MASTER CIRCULARS – 2015

MASTER CIRCULARS 2015

Banker and Debt Manager to Government
Jul 01, 2015
Master Circular – Collection of Direct Taxes- OLTAS 958 kb
Master Circular on Conduct of Government Business by Agency Banks – Payment of Agency Commission 144 kb
Master Circular – Disbursement of Government Pension by Agency Banks 266 kb
Master Circular on Appointment and Delisting of Brokers, and Payment of Brokerage on Relief/Savings Bonds 243 kb
Master Circular on Nomination facility for Relief/Savings bonds 237 kb
Co-operative Banking
Jul 01, 2015
Master Circular- Management of Advances – UCBs 906 kb
Master Circular- Exposure Norms and Statutory / Other Restrictions – UCBs 478 kb
Master Circular on Area of Operation, Branch Authorisation Policy, Opening/Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices 315 kb
Master Circular on Customer Service – UCBs 773 kb
Master Circular- Income Recognition, Asset Classification, Provisioning and Other Related Matters – UCBs 651 kb
Master Circular on Investments by Primary (Urban) Co-operative Banks 1108 kb
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks 479 kb
Master Circular- Prudential Norms on Capital Adequacy – UCBs 539 kb
Master Circular – Priority Sector Lending – UCBs 175 kb
Master Circular- Finance for Housing Schemes – UCBs 170 kb
Master Circular- Guarantees, Co-Acceptances & Letters of Credit – UCBs 136 kb
Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks 957 kb
Master Circular on Maintenance of Statutory Reserves – Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks 582 kb
Master Circular on Inspection & Audit Systems in Primary (Urban) Co- operative Banks 309 kb
Master Circular on Board of Directors – UCBs 665 kb
Master Circular on Frauds – Classification and Reporting 633 kb
Commercial Banking
Jul 01, 2015
Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by FIs 703 kb
Master Circular – Disclosure Norms for Financial Institutions 447 kb
Master Circular – Exposure Norms for Financial Institutions 253 kb
Master Circular – Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances 1168 kb
Master Circular on Wilful Defaulters 445 kb
Master Circular – Disclosure in Financial Statements – ‘Notes to Accounts’ 462 kb
Master Circular – Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) 678 kb
Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks 688 kb
Master Circular- Loans and Advances – Statutory and Other Restrictions 409 kb
Master Circular – Prudential Norms on Capital Adequacy – Basel I Framework 1417 kb
Master Circular – Prudential Guidelines on Capital Adequacy and Market Discipline-New Capital Adequacy Framework (NCAF) 1325 kb
Master Circular – Guarantees and Co-acceptances 199 kb
Frauds – Classification and Reporting 721 kb
Master Circular – Exposure Norms 222 kb
Master Circular – Resource Raising Norms for Financial Institutions 439 kb
Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts 217 kb
Master Circular on Customer Service in Banks 1791 kb
Master Circular – Basel III Capital Regulations 2393 kb
Master Circular- Rupee / Foreign Currency Export Credit and Customer Service To Exporters 464 kb
Master Circular – Housing Finance 261 kb
Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating Financing of Terrorism (CFT)/Obligation of banks and financial institutions under PMLA, 2002 998 kb
Master Circular on Interest Rates on Deposits held in FCNR (B) Accounts 280 kb
Master Circular – Interest Rates on Advances 352 kb
Master Circular – Bank Finance to Non-Banking Financial Companies (NBFCs) 354 kb
Guidelines issued under Section 36(1)(a) of the Banking Regulation Act, 1949 – Implementation of the provisions of Foreign Contribution (Regulation) Act, 2010 259 kb
Master Circular on Credit Card, Debit Card and Rupee Denominated Co-branded Pre-paid Card Operations of Banks and Credit Card issuing NBFCs 311 kb
Master Circular – Para-banking Activities 485 kb
Master Circular on Branch Licensing 380 kb
Financial Inclusion and Development
Jul 30, 2015
Master Circular – National Rural Livelihoods Mission (NRLM) 339 kb
Master Circular – National Urban Livelihoods Mission (NULM) 1033 kb
Jul 01, 2015
Master Circular – Lending to Micro, Small & Medium Enterprises (MSME) Sector 1041 kb
Master Circular – Guidelines for Relief Measures by banks in areas affected by Natural Calamities 208 kb
Master Circular- Credit Facilities to Minority Communities 996 kb
Master Circular – Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) 475 kb
Master Circular – Priority Sector Lending- Targets and Classification 660 kb
Master Circular – Lead Bank Scheme 1371 kb
Master Circular on SHG-Bank Linkage Programme 229 kb
Financial Market
Jul 01, 2015
Master Circular on Risk Management and Inter-Bank Dealings 554 kb
Master Circular – Guidelines for Issue of Certificates of Deposit 212 kb
Master Circular – Guidelines for Issue of Commercial Paper 211 kb
Master Circular on Call/Notice Money Market Operations 232 kb
Foreign Exchange Management
Jul 01, 2015
Master Circular on Foreign Investment in India 900 kb
Master Circular on Memorandum of Instructions governing money changing activities 231 kb
Master Circular on Miscellaneous Remittances from India – Facilities for Residents 850 kb
Master Circular on Memorandum of Instructions for Opening and Maintenance of Rupee/ Foreign Currency Vostro Accounts of Non-resident Exchange Houses 557 kb
Master Circular on Money Transfer Service Scheme 246 kb
Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals 200 kb
Master Circular on Export of Goods and Services 264 kb
Master Circular on Import of Goods and Services (Amended up to November 27, 2015) 128 kb
Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non-Indian Origin 142 kb
Master Circular on Non-Resident Ordinary Rupee (NRO) Account 143 kb
Master Circular on Compounding of Contraventions under FEMA, 1999 263 kb
Master Circular on Establishment of Liaison / Branch / Project Offices in India by Foreign Entities 235 kb
Master Circular on Direct Investment by Residents in Joint Venture (JV) / Wholly Owned Subsidiary (WOS) Abroad 386 kb
Master Circular on External Commercial Borrowings and Trade Credits 239 kb
Issuer of Currency
Jul 01, 2015
Master Circular – Detection and Impounding of Counterfeit Notes 613 kb
Master Circular – Levy of Penal Interest for Delayed Reporting/Wrong Reporting/Non-Reporting of Currency Chest Transactions and Inclusion of Ineligible Amounts in Currency Chest Balances 401 kb
Master Circular – Facility for Exchange of Notes and Coins 313 kb
Non-banking
Jul 01, 2015
Master Circular – ‘Know Your Customer’ (KYC) Guidelines – Anti Money Laundering Standards (AML) – ‘Prevention of Money Laundering Act, 2002 – Obligations of NBFCs in terms of Rules notified thereunder’ 3481 kb
Master Circular – Miscellaneous Instructions to all Non-Banking Financial Companies 545 kb
Notification as amended up to June 30, 2015 – The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003 641 kb
Master Circular – Returns to be submitted by NBFCs 353 kb
Notification as Amended upto June 30, 2015 – Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010 168 kb
Notification as amended upto June 30, 2015 – “Mortgage Guarantee Companies (Reserve Bank) Guidelines, 2008” on Registration and Operations of Mortgage Guarantee Company 286 kb
Notification as Amended upto June 30, 2015 ‘Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008’ 223 kb
Notification as amended upto June 30, 2015 – “Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008” 273 kb
Master Circulars- Miscellaneous Instructions to NBFC- ND-SI 210 kb
Master Circular – The Non-Banking Financial Company – Factors (Reserve Bank) Directions, 2012 182 kb
Master Circular– Requirement for Obtaining Prior Approval of RBI in Cases of Acquisition / Transfer of Control of NBFCs 61 kb
Master Circular– Regulatory Framework for Core Investment Companies (CICs) 252 kb
Master Circular – Opening of Branch/Subsidiary/Joint Venture/ Representative office or Undertaking Investment Abroad by NBFCs 288 kb
Master Circular – “Non-Systemically Important Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2015” (as amended up to November 26, 2015) 916 kb
Master Circular – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 727 kb
Master Circular – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” 211 kb
Master Circular- ‘Non-Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) – Directions (As amended up to November 26, 2015) 354 kb
Master Circular – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977” 696 kb
Master Circular – “Infrastructure Debt Fund-Non-Banking Financial Companies (Reserve Bank) Directions, 2011” 183 kb
Master Circular – Frauds –Future approach towards monitoring of frauds in NBFCs 383 kb
Master Circular – Fair Practices Code 225 kb
Master Circular- Exemptions from the provisions of RBI Act, 1934 251 kb
Master Circular – Allied activities- Entry into insurance business, issue of credit card and marketing and distribution of certain products 174 kb
Master Circular – “Systemically Important Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2015” (as amended up to November 26, 2015) 396 kb
Master Circular – “Non-Banking Financial Companies – Corporate Governance (Reserve Bank) Directions, 2015” 538 kb
Master Circular – Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008 218 kb
Payment and Settlement System
Jul 01, 2015
Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India 326 kb
Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks 208 kb
Primary Dealers
Jul 01, 2015
Master Circular – Capital Adequacy Standards and Risk Management Guidelines for Standalone Primary Dealers 864 kb
Master Circular – Prudential Guidelines for the Primary Dealers in Government Securities Market 673 kb
Master Circular – Operational Guidelines for Primary Dealers 516 kb
Note: Master Circulars are a one-point reference of instructions issued by the Reserve Bank of India on a particular subject between July-June. These are issued on July 1 every year and automatically expire on June 30 next year. You can access the Master Circulars issued in previous years by using the Archives. For printing of these circulars please use the PDF version.

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