In October 2025, the Reserve Bank of India introduced updated guidelines to ease financial burdens for stressed retail borrowers. Which key change allows banks to immediately reset or reduce the non-credit-risk spread when restructuring or shifting interest rates?

Regarding the internal governance and financial reconciliation protocols mandated by the RBI's digital fraud compensation guidelines, which of the following combinations accurately describes the oversight requirements for banks and the specific mechanism for handling compensation if stolen funds are subsequently recovered?

Regarding the disclosure requirements for Regional Rural Banks (RRBs) as per the Reserve Bank of India (RBI) directions effective from April 1, 2026, which of the following statements is/are correct? 1. RRBs are required to explicitly report both current and previous year's deposit insurance premiums paid in their financial statements. 2. These disclosure instructions are issued under the legal authority provided by the Reserve Bank of India Act, 1934. 3. Financial statements must clearly disclose any pending arrears and specific delays regarding the payment of deposit insurance premiums. Select the correct option: