Eximkey - India Export Import Policy 2004 2013 Exim Policy
UBD.BR (PCB).MCNo._8_/16.26.00/2003-04 Date 26/08/2004

Master Circular Maintenance of Statutory Reserves Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)


  • IDBI
  • IFCI

  • EXIM Bank
  • IRBI

  • NABARD
  • SIDBI

    • (ii) The borrowing of the bank other than refinance from these financial institutions should form part of liabilities to others and therefore, form part of net demand and time liabilities for the purpose of reserve requirements.

    10. Deposits kept with SIDBI/NABARD for shortfalls in attaining priority sector targets should not be shown as assets with Banking System and such deposits cannot be netted in arriving at net DTL for the purpose of CRR and SLR requirements. The amount kept with SIDBI/NABARD may be shown by way of a footnote in Form I and Form VIII with an explanatory note.

    11. Classification of Certain items under Liabilities

    (i) Inter-Branch Accounts

    (a) Net balance in inter-branch account, when in credit, is to be shown under ‘Other Liabilities and Provisions’ which is included in total Demand and Time Liabilities for CRR and SLR purpose.

    (b) After 27.07.98, the bank should segregate the credit entries outstanding for more than five years in inter-branch account as ‘Blocked Account’ and show it under ‘Others’ under ‘Other Liabilities and Provisions’. Thereafter, while arriving at net amount of inter-branch transactions for inclusion under ‘Other Liabilities and Provisions’ if in credit, or ‘Other Assets’ if in debit, the aggregate amount of ‘Blocked Account’ should be excluded and only the amount representing the remaining credit entries should be netted against debit entries. Thus, the balance in the ‘Blocked Account’ will be reckoned for the purpose of maintenance of CRR and SLR, even though the net of inter-branch entries is a debit balance.

    (ii) Margin Money on Bills Discounted/Purchased

    The bank should follow uniform procedure in treating margin money on bills purchased/discounted as outside liabilities and should include it in other demand and time liabilities for the purpose of maintenance of reserve requirements.

    (iii) Interest Accrued in Deposits

    (a) The interest accrued on all deposit accounts (such as, savings, fixed, recurring, cash certificates, reinvestment plans, etc.), by whatever name called, should be treated by the bank as its liability for the purpose of maintaining CRR and SLR irrespective of whether the accrued interest has become actually payable or is not payable till due dates for repayment of deposits.

    (b) The interest accrued on deposits should be classified under ‘Other Demand and Time Liabilities’ in the Form I & VIII.

    12. Amount not to be treated as Outside Liabilities for CRR and SLR

    (i) Claim amounts received from the DICGC in respect of guarantees invoked, pending their adjustment towards the relative advances.

    (ii) Amounts received from the Court Receiver.(iii) Amounts received from Insurance Company on ad-hoc settlement of claims pending the judgement of the Court.

    (iv) Amounts received from ECGC on invocation of guarantees, pending their set-off against the relative advances.

    Annexure 5

    Master Circular
    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)
    THE BANKING REGULATION ACT, 1949
    FORM - I

    (See Rule 5)
    [Sections 18(1) and 24(3)]
    [Vide para 2.2.4 (i),3.8.1]

    Name of the Co-operative Bank :

    Name(s) and designation(s) of the
    officer(s) submitted the return :

    Statement of demand and time liabilities in India and amount maintained in India in cash, gold and unencumbered securities for the month of ___________

    The amounts of various items in this return should be worked out after taking into account, where necessary, the adjustments indicated in the footnotes at the end of the return.

    (Rounded off to the nearest thousand rupees)

     As at the close of business on
     First Alternate Friday (Date)Second Alternate Friday (Date)Third Alternate Friday (Date)
    1234
    PART-A

    I. Liabilities in India(£) to the banking system $

    (a) Demand liabilities

    (i) Total of credit balances in current accounts maintained with the Cooperative Bank by the State Bank of India, subsidiary banks and corresponding new banks

    (ii) Total of other demand liabilities to the banking system

    (b) Time liabilities to the banking system $

    Total of I

    II. Liabilities in India to others X

    (a) Demand liabilities

    (b) Time liabilities

    Total of II

    III. Assets in India with the banking system

    (a) Total of credit balances (%) in current accounts maintained with State Bank of India, subsidiary banks and corresponding new banks.

    (b) Total of other assets with the banking system, viz., (i) balances in all accounts other than those included in item III(a), (ii) money at call and short notice, (iii) advances, and (iv) any other assets.

    IV. Total (net) demand and time liabilities for the purposes of Sections 18 and 24 of the Act = (I-III) + II, if (I-III) is a plus figure, OR II only, if (I-III) is a minus figure

    V. Cash in hand (&)

    VI. Balances in current accounts with

    (a) Reserve Bank of India ++

    (b) State Co-operative Bank of the State concerned (+)

    (c) Central Co-operative Bank of the district concerned (%)

    Total of VI

    VII Net balance in current accounts, i.e., excess of III(a) over I(a)(i)

    		   
    PART-B:Compliance with Section 18

    (Not applicable to scheduled State Co-operative Banks)IX. 3 per cent of IV as on the last Friday of the second preceding fortnightX. Cash reserve actually maintained = V + VI + VIII

    PART-C: Compliance with Section 24:

    (Not applicable to scheduled State Co-operative Banks)

    XI. 25 per cent (or a higher specified percentage) of IV as on the last Friday of the second preceding fortnight

    XII. Assets actually maintained

    (a) Cash and other balances maintained in India X-IX + VII

    (b) Gold ££

    (c) Unencumbered approved securities $$

    Total of XII

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    		Information need not be furnished 
    PART-D : Compliance with Section 24:

    (Applicable to Scheduled/State Co-operative Banks)

    XIII 25 per cent (or a higher specified percentage) of IV as on the last Friday of the second preceding fortnight

    XIV Assets actually maintained

    (a) Cash in hand

    (b) Balance maintained with the Reserve Bank of India in excess of the balance required to be maintained under Section 42 of the Section of India Act, 1934 [i.e., VI(a)]

    (c) Net balance in current accounts (i.e., VIII)

    (d) Gold ££

    (e) Unencumbered approved securities $$

    (f) Balances of all other types with:

    (i) State Co-op. Bank of the State concerned (+)

    (ii)Central Co-op. Bank of the district concerned (X)

    		   


    Date :

    Signature

    Footnotes:

    1. Return in this Form is to be submitted to the Reserve Bank of India under Section 24 of the banking Regulation Act, 1949 (As application to co-operative societies) by scheduled State Cooperative Banks and Sections 18 and 24 of the Act ibid. by the other "Co-operative Banks" not later than 15 days after the end of the months to which it relates.

    2. If an alternate Friday is a holiday under the Negotiable Instruments Act, 1881 (26 of 1881), the figures as at the close of business on the preceding working day should be furnished.

    £3. For the purposes of this return, "Liabilities is India" shall not include.

    (i) the paid-up capital or the reserves or any credit balance in the profit and loss account of the Co-operative Bank -

    (ii) in the case of a State Co-operative Bank or a Central Co-operative Bank, any deposit of money with it, representing the reserve fund or any part thereof maintained with it, by any other Co-operative Society within its area of operation;

    (iii) in the case of a Central Co-operative Bank, any advance taken from the State co-operative bank of the State concerned;

    (iv) any advance taken by a primary Co-operative Bank from the State Co-operative Bank of the State concerned or the Central Co-operative Bank of the district concerned;

    (v) amount of, any advance or other credit arrangement drawn and availed of by a Co-operative Bank against approved securities;

    (vi) in the case of any Co-operative Bank which has granted an advance against any balance maintained with it, such balance to the extent of the amount outstanding in respect of such advance.

    4$. For the purpose of this return, the expression "Banking system" shall comprise the following banks and financial institutions, viz.

    (i) State Bank of India

    (ii) Subsidiary banks;

    (iii) Corresponding new banks;

    (iv) Regional rural banks

    (v) Banking companies;

    (vi) Other financial institutions, if any, notified by the Central Government in this behalf under 30 clause (d) of the Explanation to sub-section (1) of Section 18 of the Banking Regulation Act, 1949 (As applicable to co-operative societies).

    5X. For the purpose of this return, "liabilities in India to others" shall not include borrowings from a State Government, the Reserve Bank, Industrial Development Bank of India, Export-Import Bank of India, National Bank for Agriculture and Rural Development, or from the National Co-operative Development Corporation established under Section 3 of the National Co-operative Development Act, 1962.

    6%. (i) Any balance held by Co-operative Bank with another bank shall not, to the extent such balance represents the investment of Agricultural Credit Stabilisation Fund of such Cooperative Bank, be deemed to be cash maintained in India.

    (ii) In case the co-operative bank has taken an advance against any balance maintained with the State Co-operative bank of the State concerned or with the Central Co-operative Bank of the district concerned, such balance to the extent to which it has been drawn against or availed of shall not be deemed to be such cash maintained in India.

    7&. (i) For the purpose of this return, any cash with a Co-operative Bank shall not, to the extent such cash represents the balance in Agricultural Credit Stabilisation Fund of such Cooperative Bank, be deemed to be cash maintained in India.

    (ii) Cash must not include balance with other banks or any item other than bank/currency notes, rupee coin (including one rupee notes) and subsidiary coins current on the date of this return.

    8++. Scheduled State Co-operative Banks should show here only the amount in excess of the balance required to be maintained with the Reserve Bank of India under Section 42 of the Reserve Bank of India Act, 1934.

    9+. Applicable to State industrial Co-operative Banks, central Co-operative Bank, district industrial Co-operative Banks and primary Co-operative Banks only.

    10x. Applicable to primary Co-operative Banks only.

    11$$. (i) Valued on the basis of the method of valuation determined by the Reserve Bank.

    (ii) Approved securities, or a portion thereof, representing investment of monies of Agricultural Credit Stabilisation Fund of a Co-operative Bank, shall not be deemed to be unencumbered approved securities.

    ££. Valued at a price not exceeding the current market price.]

    Annexure 6

    Master Circular

    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)

    (Appendix - I)

    Monthly statement showing the daily position of maintenance of cash reserve under Section 18 of the Banking Regulation Act, 1949 (As applicable to Co-operative Societies) during the month of ________

    [Applicable to Non-Scheduled Primary (Urban) Co-operative Banks]

    [Vide para 2.2.4 (ii)]

    Name of the Bank :

    (Rupees rounded off to the nearest thousand)

     DateAmount of Cash ReserveDeficitSurplusRemarks
    Required to be maintainedActually maintained
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    Signature of CEO _____________

    Name ______________________

    Designation _________________

    NB: Where there is a public holiday under Negotiable Instruments Act, 1881 (26 of 1881), figures in respect of such day should relate to the preceding working day.

    Annexure 7

    STATEMENT OF VALUATION OF SLR SECURITIES

    (Fortnight ended Friday---------------)

    (Vide para 3.6)

    Name of the Bank:

    (Rs. in lakhs up to two decimals)

    ParticularsFace ValueBook ValueDepreciation HeldNet Value for SLR Purpose (2-3)
    PART I
    1.
    2.
    3.
    4.
    Government Securities    
    Opening Balance    
    Addition during the fortnight (+)    
    Deduction during the fortnight (-)    
    Closing Balance (a)    
    Part II    
    Other Approved Securities    
    Opening Balance    
    Addition during the fortnight (+)    
    Deduction during the fortnight (-)    
    Closing Balance (a+b)    



    Annexure 8


    Master Circular

    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)

    (Appendix - II)

    Monthly statement showing the daily position of maintenance of liquid assets under Section 24 of the Banking Regulation Act, 1949 (As applicable to Co-operative Societies) during the month of ________
    [Applicable to all Primary (Urban) Co-operative Banks
    (Scheduled and Non-Scheduled)]
    [Vide para, 3.8.2, 3.9.4 ]


    Name of the Bank :

    (Rupees rounded off to the nearest thousand)

     DateAmount of Liquid AssetsDeficitSurplusRemarks
    Required to be maintainedActually maintained
    1234567
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    Signature of CEO _____________
    Name ______________________
    Designation _________________

    NB: Where there is a public holiday under Negotiable Instruments Act, 1881 (26 of 1881), figures in respect of such day should relate to the preceding working day.

    Annexure 9

    Master Circular
    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)

    Register showing the daily position of cash reserve and liquid assets maintained under Sections 18 and 24 respectively of the Banking Regulation Act, 1949 (As applicable to Co-operative Societies)
    (For Primary Co-operative Banks)
    [Vide para 4.1.1]


    (Rounded off to the nearest thousand)

     Month and year
    12345678910111213141516171819202122232425262728293031
    PART-A

    I. Liabilities in India £$ to the banking system

    (a) Demand liabilities

    (i) Total of credit balances in current accounts maintained with the Cooperative Bank by the State Bank of India, subsidiary banks and corresponding new banks

    (ii) Total of other demand liabilities to the banking system

    (b) Time liabilities to the banking system

    Total of I

    II. Liabilities in India £, X to others

    (a) Demand liabilities

    (b) Time liabilities

    Total of II

    III. Assets in India with the banking system

    (a) Total of credit balances % in current accounts maintained with State Bank of India, subsidiary banks and corresponding new banks.

    (b) Total of other assets with the banking system, viz., (i) balances in all accounts other than those included in item III(a), (ii) money at call and short notice, (iii) advances, and (iv) any other assets.

    IV. Total (net) demand and time liabilities for the purposes of Sections 18 and 24 of the Act = (I-III) + II, if (I-III) is a plus figure, OR II only, if (I-III) is a minus figure

    V. Cash in hand

    VI. Balances in current accounts with

    (a) Reserve Bank of India ++

    (b) State Co-operative Bank of the State concerned *+%

    (c) Central Co-operative Bank of the district concerned *%

    Total of VI

    VII. Balances of all other types with

    (a) State Co-operative Bank of the State concerned *+%

    (b) Central Co-operative Bank of the district concerned *+%

    Total of VII

    VIII. Net balance in current accounts, i.e., excess of III(a) over I(a)(i)

    PART-B: Compliance with Section 18

    (Not applicable to scheduled State Co-operative Banks)

    IX. 3 per cent of IV as on the last Friday of the second preceding fortnight

    X. Cash reserve actually maintained = V + VI + VIII

    PART-C: Compliance with Section 24:

    (Not applicable to scheduled State Co-operative Banks)

    XI. 25 per cent (or a higher specified percentage) of IV as on the last Friday of the second preceding fortnight

    XII. Assets actually maintained

    (a) Cash and other balances maintained in India X-IX + VII

    (b) Gold ££

    (c) Unencumbered approved securities $$

    Total of XII

    PART-D : Compliance with Section 24:

    (Applicable to Scheduled/State Co-operative Banks)

    XIII 25 per cent (or a higher specified percentage) of IV as on the last Friday of the second preceding fortnight

    XIV Assets actually maintained

    (a) Cash in hand

    (b) Balance maintained with the Reserve Bank of India in excess of the balance required to be maintained under Section 42 of the Section of India Act, 1934 [i.e., VI(a)]

    (c) Net balance in current accounts (i.e., VIII)

    (d) Gold ££

    (e) Unencumbered approved securities $$

    Total of XIV

    		                               


    Annexure 10

    Master Circular

    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)

    Explanations for compilation of the figures under various heads of the register showing daily position of cash reserve and liquid assets maintained by primary co-operative banks

    [Vide para 4.1.3]


    1. "Liabilities in India" shall not include -

    (i) the paid-up capital or reserves or, any credit balance in the profit and loss account of the co-operative bank;

    (ii) any advances taken by a primary co-operative bank from the State Co-operative Bank of the State concerned or the central co-operative bank of the district concerned;

    (iii) any advance taken from a State Government, Reserve Bank, Industrial Development Bank of India, Export-Import Bank of India, National Bank for Agriculture and Rural Development, or from the National Co-op. Development Corporation established under Section 3 of the National Co-operative Development Corporation Act, 1962.

    (iv) amount of any advance or other credit arrangement drawn and availed of by a cooperative bank against approved securities;

    (v) in the case of any co-op. bank which has granted an advance against any balance maintained with it, such balance to the extent of the amount outstanding in respect of such advance.

    2. The expression 'Banking System' shall comprise the following banks and financial institutions, viz.

    (i) State Bank of India;
    (ii) Subsidiary banks;
    (iii) Corresponding new banks;
    (iv) Regional Rural banks;
    (v) Banking Companies;
    (vi) Other financial institutions, if any, notified by the Central Government in this behalf under clause (d) of the Explanation to subsection (1) of Section 18 of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies).

    3. Time liabilities include fixed deposits, cash certificates, cumulative and recurring deposits, time liabilities portion of savings bank. deposits, staff security deposits, margins hold against letters of credit if not payable on demand and fixed deposits held as security for advances subject to item l(v) above.

    4. Fixed deposits will include (i) employees' provident fund deposits, (ii) staff security deposits, (iii) recurring deposits, (iv) cash certificates, (v) call deposits requiring notice period of more than 14 days, (vi) provident deposits, (vii) other miscellaneous deposits like earnest money deposits of contractors etc.

    5. Demand liabilities include current deposits, demand liabilities portion of savings bank deposits, margins held, against letters of credit/ guarantees, balances in overdues fixed deposits, cash certificates and cumulative,/recurring deposits, outstanding telegraphic and mail transfers, demand drafts, unclaimed deposits, credit balances in the cash credit accounts and deposits held as security for advances which are payable on demand.

    6. Current deposits will include (i) call deposit which require a notice period of 14 days or less (ii) credit balance in cash credit account, (iii) fixed deposits matured but. not withdrawn etc.

    7. "net balance in current accounts" shall, in relation to a co-op. bank, mean the excess, if any, of the aggregate of the credit balances in current account maintained by that co-op. bank with the State Bank of India or a subsidiary bank or a corresponding new bank over the aggregate of the credit balances in current accounts held by the said banks with such co-op bank;

    8. For the purpose of computation of liabilities, the aggregate of the liabilities of a co-op. bank to the State Bank of India, a subsidiary bank, a corresponding new bank, a Regional Rural bank, a banking company or any other financial institution notified by the Central Government in this behalf shall be reduced by the aggregate of the liabilities of all such banks and institutions to the co-op. bank;

    9. Other demand and time liabilities include interest accrued on deposits, bills payable, unpaid dividends and suspense account balances representing amounts due to other banks or public.

    10. Money at call and short notice obtained from outside the 'Banking System' (say from Life Insurance Corporation, Unit Trust of India, etc.) should be shown against Item No. II.

    11. If a bank cannot segregate from the total of 'other demand liabilities' and 'time liabilities', the liabilities to the 'Banking System', the entire 'other demand liabilities' and 'time liabilities' may be shown against Item viz., Liabilities in India to others -

    (i) demand liabilities, and

    (ii) time liabilities as the case may be.

    12. Only demand and time borrowings other than those excluded under clause (a) (ii) and (iii) of the explanation to Section 18(l) of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) should be shown against this item.

    13. 'Other demand liabilities' and 'other time liabilities ' as the case may be, will include deposits unclaimed for more than ten years, provisions in the nature of outside liabilities (such as provision for income tax and other taxes payable, audit fees payable, establishment charges payable etc.), interest payable, bonus payable, bills payable, dividend payable, share suspense, other suspense and sundry, items (which are outside liabilities) etc.

    14. In case the co-op. bank has taken an advance against any balance maintained with the State Co-operative Bank of the State concerned or with the central co-operative bank of the district concerned, such balance to the extent to which it has been drawn against or availed of shall not be deemed to be cash maintained in India.

    15. In computing the amount for the purpose the following shall be deemed to be cash maintained in India, namely;

    (i) any cash or balances maintained in India by a co-operative bank, with itself or with the State Co-operative Bank of the State concerned, or in current account with the Reserve Bank or by way of net balance in current accounts, and, in the case of a primary cooperative bank, also any balances maintained with the central co- operative bank of the district concerned, in excess of the aggregate of the cash or balances required to be maintained under Section 18;

    (ii) any net balance in current account.

    16. Assets with the 'Banking System' in India comprise;

    (i) Balances with the 'Banking System' in current accounts

    (a) with public sector banks and

    (b) with all other banks and notified financial institutions;

    (ii) Balances with banks and notified financial institutions, in all other accounts,

    (iii) Funds made available to the 'Banking System' by way of loans or deposits repayable at call or short notice of a fortnight or less;

    (iv) Loans, other than 'Money at call and short notice' made available to the 'banking system'; and

    (v) Any other amounts due from the 'Banking System' which cannot be classified under any of the above items, for example in the case of inter bank remittance facility scheme, as on date, the total amount held by a bank with other banks (in transit or other account) would be shown here as such sums cannot be constructed as 'balances' or 'call; money' or 'advances'.

    In this context, it may be clarified, that if a bank has lodged securities with another bank for borrowal arrangements, then such securities or the unencumbered position of the same should not be shown by the borrowing bank as 'assets' with 'Banking System'. Similarly, the bank which has received the securities should not show them as 'other liabilities', to the 'Banking System'.

    Currency and rupee notes and coins held as till money should be shown as cash in India (i.e. cash in hand). However, currencies of foreign countries held with a bank should not be included.

    17. Cash must not include balances with other banks or any item other than bank/currency notes, rupee coin (including one rupee notes) and subsidiary coins current on the date of the posting of the register.

    18. Unencumbered approved securities to be valued on the basis of the method of valuation determined by the Reserve Bank (at present being valued at a price not exceeding current market price).

    19. "unencumbered approved securities" of a co-op. bank shall include its approved securities lodged with another institution for an advance or any other credit arrangement to the extent to which such securities have not been drawn against or availed of.

    20. Gold to be valued at a price not exceeding the current market price.

    Appendix

    Master Circular
    Cash Reserve Ratio (CRR) & Statutory Liquidity Ratio (SLR)

    A. list of circulars consolidated in the master circular

    No. Circular No.Date Subject
    1.UBD.IP.(PCB) Cir No.16.11.00/2002-0329-04-2003Section 42(1) of RBI Act, 1934 –Maintenance of CRR by scheduled primary (urban) co-op. banks
    2.UBD.BR.No.7/16.11.00/2002-0312-12-2002Section 42 of the RBI Act, 1934-payment of interest on eligible CRR balances on monthly basis
    3.UBD.BR.Cir. No.12/16.11.00/2001-0220-05-2002Section 42(1) of RBI Act, 1934-Maintenance of CRR by scheduled primary (urban) co-op. banks
    4.UBD.BR.Cir.No.11/16.11.00/2001-0229-04-2002-do-
    5.UBD.BR.(PCB)Cir No.20/16.11.00/2001-0222-10-2001Change in Bank Rate
    6.UBD.No.BR.Cir/42/16.26.00/2000-0119-04-2001Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) –Section 24-Investment in Government and other approved Securities by Urban Co-operative Banks (UCBs)
    7.UBD.No.CO.BR.6/16.26.00/99-200027-04-2000Cash balances required to be maintained by Scheduled Primary (urban) Cooperative Banks
    8.UBD.No.BR.13A/16.11.00/99-200029-10-1999Section 42(1) of the Reserve Bank of India Act, 1934
    9.UBD.No.BSD-I.28/12.05.01/98-9923-04-1999Inter-branch Accounts-Old outstandings credit entries
    10.UBD.No.BR.PCB.CIR.21/16.26.00/98-9901-03-1999Penal Rate of Interest on the shortfall in the maintenance of CRR/SLR
    11.UBD(SUB)BR.21/16.26.00/97-9820-06-1998Maintenance of Cash Reserve Ratio (CRR) under Section 42 of the Reserve Bank of India Act, 1934 and Statutory Liquidity Ratio (SLR) under section 24 of the Banking Regulation Act, 1949 (AACS)
    12.UBD.No.(Cir)BR.60/16.26.00/97-9825-05-1998Sections 18 and 24 of the B.R. Act, 1949 (AACS )- Maintenance of Cash Reserve Ratio and Statutory Liquidity Ratio and Submission of Return in Form I
    13.UBD.No.BR.PCB.Cir.52/16.26.00/97-9829-04-1998Penal Rate of interest on the shortfall in the maintenance of CRR/SLR
    14.UBD.No.BR.PCBCIR.51/16.26.00/97-9811-04-98Penal Rate of interest on the shortfall in the maintenance of CRR/SLR
    15.UBD.No.16/24.00/97/9818-03-1998Penal Rate of interest on the shortfall on the maintenance of CRR/SLR
    16.UBD.No.BR.PCB.CIR.36/16.11.00/97-9816-01-1998Penal Rate of interest on the shortfall in the maintenance of CRR/SLR
    17.UBD.No.BR.SUB.18/16.11.00/97-9802-12-1997Section 42(1A) of the Reserve Bank of India Act, 1934-Cash Reserve Ratio (CRR) on Non-Resident (External) Rupee Accounts (NRE) Accounts Scheme
    18.UBD.No.BR.16/16.04.00/97-9806-11-1997Section 42 of the Reserve Bank of India Act, 1934-Maintenance of Cash Reserve Ratio (CRR)
    19.UBD.No.BR.PCB.CIR.17/16.11.00/97-9806-11-1997Penal Rate of interest on the shortfalls in the maintenance of CRR/SLR
    20.UBD.No.BR.SUB 10/16.11.00/96-9715-04-1997Section 42 (1A) of the Reserve Bank of India Act, 1934-Cash Reserve Ratio (CRR) on Non-Resident (External) Rupee Accounts (NRE Accounts) Scheme
    21.UBD.No.BR.SUB.12/16.11.00/96-9715-04-1997Section 42(1) of the Reserve Bank of India Act, 1934-Change of Cash Reserve Ratio on Liabilities to the Banking System
    22.UBD.No.BR.Ad/18/16.11.00/96-9715-04-1997Section 42(1A) of Act, 1934-Cash the Reserve Bank of India Reserve Ratio (CRR) on Foreign Currency Non-Resident Accounts (Banks) [(FCNR)(B)] Scheme Non-Resident (Non-Repatriable) Rupee Deposit (NRNR)
    23.UBD.No.BR.PCB.CIR.53/16.11.00/96-9715-04-1997Penal Rate of Interest on the shortfalls in the maintenance of CRR/SLR
    24.UBD.No.BR.70/16.04.00/95-9629-06-1996Netting Concept for Reserve Requirements-Dealings with Primary Dealers
    25.UBD.No.BR.SUB.5/16.11.00/95-9603-04-1996Cash Reserve Ratio on Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts)
    26.UBD.No.BR.Ad-5/16.11.00/95-9606-01-1996Cash Reserve Ratio (CRR) on Nonresident (Non-Repatriable) Rupee Deposit (NRNR) Scheme and on Foreign Currency Non-Resident Accounts (Banks) FCNR (B) Scheme
    27.UBD.No.BR.Cir.33/16.26.00/95-9603-01-1996Banking Regulation Act, 1949 (As applicable to Co-operative Societies) Section 24-Investment in Government and other approved securities by primary co-operative banks
    28.UBD.No.BR.AD-4/16.11.00/95-9606-12-1995Cash Reserve Ratio on Foreign Currency Non-Resident Accounts (Banks) FCNR(B) Scheme
    29.UBD.No.BR/AD/2/16.11.00/95-9611-11-95Cash Reserve Ratio on Foreign Currency (Non-Resident) Accounts (Banks) Scheme
    30.UBD.No.BR.AD.1/16.11.00/95-9602-11-1995Cash Reserve Ratio (CRR) on Nonresident (Non-Repatriable) Rupee Deposit (NRNR) Scheme
    31.UBD.No.BR.SUB.2/16.11.00/95-9602-11-1995Cash Reserve Ratio on Deposits under Non-Resident (External) Rupee Accounts (NRE Accounts)
    32.UBD.No.BR(CIR)21/16.26.00/95-9612-10-1995Valuation of Securities for Statutory Liquidity Ratio (SLR)
    33.UBD.No.CO(BR)AD.3/16.05.00/95-9629-09-1995Section 42 of the Reserve Bank of India Act, 1934-Cash Reserve Ratio (CRR)-Maintenance of minimum level of 85 per cent on a daily basis.
    34.UBD.No.Cir.63/16.26.00/94-9516-06-1995Banking Regulation Act, 1949 (As applicable to Co-operative Societies)-Section 24-Investment in Government and other approved securities by Primary Co-operative Banks
    35.UBD.No.CO.(Br)SUB.5/16.26.00/94-9528-03-1995Cash balances required to be maintained by Scheduled Primary Co-operative Banks
    36.UBD.No.BR.35/16.04.00/94-9531-12-1994Netting concept for Reserve Requirements-Dealings with Securities Trading Corporation or India Limited (STCI)
    37.UBD.BR.3/16.26.4/94-9513-12-1994Cash balances required to be maintained by Scheduled primary co-operative banks
    38.UBD.BR.379/16.11.00/94-9513-12-1994Section 42(1) of the RBI Act, 1934-Returns in Form 'B' Exempted Categories of deposits from maintenance of reserve requirements
    39.UBD.No.BR.2/16.26.00/94-9524-11-1994Auction of Government Stock 2002, for which the payment is made in instalments
    40.UBD.BR.44/16.26.00/94-9522-07-1994Maintenance of Cash Reserve Ratio and Statutory Liquidity Ratio
    41.UBD.Cir (PCB)No.53/16.26.00/93-9408-02-1994Maintenance of cash reserve and statutory liquid assets under Sections 18 and 24 respectively of Banking Regulation Act, 1949 (As Applicable to Co-operative Societies)-Submission of daily position
    42.UBD.No.Cir.(SUC)No.158/16.26.00/93-9408-02-1994Maintenance of liquid assets under Section 24 of the banking Regulation Act (As Applicable to Co-operative Societies)-Submission of daily position along with Return in Form I.
    43.UBD.No.155/16,.26.00/93-9425-01-1994Section 18 & 24 of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) Penalty
    44.UBD.BR.48,49/16.11.00/93-9414-07-1993Section 42(1) of the Reserve Bank of India Act, 1934-Returns in Form 'B'-Exempted categories of deposits from maintenance of reserve requirements
    45.UBD.No.BR.72/A.12(24)92/9312-05-1993Maintenance of cash reserve and statutory liquid assets under Sections 18 and 24 of the Banking Regulation Act, 1949 (As Applicable to Co-operative Societies) with Section 42 of the Reserve Bank of India
    46.UBD.No.BR.86/A.9/92-9309-10-1992Section 42 of the Reserve Bank of India Act, 1934 Maintenance of Cash Reserve Ratio (CRR)
    47.UBD.No.RBL.125/i/91-9203-06-1992Scheduled Primary Co-operative Banks-Clarifications on Returns under Section 42 of the Reserve Bank of India Act, 1934
    48.UBD.No.BR.773/A.9-91/9205-05-1992Section 42 of the Reserve Bank of India Act, 1934-Maintenance of Cash Reserve Ratio (CRR)
    49.UBD.BR.349/A.9-91-9208-11-1991Section 42 of the Reserve Bank of India Act, 1934-Maintenance of Cash Reserve Ratio (CRR)
    50.UBD.No.BR.762/A-9/90-9129-05-1991Section 42 of the Reserve Bank of India Act, 1934-Maintenance of Cash Reserve Ratio (CRR)
    51.UBD.BR.581/A.9-90/9104-03-1991The Reserve bank of India Scheduled Bank's Regulations, 1951-Classification of Deposits Accepted under the Home Loan Accounts Scheme of the National Housing Bank in Form 'B'
    52.UBD.BR.400/A.9-90-9124-12-1990Maintenance of Minimum Average Balance under Section 42(1) of the Reserve Bank of India Act, 1934
    53.UBD.No.BR.194/A.9-90-9128-08-1990Maintenance of Minimum Average Balance under Section 42(1) of the Reserve Bank of India Act, 1934
    54.UBD.BR.19/A.6-89/9010-03-1990Netting Concept for Reserve Requirements-Dealings with Discount and Finance House of India Ltd. (DFHI)
    55.UBD.BR.50/A.12(24)-89/9018-01-1990Section 24 of the Banking Regulation Act, 1949-Eligible Securities for the purpose of Statutory Liquidity Ratio-Kisan Vikas Patras and Fixed Deposits with Sardr Sarovar Narmada Nigam Ltd.
    56.UBD.No.RBL.835/1.88/8927-03-1989Grant of Scheduled Status to Urban Cooperative Banks-Computation of Cash Reserve and Liquid Assets as well as Submission of various statutory Returns
    57.UBD.RBL.315/1-88-8910-10-1988Submission of Fortnightly Returns by Scheduled Primary Co-operative Banks under Section 42(2) of the Reserve Bank of India Act, 1934
    58.UBD.No.BR.229/A-9-88/8909-09-1988Inclusion of the Select Primary Urban Cooperative Banks in the Second Schedule to the Reserve Bank of India Act, 1934
    59.UBD.BR.163/A-9/99-8919-08-1988Inclusion of the Name of Your Bank in the Second Schedule to the Reserve Bank of India Act, 1934
    60.UBD.No.BR.35/A 12 (24)-86/8718-10-1986Banking Regulation Act, 1949 (as applicable to co-operative societies)-Section 18 and 24-Computation of Demand and Time Liabilities (DTL)
    61.UBD.No.BR.1455/A12(24)-85/8631-05-1986Banking Regulation Act, 1949 (as applicable to co-operative societies)-Section 24-Investment in Units issued by the Unit Trust of India
    62.UBD.BR.871/A.12(24)-84/8510-05-1985Banking Regulation Act, 1949 (as applicable to co-operative societies)-Section 24-Investment made under national deposit scheme
    63.UBD.BR.764A/A-6-84/8529-03-1985Banking Laws (amendment) Act, 1983-84-Bringing into force of remaining provisions
    64.UBD.BR.498/A.12(24)-84-8508-01-1985Banking Regulation Act, 1949 (As Applicable to Co-operative Societies)-Section 24-Investment in Government and Other Trustee Securities by Primary Co-operative Banks
    65.UBD.BR.16/A.6-84-8509-07-1984Banking Law (Amendment) Act, 1983
    66.DBOD.No.UBD.BR.180/A.6-82/8321-09-1982Amendment in the banking regulation act, (as applicable to co-operative societies)
    67.ACD.ID.(DC)1800/R.36-79/8010-01-1980Directive relating to subscription/purchase of 7 year national rural development bonds
    68.ACD.BR.277/B.1-74-530-09-1974The banking regulation (co-operative societies) rules, 1966 amendment to rules 5 and 9 and change in the forms I and VII of the returns prescribed thereunder
    69.ACD.BRL.612/C/71-224-01-1972Register showing the daily position of cash reserves and liquid assets maintained under Section 18 and 24 of the banking regulation act, 1949 (as applicable to co-operative societies) primary co-operative bank
    70.ACD.BR.760/A.1/68-923-01-1969The Banking Laws (Amendment) Act, 1968
    71.ACD.BR.750/B.I/67-824-11-1967The Banking Laws (application to cooperative societies) Act, 1965
    72.ACD.BR.474/A.12(24)/67-827-09-1967Section 24 of the Banking Regulation Act, 1949 (As applicable to co-operative Societies)-Maintenance of Liquid Assets
    73.ACOD.BR.392/B.1-65/6601-03-1966The Banking Laws (application to cooperative societies) Act, 1965
    74.ACD.BR.333/A.1-65/6609-02-1966The Banking Laws (application to cooperative societies) Act, 1965

    B. List of Other Circulars from which instructions relating to Cash reserve Ratio (CRR), Statutory Liquidity Ratio (SLR) and other related matters have also been consolidated in the Master Circular

    No.Circular No.DateSubjectPara No. of the CircularPara No. of the Master Circular
    1.UBD.DC (SUC)156A/13.02.00/93-9431-01-1994Pre-shipment Credit in Foreign Currency (PCFC)Memorandum8 2.1.5
    2.UBD.No.DC(SUC)/153 (13.02.00)/93-9430-12-1993Rediscounting of Export Bills AbroadMemorandum8 2.1.5
    3.UBD.(SUC)117/DC.V.1(B)/92-9310-05-1993Foreign Currency (Non-Resident) Accounts (Banks) Scheme2 (ix)2.1.5

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