RBI/2025-26/25 FIDD.CO.LBS.BC.No.05/02.08.001/2025-26 April 11, 2025 The Chairman / Managing Director & Chief Executive Officer Lead Banks concerned Madam/ Dear Sir, Reorganisation of Districts in the State of Rajasthan – Review of Lead Bank Responsibility The Government of Rajasthan had notified reorganisation of districts in the State vide Gazette Notifications Sr.P.9(21)Raj-1/2024-(1 to 9), all dated December 29, 2024. 2. As nine districts have been m...

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RBI/2025-26/24 REF.No.MPD.BC.399/07.01.279/2025-26 April 09, 2025 All Primary Dealers, Standing Liquidity Facility for Primary Dealers As announced in today’sbi-monthly Monetary Policy Resolution, the Monetary Policy Committee (MPC) has decided to reduce the policy repo rate under the Liquidity Adjustment Facility (LAF) by 25 basis points from 6.25 per cent to 6.00 per cent, with immediate effect. 2. Accordingly, the ...

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RBI/2025-26/23 DoR.RET.REC.16/12.01.001/2025-26 April 09, 2025 All banks, Madam / Sir, Penal Interest on shortfall in CRR and SLR requirements-Change in Bank Rate Please refer to Chapter VIII ofMaster Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions – 2021as well as ourcircular DoR.RET.REC.57/12.01.001/2024-25 dated February 07, 2025on the captioned subject. 2. As announced in theMonetary Policy Statement 2025-...

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RBI/2025-26/22 FMOD.MAOG.No.151/01.01.001/2025-26 April 09, 2025 All Liquidity Adjustment Facility (LAF) participants Madam/Sir, Liquidity Adjustment Facility - Change in rates As announced in theMonetary Policy Statement dated April 09, 2025, it has been decided by the Monetary Policy Committee (MPC) to reduce the policy repo rate under the Liquidity Adjustment Facility (LAF) by 25 basis points from 6.25 per cent to6.00 per centwith immediate effect. 2. Consequently...

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RBI/2025-26/21 DOR.CO.SOG(Leg) No.15/09.08.024/2025-26 April 8, 2025 All Scheduled Commercial Banks All Co-operative Banks Madam / Dear Sir Review of Regulatory Guidelines – Withdrawal of Circulars As a sequel to the recommendations of Regulation Review Authority (RRA) 2.0, a further review has been undertaken on the existing regulatory guidelines on cheques. Accordingly, the circulars listed in ‘Annex’ are withdrawn with immediate effect. Your...

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RBI/2025-26/20 A.P. (DIR Series) Circular No. 01 April 03, 2025 To, All Authorized Persons Madam / Sir Limits for investment in debt and sale of Credit Default Swaps by Foreign Portfolio Investors (FPIs) Attention of Authorised Dealer Category-I (AD Category-I) banks is invited to Schedule 1 to the Foreign Exchange Management (Debt Instruments) Regulations, 2019 notified videNotification No. FEMA. 396/2019-RB dated October 17, 2019as amended from time to time and the rel...

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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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