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Master Circulars

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ജൂലൈ 01, 2010
Frauds - Classification and Reporting- UCBs
RBI/2010-11/103 DBS.CO.FrMC.BC.No.2/23.04.001/2010-11 July 01, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Frauds – Classification and Reporting Please refer to our letter DBS.CO. FrMC BC No. 2 /23.04.001/2009-10 dated July 01, 2009 forwarding therewith Master Circular on 'Frauds – Classification & Reporting'. It may be noted that the Master Circular consolidates and updates all the instructions issued during the year sinc
RBI/2010-11/103 DBS.CO.FrMC.BC.No.2/23.04.001/2010-11 July 01, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Frauds – Classification and Reporting Please refer to our letter DBS.CO. FrMC BC No. 2 /23.04.001/2009-10 dated July 01, 2009 forwarding therewith Master Circular on 'Frauds – Classification & Reporting'. It may be noted that the Master Circular consolidates and updates all the instructions issued during the year sinc
ജൂലൈ 01, 2010
Master Circular - Know Your Customer (KYC) Norms / Anti-Money Laundering (AML) Standards / Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002
RBI/ 2010-11/98 UBD.BPD.(PCB).MC.No. /12.05.001/2010-2011 July 1, 2010 Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Master Circular – Know Your Customer (KYC) Norms/Anti-Money Laundering (AML) Standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 This Master Circular is a consolidation of the instructions on Know Your Customer (KYC) norms /Anti-Money Laundering (AML) standards/Combating of Financing of
RBI/ 2010-11/98 UBD.BPD.(PCB).MC.No. /12.05.001/2010-2011 July 1, 2010 Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Master Circular – Know Your Customer (KYC) Norms/Anti-Money Laundering (AML) Standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 This Master Circular is a consolidation of the instructions on Know Your Customer (KYC) norms /Anti-Money Laundering (AML) standards/Combating of Financing of
ജൂലൈ 01, 2010
Master Circular on Investments by Primary (Urban) Co-operative Banks
RBI/2010-2011/99 UBD.(PCB).MC.No.12/16.20.000/2010-11 July 01, 2010 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Investments by Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD. (PCB). MC.No 12/16.20.000/2009-10 dated July 1, 2009 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/guidelines on the sub
RBI/2010-2011/99 UBD.(PCB).MC.No.12/16.20.000/2010-11 July 01, 2010 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Investments by Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD. (PCB). MC.No 12/16.20.000/2009-10 dated July 1, 2009 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/guidelines on the sub
ജൂലൈ 01, 2010
Master Circular on Management of Advances- UCBs
RBI/2010-11/100 UBD.BPD.MC.No.5/13.05.000/2010-11 July 01, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Master Circular on Management of Advances- UCBs Please refer to our Master Circular UBD.BPD (PCB) MC. No.5 /13.05.000 / 2009-10 dated July 1, 2009 on the captioned subject. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued up to June 30, 2010. Yours faithfull
RBI/2010-11/100 UBD.BPD.MC.No.5/13.05.000/2010-11 July 01, 2010 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Master Circular on Management of Advances- UCBs Please refer to our Master Circular UBD.BPD (PCB) MC. No.5 /13.05.000 / 2009-10 dated July 1, 2009 on the captioned subject. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued up to June 30, 2010. Yours faithfull
ജൂലൈ 01, 2010
Master Circular - Frauds - Classification and Reporting
RBI/2010-11/104 DBS. FrMC. BC. No.1/23.04.001/2010-11 July 01, 2010 The Charimen & Chief Executive Officers of all Scheduled Commercial Banks (excluding RRBs) and All India Select Financial Institutions Dear Sir, Frauds – Classification and Reporting Please refer to our letter DBS. FrMC. BC. No.1 /23.04.001/2008-09 dated July 01, 2009 forwarding the Master Circular on 'Frauds – Classification and Reporting'. It may be noted that the Master Circular consolidates an
RBI/2010-11/104 DBS. FrMC. BC. No.1/23.04.001/2010-11 July 01, 2010 The Charimen & Chief Executive Officers of all Scheduled Commercial Banks (excluding RRBs) and All India Select Financial Institutions Dear Sir, Frauds – Classification and Reporting Please refer to our letter DBS. FrMC. BC. No.1 /23.04.001/2008-09 dated July 01, 2009 forwarding the Master Circular on 'Frauds – Classification and Reporting'. It may be noted that the Master Circular consolidates an
ജൂൺ 15, 2010
Display at ATM sites - procedure for lodging of ATM complaints and uniform template for filing complaints

DPSS No.2753/02.10.02/2009-2010

June 15, 2010

The Chairman and Managing Director / Chief Executive Officers
All Scheduled Commercial Banks including RRBs /
Urban Co-operative Banks / State Co-operative Banks /
District Central Co-operative Banks

Madam/Dear Sir,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. To assess the compliance to these instructions we had undertaken random visits to number of ATM sites of various banks across the country. It is observed that at a vast majority of the ATM sites the instructions contained in the circulars referred to above have not been adhered to despite a compliance furnished by the banks.

3. You will appreciate that the above system was introduced keeping in view the interest of bank customers. In view of the above observations, we request you to kindly bestow your personal attention to the matter and ensure that the instructions above are adhered to in letter and spirit.

Yours faithfully,

(G. Padmanabhan)
Chief General Manager

DPSS No.2753/02.10.02/2009-2010

June 15, 2010

The Chairman and Managing Director / Chief Executive Officers
All Scheduled Commercial Banks including RRBs /
Urban Co-operative Banks / State Co-operative Banks /
District Central Co-operative Banks

Madam/Dear Sir,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. To assess the compliance to these instructions we had undertaken random visits to number of ATM sites of various banks across the country. It is observed that at a vast majority of the ATM sites the instructions contained in the circulars referred to above have not been adhered to despite a compliance furnished by the banks.

3. You will appreciate that the above system was introduced keeping in view the interest of bank customers. In view of the above observations, we request you to kindly bestow your personal attention to the matter and ensure that the instructions above are adhered to in letter and spirit.

Yours faithfully,

(G. Padmanabhan)
Chief General Manager

മേയ് 03, 2010
Customer complaints relating to ATM transactions

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

മാർ 19, 2010
Customer complaints relating to ATM transactions

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

ഫെബ്രു 08, 2010
Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF)
RBI/2009-10/308 DBOD.No.BP.BC. 73 /21.06.001/2009-10 February 8, 2010 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Master Circular - Prudential Guidelines on Capital Adequacy@@NBSP@@ and Market Discipline – New Capital Adequacy Framework (NCAF) Please refer to paragraphs 153 and 154 of Second Quarter Review of Monetary Policy 2009-10 announced on October 27, 2009 on Enhancement to Basel II Framework (extract annexed).
RBI/2009-10/308 DBOD.No.BP.BC. 73 /21.06.001/2009-10 February 8, 2010 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Master Circular - Prudential Guidelines on Capital Adequacy@@NBSP@@ and Market Discipline – New Capital Adequacy Framework (NCAF) Please refer to paragraphs 153 and 154 of Second Quarter Review of Monetary Policy 2009-10 announced on October 27, 2009 on Enhancement to Basel II Framework (extract annexed).
സെപ്റ്റം 18, 2009
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)
RBI/2009-10/163 DBOD.No.Ret. BC.45/12.01.001/2009-10 @@NBSP@@September 18, 2009 Bhadra 26, 1931 (Saka) All Scheduled Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) Please refer to the Master Circular RBI/2006-07/145 DBOD.No.Ret.BC.34/12.01.001/2006-07 dated October 11, 2006 on the above mentioned subject. The Master Circular has been suitably updated incorporating instructions
RBI/2009-10/163 DBOD.No.Ret. BC.45/12.01.001/2009-10 @@NBSP@@September 18, 2009 Bhadra 26, 1931 (Saka) All Scheduled Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) Please refer to the Master Circular RBI/2006-07/145 DBOD.No.Ret.BC.34/12.01.001/2006-07 dated October 11, 2006 on the above mentioned subject. The Master Circular has been suitably updated incorporating instructions

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