RBI revises bulk deposit rules with differential rates and daily disclosures from 2026
The Reserve Bank of India has updated its regulations governing bulk deposits, with the changes set to take effect in October 2026. Under the new framework, banks will be permitted to offer varying interest rates on bulk deposits based on liquidity risk, in line with revised Liquidity Coverage Ratio guidelines. The move is aimed at improving asset-liability management for financial institutions. Banks will also be required to publicly disclose bulk deposit rates on a daily basis, boosting transparency for customers. Importantly, depositors in similar financial positions will continue to receive uniform rates across all branches.
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