UBD.BL(PCB)Cir.No. 1A/07.01.00/2003-04 October 1, 2003 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Area of Operation, Branch Licensing Policy, Opening/Upgradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices Hitherto, the Reserve Bank of India was issuing instructions on matters relating to area of operation of banks, opening of new branches, opening/upgradation of extension counters, ATMs an