IMPORTANT MASTER CIRCULARS ISSUED BY RESERVE BANK OF INDIA ON 2nd July 2012

• Master Circular on Housing Finance

• Master Circular – Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002

• Master Circular - Interest Rates on Advances

• Master Circular – Foreign Contribution ( Regulation ) Act, 1976 – Obligations of Banks in Regulating Receipt of Foreign Contributions by Associations / Organizations in India

• Master Circular - Guarantees and Co-acceptances

• Master Circular – Exposure Norms

• Master Circular- Loans and Advances – Statutory and Other Restrictions

• Frauds – Classification and Reporting

• Master Circular - Lending to Priority Sector

• Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances

• Master Circular - Prudential Guidelines on Capital Adequacy and Market Discipline - Implementation of the New Capital Adequacy Framework (NCAF)

• Master Circular on Wilful Defaulters

• Master Circular - Disclosure in Financial Statements - Notes to Accounts

• Master Circular - Prudential Norms on Capital Adequacy-Basel II Framework

• Master Circular - Guidelines for Relief Measures by Banks in Areas affected by Natural Calamities

• Master Circular – Prudential norms for classification, valuation and operation of investment portfolio by banks

[1] Where applicable.

[2] Applicable in cases where banks determine provision at Branch level.