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Draft Notifications
অক্টো 20, 2022
Draft Master Direction on Information Technology Governance, Risk, Controls and Assurance Practices
RBI/2022-23/xx DoS.CO.CSITEG/SEC.xx/31.01.015/2022-23 October 20, 2022 The Chairman/Managing Director/Chief Executive Officer Scheduled Commercial Banks (excluding Regional Rural Banks); Small Finance Banks;Payments Banks;Non-Banking Financial Companies in Top, Upper and Middle Layers; All India Financial Institutions (NHB, NABARD, SIDBI, EXIM Bank and NaBFID); andCredit Information Companies. Madam/Dear Sir, Draft Master Direction on Information Technology Governance
RBI/2022-23/xx DoS.CO.CSITEG/SEC.xx/31.01.015/2022-23 October 20, 2022 The Chairman/Managing Director/Chief Executive Officer Scheduled Commercial Banks (excluding Regional Rural Banks); Small Finance Banks;Payments Banks;Non-Banking Financial Companies in Top, Upper and Middle Layers; All India Financial Institutions (NHB, NABARD, SIDBI, EXIM Bank and NaBFID); andCredit Information Companies. Madam/Dear Sir, Draft Master Direction on Information Technology Governance
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জুন 23, 2022
Draft Master Direction on Outsourcing of IT Services
RBI/2022-23/xx DoS.CO.CSITEG/SEC.xx/31.01.015/2022-23 June 23, 2022 The Chairman/Managing Director/Chief Executive Officer Scheduled Commercial Banks (excluding Regional Rural Banks); Local Area Banks; Small Finance Banks; Payments Banks; Primary (Urban) Co-operative Banks having asset size of ₹1000 crore and above; Non-Banking Financial Companies in Top, Upper and Middle Layers; Credit Information Companies; and All India Financial Institutions (NHB, NABARD, SIDBI, E
RBI/2022-23/xx DoS.CO.CSITEG/SEC.xx/31.01.015/2022-23 June 23, 2022 The Chairman/Managing Director/Chief Executive Officer Scheduled Commercial Banks (excluding Regional Rural Banks); Local Area Banks; Small Finance Banks; Payments Banks; Primary (Urban) Co-operative Banks having asset size of ₹1000 crore and above; Non-Banking Financial Companies in Top, Upper and Middle Layers; Credit Information Companies; and All India Financial Institutions (NHB, NABARD, SIDBI, E
ফেব্ৰু 12, 2021
Recruitment of Assistants - 2019: Display of Roll Numbers of Finally Selected Candidates for Appointment in the Bank’s New Delhi Office
We refer to the advertisement dated December 23, 2019, published on our website www.rbi.org.in on recruitment for the posts of Assistants. On the basis of performance of the candidates in the Online test, Language Proficiency Test (LPT) and Photo verification, the list of finally selected candidates for the above posts is given in the link provided below: “Roll Numbers of Finally Selected Candidates” The appointment of the candidates is subject to their being found me
We refer to the advertisement dated December 23, 2019, published on our website www.rbi.org.in on recruitment for the posts of Assistants. On the basis of performance of the candidates in the Online test, Language Proficiency Test (LPT) and Photo verification, the list of finally selected candidates for the above posts is given in the link provided below: “Roll Numbers of Finally Selected Candidates” The appointment of the candidates is subject to their being found me
নৱে 14, 2019
Guidelines on the criteria for registering institutions, organisations and associations ‘on tap’ for grant of financial assistance from the Depositor Education and Awareness Fund
1. Background (i) Pursuant to The Banking Laws (Amendment) Act, 2012, Section 26A has been inserted in the Banking Regulation Act, 1949 that empowers the Reserve Bank to establish a fund called Depositor Education and Awareness Fund (Fund). RBI has notified the Depositor Education and Awareness Fund Scheme, 2014 (Scheme) in the Official Gazette on May 24, 2014. (ii) The Fund has been created and all banks have been advised to transfer the balances in inoperative depos
1. Background (i) Pursuant to The Banking Laws (Amendment) Act, 2012, Section 26A has been inserted in the Banking Regulation Act, 1949 that empowers the Reserve Bank to establish a fund called Depositor Education and Awareness Fund (Fund). RBI has notified the Depositor Education and Awareness Fund Scheme, 2014 (Scheme) in the Official Gazette on May 24, 2014. (ii) The Fund has been created and all banks have been advised to transfer the balances in inoperative depos
ছেপ্তে 13, 2019
Draft Guidelines for ‘on tap’ Licensing of Small Finance Banks in the Private Sector
I. Introduction The Reserve Bank had issued the Guidelines for Licensing of “Small Finance Banks” in the Private Sector on November 27, 2014. The process of licensing culminated in granting in-principle approval to ten applicants and they have since established the banks. It was notified in these Guidelines that after gaining experience in dealing with these banks, the Reserve Bank will consider ‘on tap’ licensing of these banks. After a review of the performance of t
I. Introduction The Reserve Bank had issued the Guidelines for Licensing of “Small Finance Banks” in the Private Sector on November 27, 2014. The process of licensing culminated in granting in-principle approval to ten applicants and they have since established the banks. It was notified in these Guidelines that after gaining experience in dealing with these banks, the Reserve Bank will consider ‘on tap’ licensing of these banks. After a review of the performance of t
ছেপ্তে 13, 2019
Draft Guidelines for ‘on tap’ Licensing of Small Finance Banks in the Private Sector
I. Introduction The Reserve Bank had issued the Guidelines for Licensing of “Small Finance Banks” in the Private Sector on November 27, 2014. The process of licensing culminated in granting in-principle approval to ten applicants and they have since established the banks. It was notified in these Guidelines that after gaining experience in dealing with these banks, the Reserve Bank will consider ‘on tap’ licensing of these banks. After a review of the performance of t
I. Introduction The Reserve Bank had issued the Guidelines for Licensing of “Small Finance Banks” in the Private Sector on November 27, 2014. The process of licensing culminated in granting in-principle approval to ten applicants and they have since established the banks. It was notified in these Guidelines that after gaining experience in dealing with these banks, the Reserve Bank will consider ‘on tap’ licensing of these banks. After a review of the performance of t
জুন 11, 2018
Draft guidelines on Loan System for Delivery of Bank Credit
RBI/2017-18/ DBR.No.BP.BC……/21.04.048/2017-18 June 11, 2018 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Small Finance Banks Dear Sir/ Madam, Draft guidelines on Loan System for Delivery of Bank Credit Please refer to paragraph No. 1 of Statement on Developmental and Regulatory Policies, by RBI, dated April 5, 2018. It was indicated therein that RBI would issue draft guidelines on Loan System for Delivery of Bank Credit. 2. The
RBI/2017-18/ DBR.No.BP.BC……/21.04.048/2017-18 June 11, 2018 All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Small Finance Banks Dear Sir/ Madam, Draft guidelines on Loan System for Delivery of Bank Credit Please refer to paragraph No. 1 of Statement on Developmental and Regulatory Policies, by RBI, dated April 5, 2018. It was indicated therein that RBI would issue draft guidelines on Loan System for Delivery of Bank Credit. 2. The
অক্টো 12, 2017
Electronic Trading Platform (ETP) Directions, 2017– Draft Directions
These directions are called ‘The Electronic Trading Platform (ETP) Directions, 2017’ and are issued in exercise of the powers conferred under section 45W of the RBI Act, 1934. 2. No entity shall operate an ETP to trade any instrument covered under Section 45 (W) of the RBI Act, 1934 without prior authorisation of the Reserve Bank under these directions. Existing electronic trading platforms would also be required to obtain authorisation under these directions, within
These directions are called ‘The Electronic Trading Platform (ETP) Directions, 2017’ and are issued in exercise of the powers conferred under section 45W of the RBI Act, 1934. 2. No entity shall operate an ETP to trade any instrument covered under Section 45 (W) of the RBI Act, 1934 without prior authorisation of the Reserve Bank under these directions. Existing electronic trading platforms would also be required to obtain authorisation under these directions, within
ফেব্ৰু 02, 2017
Draft Guidelines on governance, measurement and management of Interest Rate Risk in Banking Book
RBI/2016-17/ DBR.No.BP.BC…/21.07.005/2016-17 February 2, 2017 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines on governance, measurement and management of Interest Rate Risk in Banking Book Please refer to the paragraph 5 of the Statement on Developmental and Regulatory Policies, by RBI, dated October 4, 2016. It was indicated therein that RBI would issue draft guideli
RBI/2016-17/ DBR.No.BP.BC…/21.07.005/2016-17 February 2, 2017 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines on governance, measurement and management of Interest Rate Risk in Banking Book Please refer to the paragraph 5 of the Statement on Developmental and Regulatory Policies, by RBI, dated October 4, 2016. It was indicated therein that RBI would issue draft guideli
আগ 25, 2016
Draft Large Exposures Framework
1. Introduction 1.1 A bank’s exposures to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. As a first step to address the concentration risk, the Reserve Bank, in March 1989, fixed limits on bank exposures to an individual business concern and to business concerns of a group.RBI’s prudential exposure norms have evolved since then and a bank’s exposure to a single borrower and a borrower group
1. Introduction 1.1 A bank’s exposures to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. As a first step to address the concentration risk, the Reserve Bank, in March 1989, fixed limits on bank exposures to an individual business concern and to business concerns of a group.RBI’s prudential exposure norms have evolved since then and a bank’s exposure to a single borrower and a borrower group
আগ 11, 2016
Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions
Draft Circular (for public comments) RBI/2016-17/ DBR.No.Leg.BC. /09.07.005/2016-17 August 11, 2016 All Scheduled Commercial Banks (including RRBs) All Co-operative Banks Dear Sir/Madam, Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions Please refer to our circular DBOD.Leg.BC.86/09.07.007/2001-02 dated April 8, 2002 regarding reversal of erroneous debits arising from fraudulent and other transactions. 2. With the in
Draft Circular (for public comments) RBI/2016-17/ DBR.No.Leg.BC. /09.07.005/2016-17 August 11, 2016 All Scheduled Commercial Banks (including RRBs) All Co-operative Banks Dear Sir/Madam, Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions Please refer to our circular DBOD.Leg.BC.86/09.07.007/2001-02 dated April 8, 2002 regarding reversal of erroneous debits arising from fraudulent and other transactions. 2. With the in
আগ 01, 2016
Guidelines for ‘on tap’ Licensing of Universal Banks in the Private Sector
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee, and other viewpoints, the Reserve Bank came
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee, and other viewpoints, the Reserve Bank came
জুন 23, 2016
Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions
RBI/2015-16/ DBR.No.BP.BC./21.06.201/2015-16 June 22, 2016 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions Please refer to the paragraph 27 of the first bi-monthly monetary policy statement for 2016-17. It was indicated therein that RBI will issue draft guidelines on Standardised A
RBI/2015-16/ DBR.No.BP.BC./21.06.201/2015-16 June 22, 2016 The Managing Director/ Chief Executive Officer of All Scheduled Commercial Banks (Excluding Regional Rural Banks) Madam / Dear Sir, Draft Guidelines for computing exposure for counterparty credit risk arising from derivative transactions Please refer to the paragraph 27 of the first bi-monthly monetary policy statement for 2016-17. It was indicated therein that RBI will issue draft guidelines on Standardised A
মে’ 12, 2016
Discussion Paper – Framework for enhancing Credit Supply for Large Borrowers through Market Mechanism
In March 2015, RBI issued a Discussion Paper titled “Large Exposures Framework and Enhancing Credit Supply through Market Mechanism” for stakeholders’ comments. Apart from introducing the contours of ‘Large Exposures Standards’ for banks in India, the Discussion Paper also focused on the need to encourage sources of funding other than bank credit for the corporate sector to finance growth. Specifically, the paper proposed ways to encourage large corporates with borrow
In March 2015, RBI issued a Discussion Paper titled “Large Exposures Framework and Enhancing Credit Supply through Market Mechanism” for stakeholders’ comments. Apart from introducing the contours of ‘Large Exposures Standards’ for banks in India, the Discussion Paper also focused on the need to encourage sources of funding other than bank credit for the corporate sector to finance growth. Specifically, the paper proposed ways to encourage large corporates with borrow
মে’ 05, 2016
Draft Guidelines for ‘on tap’ Licensing of Universal Banks in the Private Sector
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee and other viewpoints, the Reserve Bank came
Preamble The Reserve Bank of India (RBI) had issued guidelines for licensing of new banks in the private sector on February 22, 2013. Reserve Bank issued in-principle approval to two applicants and they have since established the banks as per the licences. Recognising the need for having an explicit policy on banking structure in India in line with the recommendations of the Narasimham Committee, Raghuram G. Rajan Committee and other viewpoints, the Reserve Bank came
ছেপ্তে 01, 2015
Draft Guidelines on Transmission of Monetary Policy Rates to Banks’ Lending Rates – Base Rate Guidelines
Background 1. Under Base Rate system which came into effect from July 1, 2010, all categories of domestic rupee loans should be priced only with reference to the Base Rate, subject to the conditions mentioned in our circulars DBOD.No.Dir.BC.88/13.03.00/2009-10 dated April 9, 2010 and DBR. Dir.BC.No.63/13.03.00/2014-15 dated January 19, 2015. For monetary transmission to occur, lending rates have to be sensitive to the policy rate. At present, banks follow different me
Background 1. Under Base Rate system which came into effect from July 1, 2010, all categories of domestic rupee loans should be priced only with reference to the Base Rate, subject to the conditions mentioned in our circulars DBOD.No.Dir.BC.88/13.03.00/2009-10 dated April 9, 2010 and DBR. Dir.BC.No.63/13.03.00/2014-15 dated January 19, 2015. For monetary transmission to occur, lending rates have to be sensitive to the policy rate. At present, banks follow different me
মে’ 28, 2015
Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines
RBI/2014-15/ DBR.BP.BC.XX/21.04.098/2014-15 May 28, 2015 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines Please refer to the ‘First Bi-monthly Monetary Policy Statement, 2015-16’ announced on April 7, 2015, wherein the following proposal was made: 19. The Basel Committee on Banking Supervision issued the final rules on the Net Stable Funding Ratio (NSFR) in Octobe
RBI/2014-15/ DBR.BP.BC.XX/21.04.098/2014-15 May 28, 2015 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Draft Guidelines Please refer to the ‘First Bi-monthly Monetary Policy Statement, 2015-16’ announced on April 7, 2015, wherein the following proposal was made: 19. The Basel Committee on Banking Supervision issued the final rules on the Net Stable Funding Ratio (NSFR) in Octobe
মাৰ্চ 30, 2015
Large Exposures Framework and Enhancing Credit Supply through Market Mechanism
March 27, 2015 Background A bank’s exposure to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. Internationally, concentration risk has been addressed by prescribing regulatory and statutory limits on exposures towards counterparties and various sectors of the economy. The Basel Committee on Banking Supervision (BCBS) too recognised the need for banks to measure and limit the size of large ex
March 27, 2015 Background A bank’s exposure to its counterparties may result in concentration of its assets to a single counterparty or a group of connected counterparties. Internationally, concentration risk has been addressed by prescribing regulatory and statutory limits on exposures towards counterparties and various sectors of the economy. The Basel Committee on Banking Supervision (BCBS) too recognised the need for banks to measure and limit the size of large ex
আগ 07, 2014
Draft Guidelines for Implementation of Bharat Bill Payment System (BBPS)
Introduction 1. Bill payment is a major component of the retail payment transactions. The Committee to study the Feasibility of Implementation of GIRO based Payment Systems (Chairman: Shri G. Padmanabhan, Executive Director, RBI) (2013) had estimated that over 30,800 million bills amounting to Rs.6223 billion are generated each year in the top 20 cities in the country. Though various forms of payments are accepted, cash and cheque payments continue to be predominant,
Introduction 1. Bill payment is a major component of the retail payment transactions. The Committee to study the Feasibility of Implementation of GIRO based Payment Systems (Chairman: Shri G. Padmanabhan, Executive Director, RBI) (2013) had estimated that over 30,800 million bills amounting to Rs.6223 billion are generated each year in the top 20 cities in the country. Though various forms of payments are accepted, cash and cheque payments continue to be predominant,
জুলাই 22, 2014
Framework for Dealing with Domestic Systemically Important Banks (D-SIBs)
Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrup
Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrup
জুলাই 22, 2014
Draft Guidelines for setting up of and operating TReDS
Micro, Small and Medium Enterprises (MSMEs), despite the important role played by them in the economic fabric of the country, continue to face constraints in obtaining adequate finance, particularly in terms of their ability to convert their trade receivables into liquid funds. In order to address this pan-India issue through setting up of an institutional mechanism for financing trade receivables,the Reserve Bank of India had published a concept paper on “Micro, Smal
Micro, Small and Medium Enterprises (MSMEs), despite the important role played by them in the economic fabric of the country, continue to face constraints in obtaining adequate finance, particularly in terms of their ability to convert their trade receivables into liquid funds. In order to address this pan-India issue through setting up of an institutional mechanism for financing trade receivables,the Reserve Bank of India had published a concept paper on “Micro, Smal
জুলাই 17, 2014
Draft Guidelines for Licensing of “Payments Banks”
I. Preamble The Reserve Bank of India (RBI) issues licences to entities to carry on the business of banking and other business in which banking companies may engage, as defined and described in Sections 5 (b) and 6 (1) (a) to (o) of the Banking Regulation Act, 1949, respectively. The last time when RBI came out with a set of guidelines for licensing of new banks in the private sector was in February 2013. The process of licensing culminated with the announcement by th
I. Preamble The Reserve Bank of India (RBI) issues licences to entities to carry on the business of banking and other business in which banking companies may engage, as defined and described in Sections 5 (b) and 6 (1) (a) to (o) of the Banking Regulation Act, 1949, respectively. The last time when RBI came out with a set of guidelines for licensing of new banks in the private sector was in February 2013. The process of licensing culminated with the announcement by th
জুলাই 17, 2014
Draft Guidelines for Licensing of “Small Banks” in the Private Sector
I. Preamble The Reserve Bank of India (RBI) last came out with a set of guidelines for licensing of new banks in the private sector on February 22, 2013. The process of licensing culminated with the announcement by the RBI vide its Press Release dated April 2, 2014 that it would grant “in-principle” approval to two applicants who would set up new banks in the private sector within a period of 18 months. While preparing these guidelines, the Reserve Bank recognized the
I. Preamble The Reserve Bank of India (RBI) last came out with a set of guidelines for licensing of new banks in the private sector on February 22, 2013. The process of licensing culminated with the announcement by the RBI vide its Press Release dated April 2, 2014 that it would grant “in-principle” approval to two applicants who would set up new banks in the private sector within a period of 18 months. While preparing these guidelines, the Reserve Bank recognized the
মে’ 20, 2014
Partial Credit Enhancements to Corporate Bonds – Draft Circular
DBOD.BP.BC.No. /08.12.014/2013-14 May 20, 2014 All Scheduled Commercial Banks (excluding RRBs ) Dear Sir, Partial Credit Enhancements to Corporate Bonds – Draft Circular Please refer to paragraph 30 of the Second Quarter Review of Monetary Policy 2013-14 (extract enclosed) announced on October 29, 2013 proposing to allow banks to offer partial credit enhancements to corporate bonds. 2. The corporate bond market in India currently lacks sufficient depth and liquidity.
DBOD.BP.BC.No. /08.12.014/2013-14 May 20, 2014 All Scheduled Commercial Banks (excluding RRBs ) Dear Sir, Partial Credit Enhancements to Corporate Bonds – Draft Circular Please refer to paragraph 30 of the Second Quarter Review of Monetary Policy 2013-14 (extract enclosed) announced on October 29, 2013 proposing to allow banks to offer partial credit enhancements to corporate bonds. 2. The corporate bond market in India currently lacks sufficient depth and liquidity.
ডিচে 02, 2013
Framework for Dealing with Domestic Systemically Important Banks (D-SIBs) – Draft for Comments
Introduction A few banks assume systemic importance due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness. The disorderly failure of these banks has the propensity to cause significant disruption to the essential services provided by the banking system, and in turn, to the overall economic activity. These banks are considered Systemically Important Banks (SIBs) as their continued functioning is critical for the
Introduction A few banks assume systemic importance due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness. The disorderly failure of these banks has the propensity to cause significant disruption to the essential services provided by the banking system, and in turn, to the overall economic activity. These banks are considered Systemically Important Banks (SIBs) as their continued functioning is critical for the
নৱে 29, 2013
Entry of Banks into Insurance Business – Insurance Broking Business
DBOD.No.FSD./24.01.018/2013-14 November 29, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Entry of Banks into Insurance Business – Insurance Broking Business Consequent to the announcement by the Finance Minister in the budget speech 2013-14 that banks will be permitted to act as insurance brokers, IRDA has formulated and notified the IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013 to enable banks to take up the business of ins
DBOD.No.FSD./24.01.018/2013-14 November 29, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Entry of Banks into Insurance Business – Insurance Broking Business Consequent to the announcement by the Finance Minister in the budget speech 2013-14 that banks will be permitted to act as insurance brokers, IRDA has formulated and notified the IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013 to enable banks to take up the business of ins
জুলাই 02, 2013
Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure
RBI/2013-14/ DBOD.No.BP.BC. /21.06.200/2013-14 July 2, 2013 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure Please refer to paragraph 99 of the Monetary Policy Statement for 2013-14 (Extract annexed). Unhedged foreign currency exposures of the corporate are an area
RBI/2013-14/ DBOD.No.BP.BC. /21.06.200/2013-14 July 2, 2013 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure Please refer to paragraph 99 of the Monetary Policy Statement for 2013-14 (Extract annexed). Unhedged foreign currency exposures of the corporate are an area
জুন 28, 2013
Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines
DBOD.CO.FSD.No. /24.01.026/2012-13 June 28, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines Please refer to paragraphs 86, 87 and 88 (extracts enclosed) of the Monetary Policy Statement 2013-14 announcement on May 3, 2013 regarding issue of guidelines on wealth management services and distribution of third party financial products by banks. 2. The d
DBOD.CO.FSD.No. /24.01.026/2012-13 June 28, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines Please refer to paragraphs 86, 87 and 88 (extracts enclosed) of the Monetary Policy Statement 2013-14 announcement on May 3, 2013 regarding issue of guidelines on wealth management services and distribution of third party financial products by banks. 2. The d
জানু 31, 2013
Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines
RBI/2012-13/ DBOD.BP.BC.No. /21.04.132/2012-13 January 31, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines Please refer to paragraphs 90 to 92 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, wherein it was indicated that the draft guidelines on ‘Review of Prudential Guidelines on Re
RBI/2012-13/ DBOD.BP.BC.No. /21.04.132/2012-13 January 31, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines Please refer to paragraphs 90 to 92 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, wherein it was indicated that the draft guidelines on ‘Review of Prudential Guidelines on Re
জানু 10, 2013
Draft Guidelines on Capital requirements for bank exposures to central counterparties
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Capital requirements for bank exposures to central counterparties Please refer to the paragraph 88 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indic
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Capital requirements for bank exposures to central counterparties Please refer to the paragraph 88 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indic
জানু 10, 2013
Draft Guidelines on Composition of Capital Disclosure Requirements
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Composition of Capital Disclosure Requirements Please refer to the paragraph 87 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indicated that the draft
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Composition of Capital Disclosure Requirements Please refer to the paragraph 87 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indicated that the draft
ছেপ্তে 17, 2012
Draft Supplementary Guidance on Treatment of Illiquid Positions
RBI/2012-13/ DBOD.No.BP.BC. /21.06.001/2012-13 September 17, 2012 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Supplementary Guidance on Treatment of Illiquid Positions Please refer to para 8.8 in the guidelines on treatment of illiquid positions contained in our Master Circular DBOD.No.BP.BC.16/21.06.001/2010-11 dated July 2, 2012 on the New Capital Adequacy Framework. The prudent
RBI/2012-13/ DBOD.No.BP.BC. /21.06.001/2012-13 September 17, 2012 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Supplementary Guidance on Treatment of Illiquid Positions Please refer to para 8.8 in the guidelines on treatment of illiquid positions contained in our Master Circular DBOD.No.BP.BC.16/21.06.001/2010-11 dated July 2, 2012 on the New Capital Adequacy Framework. The prudent
আগ 14, 2012
Management of Intra-Group Transactions and Exposures – Draft Guidelines
RBI/2012-13/ DBOD.No.BP.BC. /21.06.102/2012-13 August 14, 2012 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (excluding RRBs and LABs) Dear Sir, Management of Intra-Group Transactions and Exposures – Draft Guidelines As a prudential measure aimed at avoiding concentration of credit risk, the Reserve Bank of India has prescribed regulatory limits on banks’ exposure to individual and Group borrowers which are laid down i
RBI/2012-13/ DBOD.No.BP.BC. /21.06.102/2012-13 August 14, 2012 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (excluding RRBs and LABs) Dear Sir, Management of Intra-Group Transactions and Exposures – Draft Guidelines As a prudential measure aimed at avoiding concentration of credit risk, the Reserve Bank of India has prescribed regulatory limits on banks’ exposure to individual and Group borrowers which are laid down i
ফেব্ৰু 21, 2012
Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines
RBI No. 2011-12/ DBOD. BP. No. /21.04.098/ 2011-12 February 21, 2012 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (Excluding RRBs and LABs) Madam/Dear Sir, Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines The recent global financial crisis re-emphasised the importance of sound liquidity risk management framework to the functioning of financial institutions and markets. The reversal in
RBI No. 2011-12/ DBOD. BP. No. /21.04.098/ 2011-12 February 21, 2012 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (Excluding RRBs and LABs) Madam/Dear Sir, Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines The recent global financial crisis re-emphasised the importance of sound liquidity risk management framework to the functioning of financial institutions and markets. The reversal in
ছেপ্তে 27, 2011
Revisions to the Guidelines on Securitisation Transactions
RBI/2011-12 DBOD.No.BP. / /21.04.177/2011-12 September 27, 2011 The Chairman and Managing Director / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) and All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced o
RBI/2011-12 DBOD.No.BP. / /21.04.177/2011-12 September 27, 2011 The Chairman and Managing Director / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) and All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced o
আগ 29, 2011
Draft Guidelines for Licensing of New Banks in the Private Sector
Over the last two decades, the Reserve Bank licensed twelve banks in the private sector. This happened in two phases. Ten banks were licensed on the basis of guidelines issued in January 1993. The guidelines were revised in January 2001 based on the experience gained from the functioning of these banks, and fresh applications were invited. The applications received in response to this invitation were vetted by a High Level Advisory Committee constituted by the Reserve
Over the last two decades, the Reserve Bank licensed twelve banks in the private sector. This happened in two phases. Ten banks were licensed on the basis of guidelines issued in January 1993. The guidelines were revised in January 2001 based on the experience gained from the functioning of these banks, and fresh applications were invited. The applications received in response to this invitation were vetted by a High Level Advisory Committee constituted by the Reserve
আগ 10, 2011
Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines
DBOD.No.BP. /21.06.001/2011-12 August 10, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir/Madam, Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia, advising banks that they can apply for migrat
DBOD.No.BP. /21.06.001/2011-12 August 10, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir/Madam, Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia, advising banks that they can apply for migrat
জুলাই 06, 2011
Section 19 of the Banking Regulation Act, 1949 - Equity Investments in subsidiaries and other companies– Draft Guidelines
RBI/2011--12 DBOD.FSD.BC. / /2011-12 July 6, 2011 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Section 19 of the Banking Regulation Act, 1949- Equity Investments in subsidiaries and other companies– Draft Guidelines Please refer to the instructions contained in paragraphs 2 and 3 of our Master Circular DBOD. No. FSD.BC.15/24.01.001/2011-12 dated July 1, 2011 on Para-Banking Activities which deal with the guidelines for setting up of subsidiaries by banks
RBI/2011--12 DBOD.FSD.BC. / /2011-12 July 6, 2011 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Section 19 of the Banking Regulation Act, 1949- Equity Investments in subsidiaries and other companies– Draft Guidelines Please refer to the instructions contained in paragraphs 2 and 3 of our Master Circular DBOD. No. FSD.BC.15/24.01.001/2011-12 dated July 1, 2011 on Para-Banking Activities which deal with the guidelines for setting up of subsidiaries by banks
এপ্ৰিল 28, 2011
Deregulation of Savings Bank Deposit Interest Rate : A Discussion Paper
Introduction As a part of financial sector reforms, the Reserve Bank has deregulated interest rates on deposits, other than savings bank deposits. The interest rate on savings bank deposits has remained unchanged at 3.5 per cent per annum since March 1, 2003. Keeping in view progressive deregulation of interest rates, it was proposed in the Second Quarter Review of Monetary Policy 2010-11 announced on November 2, 2010 to prepare a Discussion Paper to delineate the pro
Introduction As a part of financial sector reforms, the Reserve Bank has deregulated interest rates on deposits, other than savings bank deposits. The interest rate on savings bank deposits has remained unchanged at 3.5 per cent per annum since March 1, 2003. Keeping in view progressive deregulation of interest rates, it was proposed in the Second Quarter Review of Monetary Policy 2010-11 announced on November 2, 2010 to prepare a Discussion Paper to delineate the pro
জানু 21, 2011
Discussion Paper- Presence of foreign banks in India
1. Introduction 1.1 In 2005, the Reserve Bank released the “Road map for presence of foreign banks in India” laying out a two track and gradualist approach aimed at increasing the efficiency and stability of the banking sector in India. One track was the consolidation of the domestic banking system, both in private and public sectors, and the second track was the gradual enhancement of foreign banks in a synchronised manner. The Road map was divided into two phases, t
1. Introduction 1.1 In 2005, the Reserve Bank released the “Road map for presence of foreign banks in India” laying out a two track and gradualist approach aimed at increasing the efficiency and stability of the banking sector in India. One track was the consolidation of the domestic banking system, both in private and public sectors, and the second track was the gradual enhancement of foreign banks in a synchronised manner. The Road map was divided into two phases, t
জানু 06, 2011
Implementation of the Advanced Measurement Approach (AMA) for Calculation of Capital Charge for Operational Risk - Draft Guidelines
DBOD.No.BP.BC. /21.06.014/2010-11 January 6, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir, Implementation of the Advanced Measurement Approach (AMA) for Calculation of Capital Charge for Operational Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migratin
DBOD.No.BP.BC. /21.06.014/2010-11 January 6, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir, Implementation of the Advanced Measurement Approach (AMA) for Calculation of Capital Charge for Operational Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migratin
আগ 17, 2010
RBI releases Discussion Paper on Entry of New Banks in the Private Sector
1. INTRODUCTION 1.1 The Union Finance Minister, in his budget speech for the year 2010-11 had announced that ‘The Indian banking system has emerged unscathed from the crisis. We need to ensure that the banking system grows in size and sophistication to meet the needs of a modern economy. Besides, there is a need to extend the geographic coverage of banks and improve access to banking services. In this context, I am happy to inform the Honourable Members that the RBI i
1. INTRODUCTION 1.1 The Union Finance Minister, in his budget speech for the year 2010-11 had announced that ‘The Indian banking system has emerged unscathed from the crisis. We need to ensure that the banking system grows in size and sophistication to meet the needs of a modern economy. Besides, there is a need to extend the geographic coverage of banks and improve access to banking services. In this context, I am happy to inform the Honourable Members that the RBI i
আগ 02, 2010
Discussion Paper on Engagement of 'for-profit' Companies as Business Correspondents
Introduction 1. The purpose of this paper is to seek the views / comments of banks, non-banking financial institutions, ‘for-profit’ companies, regulators, academicians, NGOs and the public at large on the discussion on whether there is a case for allowing banks to engage ‘for-profit’ companies as well as NBFCs as their Business Correspondents for expanding their banking outreach. Business Correspondent model 2. The Reserve Bank of India has taken several initiatives
Introduction 1. The purpose of this paper is to seek the views / comments of banks, non-banking financial institutions, ‘for-profit’ companies, regulators, academicians, NGOs and the public at large on the discussion on whether there is a case for allowing banks to engage ‘for-profit’ companies as well as NBFCs as their Business Correspondents for expanding their banking outreach. Business Correspondent model 2. The Reserve Bank of India has taken several initiatives
জুলাই 02, 2010
Guidelines on Compensation of Whole Time Directors/Chief Executive Officers/Risk takers and Control function staff
DBOD No.BC. /29.67.001/2010-11 July 1, 2010 To All banks in Private Sector and Local Area Banks and all Foreign Banks operating in India Dear Sir/ Madam, Guidelines on Compensation of Whole Time Directors/Chief Executive Officers/Risk takers and Control function staff Flawed incentive compensation practices in the financial sector were one of the important factors contributing to the recent global financial crisis. Employees were too often rewarded for increasing the
DBOD No.BC. /29.67.001/2010-11 July 1, 2010 To All banks in Private Sector and Local Area Banks and all Foreign Banks operating in India Dear Sir/ Madam, Guidelines on Compensation of Whole Time Directors/Chief Executive Officers/Risk takers and Control function staff Flawed incentive compensation practices in the financial sector were one of the important factors contributing to the recent global financial crisis. Employees were too often rewarded for increasing the
এপ্ৰিল 19, 2010
Second Quarter Review of Monetary Policy for the Year 2009-10 – Securitisation Transactions- Draft Guidelines
RBI/2009-10/ DBOD.No.BP.BC. / /2009-10 April 19, 2010 The Chairman and Managing Director / Chief Executive Officers All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) Dear Sir, Second Quarter Review of Monetary Policy for the Year 2009-10 – Securitisation Transactions- Draft Guidelines Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced on October 27, 2009 (copy of the paragraph enclosed),
RBI/2009-10/ DBOD.No.BP.BC. / /2009-10 April 19, 2010 The Chairman and Managing Director / Chief Executive Officers All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) Dear Sir, Second Quarter Review of Monetary Policy for the Year 2009-10 – Securitisation Transactions- Draft Guidelines Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced on October 27, 2009 (copy of the paragraph enclosed),
ফেব্ৰু 17, 2010
Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk- Draft Guidelines
DBOD.BP.BC. 14054/21.06.001/2009-10 February 11, 2010 The Chairman and Managing Directors/ Chief Executive Officers of All Commercial Banks Dear Sir Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk- Draft Guidelines Please refer to our circular DBOD BP. BC. 23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migrating to The Standardised Approach and Alternative Standardised
DBOD.BP.BC. 14054/21.06.001/2009-10 February 11, 2010 The Chairman and Managing Directors/ Chief Executive Officers of All Commercial Banks Dear Sir Implementation of The Standardised Approach (TSA) for Calculation of Capital Charge for Operational Risk- Draft Guidelines Please refer to our circular DBOD BP. BC. 23/21.06.001/2009-10 dated July 7, 2009, inter alia advising banks that they can apply for migrating to The Standardised Approach and Alternative Standardised
ফেব্ৰু 10, 2010
Guidelines on the Base Rate
Draft Circular RBI/2009-10/ Ref.No.MPD.BC. /10.14.01/2009-10 February , 2010 Magha , 1931(S) To All Scheduled Commercial Banks Guidelines on the Base Rate Following the announcement in the Annual Policy Statement for the year 2009-10, the Reserve Bank constituted a Working Group on Benchmark Prime Lending Rate (Chairman: Shri Deepak Mohanty) to review the present benchmark prime lending rate (BPLR) system and suggest changes to make credit pricing more transparent. Th
Draft Circular RBI/2009-10/ Ref.No.MPD.BC. /10.14.01/2009-10 February , 2010 Magha , 1931(S) To All Scheduled Commercial Banks Guidelines on the Base Rate Following the announcement in the Annual Policy Statement for the year 2009-10, the Reserve Bank constituted a Working Group on Benchmark Prime Lending Rate (Chairman: Shri Deepak Mohanty) to review the present benchmark prime lending rate (BPLR) system and suggest changes to make credit pricing more transparent. Th
জানু 07, 2009
Draft Guidelines on Classification of Exposures as Commercial Real Estate (CRE) Exposures
DBOD. No. BP.11021/ 08.12.015/ 2008-09January 7, 2009All Commercial Banks (excluding RRBs & LABs)</P>Dear Sir,Draft Guidelines on Classification of Exposures as Commercial Real Estate (CRE) ExposuresPlease refer to our circular DBS.CO.PP.BC.21/11.01.005/2004-05 dated June 29, 2005 on the captioned subject, inter alia, defining CRE Exposures (Please see Annex). In view of a number of queries received from banks and other quarters as to whether or not certain
DBOD. No. BP.11021/ 08.12.015/ 2008-09January 7, 2009All Commercial Banks (excluding RRBs & LABs)</P>Dear Sir,Draft Guidelines on Classification of Exposures as Commercial Real Estate (CRE) ExposuresPlease refer to our circular DBS.CO.PP.BC.21/11.01.005/2004-05 dated June 29, 2005 on the captioned subject, inter alia, defining CRE Exposures (Please see Annex). In view of a number of queries received from banks and other quarters as to whether or not certain
ডিচে 05, 2008
Draft Regulatory Guidelines
DNBS/PD (SC/RC) No. /10.30.000/2008-09 December…., 2008 Draft Guidelines on Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies or Reconstruction Companies (Reserve Bank) Guidelines, 200…. The Reserve Bank of India hereby notifies these guidelines, framed under Section 9(a) of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act, 2002 (SARFAESI Act) to provide for the prope
DNBS/PD (SC/RC) No. /10.30.000/2008-09 December…., 2008 Draft Guidelines on Change in or Take Over of the Management of the Business of the Borrower by Securitisation Companies or Reconstruction Companies (Reserve Bank) Guidelines, 200…. The Reserve Bank of India hereby notifies these guidelines, framed under Section 9(a) of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act, 2002 (SARFAESI Act) to provide for the prope
নৱে 14, 2008
Guidelines for accounting for Repo / Reverse repo transactions
To All RBI regulated entities (Commercial Banks, Co-operative Banks, Primary Dealers, Financial Institutions, RRBs and NBFCs) Dear Sir, Guidelines for accounting for Repo / Reverse repo transactions Please refer to our Circular IDMC.3810/11.08.10/2002-03 dated March 24, 2003 setting out uniform guidelines for accounting of repo/reverse repo transactions. These guidelines captured the character of repo/reverse repo transaction as outright sale and outright purchase as
To All RBI regulated entities (Commercial Banks, Co-operative Banks, Primary Dealers, Financial Institutions, RRBs and NBFCs) Dear Sir, Guidelines for accounting for Repo / Reverse repo transactions Please refer to our Circular IDMC.3810/11.08.10/2002-03 dated March 24, 2003 setting out uniform guidelines for accounting of repo/reverse repo transactions. These guidelines captured the character of repo/reverse repo transaction as outright sale and outright purchase as
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