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RBI Proposes New Lending Norms for Urban Co-op Banks: Good News for Customers
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RBI's New Rules: Major Changes for Urban Co-operative Banks, Customers Get Good News
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News18
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12-02-2026, 16:05
RBI's New Rules: Major Changes for Urban Co-operative Banks, Customers Get Good News
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RBI releases draft guidelines for Urban Co-operative Banks (UCBs) on loan issuance rules, impacting Home Loans and Unsecured Personal Loans.
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Proposed amendments to Urban Co-operative Banks - Credit Facilities (Amendment) Directions, 2026, expected to take effect from October 1, 2026.
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Tier 3 and Tier 4 UCBs gain flexibility in housing loan tenure and moratorium period; Tier 1 and Tier 2 UCBs retain existing 20-year maximum tenure.
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Moratorium period for home loans will only apply to house construction loans, not for purchasing completed houses.
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New limits for unsecured personal loans: Tier 1 UCBs up to Rs. 5 lakh, Tier 2 up to Rs. 7.5 lakh, and Tier 3/4 up to Rs. 10 lakh per borrower.
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