RBI/2023-24/107 DOR.AML.REC. 66 /14.01.001/2023-24 January 04, 2024 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir/Madam, Amendment to the Master Direction (MD) on KYC Please refer to the Master Direction (MD) on KYC dated February 25, 2016, as amended from time to time, in terms of which Regulated Entities (REs) have to undertake Customer Due Diligence (CDD), as per the process laid out therein, for their customers. 2. In the extant Direction, the definition of Politically Exposed Persons (PEPs) is provided in sub-clause (xvii) of clause 

RBI/2023-2024/106 DOR.AML.REC.65/14.06.001/2023-24 January 02, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Designation of 2 individuals as ‘Terrorists’ under Section 35 (1) (a) of the Unlawful Activities (Prevention) Act (UAPA), 1967 and their listing in the Schedule IV of the Act- Reg.

RBI/2023-24/105 DOR. SOG (LEG).REC/64/09.08.024/2023-24 January 1, 2024 Madam/ Dear Sir Inoperative Accounts /Unclaimed Deposits in Banks- Revised Instructions As per extant instructions, the credit balance in any deposit account maintained with banks, which have not been operated upon for ten years or more, or any amount remaining unclaimed for ten years or more, as mentioned in paragraph 3(iii) of the “Depositor Education and Awareness” (DEA) Fund Scheme, 2014, are required to be transferred by banks to DEA Fund maintained by the Reserve Bank of India.

RBI/2015-16/344 DBR.BP.BC.No.86/21.04.098/2015-16 March 23, 2016 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Liquidity Risk Management & Basel III Framework on Liquidity Standards – Liquidity Coverage Ratio (LCR), Liquidity Risk Monitoring Tools and LCR Disclosure Standards Please refer to our following circulars on Liquidity Risk Framework: DBOD.BP.No.56/21.04.098/2012-13 dated November 7, 2012 on “Liquidity Risk Management by Banks.” DBOD.BP.

RBI/2023-24/111 DoR.MCS.REC.61/01.01.001/2023-24 December 29, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, excluding Payments Banks) All Primary (Urban) Co-operative Banks All NBFCs (including HFCs) and All India Financial Institutions (EXIM Bank, NABARD, NHB, SIDBI and NaBFID)

Framework for Dealing with Domestic Systemically Important Banks (D-SIBs) (Revised upto December 28, 2023[1]) Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrupted availability of essential banking services to the real economy.

RBI/2023-24/99 DOR.STR.REC.60/21.04.048/2023-24 December 28, 2023 All Scheduled Commercial Banks (excluding Regional Rural Banks) All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) MHP Exemption for Transfer of Receivables

RBI/2023-24/92 DoR.RET.REC.59/12.01.001/2023-24  December 22, 2023 The Chairperson / CEOs of all Commercial Banks Madam / Dear Sir, Reverse Repo transactions - Reporting in Form ‘A’ Return

RBI/DOR/2023-24/90 DOR.STR.REC. 58/21.04.048/2023-24 December 19, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ Central Co-operative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies)

RBI/2023-24/85 DOR.STR.REC.57/21.06.001/2023-24 November 16, 2023 Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) Non-Banking Financial Companies (including HFCs) Madam/Dear Sir, Regulatory measures towards consumer credit and bank credit to NBFCs Please refer to Governor’s Statement dated October 6, 2023 flagging the high growth in certain components of consumer credit and advising banks and non-banking financial companies (NBFCs) to strengthen their internal surveillance mechanisms, address the build-up of risks, if any, and institute suitable safeguards, in their own interest. The high growth seen in consumer credit and increasing dependency of NBFCs on bank borrowings were also highlighted by Governor in the interactions with MD/CEOs of major banks and large NBFCs in July and August 2023, respectively.

RBI/2023-2024/84 DOR. AML.REC.56 /14.06.001/2023-24November 15, 2023 The Chairpersons / CEOs of all the Regulated Entities Madam / Dear Sir, Implementation of Section 51A of UAPA,1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 05 Entries

RBI/2023-24/75 DoR.SPE.REC.50/13.03.00/2023-2024 October 26, 2023 All Regional Rural Banks Sir / Madam, Review of Instructions on Bulk Deposits for Regional Rural Banks (RRBs) Please refer to Para 3 (a) (i) of Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2016 dated March 3, 2016, in terms of which “Bulk Deposit” means: Single Rupee term deposits of Rupees two crore and above for Scheduled Commercial Banks (excluding Regional Rural Banks) and Small Finance Banks.

RBI/2023-24/73 DoR.FIN.REC.49/20.16.003/2023-24  October 26, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID) All Asset Reconstructions Companies All Credit Information Companies

RBI/2023-24/74 DOR.SPE. REC. No 51/13.03.000/2023-24 October 26, 2023 Non-Callable Deposits - Master Direction on Interest Rate on Deposits Please refer to the instructions contained in Section 7 of the Master Direction (MD) on Interest Rate on Deposits dated March 03, 2016 and Master Direction - Reserve Bank of India (Co-operative Banks - Interest Rate on Deposits) Directions, 2016 dated May 12, 2016. In terms of these instructions, banks have been permitted to offer domestic term deposits (TDs) without premature withdrawal option, provided that all TDs accepted from individuals for an amount of Rupees fifteen lakh and below shall have premature-withdrawal-facility. Further, the banks have also been permitted to offer differential rate on interest on TDs based on non-callability of deposits (i.e., non-availability of premature withdrawal option) in addition to tenor and size of deposits.

RBI/2023-24/72 DoR.FIN.REC.48/20.16.003/2023-24 October 26, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID)

RBI/2023-24/70 DOR.HGG.GOV.REC.46/29.67.001/2023-24 October 25, 2023 All Private Sector Banks and Wholly-Owned Subsidiaries of Foreign Banks (excluding Payment Banks and Local Area Banks) Madam / Dear Sir Appointment of Whole-Time Director(s) Please refer to paragraph 10 and 11 of our instructions DOR.GOV.REC.8/29.67.001/2021-22 dated April 26, 2021 on ‘Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board’.

RBI/2023-24/71 DOR.ACC.47/21.04.018/2023-24 October 25, 2023 Madam / Sir, Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021: Presentation of unclaimed liabilities transferred to Depositor Education and Awareness (DEA) Fund The ‘Notes and Instructions for compilation’ given in Annex II to the Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021 (Master Direction) require commercial banks to present all unclaimed liabilities, where the amount due has been transferred to the Depositor Education and Awareness (DEA) Fund established under the DEA Fund Scheme, 2014, under ‘Schedule 12- Contingent Liabilities - Other items for which the bank is contingently liable’.

RBI/2023-24/69 DOR.AML.REC.44/14.01.001/2023-24 October 17, 2023 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir / Madam, Amendment to the Master Direction (MD) on KYC Please refer to the Master Direction (MD) on KYC dated February 25, 2016, as amended from time to time, in terms of which Regulated Entities (REs) have to undertake Customer Due Diligence (CDD), as per the process laid out therein, for their customers.

RBI/2023-24/68 DoR.RET.REC.43/12.01.001/2023-24 October 16, 2023 The Chairperson / CEOs of all Commercial Banks Madam / Dear Sir, Reverse Repo transactions - Reporting in Form ‘A’ Return Please refer to Form A Return in the Master Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions - 2021 (updated as on September 25, 2023) regarding the reporting of Reverse Repo transactions by Commercial Banks.

RBI/2023-24/63
DoR.FIN.REC.41/20.16.003/2023-24

September 25, 2023

All Commercial Banks including Small Finance Banks, Local Area Banks and Regional Rural Banks and excluding Payment Banks
All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks
All India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID)
All Non-Banking Financial Companies including Housing Finance Companies
All Asset Reconstruction Companies

Dear Sir/ Madam

Display of information - Secured assets possessed under the SARFAESI Act, 2002

As a part of the move towards greater transparency, it has been decided that the Regulated Entities (REs) of the Reserve Bank which are secured creditors as per the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002, shall display information in respect of the borrowers whose secured assets have been taken into possession by the REs under the Act.

2. REs shall upload this information on their website in the format as prescribed in the Annex. The first such list shall be displayed on the website of REs within six (6) months from the date of this circular, and the list shall be updated on monthly basis.

Yours faithfully,

(J.P. Sharma)
Chief General Manager

Encl: Annex

Annex

Information on secured assets possessed under the SARFAESI Act, 2002

Sl. NoBranch NameStateBorrower NameGuarantor Name
(wherever applicable)Registered address of the BorrowerRegistered address of the Guarantor
(wherever applicable)Outstanding amount
(in ₹)Asset ClassificationDate of Asset classificationDetails of security possessedName of the Title holder of the security possessed