RBI has issued 6 major announcements..!!

The bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india (RBI) governor has announced 6 major steps today (April 9, 2025). These announcements are expected to bring significant changes in the banking and financial sector. In particular, new guidelines related to the handling of bad loans, collateral lending, gold and jewelry loans, and credit enhancement are to be issued.
1. One of the major announcements made by the Reserve bank governor is the proposal to implement securitization of stressed assets. The Reserve bank has proposed to create mechanisms to convert stressed assets into securities. This will enable banks to manage their NPLs effectively and recover value from them. This move is expected to help improve the financial health of banks.

2. Co-lending is a new policy whereby banks and NBFCs jointly lend to priority sectors. The new guidelines have been extended to all regulated entities and all types of loans. This will benefit a larger number of sectors.

3. Detailed guidelines for loans against collateral against gold are being issued. As gold and jewelry loans are widely used in india, these new guidelines are expected to ensure transparency in lending and the protection of borrowers. Similarly, the RBI is expected to announce a uniform procedure across the country.

4. Detailed guidelines for partial credit enhancement by regulated entities are being issued. This move will help improve the quality of debt securities and attract more investors. This will enable companies to raise funds more easily. The bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india (RBI) has today released drafts of these four guidelines and will seek comments from the relevant authorities and regulators. After considering these comments, the final guidelines will be issued with amendments.

5. The National Payments Corporation of india (NPCI), in consultation with banks and other financial institutions, will be given the opportunity to increase the UPI transaction limit for personal financial transactions from the current Rs 1 lakh to Rs 2,00,000. The RBI has taken a major step to increase this after many parties had expressed their views that the current limit was too low.

6. The RBI has decided to convert the current regulatory sandbox system into an open-ended (on-tap) system that can be applied at any time.

This system will help innovative financial technology companies (FinTechs) to test their new products and services in a controlled, secure environment. Through this, their performance and security will be fully ensured before launching in the market.

These six new measures by the bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india are expected to lead to growth and stability in the indian financial sector. In particular, the efforts to address the problem of bad loans are welcome. Further details and draft guidelines on these announcements are expected to be published on the official website of the bank OF INDIA' target='_blank' title='reserve bank of india-Latest Updates, Photos, Videos are a click away, CLICK NOW'>reserve bank of india soon.
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Sowmiya Sriram

09/04/2025 03:01 PM