Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Third Amendment Directions, 2026

RBI/2026-27/167
DOR.MCS.REC.No.130/01-01-032/2026-27

June 24, 2026

Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Third Amendment Directions, 2026

Instructions on ‘Limiting Liability of Customers in Unauthorised Electronic Banking Transactions’ for Commercial Banks (other than Small Finance Banks, Payments Banks, Regional Rural Banks, and Local Area Banks) (hereinafter referred to collectively as “banks” and individually as a “bank”) have been consolidated in the Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Directions, 2025. On a review, it has been decided to issue revised instructions on the subject.

2. In exercise of the powers conferred by Section 35A of the Banking Regulation Act,1949, the Reserve Bank, being satisfied that it is necessary and expedient in public interest so to do, hereby issues the Amendment Directions hereinafter specified.

3. Short Title and Commencement

(1) These Directions shall be called the Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Third Amendment Directions, 2026.

(2) These Directions shall apply in cases of electronic banking transactions undertaken by customers of a bank on or after January 1, 2027