Reserve Bank of India Policy Initiatives
Analysis based on 6 articles · First reported Feb 06, 2026 · Last updated Feb 06, 2026
The policy initiatives by the State Bank of India are expected to positively impact the financial markets by enhancing customer protection, promoting financial inclusion, and improving credit flow, particularly for Ministry of Micro, Small and Medium Enterprises and the real estate sector. Regulatory easing for Non-banking financial companies is also likely to foster growth and stability in that segment.
State Bank of India Governor Sanjay Malhotra announced a comprehensive set of policy measures aimed at strengthening India's financial system. Key proposals include issuing draft guidelines for customer protection against mis-selling, regulating loan recovery practices, and limiting customer liability in unauthorized electronic banking transactions. A compensation framework for small-value digital frauds, capped at Rs 25,000, is also proposed. The State Bank of India will publish a discussion paper on digital payment security and review schemes like the Lead Bank Scheme and Kisan Credit Card Scheme. Significant changes include increasing the collateral-free loan limit for Ministry of Micro, Small and Medium Enterprises to Rs 20 lakh and allowing banks to lend to Real estate investment trusts. Measures to strengthen urban cooperative banks and regulatory easing for certain Non-banking financial companies were also announced, all intended to reinforce financial stability and improve access to credit in India.
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