Notifications - Regulating Commercial Banking - ਆਰਬੀਆਈ - Reserve Bank of India
notifications
ਫ਼ਰ 09, 2011
Re-opening of pension option to employees of Public Sector Banks and enhancement in gratuity limits - Prudential Regulatory Treatment
RBI/2010-11/400 DBOD.No. BP.BC.80/ 21.04.018/2010-11 February 9, 2011 All Public Sector Banks Dear Sir, Re-opening of pension option to employees of Public Sector Banks and enhancement in gratuity limits - Prudential Regulatory Treatment Consequent on the re-opening of pension option to employees of Public Sector Banks and enhancement in gratuity limits following the amendment to Payment of Gratuity Act 1972, banks and the Indian Banks’ Association (IBA) have approach
RBI/2010-11/400 DBOD.No. BP.BC.80/ 21.04.018/2010-11 February 9, 2011 All Public Sector Banks Dear Sir, Re-opening of pension option to employees of Public Sector Banks and enhancement in gratuity limits - Prudential Regulatory Treatment Consequent on the re-opening of pension option to employees of Public Sector Banks and enhancement in gratuity limits following the amendment to Payment of Gratuity Act 1972, banks and the Indian Banks’ Association (IBA) have approach
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ਫ਼ਰ 08, 2011
Scheme of 1% interest subvention on housing loans up to Rs. 10 lakh-
RBI/2010-11/ 399 RPCD.SME & NFS. BC.No.@@NBSP@@ 52/06.11.01/2010-2011 February 8, 2011 The Chairman / Managing Director All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Scheme of 1% interest subvention on housing loans up to Rs. 10 lakh– Please refer to our circular RPCD.SME & NFS.BC. No. 16/06.11.01/2010-2011 dated August 09, 2010 and our letter RPCD.SME & NFS.No.4864/06.11.01/2010-2011 dated October 20, 2010 conveying, inter alia, instruc
RBI/2010-11/ 399 RPCD.SME & NFS. BC.No.@@NBSP@@ 52/06.11.01/2010-2011 February 8, 2011 The Chairman / Managing Director All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Scheme of 1% interest subvention on housing loans up to Rs. 10 lakh– Please refer to our circular RPCD.SME & NFS.BC. No. 16/06.11.01/2010-2011 dated August 09, 2010 and our letter RPCD.SME & NFS.No.4864/06.11.01/2010-2011 dated October 20, 2010 conveying, inter alia, instruc
ਫ਼ਰ 04, 2011
Recognition of Permanent Diminution in the Value of Investments in Banks' Subsidiaries / Joint Ventures
RBI/2010-11/398 DBOD.FID.FIC.No.11/01.02.00/2010-11 February 01, 2011 The CEOs of select All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Recognition of Permanent Diminution in the Value of Investments in Banks' Subsidiaries / Joint Ventures In terms of para 14 of Annexure to circular DBS.FID.No.C.9/01.02.00/2000-01 dated November 9, 2000 on ‘Guidelines for Classification and Valuation of investments ', FIs are required
RBI/2010-11/398 DBOD.FID.FIC.No.11/01.02.00/2010-11 February 01, 2011 The CEOs of select All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Recognition of Permanent Diminution in the Value of Investments in Banks' Subsidiaries / Joint Ventures In terms of para 14 of Annexure to circular DBS.FID.No.C.9/01.02.00/2000-01 dated November 9, 2000 on ‘Guidelines for Classification and Valuation of investments ', FIs are required
ਫ਼ਰ 02, 2011
Classification of loans against gold jewellery
RBI/2010-11/397 RPCD.CO.Plan.BC. 51/04.09.01/2010-11 February 2, 2011 The Chairman/ Managing Director/ Chief Executive Officer [All scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Classification of loans against gold jewellery Please refer to paragraph 1.3.14 of our Master Circular on lending to priority sector dated July 1, 2010. 2. It is clarified that loans sanctioned to NBFCs for on-lending to individuals or other entities against gold jewel
RBI/2010-11/397 RPCD.CO.Plan.BC. 51/04.09.01/2010-11 February 2, 2011 The Chairman/ Managing Director/ Chief Executive Officer [All scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Classification of loans against gold jewellery Please refer to paragraph 1.3.14 of our Master Circular on lending to priority sector dated July 1, 2010. 2. It is clarified that loans sanctioned to NBFCs for on-lending to individuals or other entities against gold jewel
ਫ਼ਰ 02, 2011
StCBs/DCCBs - KYC Norms / AML Standards/Combating Financing of Terrorism /Obligation of banks under PMLA, 2002
RBI/2010-11/396 RPCD.CO.RCB.AML.BC. No. 50/07.40.00/ 2010-11 February 2, 2011 The Chief Executives of all State and Central Co-operative Banks Dear Sir, Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 Please refer to our circulars RPCD.AML.BC.No.80/07.40.00/2004-05 dated February 18, 2005 and RPCD.CO.RF.AML. BC.No.51/07.40.00/2007-08 dated February 28, 2008 on Know Yo
RBI/2010-11/396 RPCD.CO.RCB.AML.BC. No. 50/07.40.00/ 2010-11 February 2, 2011 The Chief Executives of all State and Central Co-operative Banks Dear Sir, Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 Please refer to our circulars RPCD.AML.BC.No.80/07.40.00/2004-05 dated February 18, 2005 and RPCD.CO.RF.AML. BC.No.51/07.40.00/2007-08 dated February 28, 2008 on Know Yo
ਜਨ 31, 2011
Recognition of permanent diminution in the value of investments in banks’ subsidiaries/joint ventures
RBI/2010-11/395 DBOD. No. BP.BC.79/21.04.141/2010-11 January 31, 2011 The Chairmen and Managing Directors/ Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Recognition of permanent diminution in the value of investments in banks’ subsidiaries/joint ventures In terms of para 15 of Annexure to circular DBOD.No.BP.BC.32/21.04.048/2000-2001 dated October 16, 2000 on ‘Guidelines for Classification and Valuation of investments by B
RBI/2010-11/395 DBOD. No. BP.BC.79/21.04.141/2010-11 January 31, 2011 The Chairmen and Managing Directors/ Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks) Dear Sir, Recognition of permanent diminution in the value of investments in banks’ subsidiaries/joint ventures In terms of para 15 of Annexure to circular DBOD.No.BP.BC.32/21.04.048/2000-2001 dated October 16, 2000 on ‘Guidelines for Classification and Valuation of investments by B
ਜਨ 31, 2011
List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation
RBI/2010-11/394 DBOD. AML.No. 11884/14.06.001/2010-11 January 31, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation Please refer to our circular letter DBOD. AML.No. 11449/14.06.001/2010-11 dated January 20, 2011. We have since received from Government of India (Mini
RBI/2010-11/394 DBOD. AML.No. 11884/14.06.001/2010-11 January 31, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation Please refer to our circular letter DBOD. AML.No. 11449/14.06.001/2010-11 dated January 20, 2011. We have since received from Government of India (Mini
ਜਨ 28, 2011
Annual Financial Inspection - Priority Sector Loans - Mis-classification by Banks
RBI/2010-11/393 RPCD.CO.Plan.BC. 49/04.09.01/2010-11 January 28, 2011 The Chairman/ Managing Director/ Chief Executive Officer [All scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Annual Financial Inspection – Priority Sector Loans – Mis-classification by Banks The Annual Financial Inspection conducted by the Department of Banking Supervision, Reserve Bank of India, inter-alia, reports cases of misclassification of loans under priority sector an
RBI/2010-11/393 RPCD.CO.Plan.BC. 49/04.09.01/2010-11 January 28, 2011 The Chairman/ Managing Director/ Chief Executive Officer [All scheduled commercial banks (excluding Regional Rural Banks)] Dear Sir, Annual Financial Inspection – Priority Sector Loans – Mis-classification by Banks The Annual Financial Inspection conducted by the Department of Banking Supervision, Reserve Bank of India, inter-alia, reports cases of misclassification of loans under priority sector an
ਜਨ 27, 2011
Opening of "Small Account"
RBI/2010-11/389 DBOD.AML.No. 77/14.01.001/2010-11 January 27, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, Opening of "Small Account" Please find enclosed a copy of the Government of India, Notification No. 14/2010/ F.No.6/2/2007-E.S. dated December 16, 2010, amending the Prevention of Money-laundering (Maintenance of Records of the Nature and Value of Transactions, the Proce
RBI/2010-11/389 DBOD.AML.No. 77/14.01.001/2010-11 January 27, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, Opening of "Small Account" Please find enclosed a copy of the Government of India, Notification No. 14/2010/ F.No.6/2/2007-E.S. dated December 16, 2010, amending the Prevention of Money-laundering (Maintenance of Records of the Nature and Value of Transactions, the Proce
ਜਨ 27, 2011
Relaxations in Branch Authorisation Policy
RBI/2010-11/ 390 DBOD.No.BL.BC. 78/22.01.001/2010-11 January 27, 2011 7 Magha, 1932 ( Saka) All Scheduled Commercial Banks (excluding RRBs) Madam / Dear Sir, Section 23 of the Banking Regulation Act, 1949 Relaxations in Branch Authorisation Policy In terms of Circular DBOD.No.BL.BC. 65/22.01.001/2009-10 dated December 1, 2009, general permission was granted to domestic scheduled commercial banks (other than RRBs) to open branches in Tier -3 to Tier- 6 centres@@NBSP@@
RBI/2010-11/ 390 DBOD.No.BL.BC. 78/22.01.001/2010-11 January 27, 2011 7 Magha, 1932 ( Saka) All Scheduled Commercial Banks (excluding RRBs) Madam / Dear Sir, Section 23 of the Banking Regulation Act, 1949 Relaxations in Branch Authorisation Policy In terms of Circular DBOD.No.BL.BC. 65/22.01.001/2009-10 dated December 1, 2009, general permission was granted to domestic scheduled commercial banks (other than RRBs) to open branches in Tier -3 to Tier- 6 centres@@NBSP@@
ਜਨ 25, 2011
Third Quarter Review of Monetary Policy 2010-11
By Dr. D. Subbarao Governor Introduction There have been significant changes in the macroeconomic environment since the Second Quarter Review issued on November 2, 2010. Globally, the recovery in the advanced economies appears to be consolidating and expectations of growth during 2011, particularly in the US, are generally being revised upwards. However, inflationary tendencies are clearly visible. Though still subdued in the advanced economies, inflationary pressures
By Dr. D. Subbarao Governor Introduction There have been significant changes in the macroeconomic environment since the Second Quarter Review issued on November 2, 2010. Globally, the recovery in the advanced economies appears to be consolidating and expectations of growth during 2011, particularly in the US, are generally being revised upwards. However, inflationary tendencies are clearly visible. Though still subdued in the advanced economies, inflationary pressures
ਜਨ 25, 2011
Liquidity Adjustment Facility - Repo and Reverse Repo Rates
RBI/2010-11/388 FMD.MOAG. No.56/01.01.01/2010-11 January 25, 2011 All Scheduled Commercial Banks (excluding RRBs) and Primary Dealers Dear Sir, Liquidity Adjustment Facility – Repo and Reverse Repo Rates As announced today in the Third Quarter Review of Monetary Policy 2010-11, it has been decided to increase the repo rate under the liquidity adjustment facility (LAF) by 25 basis points from 6.25 per cent to 6.50 per cent and the reverse repo rate by 25 basis points f
RBI/2010-11/388 FMD.MOAG. No.56/01.01.01/2010-11 January 25, 2011 All Scheduled Commercial Banks (excluding RRBs) and Primary Dealers Dear Sir, Liquidity Adjustment Facility – Repo and Reverse Repo Rates As announced today in the Third Quarter Review of Monetary Policy 2010-11, it has been decided to increase the repo rate under the liquidity adjustment facility (LAF) by 25 basis points from 6.25 per cent to 6.50 per cent and the reverse repo rate by 25 basis points f
ਜਨ 25, 2011
Standing Liquidity Facilities for Banks and Primary Dealers
RBI/2010-11/386 REF.No.MPD.BC.340/07.01.279/2010-11 January 25, 2011 To All Scheduled Banks [excluding Regional Rural Banks (RRBs)] and Primary Dealers Dear Sir/Madam, Standing Liquidity Facilities for Banks and Primary Dealers Please refer to the Third Quarter Review of Monetary Policy 2010-11 dated January 25, 2011, in terms of which the repo rate under the Liquidity Adjustment Facility (LAF) has been increased by 25 basis points from 6.25 per cent to 6.50 per cent
RBI/2010-11/386 REF.No.MPD.BC.340/07.01.279/2010-11 January 25, 2011 To All Scheduled Banks [excluding Regional Rural Banks (RRBs)] and Primary Dealers Dear Sir/Madam, Standing Liquidity Facilities for Banks and Primary Dealers Please refer to the Third Quarter Review of Monetary Policy 2010-11 dated January 25, 2011, in terms of which the repo rate under the Liquidity Adjustment Facility (LAF) has been increased by 25 basis points from 6.25 per cent to 6.50 per cent
ਜਨ 25, 2011
Shortfall in Maintenance of SLR - Additional Liquidity Support under LAF
RBI/2010-11/387 Ref. DBOD.No.Ret.BC. 76 /12.02.001/2010-11 January 25, 2011 All Scheduled Commercial Banks Dear Sir, Section 24 of Banking Regulation Act, 1949 - Shortfall in Maintenance of Statutory Liquidity Ratio (SLR) – Additional Liquidity Support under Liquidity Adjustment Facility (LAF) Please refer to our circular DBOD. No. Ret. BC.68/12.02.001/2010-11 dated December 16, 2010 wherein it was advised that Scheduled Commercial Banks may avail of the additional li
RBI/2010-11/387 Ref. DBOD.No.Ret.BC. 76 /12.02.001/2010-11 January 25, 2011 All Scheduled Commercial Banks Dear Sir, Section 24 of Banking Regulation Act, 1949 - Shortfall in Maintenance of Statutory Liquidity Ratio (SLR) – Additional Liquidity Support under Liquidity Adjustment Facility (LAF) Please refer to our circular DBOD. No. Ret. BC.68/12.02.001/2010-11 dated December 16, 2010 wherein it was advised that Scheduled Commercial Banks may avail of the additional li
ਜਨ 25, 2011
Prudential Guidelines on Restructuring of Advances by select All-India Financial Institutions (AIFIs): Credit Support to MFIs
RBI/2010-11/385 DBOD.FID.FIC.No.10@@NBSP@@/01.02.00/2010-11 January 25, 2011 The CEOs of select All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Prudential Guidelines on Restructuring of Advances by select All-India Financial Institutions (AIFIs): Credit Support to MFIs In continuation of our letter DBOD.No.FID.FIC.6 /01.02.00/2010-11 dated October 14, 2010 on the captioned subject, please find enclosed @@NBSP@@DBOD.BP.B
RBI/2010-11/385 DBOD.FID.FIC.No.10@@NBSP@@/01.02.00/2010-11 January 25, 2011 The CEOs of select All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Prudential Guidelines on Restructuring of Advances by select All-India Financial Institutions (AIFIs): Credit Support to MFIs In continuation of our letter DBOD.No.FID.FIC.6 /01.02.00/2010-11 dated October 14, 2010 on the captioned subject, please find enclosed @@NBSP@@DBOD.BP.B
ਜਨ 20, 2011
List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation
RBI/2010-11/380 DBOD. AML.No.11449/14.06.001/2010-11 January 20, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation Please refer to our circular letter DBOD. AML.No.9636/14.06.081/2010-11 dated December 21, 2010.@@NBSP@@ We have since received from Government of India
RBI/2010-11/380 DBOD. AML.No.11449/14.06.001/2010-11 January 20, 2011 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, List of Terrorist Individuals/ Organisations under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation Please refer to our circular letter DBOD. AML.No.9636/14.06.081/2010-11 dated December 21, 2010.@@NBSP@@ We have since received from Government of India
ਜਨ 20, 2011
StCBs/DCCBs - Housing Finance
RBI/2010-11/379 RPCD.CO.RCBD.BC.No. 48/03.03.01/2010-11 January 20, 2011 All State and Central Co-operative Banks Dear Sir Housing Finance Please refer to para 2 (ii) of our circular RPCD.CO.RCBD.BC.No.15/03.03.01/ 2009-10 dated August 13, 2009 on the captioned subject. It has been decided that the exposure of State Co-operative Banks (StCBs) & Central Co-operative Banks (CCBs) to housing finance would, henceforth, be limited to 5 percent of their total assets, as
RBI/2010-11/379 RPCD.CO.RCBD.BC.No. 48/03.03.01/2010-11 January 20, 2011 All State and Central Co-operative Banks Dear Sir Housing Finance Please refer to para 2 (ii) of our circular RPCD.CO.RCBD.BC.No.15/03.03.01/ 2009-10 dated August 13, 2009 on the captioned subject. It has been decided that the exposure of State Co-operative Banks (StCBs) & Central Co-operative Banks (CCBs) to housing finance would, henceforth, be limited to 5 percent of their total assets, as
ਜਨ 20, 2011
Regulatory Capital Instruments - Step up option
RBI/2010-11/381 DBOD.BP.BC.No.75/21.06.001/2010-11@@NBSP@@ January 20, 2011 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs) Dear Sir / Madam, Regulatory Capital Instruments – Step up option In terms of extant instructions, banks have been permitted to issue capital instruments with a ‘step-up’ option viz. Innovative Perpetual Debt Instruments (IPDI) and Upper Tier 2 debt capital instruments (vide circula
RBI/2010-11/381 DBOD.BP.BC.No.75/21.06.001/2010-11@@NBSP@@ January 20, 2011 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs) Dear Sir / Madam, Regulatory Capital Instruments – Step up option In terms of extant instructions, banks have been permitted to issue capital instruments with a ‘step-up’ option viz. Innovative Perpetual Debt Instruments (IPDI) and Upper Tier 2 debt capital instruments (vide circula
ਜਨ 20, 2011
RRBs - Minutes of Meeting of Committee on Investor Education and Protection Fund
RBI/2010–11/378 RPCD.CO.RRB.No.47/ 03.05.33/2010-11 January 20, 2011 The Chairman All Regional Rural Banks/ Dear Sir, Meeting of Committee on Investor Education and Protection Fund - Ministry of Corporate Affairs-Minutes of the meeting We advise that in a meeting of ‘Committee on Investors Education and Protection Fund’ held by the Government of India, Ministry of Corporate Affairs, New Delhi, it has, inter-alia, been decided that banks should make ‘investor awareness
RBI/2010–11/378 RPCD.CO.RRB.No.47/ 03.05.33/2010-11 January 20, 2011 The Chairman All Regional Rural Banks/ Dear Sir, Meeting of Committee on Investor Education and Protection Fund - Ministry of Corporate Affairs-Minutes of the meeting We advise that in a meeting of ‘Committee on Investors Education and Protection Fund’ held by the Government of India, Ministry of Corporate Affairs, New Delhi, it has, inter-alia, been decided that banks should make ‘investor awareness
ਜਨ 19, 2011
Review of Service Charges for Cheque Collection - Local, Outstation and Speed Clearing
RBI/2010-11/377 DPSS.CO.CHD.No. 1671 / 03.06.01 / 2010-11 January 19, 2011 The Chairman and Managing Director / Chief Executive Officer All Scheduled Commercial Banks includin RRBs / UCBs /State Co-operative Banks / District Central Co-operative Banks Madam / Dear Sir, Review of Service Charges for Cheque Collection – Local, Outstation and Speed Clearing Given the advantages of using electronic modes for initiating payments, especially for large value transactions, Re
RBI/2010-11/377 DPSS.CO.CHD.No. 1671 / 03.06.01 / 2010-11 January 19, 2011 The Chairman and Managing Director / Chief Executive Officer All Scheduled Commercial Banks includin RRBs / UCBs /State Co-operative Banks / District Central Co-operative Banks Madam / Dear Sir, Review of Service Charges for Cheque Collection – Local, Outstation and Speed Clearing Given the advantages of using electronic modes for initiating payments, especially for large value transactions, Re
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