New Commercial Bank Regulations: A ready reckoner guide

– Team Corplaw | corplaw@vinodkothari.com

Under the consolidation exercise, more than 9,000 circulars and directions, issued up to October 9, 2025 have now been streamlined into 238 Master Directions, drafts for which were notified on October 10, 2025, covering 11 categories of regulated entities across 30 functional areas.

From November 28, 2025, all RBI-regulated entities are now governed by a completely new set of regulations.

We have prepared a complete comparative snapshot of the familiar regulations and their new avatars for commercial banks. Further, wherever applicable, we have highlighted the changes from the notified drafts, and added comfort comments where the regulations remain unchanged from the drafts.

See our other resources:

1. RBI Master Directions 2025: Consolidated Regulatory Framework for NBFCs
2. RBI norms on intra-group exposures amended
3. 2025 RBI (Commercial Banks – Governance) Directions – Guide to Understanding and Implementation