Draft RBI (Digital Banking Channels Authorisation) Directions, 2025

On 21st July 2025, in a significant stride towards fortifying India’s digital banking ecosystem, the Reserve Bank of India (RBI) released the Draft Digital Banking Channels Authorisation Directions, 2025. This regulatory overhaul aims to streamline and standardize digital banking operations.

Key Highlights

Applicability

  • The provisions of these Directions shall apply to all banks authorised to operate in India (commercial banks and cooperative banks).

Types of Services Offered

The guidelines also prescribe various features of digital banking channels as follows:

  • View Only Facilities: These allow customers to check balances, download statements, and access other non-transactional services.
  • All banks with Core Banking ....
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