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Meant For : The Chairman & Managing Director of All Public Sector and Private Sector Banks

Circular Number : RBI/2005-2006/210DCM (NE) No. 4559/08.07.18/2002-03
Subject : Master Circular - Facility for Exchange of Notes and Coins
Department : Department of Currency Management

Date Of Issue : 18 November, 2005

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

Circular Number : RBI/2005-2006/209DGBA.GAD.No.H.5872/42.01.011/2005-06
Subject : Maintenance of Government Accounts – Interest on Delayed Remittances and Excess/Double Reimbursement
Department : Department of Government and Bank Accounts

Date Of Issue : 18 November, 2005

Meant For : All Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2005-2006/208DBOD No. Dir. 48/13.03.00/2005-06
Subject : SCBs - Interest Rate on Non-Resident (External) Rupee (NRE) Deposits
Department : Department of Banking Operations and Development

Date Of Issue : 17 November, 2005

Meant For : The Chairman and Managing Directors of all Scheduled Commercial Banks

Circular Number : RBI/2005-2006/207Ref. DPSS (CO) No.771/01.01.17/2005-2006
Subject : NEFT Live Run Starting from November 21, 2005
Department : Department of Payment and Settlement System

Date Of Issue : 16 November, 2005

Meant For : All Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2005-2006/204DBOD.No.Leg.BC. 44/09.07.005/2005-06
Subject : Financial Inclusion
Department : Department of Banking Operations and Development

Date Of Issue : 11 November, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/203A.P. (DIR Series) Circular No.16
Subject : Foreign Investment in Asset Reconstruction Companies
Department : Foreign Exchange Department

Date Of Issue : 11 November, 2005

Meant For : All Commercial Banks/Financial Institutions (excluding RRBs)

Circular Number : RBI/2005-2006/206DBOD.No.BP.BC. 45 / 21.04.132/ 2005-06
Subject : Revised Guidelines on Corporate Debt Restructuring (CDR) Mechanism
Department : Department of Banking Operations and Development

Date Of Issue : 10 November, 2005

Meant For : The Chairman/ Managing Director All Commercial Banks

Circular Number : RBI/2005-2006/205DBOD. BP. BC. No.46 / 21.04.132/ 2005-06
Subject : Debt restructuring mechanism for Small and Medium Enterprises (SMEs)
Department : Department of Banking Operations and Development

Date Of Issue : 10 November, 2005

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

Circular Number : RBI/2005-2006/202Ref.RPCD.LBS.BC.No.47/02.13.03/2005-06
Subject : Credit Deposit Ratio – Implementation of the Recommendations of Expert Group on CD Ratio
Department : Rural Planning and Credit Department

Date Of Issue : 09 November, 2005

Meant For : All Regional Rural Banks

Circular Number : RBI/2005-2006/201RPCD CO.RRB.No.BC.46/03.05.34/2005-06
Subject : General Provisioning Requirement for Standard Advances Increased
Department : Rural Planning and Credit Department

Date Of Issue : 08 November, 2005

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

Circular Number : RBI/2005-2006/200BPD.(PCB).MC.No. 12 /09.06.000/2005-06
Subject : Master Circular on Inspection & Audit Systems in Primary (Urban) Co-op. Banks
Department : Urban Banks Department

Date Of Issue : 08 November, 2005

Meant For : All Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2005-2006/198DBOD.NO.BP. BC.40/ 21.04.048/ 2005-06
Subject : Mid-Term Review of Annual Policy Statement for the year 2005-06: Additional Provisioning Requirement for Standard Assets
Department : Department of Banking Operations and Development

Date Of Issue : 04 November, 2005

Meant For : All Banks Authorised to deal in Foreign Exchange

Circular Number : RBI/2005-2006/197A.P.(DIR Series) Circular No.15
Subject : External Commercial Borrowings (ECB)
Department : Foreign Exchange Department

Date Of Issue : 04 November, 2005

Meant For : The Chairmen and CEOs of all Scheduled Commercial Banks

Circular Number : RBI/2005-2006/196DBOD.No.IBD.BC. 663 /23.67.001/2005-06
Subject : Advances against Gold Ornaments and Jewellery
Department : Department of Banking Operations and Development

Date Of Issue : 02 November, 2005

Meant For : All Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2005-2006/195DBOD Dir (Exp).BC.No.41/04.02.01/2005-06
Subject : Rupee Export Credit Interest Rates
Department : Department of Banking Operations and Development

Date Of Issue : 02 November, 2005

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2005-2006/194Ref.No.MPD.BC.276/07.01.279/2005-06
Subject : Interest Rate Ceiling on Rupee Export Credit
Department : Monetary Policy Department

Date Of Issue : 28 October, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/191A.P.(DIR Series) Circular No.14
Subject : Exim Bank's Line of Credit of USD 50 Million to The Government of the Republic of Chad
Department : Foreign Exchange Department

Date Of Issue : 27 October, 2005

Meant For : All deposit taking NBFCs (including RNBCs)

Circular Number : RBI/2005-2006/190DNBS (PD) C.C. No.59 /03.10.42/2005-06
Subject : Frauds – Future approach towards monitoring of frauds in NBFCs
Department : Department of Non Banking Supervision

Date Of Issue : 26 October, 2005

Meant For : All Scheduled Banks (excluding Regional Rural Banks (RRBs)) and Primary Dealers

Circular Number : RBI/2005-2006/192REF:No.MPD.BC.275/07.01.279/2005-06
Subject : Standing Liquidity Facilities for Banks and Primary Dealers (PDs)
Department : Monetary Policy Department

Date Of Issue : 25 October, 2005

Meant For : All Scheduled Commercial Banks (excluding RRBs) and Primary Dealers

Circular Number : RBI/2005-2006/189FMD.No.1 /01.01.01/2005-06
Subject : Liquidity Adjustment Facility – Repo and Reverse Repo Rates
Department : Monetary Policy Department

Date Of Issue : 25 October, 2005

Meant For : The Chairman/Chairman and Managing Director All Agency Banks including Jammu and Kashmir Bank Ltd.

Circular Number : RBI/2005-2006/188DGBA. GAD. No.H-412/42.01.034/2005-06
Subject : OLTAS – Drop Box facility for Direct Tax Challans
Department : Department of Government and Bank Accounts

Date Of Issue : 25 October, 2005

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

Circular Number : RBI/2005-2006/186UBD(PCB)/BPD/Cir.15 /09.72.000 /2005-06
Subject : Donations/Contributions for public/charitable purposes out of profits of UCBs
Department : Urban Banks Department

Date Of Issue : 20 October, 2005

Meant For : The Chairman/Chairman and Managing Director All Agency Banks includingJammu and Kashmir Bank Ltd.

Circular Number : RBI/2005-2006/185DGBA. GAD. No. H- 4141/42.01.001/ 2005-06
Subject : New Major Head for Securities Transaction Tax- Clarification
Department : Department of Government and Bank Accounts

Date Of Issue : 20 October, 2005

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

Circular Number : RBI/2005-2006/182RPCD.SP.BC. 45 /CLCC/09.01.01/2005-06
Subject : Banks advised to improve Performance under SGSY
Department : Rural Planning and Credit Department

Date Of Issue : 18 October, 2005

Meant For : Chairmen / CEOs of all the banks participating in Electronic Clearing Services

Circular Number : RBI/2005-2006/181Ref. DPSS (CO) No.590/01.01.15/2005
Subject : Electronic Clearing Service
Department : Department of Payment and Settlement System

Date Of Issue : 17 October, 2005

Meant For : The Chairman All Scheduled Commercial Banks

Circular Number : RBI/2005-2006/180DBOD.No.BP.BC.39/ 21.04.118/2004-05
Subject : Guidance Note on Management of Operational Risk
Department : Department of Banking Operations and Development

Date Of Issue : 15 October, 2005

Meant For : All deposit taking NBFCs( excluding RNBCs)

Circular Number : RBI/2005-2006/179DNBS(PD)/ CC No. 58/ 10.42 /2005-06
Subject : NBFCs advised to apply KYC Norms to their Brokers/Agents
Department : Department of Non Banking Supervision

Date Of Issue : 11 October, 2005

Meant For : All State Co-operative Banks (SCBs) and District Central Co-operative Banks (DCCBs)

Circular Number : RBI/2005-2006/178RPCD.CO.RF.BC.No. 44 / 07.38.03 / 2005-06
Subject : Co-operative Banks advised to disclose additional information in their Balance Sheets
Department : Rural Planning and Credit Department

Date Of Issue : 10 October, 2005

Meant For : All Commercial Banks (excluding RRBs)

Circular Number : RBI/2005-2006/177DBOD. No. BP.BC. 38/21.04.141/2005-06
Subject : Investment Fluctuation Reserve
Department : Department of Banking Operations and Development

Date Of Issue : 10 October, 2005

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

Circular Number : RBI/2005-2006/176RPCD. PLFS. BC. No.43/05.04.02/ 2005-06
Subject : Guidelines for relief measures by banks in areas hit by earthquake in Jammu & Kashmir and other parts of North India
Department : Rural Planning and Credit Department

Date Of Issue : 09 October, 2005

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

Circular Number : RBI/2005-2006/175UBD.PCB.CIR.No.14/13.05.000/05-06
Subject : Loans and Advances to Directors of UCBs
Department : Urban Banks Department

Date Of Issue : 06 October, 2005

Meant For : Chairman & Managing Director/Managing Director All Agency Banks

Circular Number : RBI/2005-2006/174DGBA. GAD. No.H 3095/41.07.001/2005-06
Subject : Providing E-payment Facilities to Tax Payers
Department : Department of Government and Bank Accounts

Date Of Issue : 06 October, 2005

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

Circular Number : RBI/2005-2006/172RPCD. PLFS. BC.No. 42 / 05.02.02/ 2005-06
Subject : Advisory Committee on Flow of Credit
Department : Rural Planning and Credit Department

Date Of Issue : 01 October, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/08Master Circular No. / 08 /2005-06
Subject : Master Circular- Export of Goods and Services
Department : Department of Banking Operations and Development

Date Of Issue : 01 October, 2005

Meant For : The Chairman/Managing Director, All Commercial/Co-operative Banks/RRBs/Private Banks/Foreign Banks &Director of Treasuries of all States

Circular Number : RBI/2005-2006/173DCM.(FNVD) No.G.15/16.01.01/2005-06
Subject : Detection and Impounding of Counterfeit Banknotes- Updated Master Circular (2005)
Department : Department of Currency Management

Date Of Issue : 30 September, 2005

Meant For : The Chairman & Managing Director/ Chief Executive Officer (All Banks having Currency Chests), Directors of Treasuries (State Governments as per list enclosed)

Circular Number : RBI/2005-2006/171DCM(CC)No.G - 16 /03.35.01/2005-06
Subject : Master Circular-Levy of Penal Interest for Delayed Reporting / Wrong Reporting / Non- Reporting of Currency Chest Transactions and Cases involving Shortages/Inclusion of Counterfeit Banknote
Department : Department of Currency Management

Date Of Issue : 30 September, 2005

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

Circular Number : RBI/2005-2006/170UBD(PCB). Cir 13/09.09.01/2005-06
Subject : UCBs - List of Reserved Items for Exclusive Manufacture by SSIs amended
Department : Urban Banks Department

Date Of Issue : 29 September, 2005

Meant For : All Regional Rural Banks

Circular Number : RBI/2005-2006/169RPCD.RRB.CO.No.BC.41/03.05.33/2005-06
Subject : RRBs advised to submit Bank Statements of Golden Forests (India) Ltd
Department : Rural Planning and Credit Department

Date Of Issue : 28 September, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/168A.P.(DIR Series) Circular No.13
Subject : Import of Aircraft on Operating Lease - Security Deposits
Department : Foreign Exchange Department

Date Of Issue : 27 September, 2005

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

Circular Number : RBI/2005-2006/166RPCD.CO.RF.BC 40/07.02.03/2005-06
Subject : SCCBs/DCCBs - Non-SLR Investments
Department : Rural Planning and Credit Department

Date Of Issue : 21 September, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/165A.P.(DIR Series) Circular No.12
Subject : Exim Bank's Line of Credit to BMCE Bank, Morocco
Department : Foreign Exchange Department

Date Of Issue : 19 September, 2005

Meant For : Chairmen of All State Co-operative Banks

Circular Number : RBI/2005-2006/164RPCD.CO.RF.BC.No. 2 / 07.06.00/2005-06
Subject : SSCBs permitted to undertake Co-branded Domestic Credit Card Business
Department : Rural Planning and Credit Department

Date Of Issue : 17 September, 2005

Meant For : The Chief Executives of all commercial banks (Excluding RRBs), and Financial Institutions

Circular Number : RBI/2005-2006/163DBS. .FrMC. BC. No.. 1 /23.04.001/2005-06
Subject : Master Circular - Frauds – Classification and Reporting
Department : Department of Banking Supervision

Date Of Issue : 09 September, 2005

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2005-2006/162DBOD.Ret.BC.No. 37/12.06.100/2005-06
Subject : IDBI Bank Ltd. excluded from the Second Schedule of the RBI Act, 1934
Department : Department of Banking Operations and Development

Date Of Issue : 09 September, 2005

Meant For : The Chairmen and CEOs of all Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2005-2006/161DBOD.No. BL.BC. 36 /22.01.001/2005
Subject : Master Circular on Branch Authorisation
Department : Department of Banking Operations and Development

Date Of Issue : 08 September, 2005

Meant For : The Chairmen and CEOs of all Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2005-2006/160DBOD. No.BL.BC.35 / 22.01.001/ 2005-06
Subject : Liberalised Branch Authorisation Policy
Department : Department of Banking Operations and Development

Date Of Issue : 08 September, 2005

Meant For : The Chairman/ Managing Director All Commercial Banks

Circular Number : RBI/2005-2006/159DBOD. BP. BC. No. 34 / 21.04.132/ 2005-06
Subject : Debt Restructuring Mechanism for SMEs
Department : Department of Banking Operations and Development

Date Of Issue : 08 September, 2005

Meant For : All Agency Banks

Circular Number : RBI/2005-2006/158DGBA.GAD.No. H- 852 /42.01.034/2005-06
Subject : Master Circular – Collection of Direct Taxes- OLTAS
Department : Department of Government and Bank Accounts

Date Of Issue : 06 September, 2005

Meant For : All NBFCs not accepting/holding public deposits

Circular Number : RBI/2005-2006/157DNBS (RID) C.C. No. 57/02.05.15/2005-06
Subject : NBFCs not Accepting/Holding Public Deposits to submit Monthly Returns
Department : Department of Non Banking Supervision

Date Of Issue : 06 September, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2005-2006/156Circular No.11
Subject : FCCBs and Ordinary Shares [Through Depository Receipt Mechanism] Scheme, 1993 Amended
Department : Foreign Exchange Department

Date Of Issue : 05 September, 2005