The Reserve Bank of India (RBI) announced that banks can extend relief measures to borrowers affected by natural calamities without waiting for formal requests, starting July 1. This change comes in response to increasing weather-related disruptions impacting agriculture, infrastructure, and household incomes. The initial implementation date was set for April 1, but has been postponed by a quarter. The new guidelines allow banks to proactively implement resolution plans, which may include rescheduling payments, offering moratoriums, converting interest dues into separate credit facilities, or providing additional financing. Borrowers will have an opt-out window of up to 135 days from the disaster declaration date. However, eligibility for these relief measures is limited to standard accounts that are not overdue by more than 30 days at the time of the calamity. The RBI has also expanded the definition of natural calamities to include events recognized under the State Disaster Response Fund and National Disaster Response Fund. Existing restructured accounts will continue under the current framework unless a new resolution plan is invoked.