RBI Guidelines on Digital Banking Channels
On 28th November 2025, the Reserve Bank of India (RBI) released the Master Directions titled ‘Digital Banking Channels Authorisation’, marking a significant step towards standardising and regulating the growing digital banking ecosystem in India.
- The Directions will come into effect on January 1, 2026, and apply to apply to commercial banks including the State Bank of India but exclude Small Finance Banks, Payments Banks, and Local Area Banks.
The New Guidelines
- Explicit Consent: Banks must obtain clear consent from customers before activating any digital banking services.
- Non-Mandatory Adoption: Customers are not obligated to use digital banking channels to access other services like ....
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