Notifications -Regulating Co-operative Banking - ఆర్బిఐ - Reserve Bank of India
notifications
డిసెం 15, 2004
Guidelines on Know Your Customer' and Anti Money Laundering Standards-UCBs
RBI/2004-05/302UBD.PCB. Cir30/09.161.00/2004-05 December 15, 2004The Chief Executive Officer of All Primary (Urban) Co-operative BanksDear Sir/Madam, Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards-UCBs Please refer to our circular UBD.No.DS.PCB.Cir 17/13.01.00/2002-03 dated September 18, 2002 on the guidelines on 'Know Your Customer' norms. Banks were advised to follow certain customer identification procedure for opening of accounts and monito
RBI/2004-05/302UBD.PCB. Cir30/09.161.00/2004-05 December 15, 2004The Chief Executive Officer of All Primary (Urban) Co-operative BanksDear Sir/Madam, Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards-UCBs Please refer to our circular UBD.No.DS.PCB.Cir 17/13.01.00/2002-03 dated September 18, 2002 on the guidelines on 'Know Your Customer' norms. Banks were advised to follow certain customer identification procedure for opening of accounts and monito
పిడిఎఫ్ (
డిసెం 14, 2004
Priority Sector Lending: - Housing Loan - Ceiling enhanced for UCBs
RBI/2004-05/299 UBD. BPD (PCB).Cir.29/09.09.01/04-05 December 14, 2004 The Chief Executive Officers All Primary (Urban) Co-operative banks Dear Sir/Madam, Priority Sector Lending: - Housing Loan -Enhancement of Ceiling for UCBs Please refer to para 1.8.1.1 of Annexure I to our Master Circular UBD.BPD. (PCB) MC.No.1 /09.09.01/2004-05 dated July 2, 2004 on Priority Sector lending in terms of which direct housing loans to individuals by banks up to Rs.10 lakh for constru
RBI/2004-05/299 UBD. BPD (PCB).Cir.29/09.09.01/04-05 December 14, 2004 The Chief Executive Officers All Primary (Urban) Co-operative banks Dear Sir/Madam, Priority Sector Lending: - Housing Loan -Enhancement of Ceiling for UCBs Please refer to para 1.8.1.1 of Annexure I to our Master Circular UBD.BPD. (PCB) MC.No.1 /09.09.01/2004-05 dated July 2, 2004 on Priority Sector lending in terms of which direct housing loans to individuals by banks up to Rs.10 lakh for constru
నవం 01, 2004
Prudential norms- State Government guaranteed exposures
RBI / 2004-05/ 262 UBD.PCB.Cir. 26/09.140.00 /2004-05 November 1, 2004 @@NBSP@@ The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Prudential norms- State Government guaranteed exposures Please refer to our Master Circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 on Prudential Norms, Income Recognition, Asset Classification, Provisioning and other related matters, which contained, inter alia, prudential norms regarding St
RBI / 2004-05/ 262 UBD.PCB.Cir. 26/09.140.00 /2004-05 November 1, 2004 @@NBSP@@ The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Prudential norms- State Government guaranteed exposures Please refer to our Master Circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 on Prudential Norms, Income Recognition, Asset Classification, Provisioning and other related matters, which contained, inter alia, prudential norms regarding St
నవం 01, 2004
SCBs - Interest Rates on NRE Deposits Raised
RBI/2004-05/256 DBOD No. Dir. 53/13.03.00/2004-05 November 1, 2004 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to the paragraph 71 of the statement on 'Mid-term Review of the Annual Policy Statement for the year 2004-05' enclosed to Governor’s letter MPD.No.256/ 07.01.279/2004-05 dated October 26, 2004 (copy of the paragraph enclosed). 2. In this context, please refer to item (iii
RBI/2004-05/256 DBOD No. Dir. 53/13.03.00/2004-05 November 1, 2004 All Scheduled Commercial Banks (Excluding RRBS) Dear Sir, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits Please refer to the paragraph 71 of the statement on 'Mid-term Review of the Annual Policy Statement for the year 2004-05' enclosed to Governor’s letter MPD.No.256/ 07.01.279/2004-05 dated October 26, 2004 (copy of the paragraph enclosed). 2. In this context, please refer to item (iii
నవం 01, 2004
UCBs - Tenor of Domestic Term Deposits Reduced
RBI/2004-05/271 UBD.No.28/13.01.00/2004-05 November 1, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Mid-term Review of Annual Policy Statement for the year 2004-05 – Reduction of Tenor of Domestic/ Ordinary Non-Resident (NRO) Term Deposits Please refer to the paragraph 5(A) of our Master Circular UBD.No.BPD.MC.No.11/13.01.00/04-05 dated September 17, 2004 on Interest rates on Rupee Deposits accepted and renewed under different
RBI/2004-05/271 UBD.No.28/13.01.00/2004-05 November 1, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir, Mid-term Review of Annual Policy Statement for the year 2004-05 – Reduction of Tenor of Domestic/ Ordinary Non-Resident (NRO) Term Deposits Please refer to the paragraph 5(A) of our Master Circular UBD.No.BPD.MC.No.11/13.01.00/04-05 dated September 17, 2004 on Interest rates on Rupee Deposits accepted and renewed under different
అక్టో 20, 2004
Systems and procedures - Best practices
RBI No. /2004-05/ 228 UBD.No. BPD. IP. 24 / 12.05.01/ 2004-05 October 20, 2004 Chief Executive Officers of all Primary (Urban) Cooperative Banks Dear Sir / Madam, Systems and procedures – Best practices The Joint Parliamentary Committee which inquired into stock market scam and matters relating thereto has observed that RBI must identify best practices found across banks and establish uniform standards to be followed by all the banks. 2. Reserve Bank of India also fee
RBI No. /2004-05/ 228 UBD.No. BPD. IP. 24 / 12.05.01/ 2004-05 October 20, 2004 Chief Executive Officers of all Primary (Urban) Cooperative Banks Dear Sir / Madam, Systems and procedures – Best practices The Joint Parliamentary Committee which inquired into stock market scam and matters relating thereto has observed that RBI must identify best practices found across banks and establish uniform standards to be followed by all the banks. 2. Reserve Bank of India also fee
సెప్టెం 27, 2004
Time Extended for UCBs to make Additional Provisioning for NPAs
RBI / 2004-05/194 UBD.PCB.Cir.21 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Annual Policy Statement for the Year 2004-05: Additional provisioning requirements for NPAs Please refer to our circular UBD.BPD.PCB. Cir 55/12.05.05/03-04 dated June 30, 2004, wherein UCBs were advised about the enhanced provisioning requirement on the secured portion of advances classified as doubtful for more t
RBI / 2004-05/194 UBD.PCB.Cir.21 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Annual Policy Statement for the Year 2004-05: Additional provisioning requirements for NPAs Please refer to our circular UBD.BPD.PCB. Cir 55/12.05.05/03-04 dated June 30, 2004, wherein UCBs were advised about the enhanced provisioning requirement on the secured portion of advances classified as doubtful for more t
సెప్టెం 27, 2004
UCBs given more Time to make Additional Provisioning for Doubtful Debts
RBI / 2004-05/195 UBD.PCB.Cir.22 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset classification, Provisioning and other related matters Please refer to our circular UBD.No.BSD.I.15/12.05.05/02-03 dated September 11, 2002 advising UCBs that with effect from March 31, 2005 an asset would be classified as doubtful if it remained in the sub-standard category for 12 months
RBI / 2004-05/195 UBD.PCB.Cir.22 /12.05.05/2004-05 September 27, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset classification, Provisioning and other related matters Please refer to our circular UBD.No.BSD.I.15/12.05.05/02-03 dated September 11, 2002 advising UCBs that with effect from March 31, 2005 an asset would be classified as doubtful if it remained in the sub-standard category for 12 months
సెప్టెం 13, 2004
Section 42(1) of Reserve Bank of India Act 1934 - Maintenance of Cash Reserve Ratio (CRR) by Scheduled Primary (Urban) Co-operative Banks
RBI /2004-05 /173UBD. PCB. Cir 19 /16.11.00/2004-05 September 13, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative banks Dear Sir/Madam, Please refer to our Circular UBD. BP.Cir 10/16.11.00/02-03 dated April 29, 2003 on the above subject, in terms of which scheduled primary (urban) co-operative banks are required to maintain an average CRR of 4.5% of their NDTL. On a review of current liquidity conditions, it has been decided to increase
RBI /2004-05 /173UBD. PCB. Cir 19 /16.11.00/2004-05 September 13, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-operative banks Dear Sir/Madam, Please refer to our Circular UBD. BP.Cir 10/16.11.00/02-03 dated April 29, 2003 on the above subject, in terms of which scheduled primary (urban) co-operative banks are required to maintain an average CRR of 4.5% of their NDTL. On a review of current liquidity conditions, it has been decided to increase
సెప్టెం 04, 2004
Income Recognition, Asset Classification and Provisioning - Adoption of 90 - days Norm
RBI /163/2004-05 UBD.PCB.Cir 17 /13.04.00/2004-05 September 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 -days Norm Please refer to our circular UBD.PCB. Cir No. 9/13.04.00/04-05 dated August 4, 2004 on the above subject, wherein UCBs were advised that 90-day loan impairment norm will be applicable to gold loans and small loans upto Rs. 1 lakh w
RBI /163/2004-05 UBD.PCB.Cir 17 /13.04.00/2004-05 September 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 -days Norm Please refer to our circular UBD.PCB. Cir No. 9/13.04.00/04-05 dated August 4, 2004 on the above subject, wherein UCBs were advised that 90-day loan impairment norm will be applicable to gold loans and small loans upto Rs. 1 lakh w
సెప్టెం 01, 2004
Frauds in the area of Housing Finance
RBI No /2004-05 /151 UBD. No. BPD. 15 /12.05.01 /2004-05 September 1, 2004 The Chief Executive Officers of all primary (Urban) Co-operative Banks Dear Sir, Frauds in the area of Housing Finance We advise that a Group headed by General Manager, Central Bank of India constituted by Reserve Bank of India examined the causes for growing incidence of frauds in Housing Finance and submitted its report indicating remedial measures. We forward herewith a copy of the report co
RBI No /2004-05 /151 UBD. No. BPD. 15 /12.05.01 /2004-05 September 1, 2004 The Chief Executive Officers of all primary (Urban) Co-operative Banks Dear Sir, Frauds in the area of Housing Finance We advise that a Group headed by General Manager, Central Bank of India constituted by Reserve Bank of India examined the causes for growing incidence of frauds in Housing Finance and submitted its report indicating remedial measures. We forward herewith a copy of the report co
ఆగ 24, 2004
Opening of Current Accounts by banks - Need for discipline
RBI/2004-05/ 137UBD. PCB. Cir. No. 14 /09.11.01/2004-05 August 24 , 2004The Chief Executive Officers of allPrimary (Urban) Co-operative BanksDear Sir,Opening of Current Accounts by banks - Need for disciplinePlease refer to our circular UBD. PCB. Cir. No. 7 / 09.11.01/2004-05 dated July 29, 2004 on the above subject.2. In this connection, it is clarified that where the due diligence is carried out on the request of a prospective customer who is a corporate or large bo
RBI/2004-05/ 137UBD. PCB. Cir. No. 14 /09.11.01/2004-05 August 24 , 2004The Chief Executive Officers of allPrimary (Urban) Co-operative BanksDear Sir,Opening of Current Accounts by banks - Need for disciplinePlease refer to our circular UBD. PCB. Cir. No. 7 / 09.11.01/2004-05 dated July 29, 2004 on the above subject.2. In this connection, it is clarified that where the due diligence is carried out on the request of a prospective customer who is a corporate or large bo
ఆగ 19, 2004
Transactions in Government Securities - DVP III mode of settlement
RBI/2004-05/133 UBD. NO. SUB. CIR. 2 /09.80.00/2004-05 August 19, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-op. Banks Dear Sir, Transactions in Government Securities – DVP III mode of settlement Please refer to the instructions contained in our circular BPD.SUB.CIR. 5 /09.80.00/2003-04 dated April 28, 2004 under which sale of government securities already contracted for purchase was permitted provided certain conditions stipulated therein w
RBI/2004-05/133 UBD. NO. SUB. CIR. 2 /09.80.00/2004-05 August 19, 2004 The Chief Executive Officers of All Scheduled Primary (Urban) Co-op. Banks Dear Sir, Transactions in Government Securities – DVP III mode of settlement Please refer to the instructions contained in our circular BPD.SUB.CIR. 5 /09.80.00/2003-04 dated April 28, 2004 under which sale of government securities already contracted for purchase was permitted provided certain conditions stipulated therein w
ఆగ 18, 2004
Capital Investment Subsidy Scheme for construction/renovation/expansion of rural godowns
RBI/2004-05/128 UBD No. SUB.CIR. 1/ 16.26.00/2004-05 August 18, 2004 The Chief Executive Officers of all Scheduled Primary (Urban) Co-operative Banks Dear Sir, Capital Investment Subsidy Scheme for construction/ renovation/expansion of rural godowns As you may be aware a credit linked Capital Investment Subsidy Scheme for Construction / Renovation / Expansion of Rural Godowns is being implemented by NABARD. Under the scheme NABARD will release back-ended subsidy for a
RBI/2004-05/128 UBD No. SUB.CIR. 1/ 16.26.00/2004-05 August 18, 2004 The Chief Executive Officers of all Scheduled Primary (Urban) Co-operative Banks Dear Sir, Capital Investment Subsidy Scheme for construction/ renovation/expansion of rural godowns As you may be aware a credit linked Capital Investment Subsidy Scheme for Construction / Renovation / Expansion of Rural Godowns is being implemented by NABARD. Under the scheme NABARD will release back-ended subsidy for a
ఆగ 09, 2004
Sanction of Temporary Overdraft Facilities (TODs) and Cheque Purchase Facilities
RBI/2004-05/106 UBD(CO) PCB.Cir. No. 11 /13.05.00/2004-05 August 9, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Sanction of Temporary Overdraft Facilities (TODs) and Cheque Purchase Facilities It has come to our attention that some primary urban co-operative banks are indulging in sanction of temporary overdraft facilities/cheque purchase facilities, which are unsecured in nature, much beyond the prescribed limits. 2. In this
RBI/2004-05/106 UBD(CO) PCB.Cir. No. 11 /13.05.00/2004-05 August 9, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Sanction of Temporary Overdraft Facilities (TODs) and Cheque Purchase Facilities It has come to our attention that some primary urban co-operative banks are indulging in sanction of temporary overdraft facilities/cheque purchase facilities, which are unsecured in nature, much beyond the prescribed limits. 2. In this
ఆగ 04, 2004
Income Recognition, Asset Classification and Provisioning - Adoption of 90 days Norm
RBI /2004-05/98 UBD..PCB.Cir 9 /13.04.00/2004-05 August 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 days Norm Please refer to our circular UBD.No. BPD. 48/13.04.00/02-03 dated May 22, 2003 advising the banks to classify an asset as non-performing if the interest and/or installment of principal remained overdue for a period of more than 90 days
RBI /2004-05/98 UBD..PCB.Cir 9 /13.04.00/2004-05 August 4, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Income Recognition, Asset Classification and Provisioning - Adoption of 90 days Norm Please refer to our circular UBD.No. BPD. 48/13.04.00/02-03 dated May 22, 2003 advising the banks to classify an asset as non-performing if the interest and/or installment of principal remained overdue for a period of more than 90 days
ఆగ 02, 2004
Priority Sector Lending by Primary (Urban) Cooperative Banks
RBI/2004-05/87 UBD(CO)BPD.PCB 8/09.09.01/2004-05 August 2, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Priority Sector Lending by Primary (Urban) Cooperative Banks- Please refer to paragraph No. 3 of our circular UBD.BPD.PCB. 3/ 09.09.01/ 2003-04 dated July 9, 2003 on the captioned subject, advising you to submit the information regarding Scheduled Castes and Scheduled Tribes under separate columns in Annexure II, (Part II) of
RBI/2004-05/87 UBD(CO)BPD.PCB 8/09.09.01/2004-05 August 2, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Priority Sector Lending by Primary (Urban) Cooperative Banks- Please refer to paragraph No. 3 of our circular UBD.BPD.PCB. 3/ 09.09.01/ 2003-04 dated July 9, 2003 on the captioned subject, advising you to submit the information regarding Scheduled Castes and Scheduled Tribes under separate columns in Annexure II, (Part II) of
జులై 29, 2004
Opening of Current Accounts by banks - Need for discipline
RBI/2004-05/86 UBD. PCB.Cir. No. 7/09.11.01/2003-04 July 29, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Opening of Current Accounts by banks - Need for discipline It has been brought to our notice that some borrowers open current accounts with banks other than the lending bank, with a view to overcoming credit discipline that is imposed on them by the lending bank. They usually resort to this practice when their loan accounts
RBI/2004-05/86 UBD. PCB.Cir. No. 7/09.11.01/2003-04 July 29, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Opening of Current Accounts by banks - Need for discipline It has been brought to our notice that some borrowers open current accounts with banks other than the lending bank, with a view to overcoming credit discipline that is imposed on them by the lending bank. They usually resort to this practice when their loan accounts
జులై 28, 2004
Placement of deposits by Non Scheduled UCBs with eligible Scheduled UCBs
RBI/2004-05/76 UBD. PCB.Cir. No. 6 /12.05.01/2004-05 July 28, 2004 The Chief Executive Officers of all Non-Scheduled Primary (Urban) Co-operative Banks (UCBs) Dear Sir, Placement of deposits by Non Scheduled UCBs with eligible Scheduled UCBs Please refer to our circular UBD. No. BPD. PCB. Cir. 46 /16.20.00 / 2002-03 dated May 17, 2003, permitting non-scheduled urban co-operative banks (UCBs) to place deposits with eligible scheduled urban co-operative banks. A referen
RBI/2004-05/76 UBD. PCB.Cir. No. 6 /12.05.01/2004-05 July 28, 2004 The Chief Executive Officers of all Non-Scheduled Primary (Urban) Co-operative Banks (UCBs) Dear Sir, Placement of deposits by Non Scheduled UCBs with eligible Scheduled UCBs Please refer to our circular UBD. No. BPD. PCB. Cir. 46 /16.20.00 / 2002-03 dated May 17, 2003, permitting non-scheduled urban co-operative banks (UCBs) to place deposits with eligible scheduled urban co-operative banks. A referen
జులై 22, 2004
List of All India Financial Institutions
RBI/ 2004-05/ 61 UBD. No. PCB. Cir. 5 / 16.20.00 / 2004-05 July 22, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, List of All India Financial Institutions Please refer to para b,8(i) and Appendix- II of our circular UBD. No. BPD. PCB. Cir. 45/ 16.20.00/ 2003-04 dated April 15, 2004 wherein Urban Co-operative Banks were advised that they can invest in bonds / equity of All India Financial Institutions, subject to the limits presc
RBI/ 2004-05/ 61 UBD. No. PCB. Cir. 5 / 16.20.00 / 2004-05 July 22, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, List of All India Financial Institutions Please refer to para b,8(i) and Appendix- II of our circular UBD. No. BPD. PCB. Cir. 45/ 16.20.00/ 2003-04 dated April 15, 2004 wherein Urban Co-operative Banks were advised that they can invest in bonds / equity of All India Financial Institutions, subject to the limits presc
జులై 13, 2004
Second Schedule to RBI Act, 1934 - Norms for inclusion
RBI/2004-05/41 UBD.No.BPD. 3 /16.05.00/2004-05 July 13, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Second Schedule to RBI Act, 1934 - Norms for inclusion As per the Government of India Notification F.No.14-13/2003-AC dated 30th October 2003 (copy enclosed) published in the Gazette of India dated 8th November 2003 (Statutory order 3163), notifying that henceforth (with effect from 1July 2003) only such of the primary co-operat
RBI/2004-05/41 UBD.No.BPD. 3 /16.05.00/2004-05 July 13, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Second Schedule to RBI Act, 1934 - Norms for inclusion As per the Government of India Notification F.No.14-13/2003-AC dated 30th October 2003 (copy enclosed) published in the Gazette of India dated 8th November 2003 (Statutory order 3163), notifying that henceforth (with effect from 1July 2003) only such of the primary co-operat
జులై 09, 2004
"Know Your Customer" Guidelines-Compliance
RBI/2004-05/29UBD.BPD. PCB. Cir. 02 /09.161.00/2004-05 July 9, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, 'Know Your Customer' Guidelines-Compliance Please refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on 'Know Your Customer Guidelines' to be followed by urban cooperative banks. You were advised vide paragraph 3 of the above circular that in case of any omission in respect of the exist
RBI/2004-05/29UBD.BPD. PCB. Cir. 02 /09.161.00/2004-05 July 9, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, 'Know Your Customer' Guidelines-Compliance Please refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on 'Know Your Customer Guidelines' to be followed by urban cooperative banks. You were advised vide paragraph 3 of the above circular that in case of any omission in respect of the exist
జూన్ 30, 2004
Annual Policy Statement for the year 2004-05 : Prudential Norms for Agricultural Advances
RBI/2004/270UBD.BPD.PCB. Cir. 53 /13.05.00/2003-04 June 30, 2004All Primary (Urban) Co-operative BanksDear Sir, Annual Policy Statement for the year 2004-05 : Prudential Norms for Agricultural AdvancesAs per para 2.1.1(iv) of the Master Circular dated December 26, 2004 relating to income recognition, asset classification and provisioning, all direct agricultural advances as listed in the Annexure I to the circular would become NPA, when interest and / or instalment of
RBI/2004/270UBD.BPD.PCB. Cir. 53 /13.05.00/2003-04 June 30, 2004All Primary (Urban) Co-operative BanksDear Sir, Annual Policy Statement for the year 2004-05 : Prudential Norms for Agricultural AdvancesAs per para 2.1.1(iv) of the Master Circular dated December 26, 2004 relating to income recognition, asset classification and provisioning, all direct agricultural advances as listed in the Annexure I to the circular would become NPA, when interest and / or instalment of
జూన్ 30, 2004
In the Supreme Court of India - Transfer case( Civil) Nos. 92-95 of 2002 - Mardia Chemicals Ltd. vs Union of India & Others - Decision of the Supreme Court dated April 8, 2004 Regarding validity of provisions of Securitisation and Reconstruction of Financ
RBI/2004/271UBD.PCB.Cir. 54 /13.04.00/2003-04 June 30, 2004All the Primary (Urban) Cooperative BanksDear Sir, In the Supreme Court of India - Transfer case( Civil) Nos. 92-95 of 2002 - Mardia Chemicals Ltd. vs Union of India & Others - Decision of the Supreme Court dated April 8, 2004 Regarding validity of provisions of Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002We advise that in the above transfer case and
RBI/2004/271UBD.PCB.Cir. 54 /13.04.00/2003-04 June 30, 2004All the Primary (Urban) Cooperative BanksDear Sir, In the Supreme Court of India - Transfer case( Civil) Nos. 92-95 of 2002 - Mardia Chemicals Ltd. vs Union of India & Others - Decision of the Supreme Court dated April 8, 2004 Regarding validity of provisions of Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002We advise that in the above transfer case and
జూన్ 30, 2004
Annual Policy Statement for the year 2004-05 : Additional Provisioning Requirement for NPAs
RBI/2004/272UBD.BPD.PCB.Cir. 55/12.05.05/ 2003-2004 June 30, 2004 All Primary (Urban) Co-operative banksDear Sir, Annual Policy Statement for the year 2004-05:Additional Provisioning Requirement for NPAs As per our circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 banks are required to make provisions on NPAs on a graded scale based on the age of the NPA. However, in respect of NPAs included in 'doubtful for more than three years' category, the provisioning
RBI/2004/272UBD.BPD.PCB.Cir. 55/12.05.05/ 2003-2004 June 30, 2004 All Primary (Urban) Co-operative banksDear Sir, Annual Policy Statement for the year 2004-05:Additional Provisioning Requirement for NPAs As per our circular UBD.No.IP.30/12.05.05/02-03 dated December 26, 2002 banks are required to make provisions on NPAs on a graded scale based on the age of the NPA. However, in respect of NPAs included in 'doubtful for more than three years' category, the provisioning
జూన్ 01, 2004
Income Recognition, Asset Classification and Provisioning Norms
RBI/2004/228 UBD.No.PCB. 49 /12.05.03/2003.04 1 June 2004 The Chief Executive Officers of all Urban Co-operative Banks Dear Sir, Income Recognition, Asset Classification and Provisioning Norms Please refer to paragraph 2.1.3 of our Master circular on Prudential Norms, forwarded with our letter BSD.No.IP.30/12.05.05/2002.03 dated 26 December 2002, advising the banks to ensure that classification of non performing assets is done on an ongoing basis and that doubts in as
RBI/2004/228 UBD.No.PCB. 49 /12.05.03/2003.04 1 June 2004 The Chief Executive Officers of all Urban Co-operative Banks Dear Sir, Income Recognition, Asset Classification and Provisioning Norms Please refer to paragraph 2.1.3 of our Master circular on Prudential Norms, forwarded with our letter BSD.No.IP.30/12.05.05/2002.03 dated 26 December 2002, advising the banks to ensure that classification of non performing assets is done on an ongoing basis and that doubts in as
మే 29, 2004
Know Your Customer Guidelines-Compliance
RBI/2004/227UBD No.UBD.BPD. PCB. Cir. 48 /09.161.00/2003-04May 29, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative BanksDear Sir"Know Your Customer" Guidelines-CompliancePlease refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on "Know Your Customer" guidelines to be followed by urban cooperative banks while opening accounts. While complying with the above requirements, UCBs also collect a lot of additional pe
RBI/2004/227UBD No.UBD.BPD. PCB. Cir. 48 /09.161.00/2003-04May 29, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative BanksDear Sir"Know Your Customer" Guidelines-CompliancePlease refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on "Know Your Customer" guidelines to be followed by urban cooperative banks while opening accounts. While complying with the above requirements, UCBs also collect a lot of additional pe
మే 24, 2004
Loan against house property
RBI / 2004/214 UBD. No. BPD. 47 /12.05.10(WA)/ 2003-2004 May 24, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Loan against house property Certain instances of housing loans granted against mortgage of house property the value of which has been shown to be unrealistically high, have come to our notice. In such cases, the possibility of banks incurring a loss in the event of a need arising to recover the loan through disposal of
RBI / 2004/214 UBD. No. BPD. 47 /12.05.10(WA)/ 2003-2004 May 24, 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Loan against house property Certain instances of housing loans granted against mortgage of house property the value of which has been shown to be unrealistically high, have come to our notice. In such cases, the possibility of banks incurring a loss in the event of a need arising to recover the loan through disposal of
మార్చి 26, 2004
Know Your Customer Guidelines-Compliance
RBI/2004/ 119 UBD.BPD. PCB. Cir 41 /09.161.00/2003-04 March 26, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, "Know Your Customer" Guidelines-Compliance Please refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on " Know Your Customer Guidelines" to be followed by banks. 2. In this connection, we invite your attention to para 3 of the circular wherein you were advised that banks should
RBI/2004/ 119 UBD.BPD. PCB. Cir 41 /09.161.00/2003-04 March 26, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, "Know Your Customer" Guidelines-Compliance Please refer to our circular UBD No. DS.PCB. Cir 17/13.01.00/2002-03 dated September 18, 2002 on " Know Your Customer Guidelines" to be followed by banks. 2. In this connection, we invite your attention to para 3 of the circular wherein you were advised that banks should
మార్చి 20, 2004
Concurrent Audit - Serious irregularities
RBI / 2004 / 111 UBD. No. BSD. IP. 39 /12.05.01/ 2003-2004 March 20 , 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Concurrent Audit – Serious irregularities Please refer to our circular UBD No. BPD.CIR. 37 /09.06.00 / 2002-03 dated March 6, 2003 advising all Urban Co-operative Banks to introduce concurrent audit. 2. We advise that if any serious irregularities are brought out in the Concurrent Audit Report by the Concurr
RBI / 2004 / 111 UBD. No. BSD. IP. 39 /12.05.01/ 2003-2004 March 20 , 2004 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Concurrent Audit – Serious irregularities Please refer to our circular UBD No. BPD.CIR. 37 /09.06.00 / 2002-03 dated March 6, 2003 advising all Urban Co-operative Banks to introduce concurrent audit. 2. We advise that if any serious irregularities are brought out in the Concurrent Audit Report by the Concurr
మార్చి 19, 2004
Priority Sector Advances- Enhancement in SSI Investment limit for specified items
RBI/2004/110Ref No.UBD.CO. BPD. 38/09.09.01/2003-04 March 19, 2004 To All Urban Co-operative Banks Dear Sir, Priority Sector Advances- Enhancement in SSI Investment limit for specified items Please refer to our Circular No. UBD.POT. 40/09.09.01/2001-02 dated April 6, 2002 on the captioned subject. 2. We advise that Government of India have since issued a Gazette Notification No. S.O. 655(E) dated June 5, 2003 detailing the list of 13 items of the Stationery Sector and
RBI/2004/110Ref No.UBD.CO. BPD. 38/09.09.01/2003-04 March 19, 2004 To All Urban Co-operative Banks Dear Sir, Priority Sector Advances- Enhancement in SSI Investment limit for specified items Please refer to our Circular No. UBD.POT. 40/09.09.01/2001-02 dated April 6, 2002 on the captioned subject. 2. We advise that Government of India have since issued a Gazette Notification No. S.O. 655(E) dated June 5, 2003 detailing the list of 13 items of the Stationery Sector and
మార్చి 16, 2004
Discounting / Rediscounting of Bills by Banks
RBI/2004/101 UBD.No.BPD.PCB.Cir.37/13.05.00/2003-2004 March 16, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Discounting / Rediscounting of Bills by Banks Please refer to our circular UBD.No.PCB.11/DC.R.1(B)/92-93 dated September 17, 1992 on the above subject. 2. Banks may be aware that in December 1999, Reserve Bank of India (RBI) had constituted a Working Group on Discounting of Bills by Banks under the Chairmanship of Shri K
RBI/2004/101 UBD.No.BPD.PCB.Cir.37/13.05.00/2003-2004 March 16, 2004 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Discounting / Rediscounting of Bills by Banks Please refer to our circular UBD.No.PCB.11/DC.R.1(B)/92-93 dated September 17, 1992 on the above subject. 2. Banks may be aware that in December 1999, Reserve Bank of India (RBI) had constituted a Working Group on Discounting of Bills by Banks under the Chairmanship of Shri K
ఫిబ్ర 14, 2004
Off-site Surveillance System for Primary (Urban) Co-operative Banks
RBI/2004/59UBD.No.OSS.SUB.Cir.3/18.00.00/2003-2004 February 14, 2004 The Chief Executive Officers of allScheduled Primary (Urban) Co-operative Banks Dear Sir,Off-site Surveillance System for Primary (Urban) Co-operative BanksA supervisory reporting system comprising 10 Off-site Surveillance (OSS) Returns was introduced for all Scheduled Primary (Urban) Co-operatives banks (Scheduled UCBs) with effect from March 31, 2001 vide our Circular UBD.No.BSD.I/SCB.4/12.05.01/20
RBI/2004/59UBD.No.OSS.SUB.Cir.3/18.00.00/2003-2004 February 14, 2004 The Chief Executive Officers of allScheduled Primary (Urban) Co-operative Banks Dear Sir,Off-site Surveillance System for Primary (Urban) Co-operative BanksA supervisory reporting system comprising 10 Off-site Surveillance (OSS) Returns was introduced for all Scheduled Primary (Urban) Co-operatives banks (Scheduled UCBs) with effect from March 31, 2001 vide our Circular UBD.No.BSD.I/SCB.4/12.05.01/20
ఫిబ్ర 11, 2004
Maximum Limit on advances - Limits on credit Exposure to Individual/group of borrowers - Computation of capital funds
RESERVE BANK OF INDIA CENTRAL OFFICE URBAN BANKS DEPARTMENT February 11, 2004 RBI/2004/53 Ref. UBD. No. BPD.PCB.Cir. 34 /13.05.00/2003-04. The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir/Madam, Maximum Limit on advances – Limits on credit Exposure to Individual/group of borrowers - Computation of capital funds. Please refer to para 2(ii) of circular UBD No. DS 4/13.05.00/2000-01 dated August 25, 2000 read with circular UBD No. DS.PCB.Ci
RESERVE BANK OF INDIA CENTRAL OFFICE URBAN BANKS DEPARTMENT February 11, 2004 RBI/2004/53 Ref. UBD. No. BPD.PCB.Cir. 34 /13.05.00/2003-04. The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir/Madam, Maximum Limit on advances – Limits on credit Exposure to Individual/group of borrowers - Computation of capital funds. Please refer to para 2(ii) of circular UBD No. DS 4/13.05.00/2000-01 dated August 25, 2000 read with circular UBD No. DS.PCB.Ci
ఫిబ్ర 11, 2004
Maintenance of CSGL accounts
RESERVE BANK OF INDIA CENTRAL OFFICE MUMBAI- 400 018 URBAN BANKS DEPARTMENT February 11, 2004 RBI/2004/52 Ref.UBD No.BPD.PCB Cir. 33/09.11.00/2003-04 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Maintenance of CSGL accounts. As per the extant instructions, urban co-operative banks are not allowed to open and maintain Constituent Subsidiary General Ledger (CSGL) Accounts of other Urban Co-operative Banks (UCBs). It has, however
RESERVE BANK OF INDIA CENTRAL OFFICE MUMBAI- 400 018 URBAN BANKS DEPARTMENT February 11, 2004 RBI/2004/52 Ref.UBD No.BPD.PCB Cir. 33/09.11.00/2003-04 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Maintenance of CSGL accounts. As per the extant instructions, urban co-operative banks are not allowed to open and maintain Constituent Subsidiary General Ledger (CSGL) Accounts of other Urban Co-operative Banks (UCBs). It has, however
జన 17, 2004
Non Stapling of Note Packets
January 17, 2004RBI/2004/20 UBD No.BPD. PCB. Cir 31 /09.73.00/2003-04 CEOs of All Primary (Urban) Co-operative Banks Dear Sir, Non Stapling of Note Packets As you are aware, the Reserve Bank of India had issued a directive under Section 35 A of the Banking Regulation Act 1949 read with Section 56 of the Act directing the banks to stop stapling the note packets and making it mandatory for banks to sort notes into re-issuable and non-issuables and issue only re-issuable
January 17, 2004RBI/2004/20 UBD No.BPD. PCB. Cir 31 /09.73.00/2003-04 CEOs of All Primary (Urban) Co-operative Banks Dear Sir, Non Stapling of Note Packets As you are aware, the Reserve Bank of India had issued a directive under Section 35 A of the Banking Regulation Act 1949 read with Section 56 of the Act directing the banks to stop stapling the note packets and making it mandatory for banks to sort notes into re-issuable and non-issuables and issue only re-issuable
సెప్టెం 18, 2002
Guidelines on "Know Your Customer" Norms and "Cash Transactions"
UBD.No.DS.PCB.Cir.17/13.01.00/2002-03 September 18, 2002 The Chief Executives of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Guidelines on "Know Your Customer" Norms and "Cash Transactions" As part of 'Know Your Customer' (KYC) principle, RBI has issued several guidelines relating to identification of depositors and advised the banks to put in place systems and procedures to help control financial frauds, identify money laundering and suspicious activitie
UBD.No.DS.PCB.Cir.17/13.01.00/2002-03 September 18, 2002 The Chief Executives of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Guidelines on "Know Your Customer" Norms and "Cash Transactions" As part of 'Know Your Customer' (KYC) principle, RBI has issued several guidelines relating to identification of depositors and advised the banks to put in place systems and procedures to help control financial frauds, identify money laundering and suspicious activitie
అక్టో 22, 2001
Bank finance against shares and debentures
UBD.No.DS.PCB.CIR.16/13.05.00/2001-02@@NBSP@@@@NBSP@@ October 22, 2001 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Bank finance against shares and debentures Please refer to our circular no. DS.PCB.CIR.41/13.05-00/2000-01 dated April 19, 2001 on the above subject, in terms of which urban co-operative banks (UCBs) are prohibited from entertaining any fresh proposals for lending directly or indirectly against security of shares either to
UBD.No.DS.PCB.CIR.16/13.05.00/2001-02@@NBSP@@@@NBSP@@ October 22, 2001 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Bank finance against shares and debentures Please refer to our circular no. DS.PCB.CIR.41/13.05-00/2000-01 dated April 19, 2001 on the above subject, in terms of which urban co-operative banks (UCBs) are prohibited from entertaining any fresh proposals for lending directly or indirectly against security of shares either to
మే 26, 1993
Interest Rates on Deposits - Premature Withdrawal
UBD.(PCB)78/DC.V.1(B)/92-93All Primary (Urban) Co-operative Banks May 26, 1993 Dear Sirs, Interest Rates on Deposits - Premature Withdrawal Please refer to paragraphs 11 and 12 of our directive No. UBD.DC.102/V.1-87/88 dated 25 June 1987 regarding premature withdrawal closure of term deposits. 2. As banks are aware, in terms of paragraph 12 of our above directive dated 25 June 1987, in case of premature closure of a term deposit, a deposit in the form
UBD.(PCB)78/DC.V.1(B)/92-93All Primary (Urban) Co-operative Banks May 26, 1993 Dear Sirs, Interest Rates on Deposits - Premature Withdrawal Please refer to paragraphs 11 and 12 of our directive No. UBD.DC.102/V.1-87/88 dated 25 June 1987 regarding premature withdrawal closure of term deposits. 2. As banks are aware, in terms of paragraph 12 of our above directive dated 25 June 1987, in case of premature closure of a term deposit, a deposit in the form
సెప్టెం 05, 1980
Union Budget - 2008-09 - Agricultural Debt Waiver and Debt Relief Scheme, 2008-UCBs
RBI/2008/ 157 UBD.PCB.Cir.No.9 /13.05.000/2008-09 September 5, 2008 The Chief Executive Officer of all Primary (Urban) co-operative banks Dear Sir/Madam, Union Budget – 2008-09 – Agricultural Debt Waiver and Debt Relief Scheme, 2008-UCBs Please refer to our circular UBD.PCB.Cir.No.43/13.05.000/07-08 @@NBSP@@dated May 23, 2008, forwarding therewith the Agricultural Debt Waiver and Debt Relief Scheme 2008, and our subsequent circular UBD.PCB.Cir.No.50/13.05.000/07-08 da
RBI/2008/ 157 UBD.PCB.Cir.No.9 /13.05.000/2008-09 September 5, 2008 The Chief Executive Officer of all Primary (Urban) co-operative banks Dear Sir/Madam, Union Budget – 2008-09 – Agricultural Debt Waiver and Debt Relief Scheme, 2008-UCBs Please refer to our circular UBD.PCB.Cir.No.43/13.05.000/07-08 @@NBSP@@dated May 23, 2008, forwarding therewith the Agricultural Debt Waiver and Debt Relief Scheme 2008, and our subsequent circular UBD.PCB.Cir.No.50/13.05.000/07-08 da
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