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Important Circulars 

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. For printing of these circulars please use the PDF version.

Banking Regulation

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Master Circular - Use of Hindi in Banks

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Master Circular - Lending to Micro, Small & Medium Enterprises (MSME) Sector

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Master Circular on Export Credit Refinance Facility

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Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF)

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Master Circular - Lending To Priority Sector

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Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)

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Master Circular on Branch Licensing - Regional Rural Banks

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Frauds – Classification and Reporting

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Master Circular- Loans and Advances – Statutory and Other Restrictions

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Master Circular - Branch Authorisation

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Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts

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Master Circular - Rupee / Foreign Currency Export Credit & Customer Service To Exporters

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Master Circular - Para-banking Activities

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Master Circular - Guarantees and Co-acceptances

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Master Circular – Exposure Norms

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Master Circular on Customer Service in Banks

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Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002

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Master Circular - Prudential Norms on Capital Adequacy - Basel I Framework

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Master Circular - Disclosure in Financial Statements - Notes to Accounts

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Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks

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Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances

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Master Circular on SHG-Bank Linkage Programme

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Master Circular - Guidelines for Relief Measures by Banks in Areas Affected by Natural Calamities

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Master Circular - Lending to Priority Sector

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Master Circular of instructions relating to deposits held in FCNR(B) Accounts

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Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)

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Master Circular – Housing Finance

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Master Circular on Credit Card Operations of Banks

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Master Circular - Interest Rates on Advances

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Guidelines issued under Section 36(1)(a) of the Banking Regulation Act, 1949 - Implementation of the provisions of Foreign Contribution (Regulation) Act, 2010

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Master Circular on Wilful Defaulters

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Co-operative Banking

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Master Circular- Exposure Norms and Statutory / Other Restrictions - UCBs

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Master Circular on Customer Service - UCBs

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Master Circular- Prudential Norms on Capital Adequacy - UCBs

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Master Circular- Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs

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Master Circular- Management of Advances - UCBs

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Master Circular on Area of Operation, Branch Authorisation Policy, Opening/ Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices

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Master Circular on Know Your Customer (KYC) Norms/Anti-Money Laundering (AML) Measures/Combating of Financing of Terrorism (CFT) / Obligations of banks under Prevention of Money Laundering Act (PMLA), 2002

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Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks

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Master Circular on Maintenance of Statutory Reserves-Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks

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Master Circular on Investments by Primary (Urban) Co-operative Banks

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Master Circular on Frauds- Classification and Reporting

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Master Circular- Finance for Housing Schemes - UCBs

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Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs

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Master Circular- Priority Sector Lending - UCBs

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Master Circular on Inspection & Audit Systems in Primary (Urban) Co-operative Banks

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Master Circular on Board of Directors - UCBs

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Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks

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Currency

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Master Circular – Detection and Impounding of Counterfeit Notes

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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

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Master Circular – Facility for Exchange of Notes and Coins

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Financial Institutions

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Master Circular - Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by FIs

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Master Circular - Exposure Norms for Financial Institutions

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Master Circular - Disclosure Norms for Financial Institutions

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Master Circular - Resource Raising Norms for Financial Institutions

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Financial Markets

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Master Circular - Guidelines for Issue of Commercial Paper

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Master Circular - Guidelines for Issue of Certificates of Deposit

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Master Circular on Call/Notice Money Market Operations

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Foreign Exchange

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Master Circular on Foreign Investment in India (Updated as on February 12, 2013)

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Master Circular on Export of Goods and Services

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Master Circular on External Commercial Borrowings and Trade Credits

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Master Circular on Direct Investment by Residents in Joint Venture (JV)/ Wholly Owned Subsidiary (WOS) Abroad

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Master Circular on Memorandum of Instructions governing money changing activities

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Master Circular on Miscellaneous Remittances from India – Facilities for Residents

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Master Circular on Risk Management and Inter-Bank Dealings

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Master Circular on Import of Goods and Services

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Master Circular on Compounding of Contraventions under FEMA, 1999

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Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals

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Master Circular on Establishment of Liaison / Branch / Project Offices in India by Foreign Entities

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Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non-Indian Origin

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Master Circular on Memorandum of Instructions for Opening and Maintenance of Rupee/ Foreign Currency Vostro Accounts of Non-resident Exchange Houses

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Master Circular on Non-Resident Ordinary Rupee (NRO) Account

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Master Circular on Money Transfer Service Scheme

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Government Business

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Master Circular- Disbursement of Pension by Agency Banks

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Master Circular – Collection of Direct Taxes- OLTAS

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Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission

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Master Circular on Nomination facility in Relief/Savings bonds

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Master Circular on Appointment & Delisting of Brokers and Payment of Brokerage on Relief/Savings Bonds

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Non-banking Supervision

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Notification as amended upto June 30, 2012 – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007”

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Notification as amended upto June 30, 2012– “Non-Banking Financial (Non - Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007”

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Notification as amended upto June 30, 2012 – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998”

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Notification as amended upto June 30, 2012 – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977”

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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

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Master Circulars- Miscellaneous Instructions to All Non-Banking Financial Companies

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Master Circular - Returns to be submitted by NBFCs

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Master Circular- Introduction of New Category of NBFCs - ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) - Directions

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Master Circular– Regulatory Framework for Core Investment Companies (CICs)

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Master Circular- Exemptions from the provisions of RBI Act, 1934

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Master Circular 2012 – Opening of Branch-Subsidiary-Joint Venture-Representative office or Undertaking Investment Abroad by NBFCs

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Master Circular - Fair Practices Code

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Master Circulars- Miscellaneous Instructions to NBFC- ND-SI

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Master Circular – Corporate Governance

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Master Circular - allied activities- entry into insurance business, issue of credit card and marketing and distribution of certain products

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Master Circular-Frauds – Future approach towards monitoring of frauds in NBFCs

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Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008

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Master Circular on directions/ instructions issued to the Securitisation Companies/ Reconstruction Companies

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Notification as amended upto June 30, 2012 - Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010

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Notification as amended upto June 30, 2012 - The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003

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Notification as amended upto June 30, 2012 – “Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008”

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Notification as amended upto June 30, 2012 – “Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008”

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Notification as amended upto June 30, 2012 – “Mortgage Guarantee Company (Reserve Bank) Guidelines, 2008”

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Primary Dealers

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Master Circular- Capital Adequacy Standards and Risk Management Guidelines for standalone Primary Dealers

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Master Circular – Operational Guidelines to Primary Dealers

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Special Programmes

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Master Circular Priority Sector Lending - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

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Master Circular on “Self Employment Scheme for Rehabilitation of Manual Scavengers” (SRMS) from the Ministry of Social Justice & Empowerment for rehabilitation of all the remaining scavengers and their dependents

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Master Circular Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

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Master Circular on Priority Sector Lending- Special Programmes - Swarnajayanti Gram Swarozgar Yojana (SGSY)

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Master Circular- Priority Sector Lending - Credit Facilities to Minority Communities

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