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

ECS

• ECS – Accuracy of Input Data/Completeness of Account Number Information in ECS Mandates/Files • Procedural Guidelines – ECS (Credit) • Procedural Guidelines – ECS (Debit) •  National Electronic Clearing Service (NECS) – Optimal Usage and Expansion • Procedural Guidelines – NECS

NEFT

• Payment of Penal Interest for delayed credit/refunds of NEFT transactions • National Electronic Funds transfer (NEFT) System – Refinement of process-flow and enhancement of features • NEFT - Contact Details of Customer Facilitation Centres • Procedural Guidelines – NEFT • NEFT System – Business Continuity Plan

RTGS

• RTGS service charges for members • RTGS System – Use of NEFT Customer Facilitation Centres • Migration of RTGS System to Windows 2008 environment • RTGS System – Mandatory Beneficiary Account Number • Procedural Guidelines – RTGS • Up-gradation of RTGS System to Windows 2008

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

Mobile Banking

• Mobile Banking Transactions in India - Operative Guidelines for Banks • Mobile Banking Transactions in India - Operative Guidelines for Banks • Procedural guidelines- Mobile payments • Operating guidelines- Mobile Banking

Other Circulars

• REPORT OF THE COMMITTEE ON CUSTOMER SERVICE IN BANKS • Working Group on Information Security, Electronic Banking, Technology Risk Management and Cyber Frauds • Access criteria for payment systems • Banking, electronic payments and road ahead • KYC Norms/AML Standards/Combating Financing of Terrorism - Obligation of Payment System Operators • Payment Systems in India - Vision 2009-12 • RBI-Second Quarter Review of Monetary Policy for the Year 2009-10 • RBI- Annual Report 2008-09: Payment and Settlement Systems and Information Technology • Information systems audit policy for the banking and financial sector • RBI- Annual Report 2009-10: Payment and Settlement Systems and Information Technology • Settlement and Default Handling Procedures in Multilateral and Deferred Net Settlement Systems under the PSS Act, 2007 • Dispute Resolution Mechanism under the Payment and Settlement Systems Act, 2007 • Prevention of Money-laundering Second Amendment Rules, 2010 - Obligation of Entities authorised to operate Payment System in India

ATM

• RBI releases Draft Guidelines for White Label Automated Teller Machines • Reconciliation of failed transactions at ATMs • Reconciliation of transactions at ATMs failure – Time limit Complaints resolution with banks • Reconciliation of transactions at ATMs failure – Time limit • Branches and ATMs of Scheduled Commercial Banks • Circular on Reconciliation of transactions at ATMs failure – Time limit • Cash Withdrawal at Point-of-Sale • Display of information for lodging of ATM related complaints • Need for Bank Branches / ATMs to be made accessible to persons with disabilities • Annual Policy Statement for the year 2010-11- Opening of Off-site ATMs by Primary (Urban) Cooperative banks-Liberalisation • Section 23 of Banking Regulation Act, 1949 - Mobile Branches and Mobile ATMs • Display at ATM Sites – Procedure for lodging of ATM related Complaints