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Meant For : The Chairman & Managing Director/ Managing Director, State Bank of India & its Associate Banks

Circular Number : RBI/2004/83DGBA.GAD.No.1009/42.01.018/ 2003-04
Subject : Streamlining the Procedure for Issue of Income Tax Refund Orders (ITROs)
Department : Department of Government and Bank Accounts

Date Of Issue : 28 February, 2004

Meant For : The Chief Executive Officers of all Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/82BPD.PCB.Cir. 36 /13.08.00/2003-04
Subject : Grant of advances against the security of Relief Bonds
Department : Urban Banks Department

Date Of Issue : 27 February, 2004

Meant For : The Chief Executive Officers of all Primary (Urban) Co-operative Banks (UCBs)

Circular Number : RBI/2004/78BPD.PCB.Cir. 35 /13.05.00/2003-04
Subject : Placement of deposits by Non-scheduled UCBs with strong Scheduled UCBs.
Department : Urban Banks Department

Date Of Issue : 27 February, 2004

Meant For : The Registrar of Co-operative Societies / Central Registrar of Co-operative Societies

Circular Number : RBI/2004/79BPD.RCS..Cir. 4 /13.05.00/2003-04
Subject : Placement of deposits by Non-scheduled UCBs with strong Scheduled UCBs
Department : Urban Banks Department

Date Of Issue : 27 February, 2004

Meant For : The Chairman/Managing Director / All Indian Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004/75RPCD.PLNFS.BC. 67 /09.04.01/2003-04
Subject : Achievement of the allocated target Under the PMRY Scheme - Programme Year 2003-04
Department : Rural Planning and Credit Department

Date Of Issue : 25 February, 2004

Meant For : The Treasury Officers / The Regional Director / The Chief Managers of the branches of State Bank of India

Circular Number : RBI/2004/77Repayment Circular No.04 /2003
Subject : Repayment of 11.57 per cent Government Stock, 2004 on March 25,2004
Department : Foreign Exchange Department

Date Of Issue : 25 February, 2004

Meant For : The Treasury Officers / The Regional Director / The Chief Managers of the branches of State Bank of India

Circular Number : RBI/2004/76Repayment Circular No.03 /2003
Subject : Repayment of 12.50 per cent Government Stock, 2004 on March 23, 2004
Department : Foreign Exchange Department

Date Of Issue : 25 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/74A.P.(DIR Series) Circular No.76
Subject : Foreign Exchange Management Act (FEMA), 1999 – Current Account Transactions – Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 24 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/72A.P.(DIR Series) Circular No.75
Subject : External Commercial Borrowings (ECB) for Overseas Direct Investment/Mergers and Acquisitions
Department : Foreign Exchange Department

Date Of Issue : 23 February, 2004

Meant For : The Chairman /CEOs of all State and Central Co-operative Banks

Circular Number : RBI/2004/69RPCD.CO.RF.BC.65/07.02.03/2003-04
Subject : Prudential guidelines on investment in non-SLR debt securities
Department : Rural Planning and Credit Department

Date Of Issue : 23 February, 2004

Meant For : The Chairman of all RRBs /Sponsor Banks

Circular Number : RBI/2004/70RPCD.CO.RRB.BC.66/03.05.34/2003-04
Subject : Prudential guidelines on investment in non-SLR debt securities
Department : Rural Planning and Credit Department

Date Of Issue : 23 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/63A.P.(DIR Series) Circular No.70
Subject : Exim Bank's Line of Credit of USD 10 million to ABSA Bank Ltd., South Africa
Department : Foreign Exchange Department

Date Of Issue : 20 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/64A.P.(DIR Series) Circular No.71
Subject : Export of Goods to Russia against Repayment of State Credits in Rupees – Payment of Agency Commission
Department : Foreign Exchange Department

Date Of Issue : 20 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/65A.P.(DIR Series) Circular No.72
Subject : Foreign Exchange Management Act, 1999 Import of Goods into India – Evidence of Import
Department : Foreign Exchange Department

Date Of Issue : 20 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/66A.P.(DIR Series) Circular No.73
Subject : Export of Goods by way of Gifts - Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 20 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/67A.P.(DIR Series) Circular No.74
Subject : FEMA 1999 - Grant of Loans by Indian Companies to the Employees of their Branches Outside India
Department : Foreign Exchange Department

Date Of Issue : 20 February, 2004

Meant For : The CEOs of the all-India Term Lending and Refinancing Institutions

Circular Number : RBI/2004/62DBS. FID. No. C-13 / 01.02.00 / 2003-04
Subject : Revised guidelines for compromise settlement of chronic Non Performing Assets (NPAs) up to Rs. 10 crore
Department : Department of Banking Supervision

Date Of Issue : 17 February, 2004

Meant For : All Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004/61DBOD.Leg.BC.70/09.07.005/2003-2004
Subject : Ad-hoc Committees on Procedures and Performance Audit on Customer Services in Banks
Department : Department of Banking Operations and Development

Date Of Issue : 17 February, 2004

Meant For : The Chairman/Managing Director All Indian Scheduled Commercial banks (Except RRBs)

Circular Number : RBI/2004/60RPCD.PLNFS.BC.No. 64 /09.04.01/2003-2004
Subject : Targets for achievement under the PMRY for the year 2003-2004 - reduction in the target - Himachal Pradesh
Department : Rural Planning and Credit Department

Date Of Issue : 16 February, 2004

Meant For : The Chief Executive Officers of all Scheduled Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/59UBD.No.OSS.SUB.Cir.3/18.00.00/2003-2004
Subject : Off-site Surveillance System for Primary (Urban) Co-operative Banks
Department : Urban Banks Department

Date Of Issue : 14 February, 2004

Meant For : All Scheduled Commercial Banks(excluding RRBs)

Circular Number : RBI/2004/56DBOD No. Dir.BC. 69/13.03.00/2003-04
Subject : Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and Non-Resident (External) (NRE) Accounts
Department : Department of Banking Operations and Development

Date Of Issue : 13 February, 2004

Meant For : All Clearing Houses managed by Reserve Bank of India / All Public Sector Banks managing clearing houses / All MICR Cheque Processing Centres

Circular Number : RBI/2004/57DIT(CO)No. H -1126/06.50.13/2003-2004
Subject : Amendment to Uniform Regulations and Rules for Bankers' Clearing Houses (URRBCH) – Addition of a new Regulation No. 25
Department : Department of Information Technology

Date Of Issue : 13 February, 2004

Meant For : The Chief Executive Officers All Agency Banks

Circular Number : RBI/2004/58DGBA.GAD.No. H-760/42.01.001/2003-04
Subject : Scheme for Collection of Dues of Central Board of Direct Taxes, Central Board of Excise and Customs, Departmentalised Ministries Account - Reporting and Accounting of March Transactions - Spe
Department : Department of Government and Bank Accounts

Date Of Issue : 13 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/55A.P.(DIR Series) Circular No.69
Subject : FEMA, 1999 - Grant of Rupee loan to NRIs - Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 12 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/54A.P.(DIR Series) Circular No.68
Subject : Export of Goods and Services – Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 11 February, 2004

Meant For : The Chief Executive Officers of all Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/52UBD No.BPD.PCB Cir. 33/09.11.00/2003-04
Subject : Maintenance of CSGL accounts
Department : Urban Banks Department

Date Of Issue : 11 February, 2004

Meant For : The Chief Executive Officers of all Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/53UBD. No. BPD.PCB.Cir. 34 /13.05.00/2003-04
Subject : Maximum Limit on advances – Limits on credit Exposure to Individual/group of borrowers - Computation of capital funds
Department : Urban Banks Department

Date Of Issue : 11 February, 2004

Meant For : All The Principal Secretaries, of the State Govts. /Union Territories (as per list attached)

Circular Number : RBI/2004/47IECD.No.3652/9.01.01/2003-04
Subject : Bank Credit for Public Procurement of Foodgrains – Rabi 2004 Season
Department : Industrial Export and Credit Department

Date Of Issue : 10 February, 2004

Meant For : All Non-Banking Financial Companies (NBFCs) and Residuary Non-Banking Companies

Circular Number : RBI/2004/51DNBS (PD) C.C. No. 35 / 10.24 / 2003-04
Subject : Entry of NBFCs into Insurance Business
Department : Department of Non Banking Supervision

Date Of Issue : 10 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/45A.P.(DIR Series) Circular No.66
Subject : FEMA 1999 - Imports into India – Direct Receipt of Import Bills/Documents - Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 06 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/46A.P.(DIR Series) Circular No.67
Subject : Clarification regarding Automatic Route for Residual Activities under Foreign Direct Investment (FDI)
Department : Foreign Exchange Department

Date Of Issue : 06 February, 2004

Meant For : All Commercial Banks (excluding RRBs)

Circular Number : RBI/2004/44DBOD No.Dir.BC.67/13.07.05/2003-04
Subject : Guidelines for bank finance to assist employees to buy shares of their own companies
Department : Department of Banking Operations and Development

Date Of Issue : 06 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/40DBOD. Ret. BC No. 65/12.06.110/2003-04
Subject : Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 - "The Oversea – Chinese Banking Corporation Limited."
Department : Department of Banking Operations and Development

Date Of Issue : 05 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/43A.P.(DIR Series) Circular No.65
Subject : Foreign Exchange Management Act, 1999 - Amendments to Foreign Exchange Management Regulations
Department : Foreign Exchange Department

Date Of Issue : 05 February, 2004

Meant For : Chairmen and Managing Directors of all Public Sector Banks

Circular Number : RBI/2004/42DBOD No. BP. BC 66 / 21.04.117/2003-2004
Subject : Revised guidelines for compromise settlement of chronic Non-Performing Assets (NPAs) of public sector banks upto Rs 10 crore
Department : Department of Banking Operations and Development

Date Of Issue : 05 February, 2004

Meant For : The CEOs of the all-India Term Lending and Refinancing Institutions

Circular Number : RBI/2004/41DBS.FID No. C- 12 /01.02.00/2003-04
Subject : Master Circular on Resource Raising Norms For The Financial Institutions
Department : Department of Banking Supervision

Date Of Issue : 05 February, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/39A.P.(DIR Series) Circular No.64.
Subject : Liberalised Remittance Scheme of USD 25,000 for Resident Individuals
Department : Foreign Exchange Department

Date Of Issue : 04 February, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/37A.P.(DIR Series) Circular No.63
Subject : Investment by International Financial Institutions in Govt. Securities
Department : Foreign Exchange Department

Date Of Issue : 03 February, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/38DBOD.No.PSBS.BC. 64 /16.13.100/2003-04
Subject : Guidelines for acknowledgement of transfer/allotment of shares in private sector banks
Department : Department of Banking Operations and Development

Date Of Issue : 03 February, 2004