RBI/2017-18/4 FIDD.CO.FSD.BC.No.7/05.05.010/2017-18 July 3, 2017 The Chairman / Managing Director /Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks and excluding RRBs) Madam/Sir, Master Circular - Kisan Credit Card (KCC) Scheme The Reserve Bank of India has issued guidelines on Kisan Credit Card (KCC) scheme from time to time. This Master Circular consolidates the relevant guidelines issued by the Bank on Kisan Credit Card scheme u

RBI/2017-18/11 FIDD.FID.BC.No.02/12.01.033/2017-18 July 03, 2017 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. In order to enable the banks to have instructions at one place, the Master Circular incorporating the existing guidelines/in

RBI/2017-18/7 FIDD.CO.GSSD.BC.No.06/09.09.001/2017-18 July 01, 2017 The Chairman / Managing Director & CEO All Scheduled Commercial Banks Dear Sir, Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) Please refer to the Master Circular FIDD.CO.GSSD.BC.No.03/09.09.001/2016-17 dated July 01, 2016 consolidating guidelines / Instructions / directions issued to banks with regard to providing credit facilities to Scheduled Castes (

RBI/2017-2018/8 FIDD.CO.LBS.BC.No.1/02.01.001/2017-18 July 3, 2017 The Chairman and Managing Director/Chief Executive Officer SLBC Convenor Banks/Lead Banks Dear Sir/Madam MASTER CIRCULAR – Lead Bank Scheme The Reserve Bank of India has issued guidelines on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines issued by Reserve Bank of India on Lead Bank Scheme up to June 30, 2017 as listed in the Appendix. 2. This Master Circul

RBI/2017-18/5 FIDD.GSSD.CO.BC.No.03/09.16.03/2017-18 July 1, 2017 The Chairman/ Managing Director & CEO All Scheduled Commercial Banks Dear Sir/Madam, Master Circular – Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) Reserve Bank of India has periodically issued instructions to banks with regard to operationalisation of the Government of India’s National Urban Livelihoods Mission (DAY-NULM). The Ministry of Housing & Urban Poverty Al

RBI/2016-17/47 DGBA.GAD.No.458/42.01.034/2016-17 August 25, 2016 To All agency Banks Dear Sir / Madam Master Circular – Collection of Direct Taxes - OLTAS Please refer to our Master Circular DGBA.GAD.No.3/42.01.034/2015-16 dated July 1, 2015 on the above subject. 2. Instructions regarding Online Tax Accounting System (OLTAS) and operational aspects of the Direct Tax collection are currently being issued to agency banks directly by various agencies. In view of this, it

RBI/2016-17/23 DCM (CC) No.G-3/03.44.01/2016 – 17 July 20, 2016 The Chairman & Managing Director Chief Executive OfficersAll Banks Madam / Dear Sir, Master Circular –Scheme of Penalties for bank branches based on performance in rendering customer service to the members of public Please refer to the Circular DCM (CC) No.G-10/03.41.01/2015-16 dated May 05, 2016 on the revised scheme of incentives titled – CDES i.e. Currency Distribution and Exchange Scheme. 2. As ad

RBI/2016-17/22 DCM (FNVD) G–6/16.01.05/2016-17 July 20, 2016 The Chairman / Managing Director, Commercial Banks, Cooperative Banks, RRBs, Private Banks, Foreign Banks and Director of Treasuries of all States Dear Sir / Madam, Master Circular – Detection and Impounding of Counterfeit Notes Please refer to the Master Circular DCM (FNVD) No.G-4/16.01.05/2015-16 dated July 1, 2015 (updated on 28 Sept 2015) consolidating the instructions issued till Sept. 28, 2015, relatin

RBI/2016-17/21 DCM (NE) No.G-1/08.07.18/2016-17 July 18, 2016 The Chairman and Managing Director / The Managing Director/ The Chief Executive Officer All Banks Madam / Dear Sir Master Circular – Facility for Exchange of Notes and Coins Please refer to the Master Circular DCM (NE) No.G-2/08.07.18/2015-16 dated July 01, 2015 containing instructions on the facility for exchange of notes and coins. A revised version of Master Circular on the subject is annexed for your in

RBI/2016-17/04 FIDD.GSSD.BC.No.01/09.10.01/2016-17 July 1, 2016 (Updated as on September 29, 2016) The Chairman/ Managing Director All Scheduled Commercial Banks (Excluding RRBs and Foreign banks with less than 20 branches) Dear Sir, Master Circular- Credit Facilities to Minority Communities Please refer to our Master Circular FIDD.GSSD.BC.No.05/09.10.01/2015-16 dated July 01, 2015, consolidating the instructions / guidelines / directives issued to banks till that dat

RBI/2016-17/9 FIDD.GSSD.CO.BC.No.07/09.01.01/2016-17 July 01, 2016 The Chairman/ Managing Director All Scheduled Commercial Banks Dear Sir/Madam, Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) Please refer to the Master Circular FIDD.GSSD.CO.BC.No.09/09.01.01/2015-16 dated July 30, 2015 consolidating guidelines / instructions / directions issued to banks with regards to National Rural Livelihoods Mission. Ministry of Rural

RBI/2016-17/10 FIDD.GSSD.CO.BC.No.04/09.16.03/2016-17 July 01, 2016 The Chairman/ Managing Director All Scheduled Commercial Banks Dear Sir/Madam, Master Circular: Deendayal Antyodaya Yojana- National Urban Livelihoods Mission (DAY-NULM) Reserve Bank of India has periodically issued instructions/directives to banks with regard to operationalisation of the Government of India’s National Urban Livelihoods Mission (NULM) Scheme now renamed as “Deendayal Antyodaya Yojana-

RBI/2016-17/05 FIDD.CO.GSSD.BC.No.03/09.09.01/2016-17 July 01, 2016 The Chairman / Managing Director All Scheduled Commercial Banks Dear Sir, Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) Please refer to the Master Circular FIDD.CO.GSSD.BC.No 06/09.09.01/2015-16 dated July 01, 2015 consolidating guidelines / Instructions / directions issued to banks with regard to providing credit facilities to Scheduled Castes (SCs) and Sc

RBI/2016-17/3 FIDD.FID.BC.No.06/12.01.033/2016-17 July 01, 2016 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks 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. In order to enable the banks to have instructions at one place, a Master Circular incorporating the existing guidelines/instructions

RBI/2016-17/02 FIDD.CO.LBS.BC.No.5/02.01.001/2016-17 July 1, 2016 The Chairmen and Managing Directors SLBC Convenor Banks/Lead Banks Dear Sir/Madam MASTER CIRCULAR – Lead Bank Scheme The Reserve Bank of India has issued guidelines on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines issued by Reserve Bank of India on Lead Bank Scheme up to June 30, 2016 as listed in the Appendix. 2. This Master Circular has been placed on th

RBI/2016-17/17 DPSS.CO.PD.Mobile Banking.No./2/02.23.001/2016-2017 July 1, 2016 (Updated as on November 12, 2021) (Updated as on January 10, 2020) 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, th

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/2015-16/32 DCBR.BPD (PCB) MC.No.7/13.01.000/2015-16 July 1, 2015 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD (PCB) MC.No.11/13.01.000/2014-15 dated July 1, 2014 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the ins

RBI/2015-16/37 DBR.No.Dir.BC.9/13.03.00/2015-16 July 1, 2015 Ashadha 10, 1937 (Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir / Madam Master Circular - Interest Rates on Advances Please refer to the Master Circular DBOD.No.Dir.BC.13/13.03.00/2014-15 dated July 1, 2014 consolidating instructions / guidelines issued to banks till June 30, 2014 on matters relating to Interest Rates on Advances. This Master Circular consolidates instructions on the above m

RBI/2015-16/38 DCM (NE) No. G - 2/08.07.18/2015-16 July 01, 2015 The Chairman and Managing Director / The Chief Executive Officer All Banks Madam / Dear Sir Master Circular – Facility for Exchange of Notes and Coins Please refer to the Master Circular DCM (NE) No. G-3 /08.07.18/2014-15 dated July 01, 2014 containing instructions on the facility for exchange of notes and coins. A revised version of Master Circular on the subject is annexed for your information and nece

RBI/2015-16/39 DBR.No.Dir.BC.7/13.03.00/2015-16 July 1, 2015 Ashadha 10, 1937(Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir / Madam Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts Please refer to the Master Circular DBOD No.Dir.BC.15/13.03.00/2014-15 dated July 1, 2014 consolidating the instructions/guidelines issued to banks till June 30, 2014 relating to Int

RBI/2015-16/40 DBR.No.Dir.BC.8/13.03.00/2015-16 July 1, 2015 Ashadha 10, 1937(Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir / Madam Master Circular on Interest Rates on Deposits held in FCNR (B) Accounts Please refer to the Master Circular DBOD No.Dir.BC.14/13.03.00/2014-15 dated July 1, 2014 consolidating the instructions/guidelines issued to banks till June 30, 2014 relating to deposits held in FCNR (B) Accounts. This Master Circular consolidates in

RBI/2015-16/41 Master Circular No. 11/2015-16 July 01, 2015 To, All Authorised Dealer Category - I banks Madam / Sir, Master Circular on Direct Investment by Residents in Joint Venture (JV) / Wholly Owned Subsidiary (WOS) Abroad Direct investments by residents in Joint Venture (JV) and Wholly Owned Subsidiary (WOS) abroad are being allowed, in terms of clause (a) of sub-section (3) of section 6 of the Foreign Exchange Management Act, 1999, (42 of 1999) read with Notif

RBI/2015-16/63 DGBA.GAD.No.H-1/31.05.001/2015-16 July 1, 2015 (Updated as on March 17, 2016) All Agency Banks Dear Sir/Madam Master Circular - Disbursement of Government Pension by Agency Banks Please refer to our Master Circular RBI/2014-15/110 dated July 1, 2014 on the above subject. We have now revised and updated the Master Circular which consolidates important instructions on the subject issued by the Reserve Bank of India till June 30, 2015. 2. A copy of the rev

RBI/2015-16/61 DCBR.CO.BPD.(PCB).MC.No.15/12.05.001/2015-16 July 1, 2015 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Customer Service - UCBs Please refer to our Master Circular UBD.BPD.(PCB).MC No.10/12.05.001/2014-15 dated July 1, 2014 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 u

RBI/2015-16/5 DCBR.BPD.(PCB). MC.No: 6/13.01.000/2015-16 July 1, 2015 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD.(PCB).MC.No: 13/13.01.000/2014-15 dated July 1, 2014 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the

RBI/2015-16/16 DNBR (PD) CC.No.054/03.10.119/2015-16 July 01, 2015 To All Non-Banking Financial Companies (NBFCs) and Residuary Non-Banking Companies (RNBCs), Dear Sir/Madam, Master Circular - Fair Practices Code As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instructions related to the captioned subject contained in various circulars issued by RBI updated

RBI/2015-16/42 DBR.AML.BC.No.15/14.01.001/2015-16 July 1, 2015 Ashadha 10, 1937(saka) The Chairpersons/Chief Executive Officers All Scheduled Commercial Banks/ Regional Rural Banks / All India Financial Institutions/ Local Area Banks/ All Primary (Urban) Co-operative Banks /State and Central Co-operative Banks Dear Sir/Madam Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating Financing of Terrorism (CFT)/Obligation of ban

RBI/2015-16/46 DBR.No.DIR.BC.13/08.12.001/2015-16 July 1, 2015 Ashadha 10, 1937, (Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance Please refer to the Master Circular DBOD No. Dir. BC. 18/08.12.001/2014-15 dated July 1, 2014 consolidating the instructions / guidelines issued to banks till June 30, 2014 relating to Housing Finance. This Master Circular consolidates instructions on the above matter issued up to June

RBI/2015-16/47 DBR No.DIR.BC.14/04.02.002/2015-16 July 1, 2015 Ashadha 10, 1937(Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular- Rupee / Foreign Currency Export Credit and Customer Service To Exporters Please refer to the Master Circular DBOD No.Dir.(Exp).BC19/04.02.002/2014-15 dated July 1,2014 consolidating the instructions / guidelines issued to banks till June 30, 2014, relating to Rupee / Foreign Currency Export Credit &

RBI/2015-16/49 DCM(CC) No.G - 1/03.35.01/2015-16 July 01, 2015 1. The Chairman& Managing Director/Chief Executive Officer (All Banks having Currency Chests) 2. Director of Treasuries (State Governments as per list enclosed) Dear Sir/Madam Master Circular – Levy of Penal Interest for Delayed Reporting/Wrong Reporting/Non-Reporting of Currency Chest Transactions and Inclusion of Ineligible Amounts in Currency Chest Balances This circular is issued in supersession of

RBI/2015-16/50 IDMD.CDD. No.5983 /13.01.299/2015-16 July 01, 2015 The Chairman/Managing Director Head Office (Government Accounts Department) State Bank of India and Associates All Nationalized banks (Excluding Punjab and Sind Bank & Andhra Bank) Axis Bank Ltd./ICICI Bank Ltd./HDFC Bank Ltd./ Stock Holding Corporation of India Ltd.(SHCIL) Dear Sir/Madam, Master Circular on Nomination facility for Relief/Savings bonds Please refer to our Master Circular DGBA. CDD.

RBI/2015-16/52 DCM (FNVD) G- 4/16.01.05/2015-16 July 1, 2015 (Updated as on September 28, 2015) The Chairman / Managing Director, Commercial Banks, Cooperative Banks, RRBs, Private Banks, Foreign Banks and Director of Treasuries of all States Dear Sir / Madam, Master Circular – Detection and Impounding of Counterfeit Notes Please refer to the Master Circular DCM (FNVD) No.G-2/16.01.05/2014-15 dated July 1, 2014 consolidating the instructions issued till June 30, 2014

RBI/2015-16/59 DBR No.Leg.BC. 21/09.07.006/2015-16 July 1, 2015 Ashadha 10, 1937 All Scheduled Commercial Banks (Excluding RRBs) Dear Sir, Master Circular on Customer Service in Banks Please refer to the Master Circular DBOD No.Leg.BC.21/09.07.006/2014-15 dated July 01, 2014 consolidating the important instructions issued by us in the area of customer service up to June 30, 2014. This Master Circular consolidates instructions on the above matters issued up to June 30,

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 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 time to time, issued a number of cir

RBI/2015-2016/66 DPSS.CO.PD.PPI.No. 2/02.14.006/2015-16 July 01, 2015 (Updated as on July 09, 2015) 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 polic

RBI/2015-16/79 Master Circular No. 4/2015-16 July 1, 2015 To, All Category - I Authorised Dealer banks Madam / Sir Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non-Indian Origin Acquisition and transfer of immovable property in India by NRIs / PIOs / Foreign Nationals of Non-Indian Origin is regulated in terms of Sub-sections (3), (4) and (5) of Section 6 of the Foreign Exchange Management Act, 1999 read

RBI/2015-2016/80 Master Circular No.8/2015-16 July 01, 2015 To, All Authorised Dealer Category – I banks and Authorised banks Madam / Sir, Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals Remittance facilities for Non-Residents /Persons of Indian Origin /Foreign Nationals are governed by sub-section (1) and (2) of section 6 of the Foreign Exchange Management Act, 1999 read with FEMA Notification No.13/200

RBI/2015-16/91 Master Circular No.6/2015-16 July 1, 2015 To, All Authorised Persons in Foreign Exchange Madam / Sir, Master Circular on Miscellaneous Remittances from India – Facilities for Residents Miscellaneous remittance facilities for residents are allowed in terms of section 5 of the Foreign Exchange Management Act, 1999, read with Government of India Notification No. G.S.R 381(E) dated May 3, 2000, as amended from time to time. 2. This Master Circular consolida

RBI/2015-16/108 DNBR (PD) CC No. 051/03.10.119/2015-16 July 1, 2015 To All Non-Banking Financial Companies (NBFCs), Miscellaneous Non-Banking Companies (MNBCs), and Residuary Non-Banking Companies (RNBCs) Dear Sir/Madam, Master Circular – 'Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards (AML) - 'Prevention of Money Laundering Act, 2002 - Obligations of NBFCs in terms of Rules notified thereunder’ As you are aware, in order to have all current in

RBI/2015-16/21 DNBR (PD) CC. No.042/03.10.119/2015-16 July 01, 2015 To All Non-Banking Financial Companies (except Residuary Non-Banking Companies and Miscellaneous Non-Banking Companies), Dear Sir/Madam, Master Circular – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notificatio

RBI/2015-16/31 DBR.No.FSD.BC.18/24.01.009/2015-16 July 1, 2015 Ashadha 10, 1937(Saka) All Scheduled Commercial Banks (Excluding RRBs) and Credit Card Issuing NBFCs Dear Sir/Madam Master Circular on Credit Card, Debit Card and Rupee Denominated Co-branded Pre-paid Card Operations of Banks and Credit Card issuing NBFCs Please refer to Master Circular No. DBOD.No.FSD.BC.02/24.01.009/2014-15 dated July, 2014 consolidating the instructions/guidelines issued on credit card

RBI/2015-16/78 Master Circular No. 2/2015-16 July 1, 2015 To, All Authorised Dealer Category – I banks and Authorised banks Madam / Sir, Master Circular on Non-Resident Ordinary Rupee (NRO) Account The acceptance of deposits by an Authorised Dealer /Authorised bank from persons resident outside India is regulated by the provisions of sub-sections (1) and (2) of section 6 of the Foreign Exchange Management Act, 1999 read with FEMA Notification No.5/2000 - RB dated May

RBI/2014-15/630 DNBR (PD) CC No.038/03.01.001/2014-15 June 03, 2015 To All Non-Systemically Important Non-Deposit taking NBFCs, Dear Sirs, Master Circular – "Non-Systemically Important Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2015". As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instruct

RBI/2014-15/631 DNBR (PD) CC No. 039/03.01.001/2014-15 June 11, 2015 To All NBFCs Dear Sirs, Master Circular – "Infrastructure Debt Fund-Non-Banking Financial Companies (Reserve Bank) Directions, 2011". As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instructions contained in the Notification No.DNBS.233/CGM(US)-2011 dated November 21, 2011 updated till the

RBI/2014-15/632 DNBR (PD) CC No.040/03.01.001/2014-15 June 03, 2015 To All Non-Banking Financial Companies (NBFCs), Dear Sirs, Master Circular – “Non-Banking Financial Companies – Corporate Governance (Reserve Bank) Directions, 2015” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars/notifications. The instructions contained in the Notification No. DNBR. 019/CGM (CDS)-2015 dated A

RBI/2014-15/629 DNBR (PD) CC No. 037/03.01.001/2014-15 June 11, 2015 To All Systemically Important Non-Deposit taking NBFCs, Dear Sirs, Master Circular – “Systemically Important Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2015” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instructions con

RBI /2014-15/33 DNBS (PD) CC No. 396/03.02.001/2014-15 July 1, 2014 (as amended up to May 25,2015) To All NBFCs Dear Sirs, Master Circular – The Non-Banking Financial Company - Factors (Reserve Bank) Directions, 2012 As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instructions contained in the captioned circular updated till the date as indicated above are

RBI/2014-15/50 DNBS(PD)CC.No.40/SCRC/26.03.001/2014-2015 July 1, 2014 Notification as Amended upto June 30, 2014 - Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010 As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instructions contained in the Noti

RBI/2014-15/51 DNBS.(PD-MGC).C.C.No.17/23.11.001/2014-15 July 1, 2014 To, The Chairman / CEOs of All Mortgage Guarantee Companies Dear Sir, Notification as amended upto June 30, 2014 - "Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008" As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars/notifications. The instructions contained in the notification No.DN

RBI/2014-15/53 DNBS (PD) CC No 379/03.02.001/2014-15 July 1, 2014 (As amended up to May 25, 2015) To All Non-Banking Financial Companies (except Residuary Non-Banking Companies and Miscellaneous Non-Banking Companies) Dear Sirs, Master Circular – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated

RBI/2014-15/55 DNBS (PD) CC No.381/03.02.001/2014-15 July 1, 2014 (As amended up to October 30, 2014) To All Non-Deposit taking NBFCs Dear Sirs, Master Circular – “Non-Banking Financial (Non - Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars/notifications. The instructions contained in the

RBI/2014-15/52 DNBS(PD).CC.No.392/03.02.001/2014-15 July 1, 2014 (As amended up to February 06, 2015) To All Non-Banking Financial Companies (NBFCs) Dear Sirs, Master Circulars - Miscellaneous Instructions to all Non-Banking Financial Companies In order to have all current instructions in one place, the Reserve Bank of India has issued master circulars to NBFCs on various subjects. It is advised that Miscellaneous Directions / Instructions issued upto June 30, 2014, w

RBI/2014-15/335 FIDD.GSSD.BC. No.43/09.10.01/2014-15 July 1, 2014 (Updated upto December 03, 2014) The Chairman/ Managing Director All Scheduled Commercial Banks Dear Sir, Master Circular- Credit Facilities to Minority Communities Please refer to our Master Circular RPCD. GSSD.BC.No.2/09.10.01/2013 -14 dated July 01, 2013 consolidating the instructions/guidelines/directives issued to banks till that date relating to Credit Facilities to Minority Communities. The Maste

RBI/2014-15/103 DBOD.No.BP.BC.6/21.06.201/2014-15 July 1, 2014 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Madam / Sir, Master Circular – Basel III Capital Regulations Please refer to the Master Circular No.DBOD.BP.BC.2/21.06.201/2013-14 dated July 1, 2013, consolidating therein the prudential guidelines on capital adequacy issued to banks till that date. 2. As you are aware, Basel III Capital Regulations is being implemented i

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

RBI/2014-2015/105 DPSS.CO.PD.PPI.No.3/02.14.006/2014-15 July 01, 2014 (updated as on December 03, 2014) 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 p

RBI/2014-15/106 DGBA.CDD. No.7921/13.01.299/2014-15 July 01, 2014 The Chairman/Managing Director Head Office (Government Accounts Department) State Bank of India and Associates, All Nationalized banks (Excluding Punjab and Sind Bank & Andhra Bank), Axis Bank Ltd./ICICI Bank Ltd./HDFC Bank Ltd., Stock Holding Corporation of India Ltd. (SHCIL) Dear Sir/Madam, Master Circular on Appointment & Delisting of Brokers and Payment of Brokerage on Relief/Savings Bonds P

RBI/2014-15/107 DGBA.CDD. No. 7917/13.01.299/2014-15 July 01, 2014 The Chairman/Managing Director Head Office (Government Accounts Department) State Bank of India and Associates, All Nationalized banks (Excluding Punjab and Sind Bank & Andhra Bank), Axis Bank Ltd./ICICI Bank Ltd./HDFC Bank Ltd., Stock Holding Corporation of India Ltd. (SHCIL) Dear Sir/Madam, Master Circular on Nomination facility for Relief/Savings Bonds Please refer to our Master Circular RBI/201

RBI/2014-15/54 DNBS (PD) CC No. 380/03.02.001/2014-15 July 1, 2014 (As amended up to May 25, 2015) To All Deposit Taking NBFCs and Residuary Non-Banking Companies Dear Sirs, Master Circular – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications. The instr

RBI/2014-15/15 Master Circular No.10/2014-15 July 01, 2014 (As updated on March 25, 2015) To, All Authorised Persons in Foreign Exchange Madam / Sir, Master Circular on Memorandum of Instructions governing money changing activities This Master Circular consolidates the existing instructions on the subject of “Memorandum of Instructions governing money changing activities” at one place. The list of underlying circulars/ notifications is set out in Appendix. 2. This Mas

RBI/2014-15/68 DBOD. No.DIR.BC.18/08.12.001/2014-15 July 1, 2014 Ashadha 10, 1936, (Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance Please refer to the Master Circular DBOD No. Dir. BC.17/08.12.001/2013-14 dated July 1, 2013 consolidating the instructions / guidelines issued to banks till June 30, 2013 relating to Housing Finance. The Master Circular has been suitably updated by incorporating the instructions iss

RBI/2014-15/102 DBOD.No.FID.FIC.1/01.02.00/2014-15 July 1, 2014 The CEOs of the All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Master Circular - Resource Raising Norms for Financial Institutions Please refer to Master Circular DBOD.No.FID.FIC.1/01.02.00/2013-14 dated July 01, 2013 on the captioned subject. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject up to June

RBI/2014-15/27 UBD.BPD. (PCB).MC.No.16/12.05.001/2014-15 July 1, 2014 Chief Executive Officers All Primary (Urban) Co-operative Banks Madam/ Dear Sir, Master Circular on Know Your Customer (KYC) Norms/Anti-Money Laundering (AML) Measures/Combating of Financing of Terrorism (CFT) / Obligations of banks under Prevention of Money Laundering Act (PMLA), 2002 Please refer to our Master Circular UBD.BPD. (PCB).MC.No.16/12.05.001/2013-14 dated July 1, 2013 on the captioned s

RBI/2014-15/28 UBD.BPD (PCB) MC. No. 11/13.01.000/2014-15 July 1, 2014 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD (PCB) MC.No.11/13.01.000/2013-14 dated July 1, 2013 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instruct

RBI/2014-15/29 UBD.BPD.(PCB). MC.No:13/13.01.000/2014-15 July 1, 2014 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD.(PCB).MC.No:13/13.01.000/2013-14 dated July 1, 2013 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instruc

RBI/2014-2015/30 UBD. BPD (PCB).MC.No.12/16.20.000/2014-15 July 1, 2014 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular on Investments by Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD.(PCB) MC.No.12/16.20.000/ 2013-14 dated July 1, 2013 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/gu

RBI/2014-15/31 UBD.BPD.(PCB).MC.No.15/12.03.000/2014-15 July 1, 2014 The Chief Executive Officers, All Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular on Maintenance of Statutory Reserves - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks Please refer to our Master Circular UBD.BPD.(PCB). MC.No.15 /12.03.000/2013-14 dated July 1, 2013 on the captioned subject. The enclosed Master Circular consolida

RBI/2014-15/32 UBD.LS(PCB)MC.No.14/07.01.000/2014-15 July 1, 2014 All Primary (Urban) Co-operative Banks Dear Sir, Master Circular on Area of Operation, Branch Authorisation Policy, Opening/ Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices Please refer to our Master Circular UBD.LS (PCB) MC. No.14/07.01.00/2013-14, dated July 1, 2013 on the captioned subject. This Master Circular consolidates and updates all the instructions/guideline

RBI/2014-15/39 DNBS.PD.CC.No.384/03.02.004/2014-15 July 1, 2014 To (i) The Secretary, Ministry of Finance (ii) The Chairman, Securities and Exchange Board of India (iii) President of the Institute of Chartered Accountants of India (iv) President of the Institute of Company Secretaries of India (v) Associations of NBFCs (vi) All Non-Banking Financial Institutions Dear Sirs, Master Circular - Exemptions from the provisions of RBI Act, 1934 As you are aware, in order to

RBI/2014-15/40 DNBS (PD) CC No.391/03.10.001/2014-15 July 1, 2014 To All Non-Banking Financial Companies (NBFCs) Dear Sirs, Master Circulars - Miscellaneous Instructions to NBFC- ND-SI In order to have all current instructions in one place, the Reserve Bank of India has consolidated all the instructions issued during the year ended June 30, 2014. The circular seeks to consolidate all instructions issued exclusively to NBFC-ND-SI i.e. other than those which have been c

RBI/2014-15/41 DNBS (PD) CC No.393/03.02.001/2014-15 July 1, 2014 To All Core Investment Companies Dear Sirs, Master Circular– Regulatory Framework for Core Investment Companies (CICs) As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars / notifications on various subjects. The instructions on the captioned subject as updated till June 30, 2014 are reproduced below. The updated Mast

RBI/2014-15/42 DNBS (PD) CC No.394/03.02.001/2014-15 July 1, 2014 To All Non-Banking Finance Companies Dear Sirs, Master Circular – Opening of Branch/Subsidiary/Joint Venture/ Representative office or Undertaking Investment Abroad by NBFCs As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated Circulars/notifications. The instructions on the captioned subject as updated on June 30, 2014 are rep

RBI/2014-15/43 DNBS.(PD) CC.No. 395/03.10.38/2014-15 July 1, 2014 (as amended up to May 25, 2015) To, All NBFCs (excluding RNBCs) Dear Sirs, Master Circular - ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) - Directions As you are aware, in order to have all current instructions on the subject at one place, the Reserve Bank of India issues updated circulars/notifications. The instructions contained on the captioned subject updated till the date