The framework, released on February 6, 2026, replaces the existing flat premium rate of 12 paise per Rs. 100 of assessable deposits (AD) with a differential pricing structure. Under the revised system, banks will be categorised based on risk scores derived from the Deposit Insurance and Cred
"The Board approved the risk-based deposit insurance framework for banks and also reviewed the activities of select Central Office Departments and the draft Report on Trend and Progress of Banking in India, 2024-25," RBI said in a statement.