RESERVE BANK OF INDIA (COMMERCIAL BANKS - MISCELLANEOUS) SUPERVISORY DIRECTIONS, 2026TABLE OF CONTENTSPCA MATRIX - PARAMETERS, INDICATORS AND RISK THRESHOLDSPARAMETERINDICATORRISK THRESHOLD 1RISK THRESHOLD 2RISK THRESHOLD 3(1)(2)(3)(4)(5)MANDATORY AND DISCRETIONARY ACTIONSSPECIFICATIONSMANDATORY ACTIONSDISCRETIONARY ACTIONS

MUMBAI, India, July 31 -- Reserve Bank of India issued the following notification:

RBI/DoS/2026-27/416

DoS.CO.PPG.10/11.01.005/2026-27

July 31, 2026

Reserve Bank of India (Commercial Banks - Miscellaneous) Supervisory Directions, 2026

Table of Contents Chapter I - Preliminary A. Short Title and Commencement B. Applicability C. Definitions Chapter II - Access to IT Systems Chapter III - Monitoring of End Use of Funds Chapter IV - Prompt Corrective Action Framework Chapter V - Fair Practices Code - Charging of Interest Chapter VI - Inoperative Accounts / Unclaimed Deposits Chapter VII - Nomination Facility Chapter VIII - Fraud Prevention Measures A. Frauds due to Collusion of the bank Officials B. Large Value Frauds C. Retail Loans - San...