{"id":10412,"date":"2026-06-30T13:45:00","date_gmt":"2026-06-30T08:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=10412"},"modified":"2026-06-30T13:25:45","modified_gmt":"2026-06-30T07:55:45","slug":"13-key-rbi-draft-proposals-in-2026-from-upi-rules-to-loan-recovery-reforms","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/13-key-rbi-draft-proposals-in-2026-from-upi-rules-to-loan-recovery-reforms\/","title":{"rendered":"13 Key RBI Draft Proposals in 2026: From UPI Rules to Loan Recovery Reforms"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em><strong> <\/strong>In 2026, the RBI had proposed several significant banking and payments reforms including digital payments, customer protection, banking regulation, financial markets and governance. Most are in the draft or consultation stage but once they come into effect they can have a profound impact on India&#8217;s financial system.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The Reserve Bank of India (RBI) in 2026 made several significant recommendations for reforming banking and payments to bolster customer protection, bolster digital payments, update banking regulations and improve financial stability. The majority of these measures are still in the draft or consultation phase and will signal future regulatory changes. Here are some of the major proposals that are proposed to transform the banking and financial landscape in India by RBI.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-255387340\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-major-rbi-draft-proposals-amp-consultation-papers-2026-nbsp\" style=\"font-size:22px\"><strong>Major RBI Draft Proposals &amp; Consultation Papers (2026)&nbsp;<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-one-hour-cooling-period-for-digital-payments-above-10-000\" style=\"font-size:18px\"><strong>1. One-Hour Cooling Period for Digital Payments Above \u20b910,000\u00a0<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Under Consultation, stakeholder comments closed 8th May 2026. Guidelines are forthcoming.&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement:<\/strong> April 2026&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Recommends implementation of a mandatory cooling off period of one hour for first-time digital fund transfer above \u20b910,000. This cooling off period allows customers to reverse their transaction and gives banks more time to identify and block any fraudulent transactions.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>All digital payment users (UPI, IMPS, NEFT).&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-payments-switching-service-pass-bank-account-portability\" style=\"font-size:18px\"><strong>2. Payments Switching Service (PaSS) Bank Account Portability<\/strong><\/h3>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Under the Payments Vision 2028 framework proposal stage, no draft directions yet.&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>March 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI, under Payments Vision 2028&nbsp;<\/li>\n\n\n\n<li><strong>What it does:<\/strong> Introduces an account portability scheme that would enable consumers to switch from one bank to another while retaining the same account number. The automatic transfer of standing orders, direct debits, and recurring payment orders will be facilitated by a central switching system.<\/li>\n\n\n\n<li><strong>Who it affects:<\/strong> All retail bank account holders.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-brics-cbdc-interlinking-for-cross-border-payments\" style=\"font-size:18px\"><strong>3. BRICS CBDC Interlinking for Cross-Border Payments\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Recommended to the Government of India for inclusion in the 2026 BRICS Summit agenda, awaiting multi-country consensus.<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>January 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By:<\/strong> RBI, submitted to Ministry of Finance<\/li>\n\n\n\n<li><strong>What it does:<\/strong> Proposes that CBDCs of the member states of the BRICS alliance, like India\u2019s e-rupee, should be interconnected so as to facilitate easier cross-border transactions in trade and tourism without the use of SWIFT or converting currencies into US dollars.<\/li>\n\n\n\n<li><strong>Who it affects:<\/strong> Exporters, importers, and the broader cross-border payments ecosystem.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-draft-master-direction-on-prepaid-payment-instruments-ppis\" style=\"font-size:18px\"><strong>4. Draft Master Direction on Prepaid Payment Instruments (PPIs)\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Public comment period closed May 22, 2026. Final directions awaited.<\/li>\n\n\n\n<li>Date of Announcement: April 2026<\/li>\n\n\n\n<li><strong>Proposed By:<\/strong> RBI<\/li>\n\n\n\n<li><strong>What it does:<\/strong> Suggests an overall revamping of the regulation regime applicable to Prepaid Payment Instruments. The new draft makes provision for General-Purpose PPIs and Special-Purpose PPIs; revises capital requirements, KYC guidelines, interoperability standards and transaction limits; disallows charging of customers by agents; and provides access to the RBI Integrated Ombudsman Scheme.<\/li>\n\n\n\n<li><strong>Who it affects:<\/strong> Wallet users, wallet providers, prepaid card providers, fintech platforms and their customers.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-loan-recovery-conduct-framework\" style=\"font-size:18px\"><strong>5. Loan Recovery Conduct Framework<\/strong><\/h3>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Revised draft issued May 20, 2026. Second public consultation closed May 31, 2026. Final directions expected effective October 1, 2026.<\/li>\n\n\n\n<li><strong>Date of Announcement:<\/strong> February 6, 2026 (first announced); March 6, 2026 (first draft published); May 20, 2026 (revised draft published).&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By:<\/strong> RBI<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Proposes a standard code of conduct for the recovery agents employed by banks and NBFCs. The communication in relation to recovery operations will be limited to between 8 a.m. and 7 p.m.; proper authorisation will be necessary for the agents; there will be a requirement on the lenders to sort out the complaints of the borrowers before any recovery proceedings are initiated; there will be prohibition of harassment of family members and public shaming of the borrower during festive seasons and times of mourning. This revised draft also proposes an enabling provision to impose device restrictions in case of loan defaults provided that these have been disclosed in advance in the loan agreement.<\/li>\n\n\n\n<li><strong>Who it affects:<\/strong> Loan borrowers, recovery agents, banks, and NBFCs.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/top-6-childrens-mutual-funds-delivering-up-to-23-7-cagr-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 6 Children&#8217;s Mutual Funds Delivering Up to 23.7% CAGR in 2026<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-draft-revised-master-direction-on-credit-derivatives-trs-and-cds\" style=\"font-size:18px\"><strong>6. Draft Revised Master Direction on Credit Derivatives (TRS and CDS)<\/strong><\/h3>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Draft released for public comment.&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement:<\/strong> February 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI (following Union Budget 2026-27 announcement)&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Provides for regulation of TRS and CDS on corporate bonds in India, thus laying down the groundwork for a regulated credit derivatives market in the country.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>Banks, mutual funds, institutional investors, and corporate bond issuers.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-business-correspondent-bc-categorisation-and-uniform-remuneration\" style=\"font-size:18px\"><strong>7. Business Correspondent (BC) Categorisation and Uniform Remuneration\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Draft norms released for consultation.&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>May 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Proposes three types of Business Correspondent service outlets: Bank Branches, BC Banking Outlets and BC Banking Touchpoints. This proposal is aimed at bringing uniformity in commission schemes offered by various banks along with improving the network of over 16 lakh Business Correspondents in the country for financial inclusion.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>Banking correspondents, rural and semi-urban customers.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-elimination-of-investment-fluctuation-reserve-ifr\" style=\"font-size:18px\"><strong>8. Elimination of Investment Fluctuation Reserve (IFR)\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"8\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Announced in MPC meeting draft directions forthcoming.&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>April 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI Monetary Policy Committee&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Suggests Discontinuing the mandatory Investment Fluctuation Reserve requirement of commercial banks on the basis that market risk is adequately provided for in the Basel capital framework. Similar guidance is expected for Small Finance Banks, Payments Banks, and Regional Rural Banks..&nbsp;<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>All scheduled commercial banks.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-standardised-approach-for-counterparty-credit-risk-sa-ccr\" style=\"font-size:18px\"><strong>9. Standardised Approach for Counterparty Credit Risk (SA-CCR)\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"9\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> Draft Amendment Directions released for public comment.&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>Early 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Replaces the Current Exposure Method (CEM) for measuring derivative and securities financing transaction exposures with the Basel Committee&#8217;s Standardised Approach for Counterparty Credit Risk (SA-CCR).<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>&nbsp;Banks having books of derivatives and treasury.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-10-rationalisation-of-ucb-lending-norms\" style=\"font-size:18px\"><strong>10. Rationalisation of UCB Lending Norms\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"10\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status:<\/strong> detailed draft directions expected.&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>Date of Announcement: F<\/strong>ebruary 2026&nbsp;<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI&nbsp;<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Proposals for simplified lending practices for Urban Co-operative Banks with respect to unsecured lending, lending to nominal members, housing loans tenures and moratorium period considering the changes in the industry.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>Urban Co-operative Banks and their borrowers.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-11-rationalisation-of-board-level-reporting-themes\" style=\"font-size:18px\"><strong>11. Rationalisation of Board-Level Reporting Themes\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"11\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Announced draft directions forthcoming.<\/li>\n\n\n\n<li><strong>Date of Announcement:<\/strong> April 2026<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI<\/li>\n\n\n\n<li><strong>What it does: <\/strong>Proposes a reduction in the reporting requirements at the board level to allow bank boards to focus on strategic oversight and risk management rather than compliance reporting.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>Boards of all scheduled commercial banks.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-12-harmonisation-of-control-and-assurance-function-instructions\" style=\"font-size:18px\"><strong>12. Harmonisation of Control and Assurance Function Instructions\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"12\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Public consultation open.<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>2026<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI<\/li>\n\n\n\n<li><strong>What it does: <\/strong>RBI guidelines regarding internal controls, compliance, internal audit, and assurance have been consolidated in a single harmonized framework replacing existing circulars.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>All RBI regulated entities banks, NBFCs, payment system operators.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-13-amendment-directions-on-financial-product-advertising\" style=\"font-size:18px\"><strong>13. Amendment Directions on Financial Product Advertising\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"13\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Status: <\/strong>Amendment Directions issued binding on regulated entities.<\/li>\n\n\n\n<li><strong>Date of Announcement: <\/strong>2026<\/li>\n\n\n\n<li><strong>Proposed By: <\/strong>RBI<\/li>\n\n\n\n<li><strong>What it does:<\/strong> Prohibition on the use of dark patterns and misleading techniques in financial product advertisements in digital and offline media. Additionally, the directions mandate that banks and NBFCs seek consent from customers for cross-selling third-party financial products.<\/li>\n\n\n\n<li><strong>Who it affects: <\/strong>Banks, NBFCs, digital lending platforms, and customers.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-outlook\" style=\"font-size:22px\"><strong>Future Outlook<\/strong><\/h2>\n\n\n\n<p>Finalisation of these proposals and the final shape and time frame of its implementation will depend on stakeholder feedback and RBI&#8217;s final notifications. The reforms, if implemented, are likely to enhance the protection of customers, modernise the banking and payment system in India, ensure strong regulatory oversight and drive a more secure and efficient financial system in the coming years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: In 2026, the RBI had proposed several significant banking and payments reforms including digital payments, customer protection, banking regulation, financial markets and governance. Most are in the draft or consultation stage but once they come into effect they can have a profound impact on India&#8217;s financial system. The Reserve Bank of India (RBI) in [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":6350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[6,14],"tags":[],"ppma_author":[3332],"class_list":["post-10412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>13 Key RBI Draft Proposals in 2026: From UPI Rules to Loan Recovery Reforms<\/title>\n<meta name=\"description\" content=\"In 2026, the RBI had proposed several significant banking and payments reforms including digital payments, customer protection, banking regulation, financial markets and governance. 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