NABARD to Launch Centralised Digital Credit Infrastructure (CDCI) for Regional Rural Banks.

In September 2025, the National Bank for Agriculture and Rural Development (NABARD) is set to launch a Centralised Digital Credit Infrastructure (CDCI) for Regional Rural Banks (RRBs), aiming to digitise and automate loan processing, enhance efficiency, and strengthen RRB competitiveness against Non-Banking Financial Companies (NBFCs) and Microfinance Institutions (MFIs).

      - The CDCI platform is designed to streamline credit processing for a wide range of loan products, improving transparency and operational efficiency, while reducing manual intervention and paperwork.

      - Under the Government of India’s ‘One State – One RRB’ policy, effective from 1 May 2025, the number of RRBs was consolidated from 43 to 28, with approximately 92% of their branches located in rural and semi-urban areas, ensuring a wider rural outreach.

Main Point :-   (i) NABARD will support new credit products under CDCI, including housing loans with first-loss default guarantees and customised loans for Micro, Small, and Medium Enterprises (MSMEs), thereby expanding the financial inclusion and credit access of rural populations.

      (ii) The CDCI system will integrate all amalgamated RRBs into a single Core Banking Solution (CBS) and connect with land records, CIBIL (Credit Information Bureau India Limited), and Aadhaar for faster risk assessment and informed lending decisions, modernising the rural banking infrastructure.

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