RBI Second Amendment Directions, 2026 – Investment in IDPIC by Urban Co-operative Banks (UCBs)

Last updated: 07 September 2026

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The Reserve Bank of India (RBI) has issued the Second Amendment Directions, 2026, allowing Urban Co-operative Banks (UCBs) to invest in equity shares of the Indian Digital Payment Intelligence Corporation (IDPIC). This amendment is in response to the establishment of IDPIC as the central digital payment fraud intelligence platform and aims to facilitate UCB membership. The changes, effective from the date of issue, amend the existing 2025 Directions regarding the classification, valuation, and operation of UCB investment portfolios.

September 2, 2026 Reserve Bank of India (Urban Co-operative Banks Classification, Valuation, and Operation of Investment Portfolio) Second Amendment Directions, 2026 Please refer to Chapter VIII of Reserve Bank of India (Urban Co-operative Banks - Classification, Valuation, and Operation of Investment Portfolio) Directions, 2025 dated November 28, 2025, on Investment in non-SLR securities. In view of the establishment of Indian Digital Payment Intelligence Corporation (IDPIC) as the nation's

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FAQ :

These directions amend the existing RBI (Urban Co-operative Banks - Classification, Valuation, and Operation of Investment Portfolio) Directions, 2025, to allow Urban Co-operative Banks (UCBs) to invest in the Indian Digital Payment Intelligence Corporation (IDPIC) for membership.

This amendment is in response to the establishment of IDPIC as the nation's central digital payment fraud intelligence platform and to enable UCBs to acquire its membership.

The Amendment Directions shall come into effect from the date of their issue.

Paragraph 101.(5) and Paragraph 107.(1) of the Reserve Bank of India (Urban Co-operative Banks - Classification, Valuation, and Operation of Investment Portfolio) Directions, 2025 have been substituted.

UCBs can invest in equity shares of the Indian Digital Payment Intelligence Corporation (IDPIC) for acquiring membership.

Notification No : RBI/2026-27/249
Source : https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13691&Mode=0

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