Reserve Bank of India (Commercial Banks – Concentration Risk Management) Third Amendment Directions, 2026

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RBI/2026-27/110 DOR.CRE.REC.90/07.03.001/2026-27 June 10, 2026 Reserve Bank of India (Commercial Banks – Concentration Risk Management) Third Amendment Directions, 2026 Please refer to the Reserve Bank of India (Commercial Banks – Concentration Risk Management) Directions, 2025 (hereinafter referred to as ‘ Directions ’). 2. Consequent to the amendments proposed in the Reserve Bank of India (Commercial Banks – Credit Facilities) Third Amendment Directions, 2026 , and in exercise of the powers conferred by Sections 21 and 35A of the Banking Regulation Act, 1949 and all other provisions / laws enabling the Reserve Bank of India in this regard, the Reserve Bank of India, being satisfied that it is necessary and expedient in public interest so to do , hereby, issues the Directions hereinafter specified. 3. These Amendment Directions shall modify the Directions as under: 3(1) In ‘Chapter V - Exposure Norms’ of the Directions, paragraph 94 shall be deleted. 3(2) The following new paragraphs shall be inserted, namely: “94A. A bank shall fix internal limits for its aggregate exposure to real estate sector, as also sub-limits for various sub-categories of real estate exposures in accordance with its business model. Provided that the sub-limit for a bank’s aggregate exposure towards real estate investment trusts (REITs) shall be subject to a prudential ceiling of 10 per cent of the bank’s eligible capital base.” 4. These Directions shall come into force from October 1, 2026 , or an earlier date if the directions contained in the Reserve Bank of India (Commercial Banks – Credit Facilities) Third Amendment Directions, 2026 are adopted by a bank in entirety. (Vaibhav Chaturvedi) Chief General Manager