Tool
Which level is your urban co-operative bank?
RBI’s 2026 cybersecurity Directions for urban co-operative banks sort each bank into Level I to IV, based on its digital services and its connection to the payment systems. Answer seven questions to see which chapters are likely to apply.
Answer all the questions to see the result.
The four levels
| Level | Chapters | Who it covers |
|---|---|---|
| Level I | Chapters II and III | All urban co-operative banks. This is the baseline every bank meets. |
| Level II | Chapters II, III and IV | A CPS sub-member that also offers internet banking or a mobile banking app, or is a direct member of CTS, IMPS or UPI. |
| Level III | Chapters II, III, IV and V | A direct CPS member, or a bank with its own ATM Switch or a SWIFT interface. |
| Level IV | Chapters II to VI | A direct or sub-member of CPS that has its own ATM Switch and a SWIFT interface, or that hosts a data centre or provides software support to other banks. |
Source: RBI Directions for urban co-operative banks, RBI/DoS/2026-27/437, issued 31 July 2026. This tool is a reading aid and not a regulatory determination.
Run your level as owned work
Requirements, tasks and policies scoped to your level, with status derived from evidence.