The Reserve Bank of India (RBI) has announced a series of regulatory reviews and reforms aimed at harmonizing and strengthening the banking and financial sector. Key initiatives include reviewing transmission and liquidity management models, harmonizing loan income recognition rules, and revising lending practices. The RBI is also set to review digital banking regulations, expand the lending interface, and advance pilots for the central bank digital currency (CBDC). In April 2025, the RBI released draft directions on loans against gold collateral to standardize regulations across banks and Non-Banking Financial Companies (NBFCs), specifying that loans can only be offered against gold jewellery and bank-issued coins, excluding gold bars, ingots, and bullion. Additionally, the RBI plans to review the remittance scheme following $30 billion outflows in fiscal year 2025 (FY25). During FY25, the RBI imposed penalties totaling ₹54.78 crore on 353 banks and other regulated entities for regulatory breaches. These measures reflect the RBI's focus on improving regulatory coherence and financial sector stability amid evolving economic conditions.