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ಆಗ 21, 2012
Revisions to the Guidelines on Securitisation Transactions
RBI//2012-13/170 DNBS. PD. No. 301/3.10.01/2012-13 August 21, 2012 All NBFCs excluding Primary Dealers (PDs) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Detailed Guidelines on Securitisation of Standard Assets were issued to NBFCs vide Circular DBOD.NO.BP.BC.60/21.04.048/2005-06 dated February 01, 2006. 2. In order to prevent unhealthy practices surrounding securitization viz; origination of loans for the sole purpose of securitization and in
RBI//2012-13/170 DNBS. PD. No. 301/3.10.01/2012-13 August 21, 2012 All NBFCs excluding Primary Dealers (PDs) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Detailed Guidelines on Securitisation of Standard Assets were issued to NBFCs vide Circular DBOD.NO.BP.BC.60/21.04.048/2005-06 dated February 01, 2006. 2. In order to prevent unhealthy practices surrounding securitization viz; origination of loans for the sole purpose of securitization and in
ಆಗ 03, 2012
Non Banking Financial Company-Micro Finance Institutions (NBFC-MFIs) - Directions - Modifications
RBI/2012-13/161 DNBS (PD) CC.No.300 /03.10.038/2012-13 August@@NBSP@@ 03 , 2012 All NBFCs Dear Sir, ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) – Directions – Modifications Please refer to the Directions issued vide RBI(PD)CC.250 dated December 02, 2011 wherein a new category of NBFCs, viz., Non Banking Financial Company-Micro Finance Institution (NBFC-MFI) was created along with a regulatory framework governing the same. The Bank has been r
RBI/2012-13/161 DNBS (PD) CC.No.300 /03.10.038/2012-13 August@@NBSP@@ 03 , 2012 All NBFCs Dear Sir, ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) – Directions – Modifications Please refer to the Directions issued vide RBI(PD)CC.250 dated December 02, 2011 wherein a new category of NBFCs, viz., Non Banking Financial Company-Micro Finance Institution (NBFC-MFI) was created along with a regulatory framework governing the same. The Bank has been r
ಆಗ 01, 2012
Revised Capital Adequacy Framework for Off-Balance sheet items for NBFCs - Clarifications
RBI/2012-13/154 DNBS.PD.CC No.299/03.10.001/2012-13 August 1, 2012 To All NBFCs (excluding RNBCs) Dear Sir, Revised Capital Adequacy Framework for Off-Balance sheet items for NBFCs - Clarifications The Bank had issued the circular DNBS.CC.PD.No.252/03.10.01/2011-12 dated Dec 26, 2011 along with notifications DNBS.PD.No.237 and 238/CGM(US)-2011 on the captioned subject. Certain clarifications are issued with regard to the treatment of undrawn / partially undrawn fund-b
RBI/2012-13/154 DNBS.PD.CC No.299/03.10.001/2012-13 August 1, 2012 To All NBFCs (excluding RNBCs) Dear Sir, Revised Capital Adequacy Framework for Off-Balance sheet items for NBFCs - Clarifications The Bank had issued the circular DNBS.CC.PD.No.252/03.10.01/2011-12 dated Dec 26, 2011 along with notifications DNBS.PD.No.237 and 238/CGM(US)-2011 on the captioned subject. Certain clarifications are issued with regard to the treatment of undrawn / partially undrawn fund-b
ಜುಲೈ 26, 2012
KYC Norms/AML Standards/Combating Financing of Terrorism -Risk Categorisation and Updation of Customer Profiles
RBI/2012-13/144 DNBS(PD).CC.No.298/03.10.42 /2012-13 July 26, 2012 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)-Risk Categorization and updation of Customer Profiles Please refer to para 16 on Assessment and Monitoring of Risk of Master Circular DNBS (PD) CC No.285 /03.10.42/ 2012-13 dated July 2, 2012 on KYC/AML/CFT 2. In o
RBI/2012-13/144 DNBS(PD).CC.No.298/03.10.42 /2012-13 July 26, 2012 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)-Risk Categorization and updation of Customer Profiles Please refer to para 16 on Assessment and Monitoring of Risk of Master Circular DNBS (PD) CC No.285 /03.10.42/ 2012-13 dated July 2, 2012 on KYC/AML/CFT 2. In o
ಜುಲೈ 23, 2012
The Non-Banking Financial Company -Factors (Reserve Bank) Directions, 2012
RBI/2012-2013/140 DNBS (PD) CC. No. 297 / Factor / 22.10.91/ 2012-13 July 23, 2012 All NBFCs Dear Sir, The Non-Banking Financial Company –Factors (Reserve Bank) Directions, 2012 The Central Government has notified the Factoring Regulation Act, 2011 on January 22, 2012. The Act aims to regulate Factors and assignment of receivables in favour of Factors, as also delineate the rights and obligations of parties to assignment of receivables. 2. Under the Act, factoring com
RBI/2012-2013/140 DNBS (PD) CC. No. 297 / Factor / 22.10.91/ 2012-13 July 23, 2012 All NBFCs Dear Sir, The Non-Banking Financial Company –Factors (Reserve Bank) Directions, 2012 The Central Government has notified the Factoring Regulation Act, 2011 on January 22, 2012. The Act aims to regulate Factors and assignment of receivables in favour of Factors, as also delineate the rights and obligations of parties to assignment of receivables. 2. Under the Act, factoring com
ಜುಲೈ 11, 2012
Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR Committee's Al Qaida Sanctions List
RBI/2012-13/126 DNBS (PD).CC. No 296/03.10.42/2012-13 July 11, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR 1267 (1999) /1989(2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC.No 294/03.10.42/2012-13 dated July 5, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued a note dated May 25, 2012 (copy enclosed) regarding ch
RBI/2012-13/126 DNBS (PD).CC. No 296/03.10.42/2012-13 July 11, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR 1267 (1999) /1989(2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC.No 294/03.10.42/2012-13 dated July 5, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued a note dated May 25, 2012 (copy enclosed) regarding ch
ಜುಲೈ 11, 2012
Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List
RBI/2012-13/125 DNBS (PD).CC. No295/03.10.42/2012-13 July 11, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List Please refer to DNBS (PD).CC. No 268 /03.10.42 /2011-12 dated April 4, 2012. The Chairman of UN Security Council's@@NBSP@@ 1988 Committee has issued notes dated March 2, 2012, March 19, 2012, May 18, 2012 June 1, 2012 and June 11, 2
RBI/2012-13/125 DNBS (PD).CC. No295/03.10.42/2012-13 July 11, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List Please refer to DNBS (PD).CC. No 268 /03.10.42 /2011-12 dated April 4, 2012. The Chairman of UN Security Council's@@NBSP@@ 1988 Committee has issued notes dated March 2, 2012, March 19, 2012, May 18, 2012 June 1, 2012 and June 11, 2
ಜುಲೈ 05, 2012
Implementation of Section 51-A of UAPA, 1967 - Updates of the UNSCR 1267 (1999) /1989 (2011) Committee's Al Qaida Sanctions List
RBI/2012-13/115 DNBS(PD).CC.No 294/03.10.42/2012-13 July 05, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 - Updates of the UNSCR 1267 (1999) /1989 (2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 271/03.10.42/2011-12 dated May 3, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated April 30, 2012, May 3, 2012, May 7, 2012,
RBI/2012-13/115 DNBS(PD).CC.No 294/03.10.42/2012-13 July 05, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 - Updates of the UNSCR 1267 (1999) /1989 (2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 271/03.10.42/2011-12 dated May 3, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated April 30, 2012, May 3, 2012, May 7, 2012,
ಮೇ 30, 2012
Uniformity in Risk weight for assets covering PPP and post COD projects

RBI/2011-12/581 DNBS.PD.CC.No.276/03.02.089/2011-12 May 30, 2012 All Infrastructure Finance Companies Uniformity in Risk weight for assets covering PPP and post COD projects The Reserve Bank, vide its notification No.DNBS.233/CGM(US)-2011 dated November 21, 2011 viz; Infrastructure Debt Fund-Non-Banking Financial Companies (Reserve Bank) Directions, 2011 issued detailed guidelines with regard to regulation of IDF-NBFCs.In terms of the Guidelines,for the purpose of com

RBI/2011-12/581 DNBS.PD.CC.No.276/03.02.089/2011-12 May 30, 2012 All Infrastructure Finance Companies Uniformity in Risk weight for assets covering PPP and post COD projects The Reserve Bank, vide its notification No.DNBS.233/CGM(US)-2011 dated November 21, 2011 viz; Infrastructure Debt Fund-Non-Banking Financial Companies (Reserve Bank) Directions, 2011 issued detailed guidelines with regard to regulation of IDF-NBFCs.In terms of the Guidelines,for the purpose of com

ಮೇ 29, 2012
Know Your Customer (KYC) guidelines - accounts of proprietary concerns
RBI/2011-12/579 DNBS(PD).CC. No 275/03.10.42/2011-12 May 29, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Know Your Customer (KYC) guidelines - accounts of proprietary concerns A reference is invited to para 1 and Annex vi of the Master Circular DNBS (PD) CC No.231/03.10.42/2011-12 dated July 1, 2011 on Master Circular – 'Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards (AML) - 'Prevention of Money Launderi
RBI/2011-12/579 DNBS(PD).CC. No 275/03.10.42/2011-12 May 29, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Know Your Customer (KYC) guidelines - accounts of proprietary concerns A reference is invited to para 1 and Annex vi of the Master Circular DNBS (PD) CC No.231/03.10.42/2011-12 dated July 1, 2011 on Master Circular – 'Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards (AML) - 'Prevention of Money Launderi
ಮೇ 11, 2012
Core Investment Companies (Reserve Bank) Directions, 2011 - Clarification on CICs Issuing Guarantees
RBI/2011-12/557 DNBS.PD.CC.No.274/03.02.089/2011-12 May 11, 2012 All Core Investment Companies Core Investment Companies (Reserve Bank) Directions, 2011 – Clarification on CICs Issuing Guarantees In terms of the Core Investment Companies (Reserve Bank) Directions, 2011 dated January 05, 2011, every Systemically Important Core Investment Company (CIC-ND-SI) shall, apply to the Reserve Bank of India for grant of Certificate of Registration. Systemically important core i
RBI/2011-12/557 DNBS.PD.CC.No.274/03.02.089/2011-12 May 11, 2012 All Core Investment Companies Core Investment Companies (Reserve Bank) Directions, 2011 – Clarification on CICs Issuing Guarantees In terms of the Core Investment Companies (Reserve Bank) Directions, 2011 dated January 05, 2011, every Systemically Important Core Investment Company (CIC-ND-SI) shall, apply to the Reserve Bank of India for grant of Certificate of Registration. Systemically important core i
ಮೇ 11, 2012
Infrastructure Finance Companies - Eligible Credit Rating Agencies - Brickwork Ratings India Pvt. Ltd.

RBI/2011-12/556 DNBS.PD. CC No. 273/03.10.01/2011-12 May 11 , 2012 All Infrastructure Finance Companies, Non-Banking Financial Companies excluding Residuary Non-Banking Companies Dear Sir, Prudential Norms Directions, 2007 - Infrastructure Finance Companies - Eligible Credit Rating Agencies - Brickwork Ratings India Pvt. Ltd. (Brickwork) Please refer to the Master Circular DNBS (PD) CC No.225@@NBSP@@ / 03.02.001 / 2011-12 dated July 1, 2011 on Non-Banking Financial (N

RBI/2011-12/556 DNBS.PD. CC No. 273/03.10.01/2011-12 May 11 , 2012 All Infrastructure Finance Companies, Non-Banking Financial Companies excluding Residuary Non-Banking Companies Dear Sir, Prudential Norms Directions, 2007 - Infrastructure Finance Companies - Eligible Credit Rating Agencies - Brickwork Ratings India Pvt. Ltd. (Brickwork) Please refer to the Master Circular DNBS (PD) CC No.225@@NBSP@@ / 03.02.001 / 2011-12 dated July 1, 2011 on Non-Banking Financial (N

ಮೇ 11, 2012
NBFCs - Rating of Fixed Deposits by Brickwork Ratings Pvt Ltd
RBI/2011-12/555 DNBS.PD. CC No. 272/03.10.01/2011-12 May 11, 2012 All Non-Banking Financial Companies (except Residuary Non-Banking Companies and Miscellaneous Non-Banking Companies) Dear Sir, Acceptance of Public Deposits Directions, 1998 – Eligible Credit Rating Agencies-Rating of Fixed Deposits by Brickwork Ratings Pvt Ltd (Brickwork) Please refer to the Master Circular DNBS (PD) CC No.223 / 03.02.001 / 2011-12 dated July 1, 2011 on Non-Banking Financial Companies
RBI/2011-12/555 DNBS.PD. CC No. 272/03.10.01/2011-12 May 11, 2012 All Non-Banking Financial Companies (except Residuary Non-Banking Companies and Miscellaneous Non-Banking Companies) Dear Sir, Acceptance of Public Deposits Directions, 1998 – Eligible Credit Rating Agencies-Rating of Fixed Deposits by Brickwork Ratings Pvt Ltd (Brickwork) Please refer to the Master Circular DNBS (PD) CC No.223 / 03.02.001 / 2011-12 dated July 1, 2011 on Non-Banking Financial Companies
ಮೇ 03, 2012
Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR Committee's Al Qaida Sanctions List
RBI/2011-12/531 DNBS(PD).CC. No 271 /03.10.42 /2011-12 May 3, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 - Updates of the UNSCR 1267 (1999) /1989(2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 269 /03.10.42 /2011-12 dated April 4, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated March 14, 2012, March 21, 2012, April
RBI/2011-12/531 DNBS(PD).CC. No 271 /03.10.42 /2011-12 May 3, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 - Updates of the UNSCR 1267 (1999) /1989(2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 269 /03.10.42 /2011-12 dated April 4, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated March 14, 2012, March 21, 2012, April
ಏಪ್ರಿ 04, 2012
Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List
RBI/2011-12/485DNBS (PD).CC. No 268/03.10.42 /2011-12 April 04, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List Please refer to DNBS(PD).CC. No 262/03.10.42 /2011-12 dated March 20, 2012. The Chairman of UN Security Council's@@NBSP@@ 1988 Committee has issued a note dated February 14, 2012 (copy enclosed) regarding changes made in the “1988
RBI/2011-12/485DNBS (PD).CC. No 268/03.10.42 /2011-12 April 04, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1988 (2011) Sanctions List Please refer to DNBS(PD).CC. No 262/03.10.42 /2011-12 dated March 20, 2012. The Chairman of UN Security Council's@@NBSP@@ 1988 Committee has issued a note dated February 14, 2012 (copy enclosed) regarding changes made in the “1988
ಏಪ್ರಿ 04, 2012
Anti-Money Laundering (AML)/Combating of Financing of Terrorism (CFT) - Standards
RBI/2011-12/487 DNBS(PD).CC. No.270 /03.10.42 /2011-12 April 04 , 2012 @@NBSP@@ All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Anti-Money Laundering (AML)/Combating of Financing of Terrorism (CFT) - Standards Please refer to DNBS(PD).CC.No.257/03.10.42/ 2011-12 dated March 14, 2012 on risks arising from the deficiencies in AML/CFT regime of certain jurisdictions. 2. @@NBSP@@Financial Action Task Force (FATF) has updated its Statement o
RBI/2011-12/487 DNBS(PD).CC. No.270 /03.10.42 /2011-12 April 04 , 2012 @@NBSP@@ All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Anti-Money Laundering (AML)/Combating of Financing of Terrorism (CFT) - Standards Please refer to DNBS(PD).CC.No.257/03.10.42/ 2011-12 dated March 14, 2012 on risks arising from the deficiencies in AML/CFT regime of certain jurisdictions. 2. @@NBSP@@Financial Action Task Force (FATF) has updated its Statement o
ಏಪ್ರಿ 04, 2012
Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR Committee's Al Qaida Sanctions List
RBI/2011-12/486 DNBS(PD).CC. No.269 /03.10.42 /2011-12 April 04 , 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR 1267 (1999) /1989( 2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 267 /03.10.42 /2011-12 dated March 26, 2011. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated February 23, 2012, March 6, 2012,
RBI/2011-12/486 DNBS(PD).CC. No.269 /03.10.42 /2011-12 April 04 , 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967 -Updates of the UNSCR 1267 (1999) /1989( 2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 267 /03.10.42 /2011-12 dated March 26, 2011. The Chairman of UN Security Council's 1267/ 1989 Committee has issued notes dated February 23, 2012, March 6, 2012,
ಮಾರ್ಚ್ 26, 2012
Guidelines on Fair Practices Code for NBFCs

RBI/2011-12/470 DNBS.CC.PD.No.266 /03.10.01/2011-12 March 26, 2012 To All NBFCs Dear Sir, Guidelines on Fair Practices Code for NBFCs The Reserve Bank vide its circular dated September 28, 2006, issued guidelines on Fair Practices Code (FPC) for all NBFCs to be adopted by them while doing lending business. The guidelines inter alia, covered general principles on adequate disclosures on the terms and conditions of a loan and also adopting a non-coercive recovery method

RBI/2011-12/470 DNBS.CC.PD.No.266 /03.10.01/2011-12 March 26, 2012 To All NBFCs Dear Sir, Guidelines on Fair Practices Code for NBFCs The Reserve Bank vide its circular dated September 28, 2006, issued guidelines on Fair Practices Code (FPC) for all NBFCs to be adopted by them while doing lending business. The guidelines inter alia, covered general principles on adequate disclosures on the terms and conditions of a loan and also adopting a non-coercive recovery method

ಮಾರ್ಚ್ 26, 2012
Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1267 (1999) /2989 (2011) Committee's Al Qaida Sanctions List
RBI/2011-12/471 DNBS(PD).CC. No 267/03.10.42/2011-12 March 26, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1267 (1999) /2989 (2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 261/03.10.42 /2011-12 dated March 20, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued note on January 26, 2012 (copy enclosed) regarding
RBI/2011-12/471 DNBS(PD).CC. No 267/03.10.42/2011-12 March 26, 2012 All Non Banking Financial Companies / Residuary Non Banking Companies Dear Sir, Implementation of Section 51-A of UAPA, 1967-Updates of the UNSCR 1267 (1999) /2989 (2011) Committee's Al Qaida Sanctions List Please refer to DNBS (PD).CC. No 261/03.10.42 /2011-12 dated March 20, 2012. The Chairman of UN Security Council's 1267/ 1989 Committee has issued note on January 26, 2012 (copy enclosed) regarding
ಮಾರ್ಚ್ 21, 2012
NBFCs - KYC Norms/AML Standards/Combating Financing of Terrorism/Obligation of banks under PMLA, 2002- Assessment and Monitoring of Risk
RBI/2011-12/466 DNBS(PD).CC. No 264/03.10.42/2011-12 March 21, 2012 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)/Obligation of banks under Prevention of Money Laundering Act (PMLA), 2002- Assessment and Monitoring of Risk Please refer to our Master Circular DNBC(PD)CC No 231/03.10.42/2011 -12 dated July 01, 2011 on Know Your
RBI/2011-12/466 DNBS(PD).CC. No 264/03.10.42/2011-12 March 21, 2012 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)/Obligation of banks under Prevention of Money Laundering Act (PMLA), 2002- Assessment and Monitoring of Risk Please refer to our Master Circular DNBC(PD)CC No 231/03.10.42/2011 -12 dated July 01, 2011 on Know Your

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ಪೇಜ್ ಕೊನೆಯದಾಗಿ ಅಪ್ಡೇಟ್ ಆದ ದಿನಾಂಕ: ಮೇ 10, 2024

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