Cheque Clearing

• 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

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

• 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 System – Mandatory Beneficiary Account Number • Procedural Guidelines – RTGS • Up-gradation of RTGS System to Windows 2008

Credit Cards

• Master Circular on Credit Card Operations of Banks • Credit Card Operations of Banks

Prepaid Cards

• 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 • Procedural guidelines- Mobile payments • Operating guidelines- Mobile Banking

Other Circulars

• KYC Norms/AML Standards/Combating Financing of Terrorism - Obligation of Payment System Operators: • Financial Inclusion by Extension of Banking Services – Use of Business Correspondents (BCs) • Directions for opening and operation of Accounts and settlement of payments for electronic payment transactions involving intermediaries • 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 • Use of RTGS/NEFT/NECS/ECS for Credit to NRE Accounts • Information systems audit policy for the banking and financial sector • RTGS / NEFT / NECS / ECS - Delays in affording credits and / or return of transactions by member banks • RTGS / NEFT Return Transactions – Information for Account Statement • Uniformity in penal interest payable by banks for delays in credit / return of NEFT / NECS / ECS transactions : • RBI- Annual Report 2009-10: Payment and Settlement Systems and Information Technology :-

ATM

• 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