Prudential Guidelines on Restructuring of Advances by Banks

RBI/2008-09/311 DBOD.No.BP.BC.No.93@@NBSP@@ /21.04.132/2008-09 December 8, 2008 The Chairman and Managing Directors / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs & LABs) Dear Sir, Prudential Guidelines on Restructuring of Advances by Banks Please refer to our Press Release dated December 6, 2008 regarding RBI's Growth Stimulus.@@NBSP@@ As indicated therein, it has been decided to effect the following modifications to prudential guide

RBI/2008-09/311 DBOD.No.BP.BC.No.93@@NBSP@@ /21.04.132/2008-09 December 8, 2008 The Chairman and Managing Directors / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs & LABs) Dear Sir, Prudential Guidelines on Restructuring of Advances by Banks Please refer to our Press Release dated December 6, 2008 regarding RBI's Growth Stimulus.@@NBSP@@ As indicated therein, it has been decided to effect the following modifications to prudential guide

Prudential Guidelines on Restructuring of Advances by Banks

Lending under Consortium Arrangement / Multiple Banking Arrangements

RBI/2008-2009/313DBOD.No.BP.BC.94 /08.12.001/2008-09December 08, 2008The Chairman & Managing Directors /Chief Executive Officers ofAll Scheduled Commercial Banks(Excluding RRBs and LABs)Dear Sir,Lending under Consortium Arrangement / Multiple Banking ArrangementsPlease refer to our circular RBI/2008-2009/183/DBOD.No.BP.BC.46/08.12.001/2008- 09@@NBSP@@dated September 19, 2008 on the captioned subject.2. The formats for declaration of information by the borrower at

RBI/2008-2009/313DBOD.No.BP.BC.94 /08.12.001/2008-09December 08, 2008The Chairman & Managing Directors /Chief Executive Officers ofAll Scheduled Commercial Banks(Excluding RRBs and LABs)Dear Sir,Lending under Consortium Arrangement / Multiple Banking ArrangementsPlease refer to our circular RBI/2008-2009/183/DBOD.No.BP.BC.46/08.12.001/2008- 09@@NBSP@@dated September 19, 2008 on the captioned subject.2. The formats for declaration of information by the borrower at

Lending under Consortium Arrangement / Multiple Banking Arrangements

Implementation of the New Capital Adequacy Framework (NCAF) - Parallel run reporting format - Monitoring of Prudential Floor

RBI/2008-09/ 307 DBOD.No.BP.BC.92 /21.06.001/2008-09 December 4, 2008 All Scheduled Commercial Banks (excluding Local Area Banks and Regional Rural Banks) Dear Sirs,@@NBSP@@ Implementation of the New Capital Adequacy Framework (NCAF) – Parallel run reporting format – Monitoring of Prudential Floor Please refer to paragraph 2.4 of our ‘Master Circular – Prudential Guidelines on Capital Adequacy and Market Discipline – Implementation of NCAF’, issued vide letter DBOD.No

RBI/2008-09/ 307 DBOD.No.BP.BC.92 /21.06.001/2008-09 December 4, 2008 All Scheduled Commercial Banks (excluding Local Area Banks and Regional Rural Banks) Dear Sirs,@@NBSP@@ Implementation of the New Capital Adequacy Framework (NCAF) – Parallel run reporting format – Monitoring of Prudential Floor Please refer to paragraph 2.4 of our ‘Master Circular – Prudential Guidelines on Capital Adequacy and Market Discipline – Implementation of NCAF’, issued vide letter DBOD.No

Implementation of the New Capital Adequacy Framework (NCAF) - Parallel run reporting format - Monitoring of Prudential Floor

Operations of Foreign Branches and Subsidiaries - Compliance with statutory norms, etc.

RBI/2008-09/302 DBOD.No.BP.BC.89 /21.04.141/2008-09 December 1, 2008 All Scheduled Commercial Banks (excluding Local Area Banks and Regional Rural Banks) Dear Sir, Operations of foreign branches and subsidiaries of the Indian banks Compliance with statutory/regulatory/administrative prohibitions/ restrictions As you are aware, the banking operations carried out by the Indian banks are fully subject to various statutory and regulatory prohibitions and restrictions in f

RBI/2008-09/302 DBOD.No.BP.BC.89 /21.04.141/2008-09 December 1, 2008 All Scheduled Commercial Banks (excluding Local Area Banks and Regional Rural Banks) Dear Sir, Operations of foreign branches and subsidiaries of the Indian banks Compliance with statutory/regulatory/administrative prohibitions/ restrictions As you are aware, the banking operations carried out by the Indian banks are fully subject to various statutory and regulatory prohibitions and restrictions in f

Operations of Foreign Branches and Subsidiaries - Compliance with statutory norms, etc.

Rupee Export Credit Interest Rates-Extension of period of credit

RBI/2008-09/299DBOD.Dir.(Exp).BC.No. 88/04.02.01/2008- 09November 28, 2008All Scheduled Commercial Banks(excluding RRBs)Dear Sir,Rupee Export Credit Interest Rates-Extension of period of creditPlease refer to our circular DBOD.Dir.(Exp.)No.80/04.02.01/2008-09 dated November 15, 2008 on the captioned subject.2. In view of the difficulties faced by exporters on account of the weakening of external demand, it has been decided that the prescribed interest rate of BPLR min

RBI/2008-09/299DBOD.Dir.(Exp).BC.No. 88/04.02.01/2008- 09November 28, 2008All Scheduled Commercial Banks(excluding RRBs)Dear Sir,Rupee Export Credit Interest Rates-Extension of period of creditPlease refer to our circular DBOD.Dir.(Exp.)No.80/04.02.01/2008-09 dated November 15, 2008 on the captioned subject.2. In view of the difficulties faced by exporters on account of the weakening of external demand, it has been decided that the prescribed interest rate of BPLR min

Rupee Export Credit Interest Rates-Extension of period of credit

Guidelines on Fair Practices Code for Lenders- Disclosing all information relating to processing fees / charges

RBI / 2008-09 / 296 DBOD.No.Leg.BC. 86 /09.07.005/2008-09 November 25, 2008 All Scheduled Commercial Banks / All India Financial Institutions (Excluding RRBs) Dear Sir, Guidelines on Fair Practices Code for Lenders- Disclosing all information relating to processing fees / charges Please refer to our Circular DBOD.No.Leg.BC.65 /09.07.005/2006-07 dated March 6, 2007 wherein banks / FIs were advised that loan application forms in respect of all categories of loans irresp

RBI / 2008-09 / 296 DBOD.No.Leg.BC. 86 /09.07.005/2008-09 November 25, 2008 All Scheduled Commercial Banks / All India Financial Institutions (Excluding RRBs) Dear Sir, Guidelines on Fair Practices Code for Lenders- Disclosing all information relating to processing fees / charges Please refer to our Circular DBOD.No.Leg.BC.65 /09.07.005/2006-07 dated March 6, 2007 wherein banks / FIs were advised that loan application forms in respect of all categories of loans irresp

Guidelines on Fair Practices Code for Lenders- Disclosing all information relating to processing fees / charges

Delays in Cheque Clearing - Case No. 82 of 2006 before National Consumer Disputes Redressal Commission

RBI/2008-09/295A DPSS.CO. (CHD) No. 873/03.09.01/2008-09 November 24, 2008 The Chairman & Managing Director / Chief Executive Officer All Scheduled Commercial Banks Madam / Dear Sir, Delays in Cheque Clearing - Case No. 82 of 2006 before National Consumer Disputes Redressal Commission As you may be aware, during August 2006, a case was filed before National Consumer Disputes Redressal Commission, New Delhi (the Commission) under the Consumer Protection Act, 1986,

RBI/2008-09/295A DPSS.CO. (CHD) No. 873/03.09.01/2008-09 November 24, 2008 The Chairman & Managing Director / Chief Executive Officer All Scheduled Commercial Banks Madam / Dear Sir, Delays in Cheque Clearing - Case No. 82 of 2006 before National Consumer Disputes Redressal Commission As you may be aware, during August 2006, a case was filed before National Consumer Disputes Redressal Commission, New Delhi (the Commission) under the Consumer Protection Act, 1986,

Delays in Cheque Clearing - Case No. 82 of 2006 before National Consumer Disputes Redressal Commission

Review of Prudential Norms - Provisioning for Standard Assets and Risk Weights for Exposures to Corporates, Commercial Real Estate and NBFC- ND-SI

RBI.No.2008-09/282DBOD.BP.BC. 83 / 21.01.002/2008-09November 15, 2008All Commercial Banks (excluding RRBs and LABs)Dear Sirs,Review of Prudential Norms – Provisioning for Standard Assets and Risk Weights forExposures to Corporates, Commercial Real Estate and NBFC- ND-SIPlease refer to paragraph 5.5 of our Master Circular DBOD.No.BP.BC.20/21.04.048/2008-09 dated July 1, 2008 on IRAC Norms indicating the extant general provisioning requirements in respect of various typ

RBI.No.2008-09/282DBOD.BP.BC. 83 / 21.01.002/2008-09November 15, 2008All Commercial Banks (excluding RRBs and LABs)Dear Sirs,Review of Prudential Norms – Provisioning for Standard Assets and Risk Weights forExposures to Corporates, Commercial Real Estate and NBFC- ND-SIPlease refer to paragraph 5.5 of our Master Circular DBOD.No.BP.BC.20/21.04.048/2008-09 dated July 1, 2008 on IRAC Norms indicating the extant general provisioning requirements in respect of various typ

Review of Prudential Norms - Provisioning for Standard Assets and Risk Weights forExposures to Corporates, Commercial Real Estate and NBFC- ND-SI

Interest Rates on Non-Resident (External) Rupee (NRE) Deposits and FCNR(B) deposits

RBI/2008-09/281DBOD. No. Dir. BC. 82 /13.03.00/2008-09November 15, 2008All Scheduled Commercial Banks (Excluding RRBs)Dear Sir,Interest Rates on Non-Resident (External) Rupee (NRE) Deposits and FCNR(B) deposits1. Interest Rates on Non-Resident (External) Rupee (NRE) DepositsPlease refer to paragraph 1 of our circular DBOD.No.Dir.BC.64/13.03.00/2008-09 dated October 15, 2008 on Interest Rates on Deposits held in Non-Resident (External) Rupee (NRE) Accounts. In view of

RBI/2008-09/281DBOD. No. Dir. BC. 82 /13.03.00/2008-09November 15, 2008All Scheduled Commercial Banks (Excluding RRBs)Dear Sir,Interest Rates on Non-Resident (External) Rupee (NRE) Deposits and FCNR(B) deposits1. Interest Rates on Non-Resident (External) Rupee (NRE) DepositsPlease refer to paragraph 1 of our circular DBOD.No.Dir.BC.64/13.03.00/2008-09 dated October 15, 2008 on Interest Rates on Deposits held in Non-Resident (External) Rupee (NRE) Accounts. In view of

Interest Rates on Non-Resident (External) Rupee (NRE) Deposits and FCNR(B) deposits

Rupee Export Credit Interest Rates-Extension of period of credit

RBI/2008-09/ 280DBOD.Dir.(Exp).BC.No.80/04.02.01/2008- 09November 15, 2008All Scheduled Commercial Banks(excluding RRBs)Dear Sir,Rupee Export Credit Interest Rates-Extension of period of creditPlease refer to our circular DBOD.Dir.(Exp.)No.68/04.02.01/2008-09 dated October 24, 2008 on the captioned subject.2. In view of the difficulties faced by exporters on account of the weakening of external demand , it has been decided that the prescribed interest rate of BPLR min

RBI/2008-09/ 280DBOD.Dir.(Exp).BC.No.80/04.02.01/2008- 09November 15, 2008All Scheduled Commercial Banks(excluding RRBs)Dear Sir,Rupee Export Credit Interest Rates-Extension of period of creditPlease refer to our circular DBOD.Dir.(Exp.)No.68/04.02.01/2008-09 dated October 24, 2008 on the captioned subject.2. In view of the difficulties faced by exporters on account of the weakening of external demand , it has been decided that the prescribed interest rate of BPLR min

Rupee Export Credit Interest Rates-Extension of period of credit