How do I find the latest RBI circular on KYC norms?

On BlackMantis, type 'latest KYC norms' or 'KYC Master Direction' into the search box. The AI will retrieve the most recent RBI Master Direction on KYC and related circulars, with exact circular numbers and dates cited in the answer.

What are the current NBFC regulations from RBI?

RBI regulates NBFCs through a Scale-Based Regulation (SBR) framework introduced in 2021. Key regulations cover capital requirements, NPA norms, governance, and liquidity. BlackMantis indexes all NBFC-related circulars from 2010 to 2026 — ask any question to get cited answers from the relevant circular.

Where can I search RBI circulars by year?

BlackMantis lets you search RBI circulars by year by including the year in your question — for example, 'RBI digital lending guidelines 2022' or 'FEMA circulars 2023 to 2024'. The system automatically filters results to the relevant year range.

What did RBI say about digital lending guidelines?

RBI issued comprehensive Digital Lending Guidelines in September 2022 (RBI/2022-23/111), requiring LSPs to disclose APR, mandating loan repayments only through bank accounts of regulated entities, and prohibiting automatic credit limit increases without borrower consent. BlackMantis covers all digital lending circulars from 2020 to 2026.

How do I find RBI guidelines on Basel III capital requirements?

Ask BlackMantis 'Basel III capital requirements' or 'minimum capital adequacy ratio for banks'. RBI implemented Basel III guidelines through a series of Master Circulars and notifications from 2012 onwards, requiring banks to maintain a minimum CAR of 9% (above the Basel III minimum of 8%). All relevant circulars are indexed and searchable.

Can I search RBI circulars by department?

Yes. BlackMantis covers circulars across 12 RBI departments including Banking Regulation Department, NBFC, FEMA (Foreign Exchange Management), Payment and Settlement Systems, Consumer Education and Protection, Department of Regulation, and more. Include the department name in your question to narrow results.

What RBI circulars cover FEMA regulations on foreign investment?

RBI issues FEMA regulations under the Foreign Exchange Management Act. Key circulars cover FDI limits, ODI rules, ECB guidelines, and remittance norms. BlackMantis indexes all FEMA-related RBI circulars from 2010 to 2026. Ask 'FEMA FDI regulations' or 'foreign investment circular' to get cited answers.

How do I find RBI priority sector lending norms?

RBI's Priority Sector Lending (PSL) guidelines require banks to lend 40% of Adjusted Net Bank Credit to priority sectors including agriculture, MSMEs, education, and housing. Ask BlackMantis 'priority sector lending norms' to get the latest Master Directions and any amendments, with exact circular references.

What is the difference between an RBI circular and a Master Direction?

RBI circulars are individual instructions issued for specific regulatory changes or clarifications. Master Directions consolidate all instructions on a subject into a single document and are updated periodically as new circulars are issued. BlackMantis indexes both — you can search either type by asking your question naturally.

How accurate are the answers from BlackMantis?

BlackMantis answers are grounded in actual RBI circular text — every answer cites the circular number, department, and date so you can verify it directly on rbi.org.in. The system only answers from indexed circular content and will not fabricate regulatory facts.

Does BlackMantis cover RBI notifications on UPI and payment systems?

Yes. BlackMantis indexes all Payment and Settlement Systems circulars from RBI, including UPI guidelines, prepaid payment instruments (PPI), card tokenisation, NEFT/RTGS rules, and payment aggregator regulations — from 2010 to 2026.

BlackMantis is an AI-powered search engine for Reserve Bank of India circulars. It lets you ask questions in plain English and returns precise, cited answers from 7,000+ RBI circulars spanning 2010 to 2026. Built for bankers, compliance officers, fintech teams, and lawyers.

Is BlackMantis free to use?

BlackMantis offers paid plans starting at ₹299/month for 100 queries, ₹999/month for unlimited queries, and ₹2,999/month for teams of 5. A limited free trial is available to get started.

How many RBI circulars does BlackMantis cover?

BlackMantis indexes 7,000+ RBI circulars covering 16 years from 2010 to 2026, across 12 departments including Banking Regulation, NBFC, FEMA, Payment Systems, Consumer Protection, and more.

BlackMantis — Search 7,000+ RBI Circulars Instantly

BlackMantis is an AI-powered search engine for Reserve Bank of India circulars. Ask any question in plain English and get a cited answer from 7,000+ RBI circulars spanning 2010 to 2026 — with the exact circular number, department, and date attached.

Built for bankers, compliance officers, fintech teams, NBFCs, and lawyers who need accurate answers from RBI regulatory documents without spending hours searching rbi.org.in.

What you can search

KYC norms and Master Directions for banks and NBFCs
NBFC Scale-Based Regulation (SBR) framework
Digital lending guidelines (2022 onwards)
FEMA regulations on foreign investment and remittances
Basel III capital adequacy requirements
Priority Sector Lending (PSL) norms
UPI and Payment Systems circulars
Prudential norms for NPA classification
Interest rate directives and monetary policy circulars
Consumer protection and grievance redressal guidelines

How it works

Type your question in plain English — no circular number needed
BlackMantis searches all 7,000+ circulars using AI vector search
You get a clear answer citing the exact circular number and date

Departments covered

Banking Regulation · NBFC · Foreign Exchange (FEMA) · Payment and Settlement Systems · Consumer Education and Protection · Department of Regulation · Financial Markets · Government and Bank Accounts · Information Technology · Internal Debt Management · Non-Banking Supervision · Statistics and Information Management

Pricing

Basic — ₹299/month — 100 queries
Pro — ₹999/month — Unlimited queries
Team — ₹2,999/month — 5 users, unlimited queries

BlackMantis is an independent product. Not affiliated with or endorsed by the Reserve Bank of India. All circulars sourced from publicly available documents at rbi.org.in.

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