RBI's new deposit insurance rule: What's changing for you

Business Nov 24, 2025

RBI just switched up how banks pay for deposit insurance.
Now, banks with stronger finances and better management will pay less, while riskier banks have to shell out more.
The good news? Your ₹5 lakh coverage per bank on savings, current, fixed, and recurring deposits stays exactly the same.

How this affects you and your money

For most of us, not much changes right away—your insured amount is safe.
But banks might tweak their interest rates or services as they adjust to the new rules.
This move is meant to push banks toward smarter management and keep your money safer overall.
If you want extra peace of mind, spreading your deposits across different banks can help maximize your coverage under these new guidelines.