Published on: 2026-11-10
Source: Mainfin Bank –
An important disclaimer is at the bottom of this article.
The Central Bank of the Russian Federation has decided to increase the cash transaction limits for microfinance organizations (MFO) twice as much. According to directive No. 7461-U, effective from November 14, 2026, the maximum amount under one contract loan The cash limit is now 100,000 rubles instead of the previous 50,000. In addition, the daily amount of expenses through the MFO unit’s cash desk has been increased from 1 million to 2 million rubles.
Regulatory profile and company status
The directive of the Central Bank of Russia No. 7461-U has been registered with the Ministry of Justice under number 88945. The document establishes a new procedure for cash operations for microfinance organizations. In accordance with this regulatory act, the maximum amounts are changed both for one-time payments under loan agreements and for the daily expenditure limit of funds through the organization’s cash unit.
Financial and operational results
The change in limits will allow microfinance organizations to expand the range of services for clients who prefer to receive cash. The increased limit may contribute to the growth of credit volumes among the population, especially in regions where the penetration of bank cards remains low. For the microfinance organizations themselves, this means the possibility of improving operational efficiency and reducing costs associated with the need to transfer large sums to clients’ bank cards.
Risk analysis and market impact
Increasing cash transaction limits carries certain risks related to a potential rise in fraud and illegal financial schemes. However, the Central Bank emphasizes the importance of complying with all legal requirements during such operations, including mandatory client identification and adherence to anti-money laundering regulations. The new restrictions are also aimed at enhancing the transparency of the microcredit market and protecting borrowers’ interests.
Frequently Asked Questions (FAQ)
- When do the changes come into effect?
The new limits will take effect on November 14, 2026, in accordance with the directive of the Bank of Russia No. 7461-U. - What is the maximum cash loan amount possible after the new regulations?
The maximum amount of a one-time cash loan under one agreement will be 100,000 rubles. - What other changes are provided for by the new directive?
In addition to increasing the maximum loan amount, a new limit has been set on expenses through the MFI office cash desk – it has increased from 1 to 2 million rubles per day.
Disclaimer: The information is provided solely for informational purposes and does not constitute a recommendation to take any action. It is advisable to consult with specialists before making decisions.
15:45 10.11.2026
Source: ConsultantPlus: Cash Outflow from MFO Cash Registers Increased and Buhgalteria.ru: Settlement Limits for MFOs.
Please note; This information is raw content obtained directly from the source of information. It represents an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.