RBI · Commercial Banks

Reserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025

Current regulator-owned instrument page with Act ownership, implementation and source controls. Updated 2026-05-18.

Commercial BanksUpdated 2026-05-18Banking Regulation Act, 1949

Finin2min Summary — in 2 Minutes

Reserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025 is owned by Banking Regulation Act, 1949. The page prevents the earlier error of attaching the same RBI instruments indiscriminately to every Act.

Official source and legal ownership

Instrument ownerBanking Regulation Act, 1949

Source statusCURRENT OFFICIAL SOURCE GATEWAY

Review date2026-07-19

Primary sourceReserve Bank of India (Commercial Banks – Classification, Valuation and Operation of Investment Portfolio) Directions, 2025

Paragraph-wise Finin2min interpretation

Classification

Identify the regulated entity, product, transaction, customer and event date covered by this instrument.

Legal power

Use the stated enabling Act and do not copy the instrument into an unrelated Act repository.

Operationalisation

Convert each official paragraph, annexure and form into a named control with owner, evidence, exception and escalation.

Change control

Compare the official last-updated date with the local source ledger before reliance.

Practical example

A regulated entity launches or changes a product. The compliance owner first identifies the entity-class Direction, then maps the applicable paragraphs, annexures, reporting and customer-remedy requirements before approval.

Implementation and evidence controls

Freeze the applicable entity class, product, transaction date and official instrument version.
Map every control to its legal owner, enabling provision, responsible function, evidence and escalation route.
Retain Board/committee approval, policy version, system configuration, maker-checker evidence, exception approval and regulatory filing acknowledgement.
Re-test the control after an amendment, product change, outsourcing change, merger, customer-risk reclassification or supervisory observation.

Practical Q&A

Can the same Direction be filed under every RBI-related Act?

No. The instrument must remain under its enabling Act, with other statutes shown only as overlays.

Does an RBI listing date prove the local page is current?

No. Reconcile the official page, amendment history and local source-review date.

What is the publication gate?

Exact paragraph map, owner, evidence, effective date, supersession and official link.