Notifications -Regulating Co-operative Banking - আরবিআই - Reserve Bank of India
notifications
মে 12, 2008
UCBs - Settlement of Claims in respect of Missing Persons
RBI/2007-08/317 UBD (PCB) BPD Cir No: 45 /13.01.000/2007-08 May 12, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Settlement of claims in respect of missing persons A query has been raised regarding the system which should be followed by urban co-operative banks (UCBs) in case a claim is received from a nominee / legal heirs for settlement of claim in respect of missing persons. 2. The settlement of claims in respect of
RBI/2007-08/317 UBD (PCB) BPD Cir No: 45 /13.01.000/2007-08 May 12, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Settlement of claims in respect of missing persons A query has been raised regarding the system which should be followed by urban co-operative banks (UCBs) in case a claim is received from a nominee / legal heirs for settlement of claim in respect of missing persons. 2. The settlement of claims in respect of
এপ্রিল 30, 2008
UCBs - Increase in CRR
RBI/2007-2008/307 Ref: UBD (PCB).No./5 /12.03.000/2007-08 April 30,@@NBSP@@ 2008 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI 2007-2008/293 UBD (PCB) Cir. No.4/12.03.000/2007-08 dated April 22, 2008 on the captioned subject.@@NBSP@@ As set out in the Governor's Annual Policy statement for the year 2008
RBI/2007-2008/307 Ref: UBD (PCB).No./5 /12.03.000/2007-08 April 30,@@NBSP@@ 2008 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI 2007-2008/293 UBD (PCB) Cir. No.4/12.03.000/2007-08 dated April 22, 2008 on the captioned subject.@@NBSP@@ As set out in the Governor's Annual Policy statement for the year 2008
এপ্রিল 22, 2008
UCBs - CRR Increased
RBI/2007-2008/293 Ref: UBD (PCB).No./4 /12.03.000/2007-08 April 22, 2008 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI 2007-2008/177 UBD (PCB) Cir. No.3/12.03.000/2007-08 dated November 01, 2007 on the captioned subject. @@NBSP@@On a review of the current liquidity situation, it has been decided to incr
RBI/2007-2008/293 Ref: UBD (PCB).No./4 /12.03.000/2007-08 April 22, 2008 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI 2007-2008/177 UBD (PCB) Cir. No.3/12.03.000/2007-08 dated November 01, 2007 on the captioned subject. @@NBSP@@On a review of the current liquidity situation, it has been decided to incr
এপ্রিল 21, 2008
Professionalisation of Managements of Urban Co-operative Banks
RBI/2007-08/286 UBD.PCB.Cir.No.41 /09.103.01/2007-08 April 21, 2008 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Professionalisation of Managements of Urban Co-operative Banks Please refer to our circular UBD No PCB CIR.POT.39/09.103.01/2001-02 dated April 5, 2002 on the captioned subject. 2. In terms of paragraphs 2 and 3 of the aforesaid circular, all urban co-operative banks were advised to amend their bye-laws to incorpor
RBI/2007-08/286 UBD.PCB.Cir.No.41 /09.103.01/2007-08 April 21, 2008 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Professionalisation of Managements of Urban Co-operative Banks Please refer to our circular UBD No PCB CIR.POT.39/09.103.01/2001-02 dated April 5, 2002 on the captioned subject. 2. In terms of paragraphs 2 and 3 of the aforesaid circular, all urban co-operative banks were advised to amend their bye-laws to incorpor
এপ্রিল 15, 2008
UCBs - Cheque Collection Policy
RBI/2007-2008/281UBD (PCB) BPD Cir No 40/ 09.39.000/ 2007-08April 15, 2008 ToThe Chief Executive Officers ofAll Scheduled Primary (Urban) Co-operative banks Dear Sir, Committee on Procedures and Performance Audit on Public Services (CPPAPS)- Formulating policy for (i) Immediate Credit of local / outstation cheques (ii) Time Frame for Collection of local / outstation cheques and (iii) Interest Payment for delayed collectionAs you are aware, Reserve Bank has been issuin
RBI/2007-2008/281UBD (PCB) BPD Cir No 40/ 09.39.000/ 2007-08April 15, 2008 ToThe Chief Executive Officers ofAll Scheduled Primary (Urban) Co-operative banks Dear Sir, Committee on Procedures and Performance Audit on Public Services (CPPAPS)- Formulating policy for (i) Immediate Credit of local / outstation cheques (ii) Time Frame for Collection of local / outstation cheques and (iii) Interest Payment for delayed collectionAs you are aware, Reserve Bank has been issuin
এপ্রিল 02, 2008
Income recognition, asset classification and provisioning norms-UCBs
RBI/2007-08/273 UBD. PCB.Cir No. 38 / 09.14.000/ 2007-08 April 2, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Income recognition, asset classification and provisioning norms-UCBs Please refer to our circular UBD. PCB. Cir No. 38/ 09.14.000/ 2006-07 dated April 30, 2007 on the above subject wherein inter alia the 180 day loan delinquency norm for NPAs was extended by one year i.e. up to March 31, 2008 for Tier I UCBs.@@NB
RBI/2007-08/273 UBD. PCB.Cir No. 38 / 09.14.000/ 2007-08 April 2, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Income recognition, asset classification and provisioning norms-UCBs Please refer to our circular UBD. PCB. Cir No. 38/ 09.14.000/ 2006-07 dated April 30, 2007 on the above subject wherein inter alia the 180 day loan delinquency norm for NPAs was extended by one year i.e. up to March 31, 2008 for Tier I UCBs.@@NB
মার্চ 12, 2008
Customer charges for use of ATMs for cash withdrawal and balance enquiry - UCBs
RBI/2007-2008/263 UBD. CO. BPD. (PCB) No.36 /12.05.001/2007-08 March 12, 2008 CEOs of All Primary (Urban) Co-operative Banks Dear Sir, Customer charges for use of ATMs for cash withdrawal and balance enquiry - UCBs 1. Automated Teller Machines (ATMs) have gained prominence as a delivery channel for banking transactions in India. Banks have been deploying ATMs to increase their reach. While ATMs facilitate a variety of banking transactions for customers, their main uti
RBI/2007-2008/263 UBD. CO. BPD. (PCB) No.36 /12.05.001/2007-08 March 12, 2008 CEOs of All Primary (Urban) Co-operative Banks Dear Sir, Customer charges for use of ATMs for cash withdrawal and balance enquiry - UCBs 1. Automated Teller Machines (ATMs) have gained prominence as a delivery channel for banking transactions in India. Banks have been deploying ATMs to increase their reach. While ATMs facilitate a variety of banking transactions for customers, their main uti
মার্চ 07, 2008
Classification of UCBs for Regulatory Purposes - Revised Norms
RBI/2007-2008/259UBD (PCB).Cir.No.35 /09.20.001/07-08 March 7, 2008The Chief Executives ofall Primary( Urban) Cooperative BanksDear Sir/Madam,Classification of UCBs for Regulatory Purposes - Revised NormsAs you are aware, banks are being categorized for regulatory purposes as under:(a) Tier I Banks: Unit banks i.e. banks having a single branch / HO with deposits up to Rs. 100 crore and banks having multiple branches within a single district with deposits up to Rs. 100
RBI/2007-2008/259UBD (PCB).Cir.No.35 /09.20.001/07-08 March 7, 2008The Chief Executives ofall Primary( Urban) Cooperative BanksDear Sir/Madam,Classification of UCBs for Regulatory Purposes - Revised NormsAs you are aware, banks are being categorized for regulatory purposes as under:(a) Tier I Banks: Unit banks i.e. banks having a single branch / HO with deposits up to Rs. 100 crore and banks having multiple branches within a single district with deposits up to Rs. 100
মার্চ 03, 2008
Guidelines for Relief Measures by Banks to Poultry Industry (2008)-UCBs
RBI/2007-2008/253 UBD.PCB.Cir.No. 34 /09.14.000/07-08 March 3, 2008. The Chief Executive Officersof All Primary(Urban) Co-operative Banks Dear Sir/MadamGuidelines for Relief Measures by Banks to Poultry Industry (2008)-UCBsAs you are aware, there have been instances of outbreak of Avian Influenza (bird flu) in some areas of the country. Keeping in view the loss of income that has occurred due to culling of birds as well as steep fall in the demand for poultry products
RBI/2007-2008/253 UBD.PCB.Cir.No. 34 /09.14.000/07-08 March 3, 2008. The Chief Executive Officersof All Primary(Urban) Co-operative Banks Dear Sir/MadamGuidelines for Relief Measures by Banks to Poultry Industry (2008)-UCBsAs you are aware, there have been instances of outbreak of Avian Influenza (bird flu) in some areas of the country. Keeping in view the loss of income that has occurred due to culling of birds as well as steep fall in the demand for poultry products
ফেব 29, 2008
UCBs - Advances to Builders / Contractors
RBI/2007-2008/251 UBD. CO. BPD. (PCB). No. 33/13.05.000/2007-08 February 29, 2008 The Chief Executive Officers, All Primary (Urban) Co-operative Banks Dear Sir /Madam,@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@ Advances to Builders / Contractors Please refer to our circular UBD. No. I & L. 67 /J. 1-87/88 dated November 21, 1987 on the captioned subject.@@NB
RBI/2007-2008/251 UBD. CO. BPD. (PCB). No. 33/13.05.000/2007-08 February 29, 2008 The Chief Executive Officers, All Primary (Urban) Co-operative Banks Dear Sir /Madam,@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@@@NBSP@@ Advances to Builders / Contractors Please refer to our circular UBD. No. I & L. 67 /J. 1-87/88 dated November 21, 1987 on the captioned subject.@@NB
ফেব 25, 2008
UCBs - KYC Norms / AMLStandards / Combating of Financing of Terrorism
RBI/2007-2008/247UBD. CO. BPD. (PCB). No.32 /09.39.000/2007-08February 25 , 2008The Chief Executive Officers,All Primary (Urban) Co-operative Banks Dear Sir, Know your Customer (KYC) Norms / Anti-Money Laundering (AML) Standards / Combating of Financing of TerrorismPrimary (Urban) Co-operative Banks (UCBs) have been advised vide our circular UBD. PCB.Cir.30/09.161.00/2004-05 dated December 15, 2004 that the adoption of customer acceptance policy and its implementation
RBI/2007-2008/247UBD. CO. BPD. (PCB). No.32 /09.39.000/2007-08February 25 , 2008The Chief Executive Officers,All Primary (Urban) Co-operative Banks Dear Sir, Know your Customer (KYC) Norms / Anti-Money Laundering (AML) Standards / Combating of Financing of TerrorismPrimary (Urban) Co-operative Banks (UCBs) have been advised vide our circular UBD. PCB.Cir.30/09.161.00/2004-05 dated December 15, 2004 that the adoption of customer acceptance policy and its implementation
জানু 29, 2008
UCBs - Risk Weight for Educational Loans
RBI/2007-2008/231 UBD. PCB.Cir.No. 31 /09.11.600/07-08 January 29, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms for Capital Adequacy – Risk Weight for Educational Loans-UCBs Please refer to our circular UBD.PCB.Cir.33/09.116.00/04-05 dated January 5, 2005 wherein the risk weight on consumer credit including personal loans was increased from 100 percent to 125 percent. At present, 'educational loans' are b
RBI/2007-2008/231 UBD. PCB.Cir.No. 31 /09.11.600/07-08 January 29, 2008 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms for Capital Adequacy – Risk Weight for Educational Loans-UCBs Please refer to our circular UBD.PCB.Cir.33/09.116.00/04-05 dated January 5, 2005 wherein the risk weight on consumer credit including personal loans was increased from 100 percent to 125 percent. At present, 'educational loans' are b
ডিসেম্বর 04, 2007
UCBs - Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons
RBI/2007-2008/204 UBD.CO. BPD.No. 27/12.05.001/2007-08 December 4, 2007 The Chief Executive Officers, All Primary (Urban) Co-operative Banks Dear Sir/Madam Legal Guardianship Certificate issued under the National Trust Act, 1999 empowering the disabled persons with autism, cerebral palsy, mental retardation and multiple disabilities We have been advised by the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabi
RBI/2007-2008/204 UBD.CO. BPD.No. 27/12.05.001/2007-08 December 4, 2007 The Chief Executive Officers, All Primary (Urban) Co-operative Banks Dear Sir/Madam Legal Guardianship Certificate issued under the National Trust Act, 1999 empowering the disabled persons with autism, cerebral palsy, mental retardation and multiple disabilities We have been advised by the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabi
নভেম্বর 30, 2007
Priority Sector Lending -Revision of Target-UCBs
RBI/2007-08/ 198 UBD.PCB.Cir.No.26 /09.09.001/ 2007-08 November 30, 2007 The Chief Executive Officer All Primary (Urban) Co-operative Bank Dear Sir/Madam, Priority Sector Lending -Revision of Target-UCBs @@NBSP@@ Please refer to the revised guidelines on lending to priority sectors, issued vide our circular UBD.PCB.Cir.No.11/09.09.01/ 2007-08 dated August 30, 2007 (available on www.rbi.org.in) @@NBSP@@2. As you may be aware, as per the recommendation of the Standing A
RBI/2007-08/ 198 UBD.PCB.Cir.No.26 /09.09.001/ 2007-08 November 30, 2007 The Chief Executive Officer All Primary (Urban) Co-operative Bank Dear Sir/Madam, Priority Sector Lending -Revision of Target-UCBs @@NBSP@@ Please refer to the revised guidelines on lending to priority sectors, issued vide our circular UBD.PCB.Cir.No.11/09.09.01/ 2007-08 dated August 30, 2007 (available on www.rbi.org.in) @@NBSP@@2. As you may be aware, as per the recommendation of the Standing A
নভেম্বর 26, 2007
Gold Loan Payment-UCBs
RBI/2007/-2008194 UBD.PCB.Cir.No. 22/13.05.000/07-08 November 26, 2007 The Chief Executive Officer of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Gold Loan Payment- UCBs Please refer to paragraphs 2.2.8 and 2.1.3 @@NBSP@@of the Master Circular UBD.PCB.MC.No.10 /09.14.000/2006-07 dated July@@NBSP@@ 4, 2007 on Income Recognition, Asset Classification, Provisioning & Other Related Matters. 2. We have received representations from banks and their federation
RBI/2007/-2008194 UBD.PCB.Cir.No. 22/13.05.000/07-08 November 26, 2007 The Chief Executive Officer of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Gold Loan Payment- UCBs Please refer to paragraphs 2.2.8 and 2.1.3 @@NBSP@@of the Master Circular UBD.PCB.MC.No.10 /09.14.000/2006-07 dated July@@NBSP@@ 4, 2007 on Income Recognition, Asset Classification, Provisioning & Other Related Matters. 2. We have received representations from banks and their federation
নভেম্বর 15, 2007
UCBs - Deposit Schemes with lock-in period
RBI/2007-2008/187UBD (PCB) BPD Cir No: 21 /13.01.000/2007-08November 15, 2007 The Chief Executive Officers ofAll Primary (Urban) Co-operative BanksDear Sir/Madam,Deposit schemes with lock-in periodIt has been brought to notice of the Reserve Bank that some banks are offering special term deposit products to customers, in addition to regular term deposits, ranging from 300 days to five years, with the following features:i. Lock-in periods ranging from 6 to 12 months;ii
RBI/2007-2008/187UBD (PCB) BPD Cir No: 21 /13.01.000/2007-08November 15, 2007 The Chief Executive Officers ofAll Primary (Urban) Co-operative BanksDear Sir/Madam,Deposit schemes with lock-in periodIt has been brought to notice of the Reserve Bank that some banks are offering special term deposit products to customers, in addition to regular term deposits, ranging from 300 days to five years, with the following features:i. Lock-in periods ranging from 6 to 12 months;ii
নভেম্বর 12, 2007
Misuse of banknotes
RBI/2007-2008/183 UBD.CO. BPD. (PCB). No.20 /12.05.001/2007-08 November 12 , 2007 CEOs of All Primary (Urban) Co-operative Banks Dear Sir /Madam, Misuse of banknotes Please refer to the directive issued to all urban co-operative banks under Section 35A of the Banking Regulations Act, 1949(AACS) vide UBD. No. Dir.2/13.01.00/2001-2002 dated January 9, 2002 on stapling of notes packets and misuse of banknotes. 2. It has been brought to the Bank's notice that banks,
RBI/2007-2008/183 UBD.CO. BPD. (PCB). No.20 /12.05.001/2007-08 November 12 , 2007 CEOs of All Primary (Urban) Co-operative Banks Dear Sir /Madam, Misuse of banknotes Please refer to the directive issued to all urban co-operative banks under Section 35A of the Banking Regulations Act, 1949(AACS) vide UBD. No. Dir.2/13.01.00/2001-2002 dated January 9, 2002 on stapling of notes packets and misuse of banknotes. 2. It has been brought to the Bank's notice that banks,
নভেম্বর 01, 2007
UCBs - Maintenance of CRR
RBI/2007-2008/177@@NBSP@@ Ref: UBD (PCB).No./ 3 /12.03.000/2007-08 November 01, 2007 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI/2007-08/110 UBD (PCB) Cir. No/9./12.03.000/2007-08 dated July 31, 2007 on the captioned subject. On a review of the current liquidity situation, it has been decided to incre
RBI/2007-2008/177@@NBSP@@ Ref: UBD (PCB).No./ 3 /12.03.000/2007-08 November 01, 2007 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative Banks Dear Sir, Section 42(1) of Reserve Bank of India Act, 1934- Maintenance of Cash Reserve Ratio (CRR) Please refer to our Circular RBI/2007-08/110 UBD (PCB) Cir. No/9./12.03.000/2007-08 dated July 31, 2007 on the captioned subject. On a review of the current liquidity situation, it has been decided to incre
সেপ্টেম্বর 20, 2007
Treatment of deposits with DCCB/SCBs as SLR
RBI/2007-2008/142 UBD.CO. BPD. (PCB). No. 17/12.05.001/2007-08 September 20, 2007 CEOs of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Treatment of deposits with DCCB/SCBs as SLR Please refer to the provisions of Section 24 of Banking Regulation Act, 1949 (AACS) in terms of which the deposits placed by UCBs with the higher financing agencies in the cooperative sector, viz. DCCBs / SCBs would be reckoned as SLR assets to the extent that they were not e
RBI/2007-2008/142 UBD.CO. BPD. (PCB). No. 17/12.05.001/2007-08 September 20, 2007 CEOs of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Treatment of deposits with DCCB/SCBs as SLR Please refer to the provisions of Section 24 of Banking Regulation Act, 1949 (AACS) in terms of which the deposits placed by UCBs with the higher financing agencies in the cooperative sector, viz. DCCBs / SCBs would be reckoned as SLR assets to the extent that they were not e
সেপ্টেম্বর 18, 2007
Investments in Non-SLR Securities by UCBs
RBI/2007-08/139 UBD (PCB) BPD Cir No: 14 /16.20.000/2007-08 September 18, 2007 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investments in Non-SLR securities by primary (urban) cooperative banks Please refer to our circular UBD BPD PCB Cir 45/16.20.00/2003-04 dated April 15, 2004 on the captioned subject, in terms of which UCBs are permitted to invest in certain instruments, within an overall ceiling of 10% of their deposits a
RBI/2007-08/139 UBD (PCB) BPD Cir No: 14 /16.20.000/2007-08 September 18, 2007 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investments in Non-SLR securities by primary (urban) cooperative banks Please refer to our circular UBD BPD PCB Cir 45/16.20.00/2003-04 dated April 15, 2004 on the captioned subject, in terms of which UCBs are permitted to invest in certain instruments, within an overall ceiling of 10% of their deposits a
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