Regulating Co-operative Banking

RBI/2024-25/53 DOR.CRE.REC. 28/07.10.002/2024-25 July 25, 2024 All Primary (Urban) Co-operative Banks Madam / Dear Sir, Small Value Loans – Primary (Urban) Co-operative Banks (UCBs) Please refer to paras 2.2 and 2.2.1 of the circular DOR (PCB).BPD.Cir No.10/13.05.000/2019-20 dated March 13, 2020, in terms of which, UCBs were required, inter alia, to have at least 50 per cent of their aggregate loans and advances comprising of Small Value Loans, i.e., loans of value not more than ₹25 lakh or 0.2 per cent of their Tier I capital, whichever is higher, subject to a maximum of ₹1 crore, per borrower. The target date for complying with the above requirement was March 31, 2024.

RBI/2024-25/13 DOR.STR.REC.9 /21.04.048/2024-25 April 02, 2024 The Chief Executive Officer All Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs

RBI/2024-25/10 DOR.CRE.REC.No.6/07.10.002/2024-25 April 2, 2024 All Primary (Urban) Co-operative Banks Madam/Dear Sir, Master Circular - Housing Finance for UCBs Please refer to the Master Circular DOR.CRE.REC.No.9/07.10.002/2023-24 dated April 11, 2023 on the captioned subject, consolidating the instructions / guidelines issued to UCBs till April 10, 2023. Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Appendix. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2024-25/09 DOR.CAP.REC.5/09.18.201/2024-25 April 01, 2024 All Primary (Urban) Co-operative Banks Dear Sir / Madam, Master Circular- Prudential Norms on Capital Adequacy - Primary (Urban) Co-operative Banks (UCBs) Please refer to our Master Circular DOR.CAP.REC.11/09.18.201/2023-24 dated April 20, 2023 on the captioned subject. 2. The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued up to March 31, 2024 as listed in the Appendix. Yours faithfully (Usha Janakiraman) Chief General Manager Encl: As above

RBI/2024-25/04 DoR.STR.REC.3/09.27.000/2024-25 April 01, 2024 The Managing Director/ Chief Executive Officers All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs Please refer to our Master Circular DoR.STR.REC.4/09.27.000/2023-24 dated April 1, 2023 on the captioned subject (available at RBI website https://rbi.org.in/). Attached is the revised Master Circular, updated to reflect all instructions issued upto March 31, 2024 on the above matter, as listed in the Annex. It may be noted that this Master Circular only consolidates all instructions on the above matter issued up to March 31, 2024 and does not contain any new instructions/guidelines.

RBI/2024-25/01 DoR.HGG.GOV.No.1/18.10.010/2024-25 April 1, 2024 The Managing Director/Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam,

RBI/2023-24/115 DoR.REG/LIC.No.72/16.05.000/2023-24 January 17, 2024 Managing Director / Chief Executive Officer All Primary (Urban) Co-operative Banks

RBI/2023-34/114 DoR.CRE.REC.71/07.10.002/2023-24 January 16, 2024 The Chief Executive Officers All Primary (Urban) Co-operative Banks Madam / Dear Sir,

RBI/2023-24/15 DOR.CRE.REC.No.9/07.10.002/2023-24 April 11, 2023 All Primary (Urban) Co-operative Banks Madam/Dear Sir, Master Circular - Housing Finance for UCBs Please refer to our Master Circular DOR.CRE.REC.No.49/09.22.010/2022-23 dated June 23, 2022 on the captioned subject (available at RBI website /en/web/rbi). The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject issued till date. Yours faithfully (Manoranjan Mi