RBI updates deposit rules: From differential rates to daily disclosures, here's what's changing
RBI revised bulk deposit rules, effective October 1, 2026, amending the Interest Rate on Deposits Directions, 2025.
Banks can now offer differential interest rates on bulk deposits based on liquidity risk under the LCR framework, aligning with the Asset Liability Management Directions, 2025.
Banks must disclose bulk deposit interest rates on their websites every business day by 10:00 am, with a grace period until 10:10 am.
Uniform rates continue for similarly placed depositors across all branches, preventing discrimination based on location or negotiation.
The changes apply to both domestic rupee deposits and rupee deposits held by non-residents.
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