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Master Circulars

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ਜੁਲਾ 02, 2012
Master Circular - Prudential norms for classification, valuation and operation of investment portfolio by banks
RBI/2012-13/40 DBOD No. BP. BC.13/21.04.141/2012-13 July 2, 2012 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.19/21.04.141/2011-12 dated July 1, 2011, containing consolidated instructions/guidelines issued to banks till June 30, 2011, on matters relating to prudential norms for classific
RBI/2012-13/40 DBOD No. BP. BC.13/21.04.141/2012-13 July 2, 2012 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.19/21.04.141/2011-12 dated July 1, 2011, containing consolidated instructions/guidelines issued to banks till June 30, 2011, on matters relating to prudential norms for classific
ਜੁਲਾ 01, 2011
Master Circular - Prudential norms for classification, valuation and operation of investment portfolio by banks
RBI/2011-12/65 DBOD No. BP. BC. 19/21.04.141/2011-12 July 1, 2011 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.18 / 21.04.141/ 2010-11 dated July 1, 2010, containing consolidated instructions/guidelines issued to banks till June 30, 2010, on matters relating to prudential norms for class
RBI/2011-12/65 DBOD No. BP. BC. 19/21.04.141/2011-12 July 1, 2011 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.18 / 21.04.141/ 2010-11 dated July 1, 2010, containing consolidated instructions/guidelines issued to banks till June 30, 2010, on matters relating to prudential norms for class
ਜੁਲਾ 06, 2010
Display at ATM sites - procedure for lodging of ATM complaints and uniform template for filing complaints

DPSS.CO.PD.No.52/02.10.02/2010-2011

July 06, 2010

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,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, and DPSS No. 2753/02.10.02/2009-10 dated June 15, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. A recent survey undertaken by RBI across the country has revealed that most of the banks, contrary to the reports submitted to RBI, have not ensured that availability of the complaint templates at their ATMs, which is a matter of concern.

3. In this connection you are requested to submit to Department of Payment and Settlement Systems, Central Office, Reserve Bank of India, by July 31, 2010, your bank’s Action Plan for implementing Reserve Bank’s circular on making available the complaint templates on all ATMs for lodging ATM related complaints. The contact details like name, phone no, e-mail address etc. of a senior functionary of your bank who will be coordinating this matter may also be intimated to us.

Yours faithfully,

(K. Sivaraman)
General Manager

DPSS.CO.PD.No.52/02.10.02/2010-2011

July 06, 2010

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,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, and DPSS No. 2753/02.10.02/2009-10 dated June 15, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. A recent survey undertaken by RBI across the country has revealed that most of the banks, contrary to the reports submitted to RBI, have not ensured that availability of the complaint templates at their ATMs, which is a matter of concern.

3. In this connection you are requested to submit to Department of Payment and Settlement Systems, Central Office, Reserve Bank of India, by July 31, 2010, your bank’s Action Plan for implementing Reserve Bank’s circular on making available the complaint templates on all ATMs for lodging ATM related complaints. The contact details like name, phone no, e-mail address etc. of a senior functionary of your bank who will be coordinating this matter may also be intimated to us.

Yours faithfully,

(K. Sivaraman)
General Manager

ਜੁਲਾ 01, 2010
Master Circular - Prudential norms for classification, valuation and operation of investment portfolio by banks
RBI/2010-11/50 DBOD No. BP. BC. 18/ 21.04.141 / 2010-11 July 1, 2010 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.3 / 21.04.141/ 2009-10 dated July 1, 2009, containing consolidated instructions/guidelines issued to banks till June 30, 2009, on matters relating to prudential norms for cla
RBI/2010-11/50 DBOD No. BP. BC. 18/ 21.04.141 / 2010-11 July 1, 2010 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.3 / 21.04.141/ 2009-10 dated July 1, 2009, containing consolidated instructions/guidelines issued to banks till June 30, 2009, on matters relating to prudential norms for cla
ਜੂਨ 15, 2010
Display at ATM sites - procedure for lodging of ATM complaints and uniform template for filing complaints

DPSS No.2753/02.10.02/2009-2010

June 15, 2010

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,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. To assess the compliance to these instructions we had undertaken random visits to number of ATM sites of various banks across the country. It is observed that at a vast majority of the ATM sites the instructions contained in the circulars referred to above have not been adhered to despite a compliance furnished by the banks.

3. You will appreciate that the above system was introduced keeping in view the interest of bank customers. In view of the above observations, we request you to kindly bestow your personal attention to the matter and ensure that the instructions above are adhered to in letter and spirit.

Yours faithfully,

(G. Padmanabhan)
Chief General Manager

DPSS No.2753/02.10.02/2009-2010

June 15, 2010

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,

Display at ATM sites – procedure for lodging of ATM complaints and uniform template for filing complaints

Kindly refer to our letters DPSS No. 1316/02.10.02/2009-10 dated December 18, 2009, DPSS/CO/PD/2018/02.10.02/2009-10 dated March 19, 2010, on the above subject. We had vide these letters advised banks to display the procedure and contact information, and also make available at all ATM sites, the uniform template circulated by Indian Banks Association (IBA) for lodging of complaints relating to ATM transactions.

2. To assess the compliance to these instructions we had undertaken random visits to number of ATM sites of various banks across the country. It is observed that at a vast majority of the ATM sites the instructions contained in the circulars referred to above have not been adhered to despite a compliance furnished by the banks.

3. You will appreciate that the above system was introduced keeping in view the interest of bank customers. In view of the above observations, we request you to kindly bestow your personal attention to the matter and ensure that the instructions above are adhered to in letter and spirit.

Yours faithfully,

(G. Padmanabhan)
Chief General Manager

ਮਈ 03, 2010
Customer complaints relating to ATM transactions

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

ਮਾਰਚ 19, 2010
Customer complaints relating to ATM transactions

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

May 03, 2010

The Chairman/CEO
All Scheduled Commercial Banks

Dear Sir,

Customer complaints relating to ATM transactions

Kindly refer to our letter No. DPSS/CO/PD/2018/02.10.002/2009-10 dated March 19, 2010 on the introduction of a uniform template for lodging complaints relating to ATM transactions.

2. In this connection we request you to confirm that the templates have since been introduced and are being displayed at your ATMs. We further advise you to place the same on your website also for better customer service.

Yours faithfully,

(K. Sivaraman)
General Manager

ਜੁਲਾ 01, 2009
Master Circular - Prudential norms for classification, valuation and operation of investment portfolio by banks

RBI/ 2009-10/20 DBOD No. BP. BC.3 / 21.04.141 / 2009-10 July 1, 2009 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.5 / 21.04.141/ 2007-08 dated July 1, 2008, containing consolidated instructions/guidelines issued to banks till June 30, 2008, on matters relating to prudential norms for cla

RBI/ 2009-10/20 DBOD No. BP. BC.3 / 21.04.141 / 2009-10 July 1, 2009 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.5 / 21.04.141/ 2007-08 dated July 1, 2008, containing consolidated instructions/guidelines issued to banks till June 30, 2008, on matters relating to prudential norms for cla

ਜੁਲਾ 01, 2008
Master Circular - Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks
RBI/2008-09/ 34 DBOD No. BP. BC. 5 / 21.04.141 / 2008-09 July 1, 2008 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.15 / 21.04.141/ 2007-08 dated July 2, 2007, containing consolidated instructions/guidelines issued to banks till June 30, 2007, on matters relating to prudential norms for c
RBI/2008-09/ 34 DBOD No. BP. BC. 5 / 21.04.141 / 2008-09 July 1, 2008 All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.15 / 21.04.141/ 2007-08 dated July 2, 2007, containing consolidated instructions/guidelines issued to banks till June 30, 2007, on matters relating to prudential norms for c
ਜੁਲਾ 02, 2007
Master Circular - Prudential norms for classification, valuation and operation of investment portfolio by banks
RBI/2007-2008/54 DBOD No. BP. BC.15 / 21.04.141/2007-08 July 2, 2007 All Commercial Banks (excluding RRBs) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.14 / 21.04.141/ 2006-07 dated July 1, 2006 consolidating instructions/guidelines issued to banks till June 30, 2006 on matters relating to prudential norms for classification, valuation and
RBI/2007-2008/54 DBOD No. BP. BC.15 / 21.04.141/2007-08 July 2, 2007 All Commercial Banks (excluding RRBs) Dear Sir, Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks Please refer to the Master Circular No. DBOD. BP. BC.14 / 21.04.141/ 2006-07 dated July 1, 2006 consolidating instructions/guidelines issued to banks till June 30, 2006 on matters relating to prudential norms for classification, valuation and
ਅਕਤੂ 01, 2003
Master Circular on Area of Operation, Branch Licensing Policy, Opening / Upgradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices
UBD.BL(PCB)Cir.No. 1A/07.01.00/2003-04 October 1, 2003 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Area of Operation, Branch Licensing Policy, Opening/Upgradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices Hitherto, the Reserve Bank of India was issuing instructions on matters relating to area of operation of banks, opening of new branches, opening/upgradation of extension counters, ATMs an
UBD.BL(PCB)Cir.No. 1A/07.01.00/2003-04 October 1, 2003 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Area of Operation, Branch Licensing Policy, Opening/Upgradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices Hitherto, the Reserve Bank of India was issuing instructions on matters relating to area of operation of banks, opening of new branches, opening/upgradation of extension counters, ATMs an
ਸਤੰ 19, 2003
Master Circular on Frauds - Classification and Reporting
BSD.IP. 15 /12.03.00/2003-04 September 19, 2003 The Chief Executives of allPrimary (Urban) Cooperative BanksDear Sir,FRAUDS - CLASSIFICATION AND REPORTING As you are aware, Reserve Bank of India has, from time to time, issued guidelines/ instructions to banks in regard to matters relating to classification and reporting of frauds, dacoities, robberies etc. On a review, it has been decided to issue a master circular incorporating the existing guidelines/ instructions a
BSD.IP. 15 /12.03.00/2003-04 September 19, 2003 The Chief Executives of allPrimary (Urban) Cooperative BanksDear Sir,FRAUDS - CLASSIFICATION AND REPORTING As you are aware, Reserve Bank of India has, from time to time, issued guidelines/ instructions to banks in regard to matters relating to classification and reporting of frauds, dacoities, robberies etc. On a review, it has been decided to issue a master circular incorporating the existing guidelines/ instructions a
ਸਤੰ 02, 2003
Prudential Norms for Classification, Valuation and Operation of
Investment Portfolio by Banks
DBOD.No.BP.BC. 21 /21.04.141/2003-04September 2, 2003Chief Executives of all Scheduled Commercial Banks(excluding RRBs and LABs)Dear Sir,Master Circular – Prudential Norms for Cassification,Valuation and Operation of Investment Portfolio by BanksPlease refer to the Master Circular No.DBOD.BP.BC.3/21.04.141/2002-03 dated July 11, 2002 consolidating instructions / guidelines issued to banks till June 30, 2002 on matters relating to prudential norms for classification, v
DBOD.No.BP.BC. 21 /21.04.141/2003-04September 2, 2003Chief Executives of all Scheduled Commercial Banks(excluding RRBs and LABs)Dear Sir,Master Circular – Prudential Norms for Cassification,Valuation and Operation of Investment Portfolio by BanksPlease refer to the Master Circular No.DBOD.BP.BC.3/21.04.141/2002-03 dated July 11, 2002 consolidating instructions / guidelines issued to banks till June 30, 2002 on matters relating to prudential norms for classification, v
ਅਗ 22, 2003
Prudential Norms on Income Recognition, Asset Classification and
Provisioning pertaining to Advances
DBOD No. BP. BC. 15 / 21.04.048 / 2003- 200422nd August 2003All Commercial Banks (excluding RRBs and LABs)Dear Sir,Please refer to the Master Circular No. DBOD. BP. BC. 1/ 21.04.048/ 2002- 2003 dated 4 July 2002 consolidating instructions/ guidelines issued to banks till 30 June 2002 on matters relating to prudential norms on income recognition, asset classification and provisioning pertaining to advances. The Master Circular has been suitably updated by incorporating
DBOD No. BP. BC. 15 / 21.04.048 / 2003- 200422nd August 2003All Commercial Banks (excluding RRBs and LABs)Dear Sir,Please refer to the Master Circular No. DBOD. BP. BC. 1/ 21.04.048/ 2002- 2003 dated 4 July 2002 consolidating instructions/ guidelines issued to banks till 30 June 2002 on matters relating to prudential norms on income recognition, asset classification and provisioning pertaining to advances. The Master Circular has been suitably updated by incorporating
ਅਗ 14, 2003
Interest Rates on Rupee Deposits
held in Domestic, Ordinary Non-Resident (NRO)
and Non-Resident (External) (NRE) Accounts
Ref No. DBOD. Dir .BC. 11/13.03.00/2003-04August 14, 2003Shravana 23, 1925 (S)All Commercial Banks(Excluding Regional Rural Banks and Local Area Banks)Dear Sirs,Master Circular on Interest Rates on Rupee Depositsheld in Domestic, Ordinary Non-Resident (NRO)and Non-Resident (External) (NRE) AccountsAs you are aware, Reserve Bank of India has issued a Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (Exte
Ref No. DBOD. Dir .BC. 11/13.03.00/2003-04August 14, 2003Shravana 23, 1925 (S)All Commercial Banks(Excluding Regional Rural Banks and Local Area Banks)Dear Sirs,Master Circular on Interest Rates on Rupee Depositsheld in Domestic, Ordinary Non-Resident (NRO)and Non-Resident (External) (NRE) AccountsAs you are aware, Reserve Bank of India has issued a Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (Exte
ਅਗ 13, 2001
Frauds - Classification and Reporting
DBS. No. FGV(F).BC. 1 /23.04.001/2001-2002 August 13, 2001 Shravana 22, 1923 [S] The Chief Executives of all commercial banks (excluding RRBs) Dear Sir, FRAUDS - CLASSIFICATION AND REPORTING [updated as on August 13, 2001] As you are aware, Reserve Bank of India has, from time to time, issued a number of guidelines/instructions/directives to banks in regard to matters relating to classification and reporting of frauds, dacoities, robberies etc. To enable the banks to
DBS. No. FGV(F).BC. 1 /23.04.001/2001-2002 August 13, 2001 Shravana 22, 1923 [S] The Chief Executives of all commercial banks (excluding RRBs) Dear Sir, FRAUDS - CLASSIFICATION AND REPORTING [updated as on August 13, 2001] As you are aware, Reserve Bank of India has, from time to time, issued a number of guidelines/instructions/directives to banks in regard to matters relating to classification and reporting of frauds, dacoities, robberies etc. To enable the banks to

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