RBI/2024-25/96 FIDD.CO.FSD.BC.No.10/05.05.010/2024-25 December 6, 2024 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Regional Rural Banks and Small Finance Banks) All State Co-operative Banks and District Central Co-operative Banks Madam/Sir, Credit Flow to Agriculture – Collateral free agricultural loans

RBI/2024-25/95 DoR.RET.REC.52/12.01.001/2024-25 December 06, 2024 All Banks Madam / Dear Sir, Maintenance of Cash Reserve Ratio (CRR)

RBI/2024-25/94 DoR.SPE.REC.No.51/13.03.00/2024-2025 December 06, 2024 All Scheduled Commercial Banks (including Regional Rural Banks) All Small Finance Banks All Local Area Banks All Payments Banks All Primary (Urban) Co-operative Banks/ DCCBs /State Cooperative Banks Madam / Sir, Interest Rates on Foreign Currency (Non-resident) Accounts (Banks) [FCNR(B)] Deposits Please refer to paragraph 2 of the Statement on Developmental and Regulatory Policies issued as a part of theBi-monthly Monetary Policy Statement for 2024-25 dated December 06, 2024 read with instructions regarding interest rates on FCNR(B) deposits contained in Section 19 of the Master Direction (MD) on Interest Rate on Deposits dated March 03, 2016 and Section 18 of the Master Direction on Co-operative Banks - Interest Rate on Deposits dated May 12, 2016, as amended from time to time.

RBI/2024-25/93 CO.DPSS.POLC.No.S908/02-14-003/2024-25 December 04, 2024 The Chairman / Managing Director / Chief Executive Officer Authorised Payment System Operators and Participants (Banks and Non-banks) Madam / Dear Sir, Amendment to Framework for Facilitating Small Value Digital Payments in Offline Mode

RBI/2024-25/92 DOR. AML.REC.50 /14.06.001/2024-25 December 04, 2024 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 03 Entries

RBI/2024-25/91 DoS.CO.PPG.SEC.12/11.01.005/2024-25 December 02, 2024 The Chairman / Managing Director / Chief Executive Officer All Commercial Banks (excluding Regional Rural banks) Madam / Dear Sir, Inoperative Accounts / Unclaimed Deposits in banks

RBI/2024-25/90 November 11, 2024 A.P. (DIR Series) Circular No. 19 To All Category – I Authorised Dealer Banks Madam / Sir Operational framework for reclassification of Foreign Portfolio Investment to Foreign Direct Investment (FDI) Attention of Authorised Dealer (AD) Category - I banks is invited to the Foreign Exchange Management (Non-debt Instruments) Rules, 2019, (hereinafter referred to as ‘Rules’) notified by the Central Government on October 17, 2019.

RBI/2024-25/89 FMRD.MIOD.07/02.05.002/2024-25 November 08, 2024 To, All Authorised Dealers Madam/Sir, Reporting of Foreign Exchange Transactions to Trade Repository Please refer to the Master Direction – Risk Management and Inter-Bank Dealings dated July 5, 2016, as amended from time to time, which requires, inter-alia, Authorised Dealers to report all over-the-counter (OTC) foreign exchange derivative contracts and foreign currency interest rate derivative contracts, undertaken by them directly or through their overseas entities (including overseas branches, IFSC Banking Units, wholly owned subsidiaries and joint ventures of Authorised Dealers), to the Trade Repository (TR) of Clearing Corporation of India Ltd. (CCIL).

RBI/2024-25/88 FMRD.FMD.No. 06/14.01.006/2024-25 November 07, 2024 To All participants in Government Securities market Madam/Sir, ‘Fully Accessible Route’ for Investment by Non-residents in Government Securities – Inclusion of Sovereign Green Bonds A reference is invited to the Press Release on ‘Issuance Calendar for Marketable Dated Securities for October 2024 - March 2025’ dated September 26, 2024, issued by the Reserve Bank, notifying, inter alia, the issuance calendar for Sovereign Green Bonds for the second half of the fiscal year 2024-25. Attention is also invited to the Fully Accessible Route (FAR) introduced by the Reserve Bank, vide A.P. (DIR Series) Circular No. 25 dated March 30, 2020, wherein certain specified categories of Central Government securities were opened fully for non-resident investors without any restrictions, apart from being available to domestic investors as well.

RBI/2024-2025/87 DOR.AML.REC. 49 /14.01.001/2024-25 November 06, 2024 All the Regulated Entities Dear Sir/Madam, Amendment to the Master Direction - Know Your Customer (KYC) Direction, 2016

RBI/2024-2025/86 DCM (NPD) No. S2193/ 09.45.000/ 2024-25 October 30, 2024 The Chairman/ Managing Director/ Chief Executive Officer All Banks Madam/ Dear Sir, Note Sorting Machines: Standards issued by the Bureau of Indian Standards

RBI/2024-2025/85 DPSS.CO.RLVPD.No.S789/02.07.038/2024-25 October 28, 2024 Central Counterparties authorised by RBI / Central Counterparties seeking authorisation from RBI / Foreign Central Counterparties seeking recognition from RBI Madam / Dear Sir, Directions for Central Counterparties (CCPs)

RBI/2024-25/84 DOR.AML.REC.48/14.06.001/2024-25 October 19, 2024 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Designation of one organisation under Section 35(1) (a) and 2(1) (m) of the Unlawful Activities (Prevention) Act,1967 and its listing in the First Schedule of the Act- Reg.

RBI/2024-25/83 CO.DPSS.POLC.No. S-708 / 02-12-004 / 2024-25 October 11, 2024 All Payment System Participants Madam / Dear Sir, Facilitating accessibility to digital payment systems for Persons with Disabilities - Guidelines A reference is invited to Reserve Bank’s Master Circular on Customer Service in Banks dated July 01, 2015, which, among other things, contains instructions for scheduled commercial banks to ensure banking services for Persons with Disabilities. In this context, reference is also invited to ‘Accessibility Standards and Guidelines for Banking Sector’ as notified by the Ministry of Finance, Government of India on February 02, 2024.

RBI/2024-25/82 DoR.FIN.REC.No. 46/26.03.001/2024-25 October 10, 2024 All Asset Reconstruction Companies (ARCs) Dear Sir/ Madam, Submission of information to Credit Information Companies (CICs) by ARCs

RBI/2024-25/81 DoR.FIN.REC. 47/20.16.042/2024-25 October 10, 2024 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 Asset Reconstruction Companies All Credit Information Companies Dear Sir/ Madam, Implementation of Credit Information Reporting Mechanism subsequent to cancellation of licence or Certificate of Registration The Credit Information Companies (Regulation) Act, 2005 (CICRA) stipulates that only Credit Institutions (CIs) can furnish credit information to Credit Information Companies (CICs). Section 17(1) of CICRA mandates that CICs can collect credit information from its member CIs or member CICs only. Therefore, only the entities that are covered under the ambit of section 2(f) of CICRA, 2005 can submit credit information to CICs.

RBI/2024-25/80
DOR.STR.REC.45/04.02.001/2024-25

October 9, 2024

All Scheduled Commercial Banks (excluding RRBs),
Primary (Urban) Cooperative Banks & State Cooperative Banks (scheduled banks having
AD category-I license), and
Exim Bank

Dear Sir / Madam,

RBI/FED/2024-25/78 A.P. (DIR Series) Circular. No.17/2024-25 October 01, 2024 To, All Authorised Dealer Category – I banks and Authorised banks Madam / Sir, Directions - Compounding of Contraventions under FEMA, 1999 The provisions of section 15 of Foreign Exchange Management Act, 1999 (42 of 1999) [hereinafter referred to as ‘FEMA

RBI/2024-25/77 DoS.CO.PPG.SEC.10/11.01.005/2024-25 September 30, 2024 All Commercial Banks (including Small Finance Banks but excluding Regional Rural Banks and Payments Banks) All Primary (Urban) Co-operative Banks All Non-Banking Financial Companies Madam / Dear Sir, Gold loans - Irregular practices observed in grant of loans against pledge of gold ornaments and jewellery