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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

RBI updates Master Directions - RBI (Priority Sector Lending - Targets and Classification) Directions, 2025

19-Jan-2026 | RBI/FIDD/2024-25/128 Master Directions FIDD.CO.PSD.BC.13/04.09.001/2024-25

RBI has updated the Master Directions - RBI (Priority Sector Lending - Targets and Classification) Directions, 2025. Key Highlights: 1. Item V of Table under Para 6.1 has been updated, which states the Adjusted Net Bank Credit (ANBC) must be calculated by considering the eligible amount for exemptions on issuance of long-term bonds for infrastructure and affordable housing as per [Reserve Bank of India (Resource Raising Norms) Directions, 2025 as applicable to Commercial Banks and Small Finance Banks. 2. Para 6.2 has been updated, which states that for the calculation of Credit Equivalent of Off-Balance Sheet Exposures (CEOBSE), banks shall be guided by the [Reserve Bank of India (Commercial Banks - Concentration Risk Management) Directions, 2025] and Reserve Bank of India (Prudential Norms on Capital Adequacy) Directions, 2025. 3. Para 11(i) has been updated, which states that the Export credit includes pre-shipment and post-shipment export credit (excluding off-balance sheet items) as defined in [Reserve Bank of India (Credit Facilities) Directions, 2025, as applicable to Commercial Banks, Small Finance Banks and Urban Co-operative Banks.] 4. Para 18(i) has been updated, which states that the condition to be satisfied for Investments by banks in Securitisation Notes. 5. Para 30(i) has been updated, which states the rates of interest charged on loans shall be in accordance with the [Reserve Bank of India (Interest Rate on Advances) Directions, 2025, as applicable to Commercial Banks, Small Finance Banks, Regional Rural Banks, Local Area Banks and Urban Co-operative Banks.] Kindly refer to the attached document for more information.

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