Post by Jobin Jacob

𝑹𝑩𝑰'𝒔 𝑪𝒍𝒊𝒎𝒂𝒕𝒆 𝑹𝒊𝒔𝒌 𝑭𝒓𝒂𝒎𝒆𝒘𝒐𝒓𝒌 𝒊𝒔 𝒏𝒐𝒘 𝒍𝒊𝒗𝒆 𝒇𝒐𝒓 𝑭𝒀26. 𝑩𝒂𝒏𝒌𝒔 𝒂𝒓𝒆 𝒓𝒆𝒒𝒖𝒊𝒓𝒆𝒅 𝒕𝒐 𝒃𝒖𝒊𝒍𝒅 𝒈𝒓𝒂𝒏𝒖𝒍𝒂𝒓 𝒄𝒍𝒊𝒎𝒂𝒕𝒆 𝒆𝒙𝒑𝒐𝒔𝒖𝒓𝒆 𝒅𝒂𝒕𝒂 𝒊𝒏𝒕𝒐 𝒄𝒓𝒆𝒅𝒊𝒕 𝒓𝒊𝒔𝒌 𝒎𝒐𝒅𝒆𝒍𝒔. 𝑴𝒐𝒔𝒕 𝒅𝒐 𝒏𝒐𝒕 𝒉𝒂𝒗𝒆 𝒊𝒕. 𝑻𝒉𝒆 𝒇𝒓𝒂𝒎𝒆𝒘𝒐𝒓𝒌𝒔 𝒂𝒓𝒆 𝒄𝒍𝒆𝒂𝒓. 𝑻𝒉𝒆 𝒅𝒂𝒕𝒂 𝒊𝒏𝒇𝒓𝒂𝒔𝒕𝒓𝒖𝒄𝒕𝒖𝒓𝒆 𝒊𝒔 𝒏𝒐𝒕. 𝑻𝒉𝒊𝒔 𝒊𝒔 𝒏𝒐𝒕 𝒂 𝒄𝒐𝒎𝒑𝒍𝒊𝒂𝒏𝒄𝒆 𝒑𝒓𝒐𝒃𝒍𝒆𝒎 — 𝒊𝒕 𝒊𝒔 𝒂 𝒅𝒂𝒕𝒂 𝒑𝒓𝒐𝒄𝒖𝒓𝒆𝒎𝒆𝒏𝒕 𝒑𝒓𝒐𝒃𝒍𝒆𝒎 𝒘𝒊𝒕𝒉 𝒂 𝒗𝒆𝒓𝒚 𝒔𝒑𝒆𝒄𝒊𝒇𝒊𝒄 𝒔𝒐𝒍𝒖𝒕𝒊𝒐𝒏 𝒕𝒊𝒎𝒆𝒍𝒊𝒏𝒆. Here is what compliance actually requires at an operational level — because the gap between the regulatory expectation and institutional readiness is larger than most credit risk teams currently acknowledge. The RBI framework requires district-level climate exposure mapping across agricultural loan portfolios. For every KCC loan, a bank needs to know the climate risk profile of the geography: drought frequency index, flood probability, rainfall deviation history, and NDVI baseline variability over the last five years. Most institutions have this data at the state level. Almost none have it systematically across their entire portfolio at the district level. The framework also requires scenario analysis capability — the ability to model what a 1-in-5-year rainfall deficit scenario does to the portfolio across all geographies simultaneously. And every data source used in the climate risk modelling needs to be auditable: verifiable, documented, traceable to recognised scientific sources, with a revision history. What institutions are discovering is that the operational challenge is the data pipeline — sourcing verified, district-level climate data across an entire agricultural portfolio, maintaining it on an annual update cycle, and producing audit-ready documentation — not the analytical framework. SatSure's SatSource platform addresses this operational challenge by providing district-level NDVI, soil moisture, and rainfall deviation data with a full audit trail, directly mappable to the RBI Climate Risk Framework requirements. The FY26 supervisory review window is approaching. Institutions building the data pipeline now will be ready. Those waiting for the next circular will not. Are your climate risk data requirements for FY26 already being sourced from a verified platform? Prateep BasuKumarjit Mazumder Vishal Thiruvedula Aakash Deep Nishkarsh Agrawal Bianca Ghose