6 Big RBI Rule Changes in 2026 | Bank Account & Loan Holders Must Know

Описание: In this video, we break down the 6 major changes introduced by the Reserve Bank of India (RBI) that directly impact every bank account holder and loan borrower. Staying updated with these new regulations can help you save money on penalties and manage your finances more effectively.

In this video, we cover:

​Faster Credit Score Updates: Understand how the new 7-day reporting cycle will help you maintain an accurate credit profile for faster loan approvals.

​Zero Foreclosure Charges: A huge relief for borrowers! Learn about the new rule that prohibits banks from charging penalties on early loan repayments from 2026.

​Compensation for Failed Transactions: Know your rights! If your money is stuck in a failed transaction, learn how to claim ₹100 per day as compensation from your bank.

​Enhanced Nomination Facility: We explain the new flexibility of adding up to 4 nominees to a single account and how to divide their shares.

​Interest Rate Re-negotiation: Learn how a better credit score can now help you legally demand lower interest rates on your existing loans.

​Gold Metal Loan Updates: Key information for jewelers regarding the extended duration for Gold Metal Loans.

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Timestamps:

​0:00 - Introduction: Why RBI Rules Matter
​0:27 - New Credit Score Reporting Rules (7-Day Cycle)
​0:52 - No More Foreclosure Charges on Floating Rate Loans
​1:23 - Compensation for Failed Transactions (T+5 Rule)
​1:57 - New Nomination Rules: Adding Multiple Nominees
​2:25 - How to Lower Your Interest Rate using Credit Score
​2:54 - Gold Metal Loan Extension for Jewelers
​3:15 - Conclusion & Summary


Disclaimer:

This video is for educational purposes only and is based on the latest guidelines issued by the Reserve Bank of India. Banking rules and policies are subject to change. Please consult your bank branch or a financial expert for specific advice regarding your accounts and loans.


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