Request a Demo

By clicking Submit, you acknowledge that you have read and agree with the Privacy Policy
Contact Info
Unit 266, 267 & 268, Tower B1, Spaze Itech Park Sohna Road Gurugram, Haryana 122018 connect@complinity.com +91 8181 900 600
Follow Us

A Multi-Concept Theme for Digital Agencies and Startups

8181 900 600 Request a Demo Login
logo dark logo light logo
  • Products
    • Compliance Management Software
    • Contract Management Software
    • Secretarial Compliance Software
    • Litigation Management Software
    • Audit Management Software
    • Internal Financial Control Software
    • Enterprise Risk Management Software
  • Pricing
  • Industries
    • Pharmaceutical
    • Hospitality
    • BFSI
    • Manufacturing
    • NBFC
    • Renewable Energy
    • Agriculture
    • ITeS
    • Real Estate
    • Automobile
  • Legal Updates
  • Blogs
  • Videos
  • Downloads
  • Careers
Contact Sales
logo dark logo light logo
  • Products
    • Compliance Management Software
    • Contract Management Software
    • Secretarial Compliance Software
    • Litigation Management Software
    • Audit Management Software
    • Internal Financial Control Software
    • Enterprise Risk Management Software
  • Pricing
  • Industries
    • Pharmaceutical
    • Hospitality
    • BFSI
    • Manufacturing
    • NBFC
    • Renewable Energy
    • Agriculture
    • ITeS
    • Real Estate
    • Automobile
  • Legal Updates
  • Blogs
  • Videos
  • Downloads
  • Careers
Contact Sales
Mobile Logo
  • Products
    • Compliance Management Software
    • Contract Management Software
    • Secretarial Compliance Software
    • Litigation Management Software
    • Audit Management Software
    • Internal Financial Control Software
    • Enterprise Risk Management Software
  • Pricing
  • Industries
    • Pharmaceutical
    • Hospitality
    • BFSI
    • Manufacturing
    • NBFC
    • Renewable Energy
    • Agriculture
    • ITeS
    • Real Estate
    • Automobile
  • Legal Updates
  • Blogs
  • Videos
  • Downloads
  • Careers
Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

Reserve Bank of India (Urban Cooperative Banks - Transfer and Distribution of Credit Risk) Directions, 2025

28-Nov-2025 | RBI/DOR/2025-26/282 DOR.STR.REC.201/21.04.048/2025-26

RBI has issued RBI (Urban Cooperative Banks - Transfer and Distribution of Credit Risk) Directions, 2025 effective 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. Board-Approved Policy Required - Every UCB must create a Board-approved policy covering due diligence, valuation, IT systems, risk management, and independence between loan origination and loan transfer teams.
3. Servicing Facility Rules - If the transferor continues servicing the loan, it must be done on arm's-length terms, without providing credit enhancement, and cash flows must be held separately in trust.
4. Clear Rules for Transferring Stressed Loans & NPAs - Stressed loans must be transferred only through assignment/novation. Valuation must follow Board-approved methods, with two external valuations for exposures of Rs. 100 crores.
5. Swiss Challenge Method for Large Exposures - For borrowers with exposure of Rs. 100 crores or more, bilateral deals must be followed by a Swiss Challenge auction to maximise price discovery.
6. Consortium / Multiple Banking Rules - Under consortium or multi-bank lending, UCBs must strengthen information sharing, obtain borrower declarations of existing credit facilities, exchange account conduct quarterly, and ensure compliance certification by professionals.


For more information, please refer to the attached document.

Upgrade to paid version to access the Notification, Circular & Rules along with the checklist

Get Legal Updates in your email

Request a Demo

Recent Posts in Corporate Laws

Corporate Laws

IBBI issues IBBI (Pre-Packaged Insolvency Resolution Process) (Second Amendment) Regulations, 2026

19-May-2026 | F. No. IBBI/2026-27/GN/REG143

IBBI has issued the IBBI (Pre-Packaged Insolvency Resolution Process) (Second Amendment) Regulations, 2026. Through this, Regulation 38 has

Read More
Corporate Laws

IBBI issues IBBI (Liquidation Process) (Third Amendment) Regulations, 2026

19-May-2026 | F. No. IBBI/2026-27/GN/REG142

IBBI has issued the IBBI (Liquidation Process) (Third Amendment) Regulations, 2026. Through this, Proviso to Regulation 35(2) has been inse

Read More
Corporate Laws

BSE- Reiteration of SEBI circular on Status of SPVs post conclusion or termination of Concession Agreement

20-May-2026 | 20260520-10

BSE has reiterated the SEBI circular on the status of SPVs post conclusion or termination of Concession Agreement. Through this circular,

Read More
Corporate Laws

BSE- Reiteration of SEBI Circular on Permitted use of fresh borrowings for InvITs where Net Borrowings exceed forty-nine per cent of the value of InvIT assets

20-May-2026 | 20260520-8

BSE has reiterated the SEBI circular on the permitted use of fresh borrowings for InvITs where Net Borrowings exceed forty-nine per cent of

Read More

Recent Posts

Industry specific-Medical

Clarification on Permissible Use and Regulation of Cosmetics

18-May-2026 | COS-1 21 1 I 2026-eoffice

This notification clarifies that cosmetics regulated under the Drugs and Cosmetics Act, 1940 and the Cosmetics Rules, 2020 are permitted onl

Read More
Corporate Laws

IBBI issues IBBI (Pre-Packaged Insolvency Resolution Process) (Second Amendment) Regulations, 2026

19-May-2026 | F. No. IBBI/2026-27/GN/REG143

IBBI has issued the IBBI (Pre-Packaged Insolvency Resolution Process) (Second Amendment) Regulations, 2026. Through this, Regulation 38 has

Read More
Corporate Laws

IBBI issues IBBI (Liquidation Process) (Third Amendment) Regulations, 2026

19-May-2026 | F. No. IBBI/2026-27/GN/REG142

IBBI has issued the IBBI (Liquidation Process) (Third Amendment) Regulations, 2026. Through this, Proviso to Regulation 35(2) has been inse

Read More
Corporate Laws

BSE- Reiteration of SEBI circular on Status of SPVs post conclusion or termination of Concession Agreement

20-May-2026 | 20260520-10

BSE has reiterated the SEBI circular on the status of SPVs post conclusion or termination of Concession Agreement. Through this circular,

Read More
Request a Demo

Request a Demo

By clicking Submit, you acknowledge that you have read and agree with the Privacy Policy

Complinity Logo Transparent

Complinity is a comprehensive cloud-based Compliance Management Software that helps track and monitor statutory and regulatory compliances.

Quick Links
  • Compliance Software
  • Regulatory Compliance Software
  • Statutory Compliance Software
  • Compliance Tracking Software
  • Legal Updates
Contact Info
Unit 266, 267 & 268, Tower B1
Spaze Itech Park, Sohna Road
Gurugram, Haryana 122018
connect@complinity.com
+91 8181 900 600

Request a Demo

© 2026 Complinity Technologies Private Limited. | Privacy Policy | Data Processing Addendum

Design & Developed By  Infinite IT Solutions

Request a Demo

By clicking Submit, you acknowledge that you have read and agree with the Privacy Policy
Powered by EssentialPlugin

Request a Demo

By clicking Submit, you acknowledge that you have read and agree with the Privacy Policy

Thank You for your interest in Complinity. Your CV has been forwarded to HR.
In case your profile is shortlisted, HR shall contact you.