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Meant For : All Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/270UBD.BPD.PCB. Cir. 53 /13.05.00/2003-04
Subject : Annual Policy Statement for the year 2004-05 : Prudential Norms for Agricultural Advances
Department : Urban Banks Department

Date Of Issue : 30 June, 2004

Meant For : All Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/272UBD.BPD.PCB.Cir. 55/12.05.05/ 2003-2004
Subject : Annual Policy Statement for the year 2004-05 : Additional Provisioning Requirement for NPAs
Department : Urban Banks Department

Date Of Issue : 30 June, 2004

Meant For : All Primary (Urban) Co-operative Banks

Circular Number : RBI/2004/271UBD.PCB.Cir. 54 /13.04.00/2003-04
Subject : In the Supreme Court of India - Transfer case( Civil) Nos. 92-95 of 2002 - Mardia Chemicals Ltd. vs Union of India & Others - Decision of the Supreme Court dated April 8, 2004 Regarding valid
Department : Urban Banks Department

Date Of Issue : 30 June, 2004

Meant For : All Scheduled Commercial Banks

Circular Number : RBI/2004/275DBOD No. FSC.BC. 106/24.01.019/2003-04
Subject : Issue of Smart/Debit Cards
Department : Department of Banking Operations and Development

Date Of Issue : 30 June, 2004

Meant For : The Chairman and Managing Directors/ Chief Executive Officers of All Commercial Banks / Financial Institutions

Circular Number : RBI/2004/274IECD.No.14/01.01.43/2003-04
Subject : Merger of functions of Industrial and Export Credit Department of Reserve Bank of India with its other Departments
Department : Industrial Export and Credit Department

Date Of Issue : 30 June, 2004

Meant For : To All the State Governments and Union Territories (as per list attached)

Circular Number : RBI/2004/273Ref:IECD.5615/09.01.01/2003-04
Subject : Food Credit Arrangements
Department : Industrial Export and Credit Department

Date Of Issue : 30 June, 2004

Meant For : The Chairmen and Managing Directors / Chief Executive Officers of banks in private sector

Circular Number : RBI/2004/268DBOD.No.BC.105/08.139.001/2003-04
Subject : Fit and proper criteria for directors of banks
Department : Department of Banking Operations and Development

Date Of Issue : 25 June, 2004

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

Circular Number : RBI/2004-2005/266RPCD. No. Plan. BC. 92 / 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 : 24 June, 2004

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

Circular Number : RBI/2004/264DBOD.BP.BC. 102 / 21.04.048/ 2003-04
Subject : Annual Policy Statement for the year 2004-05 – Prudential Norms for Agricultural Advances
Department : Department of Banking Operations and Development

Date Of Issue : 24 June, 2004

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

Circular Number : RBI/2004/263DBOD.No.BP.BC. 103 / 21.04.151/2003-04
Subject : Guidelines on Capital Charge for Market risks
Department : Department of Banking Operations and Development

Date Of Issue : 24 June, 2004

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

Circular Number : RBI/2004/262DNBS (PD) CC.No. 40 /02.01/2003-04
Subject : Maintenance of directed investments by RNBCs
Department : Department of Non Banking Supervision

Date Of Issue : 22 June, 2004

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

Circular Number : RBI/2004/259DBOD.AML.BC.No.101/14.01.001/2003-04
Subject : Guidelines on KYC Norms - Existing Accounts
Department : Department of Banking Operations and Development

Date Of Issue : 21 June, 2004

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

Circular Number : RBI/2004/260DBOD.NO.BP.BC.100/ 21.03.054/2003-04
Subject : Annual Policy Statement for the year 2004-05 - Prudential Credit Exposure Limits by Banks
Department : Department of Banking Operations and Development

Date Of Issue : 21 June, 2004

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

Circular Number : RBI/2004/261DBOD.No.BP.BC. 99 /21.04.048/ 2003-2004
Subject : Annual Policy Statement for the year 2004-05 : Additional Provisioning Requirement for NPAs
Department : Department of Banking Operations and Development

Date Of Issue : 21 June, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/258A.P.(DIR Series) Circular No.97
Subject : Foreign Exchange Management Act, 1999 - A.P.(DIR Series) Circular No. 97
Department : Foreign Exchange Department

Date Of Issue : 21 June, 2004

Meant For : All Treasury Offices in India (Except in the State of Jammu & Kashmir and Sikkim) / The Chief Managers of the branches of State Bank of India and its associate banks conducting Govt. treasury business

Circular Number : RBI/2004/257No. CO.DT. 13.04.147/H. 7462 /2003-04
Subject : Repayment of 11.95 per cent Government Stock, 2004 on July 24, 2004
Department : Department of Government and Bank Accounts

Date Of Issue : 18 June, 2004

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

Circular Number : RBI/2004/256DGBA.GAD.No H-1246 /31.12.010/2003-04
Subject : Payment of Turnover Commission - Pension Work
Department : Department of Government and Bank Accounts

Date Of Issue : 18 June, 2004

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

Circular Number : RBI/2004/255DBOD.No.Ret.BC. 98 / 12.01.001 /2003-04
Subject : Section 42 of the RBI Act, 1934 – Revision of procedure for payment of interest on the eligible CRR balances on monthly basis
Department : Department of Banking Operations and Development

Date Of Issue : 18 June, 2004

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

Circular Number : RBI/2004/253DBOD. BP.BC. 96 / 21.04.103/ 2003-04
Subject : Annual Policy Statement for the year 2004-05 - Country Risk Management Guidelines
Department : Department of Banking Operations and Development

Date Of Issue : 17 June, 2004

Meant For : All Scheduled Commercial Banks (excluding RRBs) and All Notified All-India Financial Institutions

Circular Number : RBI/2004/220DBOD.No. DL.BC.94/20.16.003/2003-04
Subject : Annual Policy Statement: 2004-05 - Wilful Defaulters – Clarification on Process
Department : Department of Banking Operations and Development

Date Of Issue : 17 June, 2004

Meant For : All Scheduled Commercial Banks (excluding RRBs) and Notified All-India Financial Institutions and State Financial Corporations

Circular Number : RBI/2004/226DBOD No. DL.BC.95/20.16.002/2003-04
Subject : Annual Policy Statement for the year 2004-05 – Dissemination of credit information – Role of CIBIL
Department : Department of Banking Operations and Development

Date Of Issue : 17 June, 2004

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

Circular Number : RBI/2004/252DBOB.No.Leg.BC.93 /09.07.005/2003-04
Subject : Ad hoc Committees on Procedures and Performance Audit on Customer Services in Banks
Department : Department of Banking Operations and Development

Date Of Issue : 17 June, 2004

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

Circular Number : RBI/2004/254DBOD No.BP.BC.No. 97 /21.04.141/2003-04
Subject : Annual Policy Statement for the year 2004-05 - Prudential Guidelines on Unsecured Exposures
Department : Department of Banking Operations and Development

Date Of Issue : 17 June, 2004

Meant For : The Chairman/Managing Director, All Pension Paying Banks (As per list)

Circular Number : RBI/2004/251DGBA GAD.No.H.1174/45.02.001/2003-04
Subject : Holding Back of Defence Money by Banks
Department : Department of Government and Bank Accounts

Date Of Issue : 16 June, 2004

Meant For : The General Manager Government Accounts Department (14 Nationalised Banks, State Bank of India & its 7 Associate Banks)

Circular Number : RBI/2004/250CO.DT.No.15.02.001/H.7376 /2003-04
Subject : Public Provident Fund 1968 - Payment of Turnover Commission on interest liability as on 31st March each year
Department : Department of Government and Bank Accounts

Date Of Issue : 16 June, 2004

Meant For : The CEOs of the all-India Term Lending and Refinancing Institutions

Circular Number : RBI/2004/247DBS. FID. No. C- 15 / 01.02.00 / 2003-04
Subject : Risk Weight for Exposure to Public Financial Institutions (PFIs)
Department : Department of Banking Supervision

Date Of Issue : 15 June, 2004

Meant For : All Scheduled Commercial Banks (excluding RRBs)

Circular Number : RBI/2004/243DBS.CO.PP.BC 13 /11.01.005/2003-04
Subject : Prompt Corrective Action (PCA)
Department : Department of Banking Supervision

Date Of Issue : 15 June, 2004

Meant For : The Chairman and Managing Director / Managing Director/State Bank of India and its Associates / All Public Sector Banks

Circular Number : RBI/2004/249DNBS (PD) CC.No.39 /02.01/2003-04
Subject : Amendment to Prudential Norms for NBFCs/RNBCs
Department : Department of Non Banking Supervision

Date Of Issue : 15 June, 2004

Meant For : The General Manager State Bank of India & Associate Banks & 7 Nationalized Banks The Managing Director ICICI / IDBI / HDFC / UTI Bank Ltd. & SHCIL

Circular Number : RBI/2004/244CO.DT.13.01.299/H.7295 /2003-04
Subject : Reconciliation of Relief / Savings Bond – Appendix IV Statements
Department : Department of Government and Bank Accounts

Date Of Issue : 15 June, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/246A.P.(DIR Series) Circular No. 96
Subject : Exchange Earner's Foreign Currency (EEFC) Account Scheme - Liberalisation - A.P.(DIR Series) Circular No. 96
Department : Foreign Exchange Department

Date Of Issue : 15 June, 2004

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

Circular Number : RBI/2004/245DBOD No. BP. BC. No.91/21.01.002/2003-04
Subject : Annual Policy Statement for the year 2004-05 - Risk Weight for Exposure to Public Financial Institutions (PFIs)
Department : Department of Banking Operations and Development

Date Of Issue : 15 June, 2004

Meant For : All Non-Banking Financial Companies Including Residuary Non-Banking Companies

Circular Number : RBI/2004/241DNBS (PD) CC No. 38 /02.02/2003-04
Subject : Transactions in Government Securities
Department : Department of Non Banking Supervision

Date Of Issue : 11 June, 2004

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

Circular Number : RBI/2004/236DBOD No. BP. BC. 90 /21.01.002/ 2003-04
Subject : Annual Policy Statement for the year 2004-05 -Issue of Long-term Bonds by Banks
Department : Department of Banking Operations and Development

Date Of Issue : 11 June, 2004

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

Circular Number : RBI/2004/234DGBA.GAD.No.H-1244/42.01.011/2003-04
Subject : Maintenance of Government Accounts –Interest on Delayed Remittances and Excess/Double Reimbursement
Department : Department of Government and Bank Accounts

Date Of Issue : 10 June, 2004

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

Circular Number : RBI/2004/239DGBA.GAD.No. H-1224 /42.01.034/2003-04
Subject : Implementation of On-line Tax Accounting System (OLTAS) with effect from June 1, 2004 - Use of Challan Form - Clarifications
Department : Department of Government and Bank Accounts

Date Of Issue : 09 June, 2004

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

Circular Number : RBI/2004/237DBOD.BP.BC. 89/21.02.043/2003-04
Subject : Amalgamation/Merger of Non-Banking Finance Companies with Banks
Department : Department of Banking Operations and Development

Date Of Issue : 09 June, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/238A.P.(DIR Series) Circular No. 95
Subject : Exim Bank's Line of Credit for USD 10 million to Bank TuranAlem, Kazakhstan - A.P.(DIR Series) Circular No. 95
Department : Foreign Exchange Department

Date Of Issue : 09 June, 2004

Meant For : All Authorised Dealers in Foreign Exchange

Circular Number : RBI/2004/233A.P.(DIR Series) Circular No.94
Subject : Exchange Earners' Foreign Currency (EEFC) Account Scheme – Trade Related Loans/Advances - A.P.(DIR Series) Circular No. 94
Department : Foreign Exchange Department

Date Of Issue : 07 June, 2004

Meant For : All Clearing Houses managed by RBI, SBI, Associate Banks & Public Sector Banks

Circular Number : RBI/2004/230DIT(CO). 2314/06.15.39/2003-2004
Subject : Master Circular on Debiting Clearing Settlement Accounts of member banks towards transactions not related with clearing or on unilateral basis
Department : Department of Information Technology

Date Of Issue : 05 June, 2004

Meant For : All Clearing Houses managed by RBI, SBI, Associate Banks & Public Sector Banks

Circular Number : RBI/2004/231DIT(CO). 2313 /06.50.13/2004
Subject : Master Circular on Payment of Treasury Bills passed by Treasury Officers of State Governments through clearing houses
Department : Department of Information Technology

Date Of Issue : 05 June, 2004

Meant For : All Primary Dealers in the Government Securities Market

Circular Number : RBI/2004/229IDMD.PDRS.No 6 /03.64.00/2003-04
Subject : Declaration of dividend by Primary Dealers
Department : Internal Debt Management Department

Date Of Issue : 03 June, 2004

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

Circular Number : RBI/2004/228UBD.No.PCB. 49 /12.05.03/2003.04
Subject : Income Recognition, Asset Classification and Provisioning Norms
Department : Urban Banks Department

Date Of Issue : 01 June, 2004