Certificate of Registration granted to Equifax Credit Information Services Private Ltd to commence Business of Credit Information

RBI/2009-10/374 DBOD.No.DL.BC.83/20.16.042/2009-10 March 31, 2010 Chairmen / Chief Executive Officers, All Scheduled Commercial Banks (excluding Regional Rural Banks) & All India Financial Institutions Dear Sir, Grant of ‘Certificate of Registration’ - For commencing business of credit information – Equifax Credit Information Services Private Ltd. Please refer to our circular DBOD.No.DL.15214 /20.16.042/2009-10 dated March 04, 2010 advising the issue of ‘Certifica

RBI/2009-10/374 DBOD.No.DL.BC.83/20.16.042/2009-10 March 31, 2010 Chairmen / Chief Executive Officers, All Scheduled Commercial Banks (excluding Regional Rural Banks) & All India Financial Institutions Dear Sir, Grant of ‘Certificate of Registration’ - For commencing business of credit information – Equifax Credit Information Services Private Ltd. Please refer to our circular DBOD.No.DL.15214 /20.16.042/2009-10 dated March 04, 2010 advising the issue of ‘Certifica

Certificate of Registration granted to Equifax Credit Information Services Private Ltd to commence Business of Credit Information

Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk

RBI/2009-10/372 DBOD. No. BP.BC. 84 /21.06.001/2009-10 @@NBSP@@March 31, 2010 The Chairman and Managing Directors/ Chief Executive Officers of All Commercial Banks Dear Sir Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk Please refer to our circular DBOD BP. BC. 23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migrating to The Standardised Approach and Alternative Standa

RBI/2009-10/372 DBOD. No. BP.BC. 84 /21.06.001/2009-10 @@NBSP@@March 31, 2010 The Chairman and Managing Directors/ Chief Executive Officers of All Commercial Banks Dear Sir Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk Please refer to our circular DBOD BP. BC. 23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migrating to The Standardised Approach and Alternative Standa

Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk

Prudential Norms on Income Recognition, Asset Classification and Provisioning Pertaining to Advances - Projects under Implementation

RBI 2009-10/ 375 DBOD.No.BP.BC. 85/21.04.048/2009-10 March 31, 2010 The Chairman and Managing Director / Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Prudential Norms on Income Recognition, Asset Classification and Provisioning Pertaining to Advances - Projects under Implementation Please refer to para 4.2.15 (iv) of our Master Circular DBOD. No. BP.BC. 17/21.04.048/2008-09 dated July 1, 2009 on Prudential norms on Income Recogniti

RBI 2009-10/ 375 DBOD.No.BP.BC. 85/21.04.048/2009-10 March 31, 2010 The Chairman and Managing Director / Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Prudential Norms on Income Recognition, Asset Classification and Provisioning Pertaining to Advances - Projects under Implementation Please refer to para 4.2.15 (iv) of our Master Circular DBOD. No. BP.BC. 17/21.04.048/2008-09 dated July 1, 2009 on Prudential norms on Income Recogniti

Prudential Norms on Income Recognition, Asset Classification and Provisioning Pertaining to Advances - Projects under Implementation

Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy

RBI 2009-10/371 DBOD.No.BP.BC. 82 /21.04.048/2009-10 March 30, 2010 The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) Dear Sir Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy Please refer to our circulars DBOD.No.BP.BC.26/21.04.048/2008-09@@NBSP@@dated July 30, 2008, DBOD.No.BP.BC.112/21.04.048/2008-09 dated M

RBI 2009-10/371 DBOD.No.BP.BC. 82 /21.04.048/2009-10 March 30, 2010 The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) Dear Sir Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy Please refer to our circulars DBOD.No.BP.BC.26/21.04.048/2008-09@@NBSP@@dated July 30, 2008, DBOD.No.BP.BC.112/21.04.048/2008-09 dated M

Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy

Classification in the Balance Sheet - Capital Instruments

RBI/2009-10/368 DBOD.BP.BC No.81/ 21.01.002/2009-10 March 30, 2010 The Chairmen/Chief Executives of All Commercial Banks (excluding RRBs) Dear Sir Classification in the Balance Sheet - Capital Instruments It has been observed that there is no uniformity in the accounting practice followed by banks in classifying the various regulatory capital instruments for the purpose of presentation in the Balance Sheet. We have recently examined the issue and advise that the follo

RBI/2009-10/368 DBOD.BP.BC No.81/ 21.01.002/2009-10 March 30, 2010 The Chairmen/Chief Executives of All Commercial Banks (excluding RRBs) Dear Sir Classification in the Balance Sheet - Capital Instruments It has been observed that there is no uniformity in the accounting practice followed by banks in classifying the various regulatory capital instruments for the purpose of presentation in the Balance Sheet. We have recently examined the issue and advise that the follo

Classification in the Balance Sheet - Capital Instruments

RRBs - List of Terrorist Individuals / Organisations - under UNSCR 1267(1999) and 1822(2008) on Taliban / Al-Qaida Organisation

RBI/2009-10/369 RPCD.CO RRB.AML.No.10105/03.05.28(A)/2009-10 March 30, 2010 The Chairman All Regional Rural Banks (RRBs) Dear Sir, List of Terrorist Individuals / Organisations - under UNSCR 1267(1999) and 1822(2008) on Taliban / Al-Qaida Organisation Please refer to our circular letter RPCD.CO.RRB.AML.No. 9611/03.05.28(A)/2009-10 dated March 18,2010. We have since received from Government of India (Ministry of External Affairs) copy of note dated March 11, 2010 (copy

RBI/2009-10/369 RPCD.CO RRB.AML.No.10105/03.05.28(A)/2009-10 March 30, 2010 The Chairman All Regional Rural Banks (RRBs) Dear Sir, List of Terrorist Individuals / Organisations - under UNSCR 1267(1999) and 1822(2008) on Taliban / Al-Qaida Organisation Please refer to our circular letter RPCD.CO.RRB.AML.No. 9611/03.05.28(A)/2009-10 dated March 18,2010. We have since received from Government of India (Ministry of External Affairs) copy of note dated March 11, 2010 (copy

RRBs - List of Terrorist Individuals / Organisations - under UNSCR 1267(1999) and 1822(2008) on Taliban / Al-Qaida Organisation

Up-gradation of RTGS System to Windows 2008

RBI/ 2009-10/370 DIT (CO) Circular No. 7/09.63.08/2009-10 March 30, 2010 To All RTGS Members Dear Sir, Up-gradation of RTGS System to Windows 2008 Please refer to our circular DIT (CO) Circular No. 5/09.63.08/2009-10 dated November 23, 2009 on the captioned subject. 2. The process of finalization of the Hardware Security Module system has now been completed. Safenet’s Luna PCI Express 7000 HSM Card has been found to be compatible with the upgraded RTGS System in Windo

RBI/ 2009-10/370 DIT (CO) Circular No. 7/09.63.08/2009-10 March 30, 2010 To All RTGS Members Dear Sir, Up-gradation of RTGS System to Windows 2008 Please refer to our circular DIT (CO) Circular No. 5/09.63.08/2009-10 dated November 23, 2009 on the captioned subject. 2. The process of finalization of the Hardware Security Module system has now been completed. Safenet’s Luna PCI Express 7000 HSM Card has been found to be compatible with the upgraded RTGS System in Windo

Up-gradation of RTGS System to Windows 2008

Public Provident Fund Scheme, 1968

RBI/2009-10/365 DGBA.CDD. H- 7530/15.02.001/2009-10 March 29, 2010 The Chairman and Managing Director / Managing Director Government Accounts Department, Head OfficeState Bank of India / State Bank of Indore / State Bank of Patiala / State Bank of Bikaner & Jaipur / State Bank of Travancore / State Bank of Hyderabad / State Bank of Mysore / Allahabad Bank / Bank of Baroda / Bank of India / Bank of Maharashtra / Canara Bank / Central Bank of India / Corporation Ban

RBI/2009-10/365 DGBA.CDD. H- 7530/15.02.001/2009-10 March 29, 2010 The Chairman and Managing Director / Managing Director Government Accounts Department, Head OfficeState Bank of India / State Bank of Indore / State Bank of Patiala / State Bank of Bikaner & Jaipur / State Bank of Travancore / State Bank of Hyderabad / State Bank of Mysore / Allahabad Bank / Bank of Baroda / Bank of India / Bank of Maharashtra / Canara Bank / Central Bank of India / Corporation Ban

Public Provident Fund Scheme, 1968

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

RBI/2009-10/361 DBOD. AML.No.16477/14.01.034/2009-10 March 26, 2010 The Chairmen/CEOs of all Scheduled Commercial Banks(Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/ Combating of Financing of Terrorism (CFT) Please refer to our letter DBOD. AML.No.8923 /14.01.032/2009-10 dated November 20, 2009 on risks arising from the deficiencies in AML/CFT regime of Iran, Uzbek

RBI/2009-10/361 DBOD. AML.No.16477/14.01.034/2009-10 March 26, 2010 The Chairmen/CEOs of all Scheduled Commercial Banks(Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, Know Your Customer (KYC) Norms/ Anti- Money Laundering (AML) Standards/ Combating of Financing of Terrorism (CFT) Please refer to our letter DBOD. AML.No.8923 /14.01.032/2009-10 dated November 20, 2009 on risks arising from the deficiencies in AML/CFT regime of Iran, Uzbek

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

Prudential Norms on Income Recognition, Asset Classification, and Provisioning pertaining to Advances- Computation of NPA Levels

RBI/2009-2010/364 DBOD.No.FID.FIC.9/01.02.00/2009-10 March 26, 2010 The CEOs of the select All-India Term-lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir Prudential Norms on Income Recognition, Asset Classification, and Provisioning pertaining to Advances- Computation of NPA Levels Please find enclosed a copy of Circular DBOD.No.BP.BC.No.46/21.04.048/2009-10 dated September 24, 2009 on the above subject. In this connection, it is advis

RBI/2009-2010/364 DBOD.No.FID.FIC.9/01.02.00/2009-10 March 26, 2010 The CEOs of the select All-India Term-lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir Prudential Norms on Income Recognition, Asset Classification, and Provisioning pertaining to Advances- Computation of NPA Levels Please find enclosed a copy of Circular DBOD.No.BP.BC.No.46/21.04.048/2009-10 dated September 24, 2009 on the above subject. In this connection, it is advis

Prudential Norms on Income Recognition, Asset Classification, and Provisioning pertaining to Advances- Computation of NPA Levels