Master Circulars - আৰবিআই - Reserve Bank of India
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Master Circulars
জুলাই 01, 2009
Master Circular - Guidelines for Relief Measures by Banks in Areas affected by Natural Calamities
RBI/2009-10/ 36 RPCD. No. PLFS. BC.@@NBSP@@ 1@@NBSP@@@@NBSP@@ / 05.04.02/ 2009- 10 July 1, 2009 The Chairman/Managing Director/Chief Executive Officer All scheduled commercial banks (excluding Regional Rural Banks) Dear Sir, MASTER CIRCULAR - GUIDELINES FOR RELIEF MEASURES BY BANKS IN AREAS AFFECTED BY NATURAL CALAMITIES Please refer to our Master Circular RPCD.No.PLFS.BC.1 /05.04.02/2008-09 dated July 1, 2008, incorporating guidelines issued to banks in regard to mat
RBI/2009-10/ 36 RPCD. No. PLFS. BC.@@NBSP@@ 1@@NBSP@@@@NBSP@@ / 05.04.02/ 2009- 10 July 1, 2009 The Chairman/Managing Director/Chief Executive Officer All scheduled commercial banks (excluding Regional Rural Banks) Dear Sir, MASTER CIRCULAR - GUIDELINES FOR RELIEF MEASURES BY BANKS IN AREAS AFFECTED BY NATURAL CALAMITIES Please refer to our Master Circular RPCD.No.PLFS.BC.1 /05.04.02/2008-09 dated July 1, 2008, incorporating guidelines issued to banks in regard to mat
জুলাই 01, 2009
Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification and Provisioning and Capital Adequacy- RRBs
RBI/2009-10/92 RPCD.CO.RRB.BC No. 11/03.05.33/2009-10 July 1, 2009 The Chairman All Regional Rural Banks Dear Sir, Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification and Provisioning and Capital Adequacy- RRBs Please refer to our circulars RPCD.CO.RRB.No.BC.18 /03.05.072/2008-09 July 30, 2008; RPCD.CO.RRB.No.BC.64/ 03.05.072/ 2008-09 November 17, 2008 and RPCD.CO. RRB. No.BC.92/ 03.05.072/ 2008-09 March
RBI/2009-10/92 RPCD.CO.RRB.BC No. 11/03.05.33/2009-10 July 1, 2009 The Chairman All Regional Rural Banks Dear Sir, Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification and Provisioning and Capital Adequacy- RRBs Please refer to our circulars RPCD.CO.RRB.No.BC.18 /03.05.072/2008-09 July 30, 2008; RPCD.CO.RRB.No.BC.64/ 03.05.072/ 2008-09 November 17, 2008 and RPCD.CO. RRB. No.BC.92/ 03.05.072/ 2008-09 March
জুলাই 01, 2009
Master Circular Priority Sector Lending-Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
RBI/2009-10/32 RPCD.SP.BC.No.4/09.09.01/2009-10 July 1, 2009 All Indian Scheduled Commercial Banks Dear Sir, Master Circular Priority Sector Lending-Credit facilities to Scheduled Castes (SCs)@@NBSP@@ & Scheduled Tribes (STs) Reserve Bank of India has, periodically, issued instructions / directives to banks with regard to providing Credit facilities to Scheduled Castes (SCs) and Scheduled Tribes (STs). To enable banks to have current instructions at one place, a M
RBI/2009-10/32 RPCD.SP.BC.No.4/09.09.01/2009-10 July 1, 2009 All Indian Scheduled Commercial Banks Dear Sir, Master Circular Priority Sector Lending-Credit facilities to Scheduled Castes (SCs)@@NBSP@@ & Scheduled Tribes (STs) Reserve Bank of India has, periodically, issued instructions / directives to banks with regard to providing Credit facilities to Scheduled Castes (SCs) and Scheduled Tribes (STs). To enable banks to have current instructions at one place, a M
জুলাই 01, 2009
Master Circular on Micro Credit
RBI/ 2009-10/40 RPCD. MFFI. BC.No.09 /12.01.001/ 2009-10 July 1, 2009 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Dear Sir, Master Circular on Micro Credit Please refer to our Master Circular RPCD. MFFI. BC.No.08/ 12.01.001/ 2008-09@@NBSP@@July 1, 2008 on the above subject. The enclosed Master Circular consolidates the instructions issued by Reserve Bank on the subject up to June 30, 2009. The list of circulars containing th
RBI/ 2009-10/40 RPCD. MFFI. BC.No.09 /12.01.001/ 2009-10 July 1, 2009 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Dear Sir, Master Circular on Micro Credit Please refer to our Master Circular RPCD. MFFI. BC.No.08/ 12.01.001/ 2008-09@@NBSP@@July 1, 2008 on the above subject. The enclosed Master Circular consolidates the instructions issued by Reserve Bank on the subject up to June 30, 2009. The list of circulars containing th
জুলাই 01, 2009
Master Circular on Branch Authorisation
RBI/2009-10/63 DBOD.No. BL.BC. 20 /22.01.001/2009-10 July 1, 2009 Ashadha 9, 1931(Saka) All Commercial Banks (excluding RRBs) Dear Sir, Section 23 of Banking Regulation Act, 1949 – Master Circular on Branch Authorisation Please refer to the Master Circular DBOD.No.BL.BC.21/22.01.001 / 2008-09 dated July 1, 2008 consolidating instructions / guidelines issued to banks on Branch Authorisation@@NBSP@@ till June 30, 2008.@@NBSP@@@@NBSP@@ The Master Circular has been suitab
RBI/2009-10/63 DBOD.No. BL.BC. 20 /22.01.001/2009-10 July 1, 2009 Ashadha 9, 1931(Saka) All Commercial Banks (excluding RRBs) Dear Sir, Section 23 of Banking Regulation Act, 1949 – Master Circular on Branch Authorisation Please refer to the Master Circular DBOD.No.BL.BC.21/22.01.001 / 2008-09 dated July 1, 2008 consolidating instructions / guidelines issued to banks on Branch Authorisation@@NBSP@@ till June 30, 2008.@@NBSP@@@@NBSP@@ The Master Circular has been suitab
জুলাই 01, 2009
Master Circular - Branch Licensing - RRBs
RBI/2009-10/41 RPCD.CO.RRB.No.BL.BC. 8/ 03.05.90- A/ 2009-10 July 1, 2009 The Chairman, All Regional Rural Banks Dear Sir, Section 23 of the Banking Regulation Act, 1949 - Master Circular on Branch Licensing - Regional Rural Banks (RRBs) Reserve Bank of India has been issuing instructions to RRBs regarding opening/shifting/merger of branches/extension counters/offices, etc. from time to time. With a view to consolidating all the current instructions and incorporating
RBI/2009-10/41 RPCD.CO.RRB.No.BL.BC. 8/ 03.05.90- A/ 2009-10 July 1, 2009 The Chairman, All Regional Rural Banks Dear Sir, Section 23 of the Banking Regulation Act, 1949 - Master Circular on Branch Licensing - Regional Rural Banks (RRBs) Reserve Bank of India has been issuing instructions to RRBs regarding opening/shifting/merger of branches/extension counters/offices, etc. from time to time. With a view to consolidating all the current instructions and incorporating
জুলাই 01, 2009
Master Circular on Priority Sector Lending- Special Programmes- Swarnajayanti Gram Swarozgar Yojana (SGSY)
RBI/ 2009-10/ 35 RPCD.SP.BC.No.7 /09.01.01/2009-10 July 01, 2009 All Commercial Banks Dear Sir, Master Circular on Priority Sector Lending- Special Programmes- Swarnajayanti Gram Swarozgar Yojana (SGSY) Please refer to our Master Circular RBI/2008-09/38; RPCD.SP.BC.No.3/09.01.01/ 2008-09 dated July 1, 2008 on Swarnajayanti Gram Swarozgar Yojana (SGSY). To enable the banks to have current instructions at one place, an up-dated Master Circular incorporating all the exis
RBI/ 2009-10/ 35 RPCD.SP.BC.No.7 /09.01.01/2009-10 July 01, 2009 All Commercial Banks Dear Sir, Master Circular on Priority Sector Lending- Special Programmes- Swarnajayanti Gram Swarozgar Yojana (SGSY) Please refer to our Master Circular RBI/2008-09/38; RPCD.SP.BC.No.3/09.01.01/ 2008-09 dated July 1, 2008 on Swarnajayanti Gram Swarozgar Yojana (SGSY). To enable the banks to have current instructions at one place, an up-dated Master Circular incorporating all the exis
জুলাই 01, 2009
Master Circular Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY)
RBI/2009-10/31 RPCD.SP.BC.No.3 /09.16.01/2009-10 July 1, 2009 The Chairman / Managing Director All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Master Circular Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY) Reserve Bank of India has, periodically, issued instructions/directives to banks with regard to operationalisation of the Swarna Jayanti Shahari Rozgar Yojana (SJSRY). To enable banks to have current instructions a
RBI/2009-10/31 RPCD.SP.BC.No.3 /09.16.01/2009-10 July 1, 2009 The Chairman / Managing Director All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Master Circular Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY) Reserve Bank of India has, periodically, issued instructions/directives to banks with regard to operationalisation of the Swarna Jayanti Shahari Rozgar Yojana (SJSRY). To enable banks to have current instructions a
জুলাই 01, 2009
Master Circular on New “Self Employment Scheme for Rehabilitation of Manual Scavengers” (SRMS) from the Ministry of Social Justice & Empowerment for rehabilitation of all the remaining scavengers and their dependents by September 2009
RBI/2009-10/34 RPCD.SP.BC. No.6/09.03.01/ 2009-10 July 1, 2009 The Chairman/ Managing Director All Indian Public Sector Banks ( Excluding RRBs) Dear Sir, Master Circular on New “Self Employment Scheme for Rehabilitation of Manual Scavengers” (SRMS) from the Ministry of Social Justice & Empowerment for rehabilitation of all the remaining scavengers and their dependents by September 2009 Reserve Bank of India had issued instructions in April 2008 to banks regarding
RBI/2009-10/34 RPCD.SP.BC. No.6/09.03.01/ 2009-10 July 1, 2009 The Chairman/ Managing Director All Indian Public Sector Banks ( Excluding RRBs) Dear Sir, Master Circular on New “Self Employment Scheme for Rehabilitation of Manual Scavengers” (SRMS) from the Ministry of Social Justice & Empowerment for rehabilitation of all the remaining scavengers and their dependents by September 2009 Reserve Bank of India had issued instructions in April 2008 to banks regarding
জুন 30, 2009
Continuation of Self Employment Scheme for Rehabilitation of Manual Scavengers(SRMS) beyond March 2009
RBI/2008-09/515 RPCD.SP.BC.No.117 /09.03.01/2008-09 June 30, 2009 The Chairman /Managing Directors All Indian Public Sector Banks (Excluding RRBs) Dear Sir, Continuation of Self Employment Scheme for Rehabilitation of Manual Scavengers(SRMS) beyond March 2009 Please refer to our Circular RPCD.SP.BC.No 57/09.03.01/2007-08 dated April 15, 2008 advising the banks about the new and improved scheme approved by the government of India named, “Self Employment Scheme for Reha
RBI/2008-09/515 RPCD.SP.BC.No.117 /09.03.01/2008-09 June 30, 2009 The Chairman /Managing Directors All Indian Public Sector Banks (Excluding RRBs) Dear Sir, Continuation of Self Employment Scheme for Rehabilitation of Manual Scavengers(SRMS) beyond March 2009 Please refer to our Circular RPCD.SP.BC.No 57/09.03.01/2007-08 dated April 15, 2008 advising the banks about the new and improved scheme approved by the government of India named, “Self Employment Scheme for Reha
জুন 26, 2009
StCBs/DCCBs - Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification and Provisioning
RBI/2008-09/512 RPCD.CO.RF.BC.No. 116 /07.37.02/2008-09 June 26, 2009 All State and Central Co-operative Banks Dear Sir, Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification and Provisioning Please refer to our circulars RPCD.CO.RF.BC.No.17/07.38.03/2008-09 dated July 30, 2008, RPCD.CO.RF.BC.No.69/07.37.02/2008-09 dated November 17, 2008 and RPCD.CO.RF.BC.No.91/07.37.02/2008-09 dated March 6, 2009 on the
RBI/2008-09/512 RPCD.CO.RF.BC.No. 116 /07.37.02/2008-09 June 26, 2009 All State and Central Co-operative Banks Dear Sir, Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification and Provisioning Please refer to our circulars RPCD.CO.RF.BC.No.17/07.38.03/2008-09 dated July 30, 2008, RPCD.CO.RF.BC.No.69/07.37.02/2008-09 dated November 17, 2008 and RPCD.CO.RF.BC.No.91/07.37.02/2008-09 dated March 6, 2009 on the
জুন 22, 2009
RRBs - Valuation of Properties - Empanelment of Valuers
RBI/2008-09/506 RPCD.CO.RRB.BC.No.115/03.05.33/2008-09 June 22, 2009 All Regional Rural Banks Dear Sir, Valuation of properties - Empanelment of Valuers It has been observed that different banks follow different policies for valuation of properties and appointment of valuers for the purpose. The issue of correct and realistic valuation of fixed assets owned by banks and that accepted by them as collateral for a sizable portion of their advances portfolio assumes signi
RBI/2008-09/506 RPCD.CO.RRB.BC.No.115/03.05.33/2008-09 June 22, 2009 All Regional Rural Banks Dear Sir, Valuation of properties - Empanelment of Valuers It has been observed that different banks follow different policies for valuation of properties and appointment of valuers for the purpose. The issue of correct and realistic valuation of fixed assets owned by banks and that accepted by them as collateral for a sizable portion of their advances portfolio assumes signi
জুন 18, 2009
Controlling Office" renamed as "Regional Office"- RRBs
RBI/2008-09/504 RPCD.CO.RRB.BC No. 114/03.05.90-A/2008-09 June 18, 2009 All Regional Rural Banks Dear Sir, "Controlling Office" renamed as "Regional Office"- RRBs Please refer to paragraph 2 and 2.3 of our Master Circular on Branch Licensing - @@NBSP@@Regional Rural Banks (RRBs) RPCD.CO.RRB.No.BL.BC.07/ 03.05.90-A/2008-09 (RBI/2008-09/36) July 1, 2008 read with Circular RPCD. CO. RRB. BC. No. 101/ 03.05.90-A/ 2008-09 dated May 4, 2009, on the captioned subject. 2. We
RBI/2008-09/504 RPCD.CO.RRB.BC No. 114/03.05.90-A/2008-09 June 18, 2009 All Regional Rural Banks Dear Sir, "Controlling Office" renamed as "Regional Office"- RRBs Please refer to paragraph 2 and 2.3 of our Master Circular on Branch Licensing - @@NBSP@@Regional Rural Banks (RRBs) RPCD.CO.RRB.No.BL.BC.07/ 03.05.90-A/2008-09 (RBI/2008-09/36) July 1, 2008 read with Circular RPCD. CO. RRB. BC. No. 101/ 03.05.90-A/ 2008-09 dated May 4, 2009, on the captioned subject. 2. We
জুন 16, 2009
StCBs/DCCBs - Income Recognition/Asset Classification/Provisioning
RBI/2008-09/498 RPCD.CO.RF.BC.No.113/07.37.02/2008-09 June 16, 2009 All State Co-operative Banks (StCBs) and Central Co-operative Banks (CCBs) Dear Sir, Income recognition, asset classification, provisioning and other related matters Short-term agricultural advances as well as advances for other purposes are granted by State Co-operative Banks/Central Co-operative Banks to Central Co-operative Banks/Primary Agricultural Credit Societies respectively for the purpose of
RBI/2008-09/498 RPCD.CO.RF.BC.No.113/07.37.02/2008-09 June 16, 2009 All State Co-operative Banks (StCBs) and Central Co-operative Banks (CCBs) Dear Sir, Income recognition, asset classification, provisioning and other related matters Short-term agricultural advances as well as advances for other purposes are granted by State Co-operative Banks/Central Co-operative Banks to Central Co-operative Banks/Primary Agricultural Credit Societies respectively for the purpose of
জুন 03, 2009
StCBs/DCCBs - Valuation of properties - Empanelment of Valuers
RBI/2008-2009/490 RPCD.CO.RF.BC.No. 112 /07.37.02/2008-09 June 3, 2009 All State Co-operative Banks (StCBs) and@@NBSP@@ District Central Co-operative Banks (DCCBs)@@NBSP@@ Dear Sir, Valuation of properties - Empanelment of Valuers It has been observed that different banks follow different policies for valuation of properties and appointment of valuers for the purpose. The issue of correct and realistic valuation of fixed assets owned by banks and that accepted by them
RBI/2008-2009/490 RPCD.CO.RF.BC.No. 112 /07.37.02/2008-09 June 3, 2009 All State Co-operative Banks (StCBs) and@@NBSP@@ District Central Co-operative Banks (DCCBs)@@NBSP@@ Dear Sir, Valuation of properties - Empanelment of Valuers It has been observed that different banks follow different policies for valuation of properties and appointment of valuers for the purpose. The issue of correct and realistic valuation of fixed assets owned by banks and that accepted by them
জুন 02, 2009
Sub-Committee of SLBC for Export Promotion
RBI/2008-09/489 RPCD.LBS.CO.BC.No 111 /02.13.03/2008-09 June 02, 2009 All SLBC/UTLBC Convenor Banks, (As per mailing list) Dear Sir, Sub-Committee of SLBC for Export Promotion Please refer to RBI Circular letter DBOD.IECS.No. 43//04.02.10/2004-05 dated September 17, 2004 (copy enclosed) wherein all commercial banks were advised to set up a separate Sub-Committee under State Level Bankers’ Committee (SLBC) to discuss exporters’ problems in relation to export finance an
RBI/2008-09/489 RPCD.LBS.CO.BC.No 111 /02.13.03/2008-09 June 02, 2009 All SLBC/UTLBC Convenor Banks, (As per mailing list) Dear Sir, Sub-Committee of SLBC for Export Promotion Please refer to RBI Circular letter DBOD.IECS.No. 43//04.02.10/2004-05 dated September 17, 2004 (copy enclosed) wherein all commercial banks were advised to set up a separate Sub-Committee under State Level Bankers’ Committee (SLBC) to discuss exporters’ problems in relation to export finance an
মে’ 29, 2009
RRBs - Submission of Certified Copies of Entries/Print Outs to Courts
RBI/2008-09/487 RPCD.CO.RRB.BC.No.110 @@NBSP@@/03.05.33/2008-09 May 29, 2009 The Chairman All Regional Rural Banks Dear Sir, The Bankers' Books Evidence Act, 1891 - Submission of @@NBSP@@Certified Copies of Entries / Print out to Courts In a recent case heard at the Court of a Civil Judge in Maharashtra, the Hon'ble Court advised Reserve Bank of India to instruct all banks that whenever they submit any data stored in their computer systems as evidence under Bankers' B
RBI/2008-09/487 RPCD.CO.RRB.BC.No.110 @@NBSP@@/03.05.33/2008-09 May 29, 2009 The Chairman All Regional Rural Banks Dear Sir, The Bankers' Books Evidence Act, 1891 - Submission of @@NBSP@@Certified Copies of Entries / Print out to Courts In a recent case heard at the Court of a Civil Judge in Maharashtra, the Hon'ble Court advised Reserve Bank of India to instruct all banks that whenever they submit any data stored in their computer systems as evidence under Bankers' B
মে’ 25, 2009
StCBs/CCBs - Exposure to Commercial Real Estate
RBI/2008-09/482 RPCD.CO.RF.BC.No. 109 /07.38.01/2008-09 May 25, 2009 All State / Central Cooperative Banks (StCB/ CCBs) Dear Sir / Madam, Exposure to Commercial Real Estate It has come to our notice that certain State Cooperative and Central Cooperative Banks have extended finance to the commercial real estate sector. We advise that the primary role of the rural cooperative bank is to lend for activities related to agriculture and rural development. Further, taking ex
RBI/2008-09/482 RPCD.CO.RF.BC.No. 109 /07.38.01/2008-09 May 25, 2009 All State / Central Cooperative Banks (StCB/ CCBs) Dear Sir / Madam, Exposure to Commercial Real Estate It has come to our notice that certain State Cooperative and Central Cooperative Banks have extended finance to the commercial real estate sector. We advise that the primary role of the rural cooperative bank is to lend for activities related to agriculture and rural development. Further, taking ex
মে’ 25, 2009
Credit delivery to Micro and Small Enterprises
RBI/2008-09/483 RPCD.SME&NFS.BC.No. 106 /06.02.31(P)/2008-09 May@@NBSP@@ 25, 2009 All Scheduled Commercial Banks (including RRBS & LABs) Dear Sir, Credit delivery to Micro and Small Enterprises Please refer to our circular RPCD.SME&NFS.BC.No.76/06.02.31(P)/2008-09 dated December 16, 2008 on the captioned subject. In this connection, we clarify that the guidelines contained therein pertain only to scheduled commercial banks and not to RRBs and LABs. Yours f
RBI/2008-09/483 RPCD.SME&NFS.BC.No. 106 /06.02.31(P)/2008-09 May@@NBSP@@ 25, 2009 All Scheduled Commercial Banks (including RRBS & LABs) Dear Sir, Credit delivery to Micro and Small Enterprises Please refer to our circular RPCD.SME&NFS.BC.No.76/06.02.31(P)/2008-09 dated December 16, 2008 on the captioned subject. In this connection, we clarify that the guidelines contained therein pertain only to scheduled commercial banks and not to RRBs and LABs. Yours f
মে’ 22, 2009
RRBs - Unclaimed Deposits and Inoperative/Dormant Accounts
RBI/2008-09/481 RPCD.CO.RRB.BC.No.108 /03.05.33/2008-09 May 22, 2009 All Regional Rural Banks Dear Sir, Unclaimed deposits and inoperative / dormant accounts in banks In view of the increase in the amount of the unclaimed deposits with banks year after year and the inherent risk associated with such deposits, it is felt that banks should play a more pro-active role in finding the whereabouts of the account holders whose accounts have remained inoperative. Further, sev
RBI/2008-09/481 RPCD.CO.RRB.BC.No.108 /03.05.33/2008-09 May 22, 2009 All Regional Rural Banks Dear Sir, Unclaimed deposits and inoperative / dormant accounts in banks In view of the increase in the amount of the unclaimed deposits with banks year after year and the inherent risk associated with such deposits, it is felt that banks should play a more pro-active role in finding the whereabouts of the account holders whose accounts have remained inoperative. Further, sev
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