The Chairman/CEOs of all Scheduled Commercial Banks ( Excluding RRBs) /
all Financial Institutions

Dear Sir,

Reserve Bank of India has issued regulatory guidelines on Know Your Customer (KYC) norms / Anti Money Laundering (AML) Standards / Combating of Financing of Terrorism (CFT) from time to time. This Master Circular consolidates all the guidelines issued by Reserve Bank of India on KYC/AML/CFT norms up to June 30, 2008.

2. This Master Circular has been placed on the RBI website (http://www.rbi.org.in).

Yours faithfully,

(Vinay Baijal)
Chief General Manager