A. List of Circulars consolidated in the Master Circular
| No. | Circular No. | Date | Subject |
| 1 | UBD PCB Cir No.30 / 09.161.00 / 2004-05 | 15-12-2004 | Know Your Customer (KYC) guidelines-Anti Money Laundering Standards |
| 2 | UBD PCB Cir No. 7/09.11.01/2004-05 | 29-07-2004 | Opening of current account by banks- need for discipline |
| 3 | UBD PCB Cir No. 14/09.11.01/2004-05 | 24-08-2004 | Opening of current account by banks- need for discipline |
| 4. | UBD.BPD.(PCB)Cir.48/09.161.00/200 | 29-05-2004 | Know Your Customer Guidelines-Compliance |
| 5 | UBD.BPD (PCB)Cir.41/09.161.00/2003-04 | 26-03-2004 | Know your Customer Guidelines-Compliance |
| 6. | UBD.No.DS.PCB.Cir.17/13.01.00/2002-03 | 18-09-2002 | Guidelines on “Know Your Customer” norms and “Cash Transactions” |
| 7. | UBD.CO.BR.29/16.48.00/2000-01 | 29-01-2001 | Payment of balances in accounts of the deceased customers to legal survivors/claimants |
| 8. | UBD.BR.15/16.48.00/2000-2001 | 21-11-2000 | Payment of balances in accounts of the Deceased Customers to survivors/claimants |
| 9. | UBD.CO.BSD.I/11/12.05.00/2000-2001 | 15-11-2000 | Opening of deposit accounts - Completion of formalities |
| 10. | UBD.BR.Cir.3/16.48.00/2000-2001 | 25-08-2000 | Payment of balance in accounts of the Deceased customers to survivors/claimants |
| 11. | UBD No BSD.I/ 12/12.05.00/99-2000 | 28-10-1999 | Receipt of foreign contributions by various Associations/Organisations in India under Foreign Contribution (Regulation) Act, 1976 |
| 12 | .UBD.No.BR.32/16.04.00/98-99 | 28-06-1999 | Nomination Facility in Deposit Accounts |
| 13. | UBD No.BSD.I/PCBs.18/12.05.01/98-99 | 30-01-1999 | Recent of Foreign Contributions by various Associations /Organisations in India under Foreign Contribution (Regulation ) Act, 1976 |
| 14 | UBD.No.DS.PCB.Cir.12/13.01.00/98-99 | 21-12-1998 | Operation of Banks Accounts by Old/Sick/Incapacitated Customers |
| 15. | UBD.No.Plan.PCB.Cir.23/09.50.00/97-98 | 28-11-1997 | Issue of cheque books |
| 16. | UBD.No.BSD.I/PCB/09/12.05.00/97-98 | 18-09-1997 | Opening of fictitious/benami deposit accounts and collection of stolen/forged instruments etc. |
| 17. | UBD.No.I&L.49/12.05.00/95-96 | 14-03-1996 | Frauds in banks - -Extension Counters |
| 18. | UBD.No.I&L.51/12.05.00/95-96 | 14-03-1996 | Frauds in banks through fictitious accounts |
| 19. | UBD.No.I&L.PCB.44/12.05.00/95-96 | 22-02-1996 | Monitoring of deposit accounts |
| 20. | UBD.No.I&L.PCB.36/12.05.00/95-96 | 05-01-1996 | Committee to enquire into various aspects relating to frauds and malpractices in banks |
| 21. | UBD.No.I&L.PCB.28/12.05.00/95-96 | 10-11-1995 | Monitoring of deposit accounts |
| 22. | UBD.No.I&L/PCB/65/12.05.00/94-95 | 28-06-1995 | Frauds in banks - Monitoring of deposit accounts |
| 23. | UBD.No.I&L(PCB)38/12.15.00/94-95 | 10-01-1995 | 34th Report of the Estimates Committee on the Ministry of Finance (Department of Economic Affairs) - Prevention of frauds |
| 24. | UBDNo.I&L27/12.05.00/94-95 | 31-10-1994 | Committee to enquire into various aspects relating to frauds and malpractices in banks obtaining photographs of depositors |
| 25. | UBD.No.I&L/PCB24/12.05.00/94-95 | 19-10-1994 | Fraudulent encashment of payment instruments |
| 26. | UBD.No.I&L74/12.05.00/93/94 | 27-05-1994 | Committee to enquire into various aspects relating to frauds and malpractices in banks |
| 27. | UBDNo.36/12.05.00/93-94 | 08-12-1993 | Committee to enquire into various aspects relating to frauds and malpractices in banks Primary Co-operative Banks |
| 28. | UBD.DC.1/V.1-89/90 | 02-01-1990 | Opening of Bank Accounts in the Names of Minors with Mothers as Guardians |
| 29. | UBD.No.BR.695/B.1-88/89 | 19-12-1988 | Payment of Balance in Accounts of the Deceased Customers to Survivors/Claimants - Non-insistence on Production of Succession Certificate - Extension to Other Assets |
| 30. | Ref.UBD.No.DC.18/V.1-88/89 | 10-08-1988 | Deposit Collection Schemes floated by Private Organisations - Sale of Lottery Tickets by Banks |
| 31. | UBD.No.BR.483/B1-87/88 | 21-10-1987 | Payment of Balance in Accounts of the Deceased Customers to Survivors/Claimants |
| 32. | UBD.No.I&L.88/J.1-87/88 | 08-06-1987 | Matters relating to Greater Co-ordination between Banking System and Income-tax Authorities |
| 33. | UBD.DC.19/V.1.86/87 | 03-09-1986 | Acceptance of Deposits by Unincorporated Bodies/ Private Ltd. Companies with "Bank Guarantee" |
| 34. | UBD.BR.13/A6-86/87 | 11-08-1986 | Banking Laws (Amendment) Act, 1983 - Sections 45ZA to 45ZF read with Section 56 of the Banking Regulation Act, 1949 - Co-operative Banks Nomination Rules, 1985 - Nomination Facilities |
| 35 | UBD.No.I&L.110/J.I-85/86 | 02-06-1986 | Deposit Accounts - Opening of |
| 36. | UBD.BR.764A/A-6-84/85 | 29-03-1985 | Banking Laws (Amendments) Act, 1983-84 -Bringing into force of remaining provisions |
| 37. | UBD.(DC)1148/V.1-84/85 | 22-02-1985 | Opening of a bank account in the name of minor with mother as guardian |
| 38. | UBD.BR.16/A.6-84/85 | 09-07-1984 | Banking Laws (Amendment) Act, 1983 |
| 39. | DBOD.UBD.(I & L) No.2584/J1-82/83 | 22-03-1983 | Opening of various deposit accounts in primary co-operative banks-introduction |
| 40. | ACD.ID(P)6428/J.1/80-81 | 17-02-1981 | Joint accounts 'either or survivor', latter or survivor, 'former or survivor' etc. |
| 41. | ACD: ID: 4998-J: 17-76-7 | 09-12-1976 | Deposit Accounts: Introduction |
| 42. | ACD:INSP: 5173/F:15/70-71 | 17-06-1971 | Register for Unclaimed Deposits |
| 43. | ACD.BR.1454/A.1/67-8 | 08-04-1968 | Position of term deposits accepted prior to the commencement of the banking laws (application to co-operative societies) act 1965 by a co-operative society other than a primary credit society or a co-operative bank |
B. List of Other Circulars from which instructions relating to maintenance of deposit accounts have also been consolidated in the Master Circular