Mumbai: The Reserve Bank of India (RBI) has issued new directions to banks, effective from October 1, 2025, covering interest rate on advances, lending against gold and silver collateral, and capital regulations. Along with these, the central bank has also released draft guidelines for public comments on gold metal loans, large exposures, intragroup transactions, and credit information reporting. The guidelines stated that under the Reserve Bank of India (Interest Rate on Advances) (Amendment Directions), 2025, rules for floating rate loans have been revised. On lending against gold and silver, the Reserve Bank of India (Lending Against Gold and Silver Collateral - 1st Amendment Directions), 2025, extends the earlier carve-out, which permitted such loans only for jewellers. The Reserve Bank of India (Basel III Capital Regulations - Perpetual Debt Instruments in Additional Tier 1 Capital - Eligible Limit for Instruments Denominated in Foreign Currency/Rupee Denominated Bonds Overseas) Directions, 2025, have also been notified.