Every 6 months, banks must now run vulnerability tests; once a year, they’ll face penetration tests on critical systems. Plus, disaster recovery drills? Half-yearly. This isn’t just about tech; it’s about trust. Customers’ data, mobile banking, ATMs, third-party vendors; all under tighter rules. Even CISOs must now report directly to risk heads, not IT. Why does this matter to you? Because your salary, savings, loans, and digital payments ride on these systems. If a bank fails to comply, it’s not just a fine; it’s a breach of public confidence. The framework also demands geographically separated backup sites, anti-phishing services, and mandatory source code access from vendors. In short: RBI’s not waiting for a cyberattack to happen; they’re forcing banks to prep like it’s already here. If you’re in banking, finance, or even just a regular account holder; this changes how safe your money really is.