| Key Aspect | Details |
|---|---|
| Date of Announcement | 1 October 2025 |
| Regulatory Body | Reserve Bank of India (RBI) |
| Key Measures | 1. Risk-Based Deposit Insurance Premium2. Expected Credit Loss (ECL) Provisioning Framework3. Revised Basel III Capital Norms4. New Investment and Business Guidelines |
| Risk-Based Deposit Insurance | - Risk-based premiums replace flat-rate premiums Lower premiums for banks with better credit profiles Higher premiums for weaker banksAims to strengthen depositor protection |
| Expected Credit Loss (ECL) | Effective from 1 April 2027Applies to Scheduled Commercial Banks and All India Financial InstitutionsFour-year glide path till 31 March 2031 |
| Revised Basel III Norms | Effective from 1 April 2027Reduced risk weights for MSMEs and residential real estateRevised standardized credit risk approach |
| New Investment Guidelines | - Removed restrictions on overlapping businesses with group entities Decision-making on business structuring left to bank boards |
| Monetary Policy Stance | Repo rate retained at 5.5%Neutral monetary stance maintained |
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