Guidelines on One Time Settlement Scheme for SME Accounts (for FIs)

RBI/2005-2006/214 Ref: DBOD. No. FID. FIC. 5 /01.02.00/2005-06 November 22, 2005 The CEOs of the all-India Term-lending and Refinancing Institutions (Exim Bank, IDFC Ltd., IFCI Ltd., IIBI Ltd., NABARD, NHB, SIDBI and TFCI Ltd.) Dear Sir, Guidelines on One Time Settlement Scheme for SME Accounts (for FIs) Please find enclosed RPCD Circular RPCD.PLNFS.BC.No.39/06.02.31/2005-06 dated September 3, 2005 on the captioned subject. The Circular has also been placed on the RBI

RBI/2005-2006/214 Ref: DBOD. No. FID. FIC. 5 /01.02.00/2005-06 November 22, 2005 The CEOs of the all-India Term-lending and Refinancing Institutions (Exim Bank, IDFC Ltd., IFCI Ltd., IIBI Ltd., NABARD, NHB, SIDBI and TFCI Ltd.) Dear Sir, Guidelines on One Time Settlement Scheme for SME Accounts (for FIs) Please find enclosed RPCD Circular RPCD.PLNFS.BC.No.39/06.02.31/2005-06 dated September 3, 2005 on the captioned subject. The Circular has also been placed on the RBI

Guidelines on One Time Settlement Scheme for SME Accounts (for FIs)

Credit Card Operations of banks

RBI / 2005-06 / 211 DBOD.FSD.BC. 49/ 24.01.011/ 2005-06 November 21, 2005 All Commercial Banks / NBFCs (Excluding RRBs) Dear Sir, Credit Card Operations of banks Pursuant to the announcement made in the Annual Policy Statement 2004-05, the Reserve Bank of India had constituted a Working Group on Regulatory Mechanism for Cards. The Group has suggested various regulatory measures aimed at encouraging growth of credit cards in a safe, secure and efficient manner as well

RBI / 2005-06 / 211 DBOD.FSD.BC. 49/ 24.01.011/ 2005-06 November 21, 2005 All Commercial Banks / NBFCs (Excluding RRBs) Dear Sir, Credit Card Operations of banks Pursuant to the announcement made in the Annual Policy Statement 2004-05, the Reserve Bank of India had constituted a Working Group on Regulatory Mechanism for Cards. The Group has suggested various regulatory measures aimed at encouraging growth of credit cards in a safe, secure and efficient manner as well

Credit Card Operations of banks

SCBs - Interest Rate on Non-Resident (External) Rupee (NRE) Deposits

RBI/2005-06/208 DBOD No. Dir. 48/13.03.00/2005-06 November 17, 2005 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to items (ii) and (iii)(a) of Annexure II of our Master Circular DBOD. No.Dir.BC.5/13.03.00/2005-06 dated July 1, 2005 on Interest Rates on Deposits. On a review, it has been decided that until further notice and with effect from close of business in India on November 17

RBI/2005-06/208 DBOD No. Dir. 48/13.03.00/2005-06 November 17, 2005 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to items (ii) and (iii)(a) of Annexure II of our Master Circular DBOD. No.Dir.BC.5/13.03.00/2005-06 dated July 1, 2005 on Interest Rates on Deposits. On a review, it has been decided that until further notice and with effect from close of business in India on November 17

SCBs - Interest Rate on Non-Resident (External) Rupee (NRE) Deposits

Financial Inclusion

RBI/2005-06/204 DBOD.No.Leg.BC. 44/09.07.005/2005-06 November 11, 2005To All Scheduled Commercial Banks (Excluding RRBs)Dear Sir, Financial Inclusion Please refer to Paragraph 96 of the Mid-term Review of Annual Policy Statement for the year 2005-06. 2. The Annual Policy Statement of April 2005, while recognising the concerns in regard to the banking practices that tend to exclude rather than attract vast sections of population, urged banks to review their existing pr

RBI/2005-06/204 DBOD.No.Leg.BC. 44/09.07.005/2005-06 November 11, 2005To All Scheduled Commercial Banks (Excluding RRBs)Dear Sir, Financial Inclusion Please refer to Paragraph 96 of the Mid-term Review of Annual Policy Statement for the year 2005-06. 2. The Annual Policy Statement of April 2005, while recognising the concerns in regard to the banking practices that tend to exclude rather than attract vast sections of population, urged banks to review their existing pr

Financial Inclusion

Debt restructuring mechanism for Small and Medium Enterprises (SMEs)

RBI/ 2005-06/ 205 DBOD. BP. BC. No.46 / 21.04.132/ 2005-06@@NBSP@@@@NBSP@@ November 10, 2005 The Chairman/ Managing Director All Commercial Banks Dear Sir, Debt restructuring mechanism for Small and Medium Enterprises (SMEs) Please refer to Para 3 (ii) our circular DBOD. No. BP. BC. No. 34 /21.04.132 /2005-06 September 8, 2005 on the captioned subject in terms of which accounts involving wilful default, fraud and malfeasance are not be eligible for restructuring under

RBI/ 2005-06/ 205 DBOD. BP. BC. No.46 / 21.04.132/ 2005-06@@NBSP@@@@NBSP@@ November 10, 2005 The Chairman/ Managing Director All Commercial Banks Dear Sir, Debt restructuring mechanism for Small and Medium Enterprises (SMEs) Please refer to Para 3 (ii) our circular DBOD. No. BP. BC. No. 34 /21.04.132 /2005-06 September 8, 2005 on the captioned subject in terms of which accounts involving wilful default, fraud and malfeasance are not be eligible for restructuring under

Debt restructuring mechanism for Small and Medium Enterprises (SMEs)

Revised Guidelines on Corporate Debt Restructuring (CDR) Mechanism

RBI /2005-06/ 206 DBOD.No.BP.BC. 45 / 21.04.132/ 2005-06 November 10, 2005 All Commercial Banks/Financial Institutions (excluding RRBs) Dear Sir, Revised Guidelines on Corporate Debt Restructuring (CDR) Mechanism Please refer to our circular DBOD No. BP.BC. 68/21.04.114/2002-03 dated February 5, 2003 on the captioned subject wherein detailed guidelines on Corporate Debt Restructuring System were issued incorporating therein the recommendations of the High Level Group

RBI /2005-06/ 206 DBOD.No.BP.BC. 45 / 21.04.132/ 2005-06 November 10, 2005 All Commercial Banks/Financial Institutions (excluding RRBs) Dear Sir, Revised Guidelines on Corporate Debt Restructuring (CDR) Mechanism Please refer to our circular DBOD No. BP.BC. 68/21.04.114/2002-03 dated February 5, 2003 on the captioned subject wherein detailed guidelines on Corporate Debt Restructuring System were issued incorporating therein the recommendations of the High Level Group

Revised Guidelines on Corporate Debt Restructuring (CDR) Mechanism

Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets

RBI/2005-06/198 DBOD.NO.BP. BC.40/ 21.04.048/ 2005-06 4 November 2005 All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets In terms of the extant prudential guidelines, the standard assets attract a uniform provisioning requirement of 0.25 per cent of the funded outstanding on a portfolio basis. Traditionally, banks’ loans and advances portfoli

RBI/2005-06/198 DBOD.NO.BP. BC.40/ 21.04.048/ 2005-06 4 November 2005 All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets In terms of the extant prudential guidelines, the standard assets attract a uniform provisioning requirement of 0.25 per cent of the funded outstanding on a portfolio basis. Traditionally, banks’ loans and advances portfoli

Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets

Advances against Gold Ornaments and Jewellery

RBI/2005-06/196 DBOD.No.IBD.BC. 663 /23.67.001/2005-06 November 2, 2005 The Chairmen and CEOs of all Scheduled Commercial Banks (Excluding RRBs) Dear Sir Advances against Gold Ornaments and Jewellery Please refer to our circular DBOD. No. BP.BC. 138/21.01.023/94 dated November 22, 1994 on the captioned subject as also earlier circulars enclosed for ready reference. 2. As you are aware, hallmarking of gold jewellery ensures the quality of gold used in the jewellery as

RBI/2005-06/196 DBOD.No.IBD.BC. 663 /23.67.001/2005-06 November 2, 2005 The Chairmen and CEOs of all Scheduled Commercial Banks (Excluding RRBs) Dear Sir Advances against Gold Ornaments and Jewellery Please refer to our circular DBOD. No. BP.BC. 138/21.01.023/94 dated November 22, 1994 on the captioned subject as also earlier circulars enclosed for ready reference. 2. As you are aware, hallmarking of gold jewellery ensures the quality of gold used in the jewellery as

Advances against Gold Ornaments and Jewellery

Rupee Export Credit Interest Rates

RBI/2005-06/195 DBOD Dir (Exp).BC.No.41/04.02.01/2005-06 November 2, 2005 All Scheduled Commercial Banks (excluding RRBs) Dear Sirs, Rupee Export Credit Interest Rates Please refer to our circular (RBI / 2004-05/ 443) DBOD.Dir (Exp). No.83 / 04.02.01/ 2004-05 dated April 29, 2005 on the captioned subject. 2. The validity of the interest rates on rupee export credit indicated in the above circular would now remain in force upto April 30, 2006. In this connection, you m

RBI/2005-06/195 DBOD Dir (Exp).BC.No.41/04.02.01/2005-06 November 2, 2005 All Scheduled Commercial Banks (excluding RRBs) Dear Sirs, Rupee Export Credit Interest Rates Please refer to our circular (RBI / 2004-05/ 443) DBOD.Dir (Exp). No.83 / 04.02.01/ 2004-05 dated April 29, 2005 on the captioned subject. 2. The validity of the interest rates on rupee export credit indicated in the above circular would now remain in force upto April 30, 2006. In this connection, you m

Rupee Export Credit Interest Rates

Guidance Note on Management of Operational Risk

RBI/2005-06/180 DBOD.No.BP.BC.39/ 21.04.118/2004-05 October 14, 2005 To The Chairman All Scheduled Commercial Banks Dear Sir, Guidance Note on Management of Operational Risk 1. As you are aware, The Basel Committee on Banking Supervision (BCBS) released the 'International Convergence of Capital Measurement and Capital Standards – A Revised Framework' in June 2004. In terms of the draft guidelines on implementation of the New Capital Adequacy Framework issued on Februa

RBI/2005-06/180 DBOD.No.BP.BC.39/ 21.04.118/2004-05 October 14, 2005 To The Chairman All Scheduled Commercial Banks Dear Sir, Guidance Note on Management of Operational Risk 1. As you are aware, The Basel Committee on Banking Supervision (BCBS) released the 'International Convergence of Capital Measurement and Capital Standards – A Revised Framework' in June 2004. In terms of the draft guidelines on implementation of the New Capital Adequacy Framework issued on Februa

Guidance Note on Management of Operational Risk