{"id":179062,"date":"2026-04-09T11:20:50","date_gmt":"2026-04-09T05:50:50","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=179062"},"modified":"2026-04-09T23:30:10","modified_gmt":"2026-04-09T18:00:10","slug":"rbi-circulars","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/","title":{"rendered":"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Download_RBI_Circulars_Practice_Quiz\" >Download RBI Circulars Practice Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_RBI_Circulars_2026_and_why_are_they_important_for_banking_and_regulatory_exam_aspirants\" >What are RBI Circulars 2026 and why are they important for banking and regulatory exam aspirants?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#RBI_Latest_Circulars\" >RBI Latest Circulars<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Attempt_RBI_Circulars_Practice_Quiz\" >Attempt RBI Circulars Practice Quiz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_the_key_NBFC_prudential_norms_changes_in_RBI_Circular_2026\" >What are the key NBFC prudential norms changes in RBI Circular 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_is_quarterly_profit_included_in_owned_funds_under_RBI_2026_rules\" >How is quarterly profit included in owned funds under RBI 2026 rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_is_concentration_risk_management_amendment_in_NBFC_rules\" >What is concentration risk management amendment in NBFC rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_do_HFC_CIC_ARC_and_other_entities_align_with_NBFC_capital_adequacy_changes\" >How do HFC, CIC, ARC and other entities align with NBFC capital adequacy changes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_RBI_2026_dividend_declaration_norms_for_banks\" >What are RBI 2026 dividend declaration norms for banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_is_Adjusted_Profit_After_Tax_calculated_under_RBI_rules\" >How is Adjusted Profit After Tax calculated under RBI rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_eligibility_conditions_for_dividend_declaration\" >What are eligibility conditions for dividend declaration?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#How_does_CET1_ratio_determine_dividend_payout_under_RBI_2026_norms\" >How does CET1 ratio determine dividend payout under RBI 2026 norms?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_is_the_75_PAT_rule_and_DSIB_buffer_requirement\" >What is the 75% PAT rule and DSIB buffer requirement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_items_are_excluded_from_dividend_calculation_under_RBI_2026_rules\" >What items are excluded from dividend calculation under RBI 2026 rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#What_are_remittance_of_profit_rules_for_foreign_banks_in_India\" >What are remittance of profit rules for foreign banks in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The RBI Circulars issued in 2026 introduce important regulatory updates for banks, NBFCs, Housing Finance Companies (HFCs), Core Investment Companies (CICs), and other financial institutions. For RBI Grade B, CAIIB, JAIIB, and other banking exam aspirants, these updates are very important as they are often asked in exams, especially from topics like banking regulations, capital adequacy, and dividend policies.<\/p>\n\n\n\n<p>For aspirants, these circulars are not just theory but also important exam-focused topics. Questions are commonly asked from areas like capital funds, CET1 ratio, adjusted profit after tax, and dividend payout rules. A clear understanding of these updates is essential for better performance in regulatory exams. In this blog, we explain the key RBI Circulars of 2026, their impact, and how you can download them in PDF format.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-rbi-circulars-practice-quiz\"><span class=\"ez-toc-section\" id=\"Download_RBI_Circulars_Practice_Quiz\"><\/span>Download RBI Circulars Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Download the RBI Circulars Practice Quiz PDF covering 100 important questions based on the latest circulars. Practice these questions to improve your understanding of recent regulatory updates issued by the Reserve Bank of India and strengthen your preparation for upcoming banking exams.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><a href=\"https:\/\/www.oliveboard.in\/rbi-circulars-practice-quiz-pdf\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Download Free PDF<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-rbi-circulars-2026-and-why-are-they-important-for-banking-and-regulatory-exam-aspirants\"><span class=\"ez-toc-section\" id=\"What_are_RBI_Circulars_2026_and_why_are_they_important_for_banking_and_regulatory_exam_aspirants\"><\/span>What are RBI Circulars 2026 and why are they important for banking and regulatory exam aspirants?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI Circulars 2026 refer to a set of regulatory amendments and master direction updates issued by the Reserve Bank of India to regulate banks and non-banking financial institutions. These circulars include changes in capital adequacy norms, profit calculation methods, dividend distribution rules, and risk management frameworks.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They are directly linked to regulatory frameworks like Basel norms and capital adequacy ratios<\/li>\n\n\n\n<li>Questions are frequently asked in <a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-notification\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B<\/a> and other banking exams<\/li>\n\n\n\n<li>They test conceptual clarity on financial stability mechanisms<\/li>\n\n\n\n<li>They connect theory with real-time banking regulations<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt RBI Grade B Mock Test<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Key focus areas of RBI Circulars 2026<\/h3>\n\n\n\n<p>RBI Circulars 2026 aim to strengthen India\u2019s banking system through updated rules, better risk management, and improved digital banking systems. These updates focus on maintaining financial stability, ensuring compliance, protecting customers, and supporting safe use of new financial technologies in line with global banking standards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Area<\/strong><\/td><td><strong>Focus of RBI 2026 Updates<\/strong><\/td><\/tr><tr><td>Capital Adequacy<\/td><td>Inclusion of quarterly profit in owned funds<\/td><\/tr><tr><td>Risk Management<\/td><td>External auditor certification for capital additions<\/td><\/tr><tr><td>Dividend Policy<\/td><td>CET1-based dividend payout limits<\/td><\/tr><tr><td>Profit Calculation<\/td><td>Adjusted Profit After Tax (APAT) introduction<\/td><\/tr><tr><td>Financial Reporting<\/td><td>Strict reporting timelines and exclusions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><strong><a href=\"https:\/\/youtube.com\/playlist?list=PLmKwZ83G-3jWQCntDMzCURS12BkggTdk5&amp;si=MpzqtGDRpB6cJOI-\" target=\"_blank\" rel=\"noreferrer noopener\">Know more about RBI Circulars 2025<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Latest_Circulars\"><\/span>RBI Latest Circulars<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Below is the list of RBI Latest Circulars that has been released in 2026 till now, check it out.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>RBI Circulars Release Date<\/strong><\/td><td><strong>RBI Latest Circulars<\/strong><\/td><td><strong>RBI Circulars PDFs<\/strong><\/td><\/tr><tr><td>March 10, 2026<\/td><td><br>Reserve Bank of India (Local Area Banks \u2013 Prudential Norms on Declaration of Dividends)<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-Circulars-PDF.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 23,2025<\/td><td>Implementation of Section 51A of UAPA,1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-Circular-PDF.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 14, 2025<\/td><td><br>Reserve Bank of India (Trade Relief Measures) Directions, 2025<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-(Trade%20Relief%20Measures)-Directions-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>October 9, 2025<\/td><td><br>Implementation of Section 51A of UAPA,1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Implementation-of-Section-51A-of-UAPA-1967.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>August 25, 2025<\/td><td>Implementation of Section 51A of UAPA, 1967<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Section-51A-of-UAPA-1967.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 24, 2025<\/td><td>Foreign Exchange Management Regulations, 2025<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Foreign-Exchange-Management-Regulations.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 6, 2025<\/td><td>Standing Liquidity Facility for Primary Dealers<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Standing-Liquidity-Facility-for-Primary-Dealers.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>June 1, 2025<\/td><td>Withdrawal of \u20b92000 Denomination Banknotes<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/withdrawal-of-2000-rupees-notes.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>May 23, 2025<\/td><td>Issuance of Partly Paid Units by Investment<br>Vehicles<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Issuance-of-Partly-Paid-Units-by-Investment.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>April 01, 2025<\/td><td>Exposure Norms and Statutory \/ Other Restrictions<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Exposure-Norms-and-Statutory.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>April 01, 2025<\/td><td>Facility for Exchange of Notes and Coins<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Facility-for-Exchange-of-Notes-and-Coins.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>March 17, 2025<\/td><td>Asian Clearing Union (ACU) Mechanism<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Asian-Clearing-Union-Mechanism.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>February 07, 2025<\/td><td>Standing Liquidity Facility for Primary Dealers<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Standing-Liquidity-Facility-for-Primary-dealers7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><tr><td>January 20, 2025<\/td><td>Guidelines on Settlement of Dues of borrowers by ARCs<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/Settlement-of-Dues.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Now<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/free-quizzes-for-regulatory-exams\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free Quiz for Regulatory Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-rbi-circulars-practice-quiz\"><span class=\"ez-toc-section\" id=\"Attempt_RBI_Circulars_Practice_Quiz\"><\/span>Attempt RBI Circulars Practice Quiz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Attempt the RBI Circulars Practice Quiz to test your understanding of key regulatory updates, banking norms, and RBI guidelines essential for competitive exams.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> RBI Circulars Practice Quiz<\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. Under the RBI 2026 circular, what is the formula for Adjusted Profit After Tax (APAT) used in dividend eligibility calculation for banks?<\/p>\n  <button data-correct=\"false\">PAT minus 25% of Gross NPA<\/button>\n  <button data-correct=\"false\">PAT minus 100% of Net NPA<\/button>\n  <button data-correct=\"true\">PAT minus 50% of Net NPA<\/button>\n  <button data-correct=\"false\">PAT minus 50% of Gross NPA<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. A bank has a CET1 ratio of 13.5%. According to the RBI 2026 dividend payout slabs, what is the maximum percentage of APAT it can distribute as dividend?<\/p>\n  <button data-correct=\"false\">30% of APAT<\/button>\n  <button data-correct=\"true\">40% of APAT<\/button>\n  <button data-correct=\"false\">50% of APAT<\/button>\n  <button data-correct=\"false\">60% of APAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Which of the following items is explicitly EXCLUDED from profit calculation for dividend declaration purposes under RBI 2026 circulars?<\/p>\n  <button data-correct=\"true\">Gains from sale of Level 3 financial instruments<\/button>\n  <button data-correct=\"false\">Interest income from advances<\/button>\n  <button data-correct=\"false\">Fee-based income from trade finance<\/button>\n  <button data-correct=\"false\">Dividend income from subsidiaries<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Under RBI 2026 NBFC prudential norms, which of the following is a condition for inclusion of quarterly profit in &#8216;owned funds&#8217;?<\/p>\n  <button data-correct=\"false\">Board resolution certified by the MD &#038; CEO<\/button>\n  <button data-correct=\"false\">RBI&#8217;s prior written approval is mandatory<\/button>\n  <button data-correct=\"false\">Only annual profits reviewed by an internal auditor can be included<\/button>\n  <button data-correct=\"true\">The quarterly financials must be reviewed or audited by the statutory auditor<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. An NBFC reports quarterly profit of \u20b9500 crore. The average dividend paid over the last 3 years is \u20b9200 crore annually. What is the adjusted quarterly profit eligible for inclusion in owned funds under RBI 2026 norms?<\/p>\n  <button data-correct=\"false\">\u20b9400 crore<\/button>\n  <button data-correct=\"false\">\u20b9450 crore<\/button>\n  <button data-correct=\"true\">\u20b9500 crore<\/button>\n  <button data-correct=\"false\">\u20b9300 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. What is the maximum dividend payout limit set by RBI 2026 norms as a percentage of Profit After Tax (PAT), irrespective of the CET1 ratio?<\/p>\n  <button data-correct=\"false\">100% of PAT<\/button>\n  <button data-correct=\"true\">75% of PAT<\/button>\n  <button data-correct=\"false\">50% of PAT<\/button>\n  <button data-correct=\"false\">60% of PAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. A Right of Use (ROU) asset arising from lease accounting under RBI 2026 circular norms \u2014 how is it treated in the calculation of &#8216;owned funds&#8217; for NBFCs?<\/p>\n  <button data-correct=\"false\">Fully deducted from owned funds as an intangible asset<\/button>\n  <button data-correct=\"false\">50% deducted from owned funds<\/button>\n  <button data-correct=\"true\">It is NOT deducted from owned funds<\/button>\n  <button data-correct=\"false\">Deducted only if the lease term exceeds 5 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Under RBI 2026 concentration risk norms for NBFCs, what document must an NBFC obtain before using newly added capital for computing exposure limits?<\/p>\n  <button data-correct=\"true\">Certificate from an external (statutory) auditor<\/button>\n  <button data-correct=\"false\">Board resolution certified by the MD &#038; CEO<\/button>\n  <button data-correct=\"false\">Certificate from the internal audit department<\/button>\n  <button data-correct=\"false\">NOC from the Department of Financial Services<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. Which of the following financial institutions are covered under the uniformly applied quarterly profit inclusion norms introduced in the RBI 2026 circulars?<\/p>\n  <button data-correct=\"false\">Only scheduled commercial banks and NBFCs<\/button>\n  <button data-correct=\"false\">HFCs, CICs, ARCs, Mortgage Guarantee Companies, and Standalone Primary Dealers<\/button>\n  <button data-correct=\"false\">Only Housing Finance Companies and Core Investment Companies<\/button>\n  <button data-correct=\"true\">Only Asset Reconstruction Companies and NBFCs-D<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. A bank has PAT of \u20b910,000 crore and Net NPA of \u20b9200 crore. Calculate the APAT and the maximum dividend permissible if CET1 is 15.5%.<\/p>\n  <button data-correct=\"true\">APAT = \u20b99,900 crore; Max Dividend = \u20b94,950 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,800 crore; Max Dividend = \u20b94,900 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,900 crore; Max Dividend = \u20b95,940 crore<\/button>\n  <button data-correct=\"false\">APAT = \u20b99,900 crore; Max Dividend = \u20b97,425 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Under RBI 2026 norms, what is the treatment of &#8216;excess provision reversal&#8217; in the computation of APAT for dividend declaration?<\/p>\n  <button data-correct=\"true\">It is excluded and requires regulatory approval before inclusion<\/button>\n  <button data-correct=\"false\">It is fully included in PAT for dividend purposes<\/button>\n  <button data-correct=\"false\">It is included only if certified by external auditor<\/button>\n  <button data-correct=\"false\">It is treated as extraordinary income and included at 50%<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. Bank ABC has a CET1 ratio of 7.5%. What is its dividend payout capacity under the RBI 2026 CET1-based dividend slabs?<\/p>\n  <button data-correct=\"false\">10% of APAT<\/button>\n  <button data-correct=\"false\">20% of APAT<\/button>\n  <button data-correct=\"true\">0% \u2014 no dividend allowed<\/button>\n  <button data-correct=\"false\">15% of APAT<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Which of the following best describes the purpose of introducing the &#8216;Adjusted Profit After Tax (APAT)&#8217; concept in RBI 2026 dividend norms?<\/p>\n  <button data-correct=\"false\">To increase the dividend capacity of well-performing banks<\/button>\n  <button data-correct=\"true\">To restrict dividend distribution when asset quality is weak and NPAs are high<\/button>\n  <button data-correct=\"false\">To replace PAT as the sole indicator of bank profitability<\/button>\n  <button data-correct=\"false\">To include unrealised gains from treasury operations in dividend base<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. Under RBI 2026, which category of income is NOT to be included in profit calculation for dividend purposes?<\/p>\n  <button data-correct=\"false\">Interest income from government securities<\/button>\n  <button data-correct=\"false\">Commission income from LC\/BG operations<\/button>\n  <button data-correct=\"false\">Recovery from written-off accounts<\/button>\n  <button data-correct=\"true\">Unrealised gains from financial instruments<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. A Domestic Systemically Important Bank (DSIB) must maintain which of the following additional capital requirements beyond normal CET1 norms under RBI 2026 regulations?<\/p>\n  <button data-correct=\"false\">Only the Capital Conservation Buffer of 2.5%<\/button>\n  <button data-correct=\"false\">A flat minimum CET1 of 12% with no additional buffers<\/button>\n  <button data-correct=\"false\">A Countercyclical Capital Buffer of 1% only<\/button>\n  <button data-correct=\"true\">Base CET1 of 8% plus Capital Conservation Buffer of 2.5% plus an additional DSIB-specific buffer<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. Under the RBI 2026 NBFC amendment, how should current year losses be treated before adding quarterly profit to owned funds?<\/p>\n  <button data-correct=\"false\">Losses can be carried forward and adjusted over 5 years<\/button>\n  <button data-correct=\"false\">Losses must be fully deducted from owned funds immediately before profit addition<\/button>\n  <button data-correct=\"true\">Losses are adjusted only at year-end during annual audit<\/button>\n  <button data-correct=\"false\">Losses below 10% of owned funds can be ignored<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. What was the key change in the treatment of &#8216;free reserves&#8217; under the RBI 2026 NBFC capital adequacy amendment compared to the old rule?<\/p>\n  <button data-correct=\"false\">Free reserves were completely removed from owned funds<\/button>\n  <button data-correct=\"true\">Free reserves inclusion was expanded with specific conditions attached<\/button>\n  <button data-correct=\"false\">Free reserves are now treated as Tier 2 capital only<\/button>\n  <button data-correct=\"false\">Free reserves are now subject to a 50% haircut before inclusion<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. A foreign bank branch in India wishes to remit profits to its head office. Under RBI 2026 rules, which of the following conditions must be met?<\/p>\n  <button data-correct=\"true\">Accounts must be audited, profit earned from normal banking operations, and regulatory eligibility norms met<\/button>\n  <button data-correct=\"false\">RBI&#8217;s prior approval is always mandatory for any remittance<\/button>\n  <button data-correct=\"false\">Only profits up to \u20b9500 crore can be remitted without RBI approval<\/button>\n  <button data-correct=\"false\">Foreign banks must first convert profits into USD before remittance<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. What happens if a foreign bank branch remits excess profit to its head office under RBI 2026 norms?<\/p>\n  <button data-correct=\"false\">The excess is adjusted in the next year&#8217;s remittance<\/button>\n  <button data-correct=\"false\">The bank is penalised with a fine equal to the excess remitted<\/button>\n  <button data-correct=\"false\">The excess is treated as a capital contribution from the head office<\/button>\n  <button data-correct=\"true\">The excess amount must be returned immediately<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. Under RBI 2026 dividend norms, which of the following regulatory conditions must a bank satisfy before declaring any dividend?<\/p>\n  <button data-correct=\"false\">Positive PAT, CET1 above 8%, no adverse auditor opinion, no RBI restrictions<\/button>\n  <button data-correct=\"false\">Board approval and Finance Ministry clearance<\/button>\n  <button data-correct=\"true\">Positive APAT, minimum CAR compliance, no adverse auditor opinion, no RBI restrictions, and future capital plan unaffected<\/button>\n  <button data-correct=\"false\">Only positive PAT and compliance with CRR\/SLR requirements<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>21. Case Study: XYZ Bank has the following financials for FY 2025-26: PAT = \u20b98,000 crore; Net NPA = \u20b9400 crore; CET1 ratio = 16.5%. The Board wants to declare maximum dividend. What is the maximum permissible dividend amount?  Given information: (i) PAT = \u20b98,000 crore (ii) Net NPA = \u20b9400 crore (iii) CET1 ratio = 16.5% (iv) CET1 slab 16%\u201317% allows 60% of APAT (v) 75% PAT cap applies<\/p>\n  <button data-correct=\"true\">\u20b94,680 crore<\/button>\n  <button data-correct=\"false\">\u20b94,800 crore<\/button>\n  <button data-correct=\"false\">\u20b96,000 crore<\/button>\n  <button data-correct=\"false\">\u20b95,040 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>22. Under RBI 2026, which of the following correctly explains why a bank&#8217;s Board must review NPA divergence before declaring dividend?<\/p>\n  <button data-correct=\"false\">CRR calculation and monetary policy transmission<\/button>\n  <button data-correct=\"true\">Understated NPAs may overstate APAT and dividend capacity<\/button>\n  <button data-correct=\"false\">SEBI listing regulations compliance<\/button>\n  <button data-correct=\"false\">Only relevant for DSIB banks<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>23. Which of the following is the primary objective of the RBI 2026 concentration risk management amendment requiring an external auditor certificate for capital additions in NBFCs?<\/p>\n  <button data-correct=\"false\">Allow immediate lending expansion<\/button>\n  <button data-correct=\"false\">Replace internal risk management departments<\/button>\n  <button data-correct=\"true\">Prevent misuse of newly added capital for exposure expansion without verification<\/button>\n  <button data-correct=\"false\">Bypass RBI supervision for small capital additions<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>24. Under RBI 2026 norms, which authority must receive the external auditor certificate related to concentration risk capital additions in NBFCs?<\/p>\n  <button data-correct=\"false\">Ministry of Finance, Government of India<\/button>\n  <button data-correct=\"false\">SEBI<\/button>\n  <button data-correct=\"false\">NABARD<\/button>\n  <button data-correct=\"true\">RBI&#8217;s Department of Supervision<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>25. Under RBI 2026 dividend norms, unrealised gains from which category of financial instruments are explicitly excluded from dividend calculation?<\/p>\n  <button data-correct=\"true\">Level 3 instruments (unobservable, model-based valuation)<\/button>\n  <button data-correct=\"false\">Level 1 instruments (exchange-traded, market-priced)<\/button>\n  <button data-correct=\"false\">Level 2 instruments (observable market inputs)<\/button>\n  <button data-correct=\"false\">All categories of financial instruments<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div 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These changes mainly focus on redefining \u201cowned funds\u201d and improving capital transparency.<\/p>\n\n\n\n<p>The key highlight is the inclusion of quarterly profits in owned funds, subject to specific conditions. This helps NBFCs reflect a more accurate capital position while ensuring financial discipline.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Component<\/td><td>Old Rule<\/td><td>RBI 2026 Update<\/td><\/tr><tr><td>Owned Funds<\/td><td>Annual profit considered<\/td><td>Quarterly profit included<\/td><\/tr><tr><td>Free Reserves<\/td><td>Limited inclusion<\/td><td>Expanded inclusion with conditions<\/td><\/tr><tr><td>Loss Adjustment<\/td><td>Deducted annually<\/td><td>Deducted immediately from owned funds<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Not structured<\/td><td>3-year average dividend rule introduced<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_quarterly_profit_included_in_owned_funds_under_RBI_2026_rules\"><\/span>How is quarterly profit included in owned funds under RBI 2026 rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most important changes in the RBI 2026 circular is the inclusion of quarterly profits in owned funds. This applies to NBFCs, HFCs, CICs, and similar regulated entities. However, this inclusion is not automatic. RBI has introduced strict conditions to ensure accuracy and financial discipline.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Condition<\/strong><\/td><td><strong>Explanation<\/strong><\/td><\/tr><tr><td>Statutory Audit \/ Limited Review<\/td><td>Quarterly financials must be reviewed or audited by statutory auditor<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Average dividend of last 3 years must be adjusted<\/td><\/tr><tr><td>Quarterly Proportion<\/td><td>Dividend adjusted on quarterly basis (0.25 factor applied)<\/td><\/tr><tr><td>Loss Deduction<\/td><td>Current year losses must be fully deducted first<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Formula concept (simplified)<\/h3>\n\n\n\n<p>Adjusted Quarterly Profit = Quarterly Profit<br>\u2212 (0.25 \u00d7 Average Dividend of Last 3 Years)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Important explanation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The factor 0.25 is used because profit is quarterly (1\/4 of a year)<\/li>\n\n\n\n<li>Dividend history ensures realistic profit reporting<\/li>\n\n\n\n<li>Audit requirement ensures authenticity of numbers<\/li>\n\n\n\n<li>Losses are deducted first to avoid overstatement<\/li>\n<\/ul>\n\n\n\n<p>This rule ensures that institutions do not artificially inflate their capital position using unverified profits.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-fm-practice-quiz\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B FM Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_concentration_risk_management_amendment_in_NBFC_rules\"><\/span>What is concentration risk management amendment in NBFC rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI 2026 circular also introduces changes in concentration risk management for NBFCs. This update ensures that capital expansion is properly verified before being used for exposure calculations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>External Audit Requirement<\/td><td>NBFCs must obtain an external auditor certificate for any capital additions before using it for regulatory purposes<\/td><\/tr><tr><td>Use of New Capital<\/td><td>Newly added capital cannot be immediately used for increasing exposure limits without verification<\/td><\/tr><tr><td>Submission Requirement<\/td><td>The auditor certificate must be submitted to the Reserve Bank of India\u2019s Department of Supervision<\/td><\/tr><tr><td>Objective<\/td><td>To prevent misuse of capital, ensure accurate exposure limits, and strengthen risk monitoring<\/td><\/tr><tr><td>Impact on Capital Increase<\/td><td>Capital additions require independent verification before regulatory recognition<\/td><\/tr><tr><td>Impact on Exposure Limits<\/td><td>Delayed usage of new capital for calculating or expanding exposure limits<\/td><\/tr><tr><td>Impact on Risk Control<\/td><td>Strengthens supervisory oversight and improves concentration risk management framework<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_HFC_CIC_ARC_and_other_entities_align_with_NBFC_capital_adequacy_changes\"><\/span>How do HFC, CIC, ARC and other entities align with NBFC capital adequacy changes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI has ensured uniformity across different financial institutions such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Housing Finance Companies (HFCs)<\/li>\n\n\n\n<li>Core Investment Companies (CICs)<\/li>\n\n\n\n<li>Asset Reconstruction Companies (ARC)<\/li>\n\n\n\n<li>Mortgage Guarantee Companies<\/li>\n\n\n\n<li>Standalone Primary Dealers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Common changes across all institutions<\/h3>\n\n\n\n<p>These changes apply uniformly across regulated entities to ensure consistency in capital computation, profit recognition, and financial reporting standards.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rule<\/strong><\/td><td><strong>Application<\/strong><\/td><\/tr><tr><td>Quarterly Profit Inclusion<\/td><td>Allowed with same conditions as NBFC<\/td><\/tr><tr><td>Loss Deduction<\/td><td>Mandatory before adding profit<\/td><\/tr><tr><td>Dividend Adjustment<\/td><td>Required using 3-year average<\/td><\/tr><tr><td>Statutory Audit<\/td><td>Mandatory for validation<\/td><\/tr><tr><td>Right of Use Asset<\/td><td>Not deducted from owned funds<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-esi-practice-quiz\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B ESI Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Special highlight: Right of Use (ROU) asset<\/h3>\n\n\n\n<p>The Right of Use (ROU) asset treatment has been specifically clarified under the 2026 circular to ensure uniform accounting interpretation across institutions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ROU asset arises from lease accounting framework<\/li>\n\n\n\n<li>It is not deducted from owned funds while calculating capital<\/li>\n\n\n\n<li>Although intangible in nature, it is linked to underlying leased tangible assets<\/li>\n\n\n\n<li>This clarification removes ambiguity in capital adequacy computations in 2026 regulatory norms<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"o5ALhClG_84\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_RBI_2026_dividend_declaration_norms_for_banks\"><\/span>What are RBI 2026 dividend declaration norms for banks?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most important sections of RBI Circular 2026 is related to dividend declaration norms for banks. These rules ensure that banks do not distribute excessive profits and maintain strong capital buffers.<\/p>\n\n\n\n<p>Banks must calculate dividend eligibility based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Profit After Tax (PAT)<\/li>\n\n\n\n<li>Adjusted Profit After Tax (APAT)<\/li>\n\n\n\n<li>CET1 capital ratio<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Key concept: Adjusted Profit After Tax (APAT)<\/h3>\n\n\n\n<p>Adjusted PAT = Profit After Tax \u2212 (50% of Net NPA)<\/p>\n\n\n\n<p>This ensures that dividend distribution is restricted when asset quality is weak.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-2024-air-1-handwritten-notes\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Download RBI Grade B 2024 AIR 1 Handwritten Notes<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_Adjusted_Profit_After_Tax_calculated_under_RBI_rules\"><\/span>How is Adjusted Profit After Tax calculated under RBI rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Adjusted PAT is a critical concept introduced for dividend control.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Step<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td>Step 1<\/td><td>Calculate Profit After Tax (PAT)<\/td><\/tr><tr><td>Step 2<\/td><td>Identify Net NPA<\/td><\/tr><tr><td>Step 3<\/td><td>Take 50% of Net NPA<\/td><\/tr><tr><td>Step 4<\/td><td>Deduct from PAT<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAT = \u20b910,000 crore<\/li>\n\n\n\n<li>Net NPA = \u20b9200 crore<\/li>\n\n\n\n<li>50% of NPA = \u20b9100 crore<\/li>\n<\/ul>\n\n\n\n<p>Adjusted PAT = 10,000 \u2212 100 = \u20b99,900 crore<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Purpose of APAT<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prevent dividend distribution during weak asset quality<\/li>\n\n\n\n<li>Ensure prudential financial management<\/li>\n\n\n\n<li>Protect depositor and system stability<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_eligibility_conditions_for_dividend_declaration\"><\/span>What are eligibility conditions for dividend declaration?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks must satisfy strict eligibility conditions before declaring dividends.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Condition<\/strong><\/td><td><strong>Requirement<\/strong><\/td><\/tr><tr><td>Capital Adequacy<\/td><td>Must meet minimum CAR norms<\/td><\/tr><tr><td>Adjusted Profit<\/td><td>Must be positive APAT<\/td><\/tr><tr><td>Regulatory Compliance<\/td><td>No restrictions from RBI<\/td><\/tr><tr><td>Auditor Opinion<\/td><td>No adverse or highly qualified report<\/td><\/tr><tr><td>Future Capital Plan<\/td><td>Should not affect expansion plans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-previous-year-papers\/?ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\">Also Attempt RBI Grade b Previous year papers<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_CET1_ratio_determine_dividend_payout_under_RBI_2026_norms\"><\/span>How does CET1 ratio determine dividend payout under RBI 2026 norms?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>CET1 (Common Equity Tier 1) capital plays a major role in determining dividend payout capacity.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>CET1 Ratio<\/strong><\/td><td><strong>Dividend Allowed<\/strong><\/td><\/tr><tr><td>Up to 8%<\/td><td>0%<\/td><\/tr><tr><td>8% \u2013 10%<\/td><td>20% of APAT<\/td><\/tr><tr><td>10% \u2013 12%<\/td><td>30% of APAT<\/td><\/tr><tr><td>12% \u2013 14%<\/td><td>40% of APAT<\/td><\/tr><tr><td>14% \u2013 16%<\/td><td>50% of APAT<\/td><\/tr><tr><td>16% \u2013 17%<\/td><td>60% of APAT<\/td><\/tr><tr><td>17% \u2013 18%<\/td><td>70% of APAT<\/td><\/tr><tr><td>Above 20%<\/td><td>100% of APAT<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Interpretation<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher CET1 = higher dividend capacity<\/li>\n\n\n\n<li>Lower CET1 = restricted payout<\/li>\n\n\n\n<li>Ensures capital safety first approach<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_75_PAT_rule_and_DSIB_buffer_requirement\"><\/span>What is the 75% PAT rule and DSIB buffer requirement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apart from CET1-based limits, RBI has also introduced an overall cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">75% PAT rule<\/h3>\n\n\n\n<p>The 75% PAT rule limits dividend distribution by banks to ensure adequate capital retention and financial stability under regulatory norms.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dividend cap: Total dividend cannot exceed 75% of Profit After Tax (PAT) ensuring controlled payout policy<\/li>\n\n\n\n<li>Mandatory limit: Even if Capital to Risk-weighted Assets Ratio (CET1\/CRAR) permits higher payout, this 75% cap remains compulsory<\/li>\n\n\n\n<li>Objective: Ensures banks retain sufficient internal capital for growth, risk absorption, and compliance with prudential norms issued by the Reserve Bank of India<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">DSIB (Domestic Systemically Important Banks) buffer<\/h3>\n\n\n\n<p>DSIB banks are systemically important institutions that require higher capital buffers to reduce systemic risk and maintain financial stability.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Base CET1 requirement: Minimum 8% Common Equity Tier 1 capital to ensure strong core capital base<\/li>\n\n\n\n<li>Capital Conservation Buffer: Additional 2.5% buffer to absorb financial stress and maintain stability during downturns<\/li>\n\n\n\n<li>Additional DSIB buffer: Extra capital requirement prescribed by the Reserve Bank of India based on systemic importance<\/li>\n\n\n\n<li>Total requirement: Overall capital adequacy is higher than normal banks due to systemic risk exposure and importance<\/li>\n\n\n\n<li>Objective: Strengthens financial system stability and enhances loss-absorbing capacity of large banks<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Key takeaway<\/h3>\n\n\n\n<p>DSIB banks operate under stricter capital and dividend norms to ensure stronger financial resilience and reduce systemic risk in the banking system.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher capital requirement ensures stronger financial resilience and stability<\/li>\n\n\n\n<li>Dividend payout is strictly regulated to preserve capital buffers<\/li>\n\n\n\n<li>Systemic importance leads to enhanced supervision and tighter regulatory control by the Reserve Bank of India<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/youtube.com\/playlist?list=PLmKwZ83G-3jXaZJRznHdwW3cWqLXusQLN&amp;si=ynWFXPrGHH1ZIyM7&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=examinfo-rbi-grade-b-daily-quiz-challenge&amp;ref=contac-rbi-circpq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt Free Daily RBI Grade B Quiz Challenge<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_items_are_excluded_from_dividend_calculation_under_RBI_2026_rules\"><\/span>What items are excluded from dividend calculation under RBI 2026 rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI clearly excludes certain items from dividend computation to ensure realistic profit distribution.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Item<\/strong><\/td><td><strong>Reason<\/strong><\/td><\/tr><tr><td>Exceptional Income<\/td><td>Non-recurring in nature<\/td><\/tr><tr><td>Sale of Assets<\/td><td>One-time gain<\/td><\/tr><tr><td>Level 3 Financial Instruments<\/td><td>Illiquid valuation gains<\/td><\/tr><tr><td>Unrealised Gains<\/td><td>Not actual cash profit<\/td><\/tr><tr><td>Excess Provision Reversal<\/td><td>Requires regulatory approval<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_remittance_of_profit_rules_for_foreign_banks_in_India\"><\/span>What are remittance of profit rules for foreign banks in India?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Foreign banks operating in India through branches are allowed to remit profits to their head offices, subject to conditions.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Aspect<\/td><td>Details<\/td><\/tr><tr><td>Account Requirement<\/td><td>Accounts must be properly audited before remittance<\/td><\/tr><tr><td>Source of Profit<\/td><td>Profit must arise from normal banking operations only<\/td><\/tr><tr><td>Regulatory Eligibility<\/td><td>Institution must meet all applicable regulatory eligibility norms<\/td><\/tr><tr><td>RBI Approval<\/td><td>Not required if all prescribed conditions are satisfied<\/td><\/tr><tr><td>Excess Remittance<\/td><td>Any excess amount remitted must be returned immediately<\/td><\/tr><tr><td>Reporting Requirement<\/td><td>Mandatory reporting\/submission to the Reserve Bank of India<\/td><\/tr><tr><td>Regulatory Treatment<\/td><td>Remittance is treated similarly to dividend distribution under regulatory norms<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1716908997586\"><strong class=\"schema-faq-question\">Q1. How important are RBI Circulars 2026 for RBI Grade B exam preparation?<\/strong> <p class=\"schema-faq-answer\">RBI Circulars 2025-26 are crucial for RBI Grade B exam preparation as they contain the latest regulatory guidelines, policies, and updates in the banking and financial sector, which are frequently asked in the exam&#8217;s current affairs and economic and social issues sections.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1716909075645\"><strong class=\"schema-faq-question\">Q2. Where can I find all the RBI Circulars 2026?<\/strong> <p class=\"schema-faq-answer\">You can find all the latest RBI Circulars 2026 on the official website of RBI under Notifications section.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1716909121789\"><strong class=\"schema-faq-question\">Q3. I don&#8217;t understand RBI Circular after reading it, how do I prepare for exam from it?<\/strong> <p class=\"schema-faq-answer\">We have got it covered for free. On our Oliveboard Regulatory Youtube Channel, our faculty Lakshmi Mam comes up with these sessions on a regular basis for free.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/pib-current-affairs\/\">PIB Current Affairs 2026, Attempt Quiz &amp; Download Free PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-reasoning-practice-quiz\/\">Attempt RBI Grade B Reasoning MCQs &amp; Download Free PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/pib-preparation-for-rbi-grade-b\/\">What toppers do differently while preparing PIB for RBI Grade B?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/nabard-esi-economics-social-issues-exam-preparation-material-quiz\/\">Attempt NABARD Grade A ESI Practice Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-quantitative-aptitude-practice-quiz\/\">Attempt RBI Grade B Quantitative Aptitude MCQs &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/iifcl-grade-a-accounting-practice-quiz\/\">Attempt IIFCL Grade A Accounting, Taxation Practice Quiz<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The RBI Circulars issued in 2026 introduce important regulatory updates for banks, NBFCs, Housing Finance Companies (HFCs), Core Investment Companies<\/p>\n","protected":false},"author":50,"featured_media":237580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10226,320,10247],"tags":[],"class_list":["post-179062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbi","category-rbi-grade-b","category-rbi-sebi-nabard","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Circulars 2026, Download RBI Circulars 2026 PDFs<\/title>\n<meta name=\"description\" content=\"RBI Circulars 2025-26 are one of the most important resources for the preparation of RBI Grade B Exam. Check RBI Circulars &amp; RBI Latest News\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs\" \/>\n<meta property=\"og:description\" content=\"The RBI Circulars issued in 2026 introduce important regulatory updates for banks, NBFCs, Housing Finance Companies (HFCs), Core Investment Companies\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-09T05:50:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T18:00:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Saloni Singhal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Saloni Singhal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\"},\"author\":{\"name\":\"Saloni Singhal\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/6aedd7baaab0f33dc2f40834a257f88c\"},\"headline\":\"RBI Circulars 2026, Attempt Quiz and Download RBI Circulars PDFs\",\"datePublished\":\"2026-04-09T05:50:50+00:00\",\"dateModified\":\"2026-04-09T18:00:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\"},\"wordCount\":3330,\"publisher\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\",\"articleSection\":[\"RBI\",\"RBI Grade B\",\"Regulatory Exams\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/\",\"name\":\"RBI Circulars 2026, Download RBI Circulars 2026 PDFs\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/RBI-1.webp\",\"datePublished\":\"2026-04-09T05:50:50+00:00\",\"dateModified\":\"2026-04-09T18:00:10+00:00\",\"description\":\"RBI Circulars 2025-26 are one of the most important resources for the preparation of RBI Grade B Exam. 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I'm a dedicated Government Job aspirant turned passionate writer &amp; content marketer. My blogs are a one-stop destination for accurate and comprehensive information on exam categories like Regulatory Bodies, Banking, SSC, State PSCs, and more. I am on a mission to provide you with all the details you need, conveniently in one place. When I am not writing and marketing, you will find me happily experimenting in the kitchen, cooking up delightful treats. Join me on this journey of knowledge and flavors!\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586\",\"position\":1,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716908997586\",\"name\":\"Q1. How important are RBI Circulars 2026 for RBI Grade B exam preparation?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"RBI Circulars 2025-26 are crucial for RBI Grade B exam preparation as they contain the latest regulatory guidelines, policies, and updates in the banking and financial sector, which are frequently asked in the exam's current affairs and economic and social issues sections.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716909075645\",\"position\":2,\"url\":\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/#faq-question-1716909075645\",\"name\":\"Q2. 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