RBI/2024-25/31 DOR.ORG.REC.21/14.10.001/2024-25 April 30, 2024 1. Purpose 1.1 Operational Risk is inherent in all banking/ financial products, services, activities, processes, and systems. Effective management of Operational Risk is an integral part of the Regulated Entities’ (REs) risk management framework. Sound Management of Operational Risk shows the overall effectiveness of the Board of Directors and Senior Management in administering the RE’s portfolio of products, services, activities, processes, and systems. 

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/2024-25/14 DOR.RET.REC.10/12.07.160/2024-25 April 05, 2024 All Commercial and Co-operative Banks Madam / Dear Sir,

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/2024-25/02 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/ 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/2024-25/06 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/2023-24/129 DoS. CO.ARG/SEC.11/08.91.001/2023-24 March 01, 2024 The Chairman / Managing Director / Chief Executive Officer, All Commercial Banks (Excluding RRBs) ll Primary (Urban) Co-operative Banks (UCBs) Madam / Dear Sir,

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,