Prudential Norms on Unsecured Advances

RBI/2008-09/434 DBOD.No.BP.BC. 125@@NBSP@@ /21.04.048/2008-09 April 17, 2009 @@NBSP@@ The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) @@NBSP@@ Dear Sir @@NBSP@@ Prudential Norms on Unsecured Advances @@NBSP@@ Please refer to paragraph 5.4 of the Master Circular DBOD.No.BP.BC. 20/21.04.048/2008-09 dated July 1, 2008, on prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to

RBI/2008-09/434 DBOD.No.BP.BC. 125@@NBSP@@ /21.04.048/2008-09 April 17, 2009 @@NBSP@@ The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) @@NBSP@@ Dear Sir @@NBSP@@ Prudential Norms on Unsecured Advances @@NBSP@@ Please refer to paragraph 5.4 of the Master Circular DBOD.No.BP.BC. 20/21.04.048/2008-09 dated July 1, 2008, on prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to

Prudential Norms on Unsecured Advances

RTGS Transactions

RBI/2008/09/426 DPSS (CO) RTGS No. 1776 / 04.04.002 / 2008 - 2009 April 8, 2009 Chairman and Managing Director / Chief Executive Officer of all banks participating in RTGS @@NBSP@@ Dear Sir, RTGS Transactions @@NBSP@@ The volume of RTGS transactions is increasing rapidly. RTGS settled 1.94 million transactions in the month of March 2009 as against 0.72 million transactions in March 2008. Customer transactions settling in RTGS presently constitute 89 percent of total R

RBI/2008/09/426 DPSS (CO) RTGS No. 1776 / 04.04.002 / 2008 - 2009 April 8, 2009 Chairman and Managing Director / Chief Executive Officer of all banks participating in RTGS @@NBSP@@ Dear Sir, RTGS Transactions @@NBSP@@ The volume of RTGS transactions is increasing rapidly. RTGS settled 1.94 million transactions in the month of March 2009 as against 0.72 million transactions in March 2008. Customer transactions settling in RTGS presently constitute 89 percent of total R

RTGS Transactions

Prudential treatment of different types of Provisions in respect of loan portfolios

RBI 2008-09/418 DBOD.No.BP.BC. 118@@NBSP@@ /21.04.048/2008-09 March 25, 2009 @@NBSP@@ The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) @@NBSP@@ Dear Sir @@NBSP@@ Prudential treatment of different types of Provisions in respect of loan portfolios @@NBSP@@ It has been decided to lay down the following guidelines in regard to the prudential treatment of different types of provisions in respect of loans portfolios.

RBI 2008-09/418 DBOD.No.BP.BC. 118@@NBSP@@ /21.04.048/2008-09 March 25, 2009 @@NBSP@@ The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) @@NBSP@@ Dear Sir @@NBSP@@ Prudential treatment of different types of Provisions in respect of loan portfolios @@NBSP@@ It has been decided to lay down the following guidelines in regard to the prudential treatment of different types of provisions in respect of loans portfolios.

Prudential treatment of different types of Provisions in respect of loan portfolios

Special Measures for Annual Closing of Government Accounts

TOP PRIORITY RBI/2008-09/416 DGBA.GAD.No.H- 8293 /42.01.029/2008-09 March 24, 2009 @@NBSP@@ The Chairman & Managing Director / Managing Director State Bank of India and its Associate Banks / All Public Sector Banks / IDBI Bank / HDFC Bank Ltd. / ICICI Bank Ltd. / Axis Bank Ltd. / Jammu & Kashmir Bank Ltd. @@NBSP@@ Dear Sir, @@NBSP@@ Annual Closing of Government Accounts - Transactions of Central/State Governments - Special Measures for the Current Financial Ye

TOP PRIORITY RBI/2008-09/416 DGBA.GAD.No.H- 8293 /42.01.029/2008-09 March 24, 2009 @@NBSP@@ The Chairman & Managing Director / Managing Director State Bank of India and its Associate Banks / All Public Sector Banks / IDBI Bank / HDFC Bank Ltd. / ICICI Bank Ltd. / Axis Bank Ltd. / Jammu & Kashmir Bank Ltd. @@NBSP@@ Dear Sir, @@NBSP@@ Annual Closing of Government Accounts - Transactions of Central/State Governments - Special Measures for the Current Financial Ye

Special Measures for Annual Closing of Government Accounts

Repayment of 8 % Savings (Taxable) Bonds, 2003

RBI No. 2008-2009/417 Ref DGBA.CDD No. H- @@NBSP@@8217 / 13.04.137 / 2008 - 09 @@NBSP@@ March@@NBSP@@ 24, 2009 Chaitra @@NBSP@@03, 1931 (Saka) @@NBSP@@ The General Manager State Bank of India and Associate Banks and 17 Nationalised Banks Axis Bank Ltd / ICICI Bank Ltd / IDBI Bank Ltd / HDFC Bank Ltd & Stock Holding Corporation of India Ltd @@NBSP@@ Dear Sir, @@NBSP@@ Repayment of 8 % Savings (Taxable) Bonds, 2003 @@NBSP@@ Please refer to our Loan Circular CO.DT. 1

RBI No. 2008-2009/417 Ref DGBA.CDD No. H- @@NBSP@@8217 / 13.04.137 / 2008 - 09 @@NBSP@@ March@@NBSP@@ 24, 2009 Chaitra @@NBSP@@03, 1931 (Saka) @@NBSP@@ The General Manager State Bank of India and Associate Banks and 17 Nationalised Banks Axis Bank Ltd / ICICI Bank Ltd / IDBI Bank Ltd / HDFC Bank Ltd & Stock Holding Corporation of India Ltd @@NBSP@@ Dear Sir, @@NBSP@@ Repayment of 8 % Savings (Taxable) Bonds, 2003 @@NBSP@@ Please refer to our Loan Circular CO.DT. 1

Repayment of 8 % Savings (Taxable) Bonds, 2003

Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy

RBI/2008-09/413 RPCD.CO.RRB.BC.No.92 /03.05.072/2008-09 March 23, 2009 @@NBSP@@ All Regional Rural Banks @@NBSP@@ Dear Sir, @@NBSP@@ Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy @@NBSP@@ Please refer to our circulars RPCD.CO.RRB.No. BC 18/03.05.072/2008-09 dated July 30, 2008 and RPCD. CO.RRB.BC.No.64/03.05.072/2008-09 dated November 17, 2008 on the captioned sub

RBI/2008-09/413 RPCD.CO.RRB.BC.No.92 /03.05.072/2008-09 March 23, 2009 @@NBSP@@ All Regional Rural Banks @@NBSP@@ Dear Sir, @@NBSP@@ Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy @@NBSP@@ Please refer to our circulars RPCD.CO.RRB.No. BC 18/03.05.072/2008-09 dated July 30, 2008 and RPCD. CO.RRB.BC.No.64/03.05.072/2008-09 dated November 17, 2008 on the captioned sub

Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy

Inclusion in the Second Schedule to the Reserve Bank of India Act, 1934-UBS AG.

RBI/2008-09/410 DBOD. Ret. BC.115/12.01.001/2008-09 March 13, 2009 @@NBSP@@ All Scheduled Commercial Banks @@NBSP@@ @@NBSP@@ Dear Sir, @@NBSP@@ Inclusion in the Second Schedule to the Reserve Bank of India Act, 1934-UBS AG. @@NBSP@@ We advise that the name of “UBS AG” has been included in the Second Schedule to the Reserve Bank of India Act, 1934 by notification DBOD IBD. No. 13064/23.13.062/2008-09 dated February 6, 2009 published in the Gazette of India (Part III –S

RBI/2008-09/410 DBOD. Ret. BC.115/12.01.001/2008-09 March 13, 2009 @@NBSP@@ All Scheduled Commercial Banks @@NBSP@@ @@NBSP@@ Dear Sir, @@NBSP@@ Inclusion in the Second Schedule to the Reserve Bank of India Act, 1934-UBS AG. @@NBSP@@ We advise that the name of “UBS AG” has been included in the Second Schedule to the Reserve Bank of India Act, 1934 by notification DBOD IBD. No. 13064/23.13.062/2008-09 dated February 6, 2009 published in the Gazette of India (Part III –S

Inclusion in the Second Schedule to the Reserve Bank of India Act, 1934-UBS AG.

Banking Companies (Nomination) Rules, 1985 - Acknowledgement of Nomination and indicating the Name of the Nominee in Pass Books / Fixed Deposit Receipts

RBI / 2008-09/ 406 DBOD.No.Leg.BC.114 /09.07.005/2008-09 March 9, 2009 All Scheduled Commercial Banks (Excluding RRBs) @@NBSP@@ Dear Sir, @@NBSP@@ Banking Companies (Nomination) Rules, 1985 – Acknowledgement of Nomination and indicating the Name of the Nominee in Pass Books / Fixed Deposit Receipts @@NBSP@@ It has been brought to our notice that some banks do not have the system of acknowledging the receipt of the duly completed form of nomination, cancellation and /o

RBI / 2008-09/ 406 DBOD.No.Leg.BC.114 /09.07.005/2008-09 March 9, 2009 All Scheduled Commercial Banks (Excluding RRBs) @@NBSP@@ Dear Sir, @@NBSP@@ Banking Companies (Nomination) Rules, 1985 – Acknowledgement of Nomination and indicating the Name of the Nominee in Pass Books / Fixed Deposit Receipts @@NBSP@@ It has been brought to our notice that some banks do not have the system of acknowledging the receipt of the duly completed form of nomination, cancellation and /o

Banking Companies (Nomination) Rules, 1985 - Acknowledgement of Nomination and indicating the Name of the Nominee in Pass Books / Fixed Deposit Receipts

Standing Liquidity Facilities for Banks and Primary Dealers

RBI/2008-09/400 REF.No.MPD.BC. 319 /07.01.279/2008-09 March 4, 2009 @@NBSP@@ To All Scheduled Banks [excluding Regional Rural Banks ] and Primary Dealers @@NBSP@@ Dear Sir/Madam, @@NBSP@@ Standing Liquidity Facilities for Banks and Primary Dealers @@NBSP@@ Please refer to the Reserve Bank’s Press Release: 2008-2009/1432 dated March 4, 2009, in terms of which the fixed repo rate under the Liquidity Adjustment Facility (LAF) has been reduced by 50 basis points from 5.5

RBI/2008-09/400 REF.No.MPD.BC. 319 /07.01.279/2008-09 March 4, 2009 @@NBSP@@ To All Scheduled Banks [excluding Regional Rural Banks ] and Primary Dealers @@NBSP@@ Dear Sir/Madam, @@NBSP@@ Standing Liquidity Facilities for Banks and Primary Dealers @@NBSP@@ Please refer to the Reserve Bank’s Press Release: 2008-2009/1432 dated March 4, 2009, in terms of which the fixed repo rate under the Liquidity Adjustment Facility (LAF) has been reduced by 50 basis points from 5.5

Standing Liquidity Facilities for Banks and Primary Dealers

Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 - State Bank of Saurashtra

RBI/2008-09/398 Ref: DBOD. No. Ret. BC. 111/12.06.007 /2008-09 March 03, 2009 @@NBSP@@ All Scheduled Commercial Banks @@NBSP@@ Dear Sir, @@NBSP@@ Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 – State Bank of Saurashtra @@NBSP@@ We advise that the name of "State Bank of Saurashtra" has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 by notification DBOD. No. Ret. BC. 49/12.06.007/2008-09 dated October 16, 2008,

RBI/2008-09/398 Ref: DBOD. No. Ret. BC. 111/12.06.007 /2008-09 March 03, 2009 @@NBSP@@ All Scheduled Commercial Banks @@NBSP@@ Dear Sir, @@NBSP@@ Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 – State Bank of Saurashtra @@NBSP@@ We advise that the name of "State Bank of Saurashtra" has been excluded from the Second Schedule to the Reserve Bank of India Act, 1934 by notification DBOD. No. Ret. BC. 49/12.06.007/2008-09 dated October 16, 2008,

Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 - State Bank of Saurashtra