RBI issued final amendment directions revising lending norms for urban co‑operative banks (UCBs) after stakeholder feedback in 2026.
The amendments raise unsecured advance limits, expand consumer durable loan caps for nominal members, and grant Tier 3/4 UCBs housing loan discretion.
New disclosure requirements for UCBs are introduced, enhancing transparency of financial statements and concentration risk management under the new framework.
The final directions supersede the draft issued on Feb 10, 2026 and are published as RBI notifications 13403‑13405.