In continuation of the Framework for Formulation of Regulations , the Reserve Bank of India has decided to strengthen the institutional mechanism for review of regulations and has constituted a Regulatory Review Cell (RRC). 2. The mandate of the RRC is to ensure that all the regulations issued by the Bank are subject to a comprehensive and systematic internal review every 5 to 7 years. The RRC shall be set up in the Department of Regulation effect from October 1, 2025 and would undertake the review of regulations in a phased manner.

A comprehensive review of the various services offered by Reserve Bank of India under Citizens’ Charter and Regulatory Approvals was undertaken and the revised Citizen’s Charter was released on July 1, 2025. 2. An analysis of the performance under

(Amount in ₹ crore) SCHEDULED COMMERCIAL BANKS (Including RRBs,SFBs and PBs) ALL SCHEDULED BANKS 09-Aug-2024 25-Jul-2025* 08-Aug-2025* 09-Aug-2024 25-Jul-2025* 08-Aug-2025* LIABILITIES TO THE BKG.SYSTEM (A) a) Demand & Time deposits from banks 291422.53 342422.14 341955.78 295618.64 347963.84 349533.04** b) Borrowings from banks 130962.87 105206.09 100840.03 130982.37 105216.43 100849.93 c) Other demand & time liabilities 76963.73 22326.92 25575.97 77260.46 22827.68 26107.24 LIABILITIES TO OTHERS (A) a) Deposits (other than from banks) 21329643.09 23349826.99 23473888.12 21780903.56 23843714.65 23970007.08

Please refer to instructions on Counterparty Credit Risk (CCR) as contained in paragraph 5.15.3 of the Master Circular DOR.CAP.REC.2/21.06.201/2025-26 dated April 1, 2025 on ‘Basel III Capital Regulations’. Reserve Bank has released today the draft circular on Counterparty Credit Risk: Add-on factors for computation of Potential Future Exposure – Revised Instructions which modifies the aforementioned instructions.

(Amount in ₹ crore) SCHEDULED COMMERCIAL BANKS (Including RRBs,SFBs and PBs) ALL SCHEDULED BANKS 26-Jul-2024 11-Jul-2025* 25-Jul-2025* 26-Jul-2024 11-Jul-2025* 25-Jul-2025* I LIABILITIES TO THE BKG.SYSTEM (A) a) Demand & Time deposits from banks 281386.40 341401.19 342422.12 285474.81 347250.78 348027.21** b) Borrowings from banks 138751.80 95570.56 105206.09 138778.69 95575.46 105216.43 c) Other demand & time liabilities 75507.30 22524.44 22320.87 75768.14 23038.31 22838.72

The Reserve Bank has decided to grant 'in-principle’ approval to AU Small Finance Bank Limited (AUSFB) for transitioning from a Small Finance Bank (SFB) to a Universal Bank.

In pursuance of the announcement made in the Statement on Developmental and Regulatory Policies dated August 06, 2025 regarding the review of extant regulatory guidelines on settlement of claims in respect of deceased depositors, Reserve Bank has released today the draft circular in this regard.

(Amount in ₹ crore) SCHEDULED COMMERCIAL BANKS (Including RRBs, SFBs and PBs) ALL SCHEDULED BANKS 12-Jul-2024 27-Jun-2025* 11-Jul-2025* 12-Jul-2024 27-Jun-2025* 11-Jul-2025* I LIABILITIES TO THE BKG.SYSTEM (A) a) Demand & Time deposits from banks 277173.40 371106.12 341404.91 281152.83 376973.30 347254.50** b) Borrowings from banks 137361.61 100640.87 95555.56 137371.11 100646.66 95560.46 c) Other demand & time liabilities 75090.42 24746.46 22524.43 75387.79 25198.77 23038.31

The Reserve Bank has released the draft Master Direction on ‘Digital Banking Channels Authorisation’. The comments on the draft Directions are invited from public/stakeholders till August 11, 2025. Comments/feedback may be submitted through the respective link under the ‘Connect 2 Regulate’ Section available on the RBI’s website or may alternatively be forwarded to:

(Amount in ₹ crore) SCHEDULED COMMERCIAL BANKS (Including RRBs,SFBs and PBs) ALL SCHEDULED BANKS 28-Jun-2024 13-Jun-2025* 27-Jun-2025* 28-Jun-2024 13-Jun-2025* 27-Jun-2025* I LIABILITIES TO THE BKG.SYSTEM (A) a) Demand & Time deposits from banks 281969.80 340603.24 371107.14 286042.92 346319.88 376974.33** b) Borrowings from banks 150168.05 109266.80 100640.87 150174.05 109484.53 100646.66 c) Other demand & time liabilities 76593.71 23927.34 24747.31 76874.54 24362.82 25199.62