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

Circular Number : RBI/2004-2005/73UBD.BPD(PCB)MC.No.3/13.01.00/2003-04
Subject : Master Circular on Maintenance of Deposit Accounts
Department : Urban Banks Department

Date Of Issue : 27 July, 2004

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

Circular Number : RBI/2004-2005/72DBS. FID. No. C-1/ 01.02.00 /2004-05
Subject : Annual Policy Statement for the year 2004-05 - Prudential Credit Exposure Limits by FIs
Department : Department of Banking Supervision

Date Of Issue : 26 July, 2004

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

Circular Number : RBI/2004-2005/71RPCD. Plan. BC. 10 / 04.09.01/ 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 : 26 July, 2004

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

Circular Number : RBI/2004-2005/70RPCD. Plan. BC. No. 9 /04.09.01/2004-05
Subject : Priority Sector Lending – Achievement of target/sub-targets
Department : Rural Planning and Credit Department

Date Of Issue : 26 July, 2004

Meant For : To all NBFCs registered as non-public deposits taking companies

Circular Number : RBI/2004-2005/69DNBS (PD) C.C. No. 42 / 02.59 / 2004-05
Subject : Section 45-IA of the RBI Act – Grant of CoR – Requirement of minimum NOF of Rs. 200 lakhs as an additional condition for allowing NBFCs registered in non-public deposit taking category to acc
Department : Department of Non Banking Supervision

Date Of Issue : 24 July, 2004

Meant For : Chief Executives of all Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/68DBOD No.Dir. BC.18/13.03.00/2004-05
Subject : Master Circular on Guarantees and Co-acceptances
Department : Department of Banking Operations and Development

Date Of Issue : 23 July, 2004

Meant For : To All Primary Dealers in Government Securities Market

Circular Number : RBI/2004-2005/67IDMD.PDRS. 02 /03.64.00/2004-05
Subject : Success Ratio in Treasury Bill auctions for Primary Dealers
Department : Internal Debt Management Department

Date Of Issue : 23 July, 2004

Meant For : To All Primary Dealers in Government Securities Market

Circular Number : RBI/2004-2005/66IDMD.PDRS. 01 /10.02.01/2004-05
Subject : Transactions in Government Securities
Department : Internal Debt Management Department

Date Of Issue : 23 July, 2004

Meant For : All Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/65DBOD No. FSC.BC. 17/24.91.001/2004-05
Subject : Participating in Bills Rediscounting Scheme as Lenders – Private Sector Mutual Funds
Department : Department of Banking Operations and Development

Date Of Issue : 23 July, 2004

Meant For : All Scheduled Commercial Banks and All Notified All-India Financial Institutions

Circular Number : RBI/2004-2005/63DBOD.No.DL.BC. 16 /20.16.003/2004-05
Subject : Checking of wilful defaults and measures against Wilful Defaulters
Department : Department of Banking Operations and Development

Date Of Issue : 23 July, 2004

Meant For : Chief Executives of all Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/62DBOD.FSC.No.15 /24.01.001/2004-05
Subject : Master Circular on Para-banking Activities
Department : Department of Banking Operations and Development

Date Of Issue : 22 July, 2004

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

Circular Number : RBI/2004-2005/61UBD. No. PCB. Cir. 5 / 16.20.00 / 2004-05
Subject : List of All India Financial Institutions
Department : Urban Banks Department

Date Of Issue : 22 July, 2004

Meant For : Chief Executives of all Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/60DBOD No. Dir. BC. 14 /13.03.00/2004-05
Subject : Master Circular on Exposure Norms
Department : Department of Banking Operations and Development

Date Of Issue : 21 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/59A.P.(DIR Series) Circular No.6
Subject : Foreign Exchange Management (Foreign Currency Accounts by a Person Resident in India) (First Amendment) Regulations, 2004 - A.P.(DIR Series) Circular No. 6
Department : Foreign Exchange Department

Date Of Issue : 20 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/58A.P.(DIR Series) Circular No.5
Subject : Indo-Sri Lanka Credit Agreement dated March 23, 2004 for USD 25 Million - A.P.(DIR Series) Circular No. 5
Department : Foreign Exchange Department

Date Of Issue : 20 July, 2004

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

Circular Number : RBI/2004-2005/56DBOD.IECS.No. 13 /04.02.02 (Gold Card)/2004-05
Subject : Gold Card Scheme for Exporters
Department : Department of Banking Operations and Development

Date Of Issue : 20 July, 2004

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

Circular Number : RBI/2004-2005/55RPCD. Plan. BC. No. 8 /04.09.01/2004-05
Subject : Investment by banks in Mortgage Backed Securities – Lending to Priority Sector under Housing Loans
Department : Rural Planning and Credit Department

Date Of Issue : 20 July, 2004

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

Circular Number : RBI/2004-2005/54RPCD. No. Plan. BC. 7 / 04.09.01/ 2004-05
Subject : Master Circular on Lending to Priority Sector
Department : Rural Planning and Credit Department

Date Of Issue : 20 July, 2004

Meant For : All Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/53DBOD No. BP. BC. 12 / 21.04.141 /2004-05
Subject : Master Circular- Prudential Norms on Capital Adequacy
Department : Department of Banking Operations and Development

Date Of Issue : 19 July, 2004

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

Circular Number : RBI/2004-2005/52RPCD .SP .BC .No 6 /09.16.01/2004.05
Subject : Swarna Jayanti Shahari Rozgar Yojana (SJSRY)- Administration/Adjustment of back-end subsidy Payment of interest on Subsidy Portion
Department : Rural Planning and Credit Department

Date Of Issue : 17 July, 2004

Meant For : All Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/51DBOD No. BP. BC. 11 / 21.04.141 /2004-05
Subject : Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by Banks
Department : Department of Banking Operations and Development

Date Of Issue : 17 July, 2004

Meant For : The Chief Executives of all Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/50DBOD No. BP. BC. 10 / 21.04.048 /2004-05
Subject : Master Circular – Prudential norms on Income Recognition,Asset Classification and Provisioning pertaining to Advances
Department : Department of Banking Operations and Development

Date Of Issue : 17 July, 2004

Meant For : The Chairman-cum-Managing Director of All Lead Banks

Circular Number : RBI/2004-2005/48RPCD.CO.LBS.BC. 5 /02.01.01/2004-05
Subject : Lead Bank Scheme-participation of Members of Parliament and Public Representatives in District Level Review Committee (DLRC) Meetings
Department : Rural Planning and Credit Department

Date Of Issue : 16 July, 2004

Meant For : All Commercial Banks (Excluding Regional Rural Banks)

Circular Number : RBI/2004-2005/47DBOD. Dir. BC. 9 /13.03.00/2004-05
Subject : Master Circular on 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 : 16 July, 2004

Meant For : All Commercial Banks (Excluding Regional Rural Banks)

Circular Number : RBI/2004-2005/42DBOD No. Dir. BC. 8 /13.03.00/2004-05
Subject : Master Circular of instructions relating to deposits held in FCNR(B) Accounts
Department : Department of Banking Operations and Development

Date Of Issue : 14 July, 2004

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

Circular Number : RBI/2004-2005/41UBD.No.BPD. 3 /16.05.00/2004-05
Subject : Second Schedule to RBI Act, 1934 - Norms for inclusion
Department : Urban Banks Department

Date Of Issue : 13 July, 2004

Meant For : The Chairman/Managing Director All State Co-operative Banks

Circular Number : RBI/2004-2005/39RPCD.CO.RF.BC.4/07.02.03/2003-04
Subject : Capital Investment Subsidy Scheme for construction/renovation/expansion of rural godowns
Department : Rural Planning and Credit Department

Date Of Issue : 13 July, 2004

Meant For : The Chairmen/Chief Executives of all Scheduled Banks (excluding RRBs and LABs)

Circular Number : RBI/2004-2005/38MPD. No.254/07.01.279/2004-05
Subject : Master Circular on Guidelines for Issue of Certificates of Deposit
Department : Monetary Policy Department

Date Of Issue : 12 July, 2004

Meant For : TAll State Co-operative Banks and Central Co-operative Banks

Circular Number : RBI/2004-2005/37RPCD.CO.RF.BC.No.3/07.37.02/2003-04
Subject : Prudential Norms on Income Recognition Asset Classification and Provisioning - Agricultural advances
Department : Rural Planning and Credit Department

Date Of Issue : 12 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/36A.P.(DIR Series) Circular No.4
Subject : Deferred Payment Protocols dated 30th April 1981 and 23rd December 1985 between the Government of India and erstwhile USSR - A.P.(DIR Series) Circular No. 4
Department : Foreign Exchange Department

Date Of Issue : 10 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/35A.P.(DIR Series) Circular No.3
Subject : Exim Bank's Line of Credit for USD 50 million to Government of Sudan - A.P.(DIR Series) Circular No. 3
Department : Foreign Exchange Department

Date Of Issue : 10 July, 2004

Meant For : The Chairman & Managing Director/ State Bank of India and its Associates Banks HDFC Bank Ltd. / UTI Bank Ltd.&& Stock Holding Corporation of India Ltd.

Circular Number : RBI/2004-2005/31CO.DT.No. 13.01.298/H.311-341/2004-05
Subject : 6.5% Savings Bonds, 2003 (Non Taxable)
Department : Department of Government and Bank Accounts

Date Of Issue : 09 July, 2004

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

Circular Number : RBI/2004-2005/30A.P.(DIR Series)Circular No.2
Subject : Import of Gold by (i) Export Oriented Units (EOUs), (ii) Units in SEZ/EPZ, and (iii) Nominated Agencies - A.P.(DIR Series) Circular No. 2
Department : Foreign Exchange Department

Date Of Issue : 09 July, 2004

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

Circular Number : RBI/2004-2005/29UBD.BPD. PCB. Cir. 02 /09.161.00/2004-05
Subject : "Know Your Customer" Guidelines-Compliance
Department : Urban Banks Department

Date Of Issue : 09 July, 2004

Meant For : The Chief Executives of all Scheduled Commercial Banks (Excluding RRBs)

Circular Number : RBI/2004-2005/27DBOD. Dir. BC. 6/13.03.00/2004-05
Subject : Master Circular - Interest Rates on Advances
Department : Department of Banking Operations and Development

Date Of Issue : 08 July, 2004

Meant For : All Scheduled Commercial Banks (Excluding RRBs and LABs)

Circular Number : RBI/2004-2005/26DBOD.No. BL.BC. 5 /22.01.001/2004
Subject : Section 23 of Banking Regulation Act, 1949 – Master Circular on Branch Licensing
Department : Department of Banking Operations and Development

Date Of Issue : 08 July, 2004

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

Circular Number : RBI/2004-2005/25RPCD. Plan. BC. 2 / 04.09.01/ 2004-05
Subject : Flow of Credit to Agriculture - Announcements made by the Union Finance Minister
Department : Rural Planning and Credit Department

Date Of Issue : 08 July, 2004

Meant For : To Residuary Non-Banking Companies (RNBCs)

Circular Number : RBI/2004-2005/22DNBS (PD) C.C. No. 41 / 10.27 / 2004-05
Subject : Issue of credit card
Department : Department of Non Banking Supervision

Date Of Issue : 07 July, 2004

Meant For : The Chief Executives of all Scheduled Commercial Banks and FIs

Circular Number : RBI/2004-2005/21DBOD. BP. BC. No. 3/21.01.002/2004-05
Subject : Prudential Norms on Capital Adequacy –Cross holding of capital among banks/ financial institutions
Department : Department of Banking Operations and Development

Date Of Issue : 06 July, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004-2005/20DBOD.Ret.BC.No. 2 /12.06.063/2004-05
Subject : Alteration in the name of bank in the Second Schedule to the Reserve Bank of India Act, 1934 - "Credit Agricole Indosuez" to "Calyon Bank"
Department : Department of Banking Operations and Development

Date Of Issue : 06 July, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004-2005/19DBOD. Ret. BC No. 1 /12.06.115/2004-05
Subject : Exclusion from the Second Schedule to the Reserve Bank of India Act, 1934 -“Credit Lyonnais”
Department : Department of Banking Operations and Development

Date Of Issue : 06 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/16A.P.(DIR Series) Circular No.1
Subject : Exim Bank's Line of Credit for USD 5 million to Government of Angola
Department : Foreign Exchange Department

Date Of Issue : 05 July, 2004

Meant For : Chairman and Managing Directors/Chief Executive Officers of All Commercial Bank

Circular Number : RBI/2004-2005/23DBOD.(IECS)No.47/03.27.25/2004-2005
Subject : Housing Finance
Department : Department of Banking Operations and Development

Date Of Issue : 03 July, 2004

Meant For : The Chairmen/Chief Executives of all Scheduled Commercial Banks (excluding RRBs) / Co-operative Banks / Primary Dealers/ Financial Institutions/ Insurance Companies/ Mutual Funds

Circular Number : RBI/2004-2005/14MPD. No.253 /07.01.279/2004-05
Subject : Master Circular on Call/Notice Money Market Operations
Department : Monetary Policy Department

Date Of Issue : 03 July, 2004

Meant For : The Chairmen/Chief Executives of all Scheduled Banks (excluding RRBs)

Circular Number : RBI/2004-2005/13MPD. No.252/07.01.279/2004-05
Subject : Master Circular on Export Credit Refinance Facility
Department : Monetary Policy Department

Date Of Issue : 03 July, 2004

Meant For : CMDs/CEOs of all Scheduled Banks

Circular Number : RBI/2004-2005/28DIT.CO.No. 1/09.63.36/2004-05
Subject : Cheque Truncation - Pilot Implementation
Department : Department of Information Technology

Date Of Issue : 01 July, 2004

Meant For : The Chairmen/Chief Executives of All Scheduled Banks, Primary Dealers and All-India Financial Institutions

Circular Number : RBI/2004-2005/10MPD. 251/07.01.279/2004-05
Subject : Master Circular on Guidelines for Issue of Commercial Paper
Department : Monetary Policy Department

Date Of Issue : 01 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/8Master Circular No. / 8/2004-05
Subject : Master Circular on Export of Goods and Services
Department : Foreign Exchange Department

Date Of Issue : 01 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/7Master Circular No. / 7/2004-05
Subject : Master Circular on Import of Goods and Services
Department : Foreign Exchange Department

Date Of Issue : 01 July, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004-2005/6Master Circular No. / 6/2004-05
Subject : Master Circular on Foreign Investments in India
Department : Foreign Exchange Department

Date Of Issue : 01 July, 2004