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RBI mandates calamity-risk checks in RRB credit assessments

RRB credit teams must factor calamity impacts into borrower assessments from July 1

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India's RBI ordered Regional Rural Banks to factor calamity-impact considerations into borrower credit risk evaluation, effective July 1, 2026.
Why it matters
RRBs must add calamity-impact factors to credit risk evaluation workflows for borrowers exposed to calamity events. The new Chapter IIA Credit Risk Evaluation requirement modifies pre-disbursal assessment under the 2025 Stressed Assets framework.
Implications
  • — RRB credit teams must update underwriting templates by July 1, 2026 — non-compliant assessments breach RBI directions.
  • — RRB credit policy teams must amend credit risk evaluation policies before the effective date.

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