{"id":6999,"date":"2026-04-02T16:05:00","date_gmt":"2026-04-02T10:35:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6999"},"modified":"2026-04-02T15:47:21","modified_gmt":"2026-04-02T10:17:21","slug":"rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/","title":{"rendered":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation &#8211; Check the List"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The RBI has announced major changes in the rules that mainly apply to Basic Savings Bank Deposits (BSBD) accounts, UPI Transactions, Taxations and loan recovery, with the main focus being on BSBD accounts. These changes were mainly brought to make the processes more transparent, simple and financially inclusive. Major RBI rule changes include:<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3358115552\"><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-1-upi-atm-withdrawals\" style=\"font-size:22px\"><strong>1. UPI ATM Withdrawals <\/strong><\/h2>\n\n\n\n<p>UPI withdrawals will also be considered with debit card withdrawals for free withdrawals. You can withdraw freely 3 times in a metro city and 5 times in non-metro cities per month. After that, each withdrawal will face \u20b923 + GST as withdrawal charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-cash-limits\" style=\"font-size:22px\"><strong>2. Cash Limits<\/strong><\/h2>\n\n\n\n<p>If you deposit cash worth \u20b910,00,000 or more, it will be the Bank\u2019s responsibility to inform the Income Tax Department. Cash FD deposits above \u20b910,00,000 will also be flagged by the Bank. The new rules may also require&nbsp;PAN for making a withdrawal or deposit of more than \u20b910 Lakhs. <strong>Note:<\/strong> The amount specified is a cumulative year limit and not a single transaction limit.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2378618152\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>Digital transactions like UPI, BHIM, GPAY, and banking transactions like NEFT, RTGS, IMPS, Bank cheque, DD\/Payorder, will not be included in deposit limits. Only physical cash transactions through all joint Bank Accounts, individual savings bank accounts, minor&#8217;s bank accounts, and post office accounts will be included in the deposit limits.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4178205298\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-digital-footprint-scrutiny\" style=\"font-size:22px\"><strong>3. Digital Footprint Scrutiny<\/strong><\/h2>\n\n\n\n<p>The IT department can also check your social media, along with bank statements, for verification.&nbsp;If a mismatch is found, the IT department will issue a \u201c<strong>Source of Wealth<\/strong>\u201d notice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-digital-fraud-compensation\" style=\"font-size:22px\"><strong>4. Digital Fraud Compensation<\/strong><\/h2>\n\n\n\n<p>From 1<sup>st<\/sup> July 2026, if you face a small value digital fraud (up to \u20b950000), you can get up to 85% of it as compensation.&nbsp;Compensation is capped at 25,000, and this benefit can be claimed only once in a lifetime.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2509929215\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\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\/from-form-16-to-26as-5-major-income-tax-forms-set-to-change-from-april-1-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">From Form 16 to 26AS: 5 Major Income Tax Forms Set to Change from April 1, 2026<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-rules-regarding-loan-recovery\" style=\"font-size:22px\"><strong>5. Rules Regarding Loan Recovery<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks and NBFC (Non-Banking Financial Company) agents cannot physically or mentally harass customers.&nbsp;<\/li>\n\n\n\n<li>They cannot contact the relatives of the loanee to add pressure for loan recovery.&nbsp;<\/li>\n\n\n\n<li>Calls and visits are allowed only between 8:00 am and 7:00 pm<\/li>\n\n\n\n<li>Violations can lead to severe penalties or even suspension of the recovery license by RBI.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-nominees-nbsp\" style=\"font-size:22px\"><strong>6. Nominees&nbsp;<\/strong><\/h2>\n\n\n\n<p>You can name up to 4 nominees for your savings, FD (Fixed Deposits) or lockers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-cibil-score\" style=\"font-size:22px\"><strong>7. CIBIL Score<\/strong><\/h2>\n\n\n\n<p>Your CIBIL score will be updated every 7 days. Previously, it was every 15 days.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-foreclosure-charges-on-floating-rate-loans-nbsp\" style=\"font-size:22px\"><strong>8. Foreclosure Charges on Floating Rate loans:&nbsp;<\/strong><\/h2>\n\n\n\n<p>Banks cannot charge a foreclosure\/pre-payment penalty on individuals for closing their loans early.&nbsp;Loans that are covered in this rule change are Home Loans(floating), Individual loans(floating) and some MSME loans that are taken by individuals.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-9-bank-account-closure\" style=\"font-size:22px\"><strong>9. Bank Account Closure<\/strong><\/h2>\n\n\n\n<p>Effective from 1<sup>st<\/sup> January, 2026, RBI will close these accounts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dormant account<\/strong> (accounts that have had no activity for 2 years)<\/li>\n\n\n\n<li><strong>Inactive accounts <\/strong>(there hasn\u2019t been a customer initiated transaction for 12 months).<\/li>\n\n\n\n<li><strong>Zero balance accounts <\/strong>that don\u2019t have an updated KYC.<\/li>\n<\/ul>\n\n\n\n<p>The transaction will be penalised by the IT department. These rules apply to all accounts . You can avoid getting penalised by&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Filing ITR and declaring the entire income<\/li>\n\n\n\n<li>Regularly checking for AIS\/TIS&nbsp;<\/li>\n\n\n\n<li>Avoid depositing heavy cash&nbsp;<\/li>\n\n\n\n<li>Avoid cash deposits in joint accounts<\/li>\n<\/ul>\n\n\n\n<p>Apart from these changes, RBI has mainly focused on the BSBD changes. These changes were primarily aimed at making the processes more transparent, simpler, and useful for customers.&nbsp; These rules were implemented based on the feedback on the draft BSBD Account Direction 2025 framework. These rules will come into force from 1<sup>st<\/sup> April, 2026 or earlier if the payment bank chooses to implement them earlier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-bsbd-accounts\" style=\"font-size:22px\"><strong>What are BSBD Accounts?<\/strong><\/h2>\n\n\n\n<p>Basic Savings Bank Deposit accounts are primarily meant for poorer sections of society who want to avail banking services without facing the burden of banking charges or fees. These accounts can be opened by anyone without requiring a deposit of any money in the account, i.e., it does not require a certain minimum balance to be met.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rules-revised\" style=\"font-size:18px\"><strong>Rules Revised<\/strong><\/h3>\n\n\n\n<p>RBI has revised the existing BSBD rules to implement these new rules. RBI has issued amendments that apply to all banks, including commercial banks, payment banks, Co-operative banks, small finance banks, regional rural banks and local area banks.&nbsp;These amendments come under the broader Responsible Business Conduct framework, which is aimed at boosting BSBD accounts and improving customer service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-features-in-bsbd-accounts\" style=\"font-size:18px\"><strong>Key Features in BSBD Accounts<\/strong><\/h3>\n\n\n\n<p>Under the new guidelines, every bank must continue to offer BSBD accounts as a savings product without minimum balance requirements and a set of free facilities that include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unlimited free deposits.<\/li>\n\n\n\n<li>Free ATM cum Debit cards with zero annual charges.<\/li>\n\n\n\n<li>Chequebook with 25 free cheque leaves that are provided annually.<\/li>\n\n\n\n<li>Free passbook.<\/li>\n\n\n\n<li>Free Internet and mobile banking.<\/li>\n\n\n\n<li>Minimum of four free withdrawals per month.<\/li>\n\n\n\n<li>Banks are also supposed to give clear disclosure of the accounts to account holders.<\/li>\n<\/ul>\n\n\n\n<p>Banks cannot force customers to take or use cheque books, ATM cards or digital banking. All these facilities are optional for the customer to use. Existing BSBD account holders can also ask for these newly added free services.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>To conclude, these changes were brought in by the RBI keeping the future in mind. They want to reduce the total number of digital and taxation fraud that takes place in the country and ensure that customer protection and financial inclusion are achieved throughout all the Banks.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Sagar V M<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026. The RBI has announced major changes in the rules that mainly apply to Basic Savings Bank Deposits (BSBD) accounts, UPI Transactions, Taxations and loan recovery, with the main [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3592,"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":[2404,2403,2397,2398,2401,2400,2402,2407,2408],"ppma_author":[1013],"class_list":["post-6999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-trending","tag-new-rbi-rules-2026-credit-score","tag-rbi-new-guidelines-2026-pdf-download","tag-rbi-new-rules-2026","tag-rbi-new-rules-2026-for-banks","tag-rbi-new-rules-2026-for-loan","tag-rbi-new-rules-2026-for-savings-account","tag-rbi-new-rules-2026-minimum-balance","tag-rbi-new-rules-2026-upi-and-taxation","tag-rbi-new-upi-rules-2024"],"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>RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List<\/title>\n<meta name=\"description\" content=\"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List\" \/>\n<meta property=\"og:description\" content=\"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/\" \/>\n<meta property=\"og:site_name\" content=\"Trade Brains Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-02T10:35:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Trade Brains\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Trade Brains\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/\",\"url\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/\",\"name\":\"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List\",\"isPartOf\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg\",\"datePublished\":\"2026-04-02T10:35:00+00:00\",\"author\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd\"},\"description\":\"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.\",\"breadcrumb\":{\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage\",\"url\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg\",\"contentUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg\",\"width\":1280,\"height\":854,\"caption\":\"RBI Office\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/tradebrains.in\/money\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation &#8211; Check the List\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/tradebrains.in\/money\/#website\",\"url\":\"https:\/\/tradebrains.in\/money\/\",\"name\":\"Trade Brains Money\",\"description\":\"Get the latest news on mutual funds, real estate and many more\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/tradebrains.in\/money\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd\",\"name\":\"Trade Brains\",\"description\":\"Trade Brains Money\u2019s editorial team is a dedicated group of researchers, finance writers, and editors with over 10 years of experience, committed to delivering clear, accurate, and actionable insights across banking, credit cards, loans, real estate, personal finance, and taxation to help you make informed financial decisions.\",\"url\":\"https:\/\/tradebrains.in\/money\/author\/tb-money-editorial\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List","description":"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/","og_locale":"en_US","og_type":"article","og_title":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List","og_description":"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.","og_url":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/","og_site_name":"Trade Brains Money","article_published_time":"2026-04-02T10:35:00+00:00","og_image":[{"width":1280,"height":854,"url":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg","type":"image\/jpeg"}],"author":"Trade Brains","twitter_card":"summary_large_image","twitter_title":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List","twitter_misc":{"Written by":"Trade Brains","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/","url":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/","name":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation - Check the List","isPartOf":{"@id":"https:\/\/tradebrains.in\/money\/#website"},"primaryImageOfPage":{"@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage"},"image":{"@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage"},"thumbnailUrl":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg","datePublished":"2026-04-02T10:35:00+00:00","author":{"@id":"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd"},"description":"RBI has issued major structural changes focused on enhancing digital payment security, streamlining bank deposit regulations, and strengthening tax compliance in effect from 1st April, 2026.","breadcrumb":{"@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#primaryimage","url":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg","contentUrl":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/RBI-Rule-Changes-2026.jpg","width":1280,"height":854,"caption":"RBI Office"},{"@type":"BreadcrumbList","@id":"https:\/\/tradebrains.in\/money\/rbi-new-rules-2026-big-changes-for-bank-deposits-upi-taxation-check-the-list\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/tradebrains.in\/money\/"},{"@type":"ListItem","position":2,"name":"RBI New Rules 2026: Big Changes for Bank Deposits, UPI, Taxation &#8211; Check the List"}]},{"@type":"WebSite","@id":"https:\/\/tradebrains.in\/money\/#website","url":"https:\/\/tradebrains.in\/money\/","name":"Trade Brains Money","description":"Get the latest news on mutual funds, real estate and many more","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/tradebrains.in\/money\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd","name":"Trade Brains","description":"Trade Brains Money\u2019s editorial team is a dedicated group of researchers, finance writers, and editors with over 10 years of experience, committed to delivering clear, accurate, and actionable insights across banking, credit cards, loans, real estate, personal finance, and taxation to help you make informed financial decisions.","url":"https:\/\/tradebrains.in\/money\/author\/tb-money-editorial\/"}]}},"authors":[{"term_id":1013,"user_id":5,"is_guest":0,"slug":"tb-money-editorial","display_name":"Trade Brains","avatar_url":{"url":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/trade-brains-logo.png","url2x":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/trade-brains-logo.png"},"author_category":"1","first_name":"Trade","last_name":"Brains","user_url":"","job_title":"","description":"Trade Brains Money\u2019s editorial team is a dedicated group of researchers, finance writers, and editors with over 10 years of experience, committed to delivering clear, accurate, and actionable insights across banking, credit cards, loans, real estate, personal finance, and taxation to help you make informed financial decisions."}],"_links":{"self":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/6999","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/comments?post=6999"}],"version-history":[{"count":3,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/6999\/revisions"}],"predecessor-version":[{"id":7046,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/6999\/revisions\/7046"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/media\/3592"}],"wp:attachment":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/media?parent=6999"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/categories?post=6999"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/tags?post=6999"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/ppma_author?post=6999"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}