RBI (Commercial Banks – Know Your Customer) Directions, 2025
RBI's binding KYC/AML/CFT direction for commercial banks under the PML Act and Rules, replacing the repealed 2016 KYC Master Direction.
- Issued by
- Reserve Bank of India
- Applies in
- India
- Edition
- RBI/DOR/2025-26/169 (28 Nov 2025), updated 1 Oct 2026
- Area
- Financial crime (AML/CFT/CPF)
What an assessor reads first.
The headline requirements in Amoreg’s catalogue, in the issuer’s own numbering where it has one. They are where a review starts, not a transcription of the text.
- Para 6Maintain a Board-approved KYC policyGovernance
- Para 10Carry out a periodic ML/TF risk assessmentRisk management
- Para 20Categorise customers by riskRisk management
- Para 23Perform CDD on individuals, including the CKYCR identifierCustomer due diligence
- Para 38Identify and verify beneficial ownersCustomer due diligence
- Para 42Update KYC every 2/8/10 years for high/medium/low riskCustomer due diligence
- Para 45Apply enhanced due diligence to PEPsCustomer due diligence
- Para 52Furnish CTR/STR information to FIU-INDReporting
How Amoreg keeps you on it.
Enable the RBI (Commercial Banks – Know Your Customer) Directions, 2025 and the Monitor suggests RBI as a source. Every publication it records keeps its source, stage and date.
Inspector reads your policies against these 8 requirements every week and opens a finding wherever one falls short, citing the rule and drafting the fix. A person decides what is applied.
Each week
- Read rbi.org.in/Scripts/NotificationUser.aspx
- Check the library against 8 requirements
- Open findings with drafted fixes
- Wait for a person to decide
Policy does not yet set out: maintain a Board-approved KYC policy
- Rule
- RBI (Commercial Banks – Know Your Customer) Directions, 2025, Para 6
- Area
- Governance
- Proposed by
- Inspector
- Decided by
- A named person, once reviewed
The same ground, elsewhere.
- FATF RecommendationsThe 40 Recommendations — the international standard every national AML/CFT/CPF regime is measured against.Global · 8 controls
- Wolfsberg Group StandardsIndustry standards for correspondent banking, the CBDDQ/FCCQ questionnaires and effectiveness-based AML programmes.Global · 4 controls
- GFSC Handbook on Countering Financial Crime (AML/CFT/CPF)The Bailiwick's AML/CFT/CPF rules and guidance for financial services businesses and prescribed businesses, issued under the Criminal Justice (Proceeds of Crime) regulations.Guernsey · 8 controls
- JFSC AML/CFT/CPF HandbookHandbook for the prevention and detection of money laundering, terrorist financing and proliferation financing under the Money Laundering (Jersey) Order 2008.Jersey · 8 controls
- Isle of Man AML/CFT Code 2019The Anti-Money Laundering and Countering the Financing of Terrorism Code 2019, with the FSA's AML/CFT Handbook as guidance.Isle of Man · 8 controls
- Cayman Islands Anti-Money Laundering RegulationsThe AMLRs under the Proceeds of Crime Act, read with CIMA's Guidance Notes — departure from the Guidance Notes without justification is treated as non-compliance.Cayman Islands · 8 controls
Also in India
- SEBI (Intermediaries) Regulations, 2008SEBI regulations for all registered intermediaries, covering registration, fit-and-proper criteria, general conduct, inspection and enforcement.India · 8 controls
- SEBI (Prohibition of Insider Trading) Regulations, 2015SEBI regulations preventing insider trading and controlling unpublished price sensitive information (UPSI) at listed companies, intermediaries and fiduciaries.India · 8 controls
- SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015SEBI regulations for the continuing disclosure and corporate governance obligations of listed entities, read with the LODR master circular.India · 8 controls
- SEBI (Investment Advisers) Regulations, 2013SEBI regulations for the registration, qualifications and client-facing conduct of investment advisers, read with the IA master circular.India · 8 controls
- SEBI Cybersecurity and Cyber Resilience Framework (CSCRF)SEBI framework setting cybersecurity and cyber resilience requirements for SEBI-regulated entities, graded by entity category.India · 8 controls
- RBI (Commercial Banks – Cybersecurity, Technology: Risk, Resilience and Assurance Framework) Directions, 2026RBI's binding IT governance, cybersecurity, resilience and IS-audit direction for commercial banks, replacing the 2023 IT Governance Master Direction and the 2016 Cyber Security Framework.India · 8 controls
Questions
Does Amoreg watch for changes to the RBI (Commercial Banks – Know Your Customer) Directions, 2025?
Yes. Enable it and the Monitor suggests Reserve Bank of India as a source; every publication it records keeps its source, stage and date.
Can Amoreg check our policies against the RBI (Commercial Banks – Know Your Customer) Directions, 2025?
Yes. Inspector reads your library against its requirements every week and opens a finding, with the rule it cites and a proposed fix, wherever a policy falls short. A person decides what is applied.
Which edition does Amoreg use?
The catalogue records RBI/DOR/2025-26/169 (28 Nov 2025), updated 1 Oct 2026. Editions were last verified in August 2026, and the Monitor records new publications as they appear.