Regulating Commercial Banking

RBI/2008-09/314 DBOD.Dir.(Exp).BC.No.95/04.02.01/2008-09 December 8, 2008 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Rupee Export Credit Interest Rates – Interest on overdue export bills Please refer to para 4.2.5 of our Master Circular DBOD. No. Dir.(Exp.)BC.No.09/ 04.02.02/2008-09 dated July 1, 2008 on the captioned subject.@@NBSP@@ In respect of overdue bills, banks have been permitted to charge the rates fixed for Export Credit Not Otherwise Specifi

RBI/2008-09/311 DBOD.No.BP.BC.No.93@@NBSP@@ /21.04.132/2008-09 December 8, 2008 The Chairman and Managing Directors / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs & LABs) Dear Sir, Prudential Guidelines on Restructuring of Advances by Banks Please refer to our Press Release dated December 6, 2008 regarding RBI's Growth Stimulus.@@NBSP@@ As indicated therein, it has been decided to effect the following modifications to prudential guide

RBI/2008-2009/313DBOD.No.BP.BC.94 /08.12.001/2008-09December 08, 2008The Chairman & Managing Directors /Chief Executive Officers ofAll Scheduled Commercial Banks(Excluding RRBs and LABs)Dear Sir,Lending under Consortium Arrangement / Multiple Banking ArrangementsPlease refer to our circular RBI/2008-2009/183/DBOD.No.BP.BC.46/08.12.001/2008- 09@@NBSP@@dated September 19, 2008 on the captioned subject.2. The formats for declaration of information by the borrower at

RBI / 2008-09 / 296 DBOD.No.Leg.BC. 86 /09.07.005/2008-09 November 25, 2008 All Scheduled Commercial Banks / All India Financial Institutions (Excluding RRBs) Dear Sir, Guidelines on Fair Practices Code for Lenders- Disclosing all information relating to processing fees / charges Please refer to our Circular DBOD.No.Leg.BC.65 /09.07.005/2006-07 dated March 6, 2007 wherein banks / FIs were advised that loan application forms in respect of all categories of loans irresp

RBI.No.2008-09/282DBOD.BP.BC. 83 / 21.01.002/2008-09November 15, 2008All Commercial Banks (excluding RRBs and LABs)Dear Sirs,Review of Prudential Norms – Provisioning for Standard Assets and Risk Weights forExposures to Corporates, Commercial Real Estate and NBFC- ND-SIPlease refer to paragraph 5.5 of our Master Circular DBOD.No.BP.BC.20/21.04.048/2008-09 dated July 1, 2008 on IRAC Norms indicating the extant general provisioning requirements in respect of various typ

RBI 2008-09/278 DBOD.No.BP.BC. 78 /21.04.048/2008-09 November 11, 2008 The Chairman / CMD / MD / CEO All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs) Dear Sir Union Budget 2008-09 – Agricultural Debt Waiver and Debt Relief Scheme, 2008 – Prudential Norms on Income Recognition, Asset Classification, Provisioning and Capital Adequacy Please refer to our circular DBOD.No.BP.BC. 26/21.04.048/2008-09@@NBSP@@dated July 30 2008, on the captioned s