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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

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

Circular Number : RBI/2004-2005/367UBD.BPD(PCB).MC.No. 16 /16.20.00/2004-05
Subject : Master Circular on Investments by Primary (Urban) Co-operative Banks
Department : Urban Banks Department

Date Of Issue : 18 February, 2005

Meant For : All Scheduled Commercial Banks which are Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/366A.P.(DIR Series) Circular No.34
Subject : Import of Gold on Loan Basis – Tenor of Loan and Opening of Stand-By Letter of Credit
Department : Foreign Exchange Department

Date Of Issue : 18 February, 2005

Meant For : The Chairman / Managing Director,(All Lead Banks as per mailing list)

Circular Number : RBI/2004-2005/365RPCD.LBS.BC.No. /02.01.01/2004-05
Subject : Change in assignment of Lead Bank resposibility in some of the districts in State of Manipur
Department : Rural Planning and Credit Department

Date Of Issue : 17 February, 2005

Meant For : Chairmen of all State Cooperative Banks / District Central Cooperative Banks

Circular Number : RBI/2004-2005/364RPCD.CO.NB. BC.No. 78 /03.03.116/2004-05
Subject : Entry of State Cooperative Banks (SCBs) / District Central Cooperative Banks into insurance business
Department : Rural Planning and Credit Department

Date Of Issue : 17 February, 2005

Meant For : The CEOs of the all-India Term-lending and Refinancing Institutions (Exim Bank, IDFC Ltd., IFCI Ltd., IIBI Ltd., NABARD, NHB, SIDBI and TFCI Ltd.)

Circular Number : RBI/2004-2005/362Ref.No.DBS. FID. No. C - 9 /01.02.00/2004-05
Subject : FI's to obtain Certificates / authentication from Statutory Central Auditors
Department : Department of Banking Supervision

Date Of Issue : 11 February, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2004-2005/361A.P.(DIR Series) Circular No.33
Subject : Deferred Payment Protocols between the Government of India and erstwhile USSR
Department : Foreign Exchange Department

Date Of Issue : 09 February, 2005

Meant For : All Banks Authorised to Deal in Foreign Exchange

Circular Number : RBI/2004-2005/360A.P.(DIR Series) Circular No.32
Subject : Overseas Direct Investment – Liberalisation
Department : Foreign Exchange Department

Date Of Issue : 09 February, 2005

Meant For : All Non-Banking Financial Companies (NBFCs) accepting/holding public deposits

Circular Number : RBI/2004-2005/359DNBS (PD) C.C. No. 47 /02.01/ 2004-05
Subject : Cover for ‘public deposits’
Department : Department of Non Banking Supervision

Date Of Issue : 07 February, 2005

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004-2005/358DBOD.Ret.BC.No. 70 /12.06.090/2004-05
Subject : Alteration in the name of bank in the Second Schedule to the Reserve Bank of India Act, 1934 -"JP Morgan Chase Bank" to "JP Morgan Chase Bank, National Association"
Department : Department of Banking Operations and Development

Date Of Issue : 04 February, 2005

Meant For : All Scheduled Commercial Banks (Except Regional Rural Banks)

Circular Number : RBI/2004-2005/356DBS.CO.PP.BC. 17/11.01.005/2004-05
Subject : Implementation of Risk-based internal audit (RBIA) in banks
Department : Department of Banking Supervision

Date Of Issue : 01 February, 2005

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/355A.P.(DIR Series) Circular No.31
Subject : Compounding of Contraventions under FEMA 1999
Department : Foreign Exchange Department

Date Of Issue : 01 February, 2005

Meant For : All Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/353DBOD. No. Dir. BC. 69/13.07.05/2004-05
Subject : Advances against units of debt-oriented Mutual Funds
Department : Department of Banking Operations and Development

Date Of Issue : 31 January, 2005

Meant For : The Chairman/Managing Director/Chief Executive Officer,(All Indian Private Sector Banks)

Circular Number : RBI/2004-2005/352ANo. RPCD.LBS.BC. 76/02.01.01/2004-05
Subject : Participation in various fora under Lead Bank Scheme
Department : Rural Planning and Credit Department

Date Of Issue : 28 January, 2005

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

Circular Number : RBI/2004-2005/351BPD.PCB.Dir. 35/09.112.00/2004-05
Subject : Entry of UCBs into insurance business
Department : Urban Banks Department

Date Of Issue : 24 January, 2005

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

Circular Number : RBI/2004-2005/350RPCD.CO.RF.BC 74/07.37.02/2004-05
Subject : Income recognition, asset classification, provisioning and other related matters - State Government guaranteed advances
Department : Rural Planning and Credit Department

Date Of Issue : 20 January, 2005

Meant For : The Chief Executives All Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/349Ref. DBS.CO.PP.BC 16 /11.01.005/2004-05
Subject : Banks need not send safe custody certificate for specimen signatures to RBI
Department : Department of Banking Supervision

Date Of Issue : 19 January, 2005

Meant For : The Chairman & Managing Director, All Public/Private Sector banks

Circular Number : RBI/2004-2005/348DCM (RMMT) No.1403/11.37.01/2004-05
Subject : Non-acceptance of coins by bank branches
Department : Department of Currency Management

Date Of Issue : 19 January, 2005

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

Circular Number : RBI/2004-2005/347No.CO.DT.13.01.299/H.6284-6313 /2004-05
Subject : Payment Order for Matured Relief/Savings Bonds in the name of the Joint Holder
Department : Department of Government and Bank Accounts

Date Of Issue : 15 January, 2005

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

Circular Number : RBI/2004-2005/346RPCD/PLNFS/BC. No. 73 /06.02.31/2004-05
Subject : Changes in the list of reserved items for exclusive manufacture in the Small Scale Sector
Department : Rural Planning and Credit Department

Date Of Issue : 15 January, 2005

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

Circular Number : RBI/2004-2005/343RPCD/PLNFS/BC. No. 72 /06.02.31/2004-05
Subject : Enhancement in SSI Investment Limit in respect of Sports Goods
Department : Rural Planning and Credit Department

Date Of Issue : 12 January, 2005

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

Circular Number : RBI/2004-2005/339UBD (PCB).Cir. 34/16.51.00/2004-05
Subject : UCBs to use Names as appearing in Certificate of Registration and Licence
Department : Urban Banks Department

Date Of Issue : 10 January, 2005

Meant For : The Chairman/ Managing Director/ Chief Executive Officer [All scheduled commercial banks (excluding Regional Rural Banks)]

Circular Number : RBI/2004-2005/338RPCD. No. PLFS. BC.71 / 05.04.02/ 2004-05
Subject : Master Circular - Guidelines for Relief Measures by Banks in areas affected by Natural Calamities
Department : Rural Planning and Credit Department

Date Of Issue : 07 January, 2005

Meant For : All Regional Rural Banks

Circular Number : RBI/2004-2005/337RPCD.No. RRB.BC.70/03.05.33(C)/2004-05
Subject : Receipt of Foreign Contribution under FC(R) Act : Regional Rural banks
Department : Rural Planning and Credit Department

Date Of Issue : 07 January, 2005

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

Circular Number : RBI/2004-2005/336RPCD.No. RF.BC.69 /07.38.01/2004-05
Subject : Receipt of Foreign Contribution under FC(R) Act : All State and District Central Co-operative Banks
Department : Rural Planning and Credit Department

Date Of Issue : 07 January, 2005

Meant For : The Chairman and Managing Director / Chief Executive Officer (All banks having currency chests)

Circular Number : RBI/2004-2005/340DCM (CC) No. G. 35 /03.02.01/2004-05
Subject : Detection of Forged Notes in Chest Remittances
Department : Department of Currency Management

Date Of Issue : 06 January, 2005

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

Circular Number : RBI/2004-2005/330UBD. PCB.Cir. 33 /09.116.00/2004-05
Subject : Risk Weight on Housing Finance and Consumer Credit- UCBs
Department : Urban Banks Department

Date Of Issue : 05 January, 2005

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

Circular Number : RBI/2004-2005/329UBD. PCB. Cir.No.32/12.05.00/2004-05
Subject : Receipt of Foreign Contribution under FC(R) Act : UCBs
Department : Urban Banks Department

Date Of Issue : 05 January, 2005

Meant For : All scheduled commercial banks (except RRBs)

Circular Number : RBI/2004-2005/327DBOD.No. BP.BC. 67/14.01.055/2004-05
Subject : Receipt of Foreign Contribution under FC(R) Act : SCBs
Department : Department of Banking Operations and Development

Date Of Issue : 04 January, 2005

Meant For : The Chairman and Managing Directors 27 Public Sector bank

Circular Number : RBI/2004-2005/325DIT (KK) H 2049 to 2073/03324305/2004-05
Subject : Return on Computerisation - Merger of Technological Upgradation Report with the Biannual Report
Department : Department of Information Technology

Date Of Issue : 31 December, 2004

Meant For : The Chairman / Chief Executives of all Commercial Banks

Circular Number : RBI/2004-2005/324DBOD. IECS. No. 66 / 04.02.02/ 2004-05
Subject : Foreign Currency loans to Exporters-Periodicity of charging interest
Department : Department of Banking Operations and Development

Date Of Issue : 31 December, 2004

Meant For : All Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/323DBS.CO.PP.BC. 12 /11.01.005/2004-05
Subject : Rationalisation of returns submitted by banks to RBI
Department : Department of Banking Supervision

Date Of Issue : 30 December, 2004

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

Circular Number : RBI/2004-2005/322RPCD. No. PLFS. BC 68 /05.04.02/ 2004-05
Subject : Guidelines for relief measures by banks in areas affected by natural calamities
Department : Rural Planning and Credit Department

Date Of Issue : 30 December, 2004

Meant For : Residuary Non-Banking Companies (RNBCs)

Circular Number : RBI/2004-2005/320DNBS (PD) CC.No.46/02.02(RNBC)/2004-05
Subject : Road Map for Residuary Non-Banking Companies
Department : Department of Non Banking Supervision

Date Of Issue : 30 December, 2004

Meant For : All Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/319DBOD. No. Dir. BC.65 /13.01.01/2004-05
Subject : Contribution to Prime Minister's National Relief Fund (PMNRF)
Department : Department of Banking Operations and Development

Date Of Issue : 29 December, 2004

Meant For : Chairmen / Chief Executive Officers, All Scheduled Commercial Banks (excl. RRBs)

Circular Number : RBI/2004-2005/318DBS. CO. OSMOS. BC. No. 11 /33.01.001/2004-05
Subject : Off-site Monitoring and Surveillance - Input Module Upgraded
Department : Department of Banking Supervision

Date Of Issue : 28 December, 2004

Meant For : All Commercial Banks (excluding RRBs)

Circular Number : RBI/2004-2005/317DBOD.No. Dir.BC.64/13.07.05/2004-05
Subject : Bank financing of equities and investments in shares
Department : Department of Banking Operations and Development

Date Of Issue : 27 December, 2004

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

Circular Number : RBI/2004-2005/316RPCD.PLNFS.BC. No. 67 / 09.04.01 /2004-2005
Subject : Target for achievement for the year 2004-05 under PMRY for Arunachal Pradesh - enhanced
Department : Rural Planning and Credit Department

Date Of Issue : 27 December, 2004

Meant For : Currency Chest maintaining Banks as per list.

Circular Number : RBI/2004-2005/315DCM (Plg) No.G-31 /10.03.00/2004-05
Subject : Non-acceptance of coins
Department : Department of Currency Management

Date Of Issue : 27 December, 2004

Meant For : The Chairman/Managing Director All Agency Banks (As per list)

Circular Number : RBI/2004-2005/314DGBA.GAD.NO.H- 2852/42.01.0.34/2004-05
Subject : On-line Tax Accounting System (OLTAS) - Discrepancy in the Challan Data Transmitted to Tax Information Network (TIN) and Physical Challan Sent to Zonal Accounts Office ( ZAO)
Department : Department of Government and Bank Accounts

Date Of Issue : 27 December, 2004