Rule detail : 284554

IND RBI Natural Calamity Relief Measures

Updated on: Oct 2, 2026

Latest Event

Sep. 29, 2026 Responsible Business Conduct Master Directions.
On Sep. 29, 2026, IND RBI issued the revised Reserve Bank of India (Local Area Banks - Responsible Business Conduct Directions, 2025 (updated as on Jul. 1, 2026).
IND RBI also issued revised Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025 (updated as on Jul. 1, 2026).
The two revised master directions reflect the amendments made on Apr. 29, 2026 above.
The amendments took effective from Jul. 1, 2026.

On Jan. 27, IND RBI issued draft directions on relief measures in areas affected.

IND RBI issued draft directions on relief measures for areas affected by natural calamities.
The issuance of guidelines comes as part of the Statement on Developmental and Regulatory Policies dated Jun. 8, 2023.
Proposed Amendment Directions
Commercial Banks - Relief Measures in areas affected by Natural Calamities.
Small Finance Banks - Relief Measures in areas affected by Natural Calamities.
Local Area Banks - Relief Measures in areas affected by Natural Calamities.
Urban Co-operative Banks - Relief Measures in areas affected by Natural Calamities.
Regional Rural Banks - Relief - Measures in areas affected by Natural Calamities.
Rural Co-operative Banks - Relief Measures in areas affected by Natural Calamities.
Non-Banking Financial Companies - Relief Measures in areas affected by Natural Calamities.
All India Financial Institutions - Relief Measures in areas affected by Natural Calamities.
Changes Proposed
A principle-based resolution regime, providing complete discretion to the regulated entities (REs) to design and implement resolution plans.
Eligibility expanded to include standard exposures in default up to 30 days, if affected by a natural calamity.
A dedicated window for the invocation of the resolution framework along with a separate window for implementation of resolution plan.
Exposures restructured as part of relief measures shall continue to be classified as standard with income recognition on accrual basis; additional provisioning reduced compared to other restructured exposures.
REs shall make alternate arrangements for providing banking services in the natural calamity affected areas.
Effectiveness
Consultation closes on Feb. 17, 2026; Draft directions are proposed to take effect on Apr. 1, 2026.
Apr. 2026 Implementation, Response
On Apr. 29, 2026, IND RBI published its response to submissions and revised the proposed amendments, which include postponing the effective date to Jul. 1, 2026.
The definition of natural calamity has been amended to include events recognized under the state disaster response fund/national disaster response fund.
IND RBI finalized the amendments by revising the corresponding directions, #277915.
For commercial banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For small finance banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For local area banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For urban co-operative banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For regional rural banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For rural co-operative banks, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For non-banking financial companies, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
For all India financial institutions, IND RBI issued amendment directions 2026 regarding resolution of stressed assets, income recognition, asset classification and provisioning, responsible business conduct, credit risk management.
IND RBI also repealed RBI Relief measures by banks in areas affected by natural calamities) directions 2018-regional rural banks and that of commercial banks.
The guidelines will be effective from Jul. 1, 2026.
Sep. 2026 Reporting Mechanism Introduced
On Sep. 2, 2026, IND RBI introduced a half-yearly return for reporting relief measures in natural calamity-affected areas via the Centralised Information Management System (CIMS) portal.
This aligns reporting with the Apr. 29, 2026 amendment directions referenced above.
REs must submit the return within 30 days from the end of each half-year: by Oct. 30 for the half-year ending Sep. 30, and by Apr. 30 for the half-year ending Mar. 31.
REs must ensure information submitted via the CIMS portal is accurate, complete, and duly validated, with appropriate internal systems for timely collection and consolidation.
The existing monthly return applicable to all scheduled commercial banks (including small finance banks, excluding regional rural banks) on this subject is discontinued, effective Jul. 1, 2026.
Sep. 29, 2026 Responsible Business Conduct Master Directions.
On Sep. 29, 2026, IND RBI issued the revised Reserve Bank of India (Local Area Banks - Responsible Business Conduct Directions, 2025 (updated as on Jul. 1, 2026).
IND RBI also issued revised Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025 (updated as on Jul. 1, 2026).
The two revised master directions reflect the amendments made on Apr. 29, 2026 above.
The amendments took effective from Jul. 1, 2026.

Regulators

IND RBI

Entity Types

Corp; CU

Reference

PR, 9/29/2026; RBI/DOR/2025-26/170 DOR.MCS.REC.No.89/01-01-032/2025-26, RBI/DOR/2025-26/244 DOR.MCS.REC.No.163/01-01-035/2025-26, 7/1/2026; RBI/2026-27/250, CO.FIDD.FSD.No.S544/05-10-001/2026-27, 9/2/2026; Rsp, Nt, RBI/2026-27/44, DOR.STR.REC.33/21-04-048/2026-27, RBI/2026-27/45, DOR.STR.REC.34/21-04-048/2026-27, RBI/2026-27/46, DOR.STR.REC.35/21-04-048/2026-27, PR 2026-2027/173, RBI/2026-27/47, DOR.STR.REC.36/21-04-048/2026-27, RBI/2026-27/48, DOR.STR.REC.37/21-04-048/2026-27, RBI/2026-27/49, DOR.STR.REC.38/21-04-048/2026-27, RBI/2026-27/50, DOR.STR.REC.39/21-04-048/2026-27, RBI/2026-27/51, DOR.STR.REC.40/21-04-048/2026-27, RBI/2026-27/52, DOR.STR.REC.41/21-04-048/2026-27, RBI/2026-27/53, DOR.STR.REC.42/21-04-048/2026-27, RBI/2026-27/54, DOR.STR.REC.43/21-04-048/2026-27, RBI/2026-27/55, DOR.STR.REC.44/21-04-048/2025-26, RBI/2026-27/56, DOR.STR.REC.___/21-04-048/2026-27, RBI/2026-27/57, DOR.STR.REC.46/21-04-048/2026-27, RBI/2026-27/58, DOR.STR.REC.___/21-04-048/2025-26, RBI/2026-27/59, DOR.STR.REC.48/21-04-048/2026-27, RBI/2026-27/60 DOR.STR.REC.49/21-04-048/2026-27, RBI/2026-27/61, DOR.STR.REC.50/21-04-048/2026-27, RBI/2026-27/62, DOR.STR.REC.51/21-04-048/2026-27, RBI/2026-27/63, DOR.STR.REC.52/21-04-048/2026-27, RBI/2026-27/64, DOR.STR.REC.53/21-04-048/2026-27, RBI/2026-27/65, DOR.STR.REC.54/21-04-048/2026-27, RBI/2026-27/66, DOR.STR.REC.55/21-04-048/2026-27, RBI/2026-27/68, DOR.STR.REC.57/21-04-048/2026-27, RBI/2026-27/69, DOR.STR.REC.58/21-04-048/2026-27, RBI/2026-27/70, DOR.STR.REC.59/21-04-048/2026-27, RBI/2026-27/71 DOR.STR.REC.60/21-04-048/2026-27, RBI/2026-27/72, DOR.STR.REC.61/21-04-048/2026-27, RBI/2026-27/73, DOR.STR.REC.62/21-04-048/2026-27, RBI/2026-27/74 DOR.STR.REC.63/21-04-048/2026-27, RBI/2026-27/75, DOR.STR.REC.64/21-04-048/2026-27, RBI/2026-27/76, DOR.STR.REC.65/21-04-048/2026-27, RBI/2026-27/77 DOR.STR.REC.66/21-04-048/2026-27, 4/29/2026; CP, PR 2025-2026/1996 1/27/2026; ESG;

Functions

Compliance; Environment; Financial; Legal; Operations; Reporting; Resolution

Countries

India