Notifications - Regulating Commercial Banking - आरबीआय - Reserve Bank of India
notifications
मे 05, 2021
Credit to MSME Entrepreneurs
RBI/2021-22/30 DoR.RET.REC.09/12.01.001/2021-22 May 05, 2021 All Scheduled Commercial Banks Madam/Sir Credit to MSME Entrepreneurs Please refer to our circular DOR.No.Ret.BC.37/12.01.001/2020-21 dated February 5, 2021, on captioned subject. 2. In terms of the above circular, Scheduled Commercial Banks were allowed to deduct the amount equivalent to credit disbursed to new MSME borrowers from their Net Demand and Time Liabilities (NDTL) for calculation of the Cash Rese
RBI/2021-22/30 DoR.RET.REC.09/12.01.001/2021-22 May 05, 2021 All Scheduled Commercial Banks Madam/Sir Credit to MSME Entrepreneurs Please refer to our circular DOR.No.Ret.BC.37/12.01.001/2020-21 dated February 5, 2021, on captioned subject. 2. In terms of the above circular, Scheduled Commercial Banks were allowed to deduct the amount equivalent to credit disbursed to new MSME borrowers from their Net Demand and Time Liabilities (NDTL) for calculation of the Cash Rese
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मे 05, 2021
Periodic Updation of KYC - Restrictions on Account Operations for Non-compliance
RBI/2021-22/29 DOR. AML.REC 13/14.01.001/2021-22 May 5, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Sir, Periodic Updation of KYC – Restrictions on Account Operations for Non-compliance Please refer to Section 38 of the Master Direction on KYC dated February 25, 2016, in terms of which Regulated Entities (REs) have to carry out periodic updation of KYC of existing customers. Keeping in view the current COVID-19 related restrictions in various parts
RBI/2021-22/29 DOR. AML.REC 13/14.01.001/2021-22 May 5, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Sir, Periodic Updation of KYC – Restrictions on Account Operations for Non-compliance Please refer to Section 38 of the Master Direction on KYC dated February 25, 2016, in terms of which Regulated Entities (REs) have to carry out periodic updation of KYC of existing customers. Keeping in view the current COVID-19 related restrictions in various parts
मे 05, 2021
Utilisation of Floating Provisions/Counter Cyclical Provisioning Buffer
RBI/2021-22/28 DOR.STR.REC.10/21.04.048/2021-22 May 5, 2021 All Scheduled Commercial Banks (Excluding Regional Rural Banks and Payments Banks) Dear Sir/ Madam, Utilisation of Floating Provisions/Counter Cyclical Provisioning Buffer Please refer to our circular DBOD.No.BP.BC.89/21.04.048/2005-06 dated June 22, 2006 and DBOD.No.BP.BC.68/21.04.048/2006-07 dated March 13, 2007 on creation, accounting, disclosures and utilisation of floating provisions by banks. Banks may
RBI/2021-22/28 DOR.STR.REC.10/21.04.048/2021-22 May 5, 2021 All Scheduled Commercial Banks (Excluding Regional Rural Banks and Payments Banks) Dear Sir/ Madam, Utilisation of Floating Provisions/Counter Cyclical Provisioning Buffer Please refer to our circular DBOD.No.BP.BC.89/21.04.048/2005-06 dated June 22, 2006 and DBOD.No.BP.BC.68/21.04.048/2006-07 dated March 13, 2007 on creation, accounting, disclosures and utilisation of floating provisions by banks. Banks may
एप्रि 27, 2021
Guidelines for Appointment of Statutory Central Auditors (SCAs)/Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs)
RBI/2021-22/25 Ref.No.DoS.CO.ARG/SEC.01/08.91.001/2021-22 April 27, 2021 The Chairman/Managing Director/Chief Executive Officer,All Commercial Banks (Excluding RRBs)All Primary (Urban) Co-operative Banks (UCBs)All Non-Banking Finance Companies (NBFCs) (Including Housing Finance Companies) Madam/Dear Sir, Guidelines for Appointment of Statutory Central Auditors (SCAs)/Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs) The fol
RBI/2021-22/25 Ref.No.DoS.CO.ARG/SEC.01/08.91.001/2021-22 April 27, 2021 The Chairman/Managing Director/Chief Executive Officer,All Commercial Banks (Excluding RRBs)All Primary (Urban) Co-operative Banks (UCBs)All Non-Banking Finance Companies (NBFCs) (Including Housing Finance Companies) Madam/Dear Sir, Guidelines for Appointment of Statutory Central Auditors (SCAs)/Statutory Auditors (SAs) of Commercial Banks (excluding RRBs), UCBs and NBFCs (including HFCs) The fol
एप्रि 26, 2021
Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board
RBI/2021-22/24 DOR.GOV.REC.8/29.67.001/2021-22 April 26, 2021 To Commercial Banks (as per applicability) Madam / Sir, Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board A Discussion Paper on ‘Governance in Commercial Banks in India’ was issued by the Reserve Bank on June 11, 2020 to review the framework for governance in the commercial banks. Based on the feedback received, a comprehensive review of the framework has b
RBI/2021-22/24 DOR.GOV.REC.8/29.67.001/2021-22 April 26, 2021 To Commercial Banks (as per applicability) Madam / Sir, Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board A Discussion Paper on ‘Governance in Commercial Banks in India’ was issued by the Reserve Bank on June 11, 2020 to review the framework for governance in the commercial banks. Based on the feedback received, a comprehensive review of the framework has b
एप्रि 22, 2021
Declaration of dividends by banks
RBI/2021-22/23 DOR.ACC.REC.7/21.02.067/2021-22 April 22, 2021 All Commercial Banks and Cooperative Banks, Madam / Sir, Declaration of dividends by banks Please refer to our circular DOR.BP.BC.No.29/21.02.067/2020-21 dated December 4, 2020, and other associated circulars on the captioned subject. 2. In view of the continuing uncertainty caused by the ongoing second wave of COVID-19 in the country, it is crucial that banks remain resilient and proactively raise and cons
RBI/2021-22/23 DOR.ACC.REC.7/21.02.067/2021-22 April 22, 2021 All Commercial Banks and Cooperative Banks, Madam / Sir, Declaration of dividends by banks Please refer to our circular DOR.BP.BC.No.29/21.02.067/2020-21 dated December 4, 2020, and other associated circulars on the captioned subject. 2. In view of the continuing uncertainty caused by the ongoing second wave of COVID-19 in the country, it is crucial that banks remain resilient and proactively raise and cons
एप्रि 12, 2021
Interest Equalization Scheme on Pre and Post Shipment Rupee Export Credit- Extension
RBI/2021-22/21 DOR.CRE.REC.06/04.02.001/2021-22 April 12, 2021 All Scheduled Commercial Banks (excluding RRBs) Small Finance Banks, Primary (Urban) Cooperative Banks and EXIM Bank Dear Sir / Madam, Interest Equalization Scheme on Pre and Post Shipment Rupee Export Credit-Extension Please refer to the instructions issued vide DBR.Dir.BC.No.69/04.02.001/2019-20 dated May 13, 2020. 2. In this connection, Government of India has approved the extension of Interest Equaliza
RBI/2021-22/21 DOR.CRE.REC.06/04.02.001/2021-22 April 12, 2021 All Scheduled Commercial Banks (excluding RRBs) Small Finance Banks, Primary (Urban) Cooperative Banks and EXIM Bank Dear Sir / Madam, Interest Equalization Scheme on Pre and Post Shipment Rupee Export Credit-Extension Please refer to the instructions issued vide DBR.Dir.BC.No.69/04.02.001/2019-20 dated May 13, 2020. 2. In this connection, Government of India has approved the extension of Interest Equaliza
एप्रि 08, 2021
Enhancement of limit of maximum balance per customer at end of the day from ₹1 lakh to ₹2 lakh - Payments Banks (PBs)
RBI/2021-22/20 DoR.LIC.REC.5/16.13.218/2021-22 April 8, 2021 Chief Executive Officers of Payments Banks Dear Sir/Madam, Enhancement of limit of maximum balance per customer at end of the day from ₹1 lakh to ₹2 lakh – Payments Banks (PBs) Please refer to paragraph 3 of Statement on Developmental and Regulatory Policies dated April 7, 2021 on the above subject. 2. In terms of paragraph 4(i) of the ‘Guidelines for Licensing of Payments Banks’ (Licensing Guidelines) dated
RBI/2021-22/20 DoR.LIC.REC.5/16.13.218/2021-22 April 8, 2021 Chief Executive Officers of Payments Banks Dear Sir/Madam, Enhancement of limit of maximum balance per customer at end of the day from ₹1 lakh to ₹2 lakh – Payments Banks (PBs) Please refer to paragraph 3 of Statement on Developmental and Regulatory Policies dated April 7, 2021 on the above subject. 2. In terms of paragraph 4(i) of the ‘Guidelines for Licensing of Payments Banks’ (Licensing Guidelines) dated
एप्रि 08, 2021
Implementation of Section 51A of UAPA, 1967 and Security Council Resolution: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List & Democratic People’s Republic of Korea (DPRK)Order, 2017
RBI/2021-22/19 DoR.AML.REC.03/14.06.001/2021-22 April 08, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967 and Security Council Resolution: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List & Democratic People’s Republic of Korea (DPRK)Order, 2017 Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on April 01, 2021, i
RBI/2021-22/19 DoR.AML.REC.03/14.06.001/2021-22 April 08, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967 and Security Council Resolution: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List & Democratic People’s Republic of Korea (DPRK)Order, 2017 Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on April 01, 2021, i
एप्रि 07, 2021
Asset Classification and Income Recognition following the expiry of Covid-19 regulatory package
RBI/2021-22/17 DOR.STR.REC.4/21.04.048/2021-22 April 7, 2021 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) Madam / Dear Sir, Asset Classification and Income Recognition following the expiry of Covid-19 regulato
RBI/2021-22/17 DOR.STR.REC.4/21.04.048/2021-22 April 7, 2021 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) Madam / Dear Sir, Asset Classification and Income Recognition following the expiry of Covid-19 regulato
एप्रि 05, 2021
Gold Monetization Scheme (GMS), 2015
RBI/2021-22/13 DoR.AUT.REC.2/23.67.001/2021-22 April 5, 2021 All Scheduled Commercial Banks (excluding Regional Rural Banks) Dear Sir/Madam Gold Monetization Scheme (GMS), 2015 In exercise of the powers conferred on the Reserve Bank of India under Section 35A of the Banking Regulation Act, 1949, the RBI makes the following amendments in the Reserve Bank of India (Gold Monetization Scheme, 2015) Master Direction No.DBR.IBD.No.45/23.67.003/2015-16 dated October 22, 2015
RBI/2021-22/13 DoR.AUT.REC.2/23.67.001/2021-22 April 5, 2021 All Scheduled Commercial Banks (excluding Regional Rural Banks) Dear Sir/Madam Gold Monetization Scheme (GMS), 2015 In exercise of the powers conferred on the Reserve Bank of India under Section 35A of the Banking Regulation Act, 1949, the RBI makes the following amendments in the Reserve Bank of India (Gold Monetization Scheme, 2015) Master Direction No.DBR.IBD.No.45/23.67.003/2015-16 dated October 22, 2015
एप्रि 01, 2021
Amendment to Master Direction (MD) on KYC - KYC norms for Self Help Groups (SHGs)
RBI/2021-22/10 DOR.AML.BC.No.1/14.01.001/2021-22 April 1, 2021 The Chairpersons/ CEOs of all the banks Madam/Sir, Amendment to Master Direction (MD) on KYC – KYC norms for Self Help Groups (SHGs) Please refer to Section 43 of the Master Direction on KYC dated February 25, 2016 as amended from time to time, wherein simplified norms for Self Help Groups (SHGs) have been stipulated. 2. In this regard, on a review, it has been decided to amend clause (c) of Section 43 to
RBI/2021-22/10 DOR.AML.BC.No.1/14.01.001/2021-22 April 1, 2021 The Chairpersons/ CEOs of all the banks Madam/Sir, Amendment to Master Direction (MD) on KYC – KYC norms for Self Help Groups (SHGs) Please refer to Section 43 of the Master Direction on KYC dated February 25, 2016 as amended from time to time, wherein simplified norms for Self Help Groups (SHGs) have been stipulated. 2. In this regard, on a review, it has been decided to amend clause (c) of Section 43 to
मार्च 30, 2021
Bilateral Netting of Qualified Financial Contracts- Amendments to Prudential Guidelines
RBI/2020-21/115 DOR.CAP.51/21.06.201/2020-21 March 30, 2021 All Scheduled Commercial Banks (excluding Regional Rural Banks) Madam / Dear Sir, Bilateral Netting of Qualified Financial Contracts- Amendments to Prudential Guidelines The Bilateral Netting of Qualified Financial Contracts Act, 2020 (hereafter referred to as “the Act”), has been notified by the Government of India vide Gazette Notification No. S.O. 3463(E) dated October 1, 2020. The Act provides a legal fra
RBI/2020-21/115 DOR.CAP.51/21.06.201/2020-21 March 30, 2021 All Scheduled Commercial Banks (excluding Regional Rural Banks) Madam / Dear Sir, Bilateral Netting of Qualified Financial Contracts- Amendments to Prudential Guidelines The Bilateral Netting of Qualified Financial Contracts Act, 2020 (hereafter referred to as “the Act”), has been notified by the Government of India vide Gazette Notification No. S.O. 3463(E) dated October 1, 2020. The Act provides a legal fra
मार्च 24, 2021
Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List - Amendment of 8 entries
RBI/2020-21/111 DOR.AML.BC.No.50/14.06.001/2020-21 March 24, 2021 The Chairpersons/CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List – Amendment of 8 entries Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on March 23, 2021, in terms of which “Regulated Entities (REs) shall ensure that in ter
RBI/2020-21/111 DOR.AML.BC.No.50/14.06.001/2020-21 March 24, 2021 The Chairpersons/CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List – Amendment of 8 entries Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on March 23, 2021, in terms of which “Regulated Entities (REs) shall ensure that in ter
मार्च 23, 2021
Amendment to Master Direction (MD) on KYC - Procedure for Implementation of Section 51A of the Unlawful Activities (Prevention) Act, 1967
RBI/2020-21/110 DOR.AML.REC.48/14.01.001/2020-21 March 23, 2021 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir/Madam, Amendment to Master Direction (MD) on KYC – Procedure for Implementation of Section 51A of the Unlawful Activities (Prevention) Act, 1967 Please refer to Chapter IX (‘Requirements/obligations under International Agreements Communications from International Agencies’) of the Master Direction on KYC dated February 25, 2016. In terms of ins
RBI/2020-21/110 DOR.AML.REC.48/14.01.001/2020-21 March 23, 2021 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir/Madam, Amendment to Master Direction (MD) on KYC – Procedure for Implementation of Section 51A of the Unlawful Activities (Prevention) Act, 1967 Please refer to Chapter IX (‘Requirements/obligations under International Agreements Communications from International Agencies’) of the Master Direction on KYC dated February 25, 2016. In terms of ins
मार्च 23, 2021
Large Exposures Framework - Deferment of applicability of limits on non-centrally cleared derivatives exposures
RBI/2020-21/109 DOR.No.CRE.BC.47/21.01.003/2020-21 March 23, 2021 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments BanksLocal Area Banks and Regional Rural Banks) Dear Sir/Madam, Large Exposures Framework – Deferment of applicability of limits on non-centrally cleared derivatives exposures Please refer to circular No.DOR.No.BP.BC.43/21.01.003/2019-20 dated March 23, 2020 on Large Exposures Framework (LEF). 2. On a review it has been decided that
RBI/2020-21/109 DOR.No.CRE.BC.47/21.01.003/2020-21 March 23, 2021 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments BanksLocal Area Banks and Regional Rural Banks) Dear Sir/Madam, Large Exposures Framework – Deferment of applicability of limits on non-centrally cleared derivatives exposures Please refer to circular No.DOR.No.BP.BC.43/21.01.003/2019-20 dated March 23, 2020 on Large Exposures Framework (LEF). 2. On a review it has been decided that
मार्च 12, 2021
Data Format for Furnishing of Credit Information to Credit Information Companies and other Regulatory Measures
RBI/2020-21/106 DoR.FIN.REC.46/20.16.056/2020-21 March 12, 2021 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payment Banks All Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks All-India Financial Institutions (Exim Bank, NABARD, NHB and SIDBI) All Non-Banking Financial Companies (including Housing Finance Companies) All Credit Information Companies Madam / Sir,
RBI/2020-21/106 DoR.FIN.REC.46/20.16.056/2020-21 March 12, 2021 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) excluding Payment Banks All Primary (Urban) Co-operative Banks/State Co-operative Banks/ District Central Co-operative Banks All-India Financial Institutions (Exim Bank, NABARD, NHB and SIDBI) All Non-Banking Financial Companies (including Housing Finance Companies) All Credit Information Companies Madam / Sir,
फेब्रु 24, 2021
Large Exposures Framework - Exemptions
RBI/2020-21/104 DOR.No.CRE.BC.45/21.01.003/2020-21 February 24, 2021 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments Banks Local Area Banks and Regional Rural Banks) Dear Sir/Madam, Large Exposures Framework – Exemptions Please refer to circular No.DBR.No.BP.BC.43/21.01.003/2018-19 dated June 03, 2019 on Large Exposures Framework (LEF) 2. Paragraph 3 of the Annex to the above circular specifies the exposures that are exempt from the LEF. On a r
RBI/2020-21/104 DOR.No.CRE.BC.45/21.01.003/2020-21 February 24, 2021 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments Banks Local Area Banks and Regional Rural Banks) Dear Sir/Madam, Large Exposures Framework – Exemptions Please refer to circular No.DBR.No.BP.BC.43/21.01.003/2018-19 dated June 03, 2019 on Large Exposures Framework (LEF) 2. Paragraph 3 of the Annex to the above circular specifies the exposures that are exempt from the LEF. On a r
फेब्रु 24, 2021
Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List - Amendment of 92 entries
RBI/2020-21/103 DOR.AML.BC.No.44/14.06.001/2020-21 February 24, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List – Amendment of 92 entries Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on December 18, 2020, in terms of which “Regulated Entities (REs) shall ensure tha
RBI/2020-21/103 DOR.AML.BC.No.44/14.06.001/2020-21 February 24, 2021 The Chairpersons/ CEOs of all the Regulated Entities Madam/Dear Sir, Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/ 1989 ISIL (Da'esh) & Al-Qaida Sanctions List – Amendment of 92 entries Please refer to Section 51 of our Master Direction on Know Your Customer dated February 25, 2016 as amended on December 18, 2020, in terms of which “Regulated Entities (REs) shall ensure tha
फेब्रु 23, 2021
Inclusion of “Fino Payments Bank Limited” in the Second Schedule of the Reserve Bank of India Act, 1934
RBI/2020-21/102 DOR.No.Ret.BC.43/12.07.150/2020-21 February 22, 2021 All Scheduled Commercial Banks Dear Sir/Madam Inclusion of “Fino Payments Bank Limited” in the Second Schedule of the Reserve Bank of India Act, 1934 We advise that “Fino Payments Bank Limited” has been included in the Second Schedule to the Reserve Bank of India Act, 1934 vide Notification DoR.NBD.No.2138/16.03.005/2020-21 dated January 01, 2021 and published in the Gazette of India (Part III - Sect
RBI/2020-21/102 DOR.No.Ret.BC.43/12.07.150/2020-21 February 22, 2021 All Scheduled Commercial Banks Dear Sir/Madam Inclusion of “Fino Payments Bank Limited” in the Second Schedule of the Reserve Bank of India Act, 1934 We advise that “Fino Payments Bank Limited” has been included in the Second Schedule to the Reserve Bank of India Act, 1934 vide Notification DoR.NBD.No.2138/16.03.005/2020-21 dated January 01, 2021 and published in the Gazette of India (Part III - Sect
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पेज अंतिम अपडेट तारीख: जून 03, 2025
