Notifications -Regulating Co-operative Banking - ربی - Reserve Bank of India
notifications
مئی 26, 2006
UCBs advised to display Service Charges in their branches/on Website
RBI/ 2005-06/392 UBD. (PCB).Cir.No.54/09.39.000/05-06 May 26, 2006The Chief Executive Officers of All Primary (Urban Co-operative Banks)Dear Sir/Madam, Annual Policy Statement for the year 2006-07- Fair Practices Code- Display of Bank Charges-UCBs Please refer to the paragraph 162 of the Annual Policy Statement for the year 2006-07, a copy of which is enclosed.2. As per extant instructions, the decision to prescribe service charges is left to the discretion of the Boa
RBI/ 2005-06/392 UBD. (PCB).Cir.No.54/09.39.000/05-06 May 26, 2006The Chief Executive Officers of All Primary (Urban Co-operative Banks)Dear Sir/Madam, Annual Policy Statement for the year 2006-07- Fair Practices Code- Display of Bank Charges-UCBs Please refer to the paragraph 162 of the Annual Policy Statement for the year 2006-07, a copy of which is enclosed.2. As per extant instructions, the decision to prescribe service charges is left to the discretion of the Boa
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اپریل 28, 2006
UCBs- Faciltities at Extension Counters
RBI/2005-06/ 380 UBD.LS. (PCB).No. 49 / 07.01.000/2005-06 April 28, 2006 Chief Executive Officers of Primary (Urban) Cooperative Banks Dear Sir, Facilities at Extension Counters by Primary ( Urban) Cooperative Banks Please refer to para 4.1 of our circular UBD.BL.No. 5/ 07.01.00/2003-04 dated July 22, 2003 on the captioned subject. 2. With a view to enable the banks to provide better customer service, it has been decided to allow them to undertake following limited tr
RBI/2005-06/ 380 UBD.LS. (PCB).No. 49 / 07.01.000/2005-06 April 28, 2006 Chief Executive Officers of Primary (Urban) Cooperative Banks Dear Sir, Facilities at Extension Counters by Primary ( Urban) Cooperative Banks Please refer to para 4.1 of our circular UBD.BL.No. 5/ 07.01.00/2003-04 dated July 22, 2003 on the captioned subject. 2. With a view to enable the banks to provide better customer service, it has been decided to allow them to undertake following limited tr
اپریل 28, 2006
Installation of Automated Teller Machines (ATMs)-UCBs
RBI/2005-06/379 UBD (PCB) BPD Cir No. 50/09.69.000/2005-06 April 28, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Installation of Automated Teller Machines (ATMs)-UCBs Please refer to the announcement made in the Annual Policy Statement for the year 2006-07 to permit well-managed scheduled and non-scheduled UCBs to set up select off-site/ on-site ATMs, based on the recommendation of the concerned TAFCUB. 2. In supercessio
RBI/2005-06/379 UBD (PCB) BPD Cir No. 50/09.69.000/2005-06 April 28, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Installation of Automated Teller Machines (ATMs)-UCBs Please refer to the announcement made in the Annual Policy Statement for the year 2006-07 to permit well-managed scheduled and non-scheduled UCBs to set up select off-site/ on-site ATMs, based on the recommendation of the concerned TAFCUB. 2. In supercessio
اپریل 20, 2006
UCBs - Interest Rates on NRE Deposits
RBI/2005-06/370 UBD.(PCB). BPD.No. Cir 48 /13.01.000/2005-06 April 20, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/ Madam, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits - UCBs Please refer to our circular UBD.PCB.Cir 17/13.01.000/2005-06 dated November 22, 2005 read with UBD (PCB) BPD Cir No. 42/13.01.000/2005-06 dated April 5, 2006 on the captioned subject. 2. On a review, it has been decided that until further
RBI/2005-06/370 UBD.(PCB). BPD.No. Cir 48 /13.01.000/2005-06 April 20, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/ Madam, Interest Rate on Non-Resident (External) Rupee (NRE) Deposits - UCBs Please refer to our circular UBD.PCB.Cir 17/13.01.000/2005-06 dated November 22, 2005 read with UBD (PCB) BPD Cir No. 42/13.01.000/2005-06 dated April 5, 2006 on the captioned subject. 2. On a review, it has been decided that until further
اپریل 20, 2006
Guidelines for Relief Measures by Banks to Poultry Industry - UCBs
RBI/ 2005-06/369 UBD.CO. (PCB) Cir. No.47 /09.14.001/2005-06 April 20, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Guidelines for Relief Measures by Banks to Poultry Industry - UCBs As you are aware, there have been instances of outbreak of Avian Influenza (bird flu) in some areas of the country. Keeping in view the loss of income that has occurred due to culling of birds as well as steep fall in the demand for poultry
RBI/ 2005-06/369 UBD.CO. (PCB) Cir. No.47 /09.14.001/2005-06 April 20, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Guidelines for Relief Measures by Banks to Poultry Industry - UCBs As you are aware, there have been instances of outbreak of Avian Influenza (bird flu) in some areas of the country. Keeping in view the loss of income that has occurred due to culling of birds as well as steep fall in the demand for poultry
اپریل 19, 2006
Bills discounted under LC - Risk Weight and Exposure Norms - UCBs
RBI/2005-06/367 UBD.(PCB).BPD.Cir No: 46/13.05.000/2005-06 April 19, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Bills discounted under LC – Risk Weight and Exposure Norms - UCBs Please refer to our circular UBD.BPD.PCB.cir. 37/13.05.00/2003-04 dated March 16, 2004. In terms of para 2 (iv) of the circular, the credit exposure on account of bills purchased / discounted / negotiated under LCs or otherwise should be reckone
RBI/2005-06/367 UBD.(PCB).BPD.Cir No: 46/13.05.000/2005-06 April 19, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir/Madam, Bills discounted under LC – Risk Weight and Exposure Norms - UCBs Please refer to our circular UBD.BPD.PCB.cir. 37/13.05.00/2003-04 dated March 16, 2004. In terms of para 2 (iv) of the circular, the credit exposure on account of bills purchased / discounted / negotiated under LCs or otherwise should be reckone
اپریل 13, 2006
Distribution of units of Mutual Funds- UCBs
RBI/2005-06/360 UBD.BPD(PCB) Cir.No.44/ 09.18.100/2005-06 April 13, 2006. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir /Madam, Distribution of units of Mutual Funds- UCBs We have been receiving requests from banks and their Associations/ Federations for marketing of units of Mutual Funds as agents. The matter has been examined and it has been decided that primary (urban) co-operative banks (UCBs) registered in states, which have sign
RBI/2005-06/360 UBD.BPD(PCB) Cir.No.44/ 09.18.100/2005-06 April 13, 2006. The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir /Madam, Distribution of units of Mutual Funds- UCBs We have been receiving requests from banks and their Associations/ Federations for marketing of units of Mutual Funds as agents. The matter has been examined and it has been decided that primary (urban) co-operative banks (UCBs) registered in states, which have sign
اپریل 05, 2006
Interest Rates on Non-Resident Deposits - UCBs
RBI/2005-06/354 UBD.(PCB)CO.BPD.Cir No. 42/13.01.000/ 2005-06 April 5, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir, Interest Rates on Non-Resident Deposits - UCBs Please refer to our circular UBD.PCB.No.Cir17/13.01.000/2005-06 dated November 22, 2005 on the captioned subject in terms of which interest rates on fresh repatriable Non-Resident (External) Rupee (NRE) Term deposits for one to three years should not exceed the LIBOR/
RBI/2005-06/354 UBD.(PCB)CO.BPD.Cir No. 42/13.01.000/ 2005-06 April 5, 2006 The Chief Executive Officers of All Primary (urban) Co-operative Banks Dear Sir, Interest Rates on Non-Resident Deposits - UCBs Please refer to our circular UBD.PCB.No.Cir17/13.01.000/2005-06 dated November 22, 2005 on the captioned subject in terms of which interest rates on fresh repatriable Non-Resident (External) Rupee (NRE) Term deposits for one to three years should not exceed the LIBOR/
مارچ 29, 2006
UCBs - Investment Portfolio - Classification & Valuation of Investments
RBI/2005-06/341 UBD (PCB).BPD. Cir. 41 /16.20.000/2005-06 March 29, 2006 @@NBSP@@ The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir/ Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments As you are aware, as per the extant instructions, the primary (urban) cooperative banks are allowed to shift securities from AFS/HFT to HTM category and vice versa once at the beginning of the year. I
RBI/2005-06/341 UBD (PCB).BPD. Cir. 41 /16.20.000/2005-06 March 29, 2006 @@NBSP@@ The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir/ Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments As you are aware, as per the extant instructions, the primary (urban) cooperative banks are allowed to shift securities from AFS/HFT to HTM category and vice versa once at the beginning of the year. I
مارچ 24, 2006
Currency Chest facility for UCBs
RBI/2005-06/337 UBD(PCB).Cir.No.39/ 09.17.500/2005-06 March 24, 2006. The Chief Executive Officers of all Primary (urban) Co-operative Banks Dear Sir, Currency Chest facility for UCBs As you are aware, an announcement was made in the Mid Term Review of the Annual Policy Statement for the year 2005-06 to extend currency chest facility to scheduled UCBs registered under the Multi State Co-operative Societies Act, 2002 and under the State Acts, where the State government
RBI/2005-06/337 UBD(PCB).Cir.No.39/ 09.17.500/2005-06 March 24, 2006. The Chief Executive Officers of all Primary (urban) Co-operative Banks Dear Sir, Currency Chest facility for UCBs As you are aware, an announcement was made in the Mid Term Review of the Annual Policy Statement for the year 2005-06 to extend currency chest facility to scheduled UCBs registered under the Multi State Co-operative Societies Act, 2002 and under the State Acts, where the State government
مارچ 21, 2006
UCBs - PMLA, 2002 - Obligation of Banks
RBI/ 2005-06 /330 UBD.BPD.Cir No.38 /09.16.100/2005-06 March 21, 2006 The Chief Executive Officer of All Primary (Urban) Cooperative Banks Dear Sir / Madam Prevention of Money Laundering Act, 2002 – Obligation of banks in terms of Rules notified thereunder - UCBs Please refer to our circular UBD.PCB.Cir. 30 / 09.161.00/2004-05 dated December 15, 2004 on KYC Guidelines -Anti Money Laundering Standards. Banks were advised to put in place a policy framework within three
RBI/ 2005-06 /330 UBD.BPD.Cir No.38 /09.16.100/2005-06 March 21, 2006 The Chief Executive Officer of All Primary (Urban) Cooperative Banks Dear Sir / Madam Prevention of Money Laundering Act, 2002 – Obligation of banks in terms of Rules notified thereunder - UCBs Please refer to our circular UBD.PCB.Cir. 30 / 09.161.00/2004-05 dated December 15, 2004 on KYC Guidelines -Anti Money Laundering Standards. Banks were advised to put in place a policy framework within three
مارچ 09, 2006
UCBs - Debt Restructuring Mechanism for SMEs
RBI/2005-06/323 UBD.BPD.Cir.No.36/09.09.001/05-06 March 9, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Debt restructuring mechanism for Small and Medium Enterprises (SMEs) - Announcement made by the Union Finance Minister As part of announcement made by the Hon'ble Finance Minister for improving flow of credit to small and medium enterprises, the following guidelines are issued for restructuring of debt of all eligible s
RBI/2005-06/323 UBD.BPD.Cir.No.36/09.09.001/05-06 March 9, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Debt restructuring mechanism for Small and Medium Enterprises (SMEs) - Announcement made by the Union Finance Minister As part of announcement made by the Hon'ble Finance Minister for improving flow of credit to small and medium enterprises, the following guidelines are issued for restructuring of debt of all eligible s
مارچ 09, 2006
Provision of Note Counting Machines on the counters - UCBs
RBI/2005-06/322 UBD. BPD. Cir 35 / 09.73.000 / 2005-06 March 9, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Provision of Note Counting Machines on the counters - UCBs Please refer to our circular UBD.Plan.PCB. 33 / 09.73.00 / 99-2000 dated 13 May 2000 regarding securing of currency note packets with paper bands and avoiding stapling / stitching of note packets. In terms of paragraph 4 of the circular referred to
RBI/2005-06/322 UBD. BPD. Cir 35 / 09.73.000 / 2005-06 March 9, 2006 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir / Madam, Provision of Note Counting Machines on the counters - UCBs Please refer to our circular UBD.Plan.PCB. 33 / 09.73.00 / 99-2000 dated 13 May 2000 regarding securing of currency note packets with paper bands and avoiding stapling / stitching of note packets. In terms of paragraph 4 of the circular referred to
مارچ 02, 2006
Advances against Gold Ornaments and Jewellery - UCBs
RBI/2005-06/311 UBD.PCB.Cir.No. 34 /13.05.000/2005-06 March 2, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir Advances against Gold Ornaments and Jewellery - UCBs As you are aware, hallmarking of gold jewellery ensures the quality of gold used in the jewellery as to caratage, fineness and purity. Therefore, banks would find granting of advances against the security of such hallmarked jewellery safer and easier. Preferential treatm
RBI/2005-06/311 UBD.PCB.Cir.No. 34 /13.05.000/2005-06 March 2, 2006 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir Advances against Gold Ornaments and Jewellery - UCBs As you are aware, hallmarking of gold jewellery ensures the quality of gold used in the jewellery as to caratage, fineness and purity. Therefore, banks would find granting of advances against the security of such hallmarked jewellery safer and easier. Preferential treatm
فروری 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
جنوری 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
جنوری 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
جنوری 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
جنوری 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
دسمبر 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
نومبر 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
نومبر 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
نومبر 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
نومبر 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
اکتوبر 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
اکتوبر 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
ستمبر 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
اگست 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
اگست 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
اگست 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
اگست 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
جولائی 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
جولائی 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
جولائی 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
جون 20, 2005
Sale of Securities allotted in Primary Issues - UCBs
RBI. 2004-05/498 UBD(PCB)/Cir. 51 /09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam Sale of Securities allotted in Primary Issues - UCBs Please refer to our circular UBD.No. POT.CIR.PCB.39/09.29.00/2000-2001 dated April 18, 2001 on the captioned subject. As per the extant instructions, the sale contract in respect of securities allotted to successful bidders in primary issues on the day of allotment,
RBI. 2004-05/498 UBD(PCB)/Cir. 51 /09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam Sale of Securities allotted in Primary Issues - UCBs Please refer to our circular UBD.No. POT.CIR.PCB.39/09.29.00/2000-2001 dated April 18, 2001 on the captioned subject. As per the extant instructions, the sale contract in respect of securities allotted to successful bidders in primary issues on the day of allotment,
جون 20, 2005
Government Securities Transactions - T+1 Settlement - UCBs
RBI .2004-05/497 UBD(PCB)/Cir.50/09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam Government Securities Transactions – T+1 Settlement - UCBs Please refer to our circular UBD.BPD. Cir 44/09.29.00/2003-04 dated April 12, 2004 on the captioned subject. In the Annual Policy Statement for the year 2005-06 announced on April 28, 2005 (extract of para 74 enclosed), it was proposed that the settlement system
RBI .2004-05/497 UBD(PCB)/Cir.50/09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam Government Securities Transactions – T+1 Settlement - UCBs Please refer to our circular UBD.BPD. Cir 44/09.29.00/2003-04 dated April 12, 2004 on the captioned subject. In the Annual Policy Statement for the year 2005-06 announced on April 28, 2005 (extract of para 74 enclosed), it was proposed that the settlement system
جون 20, 2005
Ready Forward Contracts - UCBs
RBI. 2004-05/496 UBD(PCB)/ Cir.49 /09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Ready Forward Contracts - UCBs Please refer to paragraph 10 of our master circular UBD. BPD(PCB) MC No: 16/16.20.00/2004-05 dated February 18, 2005 in terms of which primary (urban) co-operative banks maintaining a Subsidiary General Ledger (SGL) account with Reserve Bank of India, Mumbai and any scheduled bank which
RBI. 2004-05/496 UBD(PCB)/ Cir.49 /09.80.00/2004-05 June 20, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Ready Forward Contracts - UCBs Please refer to paragraph 10 of our master circular UBD. BPD(PCB) MC No: 16/16.20.00/2004-05 dated February 18, 2005 in terms of which primary (urban) co-operative banks maintaining a Subsidiary General Ledger (SGL) account with Reserve Bank of India, Mumbai and any scheduled bank which
مئی 17, 2005
Enhancement in SSI Investment Limit in respect of Sports Goods- UCBs
RBI/2004-05/472 UBD(PCB). Cir 48 /09.09.01/2004-05 May 17, 2005 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir, Enhancement in SSI Investment Limit in respect of Sports Goods- UCBs Please refer to our circular UBD.CO. BPD. 38/09.09.01/2003-04 dated March 19, 2004 regarding enhancement in the ceiling on investment in plant and machinery from Rs.1 crore to Rs.5 crore in respect of certain items reserved for manufacture in the SSI Sector
RBI/2004-05/472 UBD(PCB). Cir 48 /09.09.01/2004-05 May 17, 2005 The Chief Executive Officers of All Primary (Urban ) Co-operative Banks Dear Sir, Enhancement in SSI Investment Limit in respect of Sports Goods- UCBs Please refer to our circular UBD.CO. BPD. 38/09.09.01/2003-04 dated March 19, 2004 regarding enhancement in the ceiling on investment in plant and machinery from Rs.1 crore to Rs.5 crore in respect of certain items reserved for manufacture in the SSI Sector
مئی 04, 2005
Frauds - Classification and Reporting
RBI /2004-05/453 UBD. No. BPD. IP.Cir 46 / 12.03.00 / 2004- 05 May 4, 2005 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Frauds - Classification and Reporting Please refer to our Master Circular No. BSD. IP. 15 /12.03.00 / 2003 -04 dated September 19, 2003 and amended Circular Ref. No. UBD. CO. BPD. IP cir. 4/12.05.01/2004-05 dated July 15, 2004 on the captioned subject. In terms of paragraph 5.1 (iii) of the Master Circular primary
RBI /2004-05/453 UBD. No. BPD. IP.Cir 46 / 12.03.00 / 2004- 05 May 4, 2005 The Chief Executive Officers of all Primary (Urban) Co-operative Banks Dear Sir, Frauds - Classification and Reporting Please refer to our Master Circular No. BSD. IP. 15 /12.03.00 / 2003 -04 dated September 19, 2003 and amended Circular Ref. No. UBD. CO. BPD. IP cir. 4/12.05.01/2004-05 dated July 15, 2004 on the captioned subject. In terms of paragraph 5.1 (iii) of the Master Circular primary
اپریل 19, 2005
Loans and advances to directors etc- directors as surety/gurantors- Clarification-UCBs
RBI/2004-05/430 UBD(PCB). CIR.No. 45/13.05.00/04-05 April 19, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Loans and advances to directors etc- directors as surety/gurantors- Clarification-UCBs Please refer to our circular UBD.PCB.CIR.10/13.05.00/04-05 dated August 7, 2004 advising UCBs that the directors and relatives cannot stand as surety/guarantor to the loans and advances (both secured and unsecured) sanctioned by th
RBI/2004-05/430 UBD(PCB). CIR.No. 45/13.05.00/04-05 April 19, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Loans and advances to directors etc- directors as surety/gurantors- Clarification-UCBs Please refer to our circular UBD.PCB.CIR.10/13.05.00/04-05 dated August 7, 2004 advising UCBs that the directors and relatives cannot stand as surety/guarantor to the loans and advances (both secured and unsecured) sanctioned by th
اپریل 15, 2005
Maximum Limit on advances-Limits on credit exposure to individuals /Group of borrowers-UCBs
RBI/2004-05/423 UBD.DS. Cir.No.44/13.05.00/2004-05 April 15, 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. No.DS.PCB.39/13.05.00/1995-96 dated January 16, 1996 read with circular UBD.No.DS.Cir 31/13.05.00/1999-2000 dated April 1, 2000 on captioned subject. At present the prudential exposure ceiling s
RBI/2004-05/423 UBD.DS. Cir.No.44/13.05.00/2004-05 April 15, 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. No.DS.PCB.39/13.05.00/1995-96 dated January 16, 1996 read with circular UBD.No.DS.Cir 31/13.05.00/1999-2000 dated April 1, 2000 on captioned subject. At present the prudential exposure ceiling s
اپریل 11, 2005
Donations / Contributions for public /charitable purposes out of profits of UCBs
RBI/2004-05/418 UBD(PCB). / BPD/Cir. 43 / 09.72.00 /2004-05 April 11, 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 Some of the State Co-operative Societies Acts and the Multi-State Co-operative Societies Act permit co-operative societies registered there under to set apart a certain portion of their net profits as charity fund and give donat
RBI/2004-05/418 UBD(PCB). / BPD/Cir. 43 / 09.72.00 /2004-05 April 11, 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 Some of the State Co-operative Societies Acts and the Multi-State Co-operative Societies Act permit co-operative societies registered there under to set apart a certain portion of their net profits as charity fund and give donat
مارچ 30, 2005
Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs
RBI/2004-05/410 UBD(PCB).Cir.42/09.140.00/2004-05 March 30, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs Please refer to para 2(ii) regarding accounting of accrued interest of borrowal accounts which are performing assets, of our circular UBD.No.I & L(PCB)/
RBI/2004-05/410 UBD(PCB).Cir.42/09.140.00/2004-05 March 30, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs Please refer to para 2(ii) regarding accounting of accrued interest of borrowal accounts which are performing assets, of our circular UBD.No.I & L(PCB)/
مارچ 28, 2005
Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments
RBI/2004-05/403 UBD(PCB). Cir.41/16.20.00/2004-05 March 28, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments Please refer to our circular UBD.PCB. No.16/16.20.00/2004-05 dated 02.09.2004 on the captioned subject wherein, UCBs were permitted, as a one time measure to shift SLR securities to the HTM category any time, once mor
RBI/2004-05/403 UBD(PCB). Cir.41/16.20.00/2004-05 March 28, 2005. The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam, Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments Please refer to our circular UBD.PCB. No.16/16.20.00/2004-05 dated 02.09.2004 on the captioned subject wherein, UCBs were permitted, as a one time measure to shift SLR securities to the HTM category any time, once mor
مارچ 01, 2005
Enhancement of transparency on bank’s affairs through disclosures-UCBs
RBI / 2004-05/ 381 UBD(PCB).CIR.40/16.45.00/2004 -2005 March 1, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Enhancement of transparency on bank’s affairs through disclosures-UCBs The Reserve Bank has been taking several steps from time to time to enhance the transparency of banks by having comprehensive requirements for disclosure in tune with the best practices. RBI circular dated 30.10.2002 advising UCBs having deposit
RBI / 2004-05/ 381 UBD(PCB).CIR.40/16.45.00/2004 -2005 March 1, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Enhancement of transparency on bank’s affairs through disclosures-UCBs The Reserve Bank has been taking several steps from time to time to enhance the transparency of banks by having comprehensive requirements for disclosure in tune with the best practices. RBI circular dated 30.10.2002 advising UCBs having deposit
فروری 26, 2005
Investment Portfolio of Banks- Reporting System
RBI/2004-05/ 375 UBD.BPD.( PCB).No.37 /12.05.01/ 2004-05 February 26,2005 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, @@NBSP@@ Investment Portfolio of Banks- Reporting System As you are aware, presently in terms of para (ii) under Audit, Review and Reporting of our circular UBD. Plan No.13/UB.81/92-93, dated September 13, 1992 the banks are required to subject their transactions relating to sale/purchase of government securities to aud
RBI/2004-05/ 375 UBD.BPD.( PCB).No.37 /12.05.01/ 2004-05 February 26,2005 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, @@NBSP@@ Investment Portfolio of Banks- Reporting System As you are aware, presently in terms of para (ii) under Audit, Review and Reporting of our circular UBD. Plan No.13/UB.81/92-93, dated September 13, 1992 the banks are required to subject their transactions relating to sale/purchase of government securities to aud
جنوری 10, 2005
UCBs to use Names as appearing in Certificate of Registration and Licence
RBI/2004-05/339UBD (PCB).Cir. 34/16.51.00/2004-05 January 10, 2005 The Chief Executive Officers of All Primary(urban) Co-operative Banks Dear Sir/Madam, Names as appearing in the Certificate of Registration and the Licence - use of- Primary (urban) Co-operative Banks (UCBs) Please refer to our circular UBD.No.BR/11/16.51.00/98-99 dated December 11, 1998 and subsequent circular UBD.CO.BR.No.538/16.51.00/2000-01 dated May 21, 2001 on the above subject advising UCBs to d
RBI/2004-05/339UBD (PCB).Cir. 34/16.51.00/2004-05 January 10, 2005 The Chief Executive Officers of All Primary(urban) Co-operative Banks Dear Sir/Madam, Names as appearing in the Certificate of Registration and the Licence - use of- Primary (urban) Co-operative Banks (UCBs) Please refer to our circular UBD.No.BR/11/16.51.00/98-99 dated December 11, 1998 and subsequent circular UBD.CO.BR.No.538/16.51.00/2000-01 dated May 21, 2001 on the above subject advising UCBs to d
جنوری 05, 2005
Receipt of Foreign Contribution under FC(R) Act : UCBs
RBI/2004-05/329 UBD. PCB. Cir.No.32/12.05.00/2004-05 January 05, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Receipt of foreign contributions by Associations/organizations in India Under Foreign Contribution(Regulation) Act, 1976 Please refer to our circular UBD.No.BSD-I/PCB/18/12.05.00/98-99 dated January 30, 1999 advising banks to ensure compliance with the various provisions of Foreign Contribution (Regulation)
RBI/2004-05/329 UBD. PCB. Cir.No.32/12.05.00/2004-05 January 05, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative banks Dear Sir/Madam, Receipt of foreign contributions by Associations/organizations in India Under Foreign Contribution(Regulation) Act, 1976 Please refer to our circular UBD.No.BSD-I/PCB/18/12.05.00/98-99 dated January 30, 1999 advising banks to ensure compliance with the various provisions of Foreign Contribution (Regulation)
جنوری 05, 2005
Risk Weight on Housing Finance and Consumer Credit- UCBs
RBI/2004-05/330 UBD. PCB.Cir. 33 /09.116.00/2004-05 January 5, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Risk Weight on Housing Finance and Consumer Credit- UCBs Please refer to our circular UBD.POT.PCB.18/09.22.01/2002-03 dated September 30, 2002, wherein, the risk weight on housing loans extended by banks to individuals against mortgage of residential housing properties was reduced to 50 percent for capital adequacy purpos
RBI/2004-05/330 UBD. PCB.Cir. 33 /09.116.00/2004-05 January 5, 2005 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Risk Weight on Housing Finance and Consumer Credit- UCBs Please refer to our circular UBD.POT.PCB.18/09.22.01/2002-03 dated September 30, 2002, wherein, the risk weight on housing loans extended by banks to individuals against mortgage of residential housing properties was reduced to 50 percent for capital adequacy purpos
دسمبر 17, 2004
Reporting of Call/Notice Money Market Transactions
RBI/2004-05/304 UBD. No. PCB. Cir. 31 /13.01.00/2004-05 December 17, 2004 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Reporting of Call/Notice Money Market Transactions Please refer to our circular UBD No. DS. PCB. CIR. 31/13.01.00/2001-02 dated February 16, 2002 advising the UCBs to report their call/notice money transactions on a daily basis by fax to the Advisor-in-Charge, Monetary Policy Department (MPD), R.B.I., Central Office, Mu
RBI/2004-05/304 UBD. No. PCB. Cir. 31 /13.01.00/2004-05 December 17, 2004 Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir, Reporting of Call/Notice Money Market Transactions Please refer to our circular UBD No. DS. PCB. CIR. 31/13.01.00/2001-02 dated February 16, 2002 advising the UCBs to report their call/notice money transactions on a daily basis by fax to the Advisor-in-Charge, Monetary Policy Department (MPD), R.B.I., Central Office, Mu
دسمبر 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
دسمبر 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
نومبر 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
نومبر 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
نومبر 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
اکتوبر 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
ستمبر 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
ستمبر 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
ستمبر 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
ستمبر 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
ستمبر 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
اگست 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
اگست 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
اگست 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
اگست 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
اگست 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
اگست 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
جولائی 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
جولائی 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
جولائی 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
جولائی 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
جولائی 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
جون 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
جون 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
جون 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
جون 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
مئی 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
مئی 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
مارچ 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
مارچ 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
مارچ 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
مارچ 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
فروری 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
فروری 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
فروری 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
جنوری 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
ستمبر 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
اکتوبر 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
مئی 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
ستمبر 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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صفحے پر آخری اپ ڈیٹ: اکتوبر 24, 2024
