IRAC norms RBI 2026: which direction applies to whom
RBI's 2025 IRAC direction covers commercial banks, not small finance, payments or local area banks. What it says on NPAs, provisions and income.
Regulation
RBI directions decoded for the sanction desk, each with the direction name, number and link.
Directions decoded
2Directions decoded Directions decoded NBFC Responsible Business Conduct Directions for MSME Loans
What RBI's 2025 NBFC Responsible Business Conduct Directions require at sanction and disbursal on MSME and mid corporate loans: KFS, charges, prepayment.
Norms by product
5Norms by product Gold loan LTV RBI norms: caps and collateral rules for NBFCs
Gold loan LTV caps under RBI's NBFC Credit Facilities Directions, 2025: 85, 80 or 75 per cent by total consumption loan per borrower.
Norms by product HFC provisioning norms: asset classes and rates (2025)
HFC provisioning rates under RBI's 2025 Directions: 0.25% to 2% on standard assets outside Upper Layer, 15% sub-standard, 25% to 100% doubtful, 100% loss.
Norms by product NBFC-MFI Directions 2025: key norms and sanction checks
RBI's NBFC-MFI Directions, 2025: minimum 60 percent qualifying assets, 15 percent capital adequacy, 90-day NPA test, provision norms and sanction checks.
Norms by product NBFC securitisation directions: key limits and tests in tables
RBI's NBFC securitisation directions in tables: retention, the 20 per cent cap, ineligible pools, credit enhancement resets, STC tests and timelines.
Norms by product RBI MSME lending norms: what the Master Direction asks of banks
RBI MSME lending norms for scheduled commercial banks: collateral, credit decision timelines, composite loans and monitoring, as updated February 2026.
Change tracker
5Change tracker Bank compliance function directions 2026: a credit team view
RBI's 2026 compliance function directions for commercial banks: who is covered, what the text requires, and where it touches credit teams.
Change tracker NBFC Internal Ombudsman Directions 2026: What Credit Teams Need
The RBI's 2026 NBFC Internal Ombudsman Directions: who is covered, the 20-day and 30-day complaint clocks, and what it means for credit teams.
Change tracker NBFC internal audit directions 2026: a guide for credit teams
RBI's 2026 internal audit directions for deposit-taking and larger NBFCs and HFCs: scope, key rules and what credit teams should expect.
Change tracker RBI fraud risk management directions for NBFCs, 2026: decoded
The RBI fraud risk management directions for NBFCs, 2026, decoded: coverage, 21-day notice, 14-day FMR deadline, EWS duties, five-year debarment.
Change tracker RBI standardised approach credit risk 2026: underwriter guide
RBI's 2026 Directions set credit risk weights for commercial banks from April 1, 2027. What they mean for MSME, home and personal loan underwriters.