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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, 2014
Master Circular – Lead Bank Scheme 941 kb
RRBs/StCBs/CCBs Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards / Combating of Financing of Terrorism (CFT) / Obligation of Banks under PMLA, 2002 889 kb
Master Circular - Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by FIs 557 kb
RRBs - Master Circular on Branch Licensing 542 kb
Master Circular on SHG-Bank Linkage Programme 119 kb
Frauds – Classification and Reporting 1006 kb
Master Circular – Exposure Norms 381 kb
Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts 287 kb
Master Circular - Guidelines for Relief Measures by Banks in Areas Affected by Natural Calamities 130 kb
Master Circular - Disclosure in Financial Statements - Notes to Accounts 328 kb
Master Circular - Guarantees and Co-acceptances 236 kb
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) 202 kb
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) 233 kb
Master Circular - Disclosure Norms for Financial Institutions 313 kb
Master Circular – Housing Finance 221 kb
Master Circular on Export Credit Refinance Facility 136 kb
Master Circular - Priority Sector Lending-Targets and Classification 227 kb
Master Circular - Resource Raising Norms for Financial Institutions 128 kb
Master Circular on Wilful Defaulters 275 kb
Master Circular - Interest Rates on Advances 292 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 930 kb
Master Circular - Rupee / Foreign Currency Export Credit and Customer Service To Exporters 1197 kb
Master Circular - Exposure Norms for Financial Institutions 178 kb
Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks 1165 kb
Master Circular - Loans and Advances – Statutory and Other Restrictions 978 kb
Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline - New Capital Adequacy Framework (NCAF) 2407 kb
RRBs - Master Circular on Priority Sector Lending 269 kb
Master Circular - Lending to Micro, Small & Medium Enterprises (MSME) Sector 323 kb
Master Circular of Instructions Relating to Deposits held in FCNR(B) Accounts 155 kb
Master Circular – Basel III Capital Regulations 3401 kb
Master Circular on Branch Authorisation 1437 kb
Guidelines issued under Section 36(1)(a) of the Banking Regulation Act, 1949 - Implementation of the provisions of Foreign Contribution (Regulation) Act, 2010 131 kb
Master Circular - Prudential Norms on Capital Adequacy - Basel I Framework 1219 kb
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances 1295 kb
Master Circular on Customer Service in Banks 1554 kb
Master Circular – Para-banking Activities 466 kb
Master Circular on Credit Card, Debit Card and Rupee Denominated Cobranded Prepaid Card operations of banks 236 kb
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) 140 kb
Co-operative Banking
Jul 01, 2014
Master Circular on Maintenance of Statutory Reserves - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) by Primary (Urban) Co-operative Banks 413 kb
Master Circular on Area of Operation, Branch Authorisation Policy, Opening/ Up-gradation of Extension Counters, ATMs and Shifting/Splitting/Closure of Offices 654 kb
Master Circular on Investments by Primary (Urban) Co-operative Banks 544 kb
Master Circular- Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs 359 kb
Master Circular on Maintenance of Deposit Accounts –  Primary (Urban) Co-operative Banks 455 kb
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks 239 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 1135 kb
Master Circular on Customer Service - UCBs 288 kb
Master Circular- Exposure Norms and Statutory / Other Restrictions - UCBs 253 kb
Master Circular- Guarantees, Co-Acceptances & Letters of Credit - UCBs 192 kb
Master Circular - Priority Sector Lending - UCBs 197 kb
Master Circular- Management of Advances - UCBs 412 kb
Master Circular- Finance for Housing Schemes - UCBs 168 kb
Master Circular - Prudential Norms on Capital Adequacy - UCBs 359 kb
Master Circular on Inspection & Audit Systems in Primary (Urban) Co-operative Banks 169 kb
Master Circular on Board of Directors - UCBs 166 kb
Master Circular on Frauds - Classification and Reporting 193 kb
Currency
Jul 01, 2014
Master Circular – Facility for Exchange of Notes and Coins 153 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 65 kb
Master Circular – Detection and Impounding of Counterfeit Notes 788 kb
Master Circular – Scheme of Incentives and Penalties for bank branches based on performance in rendering customer service to the members of public 74 kb
Financial Markets
Jul 01, 2014
Master Circular - Guidelines for Issue of Commercial Paper 111 kb
Master Circular - Guidelines for Issue of Certificates of Deposit 151 kb
Master Circular on Call / Notice Money Market Operations 105 kb
Foreign Exchange
Jul 01, 2014
Master Circular on Compounding of Contraventions under FEMA, 1999 144 kb
Master Circular on Direct Investment by Residents in Joint Venture (JV) / Wholly Owned Subsidiary (WOS) Abroad 601 kb
Master Circular on Miscellaneous Remittances from India – Facilities for Residents 298 kb
Master Circular on External Commercial Borrowings and Trade Credits 332 kb
Master Circular on Money Transfer Service Scheme 384 kb
Master Circular on Exports of Goods and Services 366 kb
Master Circular on Memorandum of Instructions for Opening and Maintenance of Rupee/ Foreign Currency Vostro Accounts of Non-resident Exchange Houses 229 kb
Master Circular on Establishment of Liaison / Branch /Project Offices in India by Foreign Entities 322 kb
Master Circular on Import of Goods and Services 610 kb
Master Circular on Memorandum of Instructions governing money changing activities 687 kb
Master Circular on Risk Management and Inter-Bank Dealings 804 kb
Master Circular on Foreign Investment in India 1559 kb
Master Circular on Acquisition and Transfer of Immovable Property in India by NRIs/PIOs/Foreign Nationals of Non-Indian Origin 130 kb
Master Circular on Non-Resident Ordinary Rupee (NRO) Account 110 kb
Master Circular on Remittance Facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals 125 kb
Government Business
Jul 01, 2014
Master Circular- Disbursement of Pension by Agency Banks 241 kb
Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission 167 kb
Master Circular – Collection of Direct Taxes - OLTAS 1012 kb
Master Circular on Nomination facility for Relief/Savings Bonds 72 kb
Master Circular on Appointment and Delisting of Brokers and Payment of Brokerage on Relief/Savings Bonds 75 kb
Non-banking Supervision
Jul 01, 2014
Master Circular – “Non-Banking Financial (Non - Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 876 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’ 1931 kb
Master Circular – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007” 660 kb
Master Circular – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998” 221 kb
Master Circulars - Miscellaneous Instructions to all Non-Banking Financial Companies 320 kb
Master Circular – Frauds – Future approach towards monitoring of frauds in NBFCs 326 kb
Notification as amended upto June 30, 2014 – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977” 385 kb
Notification as amended upto June 30, 2013 - The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003 150 kb
Notification as amended upto June 30, 2014 - "Mortgage Guarantee Companies (Reserve Bank) Guidelines, 2008" 145 kb
Notification as amended upto June 30, 2014 - "Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008" 103 kb
Notification as Amended upto June 30, 2014 'Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008' 73 kb
Notification as Amended upto June 30, 2014 - Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010 102 kb
Master Circular – Requirement for Obtaining Prior Approval of RBI in Cases of Acquisition / Transfer of Control of NBFCs 101 kb
Master Circular - ‘Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) - Directions 162 kb
Master Circular– Regulatory Framework for Core Investment Companies (CICs) 152 kb
Master Circular – Opening of Branch/Subsidiary/Joint Venture/ Representative office or Undertaking Investment Abroad by NBFCs 94 kb
Master Circulars - Miscellaneous Instructions to NBFC- ND-SI 167 kb
Master Circular- Exemptions from the provisions of RBI Act, 1934 96 kb
Master Circular - Returns to be submitted by NBFCs 189 kb
Master Circular – “Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008.” 76 kb
Master Circular - Allied activities - Entry into insurance business, issue of credit card and marketing and distribution of certain products 74 kb
Master Circular –Corporate Governance 87 kb
Master Circular - Fair Practices Code 105 kb
Master Circular – The Non-Banking Financial Company - Factors (Reserve Bank) Directions, 2012 71 kb
Payment Systems
Jul 01, 2014
Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India 144 kb
Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks 175 kb
Primary Dealers
Jul 01, 2014
Master Circular – Operational Guidelines to Primary Dealers 1122 kb
Master Circular- Capital Adequacy Standards and Risk Management Guidelines for Standalone Primary Dealers 427 kb
 
 
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