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The Reserve Bank of India has issued final Amendment Directions regarding the conduct of Regulated Entities (REs) in loan recovery and the engagement of recovery agents. These directions follow a public consultation process initiated in May 2026. The updated framework mandates fair treatment of borrowers, establishes codes of conduct for employees and recovery agents, and sets requirements for due diligence and training. Additionally, the instructions address the conduct of REs when utilizing technology-based mechanisms for recovering dues from financed mobile devices. These directions apply to various banking and financial institutions, including commercial banks, small finance banks, regional rural banks, cooperative banks, and non-banking financial companies, and will become effective on January 1, 2027.
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August 06, 2026
RBI Issues Amendment Directions on ‘Conduct of Regulated Entities in Recovery of Loans and Engagement of Recovery Agents’
The Reserve Bank had issued the revised draft Amendment Directions on 'Conduct of Regulated Entities in Recovery of Loans and Engagement of Recovery Agents' on May 20, 2026 for seeking feedback from stakeholders. Feedback received on the above revised draft Directions has been examined and the consequent modifications have been suitably incorporated in the final Amendment Directions. A statement on the feedback received is provided in the Annex.
(i) Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (ii) Reserve Bank of India (Small Finance Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (iii) Reserve Bank of India (Local Area Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (iv) Reserve Bank of India (Regional Rural Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (v) Reserve Bank of India (Urban Co-operative Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (vi) Reserve Bank of India (Rural Co-operative Banks - Responsible Business Conduct) Fourth Amendment Directions, 2026 (vii) Reserve Bank of India (All India Financial Institutions - Responsible Business Conduct) Third Amendment Directions, 2026 (viii) Reserve Bank of India (Non-Banking Financial Companies - Responsible Business Conduct) Third Amendment Directions, 2026 (ix) Reserve Bank of India (Housing Finance Companies) Third Amendment Directions, 2026
(Brij Raj) Press Release: 2026-2027/827 Chief General Manager
ᮧेस ᮧकाशनी PRESS RELEASE
भारतीय ᳯरज़वर् बᱹक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, कᱶᮤीय कायार्लय, शहीद भगत ᳲसंह मागर्, फोटर्, मुंबई - 400 001 Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort, ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
