RBI/2005-06/161 DBOD.No. BL.BC. 36 /22.01.001/2005, DT. 08/09/2005

Section 23 of Banking Regulation Act, 1949-Master Circular on Branch Authorisation (Part - I)

Reserve Bank of India has been issuing instructions to commercial banks regarding opening/shifting/closing of branches/ offices, etc. from time to time. With the objective of liberalising and rationalising the policy for opening of branches by Indian banks in India, it has been decided to put in place a framework for a branch authorisation policy which would be consistent with the medium term corporate strategy of banks and public interest. Detailed guidelines in this regard are enclosed.

2. Foreign banks may be guided by paragraph 16 of this Master Circular.

3. This Master Circular supercedes all earlier instructions relating to branch authorisation.

Yours faithfully,

( Anand Sinha)
Chief General Manager- in - Charge.

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Master Circular on Branch Authorisation

1. Legal Requirement

The opening of new branches and shifting of existing branches of banks is governed by the provisions of Section 23 of the Banking Regulation Act, 1949. In terms of these provisions, the bank cannot, without the prior approval of the Reserve Bank of India (RBI), open a new place of business in India or abroad or change, otherwise than within the same city, town or village, the location of the existing place of business. Section 23 (2) of the Banking Regulation Act lays down that before granting any permission under this section, the Reserve Bank may require to be satisfied, by an inspection under Section 35 or otherwise, as to the financial condition and history of the banking company, the general character of its management, the adequacy of its capital structure and earning prospects and that public interest will be served by the opening or, as the case may be, change of location of the existing place of business. Therefore, it is mandatory for commercial banks and urban cooperative banks to obtain prior approval of Reserve Bank before opening a new branch/ office. Commercial banks including Local Area Banks (other than RRBs) should approach Department of Banking Operations & Development, Central Office, Urban Co-operative Banks should approach Urban Banks Department and Regional Rural Banks should approach Rural Planning and Credit Department in this regard.

2. Overseas branches

The current policy for authorisation of overseas branches of Indian banks will continue. The following guidelines relate to the policy for authorisation of branches in India.

3. Definition

For the purpose of branch authorisation policy, a “branch” would include a full fledged branch, a satellite office, an extension counter, an off-site ATM, administrative office, controlling office, service branch (back office or processing centre) and credit card centre. A call centre will not be treated as a branch.

A call centre is one where only accounts or product information is provided to the customer through tele-banking facility and no banking transaction is undertaken through such centres.

4. Branch Authorisation Policy

(i) With the objective of liberalising and rationalising the branch authorisation policy, it has been decided to put in place a framework for a branch authorisation policy which would be consistent with the medium term corporate strategy of banks and public interest. In addition to the requirement relating to the financial condition and history of the banking company, the general character of its management, the adequacy of its capital structure and earning prospects, the new branch authorisation policy framework would have the elements enumerated in the following paragraphs.

(ii) As regards the public interest dimensions of the policy framework, the following aspects would be kept in view in processing the authorisation requests:

(a) The RBI will, while considering applications for opening branches give weightage to the nature and scope of banking facilities provided by banks to common persons, particularly in underbanked areas, actual credit flow to the priority sector, pricing of products and overall efforts for promoting financial inclusion, including introduction of appropriate new products and the enhanced use of technology for delivery of banking services.

(b) Such an assessment will include policy on minimum balance requirements and whether depositors have access to minimum banking or “no frills” banking services, commitment to the basic banking activity viz., acceptance of deposits and provision of credit and quality of customer service as, inter alia, evidenced by the number of complaints received and the redressal mechanism in place in the bank for the purpose.

(c) The need to induce enhanced competition in the banking sector at various locations.

(d) Regulatory comfort will also be relevant in this regard. This would encompass:

compliance with not only the letter of the regulation but also whether the bank’s activities are in compliance with the spirit and underlying principles of the regulations.

the activities of the banking group and the nature of relationship of the bank with it’s subsidiaries, affiliates and associates.

quality of corporate governance, proper risk management systems and internal control mechanism.

(iii) As regards the procedural aspects, the existing system of granting authorisations for opening individual branches from time to time, would be replaced by a system of giving aggregated approvals, on an annual basis, through a consultative and interactive process. Banks' branch expansion strategies and plans over the medium term would be discussed by the RBI with individual banks. The medium term framework and the specific proposals would cover the opening, closing and shifting of all categories of branches including the ATMs. Normally, the authorisations/ approvals, given on an annual basis would be valid for one year, from the date of communication.

5. The policy will be implemented with due flexibility.

6. Process for application

Based on the medium term strategy and considerations outlined in paragraph 4 above, banks should submit on an annual basis detailed proposals for opening new branches at specific centres in the prescribed Form VI (Rule 12) in terms of Banking Regulation (Companies Rules), 1949, to the Department of Banking Operations and Development, Central Office, Reserve Bank of India, Mumbai for approval (vide Annex I). Along with this, information sought in Annex II should also be furnished. The branch expansion plan should include specific proposals for opening, closing, shifting and conversion of branches. Conversion would include upgradation of extension counter and conversion of a specialised branch into a general banking branch. The annual branch expansion plan will be discussed with the bank, normally, within four weeks from the submission thereof and approvals of branches will be communicated thereafter. The authorisations will be valid for one year from the date of communication.

7. Call Centres

No permission is required for establishment of a “call centre” as defined in paragraph 3. However, details of opening, closure and shifting of call centres should be reported to RBI as provided in paragraph 15.

8. Opening of branches

In order to facilitate banks to identify centres in underbanked districts, a list of such districts is given in Annex - III.

As Service Area Approach is no longer relevant, banks may include proposals for opening branches at rural centres in the Annual Plan submitted to Reserve Bank of India.

9. Shifting of branches

Shifting of branches would be a part of the medium term corporate strategy of branch expansion. Accordingly, proposals in this regard should be included in the Annual Plans. Banks should, however, ensure that customers of the branch which is being shifted are informed well in time before actual shifting of the branch so as to avoid inconvenience.

9.1 Rural branches

9.1.1 Within the block

Banks are free to shift their rural branches within the block without obtaining prior approval from RBI. However, banks while considering requests for shifting of rural branches should keep in mind the role entrusted to these branches under the Government sponsored programmes.

9.1.2 Outside the block

At rural centres which are served by more than one commercial bank branch (excluding Regional Rural Bank branch), request for shifting of rural branches outside the block will be considered based on the following parameters:

i) Branches being shifted are in existence for five years or more and are incurring losses consecutively for the last three years;

ii) Branches located at centres suffering from certain natural risks beyond the control of the bank, such as, those which are prone to floods, landslides or likely to be submerged due to construction of dams or affected by natural calamities etc;

iii) Branches functioning in places where law and order problem or where terrorist activities pose threat to bank personnel and property;

iv) Branches where the premises occupied by the bank are in a dilapidated condition or burnt/destroyed and no suitable premises are available at the Centre;

9.2 At Metropolitan, Urban & Semi-Urban centres

The banks may at their discretion shift their branches in metropolitan/urban/semi-urban centres within the municipal limit of that centre i.e. city/town without prior approval from RBI.

Banks may also shift their branches within the same State subject to the following conditions:

i) The new centre is of the same or lower population group as the existing centre e.g., a branch at an urban centre can be shifted to another urban/ semi-urban or rural centre within the same State but not to a metropolitan centre;

ii) A centre located in underbanked district can be substituted by another centre in an underbanked district only.

10. Closure of branches

10.1 Rural branches

Closure of rural branches would require the permission of Reserve Bank of India. While closure of even loss making branches at rural centres having a single commercial bank branch (excluding Regional Rural Bank branch) is not permitted, proposal for closure of a branch served by more than one commercial bank branch should be included in the Annual Plan after obtaining approval of District Consultative Committee (DCC).

10.2 Metropolitan, Urban & Semi-Urban branches

Banks are permitted to close any branch in metropolitan, urban and semi-urban centre without seeking prior approval from RBI. Where a semi-urban branch has been assigned a role under Government sponsored programme, the bank should keep this aspect in mind before closing the branch.

11. Conversion of branches

11.1 Banks are free to convert the existing extension counters into branches as per their discretion and relocate them within that Centre. They should inform the concerned Regional Office of Reserve Bank of India before effecting the conversion into a branch.

11.2 Banks are free to convert the existing specialised branches into general banking branches without seeking prior approval from Reserve Bank of India.

12. Validity of Authorisation

With a view to ensuring expeditious utilisation of authorisations so as to make it coterminous with the annual plan of the bank, the validity of authorisation would be for one year from the date of communication of approval.

13. Acquisition of premises- Opening of branches

The banks, while opening of branches should ensure that the acquisition of premises for the branch complies with the State Government and Municipal laws.

14. Classification of Centres

For the purpose of correct classification of a centre i.e. rural, semi urban or urban, in case of doubt, banks may ascertain the population group-wise classification of the centre from the Department of Statistical Analysis & Computer Services (DESACS), Reserve Bank of India, Banking Statistics Division, C-8/9, Bandra-Kurla Complex, Mumbai-400051, before approaching Department of Banking Operations and Development, Central Office with their annual plan proposals.

15. Reporting to Reserve Bank of India

15.1 Banks should immediately report details of any new place of business and closure, shifting or conversion of any existing place of business to the concerned Regional Office of Reserve Bank of India except for Maharashtra and Goa, where it should be reported to Department of Banking Operations and Development, Central Office, Mumbai. The banks should also report the details of opening, closure and shifting of call centres.

15.2 Branch Banking Statistics

Banks should submit within fourteen days of every quarter, information relating to opening, closure, shifting and conversion of branches in Proformae I & II (Annex-IV) to DESACS, (Banking Statistics Division) and the concerned Regional Office of RBI. ‘Nil' statement must be submitted in case there is nothing to report. The banks should also report the details of opening, closure and shifting of call centres.

16. Foreign banks

The branch authorization policy for Indian banks shall also be applicable to foreign banks subject to the following:

Foreign banks are required to bring an assigned capital of US$25 million up front at the time of opening the first branch in India.

Existing foreign banks having only one branch would have to comply with the above requirement before their request for opening of second branch is considered.

Foreign banks will be required to submit their branch expansion plan on an annual basis.

In addition to the parameters laid down for Indian banks the following parameters would also be considered for foreign banks:

Foreign bank’s and its group’s track record of compliance and functioning in the global markets would be considered. Reports from home country supervisors will be sought, wherever necessary.

Weightage would be given to even distribution of home countries of foreign banks having presence in India.

The treatment extended to Indian banks in the home country of the applicant foreign bank would be considered.

Due consideration would be given to the bilateral and diplomatic relations between India and the home country.

The branch expansion of foreign banks would be considered keeping in view India’s commitments at W.T.O. ATMs will not be included in the number of branches for such computation.

Accordingly, foreign banks should submit their annual branch expansion plan to the Department of Banking Operations and Development, Central Office, Mumbai.

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Annex 1

Form of application for permission to open a new place of business or change the location (otherwise than within the same city, town or village) of the existing place of business under Section 23 of the Banking Regulation Act, 1949 - Banking Regulation (Companies) Rules 1949 Rule 12 Form VI

Address .................

Date ......................

........................................

Department of Banking Operations and Development
Reserve Bank of India

.............................

Dear Sir,

We hereby apply for permission to * open a new place of business / change the location at .................. of an existing place of business from ................ to ................ in terms of section 23 of the Banking Regulation Act, 1949. We give below the necessary information in the form prescribed for the purpose.

Yours faithfully,

Signature ................

1.	Name of the Banking Company	:
2.	Proposed Office (Give the following information)
	(a) Name of city/town/village: (in case the place is known by more than one name, the relative information should also be furnished)
	(b) Name of the locality/location	:
	(c) Name of i) Block ii) Tehsil iii)District iv) State / Taluka	: : : :
	(d) Status of the proposed office	:
	(e) The distance between the proposed office and the nearest existing commercial bank office together with the name of the bank and that of the centre/locality	:
	@(f) Name of the Commercial banks and the number of their offices functioning within the radius of 5 kms. together with the names of centres where these are functioning	:
3.	Previous application (Give particulars of applications if any previously made to the Reserve Bank in respect of the proposed place of business)	:
4.	Reasons for the proposed office (State detailed reasons for the proposed office and give statistics and other data, as under, which may have been collected for the proposed office)	:
	(i) Population of the place	:
	@(ii) Particulars of the command area (i.e. the area of the operation of the proposed office)	:
	(a) Approximate radius of the command area	:
	(b) Population	:
	(c) Number of villages in the command area	:
	(iii) The volume and value of the agricultural mineral and industrial production and imports and exports in the area of operation of the proposed office as under	:

Commodity	Production		Imports		Exports
	Volume	Value	Volume	Value	Volume	Value
(1)	(2)	(3)	(4)	(5)	(6)	(7)

(iv)	If there are schemes for agricultural mineral or industrial development, give details of the same and their probable effects on the volume and value of the present production, imports and exports.	:
(v)	If the existing banking facilities are considered inadequate, give reasons	:
(vi)	Prospects: Give as under, an estimate of minimum business which the banking company expect to attract at the proposed place of business within 12 months a) Deposits : Amount in thousands of rupees. b) Advance : Amount in thousands of rupees.	:

5.	Change of location of an existing office (Give the exact location of the office which is proposed to be closed and of the place where it is proposed to be shifted giving particulars of the new location as in Item 2,3, & 4)	*Estimate of annual Expenditure
		a) Establishment Charges	Rs.
		b) Stationery & Miscellaneous	Rs.
6.	Expenditure: (State the amount already spent or proposed to be spent on staff, premises, furniture, stationery, advertising etc. in connection with the proposed office. Also State that minimum income which the banking company expects to earn at the proposed office within 12 months)	c) Rent & Bldg.	Rs.
		d) Interest to be paid on deposits	Rs.
		e) Interest on funds borrowed from
		H.O.on Rs.___@___%	Rs.
		TOTAL	Rs.

Estimated annual Income :
a) Interest on advances	Rs.
b) Commission	Rs.
c) Exchange	Rs.
d) Interest on funds lent to H.O.	Rs.
TOTAL :	Rs.
Estimated Profits	Rs.

7. Other particulars:

(Any additional facts which the banking company may wish to add in support of its application)

* The portion not applicable to be struck off.

@ The information need be furnished only in the case of application for centres with a population of less than one lakh.

NB :

1. The words 'office' and 'offices', wherever they occur in this form, include a place or places of business at which deposits are received, cheques cashed, moneys lent or any other form of business referred to in sub-section (1) of section 6 of the Act is transacted.

2. Item (5) to be replied to if the application is for changing the location of an existing place of business.

3. If a banking company is unable or unwilling to supply full details in respect of any of the items, reasons for the omission may be given.

4. The information asked for in items (2), (3), (4), (5) and (6) is to be given separately for each office where the application relates to the opening of or changing the location of more than one office.

5. In the case of change of the location of "administrative office" where no banking business is transacted or proposed to be transacted (such as "Registered Office, Central Office or Head Office") only an application in the form of a letter need be submitted, indicating the reasons for the change.

Annex 2

Summary of Proposal submitted for opening of new branches & Off-site ATMs
(Details of DCC approval may please be furnished, wherever applicable)
Sr. No.	Name of the State:		________________________________
A. Underbanked Districts $$$
	¯		Classification of branches- Population category-wise
	Name of the District	Name of the Centre within the District	Metropolitan		Urban		Semi Urban		Rural		Total
			Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs
1
2
3
4
5
B.Districts other than Underbanked
Classification of branches- Population category-wise
	Name of the District	Name of the Centre within the District	Metropolitan		Urban		Semi Urban		Rural		Total
			Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs	Bran-ches	Off-site ATMs
1
2
3
4
5

Sr. No. Name of the State Underbanked areas $$$
	¯	No. of branches
		Metro	Urban	Semi Urban	Rural	Total	%of Rural branches to Total branches	No. of Off-site ATMs	Grand Total
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
	Total
Sr. No.	Name of the State	Areas other than Underbanked areas $$$
	¯	No. of branches
		Metro	Urban	Semi Urban	Rural	Total	%of Rural branches to Total branches	No. of Off-site ATMs	Grand Total
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
	Total
	Grand Total (Underbanked areas + Other areas)

Merger of branches
(Details of DCC approval may please be furnished, wherever applicable)
Sr. No.	Name of the State	Name of the branch (Centre) being merged	Population category-wise classification @@@	Whether Underbanked area (Y/N) $$$	Name of the branch (Centre) with which it is being merged	Population category-wise classification @@@	Remarks
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
^@@@ Please indicate whether Metro/ Urban/ Semi Urban/ Rural

Proposal for shifting of branches ***
(Details of DCC approval may please be furnished, wherever applicable)
Sr. No.	Name of the State	Name of the Centre (From)	Name of the Centre (To)	From	To	From	To	From	To
				Underbanked $$$	Under-banked $$$	Others	Under-banked $$$	Others	Others
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Proposal for closure of branches
Sr. No.	Name of the State	Name of the branch (Centre)	Population category-wise classification @@@	Whether Underbanked area (Y/N)	Reasons for closure
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

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Annex II

Name of the Bank: ____________________________
Branch Authorisation Proposals for 2005-06                    (Paragraph 6)
Questionnaire

1) Medium Term Policy for Branch Expansion Programme of the Bank:

Bank may furnish details of the proposed Medium Term Policy for its branch expansion inclusive of branches & ATMs for a period of 3 years

2) Expected level of business in the next 3 years-

a. Deposits
b. Advances

3) Expected customer base
4) Technology implementation:

a. No. of branches fully computerized
b. No. of branches with network connectivity
c. No. of branches with Core Banking Solution (CBS)

The bank may also submit a brief write-up on the existing technological infrastructure, various technology initiatives undertaken and the proposed enhancement/ upgradation of technology for achieving its business goals in the medium term

5) Measures to promote financial inclusion:

The bank may furnish details of the various levels/ slabs of minimum balance required to be maintained by customers and the related services offered by the bank linked to such multiple levels/ slabs of minimum balance.

6) Schedule of Charges of Products & Services offered:

The bank may forward the Schedule of Charges for various products and services offered to its customers.

7) Steps proposed to be taken by the bank to ensure that the quality of customer service does not get adversely affected due to expansion of branches.

8) Details relating to Credit Deposit Ratio:

Particulars	Rural	Semi-urban	Urban	Metropolitan	Total
Deposits
Advances
Credit-deposit ratio
Deposits per branch
Advances per branch

9) Measures proposed by the bank to address the following issues arising out of scaling up of operations due to the proposed branch expansion-

Internal control and audit

Housekeeping and reconciliation

Other areas of operational risk

HR issues

10) Number of complaints received by the bank during last two years

11) Any other information:

Annex 3

State-wise List of Districts considered Underbanked (Paragraph 8)
	ANDHRA PRADESH		ARUNACHAL PRADESH
1	ADILABAD	1	CHUNGLANG
2	ANANTAPUR	2	DIBANG VALLEY
3	CUDDAPAH	3	LOWER DIBANG VALLY
4	KARIMNAGAR	4	EAST KAMENG
5	KHAMMAM	5	LOHIT
6	KURNOOL	6	ANJAW
7	MAHBUBNAGAR	7	LOWER SUBANSIRI
8	MEDAK	8	KURUNG KUMEY
9	NALGONDA	9	TIRAP
10	RANGAREDDY	10	UPPER SIANG
11	SRIKAKULAM	11	UPPER SUBANSIRI
12	VIZIANAGARAM
13	WARANGAL		DADRA&NAGAR HAVELI
		1	DADRA&NAGAR HAVELI
	ASSAM
1	BARPETA		GUJARAT
2	BONGAIGAON	1	AMRELI
3	CACHAR	2	BANAS KANTHA
4	DARRANG	3	BHAVNAGAR
5	DHEMAJI	4	DAHOD
6	DHUBRI	5	DANGS
7	DIBRUGARH	6	JUNAGADH
8	GOALPARA	7	MAHESANA
9	GOLAGHAT	8	NARMADA
10	HAILAKANDI	9	PANCH MAHALS
11	JORHAT	10	SABAR KANTHA
12	KAKROJHAR	11	SURAT
13	KAMRUP METROPOLITAN	12	SURENDRANAGAR
14	KARBI ANGLONG
15	KARIMGANJ		CHHATTISGARH
16	LAKHIMPUR	1	BASTAR
17	MORIGAON	2	BILASPUR
18	NAGAON	3	DANTEWADA
19	NALBARI	4	DHAMTARI
20	SIBSAGAR	5	DURG
21	SONITPUR	6	JANJGIR-CHAMPA
22	TINSUKIA	7	JASHPUR
		8	KANKER
	BIHAR	9	KAWARDHA
1	ARARIA	10	KORBA
2	ARWAL	11	MAHASAMUND
3	AURANGABAD	12	RAIGARH
4	BANKA	13	RAIPUR
5	BEGUSARAI	14	RAJNANDGAON
6	BHAGALPUR	15	SURGUJA
7	BHOJPUR
8	BUXAR
9	DARBHANGA
	BIHAR		JAMMU & KASHMIR
10	GAYA	1	ANANTNAG
11	GOPALGANJ	2	DODA
12	JAMUI	3	KUPWARA
13	JEHANABAD	4	POONCH
14	KAIMUR
15	KATIHAR		HARYANA
16	KHAGARIA	1	FATEHABAD
17	KISHANGANJ	2	JHAJJAR
18	LAKHISARAI	3	JIND
19	MADHEPURA	4	KAITHAL
20	MADHUBANI	5	MAHENDRAGARH
21	MUNGER
22	MUZAFFARPUR		JHARKHAND
23	NALANDA	1	BOKARO
24	NAWADA	2	CHATRA
25	PASCHIMI CHAMPARAN	3	DEOGHAR
26	PURBI CHAMPARAN	4	DHANBAD
27	PURNIA	5	DUMKA
28	ROHTAS	6	GARHWA
29	SAHARSA	7	GIRIDIH
30	SAMASTIPUR	8	GODDA
31	SARAN	9	GUMLA
32	SHEIKHPURA	10	HAZARIBAG
33	SHEOHAR	11	JAMTARA
34	SITAMARHI	12	KODERMA
35	SIWAN	13	LATEHAR
36	SUPAUL	14	LOHARDAGGA
37	VAISHALI	15	PAKUR
		16	PALAMAU
	KARNATAKA	17	PASCHIMI SINGHBHUM
1	BANGALORE RURAL	18	SAHEBGANJ
2	BIDAR	19	SARAIKALAN
3	CHAMARAJANAGAR
4	GULBARGA		KERALA
5	KOPPAL	1	MALAPPURAM
6	RAICHUR
			MANIPUR
	MADHYA PRADESH	1	BISHENPUR
1	ASHOKNAGAR	2	CHANDEL
2	ANUPPUR	3	CHURACHANDPUR
3	BALAGHAT	4	IMPHAL EAST
4	BARWANI	5	IMPHAL WEST
5	BETUL	6	TAMENGLONG
6	BHIND	7	THOUBAL
7	BURHANPUR	8	UKHRUL
8	CHHATARPUR
9	CHHINDWARA
10	DAMOH
11	DATIA
12	DEWAS
13	DHAR
	MADHYA PRADESH		MAHARASHTRA
14	DINDORI	1	AHMADNAGAR
15	EAST NIMAR	2	AKOLA
16	GUNA	3	AMRAVATI
17	HARDA	4	AURANGABAD
18	HOSHANGABAD	5	BHANDARA
19	JHABUA	6	BID
20	KATNI	7	BULDHANA
21	MANDLA	8	DHULE
22	MANDSAUR	9	GADCHIROLI
23	MORENA	10	GONDIA
24	NARSIMHAPUR	11	HINGOLI
25	NEEMUCH	12	JALGAON
26	PANNA	13	JALNA
27	RAISEN	14	KOLHAPUR
28	RAJGARH	15	LATUR
29	RATLAM	16	NANDED
30	REWA	17	NANDURBAR
31	SAGAR	18	NASIK
32	SATNA	19	OSMANABAD
33	SEHORE	20	PARBHANI
34	SEONI	21	SATARA
35	SHAHDOL	22	SOLAPUR
36	SHAJAPUR	23	THANE
37	SHEOPUR	24	WARDHA
38	SHIVPURI	25	WASHIM
39	SIDHI	26	YAVATMAL
40	TIKAMGARH
41	UMARIA		MEGHALAYA
42	VIDISHA	1	EAST GARO HILLS
43	WEST NIMAR	2	SOUTH GARO HILLS
		3	WEST GARO HILLS
	ORISSA
1	ANGUL		MIZORAM
2	BALANGIR	1	LAWNGTLAI
3	BALESHWAR	2	SAIHA
4	BARGARH
5	BHADRAK		NAGALAND
6	BOUDH	1	DIMAPUR
7	DHENKANAL	2	KOHIMA
8	GAJAPATI	3	KHIRPE
9	GANJAM	4	LONGLENG
10	JAJPUR	5	MOKOKCHUNG
11	KALAHANDI	6	MON
12	KANDHAMAL	7	PEREN
13	KENDRAPARA	8	PHEK
14	KEONJHAR	9	TUENSANG
15	KORAPUT	10	WOKHA
16	MALKANGIRI	11	ZUNHEBOTO
17	MAYURBHANJ
18	NAWAPARA		PUNJAB
19	NAWRANGPUR	1	MANSA
	ORISSA		SIKKIM
20	RAYAGADA	1	WEST SIKKIM
21	SONEPUR
22	SUNDARGARH		TAMIL NADU
		1	CUDDALORE
	PONDICHERRY	2	DHARMAPURI
1	YANAM	3	KANCHEEPURAM
		4	KRISHNAGIRI
	RAJASTHAN	5	NAGAPATTINAM
1	ALWAR	6	PERAMBALUR
2	BANSWARA	7	PUDUKKOTTAI
3	BARAN	8	RAMANATHAPURAM
4	BARMER	9	SALEM
5	BHARATPUR	10	THIRUVALLUR
6	BHILWARA	11	THIRUVARUR
7	BUNDI	12	TIRUVANNAMALAI
8	CHITTAURGARH	13	VELLORE
9	CHURU	14	VILLUPURAM
10	DAUSA
11	DHOLPUR		TRIPURA
12	DUNGARPUR	1	DHALAI
13	HANUMANGARH	2	NORTH TRIPURA
14	JALOR	3	SOUTH TRIPURA
15	JHALAWAR	4	WEST TRIPURA
16	JHUNJHUNU
17	JODHPUR		UTTAR PRADESH
18	KARAULI	1	AGRA
19	NAGAUR	2	ALIGARH
20	PALI	3	ALLAHABAD
21	RAJSAMAND	4	AMBEDKAR NAGAR
22	SAWAI MADHOPUR	5	AURAIYA
23	SIKAR	6	AZAMGARH
24	TONK	7	BAGHPAT
25	UDAIPUR	8	BAHRAICH
		9	BALLIA
	WEST BENGAL	10	BALRAMPUR
1	BANKURA	11	BANDA
2	BARDDHAMAN	12	BARA BANKI
3	BIRBHUM	13	BAREILLY
4	DAKSHIN DINAJPUR	14	BASTI
5	HAORA	15	BIJNOR
6	HUGLI	16	BUDAUN
7	JALPAIGURI	17	BULANDSHAHR
8	KOCH BIHAR	18	CHANDAULI
9	MALDAH	19	CHITRAKOOT
10	MURSHIDABAD	20	DEORIA
11	NADIA	21	ETAH
12	NORTH 24 PARGANAS	22	ETAWAH
13	PASCHIM MEDINIPUR	23	FAIZABAD
14	PURULIYA	24	FARRUKHABAD
15	SOUTH 24 PARGANAS	25	FATEHPUR
16	UTTAR DINAJPUR	26	FIROZABAD
			UTTAR PRADESH
		27	GHAZIPUR
		28	GONDA
		29	GORAKHPUR
		30	HAMIRPUR
		31	HARDOI
		32	HATHRAS
		33	JALAUN
		34	JAUNPUR
		35	JHANSI
		36	JYOTIBA PHULE NAGAR
		37	KANAUJ
		38	KAUSHAMBI
		39	KHERI
		40	KUSHI NAGAR
		41	LALITPUR
		42	MAHARAJGANJ
		43	MAHOBA
		44	MAINPURI
		45	MATHURA
		46	MAU
		47	MIRZAPUR
		48	MORADABAD
		49	MUZAFFARNAGAR
		50	PILIBHIT
		51	PRATAPGARH
		52	RAI BARELI
		53	RAMPUR
		54	SAHARANPUR
		55	SANT KABIR NAGAR
		56	SANT RAVIDAS NAGAR
		57	SHAHJAHANPUR
		58	SHRAVASTI
		59	SIDHARTHANAGAR
		60	SITAPUR
		61	SONBHADRA
		62	SULTANPUR
		63	UNNAO

Annex 4

PROFORMA-I

Statement of New Branch/office/NAIO as and when opened:

---

(Please read the Instructions before filling the proformae–I&II)

Items

1.(a) Name of the Commercial Bank/Other Financial Institution/         Co-operative institution:____________
(b) Proforma for:

Branch/Office of a Bank         ( )
Not Administratively Independent Office (NAIO)     ( )
Branch/Office of Other Financial Institution       ( )
(Put tick mark (Ö) in appropriate box)

(c) Uniform Codes: Part-I(7/9 digits): ccccccc cc
See Instructions I, II,III; see Explanations also) (For NAIOs)

Part-II (7 digits): ccccccc
(To be allotted by RBI)
(See Instructions I, II,III; see Explanations also)

2. (a) Name of the new branch/office/NAIO
(b) RBI Reference No._______________
and Reference Date: cc cc cccc
                            Day   Month Year

(c) Licence Number:_______________
(as obtained from RBI)

(d) Date of Licence: cc cc cccc
(See explanation)     Day   Month Year

(e) Whether it is a case of Re-Validation of licence:
                    Yes ( )     No ( )

If yes, give the date of re-validation(See explanation):

cc cc cccc
Day   Month Year

3. Date of opening of the cc cc cccc
New Branch/office/NAIO: Day     Month Year

4. Postal address:

4.1 Name/Municipal Number of
the building (if any): ______________________________

4.2 Name of the Road (if any): __________________________

4.3 (a) Name of the Post Office: ________________________
(b) Pin Code: cccccc

4.4 Name of the locality within a
Centre (Revenue unit): _____________________________
(See explanation)

4.5 Name of Tehsil/Taluka/Sub-Division: _________________

4.6 Tel.No. /Telex No. (Including STD code): ____________

4.7 Fax No.: ________________

4.8 E-mail Address: _____________________

5.(a)Name of the centre(revenue village/town/city/
Municipality/Municipal Corporation) within
the limits of which branch/office is located: ______________
(This is very important aspect: See explanation)

(b) Name of Community Development Block/Development Block/Tehsil/
Taluka/Sub-Division/Mandal/Police Station:______________________

(c) Name of the District: _____________________

(d) Name of the State: ____________________

(e) Population of the Centre (revenue unit)
as per latest Census report: ________________
(See explanation)

6. Is/are there any other administratively
independent bank branch(es)/office(s) other
than your branch/office/NAIO in your center: Yes: (   )           No: (   )
(See explanation and put tick mark (Ö) in appropriate box)

7. (a) Business Status of the new branch/office/NAIO (See explanation):
Code: cc Status Name:- ______________________

(b) In case of NAIO, supply the following details (See explanation):

(i) Name of the base branch/office: ____________________
(ii) Uniform code numbers of the base branch/office

Part-I (7 digits): ccccccc
Part-II(7 digits): ccccccc

8. (i)(a) Status of Central Government Business:
(Put tick mark (Ö) in appropriate box)
Type of Central Government Business

(1)     (   ) No Govt. Business
(2)     (   ) Direct Taxes
(3)     (   ) Departmentalised Ministries Account (DMA)
(4)     (   ) Pension
(5)     (   ) Bond Issue
(6)     (   ) Others (Specify, if any):________________

(b) Status of State Government Business (i.e. Treasury/Sub-
treasury business):(Put tick mark (Ö) in appropriate box)

Type of Treasury/Sub-Treasury Business (State Govt.)

(1)     (   ) No Govt. Business
(2)     (   ) Treasury Business
(3)     (   ) Sub-Treasury Business
(4)     (   ) Pension
(5)     (   ) Bond Issue
(6)     (   ) Others (Specify, if any):________________

(ii) Whether a currency chest is
attached to this branch/office: Yes (   )     No (   )

(A) If “Yes” then state:

(a) The type of currency chest: A (   ) B (   ) C (   )

(put a tick mark (Ö) in appropriate box)
(b) Date of establishment cc cc cccc
of currency chest: Day Month Year

(c) Currency chest code Number:cccccccc
(8- digit Code allotted by Department of Currency
Management (DCM) is to be written)

(d) Mention type of area in which currency chest is located:
(State “type of area” code: See the explanation)
Code: 0 Type of Area: ________________

(B) If “NO” then, supply particulars of the nearest
branch/office having currency chest facility:

(a) Bank Name: ____________________
(b) Branch Name: ______________________
(c) Part-I of Uniform code: ccccccc
(d) Distance (in Km.): ______________
(e) Centre Name: ____________________

(iii) Whether there is a repository
attached to this branch/office? Yes (   ) No (   )

(put a tick mark (Ö) in appropriate box)

(iv) Whether a small coin-depot is
attached to this branch/office? Yes (   ) No (   )
(Put a tick mark (Ö) in appropriate box)

(v) Whether any NAIO is attached to the branch having Currency
Chest/Repository/Small Coin-depot facility?

(Put a tick mark (Ö) in appropriate box)
Yes ( ) No ( )

9. Nature of Business conducted by the branch/office/NAIO:

(Put tick mark (Ö) in appropriate box/boxes)

          Name

(1) (   ) Banking Business
(2) (   ) Merchant Banking Business
(3) (   ) Foreign Exchange
(4) (   ) Gold deposit
(5) (   ) Insurance
(6) (   ) Administrative/Controlling Office
(7) (   ) Training Centre
(8) (   ) others(please specify, if any)---------

10. (a) Authorised Dealer Category
of the branch/office: A (   ) B (   ) C (   )
(Put a tick mark (Ö) in appropriate box)

(b) Date of Authorisation: cc cc cccc
                                    Day   Month Year

(c) In the case of ‘C’ Category office, write name and
uniform code numbers of `A’ or `B’ Category
branch/office through which its foreign exchange
transactions are settled:

(i) Name of the branch/office: _____________________

(ii) Uniform code Numbers of the branch/office:

Part-I : ccccccc Part-II: ccccccc
          (7 digits)                         (7 digits)

11. Technological facility of Branch/Office:

(Put tick mark (Ö) in appropriate box)
Technological Facility

(1) (   ) Not yet Computerised
(2) (   ) Partially Computerised
(3) (   ) Fully Computerised

12. Communication Facility available in the Branch/Office/NAIO:

(Put tick mark (Ö) in appropriate box)

Communication Facility

(1) (   ) NO NETWORK
(2) (   ) INFINET
(3) (   ) INTERNET
(4) (   ) INTRANET
(5) (   ) Others (Please specify, if any)_____________

13. Magnetic Ink Code Reader
(MICR Code) number of the branch/office/NAIO: _____________________

14. Any other particulars (please specify): _______________

15. For RBI use only:

(a) AD Region Office Code:
(b) Census Classification Code:
(c) Full Postal Address:

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