KNOW YOUR CIRCULAR-AGAM5-

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BCC:BR:105:8 Financing under PMEGP Issues relating to margin money subsidy under Prime
Minister’s Employment Generation Programme (PMEGP)
BCC:BR:105:6 Extension of period of ongoing Retail Festive Dhamaka Campaign upto 31.01.2013.
BCC:WB:DFB:105:
1 Export of Goods and Services –Simplification and Revision of Softex Procedure at
BCC:BR:105:5 SEZs

HO:BR:105:251 Web based centralized solution for Credit Monitoring for accounts having exposure
HO:BR:105:250 (FB+NFB)for Rs 10 crores and above

HO:BR:105:249 Detection and Reporting of Counterfeit Notes

HO:BR:105:248 Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read with
HO:BR:105:247 the section 56 of the act, ibid Baranagar Cooperative BANK LTD, Kolkata
HO:BR:105:246
List of transport operators recommended by IBA:
HO:BR:105:244 addition/renewals/Withdrawals/NonRenewal/ Changes during the period 1st
HO:BR:105:243 October 2013 to 31th October 2013

HO:BR:105:242 Allotment of Fresh Specimen Signature Number
HO:BR:105:241
Opening of Current Account under Scheme Code –CA114
HO:BR:105:240 Implementation of Section 51A of UAPA, 1967 – Updates of the UNSCR 1267(1999)
HO:BR:105:239 / 1989(2011) Committee's Al Qaida Sanctions List
HO:BR:105:238
HO:BR:105:237 Cancellation of Signing Powers
HO:BR:105:236
Attempt of fraud by sending Reserve Bank of India Official Payment Notification
HO:BR:105:235 through email.
HO:BR:105:234
Preventive Vigilance – Modus operandi of recent incidents of frauds
HO:BR:105:233 Know Your Customer (KYC) norms/Anti Money Laundering (AML)
HO:BR:105:232 Standards/Combating the Financing of Terrorism (CFT) Standards – Obligation of
Banks under PMLA, 2002 “Beneficial Owner”.
HO:BR:105:221 Allotment of Fresh Specimen Signature Number
HO:BR:105:231
HO:BR:105:230 Preventive Vigilance – Modus operandi of recent incidents of frauds
HO:BR:105:229 ALERT– Preventive Vigilance Modus operandi in incidents of attempted Frauds
HO:BR:105:228 Preventive Vigilance – Modus operandi of recent incidents of frauds
HO:BR:105:227 Introduction of new report in CBS ( live server) for checking Intersol Clearing
transactions
HO:BR:105:226
HO:BR:105:225 Accounts of CoOperative Banks.
HO:BR:105:224
HO:BR:105:223 Banking facility to persons with disabilities such as Old & Incapacitated, Visually
HO:BR:105:219 impaired, hearing impaired, physically challenged, mentally retarded etc.
HO:BR:105:222
Printing Nominee’s name in Passbook/ Account Statement and FDR
(i) Modified Directions issued under Section 35A of the Banking Regulation Act,1949
(AACS) read with the Section 56 of the Act, ibid ,(ii) Cancellation of licence to carry
on banking business in India under Section 22 of the Banking Regulation Act

Revision in Rent of Holiday Home

Settlement of claims in respect of Missing Persons in Uttarakhand Disaster

Verification of Date of Birth while opening new account

Allotment of Fresh Specimen Signature Number

Allotment of fresh Specimen Signature Number

Implementation of Section 51A of UAPA, 1967 – Updates of the UNSCR 1267(1999)
/ 1989(2011) Committee's Al Qaida Sanctions List

Disabling of “TV” Menu option in Finacle for Branches
Cancellation of Signing Powers

Option to search existing customer through the system

Allotment of Fresh Specimen Signature Number

Interest on P.F. contribution and loan A/cs, for the period ending 31st March 2014

Financial assistance for purchase of artificial limbs to physically Handicapped staff
members and/or their handicapped children & Financial assistance for purchase of

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HO:BR:105:220 hearing aid to physically Handicapped staff members and/or their handicapped
HO:BR:105:218 children
HO:BR:105:217 Establishment of Holiday Home arrangement at PORT BLAIR
HO:BR:105:216 Implementation of RBI guidelines on Introduction for opening Savings Bank account
HO:BR:105:215 Uniform interim measure
HO:BR:105:214 GBRS3 : Collection of State Taxes VAT / Sales Tax etc
HO:BR:105:213 National Pension System (NPS) Discontinuation of "Swavalamban Scheme" under
HO:BR:105:212 "All Citizen Model" (UOS)
Procedure of claim lodgment under Bankers Indemnity Policy
HO:BR:105:211 Cancellation of Signing Powers
Implementation of Section 51A of UAPA, 1967 – Updates of the UNSCR 1267(1999)
HO:BR:105:210 / 1989(2011) Committee's Al Qaida Sanctions List
HO:BR:105:209 Know Your Customer (KYC) Norms/ AntiMoney Laundering (AML) Standards/
HO:BR:105:208 Combating of Financing of Terrorism (CFT)/ Obligation of Banks under PMLA, 2002
HO:BR:105:207 – Information sought by banks from customers
HO:BR:105:206 Know Your Customer (KYC) Norms, Anti Money Laundering (AML) Standards,
HO:BR:105:205 Combating of Financing of Terrorism (CFT) Measures Obligation of Banks under
HO:BR:105:203 PMLA, 2002
HO:BR:105:204 Foreign students studying in India KYC procedure for opening of bank accounts
HO:BR:105:202 Foreign Contribution (Regulation) Act, 2010 Receipt of foreign contribution by
Individual/ NGOs/ Organisations from certain donors
HO:BR:105:201 Implementation of Section 51A of UAPA, 1967 – Updates of the UNSCR 1267(1999)
HO:BR:105:200 / 1989(2011) Committee's Al Qaida Sanctions List
HO:BR:105:199 Online epayment of Railway Freight Functionality through Centre for Railway
HO:BR:105:198 Information System (CRIS) Portal
HO:BR:105:197 National Pension System(NPS) – Release of functionality ‘S1 Submission Details’ for
HO:BR:105:196 Point of Presence(POP).
Allotment of fresh Specimen Signature Number
HO:BR:105:195 Family Benefit Scheme
HO:BR:105:194 PREVENTIVE VIGILANCE ATTEMPTS OF FRAUD BY PRESENTING FAKE DEMAND
DRAFT PURPORTED TO HAVE BEEN ISSUED BY BRANCHES OF OUR BANK
HO:BR:105:193 Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards /
HO:BR:105:192 Combating of Financing of Terrorism (CFT) measures /Obligation of Banks under
Prevention of Money Laundering Act (PMLA) 2002 Simplifying norms for Periodical
Updation of KYC

RBI’s 8% Saving (Taxable) Bonds, 2003 Premature Encashment
Allotment of Fresh Specimen Signature Number
Standardization and Enhancement of Security Features in Cheque Forms –
Arrangements for clearing residual nonCTS 2010 standard cheques.
Clarification :1. Simplified Uniform Account Opening Form for Savings Banks
account 2. Obtaining introduction for opening Savings Bank account.
Policy Documents
Acceptance of Taxes at the Counter of Receiving Bank Branches – 1. Non Issuance
of Paper Tokens 2. Non using of Double Date Stamp where Cheque / Draft tendered
with Tax challan
Implementation of Section 51A of UAPA, 1967 – Updates of the UNSCR 1267(1999)
/ 1989(2011) Committee's Al Qaida Sanctions List and Consolidated List
Strengthening Know Your Customer (KYC) norms/ Anti Money Laundering (AML)
standards/ Combating of Financing of Terrorism (CFT) /Obligation of Banks under
Prevention of Money Laundering (PMLA) Act, 2002
Levy of Cheque return charges for cheques returned due to technical reason.
Passing manual entries in P/L Interest Paid a/c in Finacle

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HO:BR:105:191 Issuance of non personalized cheque books to new SB account customers
HO:BR:105:190 (i)GBRS1 – Collection of Direct Taxes through authorised branches in physical form
(ii)GBRS2 – Collection of Indirect Taxes through authorised branches in physical
HO:BR:105:189 form
HO:BR:105:188 Clean Note Policy
Recommendations of the Committee on Legal Aspects of Bank frauds (Mitra
HO:BR:105:187 Committee) and recommendations of the High Level Group set up by Central
Vigilance Commission) (CVC) – Legal Compliance Certificate.
HO:BR:105:186 (1) RBI Master Circular on the Scheme of Incentives and Penalties for Bank
Branches including Currency Chests based on performance in rendering customer
HO:BR:105:185 service to the members of public. (2) Distribution of Banknotes
HO:BR:105:184 National Pension System (NPS) Release of new functionality "Error Rectification
HO:BR:105:183 Module (ERM)" in CRA System
HO:BR:105:182 National Pension System (NPS) Reduction in CRA Charges
HO:BR:105:181 National Pension System (NPS) Appointment of Additional Pension Fund Manager
Cancellation of Signing Powers
HO:BR:105:180 Branch Level Customer Service Committee
HO:BR:105:179 Detection and reporting of counterfeit notes – Revised Procedure, Compensation
HO:BR:105:178 and Penalties
GBRS9 : PPF / SCSS Business Authorization of Additional 350 PPF Branches
HO:BR:105:177 Allotment of Fresh Specimen Signature Number
Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards/
HO:BR:105:176 Combating of Financing of Terrorism (CFT) measures /Obligation of Banks under
Prevention of Money Laundering (PMLA) Act, 2002
HO:BR:105:175 Dearness Allowance for Workmen and Officer Employees in Banks for the month of
August, September and October 2013
HO:BR:105:174 Dearness Relief payable to STAFF PENSIONERS i.e. Pensioners of Bank of Baroda
HO:BR:105:173 for the months from August 2013 to January 2014
Dearness Relief payable to SURVIVING PRE1.1.1986 retirees of our Bank for the
HO:BR:105:172 months from August 2013 to January 2014
Allotment of fresh Specimen Signature Number
HO:BR:105:171 Migration of Postdated cheques (PDC)/Equated Monthly Installment (EMI) Cheques
HO:BR:105:170 to Electronic Clearing Service (Debit).
Revision of Cash Handling Charges from amount based charges to packet based
HO:BR:105:169 charges
HO:BR:105:168 Issuance of Pension Pay Slips and DueDrawn Statement to the Pensioners
Inspection of Public Sector Banks conducting Government Business by Reserve
HO:BR:105:167 Bank of India
HO:BR:105:166 Missing Security Instrument
Acceptance of Revised Life Certificate of the Pensioners under Coal Mines Pension
HO:BR:105:165 Scheme, 1998 and Coal Mines Family Pension Scheme, 1971 – Simplification thereto
– Board resolution
HO:BR:105:164 Cancellation of Signing Powers
AntiMoney Laundering (AML) / Combating of Financing of Terrorism (CFT)
standards
Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards /
Combating of Financing of Terrorism (CFT) measures /Obligation of Banks under
Prevention of Money Laundering (PMLA) 2002
Know Your Customer (KYC) Norms / Anti Money Laundering (AML) Standards/
Combating of Financing of Terrorism (CFT) Measures / Obligation of Banks under
PMLA,2002 Remittance towards participation in Lottery/ Job Offers, other fictitious
offers of cheap

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HO:BR:105:163 Grant of Family Pension to Next Eligible Member in the Family in the Case of Missing
Family Pensioners
HO:BR:105:162 Payment of TDS on Sale of Property
HO:BR:105:161 Allotment of Fresh Specimen Signature Number
HO:BR:105:160 Progress Report on implementation of Cabinet Secretary Committee (CSC), 2012
Recommendations Payment of Revised Pension to Pre2006 Armed Forces
HO:BR:105:159 Pensioners
Payment of Pension to central Government Pensioners Continuation of either or
HO:BR:105:158 survivor pension account after death of a pensioner
HO:BR:105:157 Contribution to the Prime Minister's National Relief Fund
HO:BR:105:156 Allotment of fresh Specimen Signature Number
Renewal of Master Policy for Public, Police & Customers from 01.06.2013 to
HO:BR:105:155 31.05.2014
National Pension System (NPS) Trust Account Numbers and Contact details of Axis
:BR:105:154 Bank
HO:BR:105:153 Release of New Features in CRA System for Corporate Sector
HO:BR:105:152 Payment of our Bank's Dividend for the year 201213 : DW A/C 09540015181376
HO:BR:105:151 Cancellation of Signing Powers
HO:BR:105:150 Updation of Cheque Return Reasons & Codes in system
Allowing offline cash withdrawals at branches where net work connectivity to Data
HO:BR:105:149 Centre is not available
GBRS2 CBEC ( Excise, Service Tax and Customs) – System Generated Challan
HO:BR:105:148 Identification Number (CIN) not entered on the main portion of the Physical Challan
by the Designated Authorized Branches
HO:BR:105:147 Know Your Customer (KYC) / Anti Money Laundering (AML) / Combating of
HO:BR:105:146 Financing of Terrorism (CFT) Guidelines – Unique Customer Identification Code
HO:BR:105:145 (UCIC) for banks’ customers in India
HO:BR:105:144 Deletion of invalid PAN in Customer Master
HO:BR:105:143 Change in Documentary requirement under National Pension System (NPS)
HO:BR:105:142 Guidelines on daily operations of Lockers
HO:BR:105:141 Acknowledgment of Form 15G/15H submitted by customers
HO:BR:105:140 Cap of Rs 50 crores on NEFT transactions
HO:BR:105:139 Creating Customer Awareness on CTS2010 Standard Cheque
Preventive Vigilance – Modus operandi of recent incidents of frauds
HO:BR:105:138 Allotment of Fresh Specimen Signature Number
HO:BR:105:137 Modified Directions under section 35A of the Banking Regulation Act, 1949 (AACS)
HO:BR:105:136 read with the section 56 of the Act, ibid Dr Babasaheb Ambedkar Nagari Sahakari
Bank Maryadit, Aurangabad, Maharashtra
HO:BR:105:135 Entry of Form 60/ Form 61 in the system where PAN is not submitted by customer.
Verification / Validation of PAN entered /modified in the system
:BR:105:134 Request for blocking /seizure of the properties in respect of Accounts / FD/ Locker/
HO:BR:105:133 Demat account /any other type of accounts with the bank
HO:BR:105:132 GBRS2 CBEC ( Excise, Service Tax and Customs) Revised Procedure for Remittance
HO:BR:105:131 of Funds to designated Focal Point Branches (By Physically Authorized Branches)
Clean Note Policy
HO:BR:105:130 Appointment of New Trustee Bank under National Pension System (NPS)
Unique Customer Identification Code Elimination of multiple CustomerID
HO:BR:105:129 List of Transport Operators recommended by IBA : Additions/Renewals/Withdrawals
/ NonRenewals / Changes during the period 1st APRIL 2013 to 30th APRIL 2013.

Issuance of Demand Draft /Banker’s Cheque and Fund transfer through NEFT by
accepting Cash for walkin customer
Allotment of Fresh Specimen Signature Number

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HO:BR:105:128 Issuance of Multicity/”Payable at par all branches in India” cheques to all eligible
HO:BR:105:127 customers of bank as advised by RBI.

HO:BR:105:126 Know Your Customer (KYC) Norms, Anti Money Laundering (AML) standards,
Combating of Financing of Terrorism (CFT) measures Obligation of Banks under
HO:BR:105:125
HO:BR:105:124 PMLA, 2002 Risk Categorization of Customers’ Accounts.
HO:BR:105:123 Foreign Contribution Regulation (FCR) Act, 2010 and Foreign Contribution
(Regulation) Rules, 2011 – Obligations of Banks in Regulating Receipt of Foreign
HO:BR:105:122 Contributions by Associations / Organizations in India
HO:BR:105:121
Know Your Customer (KYC) guidelines – Non Account based Customers i.e. walkin
HO:BR:105:120 customers

HO:BR:105:119 Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read with
HO:BR:105:118 the Section 56 of the Act, ibid – Amanath Cooperative Bank Ltd., Bangalore
HO:BR:105:117 i. Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read
HO:BR:105:116 with the Section 56 of the Act, ibid ii. Modified Directions issued under Section 35A
HO:BR:105:115 of the Banking Regulation Act, 1949 (AACS) read with the Section 56 of the Act, ibid
HO:BR:105:114
HO:BR:105:113 Cancellation of Signing Powers
HO:BR:105:112
HO:BR:105:85 Know Your Customer (KYC) norms, Anti Money Laundering (AML) standards and
HO:BR:105:84 Combating Financing of Terrorism (CFT) measures Compliance of Regulatory
HO:BR:105:83 Guidelines
HO:BR:105:82
HO:BR:105:81 Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards /
HO:BR:105:80 Combating of Financing of Terrorism (CFT) measures /Obligation of Banks under
HO:BR:105:79 Prevention of Money Laundering (PMLA) 2002 Compliance of Regulatory Guidelines

HO:BR:105:78 Dearness Allowance for Workmen and Officer Employees in Banks for the months of
May, June and July 2013
HO:BR:105:77
Renewal of Bankers’ Indemnity Policy
HO:BR:105:76 Preventive Vigilance – Modus operandi of recent incidents of frauds
Modified Directions under Section 35A of the Banking Regulation Act, 1949 (AACS)
read with the Section 56 of the Act, ibid Extension of Period

Missing Security Instrument

Family Benefit Scheme

Preventive Vigilance – Modus operandi of recent incidents of frauds
Allotment of fresh Specimen Signature Number

Standardization and Enhancement of Security Features in Cheque Forms Migrating
to “CTS2010 Standards” ( Cheque Truncation System 2010 Standards)
Defence Civil Pensioners : Revision of Pension of Pre2006 Pensioners Ref: Circular
No. 102 dated 11022013 issued by the PCDA(P) Allahabad

Missing Security Forms 3 (Three) TDR Leaves

Preventive Vigilance – Modus operandi of recent incidents of frauds
Policy Documents Collection of cheques/Instruments Compensation Policy

Policy on “Opening Accounts and Keeping balances by our Branches with Other
Banks

Know Your Customer (KYC) Norms / Anti Money Laundering (AML) Standards /
Combating of Financing of Terrorism (CFT) / Obligation of Banks under PMLA, 2002
Concerns of Central Economic Intelligence Bureau

i. Modified Directions under Section 35A of the Banking Regulation Act,1949 (AACS)
read with the Section 56 of the Act, ibid ii. Cancellation of licence to carry on
banking business in India underSection 22 of the Banking Regulation Act, 1949
(AACS)

List of Transport Operators recommended by IBA : Additions/Renewals/
Withdrawals / NonRenewals / Changes during the period 1st FEBRUARY 2013 to
28TH FEBRUARY 2013

National Pension System (NPS) Replacement of the existing facility of “Phased































































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BCC:BR:103:321 Commercial Real Estate – Disclosure of Mortgage of Property.
BCC:BR:103:328 Decision of the Supreme Court of India on transfer of immovable property –
Immovable property can be legally and lawfully transferred / conveyed only by a
BCC:BR:103:320 registered deed of conveyance
Education Loan Interest Subsidy Scheme (ELIS) for Students belonging to
BCC:BR:103:319 Economically Weaker Sections (EWS) : Lodgment of claims for the year
2010–11 and 201112
BCC:BR:103:318 Scheme of 1% interest subvention on housing loans upto Rs.10/ lacs –
BCC:BR:103:316 Extension of scheme upto 31.03.2012 and increase in eligible limits.
BCC:WB:DFB:103:93 Service Tax Guidelines
BCC:BR:103:314 Cenvat Credit of Service Tax Paid to Service Providers
BCC:WB:DFB:103:92 Foreign investment in India by SEBI registered FIIs in other securities
BCC:BR:103:315 Revision of Rating Symbols and Definitions of Credit Rating Agencies
BCC:BR:103:312 Foreign Direct Investment – Transfer of Shares
BCC:BR:103:309 Distribution of Mutual Fund Products through Bank Branches
BCC:BR:103:308 Out of turn Promotions from Subordinate cadre to Clerical cadre2011
BCC:WB:DFB:103:91 Selection of India Based Officers (IBO) for Dealer Position 2011
CBSModule FASSET For capturing Fixed Asset Data
BCC:WB:DFB:103:90 Export of Goods and Software – Realisation and Repatriation of export proceeds –
Liberalisation
BCC:WB:DFB:103:89 Deferred Payment Protocols dated April 30, 1981 and December 23, 1985 between
BCC:BR:103:310 Government of India and erstwhile USSR
BCC:BR:103:311 Memorandum of Instructions governing money changing activities
Initialling/signing of Credit Proposals
BCC:WB:DFB:103:92 Renewal of Customised Export Credit Insurance Cover for Banks (Whole Turnover
BCC:BR:103:315 Packing Credit) i.e. ECIB (WTPC) and Customised Export Credit Insurance Cover for
BCC:BR:103:312 Banks (Whole Turnover – Post Shipment) i.e. ECIB (WTPS) of ECGC of India
BCC:BR:103:309 Ltd.
BCC:BR:103:308 Foreign Direct Investment – Transfer of Shares
BCC:WB:DFB:103:91 Distribution of Mutual Fund Products through Bank Branches
Out of turn Promotions from Subordinate cadre to Clerical cadre2011
BCC:WB:DFB:103:90 Selection of India Based Officers (IBO) for Dealer Position 2011
CBSModule FASSET For capturing Fixed Asset Data
BCC:WB:DFB:103:89 Export of Goods and Software – Realisation and Repatriation of export proceeds –
BCC:BR:103:310 Liberalisation
BCC:BR:103:311 Deferred Payment Protocols dated April 30, 1981 and December 23, 1985 between
Government of India and erstwhile USSR
BCC:BR:103:306 Memorandum of Instructions governing money changing activities
BCC:WB:DFB:103: Initialling/signing of Credit Proposals
88 Renewal of Customised Export Credit Insurance Cover for Banks (Whole Turnover
BCC:BR:103:307 Packing Credit) i.e. ECIB (WTPC) and Customised Export Credit Insurance Cover for
Banks (Whole Turnover – Post Shipment) i.e. ECIB (WTPS) of ECGC of India
BCC:BR:103:302 Ltd.
Essay Competition organized by National Housing Bank
BCC:BR:103:301 Memorandum of Instructions governing money changing activitiesLocation of Forex
Counters in International Airports in India
Financing for purchase of Tractors and other heavy Agriculture Machineries under
Agriculture Finance Scheme No.II and its supervision and followup :Clarification on
moratorium on repayment
BARODA CONNECTS – Mobile Number Updation for Internet banking
Corporate Customer.
Revision in the rate of reimbursement of expenses towards transportation of

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BCC:BR:103:300 Personal effects of an Officer on transfer from one place to another Regulation 42
(2) of Officers Service Regulations
BCC:BR:103:299 Preventive vigilance – Modus Operandi of recent frauds; precautions and
safeguards to be followed for avoiding recurrence
BCC:BR:103:297 CONSORTIUM & MULTIPLE BANK FINANCING DUE DILIGENCE & SHARING OF
BCC:BR:103:296 INFORMATION
BCC:WB:DFB:103: Re: Scheme for providing residential accommodation to Executives.
87 Re: Scheme for providing residential accommodation to Officers.
BCC:WB:DFB:103: Memorandum of Instructions governing money changing activities
86
BCC:WB:DFB:103: i) Repatriation of income and sale proceeds of assets held abroad by NRIs who
85 have returned to India for permanent settlement
BCC:BR:103:295 Opening Foreign Currency (NonResident) Account (Banks) Scheme FCNR(B)]
account in any freely convertible currency – liberalisation
BCC:WB:DFB:103: i Mock Test for JAIIB and CAIIB. ii. Professional Examinations of IIBF –
84 Additional reading material for examinations
BCC:BR:103:294 Appointment of Agents / Franchisees by Authorised Dealer CategoryI banks,
BCC:BR:103:298 Authorised Dealer CategoryII and Full Fledged Money Changers– Revised guidelines
BCC:WB:DFB:103: CrossSelling of Products by Bank
83 Implementation of action plan to issue BKCCs to all non defaulter farmers
BCC:WB:DFB:103:82 Processing and Settlement of Export related receipts facilitated by Online Payment
Gateways Enhancement of the value of transaction
BCC:BR:103:293 Exim Bank's Line of Credit of USD 27.50 million to the Government of the Republic
BCC:BR:103:291 of Senegal
CERSAI Helpdesk and Telephone Numbers
BCC:BR:103:290 Time frame for disposal of applications seeking finance and its monitoring at various
BCC:BR:103:292 levels
Introduction of Premium Debit Card Visa Platinum
BCC:BR:103:289 Scheme of Agriculture and Other Priority Sector advances against the security of
BCC:BR:103:287 gold ornaments/ jewellery; Advance value of Gold jewellery/ Ornaments
Awareness & Promotion of Indo Nepal remittance usage
BCC:WB:DFB:103:81 Union Budget 200809 Ag. Debt Waiver & Debt Relief Scheme2008 (ADWDRS 2008)
BCC:WB:DFB:103:80 Accounting entries due to closure of the Scheme
Rupee Export Credit Interest Rates
BCC:BR:103:288 Liberalised Remittance Scheme for Resident Individuals Revised Application cum
BCC:BR:103:286 Declaration form
Opening and Shifting of Branches/Offices
BCC:BR:103:285 Simplification of procedure and processes for obtaining agriculture loans Obtaining
No dues Certificate
BCC:BR:103:284 Exercise for Promotion from Clerical to Officers cadre in Junior Management
BCC:BR:103:263 Grade/ScaleI: 2011
BCC:BR:103:283 Promotion exercise from Subordinate to Clerical cadre 2011
Management
BCC:BR:103:282 Sale of Gold Coins – 1. Additional 1% discount (total 2%) to customers/bulk
purchasers (noncustomers) 2. 1% discount to noncustomers other than bulk
BCC:BR:103:280 purchasers 3. Additional 2% discount (total 3%) to staff members. from 01/10/11
BCC:BR:103:279 to 31/10
Domestic Real Estate Exposure Policy 2011. Revision to existing Real Estate
Exposure Policy.
Extension of SANKALP4 Scheme upto 31st March 2012
Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f.
01October2011

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BCC:BR:103:281 Take over Loans and Financing of Infrastructure Projects
BCC:BR:103:278
Central Processing Centre (CPC) for FCNR ‘B’ Transactions: Revised
BCC:WB:DFB:103:79 Procedure for Payment of Half Yearly Interest on FCNR under TD 805
BCC:WB:DFB:103:78 External Commercial Borrowings (ECB) in Renminbi (RMB)
BCC:BR:103:277
External Commercial Borrowings (ECB) – Bridge Finance for Infrastructure Sector
BCC:WB:DFB:103:77 Implementation of Prime Minister’s Employment Generation Programme
(PMEGP) through Public Sector Banks & RRBs
BCC:WB:DFB:103:76
BCC:WB:DFB:103:75 External Commercial Borrowings (ECB) Policy – Structured Obligations for
BCC:WB:DFB:103:74 infrastructure sector
BCC:BR:103:275 External Commercial Borrowings (ECB) for the Infrastructure Sector– Liberalisation
External Commercial Borrowings (ECB) – Rationalisation and Liberalisation
BCC:WB:DFB:103:73 External Commercial Borrowings (ECB) from the foreign equity holders
BCC:BR:103:276
Preventive vigilance – Modus Operandi of recent frauds; precautions and
BCC:BR:103:273 safeguards to be followed for avoiding recurrence.

BCC:BR:103:271 Forex Statistical Returns for the period ending 30th September 2011.

BCC:BR:103:274 Registration fee payable to Central Registry and accounting of fee collected from
BCC:BR:103:272 the borrower
BCC:BR:103:269
Retail Loans – Group Credit Life Insurance Cover Incentive Scheme for our
BCC:BR:103:268 staff, offered by Insurance providers Closure of the scheme.
BCC:BR:103:267 Baroda Jeevan Suraksha Savings Bank A/c – Various discrepancies in
opening of accounts and in remittance of insurance premium
BCC:WB:DFB:103:72
BCC:WB:DFB:103:71 All India Inter Bank Hindi Essay Writing Competition – 2011
BCC:WB:DFB:103:70
BCC:WB:DFB:103:69 CBS New module for capturing Fixed Asset data
BCC:BR:103:270 Repayment of Retail Loans of Non Resident Indians (NRIs) by his Resident close
BCC:BR:103:265 relatives.

BCC:WB:DFB:103:68 Savings Bank Account maintained by Residents in India Joint Holder Liberalisation
Baroda Home Loan Resetting of EMIs /Extension of Repayment period subsequent
BCC:WB:DFB:103:67 to Change in interest rates.
BCC:WB:DFB:103:66
Gift in Rupees by Resident Individuals to NRI close relatives
BCC:WB:DFB:103:65 Repayment of loans of Nonresident close relatives by residents

BCC:WB:DFB:103:64 Loans in Rupees by resident individuals to NRI close relatives
BCC:BR:103:264
BCC:BR:103:261 Meeting of Medical expenses of NRIs close relatives by Resident Individuals
BCC:BR:103:262
BCC:BR:103:260 CDR /BIFR issues

BCC:BR:103:259 Guidelines for financing Scheduled Tribe as well as Handicapped Beneficiaries below
BCC:BR:103:258 Base Rate
BCC:BR:103:257
Exchange Earners Foreign Currency (EEFC) Account and Resident Foreign Currency
(RFC) account – Joint holder liberalisation
Savings Bank account maintained by residents in India – Joint holder liberalisation
NRIs/PIOs holding NRE/ FCNR(B) accounts jointly with Indian resident close relative
liberalisation
Credit of sale proceeds of Foreign Direct Investments in India to NRE/FCNR (B)
accounts Clarification

Foreign Investments in India Transfer of security by way of gift – liberalisation
Current Account Campaign

Retail Loan Festival Campaign: 26.09.2011 – 30.11.2011

Facilities to Officers

Capital SubsidycumRefinance Scheme for Installation of Solar Offgrid(Photovoltaic
and thermal) & Decentralized applications under the Jawaharlal Nehru National
Solar Mission of the Ministry of New and Renewable Energy, Government of India

Revision of interest rates on deposits w.e.f. 14th September, 2011
Monitoring of Advances Accounts

Financial Results for the quarter/half year ending on 30th September 2011

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BCC:BR:103:254 Safeguards for obtaining Residential Flat as Collateral security for SME loans
BCC:BR:103:252 Rectification of Irregularities observed during Annual Financial Inspection (AFI) by
Reserve Bank of India (RBI) as on 31.03.2011
BCC:WB:DFB:103:63 External Commercial Borrowings – Simplification of Procedure
BCC:WB:DFB:103:62 Prudential Norms for Offbalance Sheet Exposures of Banks
BCC:WB:DFB:103:61 Deferred Payment Protocols dated April 30, 1981 and December 23, 1985 between
Government of India and erstwhile USSR
BCC:WB:DFB:103:60 Opening and Maintenance of Rupee / Foreign Currency Vostro Accounts of
Nonresident Exchange Houses
BCC:BR:103:253 RABI CAMPAIGN2011
BCC:BR:103:256 Rectification of data & resubmission of data in respect of records failed to upload on
Central Registry (CERSAI) web site due to deficiency in data
BCC:BR:103:251 Credit/Debit Card transactions Security Issues and Risk Mitigation Measures
BCC:BR:103:255 Opening and Shifting of Branches/Offices
BCC:BR:103:249 Master Circular on Claims against Bank not acknowledged as debt
BCC:BR:103:247 Management
BCC:BR:103:248 Review of Priority Sector Advances
BCC:BR:103:246 Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f.
01September2011
BCC:BR:103:245 Transfer Price i.e. Rate of interest on IBTA and other Branch adjustments account
applicable for the period from 01.03.2011 to 31.08.2011.
BCC:BR:103:250 Success story in PWO Recovery – ARM Branch, Ahmedabad
BCC:BR:103:243 Emerging Accounting Issues
BCC:WB:DFB:103:59 Investment in the units of Domestic Mutual funds
BCC:BR:103:244 Payment of Bonus for the year 20102011
BCC:BR:103:242 Tieup arrangement with M/s.TVS Motor company Ltd. for Road Transport Operators
for purchase of 3 wheeler vehicles manufactured by the company.
BCC:BR:103:241 BARODA CONNECT – Mobile number updation for Internet banking
customers
BCC:BR:103:239 INVESTMENT CREDIT CAMPAIGN FOR DIRECT AGRICULTURE : 201112 FROM
01/09/2011 TO 31/03/2012
BCC:BR:103:238 Revised Guidelines For Establishing Agri Clinic and Agri Business Centres (ACABCs)
BCC:BR:103:240 Observations/Suggestions in handling Demat Business Operations
BCC:BR:103:237 Baroda Connect Enhancement of feature in Finacle menu option
“REGPW” for Activation of eBanking user account
BCC:BR:103:236 Prudential Norms on Income Recognition, Asset Classification and provisioning
pertaining to Advances – Divergence in NPA Account
BCC:BR:103:234 Education Loan Interest Subsidy Scheme (ELIS) for Students belonging to
Economically Weaker Sections (EWS) : Lodgment of claims for the year
BCC:BR:103:232 2010–11 Clarifications
Modified Policy for combating “Phishing” and dealing with
BCC:BR:103:233 “Phishing” induced Baroda Connect Transactions
BCC:BR:103:231 Recovery in Small accounts: Organizing Lok Adalats & Recovery Camp
Retail Loans Inclusion of ASCROM Data Input Sheet as an integral part of Retail
BCC:BR:103:230 Loan Proposals.
Retail Loans Compliance of Preventive Vigilance Guidelines to avoid occurrence of
BCC:WB:DFB:103: frauds
58 Money changing business by Authorised Branches for Noncustomers
BCC:WB:DFB:103:
57 Exim Bank’s Line of Credit of USD 4 million to the Government of the Cooperative
BCC:BR:103:227 Republic of Guyana
Reimbursement of Hospitalisation Expenses to Award Staff/Officers Clearance of

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BCC:BR:103:226 Bills by Bank s doctor
BCC:BR:103:225 Management
Categorization of activities under “Services” – Coverage
BCC:BR:103:218 under CGTMSE
Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f.
BCC:BR:103:228 01August2011
BCC:BR:103:224 Classification of Agriculture Advance Clarification
Agriculture Advances & Other Priority Sector Advances: Interest Rates due to
BCC:BR:103:223 Increase of Base Rate and BPLR w.e.f. 01.08.2011
Increase in Base Rate from 10.25% to 10.75% w.e.f. 01.08.2011 Subsequent
BCC:BR:103:222 revision of interest Rate on Retail Loans
BCC:WB:DFB:103: Drawings over limit/drawing power in CC/OD/Loan/BP/BD/ etc. accounts
56 Exim Bank's Line of Credit of USD 20 million to the Government of the Republic of
BCC:BR:103:221 Mozambique
BCC:BR:103:220 Hindi Essay writing Competition on the occasion of Hindi Diwas (2011)
Rate of Interest on Loans and Advances – Change in Base Rate w.e.f. 1st
BCC:BR:103:219 August, 2011
Rate of Interest on Loans and Advances – Change in Benchmark Prime
BCC:BR:103:217 Lending Rate (BPLR) w.e.f. 1ST August, 2011
BCC:BR:103:216 Revision of interest rates on deposits w.e.f. 1st August, 2011.
BCC:WB:DFB:103: Management
55 Exim Bank's Line of Credit of USD 5 million to the IndoZambia Bank Limited
BCC:WB:DFB:103:
54 : Exim Bank's Line of Credit of USD 20 million to the Government of the Kingdom of
BCC:BR:103:229 Swaziland
Campaign for Recovery in small NPA accounts having outstanding Balance of Below
BCC:BR:103:215 ì. 25 lacs. – 1. Extension of Campaign upto 30th Sept, 2011. 2. Details of
BCC:BR:103:213 Incentives for good performance.
Revival of farmers clubs.
BCC:BR:103:214 Memorandum of Understanding with Brickwork Ratings India P. Ltd. (Brickwork) for
BCC:BR:103:212 rating of SME units under “NSICBrickwork performance and Credit Rating
BCC:WB:DFB:103: Scheme”
53 Workmen Employee Director on the Board of Directors of the Bank
BCC:WB:DFB:103: Revised Poultry Venture Capital Fund (Subsidy) Scheme
52 Facilitating Rupee Trade – hedging facilities for nonresident entities
BCC:BR:103:211
Foreign Inward Remittance
BCC:BR:103:210
Sale of Gold Coins – 1.Additional 1% discount (total 2%) to customers/bulk
BCC:BR:103:209 purchasers (noncustomers) 2. 1% discount to noncustomers other than bulk
purchasers 3.Additional 2% discount (total 3%) to staff members. from 01/08/11 to
BCC:BR:103:206 30/09/11
Baroda Home Loan to Resident Indians and NRIs /PIOs Increase in maximum loan
BCC:WB:DFB:103: limit from existing Rs.100 lac to Rs. 300 lac at all our Urban & Metro Branches.
51 DEPOSIT MOBILIZATION: EXTENSION OF SAVINGS BANK DEPOSIT CAMPAIGN
BCC:BR:103:208 UPTO 31.08.2011.
BCC:BR:103:207 Revised Accounting Guidelines for Bank’s contribution to Terminal Benefits
– Pension & Provident Fund
Regularization of Liaison / Branch Offices of foreign entities established during the
preFEMA period
Introduction of Baroda Gift Card
Management

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BCC:BR:103:205 MASTER CIRCULAR – Credit Guarantee Scheme for Micro and Small
Enterprises.
BCC:WB:DFB:103: Buyback / Prepayment of Foreign Currency Convertible Bonds (FCCBs)
50
BCC:WB:DFB:103:49 Redemption of Foreign Currency Convertible Bonds (FCCBs)
BCC:WB:DFB:103:48 overseas Direct Investment Liberalisation/ Rationalisation
BCC:BR:103:204 Monitoring of Sensitive Accounts
BCC:BR:103:203 Agriculture Advances & Other Priority Sector Advances: Interest Rates due to
Increase of Base Rate and BPLR w.e.f. 12.07.2011
BCC:BR:103:202 Increase in Base Rate from 10.00% to 10.25% w.e.f. 12.07.2011 Subsequent
revision of interest Rate on Retail Loans.
BCC:BR:103:201 Rate of Interest on Loans and Advances – Change in Base Rate w.e.f. 12th
July , 2011
BCC:BR:103:200 Rate of Interest on Loans and Advances – Change in Benchmark Prime
Lending Rate (BPLR) w.e.f. 12th July, 2011
BCC:BR:103:199 Revision of interest rates on deposits w.e.f. 12th July, 2011
BCC:BR:103:197 Education Loan Interest Subsidy (ELIS): Lodgment of claims for the year 2010
– 11
BCC:BR:103:198 Centralise Public Grievances Redress and Monitoring System ( CPGRAMS) Proper
Maintenance of “Loan Application Receipt and Monitoring Register”
BCC:BR:103:194 Investment Credit Campaign for Direct Agriculture : 201011 Awards to Regions /
Branches
BCC:BR:103:193 Master Circular of ATM and Debit Card Operations
BCC:BR:103:191 Management
BCC:BR:103:196 Credit Linked Capital Subsidy Scheme (CLCSS) Modifications
BCC:BR:103:195 Scheme of Agriculture and Other Priority Sector advances against the security of
gold ornaments/ jewellery; Advance value of Gold jewellery/ Ornaments
BCC:WB:DFB:103:47 Foreign Direct Investment (FDI) in India Issue of equity shares under the FDI
Scheme allowed under the Government route
BCC:BR:103:190 Bank s Foundation Day Celebrations
BCC:BR:103:189 Payment of Kit Allowances to Officers/ Executives identified for overseas posting
BCC:WB:DFB:103:46 Overseas forex trading through electronic / internet trading portals
BCC:BR:103:188 Change of date of strike by United Forum of Bank Unions from 7th July 2011 to 5th
August 2011 Ref: Our Circular No BCC:BR:103/175 dated 24.6.2011
BCC:BR:103:186 1. “SANKALP 4” An Incentive linked Scheme for Recovery in small
borrower accounts with o/s balance up to and inclusive of ` 15.00 Lacs FOR NPA
BCC:BR:103:187 ACCOUNTS AS ON 31.03.2010 AND CLASSIFIED AS DOUBTFUL / LOSS AS ON
BCC:BR:103:185 31.03.2011 FOR PWO AC
Sharing of Password in CBS environment
BCC:BR:103:184 Bringing outside Influence by employees in respect of Issues pertaining to service
matters
BCC:BR:103:183 Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f.
01July2011
BCC:BR:103:182 Rectification of Irregularities observed during Annual Financial Inspection by
Reserve Bank of India (RBI) as on 31.03.2010
BCC:BR:103:180 Retail Loan Accounts – Providing Amortization Chart of Loan Account to the
borrowers
BCC:WB:DFB:103:45 Retail Loans Compliance of Guidelines to avoid occurrence of frauds Introduction of
checklist
BCC:WB:DFB:103:44 Letter of Credit Rebate and Pohjola Bank Plc., (name changed from OKO Bank as of
1st March 2008), Helsinki, Finland
Exim Bank's Line of Credit of USD 91 million to the Government of the Federal