Notifications -Regulating Co-operative Banking - ஆர்பிஐ - Reserve Bank of India
அறிவிப்புகள்
பிப். 17, 2006
Banking Regulation Act 1949 (AACS)- Investments in Government and other approved securities by UCBs - Exemption under Section 24A
RBI/2005-06/302 UBD(PCB).Cir.No.31 /16.26.00/2005-06 February 17, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam Banking Regulation Act 1949 (AACS)- Investments in Government and other approved securities by UCBs - Exemption under Section 24A Please refer to our circular UBD.No.BR.Cir/42/16.26.00/200-01 dated April 19, 2001 on the above subject advising Primary (Urban) Co-operative Banks (UCBs) to maintain a certain percent
RBI/2005-06/302 UBD(PCB).Cir.No.31 /16.26.00/2005-06 February 17, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam Banking Regulation Act 1949 (AACS)- Investments in Government and other approved securities by UCBs - Exemption under Section 24A Please refer to our circular UBD.No.BR.Cir/42/16.26.00/200-01 dated April 19, 2001 on the above subject advising Primary (Urban) Co-operative Banks (UCBs) to maintain a certain percent
பிடிஎஃப் (
ஜன. 30, 2006
UCBs - Credit Exposure Limit
RBI/2005-06/291 UBD.PCB.Cir.No.29/13.05.000/2005-06 January 30, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Maximum limit on Advances – Limits on credit exposure to Individuals/ Group of borrowers - UCBs Please refer to paragraph 2 (a) of our circular UBD.DS.cir No:44/13.05.00/2004-05 dated April 15, 2005 on the captioned subject in terms of which the sanctioned limit or outstanding whichever is higher shall be reckoned
RBI/2005-06/291 UBD.PCB.Cir.No.29/13.05.000/2005-06 January 30, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir /Madam, Maximum limit on Advances – Limits on credit exposure to Individuals/ Group of borrowers - UCBs Please refer to paragraph 2 (a) of our circular UBD.DS.cir No:44/13.05.00/2004-05 dated April 15, 2005 on the captioned subject in terms of which the sanctioned limit or outstanding whichever is higher shall be reckoned
ஜன. 30, 2006
UCBs prohibited from crediting Account Payee Cheque proceeds to Third Party Account
RBI/2005-06/292 UBD. BPD.Cir. No.30 /14.01.062/ 2005-06 January 30, 2006 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Collection of account payee cheque – Prohibition on crediting proceeds to third party account As banks are aware, an account payee cheque is required to be collected for the payee constituent. As regards account payee cheques drawn in favour of UCBs, banks which credit cheques drawn in their favour by other banks marked
RBI/2005-06/292 UBD. BPD.Cir. No.30 /14.01.062/ 2005-06 January 30, 2006 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Collection of account payee cheque – Prohibition on crediting proceeds to third party account As banks are aware, an account payee cheque is required to be collected for the payee constituent. As regards account payee cheques drawn in favour of UCBs, banks which credit cheques drawn in their favour by other banks marked
ஜன. 24, 2006
Amortization of expenses incurred on software - UCBs
RBI/2005-06/286 UBD. BPD. PCB. Cir. No. 28 /12.05.001/2005-06 January 24 , 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir / Madam, Amortization of expenses incurred on software - UCBs Please refer to our circular UBD. BPD.PCB.Cir.7/09.50.00/2003-04 dated August 5, 2003 in terms of which UCBs are allowed to charge depreciation on computers on a straight-line method at the rate of 33.33 per cent per annum. In this context it is obse
RBI/2005-06/286 UBD. BPD. PCB. Cir. No. 28 /12.05.001/2005-06 January 24 , 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir / Madam, Amortization of expenses incurred on software - UCBs Please refer to our circular UBD. BPD.PCB.Cir.7/09.50.00/2003-04 dated August 5, 2003 in terms of which UCBs are allowed to charge depreciation on computers on a straight-line method at the rate of 33.33 per cent per annum. In this context it is obse
ஜன. 09, 2006
Scheme for Small Enterprises Financial Centres (SEFCs)
RBI/2005-06/274 UBD.PCB.Cir No. 25/09.09.001/2005-06 January 9, 2006 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir/ Madam, Scheme for Small Enterprises Financial Centres (SEFCs) Please refer to the announcement made by the Governor in paragraph No.84 of the Annual Policy Statement 2005-06 regarding formulation of a scheme of strategic alliance between branches of banks and SIDBI located in the clusters. A copy of the scheme for "Smal
RBI/2005-06/274 UBD.PCB.Cir No. 25/09.09.001/2005-06 January 9, 2006 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir/ Madam, Scheme for Small Enterprises Financial Centres (SEFCs) Please refer to the announcement made by the Governor in paragraph No.84 of the Annual Policy Statement 2005-06 regarding formulation of a scheme of strategic alliance between branches of banks and SIDBI located in the clusters. A copy of the scheme for "Smal
டிச. 05, 2005
Maximum Limit on Advances-Limits on Unsecured Advances to Single Party/Connected Group
RBI/2005-06/226 UBD. PCB.Cir. No.22/13.05.000/05-06 December 5, 2005. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam Maximum Limit on Advances-Limits on Unsecured Advances to Single Party/Connected Group- Please refer to our directives UBD.No.DS.PCB.Dir/16/13.05.00/96-97 dated November 11, 1996 on the above subject. 2. As per the extant instructions, Primary (Urban) Co-operative Banks (UCB) are permitted to grant unsecured advanc
RBI/2005-06/226 UBD. PCB.Cir. No.22/13.05.000/05-06 December 5, 2005. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam Maximum Limit on Advances-Limits on Unsecured Advances to Single Party/Connected Group- Please refer to our directives UBD.No.DS.PCB.Dir/16/13.05.00/96-97 dated November 11, 1996 on the above subject. 2. As per the extant instructions, Primary (Urban) Co-operative Banks (UCB) are permitted to grant unsecured advanc
நவ. 24, 2005
Financial Inclusion - UCBs
RBI/2005-06/220 UBD. BPD. Cir No.19 /13.01.000//2005-06 November 24, 2005 To Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam, Financial Inclusion – UCBs Please refer to Paragraph 96 of the Mid-term Review of Annual Policy Statement for the year 2005-06. 2. The Annual Policy Statement of April 2005, while recognizing the concerns in regard to the banking practices that tend to exclude rather than attract vast sections of population, urged
RBI/2005-06/220 UBD. BPD. Cir No.19 /13.01.000//2005-06 November 24, 2005 To Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam, Financial Inclusion – UCBs Please refer to Paragraph 96 of the Mid-term Review of Annual Policy Statement for the year 2005-06. 2. The Annual Policy Statement of April 2005, while recognizing the concerns in regard to the banking practices that tend to exclude rather than attract vast sections of population, urged
நவ. 24, 2005
UCBs - Additional Provisioning required for Standard Assets
RBI/2005-06/219 UBD. PCB.Cir No. 20/ 09.11.600/ 2005-06 November 24, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/ Madam Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets-UCBs In terms of the extant prudential guidelines, the standard assets attract a uniform provisioning requirement of 0.25 per cent of the funded outstanding on a portfolio basis. Traditional
RBI/2005-06/219 UBD. PCB.Cir No. 20/ 09.11.600/ 2005-06 November 24, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/ Madam Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets-UCBs In terms of the extant prudential guidelines, the standard assets attract a uniform provisioning requirement of 0.25 per cent of the funded outstanding on a portfolio basis. Traditional
நவ. 22, 2005
Merger/ Amalgamation of UCBs-Amortisation of Losses Mid-Term Review of Annual Policy Statement for the year 2005-06
RBI/2005-06/217 UBD.BPD.PCB.Cir.18/ 09.16.901/2005-06 November 22, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Merger/ Amalgamation of UCBs-Amortisation of Losses Mid-Term Review of Annual Policy Statement for the year 2005-06 Please refer to the circular UBD (PCB) Cir.36/09.169.00/2004-05 dated February 2, 2005 forwarding the guidelines on merger/ amalgamation of UCBs. In this connection, an extract of para 109 of the
RBI/2005-06/217 UBD.BPD.PCB.Cir.18/ 09.16.901/2005-06 November 22, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Merger/ Amalgamation of UCBs-Amortisation of Losses Mid-Term Review of Annual Policy Statement for the year 2005-06 Please refer to the circular UBD (PCB) Cir.36/09.169.00/2004-05 dated February 2, 2005 forwarding the guidelines on merger/ amalgamation of UCBs. In this connection, an extract of para 109 of the
நவ. 22, 2005
UCBs - Interest Rate Ceiling on NRE Deposits Revised
RBI/2005-06/216 UBD.PCB. No. Cir17 /13.01.000/2005-06 November 22, 2005 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to our circular UBD.PCB.Cir 27/13.01.00/04-05 forwarding therewith directive UBD.No. Dir 1/13.01.00/04-05 dated 01.11.2004 on the above subject. We advise that on a review, it has been decided that until further notice and with effect fro
RBI/2005-06/216 UBD.PCB. No. Cir17 /13.01.000/2005-06 November 22, 2005 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to our circular UBD.PCB.Cir 27/13.01.00/04-05 forwarding therewith directive UBD.No. Dir 1/13.01.00/04-05 dated 01.11.2004 on the above subject. We advise that on a review, it has been decided that until further notice and with effect fro
அக். 20, 2005
Donations/Contributions for public/charitable purposes out of profits of UCBs
RBI/2005-06/186 UBD(PCB)/BPD/Cir.15 /09.72.000 /2005-06 October 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Donations/Contributions for public/charitable purposes out of profits of UCBs Please refer to our circular UBD(PCB). / BPD/Cir. 43 /09.72.00 /2004-05 dated April 11, 2005 on the captioned subject. 2. In this context, it is clarified that banks carrying accumulated losses in their balance sheet are not eligible
RBI/2005-06/186 UBD(PCB)/BPD/Cir.15 /09.72.000 /2005-06 October 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Donations/Contributions for public/charitable purposes out of profits of UCBs Please refer to our circular UBD(PCB). / BPD/Cir. 43 /09.72.00 /2004-05 dated April 11, 2005 on the captioned subject. 2. In this context, it is clarified that banks carrying accumulated losses in their balance sheet are not eligible
அக். 06, 2005
Loans and Advances to Directors of UCBs
RBI/2005-06/175 UBD.PCB.CIR.No.14/13.05.000/05-06 October 6, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Loans and advances to directors, relatives and firms/concerns in which they are interested-UCBs Please refer to our circulars UBD.PCB.CIR.50/13.05.00/2002-03 and UBD.BPD.Cir.No. 54/13.05.00/02-03 dated April 29, 2003 and June 24, 2003 respectively, prohibiting UCBs from extending any loans and advances (both secured
RBI/2005-06/175 UBD.PCB.CIR.No.14/13.05.000/05-06 October 6, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Loans and advances to directors, relatives and firms/concerns in which they are interested-UCBs Please refer to our circulars UBD.PCB.CIR.50/13.05.00/2002-03 and UBD.BPD.Cir.No. 54/13.05.00/02-03 dated April 29, 2003 and June 24, 2003 respectively, prohibiting UCBs from extending any loans and advances (both secured
செப். 29, 2005
UCBs - List of Reserved Items for Exclusive Manufacture by SSIs amended
RBI/2005-06/170 UBD(PCB). Cir 13/09.09.01/2005-06 September 29, 2005 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir, Notification No.S.O.420(E) dated March 28, 2005 regarding changes in the list of reserved items for exclusive manufacture in the Small Scale Sector-UCBs We advise that Government of India, Ministry of Commerce & Industry (Department of Industrial Policy and Promotion) have since issued a Gazette Notification S.O. 42
RBI/2005-06/170 UBD(PCB). Cir 13/09.09.01/2005-06 September 29, 2005 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir, Notification No.S.O.420(E) dated March 28, 2005 regarding changes in the list of reserved items for exclusive manufacture in the Small Scale Sector-UCBs We advise that Government of India, Ministry of Commerce & Industry (Department of Industrial Policy and Promotion) have since issued a Gazette Notification S.O. 42
ஆக. 23, 2005
UCBs - KYC Guidelines - Anti-Money Laundering Standards
RBI/2005-06/137 UBD.BPD. PCB. Cir.11 /09.161.00/2005-06 August 23, 2005 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Know Your Customer Guidelines : Anti-Money Laundering Standards-UCBs Please refer to our circular UBD.PCB.Cir.30/09.161.00/2004-05 dated December 15, 2004 on the above subject. In terms of the above circular, banks were advised to formulate a customer acceptance policy and customer identification procedure to be follo
RBI/2005-06/137 UBD.BPD. PCB. Cir.11 /09.161.00/2005-06 August 23, 2005 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Know Your Customer Guidelines : Anti-Money Laundering Standards-UCBs Please refer to our circular UBD.PCB.Cir.30/09.161.00/2004-05 dated December 15, 2004 on the above subject. In terms of the above circular, banks were advised to formulate a customer acceptance policy and customer identification procedure to be follo
ஆக. 09, 2005
UCBs - Risk Weight on Housing Finance/Commercial Real Estate Exposures
RBI/2005-06/ 101 UBD.PCB.Cir.No.8 /09.116.00/05-06 August 9, 2005. The Chief Executive Officers of all Primary (Urban) co-operative Banks Dear Sir/Madam, Prudential norms on capital adequacy – Risk weight on housing finance/commercial real estate exposures-UCBs Please refer to our circular UBD.PCB.Cir.33/09.116.00/04-05 dated 05.01.2005 in terms of which the risk weights for banks’ exposure on housing loans which are fully secured by mortgage of residential housing pr
RBI/2005-06/ 101 UBD.PCB.Cir.No.8 /09.116.00/05-06 August 9, 2005. The Chief Executive Officers of all Primary (Urban) co-operative Banks Dear Sir/Madam, Prudential norms on capital adequacy – Risk weight on housing finance/commercial real estate exposures-UCBs Please refer to our circular UBD.PCB.Cir.33/09.116.00/04-05 dated 05.01.2005 in terms of which the risk weights for banks’ exposure on housing loans which are fully secured by mortgage of residential housing pr
ஆக. 09, 2005
UCBs - Risk Weight for Capital Market Exposure
RBI/2005-06/102 UBD.PCB. Cir.No.9/13.05.00/05-06 August 9, 2005. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir /Madam, Risk Weight for Capital Market Exposure-UCBs As you are aware, as part of capital market exposure, UCBs are permitted to extend loans against the primary / collateral security of shares/ debentures upto Rs. 5 lakh if the security is in physical form and upto Rs. 10 lakh if the security is in demat form. Further UCBs c
RBI/2005-06/102 UBD.PCB. Cir.No.9/13.05.00/05-06 August 9, 2005. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir /Madam, Risk Weight for Capital Market Exposure-UCBs As you are aware, as part of capital market exposure, UCBs are permitted to extend loans against the primary / collateral security of shares/ debentures upto Rs. 5 lakh if the security is in physical form and upto Rs. 10 lakh if the security is in demat form. Further UCBs c
ஆக. 03, 2005
Facilitating opening of bank accounts for flood affected persons
RBI/2005-06/92 UBD.PCB.Cir. No. 6 / 09.161.00/2005-06 August 3, 2005 The Chief Executives Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam Facilitating opening of bank accounts for flood affected persons Please refer to our circular UBD.PCB.Cir.30/09.161.00/2004-05 dated 15.12.2004 on Know Your Customer Guidelines (KYC) – Anti Money Laundering Standards. In terms of the above circular, banks were advised to formulate a customer acceptance policy and c
RBI/2005-06/92 UBD.PCB.Cir. No. 6 / 09.161.00/2005-06 August 3, 2005 The Chief Executives Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam Facilitating opening of bank accounts for flood affected persons Please refer to our circular UBD.PCB.Cir.30/09.161.00/2004-05 dated 15.12.2004 on Know Your Customer Guidelines (KYC) – Anti Money Laundering Standards. In terms of the above circular, banks were advised to formulate a customer acceptance policy and c
ஜூலை 14, 2005
UCBs - Procedure for settlement of claims relating to Deceased Depositors Simplified
RBI/2005-06/61 UBD.BPD.Cir.No.4 /13.01.00/2005-06 July 14, 2005 To The Chief Executive Officers of Primary (Urban) Cooperative Banks Dear Sir, Settlement of claims in respect of deceased depositors – Simplification of Procedure - UCBs Pursuant to the announcement in the Mid-Term Review of the Annual Policy of the RBI on November 3, 2003, the Committee on Procedure and Performance Audit on Public Services (CPPAPS) was constituted by the RBI with a view to improving the
RBI/2005-06/61 UBD.BPD.Cir.No.4 /13.01.00/2005-06 July 14, 2005 To The Chief Executive Officers of Primary (Urban) Cooperative Banks Dear Sir, Settlement of claims in respect of deceased depositors – Simplification of Procedure - UCBs Pursuant to the announcement in the Mid-Term Review of the Annual Policy of the RBI on November 3, 2003, the Committee on Procedure and Performance Audit on Public Services (CPPAPS) was constituted by the RBI with a view to improving the
ஜூலை 13, 2005
UCBs - Maximum Limit on advances - limits on credit exposure to individuals / group of borrowers
RBI/2005-06/52 UBD.DS. Cir.No.3/13.05.00/2005-06 July 13, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Maximum Limit on advances-Limits on credit exposure to individuals /group of borrowers - UCBs Please refer to our circular UBD.DS. Cir.No.44/13.05.00/2004-05 dated April 15, 2005 on the above subject advising banks to fix the prudential exposure limits at 15 per cent and 40 per cent of the 'Capital Funds' in case of sing
RBI/2005-06/52 UBD.DS. Cir.No.3/13.05.00/2005-06 July 13, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Maximum Limit on advances-Limits on credit exposure to individuals /group of borrowers - UCBs Please refer to our circular UBD.DS. Cir.No.44/13.05.00/2004-05 dated April 15, 2005 on the above subject advising banks to fix the prudential exposure limits at 15 per cent and 40 per cent of the 'Capital Funds' in case of sing
ஜூலை 04, 2005
Income Recognition and Asset Classification Norms-UCBs
RBI/2005-06/41 UBD (PCB).Cir.No.1/09.140.00/05-06 July 4, 2005 The Chief Executives of all Primary( Urban) Cooperative Banks Dear Sir/Madam, Income Recognition and Asset Classification Norms-UCBs Please refer to Master Circular dated UBD.BSD.IP.MC.No.15/12.05.05/2004-05 dated December 2, 2004 on Prudential Norms on Income Recognition, Asset Classification, Provisioning and Other Related Mattes as also the following circulars on the above subject: i. UBD.BSD.I.PCB.No.1
RBI/2005-06/41 UBD (PCB).Cir.No.1/09.140.00/05-06 July 4, 2005 The Chief Executives of all Primary( Urban) Cooperative Banks Dear Sir/Madam, Income Recognition and Asset Classification Norms-UCBs Please refer to Master Circular dated UBD.BSD.IP.MC.No.15/12.05.05/2004-05 dated December 2, 2004 on Prudential Norms on Income Recognition, Asset Classification, Provisioning and Other Related Mattes as also the following circulars on the above subject: i. UBD.BSD.I.PCB.No.1
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