April 2026 brings RBI’s new gold loan regulations with tiered LTV limits: 85% for loans under ₹2.5 lakh, 80% for ₹2.5–5 lakh, and 75% above. Understand how these rules impact your borrowing capacity and protect your precious ornaments.
Your bank account shouldn’t drain your pocket. Millions of Indians lose ₹5,000+ yearly to hidden charges and penalties. The RBI’s revised zero-balance account rules—effective April 2026—eliminate these fees entirely. Discover how to save thousands while maintaining complete banking access.
The RBI’s December 2025 amendments fundamentally reshape business financing by removing restrictions on cash credit accounts and raising current account thresholds to Rs 10 crore. These relaxations in current and cash credit norms enhance working capital accessibility, enabling businesses to optimize liquidity management and reduce operational financing costs significantly.
The Reserve Bank of India’s updated minimum balance framework, effective December 10, 2025, reduces penalties to ₹200 maximum and introduces flexible thresholds. Urban savings accounts require ₹500 minimum, rural accounts ₹200, while zero balance BSBD accounts eliminate requirements entirely, promoting financial inclusion across India’s banking sector.
The RBI’s December 2025 amendment extends regulatory oversight to Non-Banking Financial Companies and Housing Finance Companies within banking groups. This consolidated supervisory framework eliminates regulatory gaps, enforces harmonized prudential standards, and ensures comprehensive group-level risk management across India’s financial services sector.
The RBI cut the repo rate by 25 basis points to 5.25%, supporting economic growth while maintaining inflation control. This rate reduction lowers borrowing costs for home loans, personal loans, and businesses, encouraging consumption and investment across the economy.
Explore RBI’s October 2025 regulatory overhaul strengthening Basel III capital norms and launching the FREE-AI framework to ensure responsible AI adoption and safer banking innovation in India.
RBI’s HaRBInger 2025 global hackathon drives innovation in secure, inclusive banking with cutting-edge fintech solutions. Focused on tokenized KYC, offline CBDC, and digital trust, it empowers startups to transform India’s digital banking landscape safely and accessibly.
The Reserve Bank of India (RBI) sets clear rules for lending against gold, allowing banks and financial firms to offer short-term loans using pledged gold or silver jewellery and coins, helping borrowers access cash without selling assets while safeguarding lenders.
