What is the RBI reference number for this direction?

The RBI reference number is RBI/DoR/2025-26/365, issued on November 28, 2025. It was last updated as on March 10, 2026. This direction contains 13 chapters covering: Preliminary, Role of Board and Registration, Prudential Regulation – Capital, Prudential Regulation – Asset Classification and Provisioning, Prudential Regulation – Regulatory Restrictions and Limits, Prudential Regulation – Acceptance of Public Deposits, Governance – Acquisition / Transfer of Control, Corporate Governance, Auditor's Report, Fair Practices Code, Miscellaneous Instructions, Reporting Requirements, Repeal and Other Provisions.

Specialised NBFCs#27 of 35

Reserve Bank of India (Housing Finance Companies) Directions, 2025

RBI Reference

RBI/DoR/2025-26/365

Date of Issue

November 28, 2025

Last Updated

March 10, 2026

Chapters

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Overview

About This Direction

Comprehensive regulatory framework specifically for Housing Finance Companies (HFCs) registered with RBI under the NHB Act, 1987. Covers registration, capital adequacy, IRAC norms, exposure limits, public deposit acceptance, governance, fair practices code, and reporting requirements. One of the most extensive NBFC directions at 100+ pages.

Table of Contents

Chapter-wise Structure

01Preliminary

02Role of Board and Registration

03Prudential Regulation – Capital

04Prudential Regulation – Asset Classification and Provisioning

05Prudential Regulation – Regulatory Restrictions and Limits

06Prudential Regulation – Acceptance of Public Deposits

07Governance – Acquisition / Transfer of Control

08Corporate Governance

09Auditor's Report

10Fair Practices Code

11Miscellaneous Instructions

12Reporting Requirements

13Repeal and Other Provisions

Source & Attribution: This document is issued by the Reserve Bank of India under reference RBI/DoR/2025-26/365 dated November 28, 2025. It is a public regulatory document reproduced here for informational and compliance purposes. For the authoritative version, please refer to rbi.org.in.

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