{"id":904,"date":"2026-10-23T10:23:03","date_gmt":"2026-10-22T23:23:03","guid":{"rendered":"https:\/\/nexiant.ai\/resources\/blogs\/?p=904"},"modified":"2026-10-28T10:28:23","modified_gmt":"2026-10-27T23:28:23","slug":"insights-rbi-kyc-directions-transaction-monitoring-compliance","status":"publish","type":"post","link":"https:\/\/nexiant.ai\/resources\/blogs\/insights-rbi-kyc-directions-transaction-monitoring-compliance\/","title":{"rendered":"How RBI\u2019s 2025 KYC Directions Tie Transaction Monitoring Compliance to Customer Risk Categorisation"},"content":{"rendered":"\n<style>\n  .nx-blog * { box-sizing: border-box; margin: 0; padding: 0; }\n  .nx-blog { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; font-size: 16px; line-height: 1.75; color: #1a1a2e; max-width: 820px; margin: 0 auto; }\n  .nx-blog h2 { font-size: 1.55rem; font-weight: 700; color: #00184C; margin: 2.5rem 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 3px solid #073EA1; }\n  .nx-blog h3 { font-size: 1.15rem; 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border-radius: 12px; padding: 2rem; text-align: center; margin-top: 2.5rem; }\n  .nx-cta h3 { color: #fff; font-size: 1.3rem; font-weight: 700; margin-bottom: 0.5rem; }\n  .nx-cta p { color: #AEC9FF; font-size: 0.95rem; margin-bottom: 1.25rem; }\n  .nx-cta a { display: inline-block; background: #E11A1A; color: #fff; font-weight: 700; font-size: 0.95rem; padding: 0.7rem 1.8rem; border-radius: 6px; text-decoration: none; transition: background 0.2s; }\n  .nx-cta a:hover { background: #A30000; }\n  .nx-divider { border: none; border-top: 1px solid #e0e7f5; margin: 2rem 0; }\n  .nx-disclaimer { font-size: 0.8rem; color: #888; font-style: italic; text-align: center; margin-top: 1.5rem; }\n\n  @media (max-width: 720px) {\n    .nx-flow { grid-template-columns: 1fr; }\n    .nx-flow-step::after { content: \"\u2193\"; right: 50%; top: auto; bottom: -18px; transform: translateX(50%); }\n    .nx-stack-layer { flex-direction: column; }\n  }\n<\/style>\n\n\n<div class=\"nx-blog\">\n\n  <!-- HERO -->\n  <div class=\"nx-hero\">\n    <span class=\"nx-tag\">Transaction Monitoring &nbsp;\u00b7&nbsp; October 2026 &nbsp;\u00b7&nbsp; India<\/span>\n    <p class=\"nx-meta\">Paragraphs 20, 41 and 55 make the customer risk category the thread through monitoring intensity, alert logic and review, so a stale category weakens every monitoring control that depends on it.<\/p>\n  <\/div>\n\n  <!-- INTRODUCTION -->\n  <p><strong>RBI transaction monitoring compliance<\/strong> for commercial banks now sits in one consolidated instrument. On 28 November 2025 the Reserve Bank of India issued the <a href=\"https:\/\/www.rbi.org.in\/scripts\/BS_ViewMasDirections.aspx?id=13141\" class=\"nx-inline-link\" target=\"_blank\" rel=\"noopener\">Reserve Bank of India (Commercial Banks \u2013 Know Your Customer) Directions, 2025<\/a>, alongside separate KYC Directions for other categories of regulated entity. The Commercial Banks Directions were last updated on 1 October 2026.<\/p>\n  <p>This article covers the Commercial Banks Directions only. Small finance banks, for example, and other categories of regulated entity have their own Directions issued the same day, and those should be read from their own texts.<\/p>\n  <p>The pattern across the Directions is consistent. A customer is categorised, the category sets how closely the account is watched, and alerts are meant to fire when activity departs from the category and a current profile. The control holds only if the category is current, which is why the Directions also run clocks for review and updation.<\/p>\n\n  <!-- TOP VISUAL -->\n  <div class=\"nx-media\">\n    <img decoding=\"async\"\n      src=\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='820' height='460' viewBox='0 0 820 460'%3E%3Cdefs%3E%3ClinearGradient id='bg' x1='0' y1='0' x2='1' y2='1'%3E%3Cstop offset='0' stop-color='%2300184C'\/%3E%3Cstop offset='1' stop-color='%23073EA1'\/%3E%3C\/linearGradient%3E%3C\/defs%3E%3Crect width='820' height='460' rx='22' fill='url(%23bg)'\/%3E%3Ctext x='410' y='70' text-anchor='middle' font-family='Arial, sans-serif' font-size='30' font-weight='700' fill='%23ffffff'%3ECategory drives monitoring%3C\/text%3E%3Crect x='86' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.92'\/%3E%3Crect x='328' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.88'\/%3E%3Crect x='570' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.84'\/%3E%3Crect x='207' y='272' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.86'\/%3E%3Crect x='449' y='272' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.90'\/%3E%3Ccircle cx='168' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='410' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='652' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='290' cy='302' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='531' cy='302' r='16' fill='%23073EA1'\/%3E%3Ctext x='168' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3ECategorise%3C\/text%3E%3Ctext x='410' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EMonitor%3C\/text%3E%3Ctext x='652' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EAlert%3C\/text%3E%3Ctext x='290' y='338' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EReview%3C\/text%3E%3Ctext x='531' y='338' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EEvidence%3C\/text%3E%3Ctext x='410' y='410' text-anchor='middle' font-family='Arial, sans-serif' font-size='20' font-weight='600' fill='%23AEC9FF'%3EFrom risk category to evidence%3C\/text%3E%3C\/svg%3E\"\n      alt=\"RBI transaction monitoring compliance visual showing the chain from customer risk categorisation through monitoring intensity and alerts to review and evidence under the RBI Commercial Banks KYC Directions\"\n      loading=\"lazy\"\n      width=\"820\"\n      height=\"460\"\n    >\n    <p class=\"nx-caption\">The customer\u2019s risk category sets monitoring intensity and alert logic, and the review and updation clocks keep the category and profile current.<\/p>\n  <\/div>\n\n  <!-- QUICK ANSWER -->\n  <div class=\"nx-callout\">\n    <div class=\"nx-callout-title\">Quick answer<\/div>\n    <p>The Reserve Bank of India (Commercial Banks \u2013 Know Your Customer) Directions, 2025 require banks to categorise customers as low, medium or high risk (paragraph 20), undertake ongoing due diligence so that transactions stay consistent with what the bank knows about the customer (paragraph 39), align the extent of monitoring with the risk category and review the categorisation at least every six months (paragraph 41), and run software that alerts on transactions inconsistent with the customer\u2019s risk categorisation and updated profile (paragraph 55).<\/p>\n  <\/div>\n\n  <h2 id=\"what-the-directions-require-of-monitoring\"><span class=\"ez-toc-section\" id=\"What_the_Directions_require_of_monitoring\"><\/span>What the Directions require of monitoring<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Paragraph 6 requires a Board-approved KYC policy with four elements: customer acceptance, risk management, customer identification and monitoring of transactions. Paragraph 39 defines the monitoring duty as ongoing due diligence, so that transactions are consistent with the bank\u2019s knowledge of the customer, the customer\u2019s business and risk profile and the source of funds or wealth. Paragraph 40 names transaction types that must be monitored and says a bank may consider adopting AI and machine learning technologies to support effective monitoring.<\/p>\n  <div class=\"nx-table-wrap\">\n    <table class=\"nx-table\">\n      <thead>\n        <tr><th>Paragraph<\/th><th>What it requires<\/th><th>Evidence to hold<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td><strong>20<\/strong><\/td>\n          <td>Categorise customers as low, medium or high risk using parameters such as identity, business, geography, products, channel and transaction types<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Written categorisation logic and the reasons for each customer\u2019s category, kept confidential from the customer<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>39 and 40<\/strong><\/td>\n          <td>Ongoing due diligence; monitor large and complex transactions, threshold breaches, high turnover against balance, and third-party cheque deposits followed by large cash withdrawals<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Scenario coverage mapped to the paragraph 40 categories<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>41<\/strong><\/td>\n          <td>Align the extent of monitoring with the risk category; review categorisation at least every six months; intensify monitoring of high-risk accounts<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Review records and the monitoring rules applied to each category<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>55<\/strong><\/td>\n          <td>Software that generates alerts when transactions are inconsistent with the customer\u2019s risk categorisation and updated profile<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Alert logic showing category and profile as inputs<\/span><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h2 id=\"why-the-risk-category-has-to-drive-alert-logic\"><span class=\"ez-toc-section\" id=\"Why_the_risk_category_has_to_drive_alert_logic\"><\/span>Why the risk category has to drive alert logic<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Paragraph 55 makes the link explicit. Alerts are to be generated when transactions are inconsistent with the customer\u2019s risk categorisation and updated profile, so two inputs have to be live: the category and the profile. One threshold applied to every customer cannot satisfy it, and neither can a category set at onboarding and never moved.<\/p>\n  <p>Paragraph 41 adds that the extent of monitoring follows the category, with more intensified monitoring for high-risk accounts. The Directions also treat some groups as high risk by design: customers onboarded non-face-to-face, other than through the Aadhaar OTP route in paragraph 25, are to be categorised as high risk and subject to enhanced monitoring until their identity is verified in person or through video-based identification (paragraph 44), and accounts of politically exposed persons are under enhanced monitoring on an ongoing basis (paragraph 45).<\/p>\n  <div class=\"nx-grid\">\n    <div class=\"nx-card\">\n      <div class=\"nx-card-icon\"><svg viewBox=\"0 0 20 20\"><path d=\"M10 1L3 5v6c0 4.25 3 8.22 7 9 4-.78 7-4.75 7-9V5l-7-4zm0 2.18l5 2.78V11c0 3.13-2.18 6.07-5 6.93C7.18 17.07 5 14.13 5 11V5.96l5-2.78z\"\/><\/svg><\/div>\n      <h4>Low<\/h4>\n      <p>Monitoring aligned to the category; KYC updation at least every 10 years.<\/p>\n    <\/div>\n    <div class=\"nx-card\">\n      <div class=\"nx-card-icon\"><svg viewBox=\"0 0 20 20\"><path d=\"M3 3h14v2H3zm0 4h14v2H3zm0 4h10v2H3zm0 4h7v2H3z\"\/><\/svg><\/div>\n      <h4>Medium<\/h4>\n      <p>Monitoring aligned to the category; KYC updation at least every eight years.<\/p>\n    <\/div>\n    <div class=\"nx-card\">\n      <div class=\"nx-card-icon\"><svg viewBox=\"0 0 20 20\"><path d=\"M10 2a8 8 0 100 16A8 8 0 0010 2zm1 11H9V9h2v4zm0-6H9V5h2v2z\"\/><\/svg><\/div>\n      <h4>High<\/h4>\n      <p>More intensified monitoring; KYC updation at least every two years.<\/p>\n    <\/div>\n    <div class=\"nx-card\">\n      <div class=\"nx-card-icon\"><svg viewBox=\"0 0 20 20\"><path d=\"M13 6a3 3 0 11-6 0 3 3 0 016 0zm5 10a7 7 0 00-14 0h14z\"\/><\/svg><\/div>\n      <h4>Set by rule<\/h4>\n      <p>Non-face-to-face onboarding and PEP accounts carry enhanced monitoring.<\/p>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"three-clocks-the-directions-run-on\"><span class=\"ez-toc-section\" id=\"Three_clocks_the_Directions_run_on\"><\/span>Three clocks the Directions run on<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The Directions run three separate clocks. A change in one should reach the others: a re-categorisation changes monitoring intensity at once, and a KYC update changes the profile that alerts compare against.<\/p>\n  <p>For customers that are legal entities, paragraph 42 requires the bank, when it updates their KYC, to make sure beneficial ownership information is accurate and to update it where needed. The Directions define a controlling ownership interest in a company as more than 10% of the shares, capital or profits (paragraph 5), so ownership changes should reach monitoring as profile changes.<\/p>\n  <div class=\"nx-stack\">\n    <div class=\"nx-stack-layer\">\n      <div class=\"nx-stack-icon\">01<\/div>\n      <div>\n        <h4>Continuous<\/h4>\n        <p>Transaction monitoring and alert generation (paragraphs 39 to 41 and 55).<\/p>\n      <\/div>\n    <\/div>\n    <div class=\"nx-stack-layer\">\n      <div class=\"nx-stack-icon\">02<\/div>\n      <div>\n        <h4>At least every six months<\/h4>\n        <p>Review of risk categorisation and the need for enhanced due diligence (paragraph 41).<\/p>\n      <\/div>\n    <\/div>\n    <div class=\"nx-stack-layer\">\n      <div class=\"nx-stack-icon\">03<\/div>\n      <div>\n        <h4>Two, eight or ten years<\/h4>\n        <p>Periodic updation of KYC for high, medium and low-risk customers (paragraph 42).<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"where-identity-and-fraud-events-should-change-the-category\"><span class=\"ez-toc-section\" id=\"Where_identity_and_fraud_events_should_change_the_category\"><\/span>Where identity and fraud events should change the category<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The Directions do not use the language of fraud and AML integration, but several paragraphs create the data for it. Banks must report a detected case of forged identity through video-based customer identification as a cyber event (paragraph 27), must have systems that alert on breaches of the conditions applied to accounts opened through Aadhaar OTP based e-KYC (paragraph 25), and must treat non-face-to-face accounts as high risk until identity is verified (paragraph 44). Each is an identity or fraud signal that bears on the customer\u2019s risk category.<\/p>\n  <div class=\"nx-callout\">\n    <div class=\"nx-callout-title\">Reading the Directions carefully<\/div>\n    <p>The Directions require the alerts and the reporting. They do not say how an identity or fraud event must change a risk category. That design decision sits with the bank and should be recorded in its Board-approved policy.<\/p>\n  <\/div>\n\n  <h2 id=\"what-boards-and-auditors-will-ask-for\"><span class=\"ez-toc-section\" id=\"What_Boards_and_auditors_will_ask_for\"><\/span>What Boards and auditors will ask for<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The Directions make responsibility visible. The Board or a delegated committee approves the KYC policy (paragraph 6). Banks must allocate responsibility, arrange independent evaluation and concurrent audit, and submit quarterly audit notes and compliance to the Audit Committee (paragraph 12). The ML\/TF risk assessment is reviewed at least annually and presented to the Board (paragraph 10). A bank may not outsource decision-making on determining compliance with KYC norms (paragraph 13), and filing a suspicious transaction report does not by itself justify restricting operations in the account (paragraph 54).<\/p>\n  <div class=\"nx-obligations\">\n    <div class=\"nx-obl-item\">\n      <h4>Show the category logic<\/h4>\n      <p>Written rules, reasons and the date each customer was last categorised.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Show the clocks working together<\/h4>\n      <p>Evidence that a re-categorisation or KYC update changed monitoring or the profile.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Show the alert inputs<\/h4>\n      <p>Alert logic that uses category and updated profile, with threshold changes recorded.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Show decisions stayed in-house<\/h4>\n      <p>Records that determinations of KYC compliance were made by the bank\u2019s own staff.<\/p>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"how-nexiant-supports-category-driven-monitoring\"><span class=\"ez-toc-section\" id=\"How_Nexiant_supports_category-driven_monitoring\"><\/span>How Nexiant supports category-driven monitoring<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>FraudShield, Nexiant\u2019s specialist transaction-monitoring brand, is built around real-time detection, configurable rule logic and case-management workflows. For category-driven monitoring, the useful tests of any capability are whether the customer\u2019s risk category is an input to rule logic, whether a category change takes effect in monitoring immediately, and whether the reason for a change stays in the case record. Nexiant brings these questions together across KYC, fraud and monitoring as a design discipline, not as a claim about one integrated system.<\/p>\n\n\n  <hr class=\"nx-divider\">\n\n  <h2 id=\"frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <!-- FAQ -->\n  <div class=\"nx-faq\">\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">What do the RBI KYC Directions require for transaction monitoring?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">Banks must undertake ongoing due diligence so that transactions are consistent with their knowledge of the customer, business and risk profile and the source of funds (paragraph 39), monitor the transaction types in paragraph 40, align the extent of monitoring with the customer\u2019s risk category (paragraph 41) and run software that alerts on transactions inconsistent with the risk categorisation and updated profile (paragraph 55).<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">How often must a bank review customer risk categories?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">Paragraph 41 requires periodic review of the risk categorisation of accounts at least once every six months, to establish the need for enhanced due diligence. This is separate from KYC updation, which is at least every two years for high-risk, eight years for medium-risk and 10 years for low-risk customers (paragraph 42).<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">Do the Directions allow banks to use AI for monitoring?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">Paragraph 40 says a bank may consider adopting appropriate innovations, including AI and machine learning technologies, to support effective monitoring. It does not make their use mandatory.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">Do these Directions apply to NBFCs and small finance banks?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">The Commercial Banks Directions apply to commercial banks, which they define to exclude small finance banks, payments banks and local area banks. Other categories of regulated entity have their own KYC Directions, and those texts should be read.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">What is the beneficial ownership threshold in the Directions?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">For a company, a controlling ownership interest means ownership of or entitlement to more than 10% of the shares, capital or profits. For a partnership firm the threshold is more than 10% of capital or profits, and for an unincorporated association or body of individuals it is more than 15% (paragraph 5).<\/div>\n    <\/div>\n  <\/div>\n\n  <!-- CTA -->\n  <div class=\"nx-cta\">\n    <h3>Make the risk category drive monitoring<\/h3>\n    <p>Speak with a Nexiant expert about connecting KYC risk categorisation to monitoring and case management, or explore FraudShield\u2019s case-management and rule-configuration capability.<\/p>\n    <a href=\"https:\/\/nexiant.ai\/contact-us\/\">Speak with an expert<\/a>\n  <\/div>\n\n  <p class=\"nx-disclaimer\">This article was accurate at the time of publication in October 2026 and is intended for general informational purposes only. It does not constitute legal, regulatory or compliance advice. Organisations should seek qualified professional guidance in relation to their specific obligations.<\/p>\n\n<\/div>\n\n<script>\n  document.querySelectorAll('.nx-faq-q').forEach(function(btn) {\n    btn.addEventListener('click', function() {\n      var expanded = this.getAttribute('aria-expanded') === 'true';\n      this.setAttribute('aria-expanded', !expanded);\n      this.nextElementSibling.classList.toggle('open', !expanded);\n    });\n  });\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What do the RBI KYC Directions require for transaction monitoring?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Banks must undertake ongoing due diligence so that transactions are consistent with their knowledge of the customer, business and risk profile and the source of funds (paragraph 39), monitor the transaction types in paragraph 40, align the extent of monitoring with the customer\u2019s risk category (paragraph 41) and run software that alerts on transactions inconsistent with the risk categorisation and updated profile (paragraph 55).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How often must a bank review customer risk categories?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Paragraph 41 requires periodic review of the risk categorisation of accounts at least once every six months, to establish the need for enhanced due diligence. 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RBI transaction monitoring compliance for commercial banks now sits in one consolidated instrument. On 28 November 2025 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":905,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_aioseo_title":"RBI Transaction Monitoring Compliance for Banks | Nexiant","_aioseo_description":"RBI\u2019s 2025 KYC Directions for commercial banks link monitoring intensity, risk review, and alerts to customer risk category. 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