🏦 INDIAN BANKING RADAR (IBR)- BANKING & ECONOMY INTELLIGENCE DAILY

PLATINUM SERIES 2.0 | VOL. 227

WEDNESDAY, 11 NOVEMBER 2026

TARGET READERS: Bankers • Cooperative Bank Professionals • IBPS, SBI, RBI, NABARD and Other Competitive Examination Aspirants

1. TOP BANKING & ECONOMY DEVELOPMENTS

1. RBI Releases FLA Census 2025–26

The Reserve Bank released the provisional results of the annual Census on Foreign Liabilities and Assets (FLA) of Indian Direct Investment Entities on 6 November 2026.

- Around 97% of reporting entities with FDI and/or ODI were unlisted.

- The United States remained the largest source of outstanding FDI, with a 16.5% share.

- Mauritius, Singapore and the United Kingdom followed.

- Manufacturing accounted for 50.1% of outstanding FDI equity at market value.

Exam Focus: FLA Census, FDI, ODI and major investing countries.

2. RBI Constitutes Technical Consultative Committee for Financial Markets

RBI announced the constitution of the Technical Consultative Committee for Financial Markets (TCCFM) on 4 November 2026.

- Provides a structured forum for consultation with market participants.

- Covers money markets, government securities, foreign exchange markets, derivatives and related infrastructure.

- Supports the development and orderly functioning of financial markets.

3. Non-Food Bank Credit Growth Accelerates to 19.1%

RBI's September 2026 sectoral credit data reported year-on-year non-food bank credit growth of 19.1%, compared with 11.2% in the corresponding period of the previous year.

- Agriculture and allied activities: 19.5% growth.

- Industry: 19.5% growth.

Exam Focus: Sectoral deployment of bank credit and credit growth trends.

4. RBI's Expected Credit Loss Framework from April 2027

RBI issued the Commercial Banks – Asset Classification, Provisioning and Income Recognition Directions, 2026 on 27 April 2026.

Key provisions include:

- Introduction of a staging framework under the Expected Credit Loss (ECL) approach.

- Forward-looking provisioning based on expected credit losses.

- Adoption of the Effective Interest Rate (EIR) method.

- Existing NPA classification norms are retained.

Effective date: 1 April 2027.

5. RBI Enhances Customer Convenience through Account Aggregator Framework

RBI announced interoperability among NBFC-Account Aggregators and facilitation for including bank deposit information in the Consolidated Account Statement (CAS).

This initiative is intended to help customers view bank deposit and demat account information in a consolidated statement. Implementation is expected by 31 December 2026.

2. COOPERATIVE BANKING RADAR

6. Abhyudaya Co-operative Bank: Board Supersession Extended

RBI extended the supersession of the Board of Directors of Abhyudaya Co-operative Bank Ltd., Mumbai, for another year with effect from 24 November 2026.

- Shri Satya Prakash Pathak will continue as Administrator.

- The existing Committee of Advisors will continue to assist the Administrator.

- The action follows RBI's concerns regarding governance standards.

7. RBI Extends Directions on Three Urban Co-operative Banks

RBI announced extensions of regulatory directions affecting the following UCBs:

- Urban Co-operative Bank Ltd., Dehradun: Extended up to 10 February 2027.

- The Pusad Urban Co-operative Bank Ltd., Maharashtra: Extended up to 7 February 2027.

- Sri Guru Raghavendra Sahakara Bank Niyamitha, Bengaluru: Extended up to 10 May 2027.

These extensions are subject to review and should not be construed as confirmation of the banks' financial soundness.

8. RBI's Cybersecurity and Digital Payment Security Directions for UCBs

RBI issued two important regulatory frameworks for Urban Co-operative Banks on 31 July 2026:

- Cybersecurity, Technology Risk, Resilience and Assurance Framework Directions, 2026.

- Digital Payment Security Controls Directions, 2026.

The frameworks strengthen board oversight, cybersecurity governance, technology resilience, authentication, fraud risk management, customer protection and digital payment security.

9. RBI Releases Draft Priority Sector Lending Directions

On 5 November 2026, RBI released five separate draft PSL Directions for public comments covering:

- Commercial Banks

- Small Finance Banks

- Local Area Banks

- Regional Rural Banks

- Urban Co-operative Banks

Last date for comments: 26 November 2026.

The proposals aim to consolidate and rationalise existing instructions. These are draft directions and should not be treated as final regulations.

10. Cooperative Banking: Key Areas Requiring Attention

Cooperative banks should strengthen:

- Board governance and accountability.

- Internal controls, audit and regulatory compliance.

- Cybersecurity and digital payment protection.

- Recovery management and reduction of NPAs.

- KYC, AML-CFT and fraud risk monitoring.

- Responsible lending and priority sector credit.

- Technology resilience and business continuity.

3. SEBI REGULATORY RADAR

11. Currency Derivatives Framework Reviewed

SEBI issued a circular on 5 November 2026 revising provisions relating to underlying exposure requirements for currency derivative contracts.

12. FPI KYC Review Periodicity Rationalised

SEBI issued a circular on 30 October 2026 rationalising the periodicity of KYC review for Foreign Portfolio Investors.

13. Depository Receipts Framework for REITs and InvITs

SEBI issued separate frameworks on 2 November 2026 for issuance of depository receipts on units of:

- Real Estate Investment Trusts (REITs).

- Infrastructure Investment Trusts (InvITs).

14. KYC Review for Non-Resident Individual Clients

SEBI issued a review of the KYC process for individual Persons Resident Outside India (PROI) clients on 4 November 2026.

4. QUICK REVISION CAPSULE

1. FLA Census 2025–26 released by — RBI.

2. Largest source of outstanding FDI in India in the FLA Census — USA.

3. USA's share in outstanding FDI — 16.5%.

4. Manufacturing share in FDI equity at market value — 50.1%.

5. TCCFM relates to — Financial Markets.

6. Non-food bank credit growth in September 2026 — 19.1%.

7. ECL framework effective from — 1 April 2027.

8. ECL stands for — Expected Credit Loss.

9. Abhyudaya Bank Administrator — Shri Satya Prakash Pathak.

10. Last date for comments on draft PSL Directions — 26 November 2026.

11. RBI's UCB Digital Payment Security Directions issued on — 31 July 2026.

12. SEBI's REIT and InvIT depository receipt frameworks — 2 November 2026.

5. KNOWLEDGE CHECK – 5 MCQs

Q1. Which institution released the provisional FLA Census results for 2025–26:

A. SEBI

B. RBI

C. NABARD

D. Ministry of Finance

E. DPIIT

Q2. What was the year-on-year growth in non-food bank credit in September 2026:

A. 11.2%

B. 15.5%

C. 17.1%

D. 19.1%

E. 21.5%

Q3. The Expected Credit Loss framework for commercial banks becomes effective from:

A. 1 April 2027

B. 1 January 2027

C. 1 July 2027

D. 1 October 2027

E. 1 April 2028

Q4. Who will continue as Administrator of Abhyudaya Co-operative Bank following RBI's extension:

A. Venkatesh Hegde

B. Devendra Kumar

C. Suhas Gokhale

D. RBI Governor

E. Satya Prakash Pathak

Q5. What is the last date for submitting comments on RBI's draft Priority Sector Lending Directions:

A. 10 November 2026

B. 26 November 2026

C. 30 November 2026

D. 5 December 2026

E. 15 December 2026

ANSWER KEY

Q1.B

Q2.D

Q3.A

Q4.E

Q5.B

6. EDITORIAL PERSPECTIVE

Indian banking must balance regulatory compliance, asset quality and digital transformation. Cooperative banks, in particular, need stronger governance, effective recovery systems, cybersecurity and responsible lending to ensure sustainable growth.

Sound Governance + Responsible Lending + Digital Security = Sustainable Banking.

7. CONNECT WITH INDIAN BANKING RADAR

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- Follow IBR for banking awareness, cooperative banking developments and competitive examination preparation.

Learn Today. Lead Tomorrow.

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Disclaimer: This bulletin is for educational and informational purposes only. Readers should refer to official RBI, SEBI and other regulatory notifications for authoritative details.