Notifications -Regulating Co-operative Banking - ആർബിഐ - Reserve Bank of India
notifications
ഏപ്രി 15, 2005
Maximum Limit on advances-Limits on credit exposure to individuals /Group of borrowers-UCBs
RBI/2004-05/423 UBD.DS. Cir.No.44/13.05.00/2004-05 April 15, 2005 The Chief Executive Officers of All Primary(Urban) Co-operative banks Dear Sir/Madam, Maximum Limit on advances-Limits on credit exposure to individuals /Group of borrowers-UCBs Please refer to our circular UBD. No.DS.PCB.39/13.05.00/1995-96 dated January 16, 1996 read with circular UBD.No.DS.Cir 31/13.05.00/1999-2000 dated April 1, 2000 on captioned subject. At present the prudential exposure ceiling s
RBI/2004-05/423 UBD.DS. Cir.No.44/13.05.00/2004-05 April 15, 2005 The Chief Executive Officers of All Primary(Urban) Co-operative banks Dear Sir/Madam, Maximum Limit on advances-Limits on credit exposure to individuals /Group of borrowers-UCBs Please refer to our circular UBD. No.DS.PCB.39/13.05.00/1995-96 dated January 16, 1996 read with circular UBD.No.DS.Cir 31/13.05.00/1999-2000 dated April 1, 2000 on captioned subject. At present the prudential exposure ceiling s
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ഏപ്രി 11, 2005
Donations / Contributions for public /charitable purposes out of profits of UCBs
RBI/2004-05/418 UBD(PCB). / BPD/Cir. 43 / 09.72.00 /2004-05 April 11, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Donations / Contributions for public /charitable purposes out of profits of UCBs Some of the State Co-operative Societies Acts and the Multi-State Co-operative Societies Act permit co-operative societies registered there under to set apart a certain portion of their net profits as charity fund and give donat
RBI/2004-05/418 UBD(PCB). / BPD/Cir. 43 / 09.72.00 /2004-05 April 11, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Donations / Contributions for public /charitable purposes out of profits of UCBs Some of the State Co-operative Societies Acts and the Multi-State Co-operative Societies Act permit co-operative societies registered there under to set apart a certain portion of their net profits as charity fund and give donat
മാർ 30, 2005
Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs
RBI/2004-05/410 UBD(PCB).Cir.42/09.140.00/2004-05 March 30, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs Please refer to para 2(ii) regarding accounting of accrued interest of borrowal accounts which are performing assets, of our circular UBD.No.I & L(PCB)/
RBI/2004-05/410 UBD(PCB).Cir.42/09.140.00/2004-05 March 30, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs Please refer to para 2(ii) regarding accounting of accrued interest of borrowal accounts which are performing assets, of our circular UBD.No.I & L(PCB)/
മാർ 28, 2005
Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments
RBI/2004-05/403 UBD(PCB). Cir.41/16.20.00/2004-05 March 28, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments Please refer to our circular UBD.PCB. No.16/16.20.00/2004-05 dated 02.09.2004 on the captioned subject wherein, UCBs were permitted, as a one time measure to shift SLR securities to the HTM category any time, once mor
RBI/2004-05/403 UBD(PCB). Cir.41/16.20.00/2004-05 March 28, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments Please refer to our circular UBD.PCB. No.16/16.20.00/2004-05 dated 02.09.2004 on the captioned subject wherein, UCBs were permitted, as a one time measure to shift SLR securities to the HTM category any time, once mor
മാർ 01, 2005
Enhancement of transparency on bank’s affairs through disclosures-UCBs
RBI / 2004-05/ 381 UBD(PCB).CIR.40/16.45.00/2004 -2005 March 1, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Enhancement of transparency on bank’s affairs through disclosures-UCBs The Reserve Bank has been taking several steps from time to time to enhance the transparency of banks by having comprehensive requirements for disclosure in tune with the best practices. RBI circular dated 30.10.2002 advising UCBs having deposit
RBI / 2004-05/ 381 UBD(PCB).CIR.40/16.45.00/2004 -2005 March 1, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Enhancement of transparency on bank’s affairs through disclosures-UCBs The Reserve Bank has been taking several steps from time to time to enhance the transparency of banks by having comprehensive requirements for disclosure in tune with the best practices. RBI circular dated 30.10.2002 advising UCBs having deposit
ഫെബ്രു 26, 2005
Investment Portfolio of Banks- Reporting System
RBI/2004-05/ 375 UBD.BPD.( PCB).No.37 /12.05.01/ 2004-05 February 26,2005 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, @@NBSP@@ Investment Portfolio of Banks- Reporting System As you are aware, presently in terms of para (ii) under Audit, Review and Reporting of our circular UBD. Plan No.13/UB.81/92-93, dated September 13, 1992 the banks are required to subject their transactions relating to sale/purchase of government securities to aud
RBI/2004-05/ 375 UBD.BPD.( PCB).No.37 /12.05.01/ 2004-05 February 26,2005 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, @@NBSP@@ Investment Portfolio of Banks- Reporting System As you are aware, presently in terms of para (ii) under Audit, Review and Reporting of our circular UBD. Plan No.13/UB.81/92-93, dated September 13, 1992 the banks are required to subject their transactions relating to sale/purchase of government securities to aud
ജനു 10, 2005
UCBs to use Names as appearing in Certificate of Registration and Licence
RBI/2004-05/339UBD (PCB).Cir. 34/16.51.00/2004-05 January 10, 2005 The Chief Executive Officers of All Primary(urban) Co-operative Banks Dear Sir/Madam, Names as appearing in the Certificate of Registration and the Licence - use of- Primary (urban) Co-operative Banks (UCBs) Please refer to our circular UBD.No.BR/11/16.51.00/98-99 dated December 11, 1998 and subsequent circular UBD.CO.BR.No.538/16.51.00/2000-01 dated May 21, 2001 on the above subject advising UCBs to d
RBI/2004-05/339UBD (PCB).Cir. 34/16.51.00/2004-05 January 10, 2005 The Chief Executive Officers of All Primary(urban) Co-operative Banks Dear Sir/Madam, Names as appearing in the Certificate of Registration and the Licence - use of- Primary (urban) Co-operative Banks (UCBs) Please refer to our circular UBD.No.BR/11/16.51.00/98-99 dated December 11, 1998 and subsequent circular UBD.CO.BR.No.538/16.51.00/2000-01 dated May 21, 2001 on the above subject advising UCBs to d
ജനു 05, 2005
Receipt of Foreign Contribution under FC(R) Act : UCBs
RBI/2004-05/329 UBD. PCB. Cir.No.32/12.05.00/2004-05 January 05, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Receipt of foreign contributions by Associations/organizations in India Under Foreign Contribution(Regulation) Act, 1976 Please refer to our circular UBD.No.BSD-I/PCB/18/12.05.00/98-99 dated January 30, 1999 advising banks to ensure compliance with the various provisions of Foreign Contribution (Regulation)
RBI/2004-05/329 UBD. PCB. Cir.No.32/12.05.00/2004-05 January 05, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Receipt of foreign contributions by Associations/organizations in India Under Foreign Contribution(Regulation) Act, 1976 Please refer to our circular UBD.No.BSD-I/PCB/18/12.05.00/98-99 dated January 30, 1999 advising banks to ensure compliance with the various provisions of Foreign Contribution (Regulation)
ജനു 05, 2005
Risk Weight on Housing Finance and Consumer Credit- UCBs
RBI/2004-05/330 UBD. PCB.Cir. 33 /09.116.00/2004-05 January 5, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Risk Weight on Housing Finance and Consumer Credit- UCBs Please refer to our circular UBD.POT.PCB.18/09.22.01/2002-03 dated September 30, 2002, wherein, the risk weight on housing loans extended by banks to individuals against mortgage of residential housing properties was reduced to 50 percent for capital adequacy purpos
RBI/2004-05/330 UBD. PCB.Cir. 33 /09.116.00/2004-05 January 5, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Risk Weight on Housing Finance and Consumer Credit- UCBs Please refer to our circular UBD.POT.PCB.18/09.22.01/2002-03 dated September 30, 2002, wherein, the risk weight on housing loans extended by banks to individuals against mortgage of residential housing properties was reduced to 50 percent for capital adequacy purpos
ഡിസം 17, 2004
Reporting of Call/Notice Money Market Transactions
RBI/2004-05/304 UBD. No. PCB. Cir. 31 /13.01.00/2004-05 December 17, 2004 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Reporting of Call/Notice Money Market Transactions Please refer to our circular UBD No. DS. PCB. CIR. 31/13.01.00/2001-02 dated February 16, 2002 advising the UCBs to report their call/notice money transactions on a daily basis by fax to the Advisor-in-Charge, Monetary Policy Department (MPD), R.B.I., Central Office, Mu
RBI/2004-05/304 UBD. No. PCB. Cir. 31 /13.01.00/2004-05 December 17, 2004 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Reporting of Call/Notice Money Market Transactions Please refer to our circular UBD No. DS. PCB. CIR. 31/13.01.00/2001-02 dated February 16, 2002 advising the UCBs to report their call/notice money transactions on a daily basis by fax to the Advisor-in-Charge, Monetary Policy Department (MPD), R.B.I., Central Office, Mu
ഡിസം 15, 2004
Guidelines on Know Your Customer' and Anti Money Laundering Standards-UCBs
RBI/2004-05/302UBD.PCB. Cir30/09.161.00/2004-05 December 15, 2004The Chief Executive Officer of All Primary (Urban) Co-operative BanksDear Sir/Madam, Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards-UCBs Please refer to our circular UBD.No.DS.PCB.Cir 17/13.01.00/2002-03 dated September 18, 2002 on the guidelines on 'Know Your Customer' norms. Banks were advised to follow certain customer identification procedure for opening of accounts and monito
RBI/2004-05/302UBD.PCB. Cir30/09.161.00/2004-05 December 15, 2004The Chief Executive Officer of All Primary (Urban) Co-operative BanksDear Sir/Madam, Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards-UCBs Please refer to our circular UBD.No.DS.PCB.Cir 17/13.01.00/2002-03 dated September 18, 2002 on the guidelines on 'Know Your Customer' norms. Banks were advised to follow certain customer identification procedure for opening of accounts and monito
ഡിസം 14, 2004
Priority Sector Lending: - Housing Loan - Ceiling enhanced for UCBs
RBI/2004-05/299 UBD. BPD (PCB).Cir.29/09.09.01/04-05 December 14, 2004 The Chief Executive Officers All Primary (Urban) Co-operative banks Dear Sir/Madam, Priority Sector Lending: - Housing Loan -Enhancement of Ceiling for UCBs Please refer to para 1.8.1.1 of Annexure I to our Master Circular UBD.BPD. (PCB) MC.No.1 /09.09.01/2004-05 dated July 2, 2004 on Priority Sector lending in terms of which direct housing loans to individuals by banks up to Rs.10 lakh for constru
RBI/2004-05/299 UBD. BPD (PCB).Cir.29/09.09.01/04-05 December 14, 2004 The Chief Executive Officers All Primary (Urban) Co-operative banks Dear Sir/Madam, Priority Sector Lending: - Housing Loan -Enhancement of Ceiling for UCBs Please refer to para 1.8.1.1 of Annexure I to our Master Circular UBD.BPD. (PCB) MC.No.1 /09.09.01/2004-05 dated July 2, 2004 on Priority Sector lending in terms of which direct housing loans to individuals by banks up to Rs.10 lakh for constru
നവം 01, 2004
Prudential norms- State Government guaranteed exposures
RBI / 2004-05/ 262 UBD.PCB.Cir. 26/09.140.00 /2004-05 November 1, 2004 @@NBSP@@ The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Prudential norms- State Government guaranteed exposures Please refer to our Master Circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 on Prudential Norms, Income Recognition, Asset Classification, Provisioning and other related matters, which contained, inter alia, prudential norms regarding St
RBI / 2004-05/ 262 UBD.PCB.Cir. 26/09.140.00 /2004-05 November 1, 2004 @@NBSP@@ The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Prudential norms- State Government guaranteed exposures Please refer to our Master Circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 on Prudential Norms, Income Recognition, Asset Classification, Provisioning and other related matters, which contained, inter alia, prudential norms regarding St
നവം 01, 2004
SCBs - Interest Rates on NRE Deposits Raised
RBI/2004-05/256 DBOD No. Dir. 53/13.03.00/2004-05 November 1, 2004 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to the paragraph 71 of the statement on 'Mid-term Review of the Annual Policy Statement for the year 2004-05' enclosed to Governor’s letter MPD.No.256/ 07.01.279/2004-05 dated October 26, 2004 (copy of the paragraph enclosed). 2. In this context, please refer to item (iii
RBI/2004-05/256 DBOD No. Dir. 53/13.03.00/2004-05 November 1, 2004 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to the paragraph 71 of the statement on 'Mid-term Review of the Annual Policy Statement for the year 2004-05' enclosed to Governor’s letter MPD.No.256/ 07.01.279/2004-05 dated October 26, 2004 (copy of the paragraph enclosed). 2. In this context, please refer to item (iii
നവം 01, 2004
UCBs - Tenor of Domestic Term Deposits Reduced
RBI/2004-05/271 UBD.No.28/13.01.00/2004-05 November 1, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Mid-term Review of Annual Policy Statement for the year 2004-05 – Reduction of Tenor of Domestic/ Ordinary Non-Resident (NRO) Term Deposits Please refer to the paragraph 5(A) of our Master Circular UBD.No.BPD.MC.No.11/13.01.00/04-05 dated September 17, 2004 on Interest rates on Rupee Deposits accepted and renewed under different
RBI/2004-05/271 UBD.No.28/13.01.00/2004-05 November 1, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Mid-term Review of Annual Policy Statement for the year 2004-05 – Reduction of Tenor of Domestic/ Ordinary Non-Resident (NRO) Term Deposits Please refer to the paragraph 5(A) of our Master Circular UBD.No.BPD.MC.No.11/13.01.00/04-05 dated September 17, 2004 on Interest rates on Rupee Deposits accepted and renewed under different
ഒക്ടോ 20, 2004
Systems and procedures - Best practices
RBI No. /2004-05/ 228 UBD.No. BPD. IP. 24 / 12.05.01/ 2004-05 October 20, 2004 Chief Executive Officers of all Primary (Urban) Cooperative Banks Dear Sir / Madam, Systems and procedures – Best practices The Joint Parliamentary Committee which inquired into stock market scam and matters relating thereto has observed that RBI must identify best practices found across banks and establish uniform standards to be followed by all the banks. 2. Reserve Bank of India also fee
RBI No. /2004-05/ 228 UBD.No. BPD. IP. 24 / 12.05.01/ 2004-05 October 20, 2004 Chief Executive Officers of all Primary (Urban) Cooperative Banks Dear Sir / Madam, Systems and procedures – Best practices The Joint Parliamentary Committee which inquired into stock market scam and matters relating thereto has observed that RBI must identify best practices found across banks and establish uniform standards to be followed by all the banks. 2. Reserve Bank of India also fee
സെപ്റ്റം 27, 2004
Time Extended for UCBs to make Additional Provisioning for NPAs
RBI / 2004-05/194 UBD.PCB.Cir.21 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Annual Policy Statement for the Year 2004-05: Additional provisioning requirements for NPAs Please refer to our circular UBD.BPD.PCB. Cir 55/12.05.05/03-04 dated June 30, 2004, wherein UCBs were advised about the enhanced provisioning requirement on the secured portion of advances classified as doubtful for more t
RBI / 2004-05/194 UBD.PCB.Cir.21 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Annual Policy Statement for the Year 2004-05: Additional provisioning requirements for NPAs Please refer to our circular UBD.BPD.PCB. Cir 55/12.05.05/03-04 dated June 30, 2004, wherein UCBs were advised about the enhanced provisioning requirement on the secured portion of advances classified as doubtful for more t
സെപ്റ്റം 27, 2004
UCBs given more Time to make Additional Provisioning for Doubtful Debts
RBI / 2004-05/195 UBD.PCB.Cir.22 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset classification, Provisioning and other related matters Please refer to our circular UBD.No.BSD.I.15/12.05.05/02-03 dated September 11, 2002 advising UCBs that with effect from March 31, 2005 an asset would be classified as doubtful if it remained in the sub-standard category for 12 months
RBI / 2004-05/195 UBD.PCB.Cir.22 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset classification, Provisioning and other related matters Please refer to our circular UBD.No.BSD.I.15/12.05.05/02-03 dated September 11, 2002 advising UCBs that with effect from March 31, 2005 an asset would be classified as doubtful if it remained in the sub-standard category for 12 months
സെപ്റ്റം 13, 2004
Section 42(1) of Reserve Bank of India Act 1934 - Maintenance of Cash Reserve Ratio (CRR) by Scheduled Primary (Urban) Co-operative Banks
RBI /2004-05 /173UBD. PCB. Cir 19 /16.11.00/2004-05 September 13, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative banks Dear Sir/Madam, Please refer to our Circular UBD. BP.Cir 10/16.11.00/02-03 dated April 29, 2003 on the above subject, in terms of which scheduled primary (urban) co-operative banks are required to maintain an average CRR of 4.5% of their NDTL. On a review of current liquidity conditions, it has been decided to increase
RBI /2004-05 /173UBD. PCB. Cir 19 /16.11.00/2004-05 September 13, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative banks Dear Sir/Madam, Please refer to our Circular UBD. BP.Cir 10/16.11.00/02-03 dated April 29, 2003 on the above subject, in terms of which scheduled primary (urban) co-operative banks are required to maintain an average CRR of 4.5% of their NDTL. On a review of current liquidity conditions, it has been decided to increase
സെപ്റ്റം 04, 2004
Income Recognition, Asset Classification and Provisioning - Adoption of 90 - days Norm
RBI /163/2004-05 UBD.PCB.Cir 17 /13.04.00/2004-05 September 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 -days Norm Please refer to our circular UBD.PCB. Cir No. 9/13.04.00/04-05 dated August 4, 2004 on the above subject, wherein UCBs were advised that 90-day loan impairment norm will be applicable to gold loans and small loans upto Rs. 1 lakh w
RBI /163/2004-05 UBD.PCB.Cir 17 /13.04.00/2004-05 September 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 -days Norm Please refer to our circular UBD.PCB. Cir No. 9/13.04.00/04-05 dated August 4, 2004 on the above subject, wherein UCBs were advised that 90-day loan impairment norm will be applicable to gold loans and small loans upto Rs. 1 lakh w
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