RBI Revises Priority Sector Lending Guidelines Effective April 2025
| Aspect | Details |
|---|---|
| Issuing Authority | Reserve Bank of India (RBI) |
| Policy Name | Revised Priority Sector Lending (PSL) Guidelines |
| Effective Date | April 1, 2025 |
| Objective | Enhance credit accessibility to priority sectors and promote financial inclusion. |
| Key Sectors Covered | Agriculture, MSMEs, Renewable Energy, Housing, Education, Social Infrastructure |
| Education Loans | Increased limit to ₹25 lakh per individual (including vocational courses). |
| Social Infrastructure Loans | Up to ₹8 crore per borrower for schools, drinking water facilities, etc. |
| Housing Loans | Classification based on population size: ₹50 lakh (50 lakh+), ₹45 lakh (10-50 lakh), ₹35 lakh (<10 lakh). |
| Renewable Energy Loans | Up to ₹35 crore for power generators and public utilities; ₹10 lakh for individual households. |
| PSL Targets for UCBs | Total PSL target: 60% of ANBC/CEOBSE; Micro Enterprises: 7.5% of ANBC; Weaker Sections: 12% of ANBC. |
| Weaker Sections Expansion | Includes transgenders, small & marginal farmers, distressed farmers, artisans, SHG/JLG members, SC/ST, persons with disabilities, minority communities, and individual women beneficiaries (up to ₹2 lakh). |