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Press Releases
جنوری 18, 2012
Issue of span class="Rupee">`100 Banknotes with "R" inset letter incorporation of Rupee symbol
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The Reserve Bank of India will shortly issue `100 denomination Banknotes with "R" inset letter incorporating "`" symbol, in the Mahatma Gandhi Series-2005 bearing the signature of Dr. D. Subbarao, Governor , Reserve Bank of India, and the year of printing on the reverse of the Banknote. The design of these notes to be issued now is similar in all respects to the Banknotes of `100 in Mahatma Gandhi Series-2005 issued earlier. All the Banknotes in the denomination of `1
The Reserve Bank of India will shortly issue `100 denomination Banknotes with "R" inset letter incorporating "`" symbol, in the Mahatma Gandhi Series-2005 bearing the signature of Dr. D. Subbarao, Governor , Reserve Bank of India, and the year of printing on the reverse of the Banknote. The design of these notes to be issued now is similar in all respects to the Banknotes of `100 in Mahatma Gandhi Series-2005 issued earlier. All the Banknotes in the denomination of `1
نومبر 29, 2010
The Reserve Bank of India has today cautioned members of public about unauthorised companies which collect money from public stating that they have been authorised by the Reserve Bank to do so. The Reserve Bank stated that it has published on its website (http://rbi.org.in/scripts/BS_NBFCList.aspx) a list of non-banking finance companies (NBFCs) which are permitted to accept deposits. No NBFC outside of this list can accept deposits from public. Doing so is clearly fr
The Reserve Bank of India has today cautioned members of public about unauthorised companies which collect money from public stating that they have been authorised by the Reserve Bank to do so. The Reserve Bank stated that it has published on its website (http://rbi.org.in/scripts/BS_NBFCList.aspx) a list of non-banking finance companies (NBFCs) which are permitted to accept deposits. No NBFC outside of this list can accept deposits from public. Doing so is clearly fr
پی ڈی ایف (
مئی 31, 2010
The Reserve Bank advised banks on May 26, 2010, to exercise due caution and to be extra vigilant concerning the fictitious offers whereby bank accounts are opened and/or transactions made in the accounts for receiving payments styled as transaction charges, etc, towards the so-called transfer of prize money/award money, etc. The Reserve Bank has clarified that any person resident in India collecting and effecting/remitting such payments directly /indirectly outside In
The Reserve Bank advised banks on May 26, 2010, to exercise due caution and to be extra vigilant concerning the fictitious offers whereby bank accounts are opened and/or transactions made in the accounts for receiving payments styled as transaction charges, etc, towards the so-called transfer of prize money/award money, etc. The Reserve Bank has clarified that any person resident in India collecting and effecting/remitting such payments directly /indirectly outside In
نومبر 17, 2009
Issue of Rs.50/- denomination banknotes with 'L' Inset letter in both numbering panels in Mahatma Gandhi Series – 2005 bearing the signature of Dr. D. Subbarao, Governor
The Reserve Bank of India will shortly issue Rs.50/- denomination banknotes with 'L' inset letter in both numbering panels in Mahatma Gandhi Series – 2005 bearing the signature of Dr. D. Subbarao, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series – 2005, with additional / new security features issued on August 24, 2005. All banknotes in the denomination o
The Reserve Bank of India will shortly issue Rs.50/- denomination banknotes with 'L' inset letter in both numbering panels in Mahatma Gandhi Series – 2005 bearing the signature of Dr. D. Subbarao, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series – 2005, with additional / new security features issued on August 24, 2005. All banknotes in the denomination o
جولائی 30, 2009
The Reserve Bank of India has, today once again clarified that remittance in any form towards participation in lottery schemes is prohibited under the Foreign Exchange Management Act, 1999. Further, these restrictions are applicable also to remittances for participation in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money / awards, etc. The Reserve Bank has clarified that it
The Reserve Bank of India has, today once again clarified that remittance in any form towards participation in lottery schemes is prohibited under the Foreign Exchange Management Act, 1999. Further, these restrictions are applicable also to remittances for participation in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money / awards, etc. The Reserve Bank has clarified that it
مارچ 12, 2008
The Reserve Bank of India today appealed to members of public not to use banknotes for making garlands, decorating pandals and places of worship or for showering on personalities in social events, etc. Such actions deface the banknotes and shorten their life, the Reserve Bank stated and added that banknotes should be respected as they are a symbol of the Sovereign and public should not misuse them so that the life of banknotes is enhanced. The Reserve Bank has stated
The Reserve Bank of India today appealed to members of public not to use banknotes for making garlands, decorating pandals and places of worship or for showering on personalities in social events, etc. Such actions deface the banknotes and shorten their life, the Reserve Bank stated and added that banknotes should be respected as they are a symbol of the Sovereign and public should not misuse them so that the life of banknotes is enhanced. The Reserve Bank has stated
دسمبر 11, 2007
The Reserve Bank of India will shortly issue Rs. 10/- denomination banknotes with inset letter ';S'; in both numbering panels in Mahatma Gandhi Series bearing the signature of Dr. Y.V. Reddy, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series with additional / new security features issued on April 27, 2006. All banknotes in the denomination of Rs.10/- issu
The Reserve Bank of India will shortly issue Rs. 10/- denomination banknotes with inset letter ';S'; in both numbering panels in Mahatma Gandhi Series bearing the signature of Dr. Y.V. Reddy, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series with additional / new security features issued on April 27, 2006. All banknotes in the denomination of Rs.10/- issu
دسمبر 07, 2007
The Reserve Bank of India has advised members of public not to fall prey to fictitious offers for release of cheap funds claimed to have been remitted by overseas entities to banks in India / Reserve Bank of India. Members of public should also not make any remittance towards participation in such schemes/offers from unknown entities. Describing the typical modality of such offers, the Reserve Bank of India stated that certain foreign entities / individuals, including
The Reserve Bank of India has advised members of public not to fall prey to fictitious offers for release of cheap funds claimed to have been remitted by overseas entities to banks in India / Reserve Bank of India. Members of public should also not make any remittance towards participation in such schemes/offers from unknown entities. Describing the typical modality of such offers, the Reserve Bank of India stated that certain foreign entities / individuals, including
دسمبر 07, 2007
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The Reserve Bank of India will shortly issue Rs.10 denomination banknotes without inset letter in both numbering panels in Mahatma Gandhi Series - 2005 bearing the signature of Dr. D.Subbarao, Governor. Except for the change in the signature, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series - 2005, with additional / new security features issued on April 27, 2006. All banknotes in the denomination of Rs.10
The Reserve Bank of India will shortly issue Rs.10 denomination banknotes without inset letter in both numbering panels in Mahatma Gandhi Series - 2005 bearing the signature of Dr. D.Subbarao, Governor. Except for the change in the signature, the design of these notes to be issued now is similar in all respects to the banknotes in Mahatma Gandhi Series - 2005, with additional / new security features issued on April 27, 2006. All banknotes in the denomination of Rs.10
نومبر 12, 2007
The Reserve Bank of India will put into circulation New Cupro-Nickel (CN) coins of Rs.5/- issued by the Government of India to commemorate the occasion of “150 Years – The First War of Independence“. Denomination of the coin Shape and outside diameter Weight Metal Composition Five Rupees Circular 23 mm with security edge 9 gms Cupro-Nickel Alloy Copper – 75% Nickel - 25% Design : Obverse : This face of coin shall bear the Lion Capital of Ashoka Pillar with the legend
The Reserve Bank of India will put into circulation New Cupro-Nickel (CN) coins of Rs.5/- issued by the Government of India to commemorate the occasion of “150 Years – The First War of Independence“. Denomination of the coin Shape and outside diameter Weight Metal Composition Five Rupees Circular 23 mm with security edge 9 gms Cupro-Nickel Alloy Copper – 75% Nickel - 25% Design : Obverse : This face of coin shall bear the Lion Capital of Ashoka Pillar with the legend
نومبر 05, 2007
The Reserve Bank of India will shortly issue Rs.10 denomination banknotes with inset letter ';A'; in both numbering panels in Mahatma Gandhi Series with additional/new security features bearing the signature of Dr. Y.V. Reddy, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes issued earlier in Mahatma Gandhi Series with additional/new security features issued on April 27, 2006. A
The Reserve Bank of India will shortly issue Rs.10 denomination banknotes with inset letter ';A'; in both numbering panels in Mahatma Gandhi Series with additional/new security features bearing the signature of Dr. Y.V. Reddy, Governor. Except for the change in the inset letter, the design of these notes to be issued now is similar in all respects to the banknotes issued earlier in Mahatma Gandhi Series with additional/new security features issued on April 27, 2006. A
ستمبر 27, 2007
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Coins of Rs.5 with the theme 'CONNECTIVITY AND INFORMATION TECHNOLOGY' The coins shall conform to the following dimension, design and composition, namely : Denomination of the coin Shape and outside diameter Metal composition Five Rupees Circular 23 millimeters with security edges (Mono-Metallic) Ferritic Stainless Steel containing – Iron – 83% Chromium – 17% Designs:OBVERSE : The
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Coins of Rs.5 with the theme 'CONNECTIVITY AND INFORMATION TECHNOLOGY' The coins shall conform to the following dimension, design and composition, namely : Denomination of the coin Shape and outside diameter Metal composition Five Rupees Circular 23 millimeters with security edges (Mono-Metallic) Ferritic Stainless Steel containing – Iron – 83% Chromium – 17% Designs:OBVERSE : The
ستمبر 25, 2007
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Coins of Rs. 2 with the theme "PLATINUM JUBILEE OF INDIAN AIR FORCE (1932-2007)" The coins shall conform to the following dimensions, designs and compositions, namely : Denomination of the coin Shape and outside diameter Metal composition Two Rupees Circular 27 millimeters Ferritic Stainless Steel containing – Iron – 83% Chromium – 17% Designs : OBVERSE : The face of the coin is d
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Coins of Rs. 2 with the theme "PLATINUM JUBILEE OF INDIAN AIR FORCE (1932-2007)" The coins shall conform to the following dimensions, designs and compositions, namely : Denomination of the coin Shape and outside diameter Metal composition Two Rupees Circular 27 millimeters Ferritic Stainless Steel containing – Iron – 83% Chromium – 17% Designs : OBVERSE : The face of the coin is d
ستمبر 25, 2007
On a review of the current macro economic situation and in consultation with the Government of India, it has been decided to accelerate the implementation of the third phase of the recommendations of the Committee on Fuller Capital Account Convertibility (CFCAC) with regard to the foreign exchange outflows.Accordingly, the following measures are being implemented with immediate effect: i) Investment in overseas Joint Ventures (JV) / Wholly Owned Subsidiaries (WOS) by
On a review of the current macro economic situation and in consultation with the Government of India, it has been decided to accelerate the implementation of the third phase of the recommendations of the Committee on Fuller Capital Account Convertibility (CFCAC) with regard to the foreign exchange outflows.Accordingly, the following measures are being implemented with immediate effect: i) Investment in overseas Joint Ventures (JV) / Wholly Owned Subsidiaries (WOS) by
اگست 10, 2007
The Reserve Bank of India had announced a Liberalized Remittance Scheme (the Scheme) in February 2004 as a step towards further simplification and liberalization of the foreign exchange facilities available to resident individuals. As per the Scheme, resident individuals may remit up to USD 100,000 per financial year for any permitted capital and current account transactions. The Scheme was operationalised vide A.P. (DIR Series) Circular No. 64 dated February 4, 2004.
The Reserve Bank of India had announced a Liberalized Remittance Scheme (the Scheme) in February 2004 as a step towards further simplification and liberalization of the foreign exchange facilities available to resident individuals. As per the Scheme, resident individuals may remit up to USD 100,000 per financial year for any permitted capital and current account transactions. The Scheme was operationalised vide A.P. (DIR Series) Circular No. 64 dated February 4, 2004.
جولائی 24, 2007
The Reserve Bank had announced in paragraph 153 of the ‘Annual Policy Statement for the year 2006-2007’ the setting up of a Technical Group to review legislations on money lending for (a) reviewing the efficacy of the existing legislative framework, which governs money lending, (b) reviewing the enforcement machinery in different states and (c) making recommendations to State Governments for improving the legal and enforcement framework in the interest of rural househ
The Reserve Bank had announced in paragraph 153 of the ‘Annual Policy Statement for the year 2006-2007’ the setting up of a Technical Group to review legislations on money lending for (a) reviewing the efficacy of the existing legislative framework, which governs money lending, (b) reviewing the enforcement machinery in different states and (c) making recommendations to State Governments for improving the legal and enforcement framework in the interest of rural househ
اپریل 18, 2007
The Reserve Bank of India today introduced Protected Disclosures Scheme for private and foreign banks operating in India. The circular issued to private sector and foreign banks operating in India in this regard is placed on the RBI website at www.rbi.org.in for information of members of public. Public sector banks and the Reserve Bank of India (since it is an entity established under Central Statute) have already been brought under the purview of Government of India
The Reserve Bank of India today introduced Protected Disclosures Scheme for private and foreign banks operating in India. The circular issued to private sector and foreign banks operating in India in this regard is placed on the RBI website at www.rbi.org.in for information of members of public. Public sector banks and the Reserve Bank of India (since it is an entity established under Central Statute) have already been brought under the purview of Government of India
اپریل 12, 2007
In order to help the members of public in obtaining Re.1, Rs.2 and Rs. 5 denomination coins near their residence/place of work, the Reserve Bank of India, Mumbai has made special arrangements to issue these coins in exchange of notes at the following bank branches: Sr. No. Name of the bank Branch address Date Timings 1. Corporation Bank, D.N Road branch, Veena Chambers, 21, Dalal Street, Mez. Floor, Fort, Mumbai 400 023 April 17, 2007 11 am to 3 pm 2. Central Bank of
In order to help the members of public in obtaining Re.1, Rs.2 and Rs. 5 denomination coins near their residence/place of work, the Reserve Bank of India, Mumbai has made special arrangements to issue these coins in exchange of notes at the following bank branches: Sr. No. Name of the bank Branch address Date Timings 1. Corporation Bank, D.N Road branch, Veena Chambers, 21, Dalal Street, Mez. Floor, Fort, Mumbai 400 023 April 17, 2007 11 am to 3 pm 2. Central Bank of
مارچ 29, 2007
For the convenience of taxpayers, the Reserve Bank of India has made special arrangements at its Mumbai and Navi Mumbai offices to receive cash deposits representing taxes at the counters upto 4.00 p.m. on March 31, 2007. Cheques/other instruments representing payment of taxes to the Government would be received upto 5.00 p.m. on March 31, 2007. Instructions have also been issued to agency banks, viz., State Bank of India and its associates, public sector banks and de
For the convenience of taxpayers, the Reserve Bank of India has made special arrangements at its Mumbai and Navi Mumbai offices to receive cash deposits representing taxes at the counters upto 4.00 p.m. on March 31, 2007. Cheques/other instruments representing payment of taxes to the Government would be received upto 5.00 p.m. on March 31, 2007. Instructions have also been issued to agency banks, viz., State Bank of India and its associates, public sector banks and de
مارچ 20, 2007
The Reserve Bank of India, from time to time makes special arrangements to issue coins in exchange from branches of commercial banks to help members of public in obtaining coins near their residence or place of work. Under the same initiative, Crawford Market branch of HDFC Bank will issue coins of Rs.2 in exchange on March 21, 2007 between 11.00 a.m. and 2.00 p.m. Similarly, Chembur branch of UTI bank will issue coins of Rs.2 in exchange on March 23, 2007 between 11.
The Reserve Bank of India, from time to time makes special arrangements to issue coins in exchange from branches of commercial banks to help members of public in obtaining coins near their residence or place of work. Under the same initiative, Crawford Market branch of HDFC Bank will issue coins of Rs.2 in exchange on March 21, 2007 between 11.00 a.m. and 2.00 p.m. Similarly, Chembur branch of UTI bank will issue coins of Rs.2 in exchange on March 23, 2007 between 11.
دسمبر 19, 2006
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Rs.2 Coins with the theme 'unity in diversity'. The coins are circular in shape with 27 millimeters diameter with a metal composition of 17 percent chromium and 83 percent iron. The face of the coin has three portions. The centre portion bears the Lion Capitol of Ashoka Pillar with the legend mel³ecesJe pe³eles inscribed below and the prominent international numerals '2' indicatin
The Reserve Bank of India will shortly put into circulation new Ferritic Stainless Steel Rs.2 Coins with the theme 'unity in diversity'. The coins are circular in shape with 27 millimeters diameter with a metal composition of 17 percent chromium and 83 percent iron. The face of the coin has three portions. The centre portion bears the Lion Capitol of Ashoka Pillar with the legend mel³ecesJe pe³eles inscribed below and the prominent international numerals '2' indicatin
ستمبر 30, 2006
The Government of India has today sanctioned the Scheme for the amalgamation of The United Western Bank Ltd. with Industrial Development Bank of India Ltd. The amalgamation will come into force on October 3, 2006. All the branches of The United Western Bank Ltd. will function as branches of Industrial Development Bank of India Ltd. with effect from this date. Customers, including depositors of The United Western Bank Ltd., will be able to operate their accounts as cus
The Government of India has today sanctioned the Scheme for the amalgamation of The United Western Bank Ltd. with Industrial Development Bank of India Ltd. The amalgamation will come into force on October 3, 2006. All the branches of The United Western Bank Ltd. will function as branches of Industrial Development Bank of India Ltd. with effect from this date. Customers, including depositors of The United Western Bank Ltd., will be able to operate their accounts as cus
اگست 31, 2006
The Reserve Bank of India will soon issue Star series banknotes. These will be issued to begin with in Rs.10, Rs.20 and Rs.50 denominations in the Mahatma Gandhi Series-2005. The Star series banknotes will look exactly like the existing banknotes of Rs.10, Rs.20 and Rs.50 but will have an additional character, viz., *(star) in the number panel between the prefix and the serial number. Consequently, some fresh banknote packets issued by the Reserve Bank may contain som
The Reserve Bank of India will soon issue Star series banknotes. These will be issued to begin with in Rs.10, Rs.20 and Rs.50 denominations in the Mahatma Gandhi Series-2005. The Star series banknotes will look exactly like the existing banknotes of Rs.10, Rs.20 and Rs.50 but will have an additional character, viz., *(star) in the number panel between the prefix and the serial number. Consequently, some fresh banknote packets issued by the Reserve Bank may contain som
اگست 10, 2006
The Reserve Bank of India issued instructions to all scheduled banks for ensuring quick restoration of all banking services in areas affected by natural calamities. The Reserve Bank's instructions include providing continued access to the customers to their bank accounts and facilitating opening of new accounts by persons affected by natural calamities, especially for availing reliefs given by Government/other agencies. The guidelines also cover measures to be taken b
The Reserve Bank of India issued instructions to all scheduled banks for ensuring quick restoration of all banking services in areas affected by natural calamities. The Reserve Bank's instructions include providing continued access to the customers to their bank accounts and facilitating opening of new accounts by persons affected by natural calamities, especially for availing reliefs given by Government/other agencies. The guidelines also cover measures to be taken b
مئی 18, 2006
The Reserve Bank of India today constituted a Working Group to formulate a scheme for ensuring reasonableness of bank charges and to incorporate them in the Fair Practices Code. The compliance of Fair Practices Code would be monitored by the Banking Codes and Standards Board of India. The members of the Working Group will be: 1. Shri N. Sadasivan, Banking Ombudsman, Mumbai – Chairman 2. Shri S. Diwakara, All India Depositors' Association 3. Shri H.N. Sinor, Chief Exec
The Reserve Bank of India today constituted a Working Group to formulate a scheme for ensuring reasonableness of bank charges and to incorporate them in the Fair Practices Code. The compliance of Fair Practices Code would be monitored by the Banking Codes and Standards Board of India. The members of the Working Group will be: 1. Shri N. Sadasivan, Banking Ombudsman, Mumbai – Chairman 2. Shri S. Diwakara, All India Depositors' Association 3. Shri H.N. Sinor, Chief Exec
مئی 18, 2006
The Reserve Bank of India has been taking measures, on an ongoing basis, for protection of customers’ rights, enhancing the quality of customer service and strengthening grievance redressal mechanism in banks and in the Reserve Bank of India. These activities were so far being undertaken by different departments of the Reserve Bank of India. In order to bring together all activities relating to customer service in banks and Reserve Bank of India in a single department
The Reserve Bank of India has been taking measures, on an ongoing basis, for protection of customers’ rights, enhancing the quality of customer service and strengthening grievance redressal mechanism in banks and in the Reserve Bank of India. These activities were so far being undertaken by different departments of the Reserve Bank of India. In order to bring together all activities relating to customer service in banks and Reserve Bank of India in a single department
مئی 06, 2006
The Reserve Bank of India has today issued a circular announcing measures to enable individuals to have easier access to foreign exchange. According to the circular, select Full Fledged Money Changers, Urban Cooperative Banks and Regional Rural Banks will now be allowed to undertake a wider range of transactions relating to release/remittance of foreign exchange for various non-trade related current account transactions. With the progressive liberalisation in foreign
The Reserve Bank of India has today issued a circular announcing measures to enable individuals to have easier access to foreign exchange. According to the circular, select Full Fledged Money Changers, Urban Cooperative Banks and Regional Rural Banks will now be allowed to undertake a wider range of transactions relating to release/remittance of foreign exchange for various non-trade related current account transactions. With the progressive liberalisation in foreign
جنوری 23, 2006
In view of the recent misuse of Initial Public Offer (IPO) process by certain individuals/entities and reports received in this regard from Securities and Exchange Board of India (SEBI), the Reserve Bank of India took up detailed investigations at some banks to ascertain the modus operandi adopted by different parties in manipulating the system. It was observed that despite extant instructions, banks had credited the proceeds of individual account payee refund orders
In view of the recent misuse of Initial Public Offer (IPO) process by certain individuals/entities and reports received in this regard from Securities and Exchange Board of India (SEBI), the Reserve Bank of India took up detailed investigations at some banks to ascertain the modus operandi adopted by different parties in manipulating the system. It was observed that despite extant instructions, banks had credited the proceeds of individual account payee refund orders
دسمبر 26, 2005
The Reserve Bank of India today announced the revised Banking Ombudsman Scheme with enlarged scope to include customer complaints on certain new areas, such as, credit cRBI expands Scope of Banking Ombudsman Scheme; Includes Fair Banking Practicesard complaints, deficiencies in providing the promised services even by banks' sales agents, levying service charges without prior notice to the customer and non adherence to the fair practices code as adopted by individual b
The Reserve Bank of India today announced the revised Banking Ombudsman Scheme with enlarged scope to include customer complaints on certain new areas, such as, credit cRBI expands Scope of Banking Ombudsman Scheme; Includes Fair Banking Practicesard complaints, deficiencies in providing the promised services even by banks' sales agents, levying service charges without prior notice to the customer and non adherence to the fair practices code as adopted by individual b
نومبر 08, 2005
The Reserve Bank of India has come across news reports stating that there is a shortage of Rs.5 coins due to which Rs.5 banknotes are being re-introduced. It is clarified, for the benefit of public that there is no shortage of coins of any denomination including Rs.5 coin with the offices of the Reserve Bank of India and also other banks. The members of public desirous of obtaining coins in any denominations, may do so in exchange, from the Reserve Bank of India as al
The Reserve Bank of India has come across news reports stating that there is a shortage of Rs.5 coins due to which Rs.5 banknotes are being re-introduced. It is clarified, for the benefit of public that there is no shortage of coins of any denomination including Rs.5 coin with the offices of the Reserve Bank of India and also other banks. The members of public desirous of obtaining coins in any denominations, may do so in exchange, from the Reserve Bank of India as al
نومبر 03, 2005
The Reserve Bank has been receiving complaints from members of public regarding non-acceptance of 25 paise coins by shops, business establishments, utility services and even public sector organisations/government departments. It is also understood that there is a general impression in commercial and trading circles that 25 paise coins have ceased to be valid and are no longer in circulation. The Reserve Bank wishes to clarify that such reports are without any basis an
The Reserve Bank has been receiving complaints from members of public regarding non-acceptance of 25 paise coins by shops, business establishments, utility services and even public sector organisations/government departments. It is also understood that there is a general impression in commercial and trading circles that 25 paise coins have ceased to be valid and are no longer in circulation. The Reserve Bank wishes to clarify that such reports are without any basis an
اگست 23, 2005
It has been brought to the notice of the Reserve Bank that some of the service providers like hotels etc. quote differential tariff for foreigners in US$ and insist that the payment be made in foreign exchange. This practice is not consistent with Foreign Exchange Management Act (FEMA), 1999 and also undermines the legality of domestic currency in India. Earlier, under Foreign Exchange Regulation Act (FERA), 1973, the Government of India had issued a Notification date
It has been brought to the notice of the Reserve Bank that some of the service providers like hotels etc. quote differential tariff for foreigners in US$ and insist that the payment be made in foreign exchange. This practice is not consistent with Foreign Exchange Management Act (FEMA), 1999 and also undermines the legality of domestic currency in India. Earlier, under Foreign Exchange Regulation Act (FERA), 1973, the Government of India had issued a Notification date
جولائی 09, 2005
In order to facilitate expeditious and hassle-free settlement of claims on the death of a depositor the Reserve Bank of India has asked the banks to follow a simple procedure with minimum documentation for release of the balance in deceased account holders’ accounts which operate under ‘Either or Survivor’ clause or in accounts which have a nomination. The Reserve Bank has advised banks to release the balance amounts in the deceased depositors’ accounts to the 'Surviv
In order to facilitate expeditious and hassle-free settlement of claims on the death of a depositor the Reserve Bank of India has asked the banks to follow a simple procedure with minimum documentation for release of the balance in deceased account holders’ accounts which operate under ‘Either or Survivor’ clause or in accounts which have a nomination. The Reserve Bank has advised banks to release the balance amounts in the deceased depositors’ accounts to the 'Surviv
مئی 20, 2005
The Reserve Bank of India has today asked commercial banks to compensate the holders of Relief/Savings Bonds for the loss incurred by them on account of late receipt or delayed credit of the interest warrants/maturity value of their investments in these Bonds. The compensation would be paid at the current savings bank rate for the number of days of delay. The Reserve Bank has stated that its own offices will also pay such compensation in case the delay occurs at their
The Reserve Bank of India has today asked commercial banks to compensate the holders of Relief/Savings Bonds for the loss incurred by them on account of late receipt or delayed credit of the interest warrants/maturity value of their investments in these Bonds. The compensation would be paid at the current savings bank rate for the number of days of delay. The Reserve Bank has stated that its own offices will also pay such compensation in case the delay occurs at their
ستمبر 16, 2004
The Reserve Bank of India has come across reports and has also received complaints that shopkeepers, traders, transport undertakings, Government departments, etc. do not readily accept 25 paise and 50 paise coins on the plea that these coins are no more legal tender or they are not accepted by bank branches. It is clarified for the benefit of public that all coins including 25 paise and 50 paise coins are legal tender and will continue to be so. Reluctance on the part
The Reserve Bank of India has come across reports and has also received complaints that shopkeepers, traders, transport undertakings, Government departments, etc. do not readily accept 25 paise and 50 paise coins on the plea that these coins are no more legal tender or they are not accepted by bank branches. It is clarified for the benefit of public that all coins including 25 paise and 50 paise coins are legal tender and will continue to be so. Reluctance on the part
اگست 16, 2004
The Reserve Bank of India has, today announced that its Real Time Gross Settlement (RTGS) System has been enabled for ‘Straight Through Processing’ at the participant’s, that is, the bank’s end for putting through customer transactions. Straight through processing of customer transactions will, upon receiving the credit advice, allow banks to directly credit the customer’s account without any manual intervention. This will facilitate introduction of T+1 settlement in
The Reserve Bank of India has, today announced that its Real Time Gross Settlement (RTGS) System has been enabled for ‘Straight Through Processing’ at the participant’s, that is, the bank’s end for putting through customer transactions. Straight through processing of customer transactions will, upon receiving the credit advice, allow banks to directly credit the customer’s account without any manual intervention. This will facilitate introduction of T+1 settlement in
جولائی 17, 2004
The Reserve Bank of India (Note Refund) Rules, 1975, as amended from time to time, dealing with the adjudication of mutilated notes have been posted on our website www.rbi.org.in. With a view to simplify the same, the members of public are requested to make suggestions. The suggestions may be sent by post to the Chief General Manager, Department of Currency Management, Reserve Bank of India, Central Office, 21st Floor, Post Bag No.1379, Shahid Bhagat Singh Marg, Mumba
The Reserve Bank of India (Note Refund) Rules, 1975, as amended from time to time, dealing with the adjudication of mutilated notes have been posted on our website www.rbi.org.in. With a view to simplify the same, the members of public are requested to make suggestions. The suggestions may be sent by post to the Chief General Manager, Department of Currency Management, Reserve Bank of India, Central Office, 21st Floor, Post Bag No.1379, Shahid Bhagat Singh Marg, Mumba
مئی 25, 2004
The Reserve Bank of India has initiated a variety of measures to ensure that individuals’ transactions in foreign exchange are as easy as their transactions in rupees. The measures include introduction of a liberalised scheme of personal remittance upto US$ 25,000 in February 2004 and removal of the restrictive clause of issuing Employees’ Stock Option at concessional rates. The Reserve Bank has also changed the name of the department handling the implementation of Fo
The Reserve Bank of India has initiated a variety of measures to ensure that individuals’ transactions in foreign exchange are as easy as their transactions in rupees. The measures include introduction of a liberalised scheme of personal remittance upto US$ 25,000 in February 2004 and removal of the restrictive clause of issuing Employees’ Stock Option at concessional rates. The Reserve Bank has also changed the name of the department handling the implementation of Fo
اپریل 24, 2004
The Reserve Bank of India has today disallowed entities other than authorised dealers or authorised banks from accepting deposits from Non-Resident Indians (NRIs) received through fresh remittances from overseas. They will also not be permitted to accept deposits from NRIs by debit to their Non-Resident External (NRE)/Foreign Currency Non-Resident (Banks) (FCNR(B)) accounts. They will, however, be permitted to continue to hold the existing deposits and also renew such
The Reserve Bank of India has today disallowed entities other than authorised dealers or authorised banks from accepting deposits from Non-Resident Indians (NRIs) received through fresh remittances from overseas. They will also not be permitted to accept deposits from NRIs by debit to their Non-Resident External (NRE)/Foreign Currency Non-Resident (Banks) (FCNR(B)) accounts. They will, however, be permitted to continue to hold the existing deposits and also renew such
اپریل 19, 2004
Members of public can now tender current and uncurrent coins at the counters of public and private sector banks as also at the Reserve Bank of India's counters. Banks and the Reserve Bank will accept these coins by weight.The Reserve Bank of India has advised all the branches of public/private sector banks in Mumbai city to accept, by weight, aluminium coins of 5 paise, 10 paise, 20 paise, aluminium bronze coins of 10 paise, stainless coins of 10 paise, cupronickel co
Members of public can now tender current and uncurrent coins at the counters of public and private sector banks as also at the Reserve Bank of India's counters. Banks and the Reserve Bank will accept these coins by weight.The Reserve Bank of India has advised all the branches of public/private sector banks in Mumbai city to accept, by weight, aluminium coins of 5 paise, 10 paise, 20 paise, aluminium bronze coins of 10 paise, stainless coins of 10 paise, cupronickel co
اپریل 17, 2004
On a review of the existing non-resident deposit schemes, it has been decided to implement the following measures with immediate effect: Ceiling on Interest Rate on NRE Term Deposits It has now been decided that, until further notice, the interest rates on Non-Resident (External) Rupee (NRE) deposits for one to three years, contracted effective close of business in India on April 17, 2004, should not exceed the LIBOR/SWAP rates for US dollar of corresponding maturity.
On a review of the existing non-resident deposit schemes, it has been decided to implement the following measures with immediate effect: Ceiling on Interest Rate on NRE Term Deposits It has now been decided that, until further notice, the interest rates on Non-Resident (External) Rupee (NRE) deposits for one to three years, contracted effective close of business in India on April 17, 2004, should not exceed the LIBOR/SWAP rates for US dollar of corresponding maturity.
مارچ 18, 2004
In terms of A.P. DIR (Series) Circular No. 64 dated February 4, 2004, Reserve Bank has operationalised the Scheme permitting resident individuals to make remittance for an amount not exceeding USD 25,000 per calendar year. This facility is now available for making remittance up to USD 25,000 per calendar year for any current or capital account transaction or a combination of both. A number of foreign banks operating in India as well as Indian banks have been subsequen
In terms of A.P. DIR (Series) Circular No. 64 dated February 4, 2004, Reserve Bank has operationalised the Scheme permitting resident individuals to make remittance for an amount not exceeding USD 25,000 per calendar year. This facility is now available for making remittance up to USD 25,000 per calendar year for any current or capital account transaction or a combination of both. A number of foreign banks operating in India as well as Indian banks have been subsequen
فروری 24, 2004
In order to further simplify and liberalise the current account transactions, the Reserve Bank of India has announced its decision to freely allow the Authorised Dealers, the following categories of remittances in terms of the Foreign Exchange Management Act (Current Account Transactions) Rules, 2000: Remittance by artistes, e.g., wrestlers, dancers, entertainers etc. Commission to agents abroad for sale of residential plots for amounts up to USD 25,000 or 5 per cent
In order to further simplify and liberalise the current account transactions, the Reserve Bank of India has announced its decision to freely allow the Authorised Dealers, the following categories of remittances in terms of the Foreign Exchange Management Act (Current Account Transactions) Rules, 2000: Remittance by artistes, e.g., wrestlers, dancers, entertainers etc. Commission to agents abroad for sale of residential plots for amounts up to USD 25,000 or 5 per cent
فروری 04, 2004
As a part of the measures for further liberalization, residents would be permitted to remit an amount up to USD 25,000 per calendar year for any purpose without any distinction between the transaction being on the current account or capital account, for which a Scheme has been formulated by the Reserve Bank.All resident individuals are eligible to avail of the facility under the scheme. This facility is available for making remittance up to USD 25,000 per calendar yea
As a part of the measures for further liberalization, residents would be permitted to remit an amount up to USD 25,000 per calendar year for any purpose without any distinction between the transaction being on the current account or capital account, for which a Scheme has been formulated by the Reserve Bank.All resident individuals are eligible to avail of the facility under the scheme. This facility is available for making remittance up to USD 25,000 per calendar yea
جنوری 08, 2004
The Reserve Bank of India has reiterated that stapling of note packets had been totally banned and no bank or bank branch should issue or accept note packets in stapled condition. It has added that in case any bank or bank branch was found issuing or accepting note packets in stapled condition, it would be liable to be penalised under the existing provisions of the Banking Regulation Act, 1949. The Reserve Bank of India had last year issued a directive under Section 3
The Reserve Bank of India has reiterated that stapling of note packets had been totally banned and no bank or bank branch should issue or accept note packets in stapled condition. It has added that in case any bank or bank branch was found issuing or accepting note packets in stapled condition, it would be liable to be penalised under the existing provisions of the Banking Regulation Act, 1949. The Reserve Bank of India had last year issued a directive under Section 3
دسمبر 08, 2003
The Reserve Bank of India has been receiving representations from Indian students studying abroad requesting that they may be treated as non-residents under FEMA. The purport of their argument is that though they are students, they are, in reality, not dependent for a dominant part of their expenses on remittances from their households in India. Often they are permitted to work and have to undertake certain related financial transactions. They urge, therefore, that th
The Reserve Bank of India has been receiving representations from Indian students studying abroad requesting that they may be treated as non-residents under FEMA. The purport of their argument is that though they are students, they are, in reality, not dependent for a dominant part of their expenses on remittances from their households in India. Often they are permitted to work and have to undertake certain related financial transactions. They urge, therefore, that th
جولائی 21, 2003
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India today urged banks to ensure complete infrastructural and human resources readiness, and connectivity and security at their end so that the Real Time Gross Settlement (RTGS) facilities could percolate to the ordinary customers. He added that one of the primary objectives of every central bank is to put in place a modern, robust, secure and integrated payment and settlement system to enable the common man to make
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India today urged banks to ensure complete infrastructural and human resources readiness, and connectivity and security at their end so that the Real Time Gross Settlement (RTGS) facilities could percolate to the ordinary customers. He added that one of the primary objectives of every central bank is to put in place a modern, robust, secure and integrated payment and settlement system to enable the common man to make
جون 05, 2003
Some sections of the Print Media in their editions dated June 5, 2003, have carried stories on some difficulties and problems in, and plausible reasons, for non-implementation of the Reserve Bank of India’s Directive of November 7, 2001 regarding receipt and payment of cash only in unstapled notes. As the news item is not factual and to remove avoidable confusion, the Reserve Bank clarifies that it had issued the Directive and operative guidelines in November 2001. In
Some sections of the Print Media in their editions dated June 5, 2003, have carried stories on some difficulties and problems in, and plausible reasons, for non-implementation of the Reserve Bank of India’s Directive of November 7, 2001 regarding receipt and payment of cash only in unstapled notes. As the news item is not factual and to remove avoidable confusion, the Reserve Bank clarifies that it had issued the Directive and operative guidelines in November 2001. In
مئی 30, 2003
The Reserve Bank of India has come across reports in certain sections of the Press and is also receiving complaints that small coins of 5, 10 and 20 paise are not being accepted by banks, commercial organisations and general public for payments on the plea that these coins are no more legal tender. It is clarified that though minting and issue of these coins has been stopped, they have not been withdrawn by Government of India. All such coins issued earlier continue t
The Reserve Bank of India has come across reports in certain sections of the Press and is also receiving complaints that small coins of 5, 10 and 20 paise are not being accepted by banks, commercial organisations and general public for payments on the plea that these coins are no more legal tender. It is clarified that though minting and issue of these coins has been stopped, they have not been withdrawn by Government of India. All such coins issued earlier continue t
مئی 21, 2003
As a step towards further liberalisation, resident individuals maintaining a foreign currency account with an authorised dealer in India or a bank abroad, as permissible under extant Foreign Exchange Regulations, are free to obtain International Credit Cards (ICCs) issued by overseas banks and other reputed agencies. The charges incurred against the card either in India or abroad, can be met out of funds held in such Foreign Currency Account/s of the card holder or th
As a step towards further liberalisation, resident individuals maintaining a foreign currency account with an authorised dealer in India or a bank abroad, as permissible under extant Foreign Exchange Regulations, are free to obtain International Credit Cards (ICCs) issued by overseas banks and other reputed agencies. The charges incurred against the card either in India or abroad, can be met out of funds held in such Foreign Currency Account/s of the card holder or th
مارچ 31, 2003
The Reserve Bank of India, in conjunction with the banks, has embarked upon a Special Electronic Funds Transfer (SEFT) Scheme. The Scheme would enable safe, secure and quick transfer of funds electronically across branches of banks at many centres of the country. The Scheme would be introduced from April 1, 2003, with the settlement taking place at Mumbai for inter-bank funds transfers.The salient features of the Scheme are:The Scheme is designed to provide for same d
The Reserve Bank of India, in conjunction with the banks, has embarked upon a Special Electronic Funds Transfer (SEFT) Scheme. The Scheme would enable safe, secure and quick transfer of funds electronically across branches of banks at many centres of the country. The Scheme would be introduced from April 1, 2003, with the settlement taking place at Mumbai for inter-bank funds transfers.The salient features of the Scheme are:The Scheme is designed to provide for same d
فروری 25, 2003
The Reserve Bank of India has made it mandatory on the banks to discontinue the practice of stapling the currency note packets. It has issued a directive to banks under Section 35A of the Banking Regulation Act, 1949 in public interest with the objective of giving clean and good notes to members of public.The Reserve Bank of India has been supplying fresh notes without staples to the banks and the members of public. It however observed that banks stapled these fresh n
The Reserve Bank of India has made it mandatory on the banks to discontinue the practice of stapling the currency note packets. It has issued a directive to banks under Section 35A of the Banking Regulation Act, 1949 in public interest with the objective of giving clean and good notes to members of public.The Reserve Bank of India has been supplying fresh notes without staples to the banks and the members of public. It however observed that banks stapled these fresh n
جنوری 30, 2003
Residents, individuals, as well as corporates, can avail of international credit card facility from any of the card issuers in India. The issuers according to their credit perception fix the credit limit available against such cards. As an endeavor to further liberalise the drawals of foreign exchange for Current account transactions by residents, it has now been decided that the existing requirement of prior permission of the Reserve Bank of India for availing of for
Residents, individuals, as well as corporates, can avail of international credit card facility from any of the card issuers in India. The issuers according to their credit perception fix the credit limit available against such cards. As an endeavor to further liberalise the drawals of foreign exchange for Current account transactions by residents, it has now been decided that the existing requirement of prior permission of the Reserve Bank of India for availing of for
دسمبر 14, 2002
It was reported in a section of the press today that the Reserve Bank of India has allowed banks to sanction loans against Relief Bonds.The Reserve Bank of India has clarified that as per Government of India instructions, banks are allowed to sanction loans against Relief Bonds only. This facility is not available against 7 per cent Savings Bonds, 2002, which is a new scheme introduced in October 2002. The 7 per cent Savings Bonds 2002, which were introduced from Octo
It was reported in a section of the press today that the Reserve Bank of India has allowed banks to sanction loans against Relief Bonds.The Reserve Bank of India has clarified that as per Government of India instructions, banks are allowed to sanction loans against Relief Bonds only. This facility is not available against 7 per cent Savings Bonds, 2002, which is a new scheme introduced in October 2002. The 7 per cent Savings Bonds 2002, which were introduced from Octo
دسمبر 05, 2002
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India, exhorted the banks to implement the Reserve Bank's instructions issued from November 2001 to do away with stapling of note packets and to introduce banding the packets with paper/polythene bands so that the life of the currency notes is increased. The Deputy Governor took a meeting of Chief Executives of public sector banks and other banks having currency chests in Delhi today to discuss matters connected with
Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India, exhorted the banks to implement the Reserve Bank's instructions issued from November 2001 to do away with stapling of note packets and to introduce banding the packets with paper/polythene bands so that the life of the currency notes is increased. The Deputy Governor took a meeting of Chief Executives of public sector banks and other banks having currency chests in Delhi today to discuss matters connected with
نومبر 28, 2002
Members of public are hereby informed that the Reserve Bank of India (RBI) has authorized all branches of public sector banks and all currency chest branches of private sector banks to accept and exchange all types of soiled/mutilated notes of all denominations. Refund value of such notes in exchange is, however, paid as per RBI (note Refund) Rules, 1975. With a view to render better service to the public the exchange facility for mutilated notes is also offered by RB
Members of public are hereby informed that the Reserve Bank of India (RBI) has authorized all branches of public sector banks and all currency chest branches of private sector banks to accept and exchange all types of soiled/mutilated notes of all denominations. Refund value of such notes in exchange is, however, paid as per RBI (note Refund) Rules, 1975. With a view to render better service to the public the exchange facility for mutilated notes is also offered by RB
نومبر 01, 2002
At present, a resident in India is permitted to retain upto US $ 2000 or its equivalent in cash and/or travellers cheques provided the same has been acquired:while on visit to any place outside India by way of payment for services;from any person not resident in India or who is on a visit to India, in settlement of any lawful obligations;by way of honorarium or gift while on a visit outside India;from an authorised person for travel abroad and represents unspent amoun
At present, a resident in India is permitted to retain upto US $ 2000 or its equivalent in cash and/or travellers cheques provided the same has been acquired:while on visit to any place outside India by way of payment for services;from any person not resident in India or who is on a visit to India, in settlement of any lawful obligations;by way of honorarium or gift while on a visit outside India;from an authorised person for travel abroad and represents unspent amoun
اکتوبر 21, 2002
It has been brought to the notice of the Reserve Bank of India that an impression is sought to be created among the members of public by some agencies/persons that transactions involving "e-gold", purportedly an electronic currency, are freely permitted in India and that "e-gold" has the status of a foreign currency. The Reserve Bank has also come across a recent pamphlet on the subject, circulated along with a newspaper, which states that non-resident Indians use "e-
It has been brought to the notice of the Reserve Bank of India that an impression is sought to be created among the members of public by some agencies/persons that transactions involving "e-gold", purportedly an electronic currency, are freely permitted in India and that "e-gold" has the status of a foreign currency. The Reserve Bank has also come across a recent pamphlet on the subject, circulated along with a newspaper, which states that non-resident Indians use "e-
ستمبر 06, 2002
With a view to enabling residents to avail of foreign exchange for medical treatment abroad without any hassles and any loss of time, it has now been decided that authorised dealers may release foreign exchange upto US$50,000, for medical treatment outside India, without insisting on any estimate from a doctor or hospital, on the basis of a declaration of requirement given by the applicant, provided the payment for purchase of such foreign exchange is being made by ch
With a view to enabling residents to avail of foreign exchange for medical treatment abroad without any hassles and any loss of time, it has now been decided that authorised dealers may release foreign exchange upto US$50,000, for medical treatment outside India, without insisting on any estimate from a doctor or hospital, on the basis of a declaration of requirement given by the applicant, provided the payment for purchase of such foreign exchange is being made by ch
ستمبر 06, 2002
The Reserve Bank of India has been taking steps towards procedural simplifications and liberalisation of the existing rules and regulations relating to the foreign exchange transactions by residents in India.Under the existing Regulations, residents have general permission to borrow upto US$250,000 from their close relatives resident outside India provided the loan is free of interest and is not repayable before seven years. In view of the representations received by
The Reserve Bank of India has been taking steps towards procedural simplifications and liberalisation of the existing rules and regulations relating to the foreign exchange transactions by residents in India.Under the existing Regulations, residents have general permission to borrow upto US$250,000 from their close relatives resident outside India provided the loan is free of interest and is not repayable before seven years. In view of the representations received by
اگست 29, 2002
The Reserve Bank of India has invited applications from agencies for undertaking distribution of coins on an experimental basis. The Reserve Bank, has stated that it will pay service charges to the agencies that undertake distribution of coins. The Reserve Bank will pay a service charge of Rs. 250 per coin bag collected from its counters. The agencies would, however, have to distribute coins to the public at face value without any charge/commission. Coins will be avai
The Reserve Bank of India has invited applications from agencies for undertaking distribution of coins on an experimental basis. The Reserve Bank, has stated that it will pay service charges to the agencies that undertake distribution of coins. The Reserve Bank will pay a service charge of Rs. 250 per coin bag collected from its counters. The agencies would, however, have to distribute coins to the public at face value without any charge/commission. Coins will be avai
جون 18, 2002
The Reserve Bank of India in paragraph 3, of its Circular AP(DIR Series) No.19 dated October 30, 2000, had indicated that Credit Cards, ATM Cards and Debit Cards etc, being only different methods of payment, all Rules/Regulations and directions issued under the Foreign Exchange Management Act, 1999 (FEMA), apply to Credit Cards, Debit Cards and ATM Cards etc. also. With a view to clarifying the permissible uses of International Credit Cards on Internet, it is clarifie
The Reserve Bank of India in paragraph 3, of its Circular AP(DIR Series) No.19 dated October 30, 2000, had indicated that Credit Cards, ATM Cards and Debit Cards etc, being only different methods of payment, all Rules/Regulations and directions issued under the Foreign Exchange Management Act, 1999 (FEMA), apply to Credit Cards, Debit Cards and ATM Cards etc. also. With a view to clarifying the permissible uses of International Credit Cards on Internet, it is clarifie
مئی 04, 2002
"The Reserve Bank of India is committing to the 'Clean Note Policy' for the citizens of this country and will command all its resources including technology for achieving the goal due to the nation". Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India stated this while inaugurating the new Currency Verification and Processing Systems (CVPS) at New Delhi office of the Reserve Bank of India. Shri S. S. Kohli, Chairman & Managing Director, Punjab National Bank,
"The Reserve Bank of India is committing to the 'Clean Note Policy' for the citizens of this country and will command all its resources including technology for achieving the goal due to the nation". Shri Vepa Kamesam, Deputy Governor, Reserve Bank of India stated this while inaugurating the new Currency Verification and Processing Systems (CVPS) at New Delhi office of the Reserve Bank of India. Shri S. S. Kohli, Chairman & Managing Director, Punjab National Bank,
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