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   >> RBI Guidelines

Select Guidelines : 

Cheque Clearing
  • Standardisation and Enhancement of Security Features in Cheque Forms-Implementation of CTS 2010 standard
  • Dishonour / Return of Cheques - Need to Sign / Initial the Cheque Return Memo
  • Collection of account payee cheques - Prohibition on crediting proceeds to third party accounts
  • Automation of non-MICR Clearing Houses - Implementation of a new Clearing Software - Express Cheque Clearing System
  • Levy of Service Charges for Electronic Payment Products and Outstation Cheque Collection
  • Review of Service Charges for Cheque Collection - Local, Outstation and Speed Clearing
  • Enhancing the scope of Speed Clearing
  • StCBs/DCCBs - Collection of third party account payee cheques - Prohibition on crediting proceeds to third party accounts
  • Collection of third party account payee cheques - Prohibition on crediting proceeds to third party accounts
  • Standardisation and Enhancement of Security Features in Cheque Forms
  • MICR Codes of Bank Branches under the Jurisdiction of non-MICR Centres
  • MICR Codes of Bank Branches under the Jurisdiction of MICR Centres
  • Review of bilateral clearing arrangements between banks – Urban Co-operative Banks
  • RRBs - Collection of Account Payee Cheques
  • Collection of Account Payee Cheques StCB & DCBs
  • Collection of account payee cheque- SCBs
  • Review of bilateral clearing arrangements between banks - Regional Rural Banks
  • Review of bilateral clearing arrangements between banks - State and Central Co-operative Banks
  • Standardisation and Enhancement of Security Features in Cheque Forms
  • Cheque Collection Policy (CCP) - Immediate credit of Local / Outstation Cheques
  • Levy of interest on clearing-related overdraft extended by Clearing House managing banks for settling clearing obligations of member banks
  • Dishonour / Return of Cheques - Need to Mention the 'Date of Return' in the Cheque Return Memo
  • Collection of third party account payee cheques - Prohibition on crediting proceeds to third party accounts
Financial Inclusion
  • Financial Inclusion- Access to Banking Services - Basic Savings Bank Deposit Account - RRBS and State and Central Co-operative Banks.
  • Financial Inclusion- Access to Banking Services - Basic Savings Bank Deposit Account
  • Financial Inclusion by Extension of Banking Services - Use of Business Correspondents (BCs) - Interoperability of BCs
  • Financial Inclusion-Opening of Aadhaar Enabled Bank Accounts (AEBA)
  • Know Your Customer Norms - Letter issued by Unique Identification Authority of India (UIDAI) containing details of name, address and Aadhaar number
  • Operational Guidelines on implementation of Electronic Benefit Transfer (EBT) and its convergence with Financial Inclusion Plan (FIP)
  • Resolution of issues regarding allocation of villages under Electronic Benefit Transfer (EBT) scheme and roadmap for providing banking services in villages with population above 2000 under Financial Inclusion Plan (FIP)
  • Financial Inclusion by Extension of Banking Services - Use of Business Facilitators (BFs) and Business Correspondents (BCs) (30 Km) - 24th April 2009
  • Financial Inclusion by Extension of Banking Services - Use of Business Correspondents (BCs) - Guidelines for engaging BCs
  • Financial Inclusion by Extension of Banking Services - Use of Business Correspondents (BCs) - Recommendations of the Working Group
  • Financial Inclusion by Extension of Banking Services – Use of Business Correspondents / Business Facilitators by Urban Co-operative Banks
  • Opening of "Small Account"
Electronic Payment Systems
  • Dishonour of electronic funds transfer for insufficiency of funds in the bank account - clarification
  • Discretion to customers for selection between RTGS and NEFT
  • Retail Electronic Payment Systems -NEFT / NECS / RECS / ECS - Levy of Processing Charges- Collection & Settlement of Inter-bank Charges
  • Retail Electronic Payment Systems - NEFT / NECS / RECS / ECS - Levy of Processing Charges
  • Furnishing remitter details in pass book / pass sheet / account statement for credits received by customers through NEFT / NECS / ECS
  • Permissible period for remittance of e-payments into Government account by Public Sector Banks
  • Uniformity in penal interest payable by banks for delays in credit / return of NEFT / NECS / ECS transactions
  • RTGS / NEFT Return Transactions – Information for Account Statement
  • RTGS / NEFT / NECS / ECS - Delays in affording credits and / or return of transactions by member banks
  • Use of RTGS/NEFT/NECS/ECS for Credit to NRE Accounts
  • Directions for opening and operation of Accounts and settlement of payments for electronic payment transactions involving intermediaries
  • Electronic payment products - Processing inward transactions based solely on account number information
  • UCBs - Furnishing Remitter Details in Pass Book/Pass Sheet/Account Statement for Credits received by Customers through NEFT/NECS/ECS
  • Electronic Funds Transfer Infrastructure in India - Usage of RTGS and NEFT
  • Electronic Funds Transfer Infrastructure in India – Usage of RTGS and NEFT(recent)
  • Electronic Funds Transfer Infrastructure in India – Usage of RTGS and NEFT
  • Levy of Service Charges for Electronic Payment Products and Outstation Cheque Collection
  • Credit to NRE account through RTGS / NEFT / NECS / ECS-- Issuance of Foreign Inward Remittance Certificate (FIRC)
  • Directions for opening and operation of Accounts and settlement of payment for electronic payment transactions involving intermediaries SCBs 2
  • Directions for opening and operation of Accounts and settlement of payment for electronic payment transactions involving intermediaries SCBs
Cards
  • Domestic Money Transfer - Relaxations
  • Use of International Debit Cards/ Store Value Cards/Charge Cards/Smart Cards by resident Indians while on a visit outside India
  • Security Issues and Risk mitigation measures related to Card Present (CP) transactions
  • Policy Guidelines for issuance and operation of Prepaid Payment Instruments in India 04.08.11
  • Security Issues and Risk mitigation measures related to Card Not Present (CNP) transactions
  • Master Circular on Credit Card Operations of banks July 1 2011
  • Policy Guidelines for issuance and operation of Prepaid Instruments in India
  • Acquisition of credit card/debit card transactions in India by overseas banks - payments for airline tickets
  • Security Issues and Risk mitigation measures - Online alerts to the cardholder for usage of credit/debit cards
  • Issuance and Operation of pre-paid payment instruments in India - Clarification
  • Use of International Debit Cards/ Store Value Cards/Charge Cards/Smart Cards by resident Indians while on a visit outside India
  • Security Issues and Risk mitigation measures related to Card Not present transactions
  • Credit/Debit Card transactions- Security Issues and Risk mitigation measures for Card Not Present Transactions.
  • Master Circular on Credit Card Operations of Banks
  • Credit Card Operations of Banks
  • Collection of Statistics on pre-paid instruments
  • Issuance and operation of Prepaid Payment Instruments in India - Auditor Certificate on the balances in Escrow account
  • Issuance and Operation of Prepaid Payment Instruments
  • Issuance and Operation of pre-paid payment Instruments in India (Reserve Bank) Directions - Additional guidelines
  • Amendment to Policy Guidelines for issuance and operation of Prepaid Payment Instruments in India
  • Issuance and Operation of Pre-paid Payment Instruments in India (Reserve Bank) Directions, 2009
  • Policy Guidelines for issuance and operation of Prepaid Payment Instruments in India
  • Procedural guidelines- Prepaid cards
 
 
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