Master Directions - ആർബിഐ - Reserve Bank of India
Master Directions
The Reserve Bank of India has started issuing Master Directions on all regulatory matters beginning January 2016. The Master Directions consolidate instructions on rules and regulations framed by the Reserve Bank under various Acts including banking issues and foreign exchange transactions.
The process of issuing Master Directions involves issuing one Master Direction for each subject matter covering all instructions on that subject. Any change in the rules, regulation or policy is communicated during the year by way of circulars/press releases. The Master Directions will be updated suitably and simultaneously whenever there is a change in the rules/regulations or there is a change in the policy. All the changes will get reflected in the Master Directions available on the RBI website along with the dates on which changes are made.
Explanations of rules and regulations will be issued by way of Frequently Asked Questions (FAQs) after issue of the Master Directions in easy to understand language wherever necessary. The existing set of Master Circulars issued on various subjects will stand withdrawn with the issue of the Master Direction on the subject.
Master Directions
RBI/DOR/2023-24/104
DOR.MRG.36/21.04.141/2023-24
September 12, 2023
All Commercial Banks (excluding Regional Rural Banks)
Dear Sir / Madam,
Master Direction - Classification, Valuation and Operation of Investment Portfolio of Commercial Banks (Directions), 2023
The extant regulatory instructions on classification and valuation of investment portfolio by commercial banks, as contained in the Reserve Bank of India (Classification, Valuation and Operation of Investment Portfolio of Commercial Banks) Directions, 2021, are largely based on a framework introduced in October 2000 drawing upon the then prevailing global standards and best practices.
2. In view of the significant developments in the global standards on classification, measurement and valuation of investments, the linkages with the capital adequacy framework as well as progress in the domestic financial markets, a need was felt to review and update these norms. Pursuant to the announcement made in the Statement on Developmental and Regulatory Policies dated December 8, 2021, a discussion paper on the subject was issued for public comments on January 14, 2022. Based on the inputs received, it has now been decided to put in place a revised regulatory framework for the investment portfolio.
3. The revised framework updates the regulatory guidelines with global standards and best practices while introducing a symmetric treatment of fair value gains and losses, a clearly identifiable trading book under Held for Trading (HFT), removing the 90-day ceiling on holding period under HFT, removal of ceilings on Held to Maturity and more detailed disclosures on the investment portfolio. Further, to facilitate smooth implementation, illustrative guidance has been developed on the revised framework and annexed to the Directions.
Applicability
4. The revised framework as detailed in the Reserve Bank of India (Classification, Valuation and Operation of Investment Portfolio of Commercial Banks) Directions, 2023 annexed hereto shall be applicable from April 1, 2024, to all Commercial Banks excluding Regional Rural Banks.
5. Reserve Bank of India is issuing these Directions in the exercise of its powers conferred under section 35A of the Banking Regulation Act, 1949, and all the powers enabling it on this behalf.
Yours faithfully,
(Usha Janakiraman)
Chief General Manager
RBI/2023-24/
DOR.MRG.37/21.04.141/2023-24
RBI/DOR/2023-24/104
DOR.MRG.36/21.04.141/2023-24
September 12, 2023
All Commercial Banks (excluding Regional Rural Banks)
Dear Sir / Madam,
Master Direction - Classification, Valuation and Operation of Investment Portfolio of Commercial Banks (Directions), 2023
The extant regulatory instructions on classification and valuation of investment portfolio by commercial banks, as contained in the Reserve Bank of India (Classification, Valuation and Operation of Investment Portfolio of Commercial Banks) Directions, 2021, are largely based on a framework introduced in October 2000 drawing upon the then prevailing global standards and best practices.
2. In view of the significant developments in the global standards on classification, measurement and valuation of investments, the linkages with the capital adequacy framework as well as progress in the domestic financial markets, a need was felt to review and update these norms. Pursuant to the announcement made in the Statement on Developmental and Regulatory Policies dated December 8, 2021, a discussion paper on the subject was issued for public comments on January 14, 2022. Based on the inputs received, it has now been decided to put in place a revised regulatory framework for the investment portfolio.
3. The revised framework updates the regulatory guidelines with global standards and best practices while introducing a symmetric treatment of fair value gains and losses, a clearly identifiable trading book under Held for Trading (HFT), removing the 90-day ceiling on holding period under HFT, removal of ceilings on Held to Maturity and more detailed disclosures on the investment portfolio. Further, to facilitate smooth implementation, illustrative guidance has been developed on the revised framework and annexed to the Directions.
Applicability
4. The revised framework as detailed in the Reserve Bank of India (Classification, Valuation and Operation of Investment Portfolio of Commercial Banks) Directions, 2023 annexed hereto shall be applicable from April 1, 2024, to all Commercial Banks excluding Regional Rural Banks.
5. Reserve Bank of India is issuing these Directions in the exercise of its powers conferred under section 35A of the Banking Regulation Act, 1949, and all the powers enabling it on this behalf.
Yours faithfully,
(Usha Janakiraman)
Chief General Manager
RBI/2023-24/
DOR.MRG.37/21.04.141/2023-24
പിഡിഎഫ് (RBI/DOR/2023-24/103 DOR.ORG.REC.22/21.06.050/2023-24 June 26, 2023 Reserve Bank of India – Master Direction on Minimum Capital Requirements for Operational Risk In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby issues the Directions hereinafter specified. These Directions require a specified Commercial Bank (covered
RBI/DOR/2023-24/103 DOR.ORG.REC.22/21.06.050/2023-24 June 26, 2023 Reserve Bank of India – Master Direction on Minimum Capital Requirements for Operational Risk In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, the Reserve Bank of India being satisfied that it is necessary and expedient in the public interest to do so, hereby issues the Directions hereinafter specified. These Directions require a specified Commercial Bank (covered
RBI/2023-24/97 DCM (NE) No.G-2/08.07.18/2023-24 April 03, 2023 (Updated as on May 15, 2023) The Chairman/The Managing Director/ The Chief Executive Officer All Banks Madam/Dear Sir, Master Direction – Facility for Exchange of Notes and Coins In exercise of the powers conferred under Section 35A of the Banking Regulation Act, 1949, read with sections 28, 38, 39, 58(1) and 58(2)(q) of the Reserve Bank of India Act, 1934, the Reserve Bank of India being satisfied that it
RBI/2023-24/97 DCM (NE) No.G-2/08.07.18/2023-24 April 03, 2023 (Updated as on May 15, 2023) The Chairman/The Managing Director/ The Chief Executive Officer All Banks Madam/Dear Sir, Master Direction – Facility for Exchange of Notes and Coins In exercise of the powers conferred under Section 35A of the Banking Regulation Act, 1949, read with sections 28, 38, 39, 58(1) and 58(2)(q) of the Reserve Bank of India Act, 1934, the Reserve Bank of India being satisfied that it
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RBI/2022-2023/94 A. P. (DIR Series) Circular No. 20 December 12, 2022 All Authorised Dealer Category – I Banks Madam / Sir, Master Direction – Foreign Exchange Management (Hedging of Commodity Price Risk and Freight Risk in Overseas Markets) Directions, 2022 Attention of Authorised Dealer Category - I (AD Cat-I) banks is invited to Regulation 6 and 6A of the Foreign Exchange Management (Foreign Exchange Derivative Contracts) Regulations, 2000 dated May 3, 2000 (Notifi
RBI/2022-23/92 DoR.AUT.REC.No.27/24.01.041/2022-23 April 21, 2022 Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 In exercise of the powers conferred by Sections 35A and Section 56 of the Banking Regula
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RBI/DOR/2021-22/89 DoR.FIN.REC.95/03.10.038/2021-22 March 14, 2022 (Updated as on October 10, 2024) (Updated as on July 25, 2022) All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payments Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ District Central Co-operative Banks All Non-Banking Financial Companies (including Microfinance Institutions and Housing Finance Companies) Madam/ Dear Sir, Master Direction – Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022 Please refer to paragraph 8 of the Statement on Developmental and Regulatory Policies announced as a part of the Bi-monthly Monetary Policy Statement for 2020-21 dated February 5, 2021, regarding review of the regulatory framework for microfinance.
RBI/DOR/2021-22/89 DoR.FIN.REC.95/03.10.038/2021-22 March 14, 2022 (Updated as on October 10, 2024) (Updated as on July 25, 2022) All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payments Banks All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ District Central Co-operative Banks All Non-Banking Financial Companies (including Microfinance Institutions and Housing Finance Companies) Madam/ Dear Sir, Master Direction – Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022 Please refer to paragraph 8 of the Statement on Developmental and Regulatory Policies announced as a part of the Bi-monthly Monetary Policy Statement for 2020-21 dated February 5, 2021, regarding review of the regulatory framework for microfinance.
RBI/DOR/2021-22/87 DOR.CAP.REC.No.61/21.01.002/2021-22 October 26, 2021 (Updated as on March 31, 2022) All Local Area Banks Dear Sir / Madam, Master Direction – Prudential Norms on Capital Adequacy for Local Area Banks (Directions), 2021 Th
RBI/DOR/2021-22/87 DOR.CAP.REC.No.61/21.01.002/2021-22 October 26, 2021 (Updated as on March 31, 2022) All Local Area Banks Dear Sir / Madam, Master Direction – Prudential Norms on Capital Adequacy for Local Area Banks (Directions), 2021 Th
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പേജ് അവസാനം അപ്ഡേറ്റ് ചെയ്തത്: നവംബർ 07, 2024
