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Bank Group Reorganization Norms - RBI
December 13 , 2025
15 hrs 0 min
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- The RBI issued final guidelines on the financial services activities of commercial banks in 2025.
- Bank groups are now allowed to continue overlapping lending operations with board approval, avoiding compulsory restructuring.
- The 20% ceiling on bank group shareholding in Asset Reconstruction Companies (ARCs) has been retained.
- Upper-layer regulatory norms for Non-Banking Financial Companies (NBFCs) within bank groups must be complied with by March 31, 2028.
- The guidelines strengthen compliance and governance by aligning risk norms across banks, NBFCs, and Housing Finance Companies (HFCs), preventing regulatory arbitrage.
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