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

Circular Number : RBI/2004/221OSS.PCB.Cir.47/18.00.00/2003-2004
Subject : Off-site Surveillance System for Primary (Urban) Co-operative Banks
Department : Urban Banks Department

Date Of Issue : 26 May, 2004

Meant For : All-India Financial Institutions, Insurance Companies and select Mutual Funds

Circular Number : RBI/2004/206MPD. BC.250/07.01.279/ 2003-04
Subject : Moving Towards Pure Inter-Bank Call/Notice Money Market
Department : Monetary Policy Department

Date Of Issue : 25 May, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/219A.P.(DIR Series) Circular No.93
Subject : Foreign Exchange Management Regulations, 2000 - Housing Loan in Rupees to NRIs/PIO - A.P.(DIR Series) Circular No. 93
Department : Foreign Exchange Department

Date Of Issue : 25 May, 2004

Meant For : All Regional Rural Banks/Sponsor Banks

Circular Number : RBI/2004/218RPCD.RRB.No.BC.88 /03.05.34/2003-04
Subject : Review of Non-Public Business Working Day (NPBWD) observed by rural branches of Regional Rural Banks(RRBs)
Department : Rural Planning and Credit Department

Date Of Issue : 25 May, 2004

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

Circular Number : RBI/2004/214UBD. No. BPD. 47 /12.05.10(WA)/ 2003-04
Subject : Loan against house property
Department : Urban Banks Department

Date Of Issue : 24 May, 2004

Meant For : The Chairman and Managing Director/Managing Director,State Bank of India & its Associates, All Nationalised Banks

Circular Number : RBI/2004/213DGBA.GAD.No.H- 1169 /42.01.034/2003-04
Subject : Accounting Procedure Relating to On-Line Tax Accounting System (OLTAS) - Clarifications
Department : Department of Government and Bank Accounts

Date Of Issue : 22 May, 2004

Meant For : The Chairman and Managing Director/Managing Director,State Bank of India & its Associates, All Nationalised Banks

Circular Number : RBI/2004/212RPCD.RRB.No.BL.BC. 84 /03.05.90 -A/2003-04
Subject : Master Circular on Branch Licensing - Regional Rural Banks (RRBs)
Department : Rural Planning and Credit Department

Date Of Issue : 21 May, 2004

Meant For : The Chairman, All Regional Rural Banks/Sponsor Banks

Circular Number : RBI/2004/209RPCD.RRB.BC.No.83/03.05.34/2003-04
Subject : Valuation of investment in SLR/Approved Securities by RRBs
Department : Rural Planning and Credit Department

Date Of Issue : 20 May, 2004

Meant For : To Chairman / CEOs of all Scheduled Commercial banks

Circular Number : RBI/2004/211DIT(CO).Cir.11 /09.63.99/2004
Subject : Electronic Funds Transfer (EFT) Scheme and Electronic Clearing Service (ECS) – Processing Charges
Department : Department of Information Technology

Date Of Issue : 20 May, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/208A.P.(DIR Series) Circular No.92
Subject : Exim Bank's Line of Credit for USD 8 million to Republic Bank, Trinidad and Tabago - A.P.(DIR Series) Circular No.92
Department : Foreign Exchange Department

Date Of Issue : 19 May, 2004

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

Circular Number : RBI/2004/205DBOD No. Dir.BC. 86 /13.07.05/2003-04
Subject : Bank financing of equities and investments in shares
Department : Department of Banking Operations and Development

Date Of Issue : 18 May, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/203IECD No. 12 /04.02.02/Gold Card/2003-04
Subject : Gold Card Scheme for exporters
Department : Industrial Export and Credit Department

Date Of Issue : 18 May, 2004

Meant For : The Chairmen/Chief Executives of all commercial banks

Circular Number : RBI/2004/204IECD No.13 /04.02.01/2003-04
Subject : Export Credit Interest Rates for Gold Card holder exporters
Department : Industrial Export and Credit Department

Date Of Issue : 18 May, 2004

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

Circular Number : RBI/2004/215RPCD. Plan. BC. No. 85 /04.09.01/2003-04
Subject : Flow of Credit to Agriculture - Loans for Storage Facilities
Department : Rural Planning and Credit Department

Date Of Issue : 18 May, 2004

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

Circular Number : RBI/2004/216RPCD. Plan. BC. No. 86 /04.09.01/2003-04
Subject : Flow of Credit to Agriculture - Investment by Banks in Securitised Assets
Department : Rural Planning and Credit Department

Date Of Issue : 18 May, 2004

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

Circular Number : RBI/2004/217RPCD. Plan. BC. No. 87 /04.09.01/2003-04
Subject : Credit Flow to Agriculture - Agricultural Loans – Waiver of Margin/Security Requirements
Department : Rural Planning and Credit Department

Date Of Issue : 18 May, 2004

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

Circular Number : RBI/2004/202DNBS (PD) CC No. 37 / 02.02 / 2003-04
Subject : Collection of interest on SLR securities
Department : Department of Non Banking Supervision

Date Of Issue : 17 May, 2004

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

Circular Number : RBI/2004/200DBOD.No.Leg.BC.84 /09.07.005/2003-04
Subject : Opening of Current Accounts by banks - Need for discipline
Department : Department of Banking Operations and Development

Date Of Issue : 15 May, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/198A.P.(DIR Series) Circular No. 91
Subject : Exim Bank's Line of Credit for USD 10 million to Banque Ouest Africaine De Developpement - A.P.(DIR Series) Circular No.91
Department : Foreign Exchange Department

Date Of Issue : 14 May, 2004

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

Circular Number : RBI/2004/197CO.DT.No.13.01.299/H.6707/2003-04
Subject : 6.5% Savings (Non-Taxable) Bonds, 2003 & 8% Savings (Taxable) Bonds 2003 issue and servicing - Penalties for infringement of Customer’s Rights
Department : Department of Government and Bank Accounts

Date Of Issue : 14 May, 2004

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

Circular Number : RBI/2004/195DBOD.AML.BC.NO.83/ 14.01.001/ 2003-2004
Subject : Customer information
Department : Department of Banking Operations and Development

Date Of Issue : 12 May, 2004

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

Circular Number : RBI/2004/196RPCD.CO.RF.BC. No. 81 /07.38.01/2003-04
Subject : Interest rates on Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts)
Department : Rural Planning and Credit Department

Date Of Issue : 12 May, 2004

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

Circular Number : RBI/2004/194RPCD.SP.BC. No. 80 /09.16.01/2003-04
Subject : Bad /doubtful loans under SJSRY – Adjustment of subsidy amount
Department : Rural Planning and Credit Department

Date Of Issue : 08 May, 2004

Meant For : The Chairman / Managing Director / Chief Executive Officers of all scheduled banks

Circular Number : RBI/2004/189D.O.DCM (NE) No. 497/08.01.06/2003-04
Subject : Committee on Procedures and Performance Audit on Public Services (CPPAPS)
Department : Department of Currency Management

Date Of Issue : 08 May, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/188A.P.(DIR Series) Circular No. 90
Subject : Acquisition of Foreign Securities by Resident Individuals under ESOP Scheme - A.P. (DIR Series) Circular No.90
Department : Foreign Exchange Department

Date Of Issue : 03 May, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/187DBOD No.BP.BC. 82 /21.04.018/2003-04
Subject : Guidelines on compliance with Accounting Standards (AS) by banks
Department : Department of Banking Operations and Development

Date Of Issue : 30 April, 2004

Meant For : The Chairman and Managing Directors State Bank of India and Associate banks / 17 Nationalised banks

Circular Number : RBI/2004/186DGBA CO DT No. 13.01.299 /H.6375/2003-2004
Subject : Standardised application form for investments in Savings Bonds along with the Duties and Rights of Customers
Department : Department of Government and Bank Accounts

Date Of Issue : 30 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/191DBS.CO.OSMOS.BC/ 11 /33.01.029/2003-04
Subject : Information System Audit - A review of Policies and Practices
Department : Department of Banking Supervision

Date Of Issue : 30 April, 2004

Meant For : The Regional Director/Officer-in-Charge, Reserve Bank of India (All RBI Offices)

Circular Number : RBI/2004/185RPCD.LBS.ROC.78/02.01.01/2003-04
Subject : Lead Bank Scheme – Allotment of Districts to Lead District Officers
Department : Rural Planning and Credit Department

Date Of Issue : 30 April, 2004

Meant For : The Chairman & Managing Director/Managing Director All Agency Banks (as per list enclosed)

Circular Number : RBI/2004/184DGBA.GAD.No.H-1114/42.01.034/2003-04
Subject : Implementation of On-line Tax Accounting System with effect from June 1, 2004
Department : Department of Government and Bank Accounts

Date Of Issue : 29 April, 2004

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

Circular Number : RBI/2004/182BPD.SUB. CIR. 5 /09.80.00/2003-04
Subject : Transactions in Government Securities
Department : Urban Banks Department

Date Of Issue : 28 April, 2004

Meant For : The Chairmen/Chief Executives of all commercial banks

Circular Number : RBI/2004/178IECD.IRD.No. 11 /06.33.01/2003-04
Subject : Half- yearly Reporting system in respect of SSI sick and non-SSI sick/weak industrial units
Department : Industrial Export and Credit Department

Date Of Issue : 27 April, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/179A.P.(DIR Series) Circular No. 89
Subject : Foreign Exchange Management (Deposit) Regulations, 2000 - Acceptance of Deposits - Revised Guidelines - A.P. (DIR Series) Circular No.89
Department : Foreign Exchange Department

Date Of Issue : 24 April, 2004

Meant For : The Chairmen/Chief Executives of all commercial banks

Circular Number : RBI/2004/180IECD No.10 /04.02.01/2003-04
Subject : Rupee Export Credit Interest Rates
Department : Industrial Export and Credit Department

Date Of Issue : 24 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/177MPD.No. 248 /07.01.279/2003-04
Subject : Interest Rate Ceiling on Rupee Export Credit
Department : Monetary Policy Department

Date Of Issue : 23 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/176DBOD.NO.BP.BC.80/ 21.02.067/2003-04
Subject : Declaration of dividends by banks
Department : Department of Banking Operations and Development

Date Of Issue : 23 April, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/174A.P.(DIR Series) Circular No.88
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. 88
Department : Foreign Exchange Department

Date Of Issue : 22 April, 2004

Meant For : The Chairman and Managing Directors State Bank of India and Associate banks / 17 Nationalised banks

Circular Number : RBI/2004/181DGBA CO DT No. 13.01.299 / H-6252 / 2003-2004
Subject : Standardised application form for investments in Savings Bonds along with the Duties and Rights of Customers
Department : Department of Government and Bank Accounts

Date Of Issue : 22 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/175DBOD.No. Dir. BC. 78/13.03.00/2003-04
Subject : Committee on Procedures and Performances Audit on Public Services – Report No. III – Banking Operations : Deposit Accounts & Other Facilities relating to Individuals (Non-business)
Department : Department of Banking Operations and Development

Date Of Issue : 22 April, 2004

Meant For : All Treasury Offices in India

Circular Number : RBI/2004/170DGBA/CDD/13-01-299/ H-6103 / 2003-04
Subject : Master Circular on Nomination facilities for Relief / Savings Bond Holders
Department : Department of Government and Bank Accounts

Date Of Issue : 21 April, 2004

Meant For : All Treasury Offices in India

Circular Number : RBI/2004/169DGBA/CDD/13-01-299/ H-6103 /2003-04
Subject : Master Circular on Appointment & delisting of Brokers for Relief / Savings Bonds
Department : Department of Government and Bank Accounts

Date Of Issue : 21 April, 2004

Meant For : All Treasury Offices in India

Circular Number : RBI/2004/171DGBA/CDD/13-01-299/ H-6104 /2003-04
Subject : Master Circular on Rates of Brokerage etc. for Relief / Savings Bonds
Department : Department of Government and Bank Accounts

Date Of Issue : 21 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/108DBOD.BP.BC.77 /21.04.012/ 2003-04
Subject : Relaxation to Trade and Industry in the State of Jammu and Kashmir
Department : Department of Banking Operations and Development

Date Of Issue : 21 April, 2004

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

Circular Number : RBI/2004/164DNBS (PD) CC. No. 36 / 02.01 / 2003-04
Subject : Non-Banking Financial Companies, Miscellaneous Non-Banking Companies and Residuary Non-Banking Companies - Interest rate on NRI deposits
Department : Department of Non Banking Supervision

Date Of Issue : 20 April, 2004

Meant For : All Scheduled Commercial Banks, LABs and RRBs

Circular Number : RBI/2004/161DBS.ARS.No. B.C. 09 /08.91.001/2003-04
Subject : Appointment of statutory auditors in banks – obtention of declaration of indebtedness
Department : Department of Banking Supervision

Date Of Issue : 20 April, 2004

Meant For : The Managing Director, Associate Banks of SBI

Circular Number : RBI/2004/163DBS.ARS.No.BC. 10 / 08.92.001/ 2003-04
Subject : Appointment of Statutory Central Auditors of Associate Banks of SBI - Payment of fees for certifying data for the preparation of CFS of SBI Group
Department : Department of Banking Supervision

Date Of Issue : 20 April, 2004

Meant For : All Indian Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004/156RPCD.PLNFS.BC. 75 /09.04.01/2003-04
Subject : Implementation of PMRY - Targets for achievement 2004-2005
Department : Rural Planning and Credit Department

Date Of Issue : 19 April, 2004

Meant For : All Treasury Offices in India

Circular Number : RBI/2004/159Ref.No.CO.DT.13.01.319/H- 5975 /2003-04
Subject : Repayment of 12.35 per cent Government Stock, 2004 on May 24, 2004
Department : Department of Government and Bank Accounts

Date Of Issue : 19 April, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/151DBOD. No. Dir. BC.76/13.01.09/2003-04
Subject : Interest rates on Deposits under Non Resident (External) Rupee Account (NRE Accounts)
Department : Department of Banking Operations and Development

Date Of Issue : 17 April, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/153A.P.(DIR Series) Circular No..86.
Subject : FEMA 1999 – Current Account Transactions – Remittance for maintenance of close relatives abroad- Requests of Indian Nationals on deputation to India from Overseas Companies - A.P (DIR Series)
Department : Foreign Exchange Department

Date Of Issue : 17 April, 2004