The prudential framework for Regional Rural Banks has historically mirrored co-operative bank norms rather than commercial bank norms — lower capital requirements, simpler investment rules, and lending limits calibrated to the smaller scale of RRB operations. The November 2025 consolidation changed this by issuing entity-specific directions that draw from the commercial bank template while preserving RRB-specific provisions for microfinance, gold loans, and digital lending.
595 notifications govern lending norms, 138 cover investments and SLR, and 279 address deposits and interest rates. Here are the key provisions and the complete reference chain.
See also: Regional Rural Banks — The Complete Regulatory Timeline
For the narrative version, see Why RRBs Have Different Rules