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Meant For : All Scheduled Commercial Banks(Excluding RRBs)

Circular Number : RBI/2004-2005/424DBOD.No.Leg.BC. 78 /09.07.005/2004-05
Subject : Committee on Procedures and Performance Audit of Public Services (CPPAPS) - Standing Committee on Customer Service
Department : Department of Banking Operations and Development

Date Of Issue : 16 April, 2005

Meant For : The Chief Executive Officers of All Primary(Urban) Co-operative banks

Circular Number : RBI/2004-2005/423UBD.DS. Cir.No.44/13.05.00/2004-05
Subject : Maximum Limit on advances-Limits on credit exposure to individuals /Group of borrowers-UCBs
Department : Urban Banks Department

Date Of Issue : 15 April, 2005

Meant For : All Chairmen / Managing Directors / Chief Executive Officers of all Scheduled Commercial Banks

Circular Number : RBI/2004-2005/420DBS.CO.IS Audit.No. 19/31.02.03/2004-05
Subject : Operational Risk Management - Business Continuity Planning
Department : Department of Information Technology

Date Of Issue : 15 April, 2005

Meant For : All Scheduled Banks

Circular Number : RBI/2004-2005/422REF: NO. MPD.BC. 261/07.01.279/2004-05
Subject : Reporting of Commercial Paper (CP) Issuance on NDS Platform
Department : Monetary Policy Department

Date Of Issue : 13 April, 2005

Meant For : The Chairman and Managing Director All Scheduled Commercial Banks (Except RRBs)

Circular Number : RBI/2004-2005/421RPCD.SP.BC.No. 94 /09.01.01/2004-05
Subject : Interest rates to be charged on group loans under Swarnjayanti Gram Swarozgar Yojana (SGSY)
Department : Rural Planning and Credit Department

Date Of Issue : 13 April, 2005

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

Circular Number : RBI/2004-2005/419Ref.No.RPCD.CO.LBS.(SAA).BC No.93/08.01.00/2004-05
Subject : Rural Lending – Annual Credit Plans based on the Potential Linked Plans (PLPs) prepared by NABARD
Department : Rural Planning and Credit Department

Date Of Issue : 11 April, 2005

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

Circular Number : RBI/2004-2005/418UBD(PCB). / BPD/Cir. 43 / 09.72.00 /2004-05
Subject : Donations / Contributions for public /charitable purposes out of profits of UCBs
Department : Urban Banks Department

Date Of Issue : 11 April, 2005

Meant For : The Chairmen & Chief Executive of all commercial banks

Circular Number : RBI/2004-2005/417DIT (CO) No. 255/09.63.99/2004
Subject : Provision for compensation for delayed credit – ECS / EFT / SEFT
Department : Department of Information Technology

Date Of Issue : 11 April, 2005

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

Circular Number : RBI/2004-2005/416RPCD.PLNFS.BC.No. 92 /09.04.01/ 2004–2005
Subject : PMRY – Cut Off Date for lapsing of sanction for cases sanctioned for the Programme year 2004-05 in Andaman & Nicobar Island
Department : Rural Planning and Credit Department

Date Of Issue : 08 April, 2005

Meant For : The Chairman / Managing Director/ Chief Executive Officer (All Domestic Scheduled Commercial Banks)

Circular Number : RBI/2004-2005/414RPCD. Plan. BC. 91 /04.09.42/2004-05
Subject : Rural Infrastructure Development Fund (RIDF) – Rates of Interest in respect of disbursed amounts of RIDF IV to VII
Department : Rural Planning and Credit Department

Date Of Issue : 07 April, 2005

Meant For : The Chief Executive Officer All Agency Banks(As per list)

Circular Number : RBI/2004-2005/413DGBA.GAD.NO.H-5312/42.01.034/2004-05
Subject : Accounting of past data in On-line Tax Accounting System(OLTAS) and Accounting of March Residual
Department : Department of Government and Bank Accounts

Date Of Issue : 04 April, 2005

Meant For : The Chairman and Managing Director / Managing Director State Bank of India and its Associates / All Public Sector Banks /Jammu & Kashmir Bank Ltd.

Circular Number : RBI/2004-2005/411DGBA.GAD.No. H- 5287/42.01.034/2004-05
Subject : On-line Tax Accounting System (OLTAS) - Accounting Procedure relating to crediting of CBDT collections to Govt. Account
Department : Department of Government and Bank Accounts

Date Of Issue : 01 April, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2004-2005/402A.P. (DIR Series) Circular No. 38
Subject : Liberalised Remittance Scheme of USD 25,000 for Resident Individuals
Department : Foreign Exchange Department

Date Of Issue : 31 March, 2005

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

Circular Number : RBI/2004-2005/410UBD(PCB).Cir.42/09.140.00/2004-05
Subject : Prudential Norms in respect of Income Recognition, Assets Classification, Provisioning and other related Matters-Procedure for accounting of accrued interest-UCBs
Department : Urban Banks Department

Date Of Issue : 30 March, 2005

Meant For : The Chairman/ Managing Director/Chief Executive Officer (All scheduled commercial banks)

Circular Number : RBI/2004-2005/408RPCD.PLFS.BC.No. 89/05.02.02/2004-05
Subject : The Advisory Committee on Flow of Credit to Agriculture and Related Activities from the Banking System
Department : Rural Planning and Credit Department

Date Of Issue : 30 March, 2005

Meant For : Finance Secretaries of the State Government

Circular Number : RBI/2004-2005/407IDMD. No 11 /08.12.00/2004-05
Subject : Extension of the Scheme of Non-Competitive Bidding Facility to 182-Day Treasury Bills
Department : Internal Debt Management Department

Date Of Issue : 30 March, 2005

Meant For : The Chairmen and CEOs of all banks

Circular Number : RBI/2004-2005/405DIT(CO). 2403 /09.63.99/2005
Subject : Outsourcing of IT systems – Fraud involving a Software Supplier
Department : Department of Information Technology

Date Of Issue : 29 March, 2005

Meant For : All NDS Members

Circular Number : RBI/2004-2005/404IDMD .CLS. No 10/08.01.02/2004-05
Subject : Conduct of Dated Government Securities Auction under PMO module of PDO-NDS- Preparedness
Department : Internal Debt Management Department

Date Of Issue : 29 March, 2005

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

Circular Number : RBI/2004-2005/403UBD(PCB). Cir.41/16.20.00/2004-05
Subject : Investment portfolio of Urban Co-operative Banks (UCBs) - Classification and Valuation of Investments
Department : Urban Banks Department

Date Of Issue : 28 March, 2005

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

Circular Number : RBI/2004-2005/401RPCD.PLNFS.BC.No. 88/09.04.01/ 2004 –2005
Subject : PMRY -Credit Flow to Unorganized Sector
Department : Rural Planning and Credit Department

Date Of Issue : 22 March, 2005

Meant For : The Chairman/Chairman & Managing Director/Managing Director State Bank of India & its Associate Banks All Public Sector Banks Jammu & Kashmir Bank Ltd.HDFC Bank Ltd./ICICI Bank Ltd. UTI Bank Ltd./IDBI Bank Ltd.

Circular Number : RBI/2004-2005/400DGBA.GAD.No.H-5164/42.01.029/2003-04
Subject : Annual Closing of Accounts - Receipt of all Central /State Government Taxes (Direct/Indirect) – Arrangements for the Current Financial Year (2004-05)
Department : Department of Government and Bank Accounts

Date Of Issue : 22 March, 2005

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004-2005/399DBOD.Ret.BC.No. 77/12.06.092/2004-05
Subject : Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934- The Global Trust Bank Limited
Department : Department of Banking Operations and Development

Date Of Issue : 22 March, 2005

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/397Master Circular No.9/2004-05
Subject : Master Circular – Non-Resident Ordinary Rupee (NRO) Account
Department : Foreign Exchange Department

Date Of Issue : 19 March, 2005

Meant For : The Chairman & Managing Directors / CEOs of scheduled commercial banks (excluding RRBs),scheduled primary (urban) co-operative banks and Primary Dealers

Circular Number : RBI/2004-2005/396DPSS (CO) Cir. No.1 / 10.01.01 / 2004-2005
Subject : Constitution of the Department of Payment and Settlement Systems (DPSS)
Department : Department of Payment and Settlement System

Date Of Issue : 17 March, 2005

Meant For : All Scheduled Commercial Banks (except RRBs)

Circular Number : RBI/2004-2005/395DBOD No.BP.BC.76 /21.04.018/2004-05
Subject : Guidelines on compliance with Accounting Standard (AS) 11(revised 2003) ‘The Effects of Changes in Foreign Exchange Rates’
Department : Department of Banking Operations and Development

Date Of Issue : 15 March, 2005

Meant For : All banks authorised to deal in foreign exchange

Circular Number : RBI/2004-2005/394A.P.(DIR Series) Circular No.37
Subject : Operations in Non-Resident External (NRE)/Foreign Currency Non-resident (Bank) (FCNR (B)) Accounts by the Resident Power of Attorney Holder
Department : Foreign Exchange Department

Date Of Issue : 15 March, 2005

Meant For : CMDs/CEOs of all Scheduled Banks

Circular Number : RBI/2004-2005/393Ref DIT.CO.No. 2218 /09.63.36/2004-2005
Subject : Cheque Truncation - Pilot Implementation-Image Standards
Department : Department of Information Technology

Date Of Issue : 11 March, 2005

Meant For : The Chairman All Lead Banks

Circular Number : RBI/2004-2005/392RPCD.LBS.BC. 87 /02.01.01/2004-05
Subject : Lead Bank Scheme-Allocation of Lead Bank responsibility in respect of Anantnag, Budgam Pulwama and Srinagar districts in Jammu & Kashmir
Department : Rural Planning and Credit Department

Date Of Issue : 07 March, 2005

Meant For : To All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2004-2005/391A.P.(DIR Series) Circular No.36
Subject : Exim Bank's Line of Credit of USD 15 million to Government of Senega
Department : Foreign Exchange Department

Date Of Issue : 07 March, 2005

Meant For : The Chairman All Lead Banks

Circular Number : RBI/2004-2005/390RPCD.CO.LBS.BC.No. 86 /02.01.01/2004-05
Subject : Formation of new districts in Nagaland – Assignment of Lead Bank responsibility
Department : Rural Planning and Credit Department

Date Of Issue : 07 March, 2005

Meant For : The Chairman All Lead Banks

Circular Number : RBI/2004-2005/389RPCD.CO.LBS.BC.No.85 /02.01.01/2004-05
Subject : Formation of a new district in Arunachal Pradesh –Assignment of Lead Bank responsibility
Department : Rural Planning and Credit Department

Date Of Issue : 07 March, 2005

Meant For : The Chairman & CEOs of all scheduled commercial banks (excluding RRBs)

Circular Number : RBI/2004-2005/388DBOD.AML.BC. No.74 /14.01.055/ 2004-05
Subject : Master Circular - Receipt of Foreign Donations by Associations/Organisations
Department : Department of Banking Operations and Development

Date Of Issue : 05 March, 2005

Meant For : The Chief Executive Officers All Agency Banks(As per list enclosed)

Circular Number : RBI/2004-2005/387DGBA.GAD.No.H.4785/42.01.001/2004-05
Subject : Scheme for Collection of Dues of (i) Central Board of Direct Taxes (ii)Central Board of Excise and Customs (iii) Departmentalised Ministries Account -Reporting and Accounting of March Transac
Department : Department of Government and Bank Accounts

Date Of Issue : 05 March, 2005

Meant For : The Chairman/ Chief Executive of all Commercial banks

Circular Number : RBI/2004-2005/386DBOD. Dir (Exp). No.73 / 04.02.02/Gold Card/2004-05
Subject : Gold Card Scheme for Exporters
Department : Department of Banking Operations and Development

Date Of Issue : 04 March, 2005

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

Circular Number : RBI/2004-2005/385RPCD.No.Plan.BC. 84 /04.09.22/2004-05
Subject : Submitting progress report under micro credit
Department : Rural Planning and Credit Department

Date Of Issue : 03 March, 2005

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

Circular Number : RBI/2004-2005/384MPD.No.2524/09.01.01(FC)/2004-05
Subject : Credit for Procurement of Foodgrains - Rabi 2005 Season
Department : Monetary Policy Department

Date Of Issue : 03 March, 2005

Meant For : To Chairmen / CEOs of all Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/383DBOD.No.BP.BC. 72/21.04.018/2004-05
Subject : Disclosures on risk exposures in derivatives
Department : Department of Banking Operations and Development

Date Of Issue : 03 March, 2005

Meant For : The Chief Executive Officers of All Primary (Urban) Co-operative banks

Circular Number : RBI/2004-2005/381UBD(PCB).CIR.40/16.45.00/2004 -2005
Subject : Enhancement of transparency on bank’s affairs through disclosures-UCBs
Department : Urban Banks Department

Date Of Issue : 01 March, 2005

Meant For : The Chairman/ Managing Director/ Chief Executive Officer All scheduled commercial banks (including Regional Rural Banks/Local Area Banks)

Circular Number : RBI/2004-2005/380RPCD.PLNFS. BC. No.83/ 06.02.31/ 2004-05
Subject : Master Circular on Lending to Small Scale Industries Sector
Department : Rural Planning and Credit Department

Date Of Issue : 01 March, 2005

Meant For : All State Co-operative Banks and District Central Co-operative Banks

Circular Number : RBI/2004-2005/379RPCD.RF.BC.No.82/07.37.02/2004-05
Subject : Annual Policy Statement for the year 2004-05: Additional Provisioning Requirement for NPAs
Department : Rural Planning and Credit Department

Date Of Issue : 01 March, 2005

Meant For : The Chairmen and Chief Executive Officers, all Scheduled Commercial Banks

Circular Number : RBI/2004-2005/377DBOD.No.BP.BC.71/21.01.01/2004-05
Subject : Roadmap for presence of Foreign Banks in India and Ownership and Governance in Private Sector banks
Department : Department of Banking Operations and Development

Date Of Issue : 28 February, 2005

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

Circular Number : RBI/2004-2005/376BPD.( PCB).No. 38 / 09.105.01 / 2004-05
Subject : Issue of Master Circulars on important topics
Department : Urban Banks Department

Date Of Issue : 26 February, 2005

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

Circular Number : RBI/2004-2005/375UBD.BPD.( PCB).No.37 /12.05.01/ 2004-05
Subject : Investment Portfolio of Banks- Reporting System
Department : Urban Banks Department

Date Of Issue : 26 February, 2005

Meant For : The Chairman & Managing Director State Bank of India and Associate Banks 17 Nationalised Banks ICICI Bank Ltd., HDFC Bank Ltd., UTI Bank Ltd., IDBI Bank Ltd. Stock Holding Corporation of India Ltd.

Circular Number : RBI/2004-2005/374Ref. DGBA CO DT No. 13.01.299 / H- / 2004-05
Subject : Investments in 8 % Savings (Taxable) Bonds, 2003 - deviations from stipulations of GOI Notifications regarding eligibility criteria
Department : Department of Government and Bank Accounts

Date Of Issue : 22 February, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2004-2005/373A.P.(DIR Series) Circular No.35
Subject : Exim Bank's Line of Credit of USD 5 million to Government of Lesotho
Department : Foreign Exchange Department

Date Of Issue : 22 February, 2005

Meant For : The Chairman / Managing Director, All Banks having currency chests.

Circular Number : RBI/2004-2005/372DCM(NPD) No. 402 /09.39.00/2004-05
Subject : Clean Note Policy - Sorting of banknotes
Department : Department of Currency Management

Date Of Issue : 22 February, 2005

Meant For : All Non-Banking Financial Companies, Miscellaneous Non-Banking Companies, and Residuary Non-Banking Companies

Circular Number : RBI/2004-2005/371DNBS(PD). CC 48 /10.42/2004-05
Subject : NBFCs/MNBCs/RNBCs - KYC Guidelines/Anti-Money Laundering Standards
Department : Department of Non Banking Supervision

Date Of Issue : 21 February, 2005

Meant For : The Chairman & Managing Director, State Bank of India & Associate Banks & 17 Nationalised Banks The Managing Director ICICI/IDBI/HDFC/UTI Bank Ltd. & SHCIL

Circular Number : RBI/2004-2005/370CO.DT.13.01.299/H7400-7429/2004-05
Subject : Balances of Relief/Savings Bonds Scheme- Uniform Procedure
Department : Others

Date Of Issue : 19 February, 2005

Meant For : The Chairmen of all Regional Rural Banks

Circular Number : RBI/2004-2005/369RPCD..NO.RRB..BC.81/03.05.33(E)/2004-05
Subject : RRBs - 'Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards
Department : Rural Planning and Credit Department

Date Of Issue : 18 February, 2005

Meant For : The Chief Executives of All State and District Central Co-operative Banks

Circular Number : RBI/2004-2005/368RPCD.AML.BC.NO.80 /07.40.00/2004-05
Subject : SCCBs/DCCBs - 'Know Your Customer' (KYC) Guidelines – Anti Money Laundering Standards
Department : Rural Planning and Credit Department

Date Of Issue : 18 February, 2005