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Regulatory Guidelines

RBI Directions & Master Circulars


2017
Banker_to_Govt_and_Debt_Management
Master Circular – Disbursement of Government Pension by Agency Banks
Master Circular on Conduct of Government Business by Agency Banks – Payment of Agency Commission
Master Directions on Relief/Savings Bonds

Commercial_Banking
Master Directions on Frauds – Classification and Reporting by commercial banks and select FIs

FED
Master Direction – Money Transfer Service Scheme (MTSS)

Financial_Inclusion
Master Circular – Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
Master Circular – Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)
Master Circular – Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)
Master Circular – Facility for Exchange of Notes and Coins
Master Circular – Kisan Credit Card (KCC) Scheme
Master Circular – Lead Bank Scheme
Master Circular – Credit Facilities to Minority Communities
Master Circular on SHG-Bank Linkage Programme

Issue_of_Currency
Master Circular – Facility for Exchange of Notes and Coins

NBFC
Master Direction – Information Technology Framework for the NBFC Sector

Payment_System
Master Directions on Access Criteria for Payment Systems

Banker and Debt Management to Govt
Master Circular – Collection of Direct Taxes- OLTAS
Master Circular – Disbursement of Government Pension by Agency Banks
Master Circular on Appointment and Delisting of Brokers, and Payment of Brokerage on Relief/Savings Bonds
Master Circular on Conduct of Government Business by Agency Banks – Payment of Agency Commission
Master Circular on Nomination facility for Relief/Savings bonds
Master Direction – Operational Guidelines for Primary Dealers
Master Directions on Relief/Savings Bonds

Commercial Banking
2017-18
Resolution of Stressed Assets – Revised Framework

2016-17
Master Direction – Amalgamation of Private Sector Banks, Directions, 2016
Master Direction – Issue and Pricing of shares by Private Sector Banks, Directions, 2016
Master Direction – Know Your Customer (KYC) Direction, 2016
Master Direction – Ownership in Private Sector Banks, Directions, 2016
Master Direction – Reserve Bank of India (Financial Services provided by Banks) Directions, 2016
Master Direction – Reserve Bank of India (Interest Rate on Advances) Directions, 2016
Master Direction – Reserve Bank of India (Interest Rate on Deposits) Directions, 2016
Master Direction – Reserve Bank of India (Financial Statements of All India Financial Institutions – Presentation, Disclosure and Reporting) Directions, 2016
Master Directions on Frauds – Classification and Reporting by commercial banks and select FIs

2015-16
Frauds – Classification and Reporting
Master Circular – Bank Finance to Non-Banking Financial Companies (NBFCs)
Master Circular – Basel III Capital Regulations
Master Circular – Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)
Master Circular – Disclosure in Financial Statements – ‘Notes to Accounts’
Master Circular – Disclosure Norms for Financial Institutions
Master Circular – Exposure Norms
Master Circular – Exposure Norms for Financial Institutions
Master Circular – Guarantees and Co-acceptances
Master Circular – Housing Finance
Master Circular – Interest Rates on Advances
Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating Financing of Terrorism (CFT)/Obligation of banks and financial institutions under PMLA, 2002
Master Circular- Loans and Advances – Statutory and Other Restrictions
Master Circular on Branch Licensing
Master Circular on Customer Service in Banks
Master Circular on Interest Rates on Deposits held in FCNR (B) Accounts
Master Circular on Wilful Defaulters
Master Circular – Para-banking Activities
Master Circular – Prudential Guidelines on Capital Adequacy and Market Discipline-New Capital Adequacy Framework (NCAF)
Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks
Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by FIs
Master Circular – Prudential Norms on Capital Adequacy – Basel I Framework
Master Circular – Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances
Master Circular – Resource Raising Norms for Financial Institutions
Master Circular – Rupee / Foreign Currency Export Credit and Customer Service To Exporters
Master Direction – Amalgamation of Private Sector Banks, Directions, 2016
Master Direction – Issue and Pricing of shares by Private Sector Banks, Directions, 2016
Master Direction – Know Your Customer (KYC) Direction, 2016
Master Direction – Ownership in Private Sector Banks, Directions, 2016
Master Direction – Reserve Bank of India (Interest Rate on Advances) Directions, 2016
Master Direction – Reserve Bank of India (Interest Rate on Deposits) Directions, 2016
Master Direction- Reserve Bank of India (Financial Services provided by Banks) Directions, 2016

Cooperative Banking
Master Direction - Reserve Bank of India (Co-operative Banks - Interest Rate on Deposits) Directions, 2016
2015-16
Master Circular – Exposure Norms and Statutory / Other Restrictions – UCBs
Master Circular – Finance for Housing Schemes – UCBs
Master Circular – Guarantees, Co-Acceptances & Letters of Credit – UCBs
Master Circular – Income Recognition, Asset Classification, Provisioning and Other Related Matters – UCBs
Master Circular Interest Rates on Rupee Deposits – Primary (Urban) Co-operative Banks
Master Circular- Management of Advances – UCBs
Master Circular on Board of Directors – UCBs
Master Circular on Customer Service – UCBs
Master Circular on Frauds- Classification and Reporting
Master Circular on Inspection & Audit Systems in Primary (Urban) Co- operative Banks
Master Circular on Investments by Primary (Urban) Co-operative Banks
Master Circular on Maintenance of Deposit Accounts – Primary (Urban) Co-operative Banks
Master Circular – Priority Sector Lending – UCBs
Master Circular- Prudential Norms on Capital Adequacy – UCBs

FED
Master Direction – Acquisition and Transfer of Immovable Property under Foreign Exchange Management Act, 1999
Master Direction- Compounding of Contraventions under FEMA, 1999
Master Direction - Deposits and Accounts
Master Direction – Direct Investment by Residents in Joint Venture (JV) / Wholly Owned Subsidiary (WOS) Abroad
Master Direction - Establishment of Branch Office (BO) Liaison Office (LO) Project Office (PO)
Master Direction – Export of Goods and Services
Master Direction - External Commercial Borrowings, Trade Credit, Borrowing and Lending in Foreign Currency by Authorised Dealers and Persons other than Authorised Dealers
Master Direction – Import of Goods and Services
Master Direction - Insurance
Master Direction - Liberalised Remittance Scheme (LRS)
Master Direction - Miscellaneous
Master Direction - Money Changing Activities
Master Direction – Opening and Maintenance of Rupee/Foreign Currency Vostro Accounts of Non-resident Exchange Houses
Master Direction - Other Remittance Facilities
Master Direction - Remittance of Assets
Master Direction – Reporting under Foreign Exchange Management Act, 1999
2016-17
Master Direction – Deposits and Accounts
Master Direction – Reporting under Foreign Exchange Management Act, 1999

Financial Inclusion
2016-17
Master Direction – Lending to Micro, Small & Medium Enterprises (MSME) Sector
Master Direction – Priority Sector Lending – Targets And Classification
Master Direction – Regional Rural Banks – Priority Sector Lending – Targets And Classification
Master Direction – Reserve Bank of India (Relief Measures by Banks in Areas Affected by Natural Calamities) Directions, 2016

Master Circular- Credit Facilities to Minority Communities
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)
Master Circular: Deendayal Antyodaya Yojana- National Urban Livelihoods Mission (DAY-NULM)
MASTER CIRCULAR – Lead Bank Scheme
Master Circular on SHG-Bank Linkage Programme
MASTER DIRECTION-PRIORITY SECTOR LENDING-TARGETS AND CLASSIFICATION
MASTER DIRECTION-REGIONAL RURAL BANKS-PRIORITY SECTOR LENDING-TARGETS AND CLASSIFICATION
Master Direction - Reserve Bank of India (Relief Measures by Banks in Areas Affected by Natural Calamities) Directions, 2016

Financial Markets
Master Direction – on Risk Management and Inter-Bank Dealings
Master Direction on Money Market Instruments – Call Notice Money Market, Commercial Paper, Certificates of Deposit and Non-Convertible Debentures (original maturity up to one Yr)

Issue of Currency
Master Circular – Detection and Impounding of Counterfeit Notes
Master Circular – Facility for Exchange of Notes and Coins
Master Circular – Scheme of Penalties for bank branches based on performance in rendering customer service to the members of public
Master Direction on Currency Distribution & Exchange Scheme (CDES) based on performance in rendering customer service to the members of public

NBFC
2017-18
Master Direction – Information Technology Framework for the NBFC Sector
Master Direction – Non-Banking Financial Company – Peer to Peer Lending Platform (Reserve Bank) Directions, 2017

2016-17
Master Direction – Monitoring of Frauds in NBFCs (Reserve Bank) Directions, 2016
Master Direction – Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2016
Master Direction – Non-Banking Financial Company Returns (Reserve Bank) Directions, 2016
Master Direction – Mortgage Guarantee Companies (Reserve Bank) Directions, 2016
Master Direction – NBFC Acceptance of Public Deposits (Reserve Bank) Directions, 2016
Master Direction – NBFC Account Aggregator (Reserve Bank) Directions, 2016
Master Direction – NBFC Non-Systemically Important Non-Deposit taking Company (Reserve Bank) Directions, 2016
Master Direction – NBFC Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016
Master Direction – Core Investment Companies (Reserve Bank) Directions, 2016
Master Direction – Exemptions from the provisions of RBI Act, 1934
Master Direction – Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 2016
Master Direction – Residuary Non-Banking Companies (Reserve Bank) Directions, 2016
Master Direction – Standalone Primary Dealers (Reserve Bank) Directions, 2016

2015-16
Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines, 2010
Master Circular – ‘Know Your Customer’ (KYC) Guidelines – Anti Money Laundering Standards (AML) -‘Prevention of Money Laundering Act, 2002 – Obligations of NBFCs in terms of Rules notified thereunder’
Master Circular- Exemptions from the provisions of RBI Act, 1934
Master Circular – Fair Practices Code
Master Circular – Frauds –Future approach towards monitoring of frauds in NBFCs
Master Circular – “Infrastructure Debt Fund-Non-Banking Financial Companies (Reserve Bank) Directions, 2011”
Master Circular – Miscellaneous Instructions to all Non-Banking Financial Companies
Master Circular – “Miscellaneous Non-Banking Companies (Reserve Bank) Directions, 1977”
Master Circular – Non-Banking Financial Companies Auditor’s Report (Reserve Bank) Directions, 2008
Master Circular – “Non-Banking Financial Companies – Corporate Governance (Reserve Bank) Directions, 2015”
Master Circular- ‘Non-Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) – Directions
Master Circular – “Non-Banking Financial (Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007”
Master Circular – Opening of Branch/Subsidiary/Joint Venture/ Representative office or Undertaking Investment Abroad by NBFCs
Master Circular– Regulatory Framework for Core Investment Companies (CICs)
Master Circular– Requirement for Obtaining Prior Approval of RBI in Cases of Acquisition / Transfer of Control of NBFCs
Master Circular – Returns to be submitted by NBFCs
Master Circular – The Non-Banking Financial Company – Factors (Reserve Bank) Directions, 2012
Master Circulars- Miscellaneous Instructions to NBFC- ND-SI
Master Circular – “Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 1998”
Mortgage Guarantee Companies (Reserve Bank) Guidelines, 2008 on Registration and Operations of Mortgage Guarantee Company
Mortgage Guarantee Companies Investment (Reserve Bank) Directions, 2008
Mortgage Guarantee Companies Prudential Norms (Reserve Bank) Directions, 2008
The Securitisation Companies and Reconstruction Companies (Reserve Bank) Guidelines and Directions, 2003

Payment System
Master Direction on Issuance and Operation of Prepaid Payment Instruments
Master Directions on Access Criteria for Payment Systems
Master Circular – Mobile Banking transactions in India – Operative Guidelines for Banks
Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India