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Home - Master 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. You can access the Master Circulars issued in previous years by using the Archives. For printing of these circulars please use the PDF version.
Banking Regulation
Jul 01, 2013
Master Circular - Use of Hindi in Banks 186 kb
Master Circular - Para-banking Activities 436 kb
RRBs - Master Circular – Lending to Priority Sector 271 kb
Master Circular on Export Credit Refinance Facility 126 kb
Master Circular - Lending to Micro, Small & Medium Enterprises (MSME) Sector 472 kb
Master Circular - Priority Sector Lending-Targets and Classification 214 kb
Master Circular on Branch Licensing – RRBs 738 kb
Master Circular – Prudential norms for Classification, Valuation and Operation of Investment Portfolio by Banks 1168 kb
Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 711 kb
Frauds – Classification and Reporting 774 kb
Master Circular on Implementation of the Provisions of Foreign Contribution (Regulation) Act, 2010 63 kb
Master Circular - Disclosure in Financial Statements - Notes to Accounts 899 kb
Master Circular – Basel III Capital Regulations 2518 kb
Master Circular - Guidelines for Relief Measures by Banks in Areas Affected by Natural Calamities 192 kb
Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts 254 kb
Master Circular on Branch Authorisation 311 kb
Master Circular- Loans and Advances – Statutory and Other Restrictions 392 kb
Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF) 2043 kb
Master Circular - Prudential Norms on Capital Adequacy - Basel I Framework 1206 kb
Master Circular - Rupee / Foreign Currency Export Credit and Customer Service To Exporters 1580 kb
Master Circular on Customer Service in Banks 1165 kb
Master Circular – Exposure Norms 734 kb
Master Circular - Guarantees and Co-acceptances 249 kb
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances 750 kb
Master Circular of instructions relating to deposits held in FCNR(B) Accounts 155 kb
Master Circular - Interest Rates on Advances 238 kb
Master Circular – Housing Finance 217 kb
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) 191 kb
Master Circular on Wilful Defaulters 239 kb
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) 116 kb
Master Circular on Credit Card, Debit Card and Rupee Denominated Cobranded Prepaid Card operations of banks 240 kb
Co-operative Banking
Jul 01, 2013
Master Circular on Inspection and Audit Systems in Primary (Urban) Co-operative Banks 192 kb
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 325 kb
Master Circular on Maintenance of Statutory Reserves- Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks 349 kb
Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks 355 kb
Master Circular on Investments by Primary (Urban) Co-operative Banks 461 kb
Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs 1540 kb
Master Circular on Frauds- Classification and Reporting 1228 kb
Master Circular on Area of Operation, Branch Authorisation Policy, Opening/ Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices 318 kb
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks 438 kb
Master Circular on Customer Service - UCBs 922 kb
Master Circular on Board of Directors - UCBs 168 kb
Master Circular- Prudential Norms on Capital Adequacy - UCBs 481 kb
Master Circular - Management of Advances - UCBs 532 kb
Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs 126 kb
Master Circular- Finance for Housing Schemes - UCBs 187 kb
Master Circular- Exposure Norms and Statutory / Other Restrictions - UCBs 221 kb
Currency
Jul 01, 2013
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 212 kb
Master Circular - Scheme of Incentives and Penalties for bank branches based on performance in rendering customer service to the members of public 36 kb
Master Circular – Facility for Exchange of Notes and Coins 309 kb
Master Circular – Detection and Impounding of Counterfeit Notes 179 kb
Financial Institutions
Jul 01, 2013
Master Circular - Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by FIs 549 kb
Master Circular - Exposure Norms for Financial Institutions 198 kb
Master Circular - Disclosure Norms for Financial Institutions 219 kb
Master Circular - Resource Raising Norms for Financial Institutions 158 kb
Financial Markets
Jul 01, 2013
Master Circular - Guidelines for Issue of Commercial Paper 268 kb
Master Circular - Guidelines for Issue of Certificates of Deposit 92 kb
Master Circular on Call/Notice Money Market Operations 101 kb
Foreign Exchange
Jul 01, 2013
Master Circular on Miscellaneous Remittances from India – Facilities for Residents 361 kb
Master Circular on Risk Management and Inter-Bank Dealings 1313 kb
Master Circular on Foreign Investment in India 1145 kb
Master Circular on Import of Goods and Services 106 kb
Master Circular on Exports of Goods and Services 1163 kb
Master Circular on External Commercial Borrowings and Trade Credits 338 kb
Master Circular on Direct Investment by Residents in Joint Venture (JV) /Wholly Owned Subsidiary (WOS) Abroad 610 kb
Master Circular on Memorandum of Instructions governing money changing activities 398 kb
Master Circular on Compounding of Contraventions under FEMA, 1999 109 kb
Master Circular on Establishment of Liaison / Branch / Project Offices in India by Foreign Entities 708 kb
Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals 86 kb
Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non-Indian Origin 76 kb
Master Circular on Memorandum of Instructions for Opening and Maintenance of Rupee/ Foreign Currency Vostro Accounts of Non-resident Exchange Houses 253 kb
Master Circular on Money Transfer Service Scheme 175 kb
Master Circular on Non-Resident Ordinary Rupee (NRO) Account 101 kb
Government Business
Jul 01, 2013
Master Circular- Disbursement of Pension by Agency Banks 639 kb
Master Circular – Collection of Direct Taxes- OLTAS 935 kb
Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission 164 kb
Master Circular on Nomination facility for Relief/Savings Bonds 68 kb
Master Circular on Appointment and Delisting of Brokers and Payment of Brokerage on Relief/Savings Bonds 73 kb
Non-banking Supervision
Jul 01, 2013
Master Circular- Introduction of New Category of NBFCs - ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) - Directions 133 kb
Notification as amended upto June 30, 2013 - Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010 109 kb
Notification as amended upto June 30, 2013 – “Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008” 74 kb
Notification as amended upto June 30, 2013 -The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003 387 kb
Master Circular– Regulatory Framework for Core Investment Companies(CICs) 170 kb
Notification as amended upto June 30, 2013 – “Mortgage Guarantee Company (Reserve Bank) Guidelines, 2008” 66 kb
Master Circulars- Miscellaneous Instructions to All Non-Banking Financial Companies 900 kb
Master Circular - Fair Practices Code 81 kb
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’ 3272 kb
Notification as amended upto June 30, 2013 – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977” 541 kb
Master Circular on directions/ instructions issued to the Securitisation Companies/Reconstruction Companies 156 kb
Master Circular - Frauds – Future approach towards monitoring of frauds in NBFCs 328 kb
Notification as amended upto June 30, 2013 – “Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008” 38 kb
Master Circulars - Miscellaneous Instructions to NBFC- ND-SI 75 kb
Master Circular – The Non-Banking Financial Company -Factors (Reserve Bank) Directions, 2012 34 kb
Master Circular 2013 – Opening of Branch-Subsidiary-Joint Venture-Representative office or Undertaking Investment Abroad by NBFCs 69 kb
Master Circular – Corporate Governance 38 kb
Master Circular - allied activities- entry into insurance business, issue of credit card and marketing and distribution of certain products 50 kb
Master Circular- Exemptions from the provisions of RBI Act, 1934 117 kb
Notification as amended upto June 30, 2013– “Non-Banking Financial (Non - Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 285 kb
Master Circular - Returns to be submitted by NBFCs 69 kb
Notification as amended upto June 30, 2013 – “Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008.” 48 kb
Notification as amended upto June 30, 2013 – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 264 kb
Notification as amended upto June 30, 2012 – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” 198 kb
Payment Systems
Jul 01, 2013
Master Circular – Mobile Banking Tansactions in India – Operative Guidelines for Banks 99 kb
Primary Dealers
Jul 01, 2013
Master Circular- Capital Adequacy Standards and Risk Management Guidelines for Standalone Primary Dealers 675 kb
Master Circular – Operational Guidelines to Primary Dealers 614 kb
Special Programmes
Jul 01, 2013
Master Circular on SHG-Bank Linkage Programme 120 kb
Master Circular - Swarna Jayanti Shahari Rozgar Yojana (SJSRY) 596 kb
Master Circular - Credit Facilities to Minority Communities 621 kb
Master Circular on “Self Employment Scheme for Rehabilitation of Manual Scavengers” (SRMS) 636 kb
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) 751 kb
 
 
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