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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
Aug 10, 2011
Master Circular - Use of Hindi in banks 162 kb
Jul 05, 2011
Master Circular - Lending To Priority Sector 409 kb
Jul 01, 2011
Master Circular on Branch Authorisation 249 kb
Master Circular on Export Credit Refinance Facility 124 kb
Master Circular - Para-banking Activities 189 kb
Master Circular - Lending to Micro, Small & Medium Enterprises (MSME) Sector 441 kb
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) 82 kb
Frauds – Classification and Reporting 1038 kb
Master Circular – Exposure Norms 333 kb
Master Circular on Credit Card Operations of banks 141 kb
Master Circular - Disclosure in Financial Statements - Notes to Accounts 284 kb
Section 23 of the Banking Regulation Act, 1949 - Master Circular on Branch Licensing - Regional Rural Banks (RRBs) 300 kb
Master Circular on Wilful Defaulters 243 kb
Master Circular - Guidelines For Relief Measures By Banks In Areas Affected By Natural Calamities 82 kb
Master Circular - Guarantees and Co-acceptances 243 kb
Master Circular on SHG-Bank Linkage Programme 91 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 410 kb
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances 620 kb
Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks 804 kb
Master Circular - Prudential Norms on Capital Adequacy - Basel I Framework 887 kb
Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline- New Capital Adequacy Framework (NCAF) 2253 kb
Master Circular on Rupee / Foreign Currency Export Credit & Customer Service To Exporters 528 kb
Master Circular- Loans and Advances – Statutory and Other Restrictions 649 kb
Master Circular on Customer Service in Banks 677 kb
Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts 206 kb
Master Circular - Interest Rates on Advances 214 kb
Master Circular on Housing Finance 366 kb
Master Circular of instructions relating to deposits held in FCNR(B) Accounts 225 kb
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) 188 kb
Co-operative Banking
Jul 01, 2011
Master Circular - Management of Advances - UCBs 773 kb
Master Circular on Area of Operation, Branch Authorisation Policy, Opening/ Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices 327 kb
Frauds – Classification and Reporting 470 kb
Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks 641 kb
Master Circular- Priority Sector Lending - UCBs 518 kb
Master Circular on Know Your Customer (KYC) Norms / Anti-Money Laundering (AML) Standards / Combating of Financing of Terrorism (CFT)/Obligation of banks under Prevention of Money Laundering Act, 2002 436 kb
Master Circular- Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs 909 kb
Master Circular on Inspection and Audit Systems in Primary (Urban) Co-operative Banks 149 kb
Master Circular on Customer Service – Primary (Urban) Co-operative Banks 334 kb
Master Circular on Investments by Primary (Urban) Co-operative Banks 1105 kb
Master Circular on Board of Directors – Primary (Urban) Co-operative Banks 127 kb
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks 390 kb
Master Circular- Prudential Norms on Capital Adequacy - UCBs 309 kb
Master Circular on Maintenance of Statutory Reserves - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks 344 kb
Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs 96 kb
Master Circular- Finance for Housing Schemes - UCBs 262 kb
Master Circular- Exposure Norms and Statutory / Other Restrictions - UCBs 265 kb
Currency
Jul 01, 2011
Master Circular – Detection and Impounding of Counterfeit Notes 222 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 24 kb
Master Circular – Facility for Exchange of Notes and Coins 165 kb
Financial Institutions
Jul 01, 2011
Master Circular - Exposure Norms for Financial Institutions 189 kb
Master Circular- Resource Raising Norms for Financial Institutions 155 kb
Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by FIs 348 kb
Master Circular - Disclosure Norms for Financial Institutions 166 kb
Financial Markets
Jul 01, 2011
Master Circular - Guidelines for Issue of Certificates of Deposit 81 kb
Master Circular on Call/Notice Money Market Operations 91 kb
Master Circular - Guidelines for Issue of Commercial Paper 94 kb
Foreign Exchange
Jan 31, 2012
Master Circular on Risk Management and Inter-Bank Dealings 458 kb
Master Circular on Memorandum of Instructions governing money changing activities 202 kb
Jan 20, 2012
Master Circular on Compounding of Contraventions under FEMA, 1999 132 kb
Master Circular on External Commercial Borrowings and Trade Credits 256 kb
Jul 01, 2011
Master Circular on Direct Investment by Residents in Joint Venture (JV) / Wholly Owned Subsidiary (WOS) Abroad 581 kb
Master Circular on Foreign Investment in India 1029 kb
Master Circular on Money Transfer Service Scheme 156 kb
Master Circular on Memorandum of Instructions governing money changing activities 328 kb
Master Circular on Risk Management and Inter-Bank Dealings 427 kb
Master Circular on Export of Goods and Services 455 kb
Master Circular on External Commercial Borrowings and Trade Credits 501 kb
Master Circular on Compounding of Contraventions under FEMA, 1999 90 kb
Master Circular on Import of Goods and Services 308 kb
Master Circular on Non-Resident Ordinary Rupee (NRO) Account 115 kb
Master Circular on Memorandum of Instructions for Opening and Maintenance of Rupee/ Foreign Currency Vostro Accounts of Non-resident Exchange Houses 240 kb
Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non- Indian Origin (Updated as on May 02, 2012) 101 kb
Master Circular on Establishment of Liaison / Branch / Project Offices in India by Foreign Entities 117 kb
Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals 90 kb
Master Circular on Miscellaneous Remittances from India – Facilities for Residents 276 kb
Government Business
Jul 01, 2011
Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission 190 kb
Master Circular – Collection of Direct Taxes - OLTAS 911 kb
Master Circular - Disbursement of Pension by Agency Banks 207 kb
Master Circular on Nomination facility in Relief / Savings Bonds 52 kb
Master Circular on Appointment & delisting of Brokers and Payment of Brokerage on Relief / Savings Bonds 57 kb
Non-banking Supervision
Jul 01, 2011
Master Circulars - Miscellaneous Instructions to NBFC- ND-SI 71 kb
Notification as amended upto June 30, 2011 - The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003 135 kb
Notification as amended upto June 30, 2011 – “Mortgage Guarantee Company (Reserve Bank) Guidelines, 2008” 65 kb
Notification as amended upto June 30, 2011 – “Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008” 110 kb
Master Circular – Regulatory Framework for Core Investment Companies (CICs) 65 kb
Master Circulars - Miscellaneous Instructions to All Non-Banking Financial Companies 91 kb
Notification as amended upto June 30, 2011 - Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010 99 kb
Master Circular - Frauds – Future approach towards monitoring of frauds in NBFCs 215 kb
Notification as amended upto June 30, 2011– “Non-Banking Financial (Non - Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 191 kb
Master Circular – Corporate Governance 35 kb
Master Circular - Fair Practices Code 38 kb
Notification as amended upto June 30, 2011 – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977” 348 kb
Master Circular - Returns to be submitted by NBFCs 70 kb
Master Circular - allied activities- entry into insurance business, issue of credit card and marketing and distribution of certain products 41 kb
Notification as amended upto June 30, 2011 – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 338 kb
Master Circular – KYC Guidelines – Anti Money Laundering Standards - PMLA, 2002 - Obligations of NBFCs 2582 kb
Notification as amended upto June 30, 2011 – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” 423 kb
Master Circular- Exemptions from the provisions of RBI Act, 1934 108 kb
Notification as amended upto June 30, 2011 – “Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008” 36 kb
Notification as amended upto June 30, 2011 “Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008” 40 kb
Master Circular on directions/instructions issued to the Securitisation Companies/ Reconstruction Companies 75 kb
Master Circular 2011 – Opening of Branch-Subsidiary-Joint Venture-Representative office or Undertaking Investment Abroad by NBFCs 60 kb
Primary Dealers
Jul 01, 2011
Master Circular- Capital Adequacy Standards and Risk Management Guidelines for standalone Primary Dealers 233 kb
Master Circular – Operational Guidelines to Primary Dealers 526 kb
Special Programmes
Jul 01, 2011
Master Circular- Priority Sector Lending - Credit Facilities to Minority Communities 194 kb
Master Circular on Self Employment Scheme for Rehabilitation of Manual Scavengers 323 kb
Master Circular on Priority Sector Lending - Special Programmes – SGSY 410 kb
Master Circular - Priority Sector Lending - Credit facilities to SCs  and STs 169 kb
Master Circular - Priority Sector Lending - Special Programmes - SJSRY 623 kb
 
 
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