Banking law · Rules / RBI instruments
RBI Prudential Framework for Resolution of Stressed Assets
Reviewed by CA Nikhil Gupta · Last reviewed 18 September 2026
RBI Prudential Framework for Resolution of Stressed Assets: legal basis, scope, operative controls, evidence and primary source.
RBI DirectionsPrimary source linkedAct bridge mapped
Status check (20 Sep 2026)
RBI consolidated its regulatory instructions on 28 November 2025 into entity-specific Master Directions and repealed the earlier stand-alone instructions for the regulated entities covered. Confirm which entity-specific Direction now carries the stressed-asset resolution framework for your regulated entity before applying the timelines described below.
Instrument identity and legal basis
Official source: Open the primary instrument / official index
Scope and operative requirement map
Operative requirement 1
Provides the regulatory framework for recognition and time-bound resolution of stressed assets for covered lenders.
Operative requirement 2
Section 35AB supplies the specific stressed-asset direction power; section 35A remains a broader direction power.
Operative requirement 3
Resolution decisions require borrower-level default dates, inter-creditor / resolution-plan evidence and prudential provisioning consequences.
Working workflow
Confirm that RBI Prudential Framework for Resolution of Stressed Assets applies to the bank, product, transaction and review date.
Open the primary source for RBI Prudential Framework for Resolution of Stressed Assets and record its issue/modified date and any supersession note.
Map only the operative paragraphs of RBI Prudential Framework for Resolution of Stressed Assets that affect the process; assign an owner and evidence item to each.
Update policy, system, contract/customer document, board approval or return as required by RBI Prudential Framework for Resolution of Stressed Assets.
Test a live sample and retain the evidence plus regulatory filing/approval acknowledgement before closing the review.
Practical implementation example
Implementation case: map each engaged RBI Prudential Framework for Resolution of Stressed Assets requirement to policy, system, customer and filing evidence.
Professional result: implementation is closed only when the current official instrument, applicability conclusion and operational evidence agree.
Forms, returns, annexures and filing portals
- Use only forms, returns and RBI channels expressly specified for RBI Prudential Framework for Resolution of Stressed Assets.
Electronic filing: retain the current RBI portal acknowledgement where the operative instrument requires submission.
Open official instrument / prescribed filing source
Use only forms, annexures or electronic returns actually prescribed by the current official instrument. A Finin2min working aid is not an official regulatory form.
Evidence checklist
- current official copy or RBI/Gazette source for RBI Prudential Framework for Resolution of Stressed Assets.
- applicability memo tying the bank/product to RBI Prudential Framework for Resolution of Stressed Assets.
- paragraph-by-paragraph implementation matrix for the requirements actually engaged.
- board/policy/system/customer-document evidence created by the implementation.
- filing/return/approval acknowledgement where RBI Prudential Framework for Resolution of Stressed Assets requires regulatory submission.
Banking Regulation Act sections connected to this instrument
Cross-links show relevance only; each instrument retains the legal basis stated in its own official text.
Amendment / version discipline
Use the RBI Prudential Framework for Resolution of Stressed Assets version effective on the event date; record amendments or supersession.
Disclaimer
Educational reference. Verify the current official instrument and entity-specific RBI requirements before implementation.