The Reserve Bank of India (RBI) has issued the final amendment directions to strengthen customer protection against fraudulent digital banking transactions. The revised framework expands the existing rules on limiting customer liability to cover a wider range of fraudulent electronic banking transactions.

The new directions also aim to speed up the resolution of customer complaints related to digital fraud and introduce a compensation mechanism for small-value fraudulent electronic transactions.

The final guidelines incorporate feedback received from stakeholders on the draft amendment directions released on March 6, 2026, under the RBI's Responsible Business Conduct framework.

The amended directions will apply to commercial banks, small finance banks, payment banks, local area banks, regional rural banks, and urban and rural co-operative banks, and will come into effect from January 1, 2027.