VOL. 2025 GLOBAL INTELLIGENCE NETWORK RBA-GAZETTE

RBA एडवाइजर

💰 बैंकिंग और फाइनेंस SPECIAL GAZETTE

31 दिस॰ 2025 CHIEF EDITOR: Chief Admin FOR: Priority Members

Priority Member Edition

RBA Gazette

Date: December 30, 2025 New Delhi | Mumbai | Bangalore Vol. XCVII • Investigative Report

BREAKING: RBI New Guidelines Enforced • CIBIL Update Cycle Reduced to 15 Days • Penal Interest Abolished • 4 Major NBFCs Facing Stricter Norms • Home Loan Rates See Sharp Correction.

Consumer Alert

RBI Ka Naya 'Credit' Prahar: Ab 15 Din Mein Badlega Score

Loan rejection ka zamana gaya? Banks ko ab deni hogi 'safai', auto-rejection par lagi rok. Janie naye Credit Bureau rules ka pura sach.

CIBIL 2.0

Real-time Data Sync

Mumbai: Desh ke karodo borrowers ke liye RBI ne saal 2025 ka sabse bada tohfa diya hai. Ab tak jo Credit Score (CIBIL) mahine me ek baar update hota tha, wo ab har 15 din (fortnightly) update hoga. Iska seedha asar un logo par padega jinhone apna loan chuka diya hai lekin system update na hone ki wajah se naya loan nahi le pa rahe the.

Kyu hai ye 'Game Changer'? Pehle agar aapne 1st tareekh ko payment kiya, to bank agle mahine ki 30 tareekh tak bureau ko report karta tha. Ab ye cycle tez ho gaya hai. RBI ka sakht nirdesh hai:

• Rejection Reason: Bank ab "Internal Policy" keh kar loan reject nahi kar sakte. Unhe batana hoga ki rejection score ki wajah se hai ya income ki wajah se.
• 30-Day Window: Agar aapke credit report me galti hai, to bank turant reject nahi karega. Aapko 30 din ka samay milega use sudharne ke liye.
• No 'Penal Interest': Late payment par ab sirf 'Penal Charges' lagenge, us par byaj (interest) nahi lagega.

NBFCs Par 'Red Alert'

Chaaro taraf shikanja: RBI ne 4 badi NBFCs ko naye loan baantne se roka.

"Excessive Pricing" ke naam par RBI ne badi digital lending apps aur NBFCs par rok laga di hai. Agar aap kisi app se 25-30% byaj par loan le rahe hain, to savdhan ho jayie. Naye niyamon ke mutabik, microfinance borrowers ab maximum 3 lenders se hi loan le sakte hain. Over-leveraging ko rokne ke liye ye kadam uthaya gaya hai.

Interest Rate: Rahat Ki Khabar

Repo Rate me katauti ke baad Home Loan saste hue.

2025 ke ant me inflation control me aane ke baad, Home Loan rates wapas 7.15% - 7.50% ki range me aa gaye hain. SBI, HDFC aur Union Bank ne apne naye offers launch kiye hain. Agar aapka purana loan 9% se upar chal raha hai, to ye sahi waqt hai 'Balance Transfer' ke bare me sochne ka.

Market Snapshot

Repo Rate 5.25% ▼

Home Loan (Min) 7.15%

Personal Loan 10.50% ▲

*Rates indicative for Priority Members with CIBIL > 750

Chief Admin's Note

"Loan lena aasan hai, lekin chukana ek kala hai. Naye rules consumers ke haq me hain, lekin NBFCs ki sakhti batati hai ki 'Easy Money' ka daur khatam ho raha hai. Apna credit utilization 30% se neeche rakhein."

- RBA Desk

EMI Mehngi Padi?

Check karein naya 'Penal Charges' rule. Kya aapka bank aapse galat charge le raha hai?

Published By

Aura News Studio

Edition

Priority Member Exclusive • Digital Investigations Unit

Legal

For informational purposes only. Verify all rates with respective banks.

RBA

This gazette is a neural materialization for exclusive members.

Editor-in-Chief

Chief Admin

Royal Bulls Advisory Pvt. Ltd.