| Event/Highlight | Details |
|---|---|
| Announcement Date | 27 January 2026 |
| Effective Date | April 1, 2026 |
| Feedback Deadline | February 17, 2026 |
| Eligibility Criteria | Only standard borrowers who have not defaulted for more than 30 days at the time of disaster qualify for relief. |
| Relief Measures | Includes rescheduling loan repayments, converting accrued interest into a separate credit facility, granting temporary moratoriums, and sanctioning additional finance based on lender assessment. |
| Climate Risk Context | India ranks sixth globally in climate vulnerability (Germanwatch Global Climate Risk Index 2025). Between 1993 and 2022, India experienced over 400 extreme weather events, causing massive losses. |
| Affected States | Punjab, Assam, Uttarakhand, Jammu & Kashmir |
| Key Focus | Banks must proactively plan for natural calamities, assess climate risks, and design flexible resolution mechanisms while maintaining prudential discipline. |
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