6 Big RBI Banking Rules From Jan 2026 - ATM Cash Fail, Gold Loan, Home Loan Interest & More |Meghala

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00:01 - 🔔 Introduction (RBI 2026 New Banking Updates Overview)
00:29 - 🏧 ATM Cash Withdrawal Failed but Amount Debited Rule
01:37 - 💸 Bank Compensation ₹100 per Day for ATM Failure
02:06 - 💰 Gold Loan Rules – Jewellery Only, No Raw Gold / Coins
03:05 - 🏅 Gold Manufacturers & Jewelers – Gold Metal Loan Update
03:31 - 🛡️ Financial Safety & Family Protection Awareness
04:01 - 📄 Term Insurance Importance & Claim Settlement
05:06 - 🏥 Health Insurance – Why It’s Crucial
05:54 - 📊 Credit Score Update Delay Problem Explained
06:33 - 📈 Weekly Credit Score Update from Jan 1, 2026
07:00 - 🚫 No Pre-Closure Penalty on Floating Rate Loans
08:26 - 👥 Multiple Nominees for Bank Accounts
09:09 - 📉 Interest Rate Reduction Based on Credit Score (Spread Rule)
10:31 - 🔐 New Bank App Security & Authentication Updates
11:18 - ✅ Conclusion & Final Thoughts

6 Big RBI Banking Rules From Jan 2026 - ATM Cash Fail, Gold Loan, Home Loan Interest & More |Meghala

The Reserve Bank of India (RBI) has announced major banking rule changes starting from 2026, and every bank customer in India must know these updates. In this video, we explain 6 important RBI updates in Tamil that directly impact your ATM withdrawals, loans, credit score, gold loans, nominees, and interest rates.

🔹 ATM Cash Withdrawal Rule: If cash is debited but not received, banks must auto-credit your money and pay ₹100 per day penalty.
🔹 Gold Loan Update: Banks can no longer accept raw gold, coins, or biscuits for loans — only proper gold jewellery with receipt.
🔹 Credit Score Update: From Jan 1, 2026, your credit score will update every week, helping you get faster and cheaper loans.
🔹 No Loan Pre-Closure Penalty: RBI bans pre-closure charges on floating interest rate loans including home, personal & vehicle loans.
🔹 Bank Nominee Rule: Now you can add multiple nominees with percentage sharing.
🔹 Interest Rate Reduction Rule: If your credit score improves or repo rate drops, banks must reduce your loan interest immediately.

These RBI rules will protect customers from unfair bank practices and help you save lakhs in interest.

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DISCLAIMER
The information provided in this video regarding RBI guidelines, banking updates, and insurance is for educational and informational purposes only and does not constitute professional financial, investment, or legal advice. While we strive for accuracy, banking rules and interest rates are subject to frequent change. Always verify details with your specific bank or a certified financial advisor before making financial decisions.

Any mention of insurance products or "trusted partners" is based on general market data; viewers should read all policy-related documents carefully before investing. The creator is not responsible for any financial losses or actions taken based on this content.

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