RBI/2013-14/64
DBOD.No.Ret.BC. 19/12.01.001/2013-14
July 01, 2013
Ashadha 10, 1935 (Saka)
All Scheduled Commercial Banks
(Excluding Regional Rural Banks)
Dear Sir,
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)
Please refer to the Master Circular RBI/2012-13/76
DBOD.No.Ret.BC.22/12.01.001/2012-13 dated July 02, 2012 updating
instructions/guidelines issued to the Scheduled Commercial Banks (SCBs) on
CRR/SLR till June 30, 2012. The Master Circular has been suitably updated by
incorporating the instructions issued on the subject up to June 30, 2013. A copy
of the updated Master Circular is enclosed. The Master Circular has also been
placed on the RBI website (http://www.rbi.org.in).
Yours faithfully,
(Sudha Damodar)
Chief General Manager
Encls: as above
Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)
Table of Contents
A. Purpose - This master circular prescribes the broad details of the reserve
requirements.
B. Classification - A statutory guideline issued by the RBI under Section 35A of
the BR Act, 1949.
C. Previous Instructions- This master circular is a compilation of the
instructions contained in the circulars issued by the Reserve Bank of India
which is operational as on the date of this circular.
D. Scope of Application - This master circular is applicable to all Scheduled
Commercial Banks (SCBs) excluding Regional Rural Banks.
E. Structure
1. Introduction
1.1 CRR
2.1 SLR
2. Guidelines
1.1 to 1.18 Procedure for computation of CRR
2.1 to 2.05 Procedure for computation of SLR
3. Annex
4. Appendix
1. Introduction
With a view to monitoring compliance of maintenance of statutory reserve
requirements viz. CRR and SLR by the SCBs, the Reserve Bank of India has
prescribed statutory returns i.e. Form A Return (for CRR) under Section 42 (2)
of the RBI Act, 1934 and Form VIII Return (for SLR) under Section 24 of the
Banking Regulation Act, 1949.
1.1 CRR
In terms of Section 42 (1) of the Reserve Bank of India Act, 1934 the Reserve
Bank, having regard to the needs of securing the monetary stability in the
country, prescribes the CRR for SCBs without any floor or ceiling rate.
1.2 Maintenance of CRR
At present, effective from the fortnight beginning February 09, 2013, the CRR is
prescribed at 4.00 per cent of a bank's total of DTL adjusted for the exemptions
discussed in paragraphs 1.11 and 1.12.
1.3 Incremental CRR
In terms of Section 42(1-A) of RBI Act, 1934, the SCBs are required to maintain,
in addition to the balances prescribed under Section 42(1) of the Act, an
additional average daily balance, the amount of which shall not be less than the
rate specified by the Reserve Bank in the notification published in the Gazette
of India from time to time. Such additional balance will be calculated with
reference to the excess of the total of DTL of the bank as shown in the Returns
referred to in Section 42(2) of the RBI Act, 1934 over the total of its DTL at
the close of the business on the date specified in the notification.
At present no incremental CRR is required to be maintained by the banks.
1.4 Computation of DTL
Liabilities of a bank may be in the form of demand or time deposits or
borrowings or other miscellaneous items of liabilities. As defined under Section
42 of the RBI Act, 1934, liabilities of a bank may be towards the banking system
or towards others in the form of demand and time deposits or borrowings or other
miscellaneous items of liabilities. The Reserve Bank of India has been
authorized in terms of Section 42 (1C) of the RBI Act, 1934, to classify any
particular liability and hence for any doubt regarding classification of a
particular liability, banks are advised to approach the RBI for necessary
clarification.
1.5 Demand Liabilities
Demand Liabilities of a bank are liabilities which are payable on demand. These
include current deposits, demand liabilities portion of savings bank deposits,
margins held against letters of credit/guarantees, balances in overdue fixed
deposits, cash certificates and cumulative/recurring deposits, outstanding
Telegraphic Transfers (TTs), Mail Transfers (MTs), Demand Drafts (DDs),
unclaimed deposits, credit balances in the Cash Credit account and deposits held
as security for advances which are payable on demand. Money at Call and Short
Notice from outside the Banking System should be shown against liability to
others.
1.6 Time Liabilities
Time Liabilities of a bank are those which are payable otherwise than on demand.
These include fixed deposits, cash certificates, cumulative and recurring
deposits, time liabilities portion of savings bank deposits, staff security
deposits, margin held against letters of credit, if not payable on demand,
deposits held as securities for advances which are not payable on demand and
Gold deposits.
1.7 Other Demand and Time Liabilities (ODTL)
ODTL include interest accrued on deposits, bills payable, unpaid dividends,
suspense account balances representing amounts due to other banks or public, net
credit balances in branch adjustment account, any amounts due to the banking
system which are not in the nature of deposits or borrowing. Such liabilities
may arise due to items like (i) collection of bills on behalf of other banks,
(ii) interest due to other banks and so on. If a bank cannot segregate the
liabilities to the banking system, from the total of ODTL, the entire ODTL may
be shown against item II (c) 'Other Demand and Time Liabilities' of the return
in Form 'A' and average CRR maintained on it by all SCBs.
Participation Certificates issued to other banks, the balances outstanding in
the blocked account pertaining to segregated outstanding credit entries for more
than 5 years in inter-branch adjustment account, the margin money on bills
purchased / discounted and gold borrowed by banks from abroad, also should be
included in ODTL.
Cash collaterals received under collateralized derivative transactions should be
included in the bank’s DTL/NDTL for the purpose of reserve requirements as these
are in the nature of ‘outside liabilities’.
Accrued interest on deposits should be calculated on each reporting fortnight
(as per the interest calculation methods applicable to various types of
accounts) so that their liability in this regard is fairly reflected in the
total NDTL of the same fortnightly return.
1.8 Assets with the Banking System
Assets with the banking system include balances with banks in current account,
balances with banks and notified financial institutions in other accounts, funds
made available to banking system by way of loans or deposits repayable at call
or short notice of a fortnight or less and loans other than money at call and
short notice made available to the banking system. Any other amounts due from
banking system which cannot be classified under any of the above items are also
to be taken as assets with the banking system.
1.9 Borrowings from abroad by banks in India
Loans/borrowings from abroad by banks in India will be considered as
'liabilities to others' and will be subject to reserve requirements. Upper Tier
II instruments raised and maintained abroad shall be reckoned as liability for
the computation of DTL for the purpose of reserve requirements.
1.10 Arrangements with Correspondent Banks for Remittance Facilities
When a bank accepts funds from a client under its remittance facilities scheme,
it becomes a liability (liability to others) in its books. The liability of the
bank accepting funds will extinguish only when the correspondent bank honours
the drafts issued by the accepting bank to its customers. As such, the balance
amount in respect of the drafts issued by the accepting bank on its
correspondent bank under the remittance facilities scheme and remaining unpaid
should be reflected in the accepting bank's books as liability under the head
'Liability to others in India' and the same should also be taken into account
for computation of DTL for CRR/SLR purpose.
The amount received by correspondent banks has to be shown as 'Liability to the
Banking System' by them and not as 'Liability to others' and this liability
could be netted off by the correspondent banks against the inter-bank assets.
Likewise sums placed by banks issuing drafts/interest/dividend warrants are to
be treated as 'Assets with banking system' in their books and can be netted off
from their inter-bank liabilities.
1.11 Liabilities not to be included for DTL/NDTL computation
The under-noted liabilities will not form part of liabilities for the purpose of
CRR and SLR:
- Paid up capital, reserves, any credit balance in the Profit & Loss Account of
the bank, amount of any loan taken from the RBI and the amount of refinance
taken from Exim Bank, NHB, NABARD, SIDBI;
- Net income tax provision;
- Amount received from DICGC towards claims and held by banks pending
adjustments thereof;
- Amount received from ECGC by invoking the guarantee;
- Amount received from insurance company on ad-hoc settlement of claims pending
judgment of the Court;
- Amount received from the Court Receiver;
- The liabilities arising on account of utilization of limits under Bankers
Acceptance Facility (BAF);
- District Rural Development Agency (DRDA) subsidy of Rs.10,000/- kept in
Subsidy Reserve Fund account in the name of Self Help Groups;
- Subsidy released by NABARD under Investment Subsidy Scheme for Construction/
Renovation/Expansion of Rural Godowns;
- Net unrealized gain/loss arising from derivatives transaction under trading
portfolio;
- Income flows received in advance such as annual fees and other charges which
are not refundable.
- Bill rediscounted by a bank with eligible financial institutions as approved
by RBI and,
- Provision not being a specific liability arising from contracting additional
liability and created from profit and loss account.
1.12 Exempted Categories
SCBs are exempted from maintaining CRR on the following liabilities:
- Liabilities to the banking system in India as computed under Clause (d) of
the explanation to Section 42(1) of the RBI Act, 1934;
- Credit balances in ACU (US$) Accounts;
- Demand and Time Liabilities in respect of their Offshore Banking Units
(OBU); and
- SCBs are not required to include inter-bank term deposits/term borrowing
liabilities of original maturities of 15 days and above and up to one year in
"Liabilities to the Banking System" (item 1 of Form A return). Similarly banks
should exclude their inter-bank assets of term deposits and term lending of
original maturity of 15 days and above and up to one year in "Assets with the
Banking System" (item III of Form A return) for the purpose of maintenance of
CRR. The interest accrued on these deposits is also exempted from reserve
requirements.
1.13 Loans out of FCNR (B) Deposits and IBFC Deposits
Loans out of Foreign Currency Non–Resident Accounts (Banks), (FCNR [B] Deposits
Scheme) and Inter-Bank Foreign Currency (IBFC) deposits should be included as
part of bank credit while reporting in Form ’A’ Return. For the purpose of
reporting, banks should convert their foreign currency assets/liabilities
(including foreign currency borrowings) in USD,GBP, JPY and Euro into INR at RBI
Reference Rates announced on the Reserve Bank of India website. As regards
conversion of assets/liabilities in other currencies, banks may use New York
Closing Rate pertaining to the day end of the Reporting Friday, for converting
such currencies into USD and then use the RBI Reference Rate for USD / INR for
the same day for conversion into INR.
1.14 Procedure for Computation of CRR
In order to improve cash management by banks, as a measure of simplification, a
lag of one fortnight in the maintenance of stipulated CRR by banks was
introduced with effect from the fortnight beginning November 06, 1999.
1.15 Maintenance of CRR on Daily Basis
With a view to providing flexibility to banks in choosing an optimum strategy of
holding reserves depending upon their intra fortnight cash flows, all SCBs are
required to maintain minimum CRR balances up to 70 per cent of the average daily
required reserves for a reporting fortnight on all days of the fortnight with
effect from the fortnight beginning December 28, 2002.
1.16 No Interest Payment on Eligible Cash Balances maintained by SCBs with RBI
under CRR
In view of the amendment carried out to RBI Act 1934, omitting sub-section (1B)
of Section 42, the Reserve Bank does not pay any interest on the CRR balances
maintained by SCBs with effect from the fortnight beginning March 31, 2007.
1.17 Fortnightly Return in Form A (CRR)
Under Section 42 (2) of the RBI Act, 1934, all SCBs are required to submit to
Reserve Bank a provisional Return in Form 'A' within 7 days from the expiry of
the relevant fortnight which is used for preparing press communiqué. The final
Form 'A' Return is required to be submitted to RBI within 20 days from expiry of
the relevant fortnight. Based on the recommendation of the Working Group on
Money Supply: Analytics and Methodology of Compilation, all SCBs in India are
required to submit from the fortnight beginning October 9, 1998, Memorandum to
Form 'A' Return giving details about paid-up capital, reserves, time deposits
comprising short-term (of contractual maturity of one year or less) and
long-term (of contractual maturity of more than one year), certificates of
deposits, NDTL, total CRR requirement etc., Annexure A to Form ‘A’ Return
showing all foreign currency liabilities and assets and Annexure B to Form ‘A’
Return giving details about investment in approved securities, investment in
non-approved securities, memo items such as subscription to shares /debentures /
bonds in primary market and subscriptions through private placement. The present
practice of calculation of the proportion of demand liabilities and time
liabilities by SCBs in respect of their savings bank deposits on the basis of
the position as at the close of business on 30th September and 31st March every
year (cf. RBI circular DBOD.No.BC.142/09.16.001/97-98 dated November 19, 1997)
shall continue in the new system of interest application on savings bank
deposits on a daily product basis. The average of the minimum balances
maintained in each of the month during the half year period shall be treated by
the bank as the amount representing the "time liability” portion of the savings
bank deposits. When such an amount is deducted from the average of the actual
balances maintained during the half year period, the difference would represent
the "demand liability” portion. The proportions of demand and time liabilities
so obtained for each half year shall be applied for arriving at demand and time
liabilities components of savings bank deposits for all reporting fortnights
during the next half year.
1.18 Penalties
From the fortnight beginning June 24, 2006, penal interest is charged as under
in cases of default in maintenance of CRR by SCBs :
(i) In case of default in maintenance of CRR requirement on a daily basis which
is presently 70 per cent of the total CRR requirement, penal interest will be
recovered for that day at the rate of three per cent per annum above the Bank
Rate on the amount by which the amount actually maintained falls short of the
prescribed minimum on that day and if the shortfall continues on the next
succeeding day/s, penal interest will be recovered at the rate of five per cent
per annum above the Bank Rate.
(ii) In cases of default in maintenance of CRR on average basis during a
fortnight, penal interest will be recovered as envisaged in sub-section (3) of
Section 42 of Reserve Bank of India Act, 1934.
SCBs are required to furnish the particulars such as date, amount, percentage,
reason for default in maintenance of requisite CRR and also action taken to
avoid recurrence of such default.
2. Maintenance of Statutory Liquidity Ratio (SLR)
Consequent upon amendment to the Section 24 of the Banking Regulation Act, 1949
through the Banking Regulation (Amendment) Act, 2007 replacing the Regulation
(Amendment) Ordinance, 2007, effective January 23, 2007, the Reserve Bank can
prescribe the SLR for SCBs in specified assets. The value of such assets of a
SCB shall not be less than such percentage not exceeding 40 per cent of its
total DTL in India as on the last Friday of the second preceding fortnight as
the Reserve Bank may, by notification in the Official Gazette, specify from time
to time.
SCBs can participate in the Marginal Standing Facility (MSF) scheme introduced
by Reserve Bank with effect from May 09, 2011. Under this facility, the eligible
entities may borrow up to two per cent of their respective NDTL outstanding at
the end of the second preceding fortnight from April 17, 2012. Additionally, the
eligible entities may also continue to access overnight funds under this
facility against their excess SLR holdings. In the event, the banks’ SLR holding
falls below the statutory requirement up to two per cent of their NDTL, banks
will not have the obligation to seek a specific waiver for default in SLR
compliance arising out of use of this facility in terms of notification issued
under sub section (2A) of section 24 of the Banking Regulation Act, 1949.
Reserve Bank has specified vide notification DBOD.No.Ret.32/12.02.001/2012-13
dated July 31, 2012 that w.e.f. the fortnight beginning August 11, 2012 every
SCB shall continue to maintain in India assets as detailed below, the value of
which shall not, at the close of business on any day, be less than 23 per cent
on the total net demand and time liabilities as on the last Friday of the second
preceding fortnight valued in accordance with the method of valuation specified
by the Reserve Bank of India from time to time:
(a) Cash or
(b) Gold valued at a price not exceeding the current market price, or
(c) Investment in the following instruments which will be referred to as
"Statutory Liquidity Ratio (SLR) securities":
(i) Dated securities issued up to May 06, 2011as listed in the Annex to
Notification DBOD.No.Ret.91/12.02.001/2010-11 dated May 09, 2011;
(ii) Treasury Bills of the Government of India;
(iii) Dated securities of the Government of India issued from time to time under
the market borrowing programme and the Market Stabilization Scheme;
(iv) State Development Loans (SDLs) of the State Governments issued from time to
time under the market borrowing programme; and
(v) Any other instrument as may be notified by the Reserve Bank of India.
Provided that the securities (including margin) referred to above, if acquired
under the Reserve Bank- Liquidity Adjustment Facility (LAF), shall not be
treated as an eligible asset for this purpose.
Explanation:
1. For the above purpose, "market borrowing programme" shall mean the domestic
rupee loans raised by the Government of India and the State Governments from the
public and managed by the Reserve Bank of India through issue of marketable
securities, governed by the Government Securities Act, 2006 and the Regulations
framed there under, through an auction or any other method, as specified in the
Notification issued in this regard.
2. Encumbered SLR securities shall not be included for the purpose of computing
the percentage specified above.
Provided that for the purpose of computing the percentage of assets referred to
hereinabove, the following shall be included, viz.,:
(i) 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; and,
(ii) securities offered as collateral to the Reserve Bank of India for availing
liquidity assistance from Marginal Standing Facility (MSF) up to two percent of
the total NDTL in India carved out of the required SLR portfolio of the bank
concerned.
3. In computing the amount for the above purpose, the following shall be deemed
to be cash maintained in India:
(i) The deposit required under sub-section (2) of Section 11 of the Banking
Regulation Act, 1949 to be made with the Reserve Bank by a banking company
incorporated outside India;
(ii) Any balances maintained by a scheduled bank with the Reserve Bank in excess
of the balance required to be maintained by it under Section 42 of the Reserve
Bank of India Act,1934 (2 of 1934);
(iii) Net balances in current accounts with other scheduled commercial banks in
India.
Note:
1. With a view to disseminating information on the SLR status of a Government
security, it has been decided that:
(i) the SLR status of securities issued by the Government of India and the State
Governments will be indicated in the Press Release issued by the Reserve Bank of
India at the time of issuance of the securities; and,
(ii) an updated and current list of the SLR securities will be posted on the
Reserve Bank's website (www.rbi.org.in) under the link "Database on Indian
Economy”)
2. The cash management bill will be treated as Government of India Treasury Bill
and accordingly shall be treated as SLR securities.
2.1 Procedure for Computation of SLR
The procedure to compute total NDTL for the purpose of SLR under Section 24 (2)
(B) of Banking Regulation Act, 1949 is broadly similar to the procedure followed
for CRR. The liabilities mentioned under Section 1.11 will not form part of
liabilities for the purpose of SLR also. SCBs are required to include inter-bank
term deposits / term borrowing liabilities of all maturities in 'Liabilities to
the Banking System'. Similarly, banks should include their inter-bank assets of
term deposits and term lending of all maturities in 'Assets with the Banking
System' for computation of NDTL for SLR purpose.
2.2 Classification and Valuation of Approved Securities for SLR
As regards classification and valuation of approved securities, banks may be
guided by the instructions contained in our Master Circular (as updated from
time to time) on Prudential Norms for classification, valuation and operation of
investment portfolio by banks.
2.3 Penalties
If a banking company fails to maintain the required amount of SLR, it shall be
liable to pay to RBI in respect of that default, the penal interest for that day
at the rate of three per cent per annum above the Bank Rate on the shortfall and
if the default continues on the next succeeding working day, the penal interest
may be increased to a rate of five per cent per annum above the Bank Rate for
the concerned days of default on the shortfall.
2.4 Return in Form VIII (SLR)
i) Banks should submit to the Reserve Bank before 20th day of every month, a
Return in Form VIII showing the amounts of SLR held on alternate Fridays during
immediate preceding month with particulars of their DTL in India held on such
Fridays or if any such Friday is a Public Holiday under the Negotiable
Instruments Act, 1881, at the close of business on preceding working day.
ii) Banks should also submit a statement as annexure to Form VIII Return giving
daily position of (a) assets held for the purpose of compliance with SLR, (b)
the excess cash balances maintained by them with RBI in the prescribed format,
and (c) the mode of valuation of securities.
2.5 Correctness of Computation of DTL to be certified by Statutory Auditors
The Statutory Auditors should verify and certify that all items of outside
liabilities, as per the bank’s books had been duly compiled by the bank and
correctly reflected under DTL/NDTL in the fortnightly/monthly statutory returns
submitted to Reserve Bank for the financial year.
Appendix
List of circulars consolidated by the Master Circular
Sl No. |
Corresponding paragraph number in this Master Circular
|
Circular No. |
Date |
Subject |
1 |
1.2 |
RBI/2012-2013/401
DBOD.No.Ret.BC.76/12.01.001/2012-13 |
29/01/2013 |
Section 42(1) of Reserve Bank of India Act,1934-Maintenance of Cash Reserve
Ratio |
2 |
1.4,1.5,1.7 |
DBOD.No.Leg. BC.34/C.233A-85 |
23/03/1985 |
Demand Liabilities, Time Liabilities, ODTL |
3 |
1.7 |
DBOD.No.Ret.BC 149/C 236(G)71 |
27/12/1971 |
ODTL |
4 |
1.7 |
DBOD.No.BC.58/ 12.02.001/94-95 |
13/05/1995 |
Margin money on bills purchased |
5 |
1.7 |
Mail Box Clarification |
25/04/2013 |
Inclusion of Accrued Interest in the NDTL for maintenance of CRR/SLR |
6 |
1.9 |
DBOD.No.BC. 111/12.02.001/97 |
13/10/1997 |
Borrowings from banks abroad-Maintenance of reserve requirement |
7 |
1.10 |
DBOD.No.Ret.BC. 14/12.01.001/2003-04 |
21/08/2003 |
Arrangements with
correspondent banks for remittance facilities |
8 |
1.11( c) |
DBOD.No.Ret.BC. 40/c.236(G)Spl-86 |
27/03/1986 |
Amount received from DICGC |
9 |
1.11 (d,e,f) |
DBOD.No.Ret.BC. 98/C.96(Ret)-86 |
12/09/1986 |
Exclusion from NDTL-Receipt from Court Receiver, Insurance Company and ECGC |
10 |
1.11 (g) |
DBOD.No.BC.191 /12.01.001/93 |
02/11/1993 |
Liabilities under Bankers Acceptance Facility (BAF) |
11 |
1.11(h) |
RPCD.SP.BC.No.06/09.01.01/2006-07 |
07/07/2006 |
SwarnajayantiSwarozgarYojana |
12 |
1.11 (j) |
RPCD.PLFS.BC. No.2/05.02.02(RG)/2003-04
|
03/07/2003 |
Capital Investment Subsidy Scheme for Construction/Renovation/Expansion of Rural
Godowns |
13 |
1.12 |
RBI/2006-2007/332 DBOD.Ret.BC.84/12.01.001/2006-07
|
20/04/2007 |
Maintenance of CRR on exempted categories |
14 |
1.12 |
DBOD.No.BC.5/12.01.001/2001-02 |
07/08/2001 |
Reporting of Inter-bank liabilities in Form A |
15 |
1.12(ii) |
DBOD.No.BC.82/12.01.001/2001-2002 |
26/03/2002 |
Maintenance of CRR-ACU Dollar Funds-Exemption of |
16 |
1.12(iii) |
DBOD.IBS.BC.88/ 23.13.004/2002-03 |
27/03/2003 |
Offshore Banking Units (OBUs) in Special Economic Zones (SEZs) |
17 |
1.13 |
DBOD.No.BC.50/12.01.001/2000-01 |
07/11/2000 |
Collection of Data from Scheduled Commercial Banks in Annexure A and B |
18 |
1.13, 1.17 |
DBOD.NO.Ret.BC.113/12.01.001/2011-12 |
29/06/2012 |
Section 42 of the RBI Act, 1934-Maintenance of CRR on Foreign Currency
(Non-Resident) [FCNR(B)] Scheme |
19 |
1.13 |
Mail Box Clarification |
17/08/2012 |
Maintenance of CRR on FCNR(B) Scheme |
20 |
1.15 |
DBOD.No.BC.54/12.01.001/2002-03 |
27/12/2002 |
Relaxation in Daily Minimum Cash Reserve Maintenance Requirement |
21 |
1.16 |
RBI/2006-2007/331
DBOD.No.Ret.BC. 82/12.01.001/2006-07 |
20/04/2007 |
Maintenance of Cash Reserve Ratio (CRR) |
22 |
1.17 |
RBI/2006-2007/106 |
10/08/2006 |
Section 42 (1) of Reserve Bank |
23 |
1.18 |
DBOD.BC.89/ 12.01.001/98-99 |
24/08/1998 |
Return in Form 'A' |
24 |
1.18 |
DBOD.No.BC.50/12.01.001/2000-01 |
07/11/2000 |
Collection of Data from Scheduled Commercial
Banks in Annexure A and B |
25 |
2 |
DBOD No.Ret.BC. 33/12.02.001/2012-13 |
31/07/2012 |
Section 24 of the Banking Regulation Act, 1949 Maintenance of Statutory
Liquidity Ratio (SLR) |
26 |
2(ii) |
Circular DBOD.No.Ret.BC.95/12.02.001/2011-12
|
17/04/2012 |
Section 24 of the Banking Regulation Act, 1949-Maintenance of Statutory
Liquidity Ratio (SLR)-Marginal Standing Facility (MSF) |
27 |
2 (c)(i) |
DBOD. No.Ret.BC. 91/12.02.001/2010-11
|
09/05/2011 |
Maintenance of Statutory Liquidity Ratio (SLR) |
28 |
2 Note (i) (ii) |
DBOD.No. Ret.BC. 91/12.02.001/2010-11
|
09/05/2011 |
Maintenance of Statutory Liquidity Ratio |
29 |
2 Note (2) |
DBOD.No.Ret.BC.36/12.02.001/2009-10 |
01/09/2009 |
Maintenance of Statutory Liquidity Ratio |
30 |
2.2 |
DBOD.No.BP.BC. 19/21.04.141/ 2011-12 |
01/07/2011 |
Prudential norms for classification, valuation and operation of Investment
portfolio by banks |
31 |
2.2 |
DBOD.No.BC.87/12.02.001/2001-2002 |
10/04/2002 |
Valuation of Securities for the purpose of SLR |
32 |
2.4(ii) |
CPC.BC.69/279 (A)-84 |
30/10/1984 |
Data on maintenance of Statutory Liquidity Requirement-Supplemental information
to the Special Return |