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The Reserve Bank and Banking Ombudsmans' offices have been receiving several complaints regarding levying of excessive interest and charges on certain loans and advances

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With a view to consolidate the existing regulatory instructions on the topic on an ‘as-is’ basis, the draft of Reserve Bank of India (Commercial Banks – Interest Rates on Advances) Directions 2025...

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RBI had deregulated the interest rate on advances charged by Scheduled Commercial Banks (SCBs) with effect from October 18, 1994, except for loans up to ₹2 lakh.

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