🇮🇳 RBI ·

Reserve Bank of India issues final amendment directions on lending to REITs and InvITs

Commercial-bank, small-finance-bank and AIFI credit and capital teams must apply RBI's Final Amendment Directions before extending or increasing finance to REITs and InvITs

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On 10 June 2026 the Reserve Bank of India issued Final Amendment Directions amending lending rules for REITs and InvITs and publishing five named amendment directions across credit facilities, concentration risk management and capital adequacy for commercial banks, small finance banks and All India Financial Institutions.
Why it matters
The Directions incorporate prudential safeguards including a regulatory ceiling for REIT exposures and harmonise InvIT lending rules across commercial banks, small finance banks and All India Financial Institutions. The amendments change concentration-risk and capital-norm treatment for these exposures and interact with asset-class changes scheduled for 1 April 2027, which led RBI to defer proposed financial-statement presentation amendments.
Implications
  • — Commercial bank credit teams must document and verify compliance with the Final Amendment Directions' prudential safeguards and exposure ceiling before approving new or increased lending to REITs — failure leaves those loans outside RBI's mandated prudential framework.
  • — Small finance bank credit teams and All India Financial Institutions' credit teams must align approvals and renewals of finance to InvITs with the Directions' harmonised prudential safeguards before extending or renewing exposure — failure produces non-conforming exposures against RBI's harmonised standard.
  • — Commercial bank capital adequacy teams must apply the Eighth Amendment Directions when calculating capital charges for REIT and InvIT exposures in regulatory capital computations — incorrect application will produce regulatory capital treatment inconsistent with RBI rules.

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