RBI/2024-25/ 08 DOR.CAP.REC.4/21.06.201/2024-25 April 01, 2024 All Scheduled Commercial Banks(Excluding Small Finance Banks, Payments Banks and Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations

RBI/2025-26/06 CO.DGBA.GBD.No.S2/31-12-010/2025-2026 April 1, 2025 All Agency Banks Madam / Dear Sir Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission

RBI/2025-26/05 CO.DGBA.GBD.No.S1/31.02.007/2025-26 April 01, 2025 All Agency Banks Madam/Dear Sir Master Circular - Disbursement of Government Pension by Agency Banks

RBI/2025-26/04 FIDD.CO.LBS.BC.No.03/02.01.001/2025-26 April 01, 2025 The Chairman/Managing Director/Chief Executive Officer SLBC/UTLBC Convenor Banks/Lead Banks Madam/Dear Sir, Master Circular – Lead Bank Scheme The Reserve Bank of India has issued a number of guidelines/ instructions on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines/ instructions issued by Reserve Bank of India on Lead Bank Scheme up to March 31, 2025 as listed in the Appendix I.

RBI/2025-26/03 FIDD.CO.GSSD.BC.No.02/09.09.001/2025-26 April 01, 2025 The Chairman/ Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks) Madam/ Dear Sir, Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

RBI/2025-26/01 FIDD.CO.FID.BC. No.4/12.01.033/2025-26 April 01, 2025 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Madam/ Dear Sir Master Circular on SHG-Bank Linkage Programme The Reserve Bank of India has, from time to time, issued a number of guidelines/instructions to banks on SHG-Bank Linkage Programme. The enclosed Master Circular consolidates the circulars issued by Reserve Bank on the subject up to March 31, 2025, as indicated in the Appendix.

RBI/2024-25/24 DOR.CRE.REC.No.17/21.04.172/2024-25 April 24, 2024 All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)

RBI/2024-25/20 FIDD.GSSD.CO.BC.No.03/09.01.003/2024-25 April 16, 2024 The Chairman/Managing Director & CEOPublic Sector Banks, Private Sector Banks (including Small Finance Banks)

RBI/2024-25/19 FIDD.CO.GSSD.BC.No.04/09.09.001/2024-25 April 16, 2024 The Chairman/ Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks)

RBI/2024-25/13 DOR.STR.REC.9 /21.04.048/2024-25 April 02, 2024 The Chief Executive Officer All Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs

RBI/2023-24/12 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

RBI/2024-25/11 DOR.CRE.REC.No.07/08.12.001/2024-25 April 02, 2024 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance

RBI/2024-25/10 DOR.CRE.REC.No.6/07.10.002/2024-25 April 2, 2024 All Primary (Urban) Co-operative Banks Madam/Dear Sir, Master Circular - Housing Finance for UCBs Please refer to the Master Circular DOR.CRE.REC.No.9/07.10.002/2023-24 dated April 11, 2023 on the captioned subject, consolidating the instructions / guidelines issued to UCBs till April 10, 2023. Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Appendix. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2024-25/09 DOR.CAP.REC.5/09.18.201/2024-25 April 01, 2024 All Primary (Urban) Co-operative Banks Dear Sir / Madam, Master Circular- Prudential Norms on Capital Adequacy - Primary (Urban) Co-operative Banks (UCBs) Please refer to our Master Circular DOR.CAP.REC.11/09.18.201/2023-24 dated April 20, 2023 on the captioned subject. 2. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued up to March 31, 2024 as listed in the Appendix. Yours faithfully (Usha Janakiraman) Chief General Manager Encl: As above

RBI/2024-25/ 08 DOR.CAP.REC.4/21.06.201/2024-25 April 01, 2024 All Scheduled Commercial Banks(Excluding Small Finance Banks, Payments Banks and Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations

RBI/2024-25/xxx
CO.DGBA.GBD.No.xxx/31-12-010/2024-2025 April 1, 2024 All Agency Banks Madam / Dear Sir Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission

RBI/2024-25/03 DOR. STR. REC. 2/13.07.010/2024-25 April 01, 2024 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.5/13.07.010/2023-24 dated April 1, 2023 consolidating the instructions / guidelines issued to banks till March 31, 2023, relating to Guarantees and Co-acceptances. Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Annex 2. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2024-25/04 DoR.STR.REC.3/09.27.000/2024-25 April 01, 2024 The Managing Director/ Chief Executive Officers All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs Please refer to our Master Circular DoR.STR.REC.4/09.27.000/2023-24 dated April 1, 2023 on the captioned subject (available at RBI website https://rbi.org.in/). Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Annex. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2024-25/02 FIDD.CO.LBS.BC.No.01/02.01.001/2024-25 April 01, 2024 The Chairman/ Managing Director/ Chief Executive Officer
SLBC/ UTLBC Convenor Banks / Lead Banks Madam/ Dear Sir, Master Circular – Lead Bank Scheme

RBI/2024-25/06 DGBA.GBD.No.S1/31.02.007/2024-25 April 01, 2024 All Agency Banks Madam/Dear Sir Master Circular - Disbursement of Government Pension by Agency Banks 
Please refer to our Master Circular RBI/2023-24/10 dated April 03, 2023 on the above subject. We have revised and updated the Master Circular which consolidates important instructions on the subject issued by the Reserve Bank of India till March 31, 2024.

RBI/2024-25/01 DoR.HGG.GOV.No.1/18.10.010/2024-25 April 1, 2024 The Managing Director/Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam,

RBI/2024-25/05 FIDD.CO.FID.BC. No.1/12.01.033/2024-25 April 01, 2024 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Madam/ Dear Sir Master Circular on SHG-Bank Linkage Programme

RBI/2023-34/114 DoR.CRE.REC.71/07.10.002/2023-24 January 16, 2024 The Chief Executive Officers All Primary (Urban) Co-operative Banks Madam / Dear Sir,

RBI/2023-24/51 DOR.CRE.REC.No.27/07.10.002/2023-24 July 25, 2023 All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular - Management of Advances - UCBs Please refer to our Mater Circular DOR.CRE.REC.No.17/13.05.000/2022-23 dated April 8, 2022 on the captioned subject. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued till date.

RBI/2023-24/12 DOR.SIG.FIN.REC 8/26.03.001/2023-24 April 03, 2023 All Asset Reconstruction Companies Dear Sir/Madam, Master Circular - Asset Reconstruction Companies In order to have all current instructions/ guidelines on the subject at one place, the Reserve Bank of India issues updated circulars/ guidelines. The instructions contained in The Asset Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003 (vide Notification No. DNBS.2/CGM(CSM)-2003, da

RBI/2016-2017/16 DPSS.CO.PD.PPI.No.01/02.14.006/2016-17 July 01, 2016 All Prepaid Payment Instrument Issuers, System Providers, System Participants and all other Prospective Prepaid Payment Instrument Issuers Madam / Dear Sir, Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India As you are aware, the Reserve Bank of India has, from time to time, issued a number of circulars containing policy guidelines on Issuance and

RBI/2015-16/97 DBR No BP.BC.6/21.04.141/2015-16 July 1, 2015 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks Please refer to the Master Circular No. DBOD.BP.BC.20/21.04.141/2014-15 dated July 1, 2014, containing consolidated instructions/guidelines issued to banks till June 30, 2014, on matters relating to prudential norms for classification,

RBI/2015-16/57FMRD.DIRD. 03 /14.01.003/2015-16 July 1, 2015 All market participants Dear Sir/Madam, Master Circular - Guidelines for Issue of Certificates of Deposit With a view to further widening the range of money market instruments and giving investors greater flexibility in deployment of their short-term surplus funds, Certificates of Deposit (CDs) were introduced in India in 1989. Guidelines for issue of CDs are presently governed by various directives issued by

RBI/2015-16/65 DPSS.CO.PD.Mobile Banking.No.1/02.23.001/2015-16 July 1, 2015 The Chairman and Managing Director / Chief Executive OfficersAll Scheduled Commercial Banks including RRBs /Urban Co-operative Banks / State Co-operative Banks /District Central Co-operative Banks Madam /Dear Sir, Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks As you are aware, the Reserve Bank of India has, from time to time, issued a number of circul

RBI/2015-16/54 Master Circular No.7/2015-16 July 01, 2015 (updated as on October 30, 2015) To, All Category – I Authorised Dealer banks Madam / Sir, Master Circular on Establishment of Liaison / Branch / Project Offices in India by Foreign Entities Establishment of Branch/Liaison/Project Offices in India is regulated in terms of Section 6(6) of Foreign Exchange Management Act, 1999 read with Notification No. FEMA 22/2000-RB dated May 3, 2000 as amended from time to ti

RBI/2014-15/99 IDMD.PCD. 05/14.01.03/2014-15 July 1, 2014 All market participants Dear Sir / Madam, Master Circular - Guidelines for Issue of Certificates of Deposit With a view to further widening the range of money market instruments and giving investors greater flexibility in deployment of their short-term surplus funds, Certificates of Deposit (CDs) were introduced in India in 1989. Guidelines for issue of CDs are presently governed by various directives issued by