Accelerating complianceAxis Bank · CARO
Knowledge register · 3 Nov 2026OnFinance AI / Learning workspace
Blue BookCards & Payments
The single source of truth for Cards & Payments.
SOPs indexed
312
CMCs / PMCs
148
Regulations mapped
87
Your progress
29%
Your regulatory workspace
By regulatorRBI · 19 current instruments · 12 linked internal documents
View registerModule completion
Cards & Payments learning path
Passed (2)In progress (1)Locked (2)
CMC acknowledgement
Internal corpus · 14 documents
Acknowledged (11)Pending (3)
RBI instrument status
Current regulatory register
In force (16)Upcoming / phased (3)Deferred (0)
By regulation
Directions & circulars
By product
Cards, UPI & acquiring
By process
SOPs & operational controls
RBI coverage overview
Operational coverage by instrument
| Regulation | Linked docs | Changed | Paragraphs | Coverage |
|---|---|---|---|---|
| R01Cards Directions 2025 | 9 | 10 updated | 97 | 88% |
| R04Authentication Directions 2025 | 2 | — | 24 | 92% |
| R05E-mandate Framework 2026 | 1 | — | 18 | 94% |
| R06Customer liability 2026 | 2 | — | 22 | 76% |
| R07PA Directions 2025 | 1 | — | 41 | 81% |
| R09Digital Payment Security 2026 | 0 | — | 36 | 64% |
Regulatory updates
1 Nov 2026
Text republished "updated as on 1 Oct 2026": paras 8, 12(2), 22, 36, 45, 50, 58, 67, 68, 83 substituted (R03)
20 Oct 2026
CMC-Cards-2026-05 v0.9 draft circulated for 1 Apr 2027 readiness
30 Sept 2026
CMC-Disputes-2026-07 v1 approved for 1 Jan 2027
On the horizon
R06 customer liability
57 days · 1 Jan 2027
R02 late-fee rule
147 days · 1 Apr 2027