KYC and Customer Due Diligence
16 paragraph/control pages · Commercial Banks KYC Directions, 2025 and NBFC KYC Directions, 2025
RBI, Banking and Payments — Para-wise Regulatory Corpus
Current regulator-owned instrument architecture with paragraph pages, practical examples, Q&A, forms/returns, Ombudsman and enforcement.
RBIBankingPayments140 paragraph pages
Part 1 scope
This package repairs Act ownership, creates current instrument inventories and adds paragraph-wise operational corpora for KYC/CDD, digital lending, PPI, payment aggregators, NBFC SBR, prudential/exposure, outsourcing/IT, returns, Ombudsman and enforcement.
Modules
Digital Lending
18 paragraph/control pages · Reserve Bank of India (Digital Lending) Directions, 2025
Prepaid Payment Instruments
14 paragraph/control pages · Master Directions on PPIs, updated 27 December 2024
Payment Aggregators
13 paragraph/control pages · Master Direction on Regulation of Payment Aggregator, 15 September 2025
NBFC Scale-Based Regulation
14 paragraph/control pages · NBFC Registration, Exemptions and Scale Based Regulation Directions, 2025
Prudential and Exposure Directions
14 paragraph/control pages · Commercial-bank and NBFC prudential Direction suite, 2025–2026
Outsourcing and IT Governance
11 paragraph/control pages · Commercial Banks Managing Risks in Outsourcing Directions, 2025
Returns and Annexures
18 paragraph/control pages · Filing of Supervisory Returns Directions, 2024
Ombudsman Framework
12 paragraph/control pages · 2026 entity-specific Internal Ombudsman Directions and RB-IOS 2021
RBI Enforcement Cases
10 paragraph/control pages · RBI enforcement and press-release repository
R3A currentness and source integrity
July 2026 currentness register
Separates operative instruments, current official listings and non-operative drafts.
39-instrument source-integrity register
Distinguishes exact instrument pages from category and portal gateways.
Current RBI instruments
Download instrument inventory · Download Act-ownership matrix
Representative enforcement cases
RBI cancels CoR of one NBFC and one ARC
Cancellation prohibits further regulated business; separate entity, customer and asset wind-down.
Four NBFCs surrender Certificates of Registration
Voluntary exit, merger or dissolution still requires formal cancellation and closure controls.
Penalty on Punjab & Sind Bank
Reporting aggregation and customer-account controls require separate root-cause closure.
Penalty on Bombay Mercantile Co-operative Bank
Statutory activity restrictions must be embedded in product and approval systems.
Penalty on Nainital Bank
Pricing and communication controls are independently enforceable.
Penalty on Ujjivan Small Finance Bank
Product sanction must screen statutory prohibitions and connected exposures.
Penalty for CIC membership non-compliance
Membership and reporting obligations are operational, not merely contractual.
Penalty for KYC and management of advances
Onboarding and credit controls can be cited together where control failures interact.
Directions to Bhavani Sahakari Bank
All-inclusive directions require transaction-level blocking and public/customer communication.
Penalty under BR Act section 20
Director-related lending controls require relationship screening and exposure blocks.
R3B exact-source closure
Exact source closure
All 39 baseline instruments now have exact RBI legal sources; 24 records closed in R3B.
Amendment and supersession
Current-as-of, staged commencement, repeal and savings boundaries.