The Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Second Amendment Directions, 2026, issued under Section 35A of the Banking Regulation Act, 1949, amend the Reserve Bank of India (Small Finance Banks – Interest Rate on Deposits) Directions, 2025. The amendment revises the framework governing disclosure of deposit interest rates and permits differential interest rates on bulk deposits based on applicable Liquidity Coverage Ratio (LCR) run-off rates, while strengthening t

The Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Second Amendment Directions, 2026, issued under Section 35A of the Banking Regulation Act, 1949, amend the Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Directions, 2025. The amendment revises the framework governing disclosure of deposit interest rates and permits differential interest rates on bulk deposits based on applicable Liquidity Coverage Ratio (LCR) run-off rates, while strengthening transparency and consistency in deposit pricing. The Directions come into effect from 1 October 2026.