RBI/2025-26/17 DOR.CRE.REC.No.11/07.10.002/2025-26 April 1, 2025 All Primary (Urban) Co-operative Banks Madam/Dear Sir, Master Circular - Housing Finance for UCBs Please refer to theMaster Circular DOR.CRE.REC.No.6/07.10.002/2024-25 dated April 2, 2024on the captioned subject, consolidating the instructions / guidelines issued to UCBs till April 01, 2024. Attached is the revisedMaster Circular, updated to reflect all instructions issued upto March 31, 2025 on the ...

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RBI/2025-26/134 DOR.SOG(SPE).REC.8/13.03.00/2025-26 April 01, 2025 All banks authorised to operate in India Madam/ Sir, Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025 Please refer toMaster Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2016 dated March 3, 2016, andMaster Direction - Reserve Bank of India (Co-operative Banks - Interest Rate on Deposits) Directions, 2016 dated May 12, 2016. 2. In ord...

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RBI/2025-26/16 DOR.CRE.REC.No.12/08.12.001/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular – Housing Finance Please refer to theMaster Circular DOR.CRE.REC.No.07/08.12.001/2024-25 dated April 02, 2024consolidating the instructions / guidelines issued to banks till April 01, 2024 relating to Housing Finance. Attached is the revisedMaster Circular, updated to reflect all instructions issued upto March 31, 2025 on ...

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RBI/2025-26/15 DOR.CRE.REC.No.05/21.04.172/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding RRBs) Madam/ Dear Sir, Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs) Please refer to ourMaster Circular DOR.CRE.REC.No.17/21.04.172/2024-25 dated April 24, 2024on the captioned subject. Attached is the revised Master Circular, updated to reflect all instructions issued as on date on the above matter, as listed in the Annex. It may be ...

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RBI/2025-26/14 DOR.STR.REC.10/21.04.048/2025-26 April 01, 2025 The Chief Executive Officers All Primary (Urban) Co-operative Banks Madam / Dear Sir, Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs Please refer to ourMaster Circular DOR.STR.REC.9/21.04.048/2024-25 dated April 02, 2024consolidating instructions / guidelines issued to banks till March 31, 2024 on matters relating to prudential norms on income rec...

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RBI/2025-26/13 DOR.STR.REC.9/21.04.048/2025-26 April 01, 2025 All Commercial Banks (excluding RRBs) Madam / Dear Sir Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances Please refer to theMaster Circular DOR.STR.REC.8/21.04.048/2024-25 dated April 2, 2024consolidating instructions / guidelines issued to banks till March 31, 2024 on matters relating to prudential norms on income recognition, asset classific...

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RBI/2025-26/12 DOR.STR.REC.06/13.07.010/2025-26 April 01, 2025 All Scheduled Commercial Banks (excluding Payment Banks and RRBs) Dear Sir / Madam Master Circular - Guarantees and Co-acceptances Please refer to theMaster Circular DOR.STR.REC.2/13.07.010/2024-25 dated April 01, 2024consolidating the instructions / guidelines issued to banks till March 31, 2024, relating to Guarantees and Co-acceptances. Attached is the revisedMaster Circular, updated to reflect all instr...

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RBI/2025-26/11 DoR.STR.REC 07/09.27.000/2025-26 April 01, 2025 The Managing Director/ Chief Executive Officers All Primary (Urban) Co-operative Banks Dear Sir/ Madam, Master Circular - Guarantees, Co-acceptances & Letters of Credit - UCBs Please refer to ourMaster Circular DoR.STR.REC.3/09.27.000/2024-25 dated April 01, 2024on the captioned subject. Attached is the revisedMaster Circular, updated to reflect all instructions issued up to March 31, 2025 on the above ma...

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RBI/2025-26/133 DCM (NE) No.G-5/08.07.18/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer All Banks Madam / Dear Sir, Master Direction – Facility for Exchange of Notes and Coins In exercise of the powers conferred under Section 35A of the Banking Regulation Act, 1949, read with sections 28, 38, 39, 58(1) and 58(2)(q) of the Reserve Bank of India Act, 1934, Reserve Bank of India (RBI), from time-to-time issues guidelines / instruct...

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RBI/2025-26/10 DOR.MRG.No.4/21.04.141/2025-26 April 1, 2025 Madam / Sir, Reserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023 TheReserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023 were issued on September 12, 2023. Based on the market experience and practices by banks, clarifications on a few important aspects of the Direct...

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RBI/2025-26/09 DOR.CAP.REC.03/09.18.201/2025-26 April 01, 2025a All Primary (Urban) Co-operative Banks Dear Sir / Madam, Master Circular - Prudential Norms on Capital Adequacy - Primary (Urban) Co-operative Banks (UCBs) Please refer to ourMaster Circular DOR.CAP.REC.5/09.18.201/2024-25 dated April 01, 2024on the captioned subject. 2. The enclosedMaster Circularconsolidates and updates all the instructions / guidelines on the subject issued up to March 31, 2025 as l...

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RBI/2025-26/132 DCM (FNVD)/G4/16.01.05/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer All Banks Madam / Dear Sir, Master Direction on Counterfeit Notes, 2025 – Detection, Reporting and Monitoring In exercise of powers conferred under Section 35A and Section 56 of the Banking Regulation Act, 1949, Reserve Bank of India (RBI), from time-to-time issues guidelines/ instructions / directives to the banks on detection, reporting and m...

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RBI/2025-26/08 DOR.CAP.REC.2/21.06.201/2025-26 April 01, 2025 All Scheduled Commercial Banks (Excluding Small Finance Banks, Payments Banks and Regional Rural Banks) Madam / Dear Sir, Master Circular – Basel III Capital Regulations Please refer to theMaster Circular No. DOR.CAP.REC.4/21.06.201/2024-25 dated April 01, 2024, consolidating therein the prudential guidelines on Basel III capital adequacy issued to banks till that date. 2. The instructions cont...

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RBI/2025-26/07 DoR.HGG.GOV.No.1/18.10.010/2025-26 April 1, 2025 The Managing Director/Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir/Madam, Master Circular on Board of Directors - UCBs Please refer to ourMaster Circular DoR.HGG.GOV.No.1/18.10.010/2024-25 dated April 1, 2024on the captioned subject (available at RBI websitewww.rbi.org.in). The enclosedMaster Circular consolidates and updates all the instructions / guidelines on the subject issued ...

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RBI/2025-26/06 CO.DGBA.GBD.No.S2/31-12-010/2025-2026 April 1, 2025 All Agency Banks Madam / Dear Sir Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission Please refer to ourMaster Circular RBI/2024-25/07; CO.DGBA.GBD.No.S2/31-12-010/2024-2025 dated April 1, 2024on the above subject. We have now revised and updated the Master Circular which consolidates important instructions on the subject issued by the Reserve Bank of India til...

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RBI/2025-26/05 CO.DGBA.GBD.No.S1/31.02.007/2025-26 April 01, 2025 All Agency Banks Madam/Dear Sir Master Circular - Disbursement of Government Pension by Agency Banks Please refer to ourMaster Circular RBI/2024-25/06 dated April 01, 2024on the above subject. We have revised and updated the Master Circular which consolidates important instructions on the subject issued by the Reserve Bank of India till March 31, 2025. 2. A copy of the revisedMaster Circularis enclos...

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RBI/DCM/2025-26/131 DCM (CC) No.G-1/03.44.001/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer All banks Madam / Dear Sir, Master Direction – Scheme of Penalties for bank branches and currency chests for deficiency in rendering customer service to the members of public In terms of the Preamble to and Section 45 of the Reserve Bank of India Act, 1934 (RBI Act) and Section 35A of the Banking Regulation Act, 1949, Reserve Bank of...

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RBI/DCM/2025-26/130 DCM (CC) No.G-2/03.35.01/2025-26 April 01, 2025 The Chairman / Managing Director / Chief Executive Officer (All banks having Currency Chests) Madam / Dear Sir, Master Direction on Penal Provisions in reporting of transactions / balances at Currency Chests In terms of the Preamble to and Section 45 of the Reserve Bank of India Act, 1934 (RBI Act) and Section 35A of the Banking Regulation Act, 1949, Reserve Bank of India issues guidelines / instructions...

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RBI/2025-26/04 FIDD.CO.LBS.BC.No.03/02.01.001/2025-26 April 01, 2025 The Chairman/Managing Director/Chief Executive Officer SLBC/UTLBC Convenor Banks/Lead Banks Madam/Dear Sir, Master Circular – Lead Bank Scheme The Reserve Bank of India has issued a number of guidelines/ instructions on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines/ instructions issued by Reserve Bank of India on Lead Bank Scheme up to March 31, 20...

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RBI/2025-26/03 FIDD.CO.GSSD.BC.No.02/09.09.001/2025-26 April 01, 2025 The Chairman/ Managing Director / Chief Executive Officer All Scheduled Commercial Banks (including Small Finance Banks) Madam/ Dear Sir, Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) The Reserve Bank of India has, from time to time, issued a number of guidelines/instructions to banks on credit facilities to Scheduled Castes (SCs) & Scheduled Tribes ...

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RBI/2025-26/02 FIDD.GSSD.CO.BC.No.01/09.01.003/2025-26 April 1, 2025 The Chairman/Managing Director & CEO Public Sector Banks, Private Sector Banks (including Small Finance Banks) Madam/Dear Sir, Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) Please refer to theMaster Circular FIDD.GSSD.CO.BC.No.03/09.01.003/2024-25 dated April 16, 2024on Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM...

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RBI/2025-26/01 FIDD.CO.FID.BC.No.4/12.01.033/2025-26 April 01, 2025 The Chairman/ Managing Director/ Chief Executive Officer All Scheduled Commercial Banks Madam/ Dear Sir Master Circular on SHG-Bank Linkage Programme The Reserve Bank of India has, from time to time, issued a number of guidelines/instructions to banks on SHG-Bank Linkage Programme. The enclosedMaster Circularconsolidates the circulars issued by Reserve Bank on the subject up to March 31, 2025, as in...

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RBI/DOR/2024-25/135 DOR.STR.REC.72/21.04.048/2024-25 March 29, 2025 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Cooperative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) Revised norms for Government Guaranteed Security Receipts (SRs) TheMaster Direction on Transfer of Loan Exposur...

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RBI/2024-25/134 CO.DPSS.RPPD.No.S1278/03-01-002/2024-2025 March 28, 2025 The Chairman and Managing Director / Chief Executive Officer All Scheduled Commercial Banks including Regional Rural Banks / Urban Co-operative Banks / State Co-operative Banks / District Central Co-operative Banks / Local Area Banks / Payment Banks / Small Finance Banks / National Payments Corporation of India Madam / Dear Sir, Special Clearing Operations on March 31, 2025 A refere...

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RBI/2024-25/133 Ref.No.IDMD.2320/08.01.01/2024-25 March 27, 2025 All participants in the Government Securities market. Madam / Sir, General Notification for Sale and Issue of Government of India Securities (including Treasury Bills and Cash Management Bills) Please refer to ourcirculars IDMD.2592/08.01.01/2017-18 dated April 09, 2018, forwarding therewith a copy of theGeneral Notification F.No.4(2)-W&M/2018 dated March 27, 2018issued by the Government of India for s...

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RBI/2024-25/132 DoR.AUT.REC.71/23.67.001/2024-25 March 25, 2025 Madam/Dear Sir Gold Monetization Scheme (GMS), 2015 - Amendment Government of India, vide its press release ID 2115009 dated March 25, 2025 regarding Gold Monetization Scheme (GMS) has decided to discontinue the Medium Term and Long Term Government Deposit (MLTGD) components of GMS with effect from March 26, 2025. Accordingly, any gold deposits tendered at the designated Collection and Purity Testing Centre (CPT...

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RBI/DOR/2024-25/129 DOR.CAP.REC.No.70/21.06.201/2024-25 March 25, 2025 All Regional Rural Banks Dear Sir/ Madam, Master Direction – Reserve Bank of India (Prudential Norms on Capital Adequacy for Regional Rural Banks) Directions, 2025 The Reserve Bank of India has, from time to time, issued several guidelines / instructions / directives on Prudential Norms on Capital Adequacy for Regional Rural Banks (RRBs). 2. To enable RRBs to have current instructions ...

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RBI/FIDD/2024-25/128 Master Directions FIDD.CO.PSD.BC.13/04.09.001/2024-25 March 24, 2025 The Chairman / Managing Director/ Chief Executive Officer All Commercial Banks including Regional Rural Banks, Small Finance Banks, Local Area Banks and Primary (Urban) Co-operative Banks other than Salary Earners’ Banks Madam/Dear Sir, Master Directions - Reserve Bank of India (Priority Sector Lending – Targets and Classification) Directions, 2025 The Reserve Bank o...

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RBI/2024-25/131 FIDD.CO.PSD.BC.No.12/04.09.001/2024-25 March 24, 2025 The Chairman / Managing Director/ Chief Executive Officer [All Scheduled Commercial Banks (including Regional Rural Banks)/ Primary (Urban) Co-operative Banks/ Local Area Banks] Madam/ Dear Sir, Priority Sector Lending Certificates Please refer to para (v) of the Annex tocircular RBI/2015-16/366/ FIDD.CO.Plan.BC.23/04.09.01/2015-16 dated April 07, 2016on the captioned subject. 2. The item...

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RBI/2024-25/130 DOR.CRE.REC.69/07.10.002/2024-25 March 24, 2025 Primary (Urban) Co-operative Banks other than Salary Earners’ Banks Madam / Dear Sir, Review of Priority Sector Lending (PSL) Target – Urban Co-operative Banks (UCBs) In terms of paragraph 3 of thecircular DOR (PCB).BPD.Cir No.10/13.05.000/2019-20 dated March 13, 2020, read with paragraph 2 of thecircular DOR.CRE.REC.18/07.10.002/2023-24 dated June 8, 2023, UCBs are required to achieve an overall PSL ...

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