Notifications / Circulars
01/04/2025
Master Circular - Housing Finance for UCBs
Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025
Master Circular – Housing Finance
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)
Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances
Master Circular - Guarantees and Co-acceptances
Master Circular - Guarantees, Co-acceptances & Letters of Credit - UCBs
Master Direction – Facility for Exchange of Notes and Coins
Reserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023
Master Circular - Prudential Norms on Capital Adequacy - Primary (Urban) Co-operative Banks (UCBs)
Master Direction on Counterfeit Notes, 2025 – Detection, Reporting and Monitoring
Master Circular – Basel III Capital Regulations
Master Circular on Board of Directors - UCBs
Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission
Master Circular - Disbursement of Government Pension by Agency Banks
Master Direction – Scheme of Penalties for bank branches and currency chests for deficiency in rendering customer service to the members of public
Master Direction on Penal Provisions in reporting of transactions / balances at Currency Chests
Master Circular – Lead Bank Scheme
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)
Master Circular on SHG-Bank Linkage Programme
29/03/2025
Revised norms for Government Guaranteed Security Receipts (SRs)
Special Clearing Operations on March 31, 2025
27/03/2025
General Notification for Sale and Issue of Government of India Securities (including Treasury Bills and Cash Management Bills)
Gold Monetization Scheme (GMS), 2015 - Amendment
Master Direction – Reserve Bank of India (Prudential Norms on Capital Adequacy for Regional Rural Banks) Directions, 2025
Master Directions - Reserve Bank of India (Priority Sector Lending – Targets and Classification) Directions, 2025
Priority Sector Lending Certificates
Review of Priority Sector Lending (PSL) Target – Urban Co-operative Banks (UCBs)
Currency Chest operations on March 31, 2025
21/03/2025
Treatment of Right-of-Use (ROU) Asset for Regulatory Capital Purposes
Amortisation of additional pension liability - Implementation of Pension Scheme in Regional Rural Banks with effect from November 1, 1993 - Prudential Regulatory Treatment
Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021: Clarifications
17/03/2025
Asian Clearing Union (ACU) Mechanism – Indo-Maldives trade
Annual Closing of Government Accounts – Transactions of Central / State Governments – Special Measures for the Current Financial Year (2024-25)
Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 12 Entries

Privacy Policy

Thank you for visiting our web site, our firm is committed to protecting the privacy and security of our clients' personal and financial information. This Privacy Policy outlines our policies and procedures for collecting, using, and safeguarding the information you provide to us.

We collect personal and financial information from our clients and website visitors, including:
1. Contact information (name, email, phone number, address)
2. Financial information (income, expenses, assets, liabilities)
3. Business information (company name, type, industry)

We collect this information through various means, including:
1. Online forms and submissions
2. Email and phone communications
3. In-person meetings and consultations

We use the information collected to:
1. Provide financial services and advice to our clients
2. Communicate with our clients and website visitors
3. Improve our services
4. Comply with regulatory requirements and laws

We take reasonable measures to protect the confidentiality, integrity, and security of the information we collect. These measures include:
1. Secure servers and data storage
2. Encryption and password protection
3. Access controls and authentication
4. Regular security audits and testing

We do not share personal or financial information with third parties, except:
1. With our clients' consent
2. To comply with regulatory requirements or laws
3. To protect our rights or property

Client Rights
Our clients have the right to:
1. Access and correct their personal and financial information
2. Request deletion of their information
3. Opt-out of communications and marketing

We reserve the right to update or modify this Privacy Policy at any time. Changes will be posted on our website and effective immediately.

If you have questions or concerns about our Privacy Policy, please contact us at:

Aqil & Sharma Associates
[210-211, Madras House, 67/4 Darya Ganj, 
New Delhi-110002, India.
                     &
415, Naurang House, 21, K.G.Marg,
New Delhi-110001, India.]
[9891251412]
[aqilsharma2011@gmail.com]