RBI/2025-26/17 DOR.CRE.REC.No.11/07.10.002/2025-26 April 1, 2025 All Primary (Urban) Co-operative Banks Madam/Dear Sir, Master Circular - Housing Finance for UCBs Please refer to the Master Circular DOR.CRE.REC.No.6/07.10.002/2024-25 dated April 2, 2024 on the captioned subject, consolidating the instructions / guidelines issued to UCBs till April 01, 2024. Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 20

RBI/2025-26/16 DOR.CRE.REC. No.12/08.12.001/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular -– Housing Finance Please refer to the Master Circular DOR.CRE.REC.No.07/08.12.001/2024-25 dated April 02, 2024 consolidating the instructions / guidelines issued to banks till April 01, 2024 relating to Housing Finance. Attached is the revised Master C

RBI/2025-26/15 DOR.CRE.REC.No.05/21.04.172/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)

RBI/2025-26/14 DOR.STR.REC.10/21.04.048/2025-26 April 01, 2025 The Chief Executive Officers All Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular- Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs

RBI/2025-26/13 DOR.STR.REC.9/21.04.048/2025-26 April 01, 2025 All Commercial Banks (excluding RRBs) Madam/Dear Sir Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances

RBI/2025-26/12 DOR. STR. REC. 06/13.07.010/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding Payment Banks and RRBs) Dear Sir / Madam Master Circular - Guarantees and Co-acceptances

RBI/2025-26/11 DoR.STR.REC 07/09.27.000/2025-26 April 01, 2025 The Managing Director/ Chief Executive Officers All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular- Guarantees, Co-acceptances & Letters of Credit - UCBs Please refer to our Master Circular DoR.STR.REC.3/09.27.000/2024-25 dated April 01, 2024 on the captioned subject. Attached is the revised Master Circular, updated to reflect all instructions issued up to March 31, 2025 on the above matter, as listed in the Annex. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2025 and does not contain any new instructions/guidelines.

RBI/2025-26/08 DOR.CAP.REC.2/21.06.201/2025-26 April 01, 2025 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments Banks and Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations Please refer to the Master Circular No. DOR.CAP.REC.4/21.06.201/2024-25 dated April 01, 2024, consolidating therein the prudential guidelines on Basel III capital adequacy issued to banks till that date.

RBI/2025-2026/07 DoR.HGG.GOV.No.1/18.10.010/2025-26 April 1, 2025 The Managing Director/Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam, Master Circular on Board of Directors - UCBs Please refer to our Master Circular DoR.HGG.GOV.No.1/18.10.010/2024-25 dated April 1, 2024 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 subject issued till date.

RBI/2025-26/06 CO.DGBA.GBD.No.S2/31-12-010/2025-2026 April 1, 2025 All Agency Banks Madam / Dear Sir Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission

RBI/2025-26/05 CO.DGBA.GBD.No.S1/31.02.007/2025-26 April 01, 2025 All Agency Banks Madam/Dear Sir Master Circular - Disbursement of Government Pension by Agency Banks

RBI/2025-26/04 FIDD.CO.LBS.BC.No.03/02.01.001/2025-26 April 01, 2025 The Chairman/Managing Director/Chief Executive Officer SLBC/UTLBC Convenor Banks/Lead Banks Madam/Dear Sir, Master Circular – Lead Bank Scheme The Reserve Bank of India has issued a number of guidelines/ instructions on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines/ instructions issued by Reserve Bank of India on Lead Bank Scheme up to March 31, 2025 as listed in the Appendix I.

RBI/2025-26/03 FIDD.CO.GSSD.BC.No.02/09.09.001/2025-26 April 01, 2025 The Chairman/ Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks) Madam/ Dear Sir, Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

RBI/2025-26/02 FIDD.GSSD.CO.BC.No.01/09.01.003/2025-26 April 1, 2025 The Chairman/Managing Director & CEO Public Sector Banks, Private Sector Banks (including Small Finance Banks) Madam/Dear Sir, Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) Please refer to the Master Circular FIDD.GSSD.CO.BC.No.03/09.01.003/2024-25 dated April 16, 2024 on Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM).

RBI/2025-26/01 FIDD.CO.FID.BC. No.4/12.01.033/2025-26 April 01, 2025 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Madam/ Dear Sir Master Circular on SHG-Bank Linkage Programme The Reserve Bank of India has, from time to time, issued a number of guidelines/instructions to banks on SHG-Bank Linkage Programme. The enclosed Master Circular consolidates the circulars issued by Reserve Bank on the subject up to March 31, 2025, as indicated in the Appendix.

RBI/2024-25/ 08 DOR.CAP.REC.4/21.06.201/2024-25 April 01, 2024 All Scheduled Commercial Banks(Excluding Small Finance Banks, Payments Banks and Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations

RBI/2024-25/03 DOR. STR. REC. 2/13.07.010/2024-25 April 01, 2024 All Scheduled Commercial Banks (excluding Payments Banks and RRBs) Dear Sir / Madam Master Circular - Guarantees and Co-acceptances Please refer to the Master Circular DOR. STR. REC.5/13.07.010/2023-24 dated April 1, 2023 consolidating the instructions / guidelines issued to banks till March 31, 2023, relating to Guarantees and Co-acceptances. Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Annex 2. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2016-2017/16 DPSS.CO.PD.PPI.No.01/02.14.006/2016-17 July 01, 2016 All Prepaid Payment Instrument Issuers, System Providers, System Participants and all other Prospective Prepaid Payment Instrument Issuers Madam / Dear Sir, Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India As you are aware, the Reserve Bank of India has, from time to time, issued a number of circulars containing policy guidelines on Issuance and

RBI/2015-16/65 DPSS.CO.PD.Mobile Banking.No.1/02.23.001/2015-16 July 1, 2015 The Chairman and Managing Director / Chief Executive OfficersAll Scheduled Commercial Banks including RRBs /Urban Co-operative Banks / State Co-operative Banks /District Central Co-operative Banks Madam /Dear Sir, Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks As you are aware, the Reserve Bank of India has, from time to time, issued a number of circul

RBI/2014-15/104 DPSS.CO.PD.Mobile Banking. No.2/02.23.001/2014-15 July 1, 2014 (As updated on December 04, 2014) 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, Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks As you are aware, the Reserve Bank of India has, from