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Date: 01/07/2010
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks

RBI/2010-11/92
UBD.PCB. MC.No. 11 /13.01.000/2010-11

July 01, 2010

Chief Executive Officers of
All Primary (Urban) Co-operative Banks

Dear Sir,

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

Please refer to our Master Circular UBD.BPD.MC.No.11/ 13.01.00/2009-10 dated July 01, 2009 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/guidelines on the subject issued up to June 30, 2010.

Yours faithfully,

(Uma Shankar)
Chief General Manager

Encl: As above


Master Circular

Interest Rates on Rupee Deposits

 

Contents  

1

Introduction

2

Definitions

3

Rate of interest payable on Current Accounts

4

Rate of Interest Payable on Savings Deposits

5

Interest Payable on Term Deposits

6

Additional Interest Payable

7

Payment of Interest on Term Deposit Maturing on Sunday/ Holiday/ Non-Business Working Day

8

Premature withdrawal of Term Deposit

9

Conversion of a Term Deposit, a Deposit in the form of
Daily Deposit, or Recurring Deposit for Reinvestment in Term Deposit

10

Unclaimed Deposits and Inoperative/ Dormant Accounts

11

Interest Payable on a Deposit Account of Deceased Depositor

12

Rounding off of transactions

13

Margin on Advances against Term Deposits

14

Addition or Deletion of the Name (s) or Split into Joint Account Holders

15

Transfer/Split up of the Deposit on the Death of an Account Holder

16

Payment of interest on accounts frozen

17

Exemptions

18

Prohibitions

Annex 1

Rate of Interest on Deposits (Domestic and NRO Deposits)

Annex 2

Rate of Interest on Deposits  (NRE Deposits)

Appendix

List of Circulars consolidated in the Master Circular

Master Circular
Interest Rates on Rupee Deposits

1. INTRODUCTION

In exercise of the powers conferred by Sections 21 and 35A read with Section 56 of the Banking Regulation Act, 1949, the Reserve Bank of India (Reserve Bank), being satisfied that it is necessary and expedient in the public interest so to do, has issued directives that no primary (urban) co-operative bank (UCB) shall pay interest on rupee deposits of money accepted by it or renewed by it, except in accordance with rates as specified in the Annex 1 & 2,subject to the conditions specified in the paragraphs below.

2. DEFINITIONS

(i) "Demand Liabilities" and "Time Liabilities" shall have the same meaning as defined in Section 18 read with Section 56 of the Banking Regulation Act, 1949;

(ii) "Demand Deposit" shall mean a deposit received by the bank which is withdrawable on demand;

(iii) "Saving Deposit" shall mean a form of demand deposit which is a deposit account whether designated as "Saving Account”, "Saving Bank Account", "Saving Deposit Account” or other account by whatever name called, which is subject to the restrictions as to the number of withdrawals as also the amount of withdrawals permitted by the bank during any specified period;

(iv) "Term Deposit” shall mean a deposit received by the bank for a fixed period and which is withdrawable only after the expiry of the said fixed period and shall also include deposits such as Recurring/Cumulative/ Annuity/Reinvestment deposits, Cash Certificates, and so on;

(v) "Notice Deposit" shall mean term deposit for specific period but withdrawable on giving at least one complete banking day's notice;

(vi) "Current Account" shall mean a form of demand deposit wherefrom withdrawals are allowed any number of times depending upon the balance in the account or up to a particular agreed amount and shall also be deemed to include other deposit accounts which are neither Savings Deposit nor Term Deposit;

(vii) "Budgetary Allocation" shall mean the allocation of funds by the Government made through the budget, wherein all the Government's expenditure is reflected. Any institution, irrespective of the fact whether it is a Government Department, Semi-Government or Quasi-Government Body, which receives grants, loans or subsidies from the  Government is said to depend on  budgetary allocation. Government grants to institutions are also in the nature of budgetary allocation. Government's subscription to the share capital of these institutions also forms part of the budgetary allocation. Local bodies like Municipal Corporations, Zilla Parishads, Taluka Panchayats and Gram Panchayats are given grants in the nature of 'compensation and assignments', which also form part of budgetary allocation, although taxes collected by these bodies are not covered under the definition and scope of budgetary allocation of Central and State Governments;

(viii) “a member of the bank’s staff” means a person employed on a regular basis, whether full-time or part-time, and includes a person recruited on probation or employed on a contract of a specified duration or on deputation and an employee taken over in pursuance of any scheme of amalgamation, but does not include a person employed on casual basis;

(ix) “a retired member of the bank's staff” means an employee retiring whether on superannuation or otherwise, but does not include an employee retired compulsorily or in consequence of disciplinary action;

(x) “family” in the context of the members of staff  means and includes the spouse of the member/retired member of the bank's staff and the children, parents, brothers and sisters of the member/retired member of the bank's staff who are dependent on such member/retired member, but shall not include legally separated spouse;

(xi) “political party” means an association or body of individual citizens of India, which is, or is deemed to be registered with the Election Commission of India as a political party under the Election Symbols (Reservation and Allotment) Order, 1968 as in force for the time being.

Note : Non-Resident Ordinary (Rupee) [NRO] / Non-Resident (External) [NRE] deposits may be accepted only by such banks as have been specifically authorised by Reserve Bank in this regard.

3. RATE OF INTEREST PAYABLE ON CURRENT ACCOUNTS

UCBs may, at their discretion, pay interest at a rate not exceeding half per cent per annum on current accounts. As the discretionary provisions generally lead to increase in cost of such deposits, banks are encouraged not to pay interest on current accounts. Interest on current account balances, wherever paid, shall be calculated on a daily product basis and paid on quarterly or longer rests.

4. Rate of Interest Payable on Savings Deposits

4.1 Banks should pay interest on domestic & NRE savings deposits at the rates specified in the Annex 1 & 2 to this Circular.

4.2 Interest on balances in savings bank accounts should be calculated on a daily product basis with effect from April 01, 2010.

4.3 Such interest should be paid at quarterly or longer rests.

4.4 Interest on savings bank accounts should be credited on regular basis whether the account is operative or not. With regard to the savings bank accounts frozen by the enforcement authorities, banks may continue to credit the interest to the account on a regular basis.

5. INTEREST PAYABLE ON TERM DEPOSITS

5 (A) Interest Rates on Term Deposits of Not Less Than 15 Days (7 Days in the Case of a Term Deposit of Rs.15 Lakh & Above and 1 Year in Case of NR Deposit)

Banks should pay interest at the rates specified in Annex 1 & 2 of this Circular. Banks are free to offer floating rate of interest at their discretion, clearly linked to an anchor rate for domestic term deposits and with an upper cap as indicated in Annex 2 of this Circular for NRE deposits. Prior approval of the Board of Directors should be obtained for fixing interest rates of various maturities.

5.1 Banks are free to fix interest rates on domestic term deposits.

5.2 The banks may, effective from November 1, 2004, at their discretion, reduce the minimum tenor of domestic/NRO term deposits even below Rs 15 lakh from 15 days to 7 days.

5.3 The banks are required to offer uniform rates on deposits below Rs.15 lakh for the same maturity.

5.4 In case of deposits of Rs 15 lakh and above banks may discriminate in the matter of rate of interest between one deposit and another, accepted on the same date and for the same maturity, on the basis of the size of deposit.

5.5 Banks are required to disclose in advance the schedule of interest rates payable on deposits including deposits on which differential rate of interest will be paid by the banks. Interest rates paid by a bank should be as per the schedule and the same shall not be subject to negotiation between the bank and the depositor for domestic deposits.

5.6 Banks are required to review their interest rate structure on domestic term deposits of different maturities and take appropriate action to make them comparable with the rates offered by the commercial banks.

5 (B) Method of Calculation of Interest on Term Deposits

Indian Banks’ Association (IBA) code for banking practice is issued by IBA for uniform adoption by the Member Banks. Code is intended to promote good banking practices by setting out minimum standards which member banks will follow in their dealings with customers. IBA, for the purpose of calculation of interest on domestic term deposit, have prescribed that on deposits repayable in less than three months or where the terminal quarter is incomplete, interest should be paid proportionately for the actual number of days reckoning the year at 365 days. It has been reported to us that some of the banks are adopting the model of reckoning the year at 366 days/ 365 days in Leap Year and in other years respectively. While banks are free to adopt their methodology, they should provide information to their depositors about the manner of calculation of interest appropriately while accepting the deposits and display the same at their branches.

6. ADDITIONAL INTEREST PAYABLE

6.1 To Non-Staff Depositors

(i) A UCB may, at its discretion, allow additional interest at a rate not exceeding 1% per annum on all local rupee (domestic) savings deposits, as well as on savings accounts opened by resident depositor(s) which become NRO accounts on the depositor(s) going abroad.

(ii) While the banks have been permitted to offer, at their discretion, additional interest not exceeding 1% and 0.5% per annum on the saving bank deposits and current account deposits respectively, the discretionary provisions generally lead to increase in the cost of deposits. The banks should, therefore, endeavour:

(a) not to pay any additional interest on the saving bank accounts over and above what is payable by commercial banks; and

(b) not to pay interest on current accounts.

6.2 To Bank's Staff and their Exclusive Associations

A bank may, at its discretion allow additional interest at a rate not exceeding one per cent per annum over and above the rate of interest stipulated in the Annex 1 & 2 and the additional interest payable/paid as per paragraph 6.1:

(A) In respect of a savings or a term deposit account opened in the name of

(i) a member or retired member of the bank's staff, either singly or jointly with any other member or members of his/her family; or

(ii) the spouse of a deceased member or a deceased retired member of the bank's staff; and

(iii) an association or a fund, members of which are the members of the bank's staff,

Provided that -

the bank shall obtain a declaration from the depositor concerned, that the monies deposited or which may, from time to time, be deposited into such account, shall be monies belonging to the depositor as stated in Clauses (i) to (iii) above.

Provided further that -

(a) in the case of employees taken on deputation from another bank, the bank from which they are deputed may allow additional interest in respect of the savings or term deposit account opened with it, during the same period of deputation;

(b) in the case of persons taken on deputation for a fixed duration, or on a contract of a fixed duration, the benefit shall cease to accrue on the expiry of the term of deputation or contract, as the case may be;

(B) Payment of additional interest shall be subject to the following conditions, namely:

(i) The additional interest shall be payable only so long as the person continues to be eligible for the same and in case of his ceasing to be so eligible, till the maturity of the deposit, in the case of a term deposit account.

(ii) In the case of employees taken over pursuant to the scheme of amalgamation, the additional interest shall be allowed only if the interest at the contractual rate together with the additional interest does not exceed the rate which could have been allowed if such employees were originally employed by the bank.

(C) Bank employees' federations in which bank employees are not direct members shall not be eligible for additional interest.

6.3 To Managing Director/Chief Executive of the Bank

A bank may, at its discretion, pay additional interest not exceeding one per cent per annum over and above the rate of interest stipulated in the Annex1 & 2 and the additional interest paid/payable as per paragraph 6.1 on deposits accepted/renewed from Managing Director of the bank; provided he acts as the Chief Executive of the bank drawing regular salary from the bank and he is not eligible to get similar benefit under paragraph 6.2 above. Additional interest on the deposits of Managing Director of the bank as above shall be payable only during the period of his tenure as Managing Director.

6.4 To Senior Citizens

(i) Banks, with the permission of their Board, may offer higher rate of interest on the term deposits of any size, to senior citizens.

(ii) The scheme of term deposits of senior citizens shall incorporate simplified procedure for automatic transfer of deposits to nominees in the event of the death of the depositor.

7. PAYMENT OF INTEREST ON TERM DEPOSIT MATURING ON SUNDAY/ HOLIDAY/ NON-BUSINESS WORKING DAY

In respect of a term deposit maturing for payment on a Sunday or a holiday or a non-business working day, a bank shall pay interest till the next working day at the originally contracted rate,

(i) on the maturity value in the case of reinvestment deposits and recurring deposits, and

(ii) on the original principal amount in the case of ordinary term deposit on the basis of 365 days in a year.

8. PREMATURE WITHDRAWAL OF TERM DEPOSIT

8.1 A UCB, on request from the depositor, should allow withdrawal of a term deposit before completion of the period of the deposit agreed upon at the time of making the deposit. Banks are free to determine their own penal interest rates for premature withdrawal of term deposits.

8.2 Banks should ensure that the depositors are made aware of the applicable penal rate along with the deposit rate.

8.3 Banks, at its discretion, may disallow premature withdrawal of large deposits held by entities other than individuals and Hindu Undivided Families. Bank should, however, notify such depositors of its policy of disallowing premature withdrawal in advance, i.e., at the time of accepting such deposits.

8.4 Conversion of NRE deposit into Foreign Currency Non-Resident (Banks) [FCNR (B)] deposit and vice versa before maturity by a bank allowed to maintain FCNR (B) deposits shall be subject to the penal provision relating to premature withdrawal.

8.5 Deposit Schemes with Lock-in Period

(i) It has been brought to notice of the Reserve Bank that some banks are offering special term deposit products to customers, in addition to regular term deposits, ranging from 300 days to five years, with the following features:

(ii) Lock-in periods ranging from 6 to 12 months;

(iii) Premature withdrawal is not permitted during the lock-in period. In case premature withdrawal is allowed during the lock-in period, no interest is paid;

(iv) Rates of interest offered on these deposits are not in tune with the rates of interest on normal deposits and

(v) Part pre-payment is allowed by some banks subject to certain conditions.

Before launching new domestic deposit mobilization schemes with the approval of their respective Boards, UCBs should ensure that the provisions of Reserve Bank’s directives on interest rates on deposits, premature withdrawal of term deposits, sanction of loans/advances against term deposits, etc., issued from time to time, are strictly adhered to. Any violation in this regard will be viewed seriously and may attract penalty under the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies). It is clarified that the special schemes, with lock-in periods and other features referred to above, which have been floated by some banks, are not in conformity with Reserve Bank’s instructions. Banks that have floated such deposit schemes are, therefore, advised to discontinue the schemes with immediate effect and report compliance to Regional Office concerned of Reserve Bank.

9. CONVERSION OF A TERM DEPOSIT, A DEPOSIT IN THE FORM OF DAILY DEPOSIT, OR RECURRING DEPOSIT FOR REINVESTMENT IN TERM DEPOSIT

In order to facilitate better Asset Liability Management, banks are permitted to formulate their own policies towards conversion of deposits with effect from May 05, 2010.

10. UNCLAIMED DEPOSITS AND INOPERATIVE/ DORMANT ACCOUNTS

Banks should play a more pro-active role in finding the whereabouts of the account holders whose accounts have remained inoperative.

(i) A savings as well as current account should be treated as inoperative / dormant if there are no transactions in the account for over a period of two years. For the purpose of classifying an account as 'inoperative' both the type of transactions i.e. debit as well as credit transactions induced at the instance of customers as well as third party should be considered.

(ii) Interest on savings bank accounts should be credited on regular basis whether the account is operative or not. If a Fixed Deposit Receipt matures and proceeds are unpaid, the amount left unclaimed with the bank will attract savings bank rate of interest.

11. INTEREST PAYABLE ON A DEPOSIT ACCOUNT OF DECEASED DEPOSITOR

The criterion for payment of interest on term deposit standing in the name/s of

(i) a deceased individual depositor or

(ii) two or more joint depositors, where one of the depositors has died to be paid to the legal heir/s/representative/s/nominee/s has been left to the discretion of the individual banks, subject to their Board of Directors, laying down a transparent policy in this regard and the customers being notified at the time of acceptance of deposits. The policy should be non-discretionary and non-discriminatory.

12. ROUNDING OFF OF TRANSACTIONS

Interest payable on deposits and interest chargeable on advances shall be rounded off to the nearest rupee; i.e., fraction of 50 paise and above shall be rounded off to the next higher rupee and fraction of less than 50 paise shall be ignored.

13. MARGIN ON ADVANCES AGAINST TERM DEPOSITS

The decision regarding maintenance of margin on any financial accommodation allowed by the banks against the security of term deposit, has been left to the individual banks, subject to their Board laying down a transparent policy in this regard.

14. ADDITION OR DELETION OF THE NAME(S) OR SPLIT INTO JOINT ACCOUNT HOLDERS

A UCB may, at its discretion, and at the request of the joint account holders of a deposit, if any,

(i) allow the addition or deletion of name(s) of joint account holders, if the circumstances so warrant; or

(ii) allow an individual depositor to add the name of another person as account holder; or

(iii) allow splitting up of the joint deposit in the name of each of the joint account holders only;

Provided that in no case, shall the amount, or duration of the original deposit, undergo change in any manner in case the deposit is a term deposit.

15. TRANSFER/SPLIT UP OF THE DEPOSIT ON THE DEATH OF AN ACCOUNT HOLDER

On the death of a depositor, a UCB may allow the deposit to be held in the name/s of one or more legal heirs, or legal representatives, or nominees of the depositor, either jointly in their names, or along with other persons, or separately in their names by splitting up the deposits.

16. PAYMENT OF INTEREST ON ACCOUNTS FROZEN

The following procedure may be followed in case of Term Deposits Accounts frozen by the enforcement authorities-

(i) A request letter may be obtained from the customer for renewal of the deposit on maturity. While obtaining the request letter from the depositor for renewal, the banks may advise him to indicate the item for which the deposit is to be renewed. In case the depositor does not exercise his option of choosing the term for renewal, banks may renew the same for a term equal to the original term.

(ii) No new receipt is required to be issued. However, suitable note may be made regarding renewal in the deposit ledger.

(iii) Renewal of deposit may be advised by registered letter / speed post / courier service to the concerned Government department under advice to the depositor. In the advice to the depositor, the rate of interest at which the deposit is renewed should also be mentioned.

(iv) If overdue period does not exceed 14 days on the date of receipt of the request letter, renewal may be done from the date of maturity. If it exceeds 14 days, banks may pay interest for the overdue period as per the policy adopted by them, and keep it in a separate interest free sub-account which should be released when the original fixed deposit is released.

17. EXEMPTIONS

Nothing contained in the directives on interest rates on deposits shall apply to deposits received by a UCB from

(i) the institutions permitted to participate in the Call/Notice Money Market both as a lenders and borrowers

(ii) from any depositor under Foreign Currency (Non-resident) Account  Scheme

18. PROHIBITIONS

18.1 No bank shall –

(i) discriminate in the matter of interest paid on deposits, between one deposit and another, accepted on the same date and for the same maturity, whether such deposits are accepted at the same office or at different offices of the bank, except in respect of term deposit schemes specifically meant for senior citizens offering higher and fixed rates of interest as compared to normal deposits of any size and single term deposit of Rs.15 lakh and above on which varying rates of interest may be permitted on the basis of size of deposits.

(ii) pay brokerage on deposits in any form to any individual, firm, company, association, institution or any other person except –

(a) commission paid to agents employed to collect door-to-door deposits under a special scheme, and
(b) incentives granted to staff members as approved by the Reserve Bank from time to time.

(iii) employ/engage any individual, firm, company, association, institution or any other person for collection of deposit or for selling any other deposit linked products on payment of remuneration or fees or commission in any form or manner, except to the extent permitted in sub-clause (a) of clause (ii) above.

(iv) launch prize/ lottery/ free trips (in India and/or abroad), etc. oriented deposit mobilisation schemes.

(v) resort to unethical practices of raising of resources through agents/third parties to meet the credit needs of the existing/prospective borrowers or to grant loans to the intermediaries based on the consideration of deposit mobilisation.

(vi) issue any advertisement/literature soliciting deposits from public highlighting only the compounded yield on term deposits without indicating the actual rate of simple interest offered by bank for the particular period. Simple rate of interest per annum for the period of deposit shall be indicated invariably.

(vii) accept deposits from/at the instance of private financiers or unincorporated bodies under any arrangement which provides for either issue of deposit receipt/s favouring client/s of private financiers or giving of an authority by power of attorney, nomination or other-wise, for such clients receiving such deposits on maturity.

(viii) grant advances against fixed deposit receipts or other term deposits of other banks.

18.2 Accounts in the Names of Certain Bodies/Organisations

(i) No UCB shall open a savings deposit account in the name of Government departments/bodies depending upon budgetary allocations for performance of their functions/ Municipal Corporations or Municipal Committees/ Panchayat Samitis/ State Housing Boards/Water and Sewerage/ Drainage Boards/State Text Book Publishing Corporations/ Societies/Metropolitan Development Authority/State/ District Level Housing Co-operative Societies, etc. or any political party or any trading/business or professional concern, whether such concern is a proprietary or a partnership firm or a company or an association.

(ii) The above prohibition at (i) will not apply in the case of the following organisations/agencies:

(a) Small Farmers' Development Agency (SFDA)
(b) Marginal Farmers' and Agricultural Labourers' Agencies   (MFAL)
(c) Drought Prone Areas Programme (DPAP)
(d) District Development Authority (DDA)
(e) District Rural Development Agency/Society (DRDA/DRDS)
(f) Integrated Tribal Development Agency (ITDA)
(g) Agriculture Produce Market Committees.
(h) Khadi and Village Industries Boards.
(i) Fish Farmers Development Agencies (FFDAs)
(j) Societies registered under the Societies Registration Act, 1860 or any other corresponding law in force in a State or a Union Territory
(k) Companies governed by the Companies Act, 1956 which have been licensed by the Central Government under Section 25 of the said Act, or under the corresponding provision in the Indian Companies Act, 1913 and permitted, not to add to their names the word, ‘Limited’ or the words ‘Private Limited’
(l) Institutions other than those mentioned in Clause 18.2 (i) above and whose entire income is exempt from the payment of income tax under the Income Tax Act, 1961
(m) Zila Parishads/Gram Panchayats only in respect of Jawahar Rojgar Yojna funds
(n) HUF, provided that HUF is not engaged in trading or business activities and if the account is specified in the name of the Karta.


Appendix
Master Circular
Interest Rates on Rupee Deposits

List of circulars consolidated in the Master Circular

No.

Circular No.

Date

Subject

1. 

UBD.BPD.PCB.Cir.No.65/13.01.000/2009-10

05-05-2010

Conversion of Term Deposits, Daily Deposits or Recurring Deposits for reinvestment in term deposits by Primary (Urban) Co-operative Banks

2. 

UBD.(PCB).BPD.Cir.No.48/13.01.000/2009-10

04-03-2010

Payment of interest on savings bank account on daily product basis

3. 

UBD.(PCB).BPD.Cir.No.7/13.01.000/2009-10

01-09-2009

Payment of interest on savings bank account on daily product basis

4.

UBD.(PCB).BPD.Cir.No.4/13.01.000/2009-10

20-08-2009

Payment of interest on accounts frozen by UCBs

5.

UBD.PCB.CO.BPD.Cir.No.25/13.01.000/2008-09

17-11-2008

Interest Rates on Non-Resident (External) Rupee [NRE] Deposits – UCBs

6. 

UBD.PCB.CO.BPD.Cir.No.22/13.01.000/2008-09

16-10-2008

Interest Rates on Non-Resident (External) Rupee [NRE] Deposits – UCBs

7. 

UBD.PCB.CO.BPD.Cir.No.21/13.01.000/2008-09

01-10-2008

Payment of interest on accounts frozen-UCBs

8. 

UBD.PCB.CO.BPD.Cir.No.16/13.01.000/2008-09

19-09-2008

Interest Rates on Non-Resident (External) Rupee [NRE] Deposits – UCBs

9. 

UBD BPD (PCB) Cir.No.9 /13.01.000/2008-09

01-09-08

Unclaimed Deposits and Inoperative/ Dormant Accounts in UCBs

10. 

UBD.(PCB).CO.BPD.Cir.No. 16/13.01.000/2008-09

19-09-08

Interest Rates on Non-Resident (External) Rupee (NRE) Deposits- UCBs

11. 

UBD.BPD.AD Cir. No.17 /13.01.000/2008-09

19-09-08

Interest Rate on FCNR (B) Deposits- UCBs (ADs)

12. 

UBD (PCB) CO.BPD.Cir.No.21 /13.01.000/2008-09

01-10-08

Payment of interest on accounts frozen - UCBs

13. 

UBD (PCB) CO. BPD. Cir. No.22/13.01.000/08-09

16-10-08

Interest Rates on Non-Resident (External) Rupee (NRE) Deposits- UCBs

14.

UBD.BPD.AD.Cir.No.23/13.01.000/2008-09

16-10-08

Interest Rate on FCNR (B) Deposits- UCBs (ADs)

15. 

UBD (PCB) CO.BPD.Cir. No. 25/13.01.000/2008-09

17-11-08

Interest Rates on Non-Resident (External) Rupee (NRE) Deposits- UCBs

16. 

UBD.BPD. AD.Cir. No. 26/13.01.000/08-09

17-11-08

Interest Rate on FCNR (B) Deposits- UCBs (ADs)

17. 

UBD (PCB) CO BPD Cir No: 21/13.01.000/2007-08

15-11- 07

Deposit schemes with lock-in period

18. 

UBD PCB CO BPD Cir No: 37/13.01.000/2006-07

26-04-2007

Interest rates on Non-Resident (External)Rupee (NRE)Deposits – UCBs

19. 

UBD PCB CO BPD Cir No: 28/13.01.000/2006-07

05-02-2007

Interest rates on Non-Resident (External)Rupee (NRE)Deposits – UCBs

20.

UBD.PCB.Cir.48/13.01.00/2005-06

20-04-2006

Interest rates on Non-Resident (external) Rupee (NRE) deposits- UCBs

21.

UBD.PCB.Cir.42/13.01.00/2005-06

05-04-2006

Interest rates on Non-Resident deposits – UCBs

22.

UBD.PCB.Cir.17/13.01.00/2005-06

22-11-2005

Interest rates on Non-Resident (external) Rupee (NRE) deposits- UCBs

23. 

UBD.PCB.Cir.27/13.01.00/2004-05

1-11-2004

Interest rate on Non-Resident (External) Rupee (NRE) Deposits

24.

UBD.No.28/13.01.00/2004-2005

1-11-2004

Reduction of Tenor of Domestic/ Ordinary Non-Resident (NRO) Term Deposits

25. 

BPD.PCB.Cir.49/13.01.00/2002-03

29-04-2003

Deposits under Non-Resident (External) Rupee (NRE) Accounts Scheme

26. 

UBD.BPD(PCB)Cir.No.4/13.01.00/2002-03

17-07-2003

Interest Rate on Deposits under Non-Resident (External)Rupee Accounts (NRE Accounts)

27. 

UBD.CO.BPD.No.14/13.01.00/2003-04

17-09-2003

Interest rate on deposit under Non-Resident (External) Rupee Account (NRE A/c)

28. 

UBD.BPD(PCB)Cir.No.20/13.01.00/2003-04

18-10-2003

Interest rate on deposit under Non-Resident (External)Rupee A/c (NRE A/c)

29.

UBD.BPD(PCB)Cir.No.43/13.01.00/2003-04

08-04-2004

Interest rates on rupee deposits held in domestic, ordinary Non-resident (NRO) & Non-Resident External (NRE) A/cs

30. 

UBD.BPD(PCB)Cir.No.46/13.01.00/2003-04

17-04-2004

Interest rates on deposits under Non-Resident (External) Rupee A/c (NRE A/cs)

31. 

BPD.PCB.Cir.49/13.01.00/2002-03

29-04-2003

Deposits under Non-Resident (External) Rupee (NRE) Accounts Scheme

32. 

UBD.BPD(PCB)Cir.No.4/13.01.00/2002-04

17-07-2003

Interest Rate on Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts)

33.

UBD.CO.BPD. No.14/13.01.00/2003-04

17-09-2003

Interest rate on deposit under Non-Resident (External) Rupee Account (NRE A/c)

34. 

UBD.BPD(PCB)Cir.No.20/13.01.00/2003-04

18-10-2003

Interest rate on deposit under Non-Resident (External) Rupee A/c (NRE A/c)

35.

UBD.BPD(PCB)Cir.No.43/13.01.00/2003-04

08-04-2004

Interest rates on rupee deposits held in domestic, ordinary Non resident (NRO) & Non Resident External (NRE) A/cs

36. 

UBD.BPD(PCB)Cir No.46/13.01.00/2003-04

17-04-2004

Interest rates on deposits under Non-Resident (External) Rupee A/c (NRE A/cs)

37. 

UBD.PBD.Dir. (PCB) No. 42 / 13.01.00 / 2002-03

25-03-03

Interest Rates on Deposits

38. 

UBD.No.PCB.Dir.10/13.01.00/2000-01

19-04-2001

Interest Rates on Deposits

39. 

UBD.No.DS.Dir.3/13.01.00/2000-01

03-01-2001

Interest Rates on Deposits

40. 

UBD.No.DS(PCB)CIR.20/13.01.00/ 2000-01

22-12-2000

Rate of Interest on Advances against Term Deposits

41.

UBD.No.DS.PCB.DIR.10/13.01.00/ 1999-2000

27-04-2000

Interest Rates on Deposits

42. 

UBD.No.DS.PCB.Cir.32/13.01.00/ 1999-2000

27-04-2000

Interest Rates on Deposits held under Non-Resident (External) Accounts

43. 

UBD.No.DS.PCB.CIR.29/13.01-00/ 1999-2000

01-04-2000

Interest Rates on Deposits

44. 

UBD.DS.PCB-DIR.7/13.01-00/1999-2000

01-07-2000

Interest Rate on Deposits

45. 

UBD.DS.2/13.01.00/1999-2000

21-09-1999

Interest Rates on Deposit

46. 

UBD.No.DS.PCB.CIR.9/13.01.00/ 1999-2000

21-09-1999

Interest Rates on Deposits

47. 

UBD.No.DS.PCB.CIR.59/13.01.00/97-98

26-05-1998

Interest Rate on Deposits

48.

UBD.No.DS.Dir.PCB.14/13.01.00/97-98

29-04-1998

Interest Rates on Deposits

49. 

UBD.No.DS.PCB.CIR.53/13.01.00/97-98

29-04-1998

Interest Rate on Deposits

50.

UBD.No.DS.PCB.Cir.12/13.01.00/97-98

21-10-1997

Interest Rates on Deposits

51. 

UBD.No.DS.PCB.DIR.5/13.01.00/97-98

21-10-1997

Interest Rates on Deposits

52. 

UBD.No.DS.PCB.DIR.2/13.01.00/97-98

12-09-1997

Interest Rates on Deposits under Non-Resident (External) Rupee (NRE) Accounts Scheme

53. 

UBD.No.DS.CIR.PCB.6/13.01.00/97/ 98

12-09-1997

Interest Rates on Deposits under Non-Resident (External) Rupee (NRE) Accounts Scheme

54. 

UBD.No.DS.PCB.Cir.2/13.01.00/97-98

17-07-1997

Interest Rates on Deposits

55. 

UBD.No.DS.PCB.DIR.26/13.01.00/96-97

25-06-1997

Interest Rates on Deposits

56. 

UBD.No.DSP.CB.DIR.27/13.01.00/96-97

25-06-1997

Interest Rates on Deposits under Non-Resident (External) Rupee (NRE) Accounts Scheme

57. 

UBD.No.DS.PCB.Cir.57/13.01.00/96-97

25-06-1997

Interest Rates on Deposits

58. 

UBD.No.DS.CIR.PCB.58/13.01.00/96-97

25-06-1997

Interest Rates on Deposits Under Non-Resident (External) Rupee (NRE) Accounts Scheme

59. 

UBD.No.DSP.CB.DIR.27/13.01.00/96-97

25-06-1997

Interest Rates on Deposits

60.

UBD.No.DS.PCB.CIR45/13.01.00/96-97

19-04-1997

Interest Rates on Deposits-Premature withdrawal of term deposit.

61.

UBD.No.DS.PCB.DIR.20/13.01.00/96-97

15-04-1997

Interest Rates on Deposits

62. 

UBD.No.DS(PCB)Dir.21/13.01.00/96-97

15-04-1997

Interest Rates on Deposits

63. 

UBD.No.DS.CIR.PCB.44/13.01.00/96-97

15-04-1997

Interest Rates on Deposits

64.

UBD.No.DS.PCB.Cir.21/13.01.00-96/97

19-10-1996

Interest Rates on Deposits

65.

UBD.No.DS.PCB.CIR.18/13.01.00/96-97

30-08-1996

Interest Rates on Deposits

66.

UBD.No.DS.DIR.9/13.01.00/96-97

30-08-1996

Interest Rates on Deposits

67. 

UBD.No.DS.PCB.CIR.16/13.01.00/96-97

09-08-1996

Rate of interest on advances against term deposits

68. 

UBD.No.DS.PCB.Cir.2/13.01.00/96-97

01-07-1996

Interest Rates on Deposits

69. 

UBD.No.DS.PCB.Dir.2/13.01.00/96-97

01-07-1996

Interest Rates on Deposits

70. 

UBD.No.(PCB.)Dir.25/13.01.00/95-96

03-04-1996

Interest Rates on Deposits

71. 

UBD.No.DS.CIR.PCB.59/13.01.00/95-96.

03-04-1996

Interest Rates on Deposits

72. 

UBD.No.DS.PCB.DIR.24/13.01.00/95-96

30-03-1996

Interest Rates on Deposits

73. 

UBD.No.DS.PCB.CIR.57/13.01.00/95-96

30-03-1996

Interest Rates on Deposits

74. 

UBD No.DS.(PCB.)12/13.01.00/95-96

30-10-1995

Interest Rates on Deposits

75. 

UBD No.DS.Cir.PCB.24/13.01.00/95-96.

30-10-1995

Interest Rates on Deposits

76. 

UBD.No.DS.(PCB)DIR.10/13.01.00/ 95-96

29-09-1995

Rate of Interest on advances against term deposits

77. 

 UBD No.DS.Cir.PCB.15/13.01.00/95-96

29-09-1995

Interest Rates on Deposits

78. 

UBD.No.DS.Cir.PCB.17/13.01.00/95-96.

09-09-1995

Rate of Interest on Advances against term deposits

79. 

 UBD No.DS.(PCB.) 8/13.01.00/95-96

29-09-1995

Interest Rates on Deposits

80.

UBD.No.DS.PCB.DIR.17/13.01.00/94-95.

06-05-1995

Interest Rates on Deposits

81. 

UBD.No.DS.(PCB)DIR.13(13.01.00)/ 94/95

17-04-1995

Interest Rates on Deposits

82.

UBD.No.DS.CIR.PCB.50(13.01.00)/ 94-95

17-04-1995

Interest rates on Deposits

83. 

UBD.No.DS.(PCB.)DIR.10(13.01.00)/94-95

09-02-1995

Interest Rates on Deposits

84. 

UBD.No.DS.CIR.PCB.42(13.01.00)/ 94-95

09-02-1995

Interest Rates on Deposits

85. 

UBD.No.DS.CIR.PCB.40/13.01.00/94-95.

04-02-1995

Interest rates on deposits

86. 

UBD.DS.CIR.PCB.26/13.01.00/94-95

26-10-1994

Interest Rates on Deposits - Margin on advances against term deposits

87. 

UBD.DS.PCB.DIR.7/13.01.00/94-95

26-10-1994

Interest Rates on Deposits

88. 

UBD.No.DS.CIR.(PCB)21/(13.01.00)/94-95

17-10-1994

Interest Rates on Deposits

89. 

UBD.No.DS.CIR.PCB.22/(13.01.00)/ 94-95

17-10-1994

Interest Rates on Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts)

90. 

UBD.No.(PCB)DIR.4/(13.01.00)/94-95

17-10-1994

Interest Rates on Deposits

91.

UBD.No.DS(PCB)DIR.5/(13.01.00)/ 94-95

17-10-1994

Interest Rates on Deposits

92. 

UBD.DS.CIR.AD1/13.02.00/94-95

07-07-1994

Interest rates on deposits

93. 

UBD.DS.PCB.DIR1/13.01.00/94-95

05-07-1994

Interest Rates on Deposits

94. 

UBD.No.PCB.(CIR).83/13-01.00/93-94

16-06-1994

Calculation of interest on savings bank accounts - Determining the monthly product

95. 

UBD.No.(PCB)Cir.70/(13.01.00)/93-94

14-05-1994

Interest Rates on Deposits

96. 

UBD.No.(PCB)DIR.3/(13.01.00)/93-94

14-05-1994

Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts) Scheme

97. 

UBD.No.(PCB)Cir.58/13.01.00/93-94

16-02-1994

Interest Rates on Deposits - Premature with-drawal

98. 

UBD.No.(PCB)Cir.54/13.01.00/93-94

08-02-1994

Premature withdrawal of term deposit before the minimum period - Rate of Interest on advance granted against deposit

99. 

UBD.No.(PCB)DC.24/(13.01.00)/93-94

11-10-1993

Interest Rates on Deposits

100. 

UBD.No.(PCB)DC.25/(13.01.00)/93-94

pr11-10-1993

Interest Rates on Deposits

101. 

UBD.No.(PCB)15/DC(13.01.00)-93/94

01-09-1993

Interest Rates on Deposits

102. 

UBD.No.(PCB)DC.16/(13.01.00)/93-94

01-09-1993

Interest Rates on Deposits

103. 

UBD.No.(PCB)9/(13.01.00)/93-94

04-08-1993

Premature withdrawal of term deposit for a period of 46 days - Rate of Interest on advance granted against deposit

104. 

UBD.No.(PCB)91/DC(13.01.00)92-93

23-06-1993

Interest Rates on Deposits

105. 

UBD.No.(PCB)92/DC.V.1(B)/92-93

23-06-1993

Interest Rates on Deposits

106. 

UBD.(PCB)78/DC.V.1(B)/92-93

26-05-1993

Interest rates on deposits Premature withdrawal

107.

UBD.(PCB)68/DC.V.1(B)/92-93

15-05-1993

Interest rates on deposits

108. 

UBD.(PCB)69/DC.V.1(B)/92-93

15-05-1993

Interest rates on deposits - acceptance of deposits for longer period

109. 

UBD.No.(PCB)56A/DC.V.1(B)/92-93

07-04-1993

Interest Rates on Deposits

110. 

UBD.No.(PCB)57/DC.V.1(B)/92-93

07-04-1993

Interest Rates on Deposits held under Non-Resident (External) Rupee Accounts

111.

UBD.No.(SUC)104/DC.V.1(B)/92-93

13-03-1993

Interest rates on deposits

112.

UBD.No.(PCB)50/DC.V.1(B)/92-93

27-02-1993

Interest Rates on Deposits

113. 

UBD.No.(PCB)51/DC.V.1(B)/92-93

27-02-1993

Interest Rates on Deposits

114. 

UBD.(DC)36/V.1/92-93 28

28-01-1993

Directive on Interest rates on Deposits - Permissible Value of Gift

115. 

UBD No.(PCB)24/DC.V.1/92-93

08-10-1992

Interest Rates on Deposits

116. 

UBD.No.(PCB)23/DC.V.1/92-93

08-10-1992

Deposits [other than Foreign Currency (Non-Resident) Accounts and Non-Resident (External) Rupee Accounts]

117. 

UBD.(PCB)15/DC.V.1-92/93

18-09-1992

Premature withdrawal of term deposit for a period of 46 days - Rate of interest on advance granted against deposit

118.

UBD.(UAF)1/DC(V.1)-92/93

24-07-1992

Interest rate on Savings deposits - increase from 5% p.a. to 6% p.a.W.E.F.24.4.1992

119. 

UBD.No.(PCB)70/DC.V.1-91/92

23-04-1992

Interest Rates on Deposits

120.

UBD.PCB.71/DC.V.1-91/92

23-04-1992

Interest Rates on Deposits

121.

UBD.No.(PCB)64/DC.V.1.91/92

21-04-1992

Interest Rates on Deposits

122.

UBD.No.(PCB)65/DC.V.1-91/92

21-04-1992

Interest Rates on Deposits

123.

UBD.(SUC)48/DC/V.1(B)-91/92

30-11-1991

Interest Rates on Deposits

124.

UBD(PCB)24/DC.V-1-91/92

08-10-1991

Interest Rates on Deposits

125.

UBD(PCB)25/DC.V-1-91/92

08-10-1991

Interest Rates on Deposits

126.

UBD(PCB)19/DC.V-1-91/92

20-09-1991

Interest Rates on Deposits

127.

UBD(PCB)20/DC.V-1-91/92

20-09-1991

Interest Rates on Deposits  - Opening of Savings Bank Accounts

128. 

UBD.No(RO)6/DC(V.1)-91/92

17-09-1991

Interest Rates on Deposits  - Payment of Interest on Term Deposits

129. 

UBD(PCB)1.DC.V.1-91/92

22-07-1991

Interest Rates on Deposits

130. 

UBD(PCB)2/DC.V-1-91/92

22-07-1991

Interest Rates on Deposits

131. 

UBD.PCB.76/DC-V-1-90/91

26-04-1991

Interest Rates on Deposits - Premature Withdrawal of Term Deposits - Method and Rate for Calculating Interest

132. 

UBD.No(PCB)64/DC-V-1-90/91

12-04-1991

Interest Rates on Deposits

133. 

UBD.No(PCB)65/DC-V-1-90/91

12-04-1991

Interest Rates on Deposits

134. 

UBD.No(PCB)67/DC(V.1)90/91

12-04-1991

Interest Rates on Deposits

135.

UBD.No.(PCB)68/DC-V-1-90/91

12-04-1991

Interest Rates on Deposits held under the Non-Resident (External) Rupee Accounts

136. 

UBD.No.(PCB)44/DC(V.1)-90/91

 

Interest Rates on Deposits

137. 

UBD.(PCB)34/DC.V-1-90/91

16-01-1991

Interest Rates on Deposits

138. 

UBD.DC.29/V.1-90/91

08-12-1990

Charging of Penal Interest for the Defaulted Instalments of Recurring Deposits

139. 

UBD.No.(PCB)26/DC(V.1)-90/91

30-11-1990

Interest Rates on Deposits

140. 

UBD.No(PCB)20/DC(V.1)-90/91

15-10-1990

Interest Rates on Deposits

141. 

UBD.(PCB)14/DC.V.1-90/91

09-10-1990

Interest Rates on Deposits

142. 

UBD(PCB).15/DC-V-1-90/91

09-10-1990

Interest Rates on Deposits

143. 

UBD.(PCB)8/DC.V.1-90/91

07-09-1990

Directives on Interest Rates on Deposits

144. 

UBD.(PCB) No.9/DC-V-1-90/91

07-09-1990

Interest Payable on the Deposit Account of Deceased Depositor/s

145. 

UBD.No.PCB.32/DC.V.1(B)-89/90

30-04-1990

Interest Rates on Deposits

146. 

UBD.(UCB).23/DC(V.1)-89/90

12-04-1990

Interest Rates on Deposits

147.

UBD.(UCB)24/DC-(V.1)-89/90

12-04-1990

Interest Rates on Deposits held under the Non-Resident (External) Rupee Accounts

148. 

UBD.No.PCB.16/DC.V-1(B)-89/90

05-03-1990

Interest Rates on Deposits

149. 

UBD.DC.49/V.1-89/90

13-12-1989

Method of Calculation of Interest on Premature Withdrawal/Discontinuance of Recurring Deposits and Charging of Penal Interest for the Defaulted Instalments of Recurring Deposits

150. 

UBD.No.DC.31/V.1-89/90

09-10-1989

Interest Rates on Deposits

151. 

UBD.No.DC.32/V.1-89/90

09-10-1989

Interest Rates on Deposits

152. 

UBD.No.DC.9/V.1.89/90

31-07-1989

Interest Rates on Deposits - Payment of Interest on Term Deposits

153.

UBD.No.DC.101/V.1-88/89

27-03-1989

Interest Rates on Deposits

154. 

UBD.No.DC.102/V.1/88-89

27-03-1989

Interest Rates on Deposits

155. 

UBD.No.DC.12/V.1(B)-88/89

30-07-1988

Directives on Interest Rates on Deposits

156. 

UBD.No.DC.104/V-1/87-88

02-04-1988

Interest Rates on Deposits

157. 

UBD.DC.105/V.1-87/88

02-04-1988

Interest Rates on Deposits

158. 

UBD.No.(DC)63/V.1-86/87

19-11-1987

Payment of Interest on Savings Bank Accounts

159. 

UBD.No.DC.60/V1.87/88

13-11-1987

Interest Rates on Deposits - Rate of Interest Applicable to Overdue Deposits

160. 

UBD.(DC)46/V.1-87/88

10-10-1987

Interest Rates on Deposits

161. 

UBD.DC.No.7/V.1-87/88

06-07-1987

Interest Rates on Deposits

162. 

UBD.DC.8/V.1-87/88

06-07-1987

Interest Rates on Deposits

163. 

UBD.DC.102/V.1-86/87

25-06-1987

Interest Rates of Deposits

164. 

UBD.DC.103/V.1.86/87

25-06-1987

Interest Rates on Deposits

165. 

UBD.No.(DC)68.V.1.86/87

01-04-1987

Interest Rates on Deposits

166. 

UBD.No.DC.60/V.1-86/87

31-03-1987

Interest Rates on Deposits

167. 

UBD.No.(DC)61/V.1-86/87

31-03-1987

Interest Rates on Deposits

168. 

UBD(DC)57/V.1-85/86

19-11-1985

Margin and Rate of Interest on Loans Against Fixed Deposits

169. 

UBD.No.(DC)56/V.1/85-86

19-11-1985

Payment of Interest on Savings Bank Accounts of Government Departments, Semi-Governments, Quasi-Governments and Local Bodies and certain Organisations engaged in Public Utility Services like State Housing Board

170. 

UBD.No.(DC)36/V.1-85/86

09-10-1985

Interest Rates on Deposits

171.

UBD.DC.21/ V.I-85/86

02-09-1985

Directives on Interest Rates on Deposits

172. 

UBD.(DC)3408/V.1-84/85

25-05-1985

Non-resident accounts in rupees

173. 

UBD.(DC)3413/V.1-84/85

25-05-1985

Interest rates on deposits

174. 

UBD.(DC)3415/V.1-84/85

25-05-1985

Interest rates on deposits acceptance of deposits for periods exceeding 10 years

175. 

UBD.(DC)3414/V.1-84/85

24-05-1985

Interest rates on deposits

176.

UBD(DC)3160/V.1-84/85

06-04-1985

Interest rates on deposits

177. 

UBD.(DC)3161/V.1-84/85

06-04-1985

Interest rates on deposits

178. 

UBD.I&L1707/J.1-84/85

23-02-1985

Crediting of interest on deposits accepted under re-investment plan to the deposit accounts

179. 

UBD.(DC)890/V.1-84/85

09-01-1985

Interest rates on deposits payment of interest at savings bank rate on amounts lying in the current account of deceased depositors

180. 

DBOD.UBD(DC)128/V.1-83/84

22-07-1983

Interest rates on deposits

181. 

DBOD.UBD(DC)1055/V.1-82/83

04-02-1983

Interest rates on deposits

182. 

DBOD.UBD(DC)464/V.1-82/3

26-10-1982

Interest Rates on Deposits

183. 

DBOD.UBD(DC)465/V.1-82/3

26-10-1982

Interest Rates on Deposits

184. 

ACD.ID.(DC).38/V.1-82/83

09-07-1982

Violations of the directive provisions relating to interest rates on deposits

185. 

ACD.ID.(DC)2692/V.1-81/82

03-06-1982

Interest rates on deposits payments of interest on savings bank accounts of certain organisations engaged in public utility services like municipal corporations, state housing boards, etc.

186. 

ACD.ID.(DC)1882/V.1-81/82

01-03-1982

Interest rates on deposits

187. 

ACD.ID.(DC)1883/V.1-81/82

01-03-1982

Interest rates on deposits

188. 

ACD.ID.(DC)1249/V.1-81/82

21-12-1981

Interest rates on deposits

189. 

ACD.ID.(DC)1251/V.1-81/82

21-12-1981

Interest rates on deposits

190. 

ACD.ID.(DC)367/V.1-81/82

13-08-1981

Interest rates on deposits renewal of deposits before maturity

191. 

ACD.ID.(DC)369/V.1-81/82

13-08-1981

Interest rates on deposits

192. 

ACD.ID(DC)256/V.1-81/82

22-07-1981

Interest rates on deposits premature withdrawal of deposits

193. 

ACD.ID.(DC)2133/V.1-80/81

02-03-1981

Interest Rates on Deposits

194. 

ACD.ID.(DC)2132/V.1-80/81

02-03-1981

Interest rates on deposits

195. 

ACD.ID.(DC)2961/V.1-79/80

16-05-1980

Directives on interest rates on deposits

196. 

ACD.ID.(DC)791/V.1-79/80

14-09-1979

Interest rates on deposits

197. 

ACD.ID.(DC)790/V.1-79/80

13-09-1979

Interest rates on deposits

198. 

ACD.ID.(DC)3167/V.1-78/9

19-02-1979

Interest rates on deposits

199. 

 ACD.ID.(DC)1259/V.1-78/9

20-11-1978

Interest rates on deposits covered by declaration under section 54 E of the income tax act,1961

200. 

ACD.ID.(DC)584/V.1-78/9

23-08-1978

Interest Rates on Deposits

201. 

ACD.ID.(DC)585/V.1-78/9

23-08-1978

Interest rates on deposits

202. 

ACD.ID.(DC)9264/V.1-77/8

02-06-1978

Interest rates on deposits payment of interest on monthly basis on fixed deposits

203. 

ACD.ID.(DC)8866/V.1-77/8

10-05-1978

Directives on interest rates on deposits

204. 

ACD.ID.(DC)6975/V.1-77/8

07-03-1978

Interest rates on deposits

205. 

ACD.ID.(DC)69761/V.1-77/8

07-03-1978

Interest rates on deposits

206. 

ACD.ID.(DC)6870/V.1-77/8

01-03-1978

Interest rates on deposits

207. 

ACD.ID.(DC)6871/V.1-77/8

01-03-1978

Interest rates on deposits

208. 

ACD.ID.2717/V.1-77/8

21-09-1977

Interest rates on deposits

209.

ACD.ID.2718/V.1-77/8

21-09-1977

Interest rates on deposits

210.

ACD.ID.1092/V.1-77/8

30-07-1977

Interest rates on deposits overdue deposits

211.

ACD.ID.11438/V.1-76/7

20-06-1977

Interest rates on deposits

212.

ACD.ID.10844/V.1-76/7

31-05-1977

Interest rates on deposits

213.

ACD.ID.10845/V.1-76-7

31-05-1977

Interest rates on deposits

214.

ACD.ID.3677/V.1-76/7

01-11-1976

Interest rates on deposits - linked janata personal accident policy

215.

ACD.ID.12504/J.32-75/6

21-06-1976

Interest rates on deposits

216.

ACD.ID.12505/J.32-75/6

21-06-1976

Interest rates on deposits

217. 

ACD.ID.8217/J.32-75/6

31-01-1976

Interest rates on deposits premature withdrawal of deposits

218. 

ACD.ID.5257/J.32-75/6

24-11-1975

Interest Rates on Deposits Schemes for Mobilising Deposits

219. 

ACD.ID.4300/J.32-74/5

12-02-1975

Interest Rates on Deposits

220. 

ACD.ID.4301/J.32-74/5

12-02-1975

Interest Rates on Deposits

221. 

ACD.ID.4141/J.32-74/5

31-01-1975

Interest Rates on Deposits

222. 

ACD.ID.4142/J.32-74-5

31-01-1975

Interest Rates on Deposits

223.

ACD.ID.3986/J.32-74/5

20-01-1975

Interest rates on deposits

224.

ACD.ID.2918/J.32-74/5

22-11-1974

Interest rates on deposits

225. 

ACD.ID.2919/J.32-74/5

22-11-1974

Interest rates on deposits

226. 

ACD.ID.935/J.32/74-5

16-08-1974

Interest rates on deposits

227. 

ACD.ID.936/J.32/7-45

16-08-1974

Interest rates on deposits

 
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