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Banking Regulation Act, 1949 · Section guide

Section 28: Power to publish information

Reviewed by CA Nikhil Gupta · Last reviewed 18 September 2026

Section 28 — Power to publish information. Allows RBI to publish information obtained under the Act in consolidated or other form permitted by the section; confidentiality and public-interest limits must be read with the exact publication power.

Official statute linkedProvision-specific anatomyPractical case + evidence file
Official text: DFS consolidated Act

Statutory structure and provision map

This map is a provision-specific explanation, not a substitute for the exact statutory text.

Core statutory rule

Allows RBI to publish information obtained under the Act in consolidated or other form permitted by the section.

Condition / limitation

confidentiality and public-interest limits must be read with the exact publication power.

Source and effective-date control

Apply the wording of Section 28 that was in force on the event date; use the official Act and any applicable commencement/amending instrument linked on this page.

Professional application

Explain publication power, information categories and permitted form, including any confidentiality limits.

Evidence / working-paper checklist

  • Section 28 evidence: general-ledger / treasury reconciliation.
  • Section 28 evidence: return or financial statement submitted to RBI/Registrar.
  • Section 28 evidence: auditor sign-off or working papers where relevant.
  • Section 28 evidence: filing acknowledgement and calculation of the statutory reference date.

Retain the event date and source version with the file so the conclusion remains reproducible after later amendments.

Common mistakes to avoid

  • For Section 28, avoid using a legacy Friday/fortnight reference after the statutory date changed.
  • For Section 28, avoid submitting a return without a ledger reconciliation.
  • For Section 28, avoid assuming an extension exists without a written statutory/RBI basis.

Current-law source control

Source control: Section 28 is anchored to the official DFS consolidated text; later changes require separate Gazette verification.

Dated matters: verify any later Gazette, RBI direction or binding judgment affecting Section 28 on the event date.

Professional reading note

Professional reading note — Section 28 should be applied as a sequence, not as an isolated heading. Start with the factual trigger

for power to publish information, then test the operative proposition: Allows RBI to publish information obtained under the Act in consolidated or

other form permitted by the section. Next confirm the limiting or interaction point: confidentiality and public-interest limits must be read with the

exact publication power. The working file should be capable of showing why the section applies to the relevant bank or person, which

statutory version governs the event date, and which documentary record proves the conclusion. Useful evidence on this page includes Section 28 evidence:

general-ledger / treasury reconciliation and Section 28 evidence: return or financial statement submitted to RBI/Registrar. Read the provision in sequence with Section

26A — Depositor Education and Awareness Fund and Section 27 — Monthly returns and power to call for other returns and information.

This method keeps the legal answer tied to the provision itself while allowing RBI directions, rules and later instruments to be layered

on only where their own scope actually applies.

Disclaimer

This Finin2min page is an educational and professional reference. Banking regulation is fact-, entity- and date-sensitive. Verify the current Act, Gazette amendments and commencement notifications, applicable RBI Rules/directions and the transaction record before acting or filing.