Inclusion in / exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 - Regional Rural Banks (RRBs)

RBI/2009-10/455 RPCD.CO.RRB.BC. No. 81/ 03.05.100/ 2009-10 May 07, 2010 All Regional Rural Banks Dear Sir, Inclusion in / exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 – Regional Rural Banks (RRBs) We advise that the names of 9 amalgamated Regional Rural Banks have been included in the Second Schedule to the Reserve Bank of India Act, 1934 by notification RPCD.CO.RRB.No.7812A/03.05.100/2009-10 January 21, 2010 published in the Extraordinary

RBI/2009-10/455 RPCD.CO.RRB.BC. No. 81/ 03.05.100/ 2009-10 May 07, 2010 All Regional Rural Banks Dear Sir, Inclusion in / exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 – Regional Rural Banks (RRBs) We advise that the names of 9 amalgamated Regional Rural Banks have been included in the Second Schedule to the Reserve Bank of India Act, 1934 by notification RPCD.CO.RRB.No.7812A/03.05.100/2009-10 January 21, 2010 published in the Extraordinary

Inclusion in / exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 - Regional Rural Banks (RRBs)

Finance for Housing Projects - Incorporating clause in the terms and conditions to disclose in pamphlets/brochures/advertisements, information regarding mortgage of property to the NBFC

RBI/2009-10/450 DNBS (PD) C.C No. 174 /03.10.001/2009-10 May 6, 2010 To All Non- Banking Financial Companies Dear Sir/Madam, Finance for Housing Projects – Incorporating clause in the terms and conditions to disclose in pamphlets/brochures/advertisements, information regarding mortgage of property to the NBFC In a case which came up before the Hon’ble High Court of Judicature at Bombay, the Hon’ble Court observed that the bank granting finance in housing, should insis

RBI/2009-10/450 DNBS (PD) C.C No. 174 /03.10.001/2009-10 May 6, 2010 To All Non- Banking Financial Companies Dear Sir/Madam, Finance for Housing Projects – Incorporating clause in the terms and conditions to disclose in pamphlets/brochures/advertisements, information regarding mortgage of property to the NBFC In a case which came up before the Hon’ble High Court of Judicature at Bombay, the Hon’ble Court observed that the bank granting finance in housing, should insis

Finance for Housing Projects - Incorporating clause in the terms and conditions to disclose in pamphlets/brochures/advertisements, information regarding mortgage of property to the NBFC

Working Group to Review the Credit Guarantee Scheme for Micro and Small Enterprises (MSEs) - Collateral free loans to MSEs

RBI/2009-10/449 RPCD.SME & NFS. BC.No. 79 /06.02.31/2009-10 May 6, 2010 The Chairman/ Managing Director All Scheduled Commercial Banks (Including Regional Rural Banks and Local Area Banks) Dear Sir Working Group to Review the Credit Guarantee Scheme for Micro and Small Enterprises (MSEs) – Collateral free loans to MSEs As you are aware, a Working Group was constituted by the Reserve Bank of India to review the Credit Guarantee Scheme (CGS) of the Credit Guarantee

RBI/2009-10/449 RPCD.SME & NFS. BC.No. 79 /06.02.31/2009-10 May 6, 2010 The Chairman/ Managing Director All Scheduled Commercial Banks (Including Regional Rural Banks and Local Area Banks) Dear Sir Working Group to Review the Credit Guarantee Scheme for Micro and Small Enterprises (MSEs) – Collateral free loans to MSEs As you are aware, a Working Group was constituted by the Reserve Bank of India to review the Credit Guarantee Scheme (CGS) of the Credit Guarantee

Working Group to Review the Credit Guarantee Scheme for Micro and Small Enterprises (MSEs) - Collateral free loans to MSEs

Prevention of Money-laundering Amendment Rules, 2010 - Obligation of banks

RBI/2009-10/448 RPCD.CO RRB.AML.BC.No. 80/03.05.33(E)/2009-10 May 06, 2010 The Chairman All Regional Rural Banks (RRBs) Dear Sir, Prevention of Money-laundering (Maintenance of Records of the Nature and Value of Transactions, the Procedure and Manner of Maintaining and Time for Furnishing Information and Verification and Maintenance of Records of the Identity of the Clients of the Banking Companies, Financial Institutions and Intermediaries) Amendment Rules, 2010 - Ob

RBI/2009-10/448 RPCD.CO RRB.AML.BC.No. 80/03.05.33(E)/2009-10 May 06, 2010 The Chairman All Regional Rural Banks (RRBs) Dear Sir, Prevention of Money-laundering (Maintenance of Records of the Nature and Value of Transactions, the Procedure and Manner of Maintaining and Time for Furnishing Information and Verification and Maintenance of Records of the Identity of the Clients of the Banking Companies, Financial Institutions and Intermediaries) Amendment Rules, 2010 - Ob

Prevention of Money-laundering Amendment Rules, 2010 - Obligation of banks

Conversion of term deposits, daily deposits or recurring deposits for reinvestment in term deposits by Primary (Urban) Co-operative Banks (UCBs)

RBI/2009-10/447 UBD. BPD. PCB. Cir. No. 65/ 13.01.000/ 2009-10 May 05, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Conversion of term deposits, daily deposits or recurring deposits for reinvestment in term deposits by Primary (Urban) Co-operative Banks (UCBs) Please refer to paragraph 104 of the Annual Policy Statement for the year 2010 -11 of Reserve Bank of India (extract enclosed). 2. As per instructions contained in paragr

RBI/2009-10/447 UBD. BPD. PCB. Cir. No. 65/ 13.01.000/ 2009-10 May 05, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Conversion of term deposits, daily deposits or recurring deposits for reinvestment in term deposits by Primary (Urban) Co-operative Banks (UCBs) Please refer to paragraph 104 of the Annual Policy Statement for the year 2010 -11 of Reserve Bank of India (extract enclosed). 2. As per instructions contained in paragr

Conversion of term deposits, daily deposits or recurring deposits for reinvestment in term deposits by Primary (Urban) Co-operative Banks (UCBs)

Investment in unlisted Non-SLR securities by Primary (Urban) Co-operative Banks

RBI.No.2009-10/444 UBD. BPD. PCB. Cir. No. 63 / 16.20.000/ 2009-10 May 04, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir Investment in unlisted Non-SLR securities by Primary (Urban) Co-operative Banks Please refer to paragraphs 67 and 68 of the Annual Policy Statement for the year 2010-2011 (extract enclosed) regarding investment in unlisted Non-SLR debt securities (both primary and secondary market) by banks. 2. In this connecti

RBI.No.2009-10/444 UBD. BPD. PCB. Cir. No. 63 / 16.20.000/ 2009-10 May 04, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir Investment in unlisted Non-SLR securities by Primary (Urban) Co-operative Banks Please refer to paragraphs 67 and 68 of the Annual Policy Statement for the year 2010-2011 (extract enclosed) regarding investment in unlisted Non-SLR debt securities (both primary and secondary market) by banks. 2. In this connecti

Investment in unlisted Non-SLR securities by Primary (Urban) Co-operative Banks

Annual Policy Statement for the year 2010-11 - Opening of Off-site ATMs by Primary (Urban) Cooperative banks-Liberalisation

RBI/2009-10/443 UBD.CO.LS.Cir.No. 64 /07.01.000/2009-10 May 04, 2010 All Primary (Urban) Cooperative Banks Dear Sir/Madam Annual Policy Statement for the year 2010-11- Opening of Off-site ATMs by Primary (Urban) Cooperative banks-Liberalisation Please refer to para 85 of the Annual Policy Statement 2010-11 (copy enclosed) in terms of which, it has been decided to allow well managed UCBs to set up off-site ATMs without seeking approval through the Annual Business Plans

RBI/2009-10/443 UBD.CO.LS.Cir.No. 64 /07.01.000/2009-10 May 04, 2010 All Primary (Urban) Cooperative Banks Dear Sir/Madam Annual Policy Statement for the year 2010-11- Opening of Off-site ATMs by Primary (Urban) Cooperative banks-Liberalisation Please refer to para 85 of the Annual Policy Statement 2010-11 (copy enclosed) in terms of which, it has been decided to allow well managed UCBs to set up off-site ATMs without seeking approval through the Annual Business Plans

Annual Policy Statement for the year 2010-11 - Opening of Off-site ATMs by Primary (Urban) Cooperative banks-Liberalisation

Priority Sector Lending - Export credit for agriculture and allied activities

RBI/2009-10/441 RPCD.CO.Plan.BC.78/04.09.01/2009-10 April 30, 2010 The Chairman/ Managing Director [All domestic scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Priority Sector Lending – Export credit for agriculture and allied activities Please refer to our Master Circular dated July 1, 2009 on Lending to Priority Sector, in terms of which loans granted by banks for agriculture and allied activities, as indicated therein, are eligible for class

RBI/2009-10/441 RPCD.CO.Plan.BC.78/04.09.01/2009-10 April 30, 2010 The Chairman/ Managing Director [All domestic scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Priority Sector Lending – Export credit for agriculture and allied activities Please refer to our Master Circular dated July 1, 2009 on Lending to Priority Sector, in terms of which loans granted by banks for agriculture and allied activities, as indicated therein, are eligible for class

Priority Sector Lending - Export credit for agriculture and allied activities

UCBs - Classification of investments by banks in Bonds issued by Companies engaged in Infrastructure activities

RBI/2009-10/440 UBD. BPD. PCB. Cir. No. 62/16.20.000/2009-10 April 30, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir Classification of investments by banks in Bonds issued by Companies engaged in Infrastructure activities Please refer to paragraph 66 of the Annual Policy Statement for the year 2010-11 (extract enclosed) wherein it has been proposed to allow banks to classify their investments in Non-SLR long term bonds issued by

RBI/2009-10/440 UBD. BPD. PCB. Cir. No. 62/16.20.000/2009-10 April 30, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir Classification of investments by banks in Bonds issued by Companies engaged in Infrastructure activities Please refer to paragraph 66 of the Annual Policy Statement for the year 2010-11 (extract enclosed) wherein it has been proposed to allow banks to classify their investments in Non-SLR long term bonds issued by

UCBs - Classification of investments by banks in Bonds issued by Companies engaged in Infrastructure activities

Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/Combating of Financing of Terrorism (CFT)

RBI/2009-10/439 DNBS(PD).CC. No. 172/03.10.42 /2009-10 @@NBSP@@April 30, 2010 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/ Combating of Financing of Terrorism (CFT) Please refer to Company Circular No 166 dated December 2, 2009 on the captioned subject. Financial Action Task Force (FATF) has issued a Statement dated February 18, 2010 on the subject (Copy enclosed

RBI/2009-10/439 DNBS(PD).CC. No. 172/03.10.42 /2009-10 @@NBSP@@April 30, 2010 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/ Combating of Financing of Terrorism (CFT) Please refer to Company Circular No 166 dated December 2, 2009 on the captioned subject. Financial Action Task Force (FATF) has issued a Statement dated February 18, 2010 on the subject (Copy enclosed

Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/Combating of Financing of Terrorism (CFT)