Master Circulars - ربی - Reserve Bank of India
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Master Circulars
فروری 27, 2001
Payment of Balance in Account of the Deceased Customers to Legal Survivors / Claimants
RPCD.CO.No.RF.BC.59/07.28.01/2000-2001 February 27, 2001 All State and Central Co-operative Banks /Regional Rural Banks Dear Sir, Payment of Balance in Account of the Deceased Customers to Legal Survivors / Claimants Please refer to our circular No.RF.BC.09/07.38.01/2000-2001 dated 22 August 2000. 2. In this connection, we clarify that in regard to payment of balances in the accounts of the deceased customers to survivors / claimants the banks may call for succession
RPCD.CO.No.RF.BC.59/07.28.01/2000-2001 February 27, 2001 All State and Central Co-operative Banks /Regional Rural Banks Dear Sir, Payment of Balance in Account of the Deceased Customers to Legal Survivors / Claimants Please refer to our circular No.RF.BC.09/07.38.01/2000-2001 dated 22 August 2000. 2. In this connection, we clarify that in regard to payment of balances in the accounts of the deceased customers to survivors / claimants the banks may call for succession
پی ڈی ایف (
اگست 22, 2000
Payment of Balance in Accounts of the Deceased Customers to Survivors / Claimants
RPCD.CO.No.RF.BC.09/07.38.01/2000-2001 August 22, 2000 The Chairman ofAll State and Central Co-operative Banksand Regional Rural banks Dear Sir, Payment of Balance in Accounts of the Deceased Customers to Survivors / Claimants Please refer to our circular RPCD.No.BC.89/07.38.01/94-95 dated 21 December 1994 on the above subject, wherein banks were permitted to fix a limit higher than Rs.25,000/- if they consider it appropriate to settle the claims of survivors / claima
RPCD.CO.No.RF.BC.09/07.38.01/2000-2001 August 22, 2000 The Chairman ofAll State and Central Co-operative Banksand Regional Rural banks Dear Sir, Payment of Balance in Accounts of the Deceased Customers to Survivors / Claimants Please refer to our circular RPCD.No.BC.89/07.38.01/94-95 dated 21 December 1994 on the above subject, wherein banks were permitted to fix a limit higher than Rs.25,000/- if they consider it appropriate to settle the claims of survivors / claima
فروری 25, 1999
Operation of Bank Accounts by Old/Sick/Incapacitated Customers
RPCD.No.RF.BC.71/07.38.01/98-99 February 25, 1999 All State and Central Co-operative Banks Dear Sir, Operation of Bank Accounts by Old/Sick/Incapacitated Customers The question of extending a suitable facility to old/sick/incapacitated bank customers for operation of their bank accounts etc. has been engaging our attention for some time. It has been decided to extend certain facilities to account holders who are sick/old/incapacitated and who are not willing to open a
RPCD.No.RF.BC.71/07.38.01/98-99 February 25, 1999 All State and Central Co-operative Banks Dear Sir, Operation of Bank Accounts by Old/Sick/Incapacitated Customers The question of extending a suitable facility to old/sick/incapacitated bank customers for operation of their bank accounts etc. has been engaging our attention for some time. It has been decided to extend certain facilities to account holders who are sick/old/incapacitated and who are not willing to open a
دسمبر 31, 1998
Gold Loan
DBOD.No.IBS.1519/23.67.001/98-99 December 31, 1998 All the nominated banks authorised to import Gold / Silver / Platinum Dear Sir, Gold Loan Please refer to circular A.D.(G.P. Series) Circular No.7 dated March 6, 1998 permitting the nominated agencies / banks to import gold on loan basis for a maximum period of 180 days. With a view to mobilising and recycling the gold stocks available in the country, the banks were also recently advised to formulate the Gold Deposit
DBOD.No.IBS.1519/23.67.001/98-99 December 31, 1998 All the nominated banks authorised to import Gold / Silver / Platinum Dear Sir, Gold Loan Please refer to circular A.D.(G.P. Series) Circular No.7 dated March 6, 1998 permitting the nominated agencies / banks to import gold on loan basis for a maximum period of 180 days. With a view to mobilising and recycling the gold stocks available in the country, the banks were also recently advised to formulate the Gold Deposit
مارچ 05, 1997
Interest Rates on Deposits
RPCD.No.DIR.BC.110/07.38.01/96-97 March 5, 1997 All State/Central Co-operative Banks Dear Sir, Interest Rates on Deposits It has been brought to our notice that some banks, while soliciting deposits from the public, have resorted to highlighting only the compounded yield on term deposits without indicating the actual rate of simple interest offered by the bank for the particular period of the deposits. As this is likely to mislead the customers, the banks should in an
RPCD.No.DIR.BC.110/07.38.01/96-97 March 5, 1997 All State/Central Co-operative Banks Dear Sir, Interest Rates on Deposits It has been brought to our notice that some banks, while soliciting deposits from the public, have resorted to highlighting only the compounded yield on term deposits without indicating the actual rate of simple interest offered by the bank for the particular period of the deposits. As this is likely to mislead the customers, the banks should in an
ستمبر 10, 1996
Operation of Safe Deposits Lockers by Customers
RPCD.No.BC.36/07.38.01/96-97 September 10, 1996 The Chief Executive of all State and Central Co-operative Banks Dear Sir, Operation of Safe Deposits Lockers by Customers In an incident which occurred in the recent past, a customer was confined in a locker room of a commercial bank for 72 hours from the Saturday afternoon until Tuesday morning (Monday being a holiday) when the bank was re-opened for business. While no doubt, such instances occur due to non-adherence to
RPCD.No.BC.36/07.38.01/96-97 September 10, 1996 The Chief Executive of all State and Central Co-operative Banks Dear Sir, Operation of Safe Deposits Lockers by Customers In an incident which occurred in the recent past, a customer was confined in a locker room of a commercial bank for 72 hours from the Saturday afternoon until Tuesday morning (Monday being a holiday) when the bank was re-opened for business. While no doubt, such instances occur due to non-adherence to
اپریل 06, 1994
Committee on Customer Service in Banks - Implementation of Recommendations of the Goiporia Committee
RPCD.No.BC.126/07.38.01/93-94 April 6, 1994 All State Co-operative Banks Central Co-operative Banks Dear Sir, Committee on Customer Service in Banks - Implementation of Recommendations of the Goiporia Committee Please refer to our circular RPCD.No.111/07.38.01/92-93 dated 12th May 1993 in terms of which we have advised banks to implement certain recommendations of the Goiporia Committee on Customer Service in Banks and submit a progress report to our concerned Regiona
RPCD.No.BC.126/07.38.01/93-94 April 6, 1994 All State Co-operative Banks Central Co-operative Banks Dear Sir, Committee on Customer Service in Banks - Implementation of Recommendations of the Goiporia Committee Please refer to our circular RPCD.No.111/07.38.01/92-93 dated 12th May 1993 in terms of which we have advised banks to implement certain recommendations of the Goiporia Committee on Customer Service in Banks and submit a progress report to our concerned Regiona
جنوری 01, 1994
Customer Service - Immediate Credit of Local Cheques
RPCD.No.BC.80/07.38.01/93-94 January 1, 1994 All State/Central Co-operative Banks Dear Sir, Customer Service - Immediate Credit of Local Cheques It has been decided that banks may afford immediate credit for all local cheques upto Rs. 5,000/- irrespective of the category or status of the drawers of the cheques provided they are satisfied about proper conduct of the accounts and the customers desire the facility, and subject to recovering a charge of Rs. 5/- per cheque
RPCD.No.BC.80/07.38.01/93-94 January 1, 1994 All State/Central Co-operative Banks Dear Sir, Customer Service - Immediate Credit of Local Cheques It has been decided that banks may afford immediate credit for all local cheques upto Rs. 5,000/- irrespective of the category or status of the drawers of the cheques provided they are satisfied about proper conduct of the accounts and the customers desire the facility, and subject to recovering a charge of Rs. 5/- per cheque
ستمبر 10, 1993
Delay in Crediting the Proceeds of Outstanding Instruments - Rate of interest
RPCD.No.BC.35/07.38.01/93-94 September 10, 1993 All State Co-operative Banks/ Central Co-operative Banks Dear Sir, Delay in Crediting the Proceeds of Outstanding Instruments - Rate of interest Please refer to our circular RPCD.No.BC.110/07.38.01/92-93 dated 11 May 1993, wherein we had advised the banks to pay interest at 2 per cent above the savings bank rate in case of delayed collection of instruments like cheques/drafts (bills etc., beyond, the stipulated period. I
RPCD.No.BC.35/07.38.01/93-94 September 10, 1993 All State Co-operative Banks/ Central Co-operative Banks Dear Sir, Delay in Crediting the Proceeds of Outstanding Instruments - Rate of interest Please refer to our circular RPCD.No.BC.110/07.38.01/92-93 dated 11 May 1993, wherein we had advised the banks to pay interest at 2 per cent above the savings bank rate in case of delayed collection of instruments like cheques/drafts (bills etc., beyond, the stipulated period. I
مئی 12, 1993
Customer Service
RPCD.No.DC.111/07.38.01-92/93 May 12, 1993 All State/Central Co-operative Banks Dear Sir, Customer Service Please refer to our circular RPCD.No.BC.110/07.38.01-92/93 dated 11 May 1993 in terms of which we have advised you to implement some of the recommendations made by the Committee set up by RBI under the Chairmanship of Shri M. N. Goiporia. 2. The RBI have carefully examined the various other recommendations of the Committee and it has been decided that State/Centr
RPCD.No.DC.111/07.38.01-92/93 May 12, 1993 All State/Central Co-operative Banks Dear Sir, Customer Service Please refer to our circular RPCD.No.BC.110/07.38.01-92/93 dated 11 May 1993 in terms of which we have advised you to implement some of the recommendations made by the Committee set up by RBI under the Chairmanship of Shri M. N. Goiporia. 2. The RBI have carefully examined the various other recommendations of the Committee and it has been decided that State/Centr
مئی 11, 1993
Customer Service - Implementation of Recommendations of the Goiporia Committee
RPCD.No.BC.110/07.38.01-92/93 May 11, 1993 All State and Central Co-operative Banks Dear Sir, Customer Service - Implementation of Recommendations of the Goiporia Committee As you are aware a committee under the Chairmanship of Shri M. N. Goiporia was set up in September 1990 to make suitable recommendations for improvement in the customer service in banks. Based on the recommendations of the committee it has been decided that State Co-operative Banks/District Central
RPCD.No.BC.110/07.38.01-92/93 May 11, 1993 All State and Central Co-operative Banks Dear Sir, Customer Service - Implementation of Recommendations of the Goiporia Committee As you are aware a committee under the Chairmanship of Shri M. N. Goiporia was set up in September 1990 to make suitable recommendations for improvement in the customer service in banks. Based on the recommendations of the committee it has been decided that State Co-operative Banks/District Central
اپریل 21, 1992
Interest Rates on Deposits
RPCD.No.RF.DIR.BC.114/D.1-91/92 April 21, 1992 All State and Central Co-operative Banks Dear Sir, Interest Rates on Deposits Please refer to our circular RPCD.No.RF.DIR.BC.46/D.1-91/92 dated 9 October 1991. At present, fixed rates of interest are prescribed for term deposits for three maturity periods in the range of 11.0 per cent per annum to 13.0 per cent per annum. As a step towards further rationalisation of deposit rates, the number of rates prescribed is being r
RPCD.No.RF.DIR.BC.114/D.1-91/92 April 21, 1992 All State and Central Co-operative Banks Dear Sir, Interest Rates on Deposits Please refer to our circular RPCD.No.RF.DIR.BC.46/D.1-91/92 dated 9 October 1991. At present, fixed rates of interest are prescribed for term deposits for three maturity periods in the range of 11.0 per cent per annum to 13.0 per cent per annum. As a step towards further rationalisation of deposit rates, the number of rates prescribed is being r
ستمبر 08, 1989
Opening of Bank Accounts in the Names of Minors with Mothers as Guardians
DBOD.No.Leg.BC.19/C.90(H)-89 September 8, 1989 The Chairmen & Managing Directors of all Commercial Banks Opening of Bank Accounts in the Names of Minors with Mothers as Guardians Please refer to our circular DBOD.No.Leg.BC.158/C.90(H)-76 dated 29 December, 1976, inter alia, advising banks to allow opening of minors’ accounts (fixed and savings only) with mothers as guardians. We have now examined a request to extend the facility of allowing opening of minors' acco
DBOD.No.Leg.BC.19/C.90(H)-89 September 8, 1989 The Chairmen & Managing Directors of all Commercial Banks Opening of Bank Accounts in the Names of Minors with Mothers as Guardians Please refer to our circular DBOD.No.Leg.BC.158/C.90(H)-76 dated 29 December, 1976, inter alia, advising banks to allow opening of minors’ accounts (fixed and savings only) with mothers as guardians. We have now examined a request to extend the facility of allowing opening of minors' acco
مئی 26, 1988
Payment of Balance in the Accounts of Deceased Customers to Survivors/Claimants and Nomination Facilities
RPCD.No.RF.BC.110/D.1-87/98 May 26, 1988 All State and Central Co-operative Banks and Regional Rural Banks. Dear Sir, Payment of Balance in the Accounts of Deceased Customers to Survivors/Claimants and Nomination Facilities At present, banks have prescribed different limit, within which the appropriate authorities of banks can pay the balance outstanding to the credit in the accounts of deceased customers to the heirs/survivors without insisting on production of legal
RPCD.No.RF.BC.110/D.1-87/98 May 26, 1988 All State and Central Co-operative Banks and Regional Rural Banks. Dear Sir, Payment of Balance in the Accounts of Deceased Customers to Survivors/Claimants and Nomination Facilities At present, banks have prescribed different limit, within which the appropriate authorities of banks can pay the balance outstanding to the credit in the accounts of deceased customers to the heirs/survivors without insisting on production of legal
دسمبر 29, 1976
Opening of Bank Accounts in the Names of Minors with Mothers as Guardians
DBOD.No.Leg.BC.158/C.90(H)-76 29 December, 1976 All Commercial Banks Dear Sirs, Opening of Bank Accounts in the Names of Minors with Mothers as Guardians It has been brought to our notice that considerable difficulty is being experienced by women customers in opening bank accounts in the names of minors, with mothers as their guardians. Presumably, the banks are reluctant to accept the mother as a guardian of a minor, while father is alive in view of section 6 of the
DBOD.No.Leg.BC.158/C.90(H)-76 29 December, 1976 All Commercial Banks Dear Sirs, Opening of Bank Accounts in the Names of Minors with Mothers as Guardians It has been brought to our notice that considerable difficulty is being experienced by women customers in opening bank accounts in the names of minors, with mothers as their guardians. Presumably, the banks are reluctant to accept the mother as a guardian of a minor, while father is alive in view of section 6 of the
مئی 12, 2023
Master Circular - Basel III Capital Regulations
RBI/2023-24/31 DOR.CAP.REC.15/21.06.201/2023-24 May 12, 2023 All Scheduled Commercial Banks(Excluding Small Finance Banks, Payments Banksand Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations Please refer to the Master Circular No. DOR.CAP.REC.3/21.06.201/2022-23 dated April 1, 2022, consolidating therein the prudential guidelines on Basel III capital adequacy issued to banks till that date. 2. The instructions contained in the afo
RBI/2023-24/31 DOR.CAP.REC.15/21.06.201/2023-24 May 12, 2023 All Scheduled Commercial Banks(Excluding Small Finance Banks, Payments Banksand Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations Please refer to the Master Circular No. DOR.CAP.REC.3/21.06.201/2022-23 dated April 1, 2022, consolidating therein the prudential guidelines on Basel III capital adequacy issued to banks till that date. 2. The instructions contained in the afo
اپریل 03, 2023
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)
RBI/2023-24/09 DOR.CRE.REC.No.07/21.04.172/2023-24 April 03, 2023 All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) Please refer to our Master Circular DOR.CRE.REC.No.07/21.04.172/2022-23 dated April 01, 2022 on the captioned subject. This Master Circular consolidates instructions on the above matter issued up to March 31, 2023. Yours faithfully, (Manoranjan Mishra) Chief General
RBI/2023-24/09 DOR.CRE.REC.No.07/21.04.172/2023-24 April 03, 2023 All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) Please refer to our Master Circular DOR.CRE.REC.No.07/21.04.172/2022-23 dated April 01, 2022 on the captioned subject. This Master Circular consolidates instructions on the above matter issued up to March 31, 2023. Yours faithfully, (Manoranjan Mishra) Chief General
اپریل 03, 2023
Master Circular - Housing Finance
RBI/2023-24/08DOR.CRE.REC.No.06/08.12.001/2023-24 April 03, 2023 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance Please refer to the Master Circular DOR.CRE.REC.No.06/08.12.001/2022-23 dated April 01, 2022 consolidating the instructions / guidelines issued to banks till March 31, 2022. relating to Housing Finance. This Master Circular consolidates instructions on the above matter issued up to March 31, 2023. Yours fait
RBI/2023-24/08DOR.CRE.REC.No.06/08.12.001/2023-24 April 03, 2023 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance Please refer to the Master Circular DOR.CRE.REC.No.06/08.12.001/2022-23 dated April 01, 2022 consolidating the instructions / guidelines issued to banks till March 31, 2022. relating to Housing Finance. This Master Circular consolidates instructions on the above matter issued up to March 31, 2023. Yours fait
اپریل 01, 2023
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances
RBI/2023-24/06 DOR.STR.REC.3/21.04.048/2023-24 April 1, 2023 All Commercial Banks (excluding RRBs) Madam/Dear Sir Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances Please refer to the Master Circular DOR.STR.REC.4/21.04.048/2022-23 dated April 1, 2022 consolidating instructions / guidelines issued to banks till March 31, 2022 on matters relating to prudential norms on income recognition, asset classi
RBI/2023-24/06 DOR.STR.REC.3/21.04.048/2023-24 April 1, 2023 All Commercial Banks (excluding RRBs) Madam/Dear Sir Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances Please refer to the Master Circular DOR.STR.REC.4/21.04.048/2022-23 dated April 1, 2022 consolidating instructions / guidelines issued to banks till March 31, 2022 on matters relating to prudential norms on income recognition, asset classi
اپریل 01, 2023
Master Circular - Guarantees and Co-acceptances
RBI/2023-24/04 DOR.STR.REC.5/13.07.010/2023-24 April 1, 2023 All Scheduled Commercial Banks (excluding Payments Banks and RRBs) Dear Sir / Madam Master Circular - Guarantees and Co-acceptances Please refer to the Master Circular DOR.STR.REC.8/13.07.010/2022-23 dated April 1, 2022 consolidating the instructions / guidelines issued to banks till March 31, 2022, relating to Guarantees and Co-acceptances. This Master Circular consolidates the instructions on the above mat
RBI/2023-24/04 DOR.STR.REC.5/13.07.010/2023-24 April 1, 2023 All Scheduled Commercial Banks (excluding Payments Banks and RRBs) Dear Sir / Madam Master Circular - Guarantees and Co-acceptances Please refer to the Master Circular DOR.STR.REC.8/13.07.010/2022-23 dated April 1, 2022 consolidating the instructions / guidelines issued to banks till March 31, 2022, relating to Guarantees and Co-acceptances. This Master Circular consolidates the instructions on the above mat
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