Reserve Bank of India (RBI) introduces risk-based deposit insurance premium from April 2026

Exam-focused facts from the 8 February 2026 current affairs briefing.

Key facts

Reserve Bank of India (RBI) on Friday issued the risk-based premium framework for deposit insurance.
Deposit Insurance and Credit Guarantee Corporation (DICGC) will implement the new system from April 1, 2026.
Category A banks, considered the safest, will pay 8 paise per ₹100 of deposits.
Category D banks will continue to pay the current rate of 12 paise per ₹100 of deposits.
All banks now pay the same premium of 12 paise for every ₹100 of assessable deposits under the flat premium system.
DICGC has been providing deposit insurance since 1962 using a flat premium system.
Banks will be grouped into 4 risk categories: A, B, C and D.
Risk assessment will be based on audited financial data and supervisory ratings.