Retail banking regulation · Regulatory layer

Master Circular on Personal Loans and Finance

Consolidates CBO rules on personal loans and finance, including scope, ceilings, tenor, debt burden, cards, overdrafts, risk and reporting.

Material typeCBO circular

Legal branchRetail banking regulation

Legal layerRegulatory layer

Source languageOfficial CBO file or record; the language and components of the available version are stated at source

Review dateSeptember 13, 2026

Document overview

Consolidates CBO rules on personal loans and finance, including scope, ceilings, tenor, debt burden, cards, overdrafts, risk and reporting.

Scope and exclusions

Applies to

Covers finance granted to individuals for non-business purposes, including term loans, overdrafts and credit cards within the stated categories.

Limitations and exclusions

This is not a corporate-lending regime. The available link is the English annex; current ceilings, rates, exclusions and later amendments must be checked with CBO.

Official source

CBO Circular BM 1213 · 13 February 2025 · English annex · Central Bank of Oman

September 13, 2026

Open official source ↗

This editorial overview explains the instrument's subject and scope but does not replace the authoritative Arabic text or the current consolidated version.

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