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

Reserve Bank of India (Urban Co-operative Banks - Miscellaneous) Directions, 2025

28-Nov-2025 | RBI/DoR/2025-26/294 DoR.SOG(SPE).REC.No.213/13-04-001/2025-26

RBI has issued RBI (Urban Co-operative Banks - Miscellaneous) Directions, 2025 from 28th November 2025. Key Highlights: 1. Applicability - All Urban Co-operative Banks (UCBs), meaning Primary Co-operative Banks as defined under the Banking Regulation Act. 2. Follow all RBI laws and rules - UCBs must comply with the Banking Regulation Act and all other relevant RBI guidelines while conducting business. Every UCB must provide any data, returns, documents or clarifications required by the Reserve Bank within the timelines set. 3. RBI can inspect bank records at any time - RBI has full authority to inspect documents, books, accounts, and systems of the bank whenever necessary. 4. Maintain proper records - UCBs must keep accurate, updated, and accessible books of accounts, registers and documents for all banking operations. 5. Report any serious issues - Any fraud, major operational issue, breach of rules or events that may impact customer interests must be reported to RBI promptly. 6. Fair customer treatment - Banks must act honestly, transparently and responsibly towards customers, ensuring no unfair or misleading practices. 7. Banks must comply with all future RBI instructions - RBI may issue additional instructions from time to time, and all UCBs must implement them promptly and completely. UCBs must extend full cooperation to RBI officials, including providing access, documents, information and staff support during inspections. For more information, please refer to the attached document.

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