“Good regulation is not about more rules, but about better rules.” – Andrew Sheng
There was an obvious anticipation in the Banking sector about the October 2025 policy review by Reserve Bank of India (RBI). A slew of regulatory reforms was always on the cards, since RBI has been working on making the banks future ready through setting up external committee of experts as well as focusing on building long term resilience in the banking sector. From the phased rollout of the Expected Credit Loss (ECL) model to updated Basel III capital norms and a host of structural reforms, the RBI has laid out a forward-looking blueprint to bolster the strength, competitiveness, and global alignment of Indian banks.