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Official Website of Reserve Bank of India
Draft Notifications
ஆக. 11, 2016
Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions
Draft Circular (for public comments) RBI/2016-17/ DBR.No.Leg.BC. /09.07.005/2016-17 August 11, 2016 All Scheduled Commercial Banks (including RRBs) All Co-operative Banks Dear Sir/Madam, Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions Please refer to our circular DBOD.Leg.BC.86/09.07.007/2001-02 dated April 8, 2002 regarding reversal of erroneous debits arising from fraudulent and other transactions. 2. With the in
Draft Circular (for public comments) RBI/2016-17/ DBR.No.Leg.BC. /09.07.005/2016-17 August 11, 2016 All Scheduled Commercial Banks (including RRBs) All Co-operative Banks Dear Sir/Madam, Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions Please refer to our circular DBOD.Leg.BC.86/09.07.007/2001-02 dated April 8, 2002 regarding reversal of erroneous debits arising from fraudulent and other transactions. 2. With the in
ஆக. 01, 2016
Guidelines for ‘on tap’ Licensing of Universal Banks in the Private Sector
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee, and other viewpoints, the Reserve Bank came
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee, and other viewpoints, the Reserve Bank came
ஜூலை 07, 2016
Statutory Branch Auditors recommended for appointment in Public Sector Banks – 2015-16
During the year 2015-16, all the 25 PSBs have exercised managerial autonomy in regard to selection and appointment of SBAs. The names of audit firms recommended by these 25 banks and approved by RBI are displayed on the web-site. While approving names of audit firms, banks were advised not to allot more than three branches per audit firm and that they should allot branches, to the extent possible, to the audit firms taking into consideration their category and audit e
During the year 2015-16, all the 25 PSBs have exercised managerial autonomy in regard to selection and appointment of SBAs. The names of audit firms recommended by these 25 banks and approved by RBI are displayed on the web-site. While approving names of audit firms, banks were advised not to allot more than three branches per audit firm and that they should allot branches, to the extent possible, to the audit firms taking into consideration their category and audit e
ஜூன் 23, 2016
Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions
RBI/2015-16/ DBR.No.BP.BC./21.06.201/2015-16 June 22, 2016 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions Please refer to the paragraph 27 of the first bi-monthly monetary policy statement for 2016-17. It was indicated therein that RBI will issue draft guidelines on Standardised A
RBI/2015-16/ DBR.No.BP.BC./21.06.201/2015-16 June 22, 2016 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions Please refer to the paragraph 27 of the first bi-monthly monetary policy statement for 2016-17. It was indicated therein that RBI will issue draft guidelines on Standardised A
மே 16, 2016
Investment by Foreign Portfolio Investors (FPI) in Corporate Debt Securities
Draft Circular RBI/2015-16/…. A.P. (DIR Series) Circular No. … ..…, 2016 To, All Category – I Authorised Dealer banks Madam / Sir, Investment by Foreign Portfolio Investors (FPI) in Corporate Debt Securities Attention of Authorised Dealers Category – I (AD Category - I) banks is invited to paragraph 1 of Schedule 5 to the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident outside India) Regulations, 2000 notified vide Notification No. FEMA
Draft Circular RBI/2015-16/…. A.P. (DIR Series) Circular No. … ..…, 2016 To, All Category – I Authorised Dealer banks Madam / Sir, Investment by Foreign Portfolio Investors (FPI) in Corporate Debt Securities Attention of Authorised Dealers Category – I (AD Category - I) banks is invited to paragraph 1 of Schedule 5 to the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident outside India) Regulations, 2000 notified vide Notification No. FEMA
மே 12, 2016
Discussion Paper – Framework for enhancing Credit Supply for Large Borrowers through Market Mechanism
In March 2015, RBI issued a Discussion Paper titled “Large Exposures Framework and Enhancing Credit Supply through Market Mechanism” for stakeholders’ comments. Apart from introducing the contours of ‘Large Exposures Standards’ for banks in India, the Discussion Paper also focused on the need to encourage sources of funding other than bank credit for the corporate sector to finance growth. Specifically, the paper proposed ways to encourage large corporates with borrow
In March 2015, RBI issued a Discussion Paper titled “Large Exposures Framework and Enhancing Credit Supply through Market Mechanism” for stakeholders’ comments. Apart from introducing the contours of ‘Large Exposures Standards’ for banks in India, the Discussion Paper also focused on the need to encourage sources of funding other than bank credit for the corporate sector to finance growth. Specifically, the paper proposed ways to encourage large corporates with borrow
மே 05, 2016
Draft Guidelines for ‘on tap’ Licensing of Universal Banks in the Private Sector
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee and other viewpoints, the Reserve Bank came
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee and other viewpoints, the Reserve Bank came
மே 02, 2016
Discussion Paper on Margin Requirements for non-Centrally Cleared Derivatives
Derivatives are an integral risk management tool for most of the business entities and financial institutions. Most of the bigger and mid-size companies in India use derivatives to manage foreign currency, interest rate and commodity price risks. Derivatives foster financial innovation and contribute to the completeness of financial markets. However, if not regulated and supervised appropriately, derivatives markets can also be a source of systemic risk. One of the le
Derivatives are an integral risk management tool for most of the business entities and financial institutions. Most of the bigger and mid-size companies in India use derivatives to manage foreign currency, interest rate and commodity price risks. Derivatives foster financial innovation and contribute to the completeness of financial markets. However, if not regulated and supervised appropriately, derivatives markets can also be a source of systemic risk. One of the le
ஏப். 28, 2016
Consultation Paper on Peer to Peer Lending
INDEX 1. Introduction 2. P2P Lending Globally 3. P2P Lending India 4. Arguments for and against Regulating the Sector 5. The Way Forward 6. Feedback/Comments Introduction The financial sector is not immune from the advent of online industry and its potential impact. For this reason, it is attracting attention of analysts, investors, customers, businesses and regulators in a major way. Peer-to-Peer (P2P) lending is one such business model that has gathered momentum glo
INDEX 1. Introduction 2. P2P Lending Globally 3. P2P Lending India 4. Arguments for and against Regulating the Sector 5. The Way Forward 6. Feedback/Comments Introduction The financial sector is not immune from the advent of online industry and its potential impact. For this reason, it is attracting attention of analysts, investors, customers, businesses and regulators in a major way. Peer-to-Peer (P2P) lending is one such business model that has gathered momentum glo
ஏப். 07, 2016
Proposal to ease documentation requirements on residents for hedging of currency risk arising out of trade transactions under the Contracted Exposure route
Under the extant regulatory framework under FEMA, 1999 and Regulations1 thereunder, the various routes available to residents intending to hedge currency risk are as follows: Exposure based on underlying contracts Probable Exposures based on Past Performance Special Dispensation for SMEs and Individuals Under (i), the Contracted Exposure route, clients have to submit evidence of underlying foreign currency exposure to AD Cat-I banks at the time of booking the derivati
Under the extant regulatory framework under FEMA, 1999 and Regulations1 thereunder, the various routes available to residents intending to hedge currency risk are as follows: Exposure based on underlying contracts Probable Exposures based on Past Performance Special Dispensation for SMEs and Individuals Under (i), the Contracted Exposure route, clients have to submit evidence of underlying foreign currency exposure to AD Cat-I banks at the time of booking the derivati
மார். 03, 2016
Directions regarding Registration and Operations of NBFC - Account Aggregators under section 45-IA of the Reserve Bank of India Act, 1934
The Reserve Bank of India, (the Bank) issued a Notification No..........DNBS.(AA) / CGM (CDS)-2016 dated XXXX 2016 in terms of sub-clause (iii) of clause(f) of section 45I of the Reserve Bank of India Act, 1934 (hereinafter referred to “the Act”) and on being satisfied that it is necessary to do so, in exercise of the powers conferred under section 45JA of the Act, and of all the powers enabling it in this behalf, hereby issues these directions for compliance of the s
The Reserve Bank of India, (the Bank) issued a Notification No..........DNBS.(AA) / CGM (CDS)-2016 dated XXXX 2016 in terms of sub-clause (iii) of clause(f) of section 45I of the Reserve Bank of India Act, 1934 (hereinafter referred to “the Act”) and on being satisfied that it is necessary to do so, in exercise of the powers conferred under section 45JA of the Act, and of all the powers enabling it in this behalf, hereby issues these directions for compliance of the s
செப். 23, 2015
Draft framework on External Commercial Borrowings (ECB)
The basic objective of the extant External Commercial Borrowings (ECB) policy is to supplement domestic capital for creation of capital assets in the country, limited by considerations for capital account management. With the above objective in view, the ECB regime has been progressively liberalised over the years, allowing different entities to raise ECB. Within the overarching stance of calibrated approach to the capital account liberalisation, an attempt has now be
The basic objective of the extant External Commercial Borrowings (ECB) policy is to supplement domestic capital for creation of capital assets in the country, limited by considerations for capital account management. With the above objective in view, the ECB regime has been progressively liberalised over the years, allowing different entities to raise ECB. Within the overarching stance of calibrated approach to the capital account liberalisation, an attempt has now be
செப். 01, 2015
Draft Guidelines on Transmission of Monetary Policy Rates to Banks’ Lending Rates – Base Rate Guidelines
Background 1. Under Base Rate system which came into effect from July 1, 2010, all categories of domestic rupee loans should be priced only with reference to the Base Rate, subject to the conditions mentioned in our circulars DBOD.No.Dir.BC.88/13.03.00/2009-10 dated April 9, 2010 and DBR. Dir.BC.No.63/13.03.00/2014-15 dated January 19, 2015. For monetary transmission to occur, lending rates have to be sensitive to the policy rate. At present, banks follow different me
Background 1. Under Base Rate system which came into effect from July 1, 2010, all categories of domestic rupee loans should be priced only with reference to the Base Rate, subject to the conditions mentioned in our circulars DBOD.No.Dir.BC.88/13.03.00/2009-10 dated April 9, 2010 and DBR. Dir.BC.No.63/13.03.00/2014-15 dated January 19, 2015. For monetary transmission to occur, lending rates have to be sensitive to the policy rate. At present, banks follow different me
ஜூன் 25, 2015
Draft Guidelines on Writing of plain vanilla European Call and Put currency options by resident exporters and importers of goods and services
Under the existing regulatory framework, persons resident in India are permitted to buy plain vanilla European call or put options to hedge foreign currency exposures in accordance with Schedule I of Notification No. FEMA/25/RB‐2000 dated May 3, 2000 as amended from time to time from any AD Category‐I bank who has been accorded onetime approval by the Reserve Bank to run a FCY-INR options book. Writing of options by the users, on a standalone basis, is not permitted.
Under the existing regulatory framework, persons resident in India are permitted to buy plain vanilla European call or put options to hedge foreign currency exposures in accordance with Schedule I of Notification No. FEMA/25/RB‐2000 dated May 3, 2000 as amended from time to time from any AD Category‐I bank who has been accorded onetime approval by the Reserve Bank to run a FCY-INR options book. Writing of options by the users, on a standalone basis, is not permitted.
ஜூன் 09, 2015
Draft Framework on Issuance of Rupee linked Bonds Overseas
Issuance of Rupee linked bonds overseas Attention of members of public is invited to paragraph 31 of the first Bi-monthly Monetary Policy Statement, 2015-16 announced by the Reserve Bank on April 07, 2015 proposing to expand the scope of issuance of Rupee linked bond overseas by the international financial institutions as also permit Indian corporates, eligible to raise external commercial borrowings (ECB), issue such bonds with an appropriate regulatory framework. 2.
Issuance of Rupee linked bonds overseas Attention of members of public is invited to paragraph 31 of the first Bi-monthly Monetary Policy Statement, 2015-16 announced by the Reserve Bank on April 07, 2015 proposing to expand the scope of issuance of Rupee linked bond overseas by the international financial institutions as also permit Indian corporates, eligible to raise external commercial borrowings (ECB), issue such bonds with an appropriate regulatory framework. 2.
மே 28, 2015
Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines
RBI/2014-15/ DBR.BP.BC.XX/21.04.098/2014-15 May 28, 2015 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines Please refer to the ‘First Bi-monthly Monetary Policy Statement, 2015-16’ announced on April 7, 2015, wherein the following proposal was made: 19. The Basel Committee on Banking Supervision issued the final rules on the Net Stable Funding Ratio (NSFR) in Octobe
RBI/2014-15/ DBR.BP.BC.XX/21.04.098/2014-15 May 28, 2015 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines Please refer to the ‘First Bi-monthly Monetary Policy Statement, 2015-16’ announced on April 7, 2015, wherein the following proposal was made: 19. The Basel Committee on Banking Supervision issued the final rules on the Net Stable Funding Ratio (NSFR) in Octobe
மே 28, 2015
Prepaid Payment Instrument (PPI) guidelines – Introduction of New Category of PPI for Mass Transit Systems (PPI- MTS)
DPSS.CO.PD.No./02.14.003/2014-2015 May 28, 2015 All Prepaid Payment Instrument Issuers, System Providers, System Participants and all other Prospective Prepaid PaymentInstrument Issuers (DRAFT CIRCULAR FOR PUBLIC COMMENTS) Madam/Dear Sir Prepaid Payment Instrument (PPI) guidelines – Introduction of New Category of PPI for Mass Transit Systems (PPI- MTS) A reference is invited to the Master circular issued vide RBI/2014-2015/105 DPSS.CO.PD. PPI.No. 3/02.14.006/2014-15
DPSS.CO.PD.No./02.14.003/2014-2015 May 28, 2015 All Prepaid Payment Instrument Issuers, System Providers, System Participants and all other Prospective Prepaid PaymentInstrument Issuers (DRAFT CIRCULAR FOR PUBLIC COMMENTS) Madam/Dear Sir Prepaid Payment Instrument (PPI) guidelines – Introduction of New Category of PPI for Mass Transit Systems (PPI- MTS) A reference is invited to the Master circular issued vide RBI/2014-2015/105 DPSS.CO.PD. PPI.No. 3/02.14.006/2014-15
ஏப். 10, 2015
Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by NBFCs
1. Introduction 1.1 NBFCs have been outsourcing various activities and are hence exposed to various risks as detailed in para 1.2. Further, the outsourcing activities are to be brought within regulatory purview to a) protect the interest of the customers of NBFCs and b) to ensure that the NBFC concerned and the Reserve Bank of India have access to all books, records and information available with service provider. Typically outsourced financial services include applic
1. Introduction 1.1 NBFCs have been outsourcing various activities and are hence exposed to various risks as detailed in para 1.2. Further, the outsourcing activities are to be brought within regulatory purview to a) protect the interest of the customers of NBFCs and b) to ensure that the NBFC concerned and the Reserve Bank of India have access to all books, records and information available with service provider. Typically outsourced financial services include applic
மார். 30, 2015
Requirement for obtaining prior approval of RBI in cases of acquisition/ transfer of control of NBFCs
DNBR (PD) CC.No. /03.10.001/2014-15 March, 2015 All NBFCs (excluding Primary Dealers) Dear Sirs, DRAFT FOR PUBLIC COMMENTS Requirement for obtaining prior approval of RBI in cases of acquisition/ transfer of control of NBFCs Please refer to DNBS (PD) CC.No.376/03.10.001/2013-14 and Notification No. DNBS(PD) 275/ GM(AM)-2014 dated May 26, 2014 on the ‘Non-Banking Financial Companies (Approval of Acquisition or Transfer of Control) Directions, 2014’. Reserve Bank has re
DNBR (PD) CC.No. /03.10.001/2014-15 March, 2015 All NBFCs (excluding Primary Dealers) Dear Sirs, DRAFT FOR PUBLIC COMMENTS Requirement for obtaining prior approval of RBI in cases of acquisition/ transfer of control of NBFCs Please refer to DNBS (PD) CC.No.376/03.10.001/2013-14 and Notification No. DNBS(PD) 275/ GM(AM)-2014 dated May 26, 2014 on the ‘Non-Banking Financial Companies (Approval of Acquisition or Transfer of Control) Directions, 2014’. Reserve Bank has re
மார். 30, 2015
Large Exposures Framework and Enhancing Credit Supply through Market Mechanism
March 27, 2015 Background A bank’s exposure to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. Internationally, concentration risk has been addressed by prescribing regulatory and statutory limits on exposures towards counterparties and various sectors of the economy. The Basel Committee on Banking Supervision (BCBS) too recognised the need for banks to measure and limit the size of large ex
March 27, 2015 Background A bank’s exposure to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. Internationally, concentration risk has been addressed by prescribing regulatory and statutory limits on exposures towards counterparties and various sectors of the economy. The Basel Committee on Banking Supervision (BCBS) too recognised the need for banks to measure and limit the size of large ex
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