KNOW YOUR CIRCULAR-AGAM5-

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HO:BR:102:77 Grant of Fixed Medical Allowance (FMA) to the Central Government Pensioners
residing in areas not covered under CGHS.
HO:BR:102:76
HO:BR:102:75 Allotment of Fresh Specimen Signature Number

HO:BR:102:73 i. Directions under Section 35A of the Banking Regulation Act, 1949 (AACS)
readwith the Section 56 of the Act, ibidii. Cancellation of licence to carry banking
HO:BR:102:74 business in India

HO:BR:102:72 Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read with
HO:BR:102:71 the Section 56 of the Act, ibid – The Bantra Co-operative Bank Ltd., Howrah, West
HO:BR:102:70 Bengal

HO:BR:102:69 (i) Additional Pension Due to Old Age (ii) Commencement of Family Pension After
HO:BR:102:67 Death of the Pensioner
HO:BR:102:66
HO:BR:102:65 Discontinuation of Schedule- X used by the branches for Telegraphic Transfer
HO:BR:102:64
HO:BR:102:68 Dishonour of cheques – Policy and Procedure thereof
HO:BR:102:63 1) Signature scanning and upload of signatures in CBS 2) Issuance of cheque books
HO:BR:102:62 and entering cheque numbers in CBS

HO:BR:102:61 Alterations / Corrections on the cheques drawn by the customers

HO:BR:102:60 Waiver of Inter-Sol transaction charges – Shubh Savings Account
HO:BR:102:59 Window dressing of business figures by the branches
HO:BR:102:58
HO:BR:102:57 RENEWAL OF BANKERS INDEMNITY POLICY

HO:BR:102:56 Cancellation of Signing Powers
HO:BR:102:55
HO:BR:102:54 Sending SMS Alert on Credit of Pension to the Pensioners’ account
HO:BR:102:53 Missing Security Instruments – Three CA Cheque Books
Dearness Allowance for Workmen and Officer Employees in Banks for the months of
HO:BR:102:52 May, June and July 2010

HO:BR:102:51 Tax Deducted at Source (TDS) & PAN – Enabling sending of letters to customers for
HO:BR:102:50 submission of PAN
HO:BR:102:49
Amendment in KYC-AML-CFT Policy – Operational Guidelines
HO:BR:102:48 Reporting requirement of of Counterfeit Currency Notes
HO:BR:102:47
Missing Security Instruments – 20 (Twenty) Super Savings Bank Cheque Books
HO:BR:102:46 Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) readwith
HO:BR:102:45 the Section 56 of the Act, ibid – The Gujarat Industrial Co-operative BankLtd.,
HO:BR:102:44 Ahmedabad, Gujarat
HO:BR:102:43
HO:BR:102:42 Migration of locker data to Locker Module of CBS

Outstation Cheques for Collection – Levy of Service Charges
Restoration of LIVE signatures cancelled/deleted by branches

Banking Codes & Standards Board of India (BCSBI) – Revised Code of Bank’s
Commitment to Customers

i) Fake Undertaking to honour cheques of large values.ii) Fake FDRs of large
value.purportedly issued by our branches and circulating in the market –Preventive
Vigilance

Tax deducted at source (TDS) - Permanent Account Number (PAN)

CBS operational issue in one officer branches – Revised Process
Cancellation of licence to carry on Banking Business in India under Section 22 ofthe
Banking Regulation Act, 1949 (AACS)

Cancellation of Signing Powers

List of Transport Operators recommended by IBA : Additions/Renewals/Withdrawals
/ Non-Renewals / Changes during the period 1st March 2010 to31st March 2010.

Missing Security Instruments – One Current Account Cheque Book
Missing Security Instruments – Two NRE-SB 10 lvs. Cheque Books
Drive to complete and up date Nominations in respect of deposit accounts

Allotment of Fresh Specimen Signature Number

Amendments – Know your Customer (KYC) guidelines – Documents required for

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HO:BR:102:41 opening of accounts of Proprietary Concerns
HO:BR:102:40
Missing Security Instruments – 28 Leaves of Current Account Cheque Book.
HO:BR:102:39 Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read
HO:BR:102:38 withSection 56 of the Act, ibid – Golaghat Urban Co-operative Bank Ltd., Golaghat
(Assam)
HO:BR:102:37 Missing Security Instruments – one Saving Bank cheque book of twenty leaves
HO:BR:102:36 Rejection of application for licence to carry on banking business in India
underSection 22 of the Banking Regulation Act, 1949 (AACS) – The Rajawade
HO:BR:102:35 MandalPeoples’ Co-operative Bank Limited, Dist. Dhule, Maharashtra
Missing Security Instruments – 3(Three) Savings Bank Cheque Leaves
HO:BR:102:33 i. Directions under Section 35A of the Banking Regulation Act, 1949 (AACS)
HO:BR:102:32 readwith the Section 56 of the Act, ibidii. Cancellation of licence to carry banking
HO:BR:102:34 business in India
HO:BR:102:30
List of Transport Operators recommended by IBA : Additions/Renewals/
HO:BR:102:31 Withdrawals/Non-Renewals/Changes during the period 1st February, 2010 to 28th
February, 2010
HO:BR:102:29
HO:BR:102:28 Cancellation of Signing Powers

HO:BR:102:27 Allotment of Fresh Specimen Signature Number
HO:BR:102:26
HO:BR:102:25 Bank of Baroda Contributory Medical Assistance Scheme for Retired Employees
HO:BR:102:24
Rejection of application for licence to carry on banking business in India under
HO:BR:102:23 Section 22 of the Banking Regulation Act, 1949 (AACS) – The Dhenkanal Urban Co-
operative Bank Ltd., Dhenkanal, Orissa
HO:BR:102:22
HO:BR:102:21 CUSTOMER SERVICE -NEED TO PROVIDE UN-INTERRUPTED SERVICES TO
CUSTOMERS DURING BUSINESS HOURS
HO:BR:102:20
Updation of customer Records
HO:BR:102:19 Establishment of Central Pension Processing Centre (CPPC) for Central Civil
Pensioners
HO:BR:102:18
HO:BR:102:17 Missing Security Instruments – 13 Leaves of Savings Bank Cheque Book
HO:BR:102:16 Missing Security Instruments – One BKCC Cheque Books of 20 Leaves
HO:BR:102:15 Attempts to defraud the Bank by presenting fake/ fraudulent cheques
HO:BR:102:14
Payment of Interest on Savings Bank Account on a daily product basis w.e.f. 1st
HO:BR:102:13 April 2010

(1) Adherence to KYC-AML guidelines while opening and conduct of the accounts of
Multi Level Marketing firms (2) Issue of cheque books

Amendments in the KYC-AML-CFT policy
List of Transport Operators recommended by IBA : Additions/Renewals/
Withdrawals / Non-Renewals / Changes during the period 1st January 2010 to 31st
January 2010

Directions under Section 35A of the Banking Regulation Act, 1949 (AACS) read with
Section 56 of the Act , ibid

Instructions regarding the necessity to seek prior approval of the Prime Minister’s
Office for using the photograph of the Prime Minister in advertisements

Exercise for Promotion from Clerical to Officers Cadre in JMG I: 2010

Cancellation of Signing Powers
Allotment of Fresh Specimen Signature Number

ISSUANCE OF DEMAND DRAFTS PAYABLE AT COIMBATORE

Cash Remittance – Cash in TransitLimit increased from Rs.2.50 crores to Rs.4.00
croresThrough vehicle, driver and Armed guards- Outsourced from approved
Security Agency (ies)

List of Transport Operators recommended by IBA : Additions/Renewals/Withdrawals
/ Non-Renewals / Changes during the period 1st December 2009 to31st December
2009.

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HO:BR:102:12 Dearness Allowance for Workmen and Officer Employees in Banks for the months of
February, March and April 2010
HO:BR:102:10 Dearness Relief payable to STAFF PENSIONERS i. e. Pensioners of Bank of Baroda
for the months from February 2010 to July 2010.
HO:BR:102:9 Dearness Relief payable to SURVIVING PRE-1.1.1986 retirees of our Bank for the
months from February 2010 to July 2010
HO:BR:102:11 Allotment of Fresh Specimen Signature Number
HO:BR:102:8
HO:BR:102:7 “BARODA SUJHAV”
HO:BR:102:6 Cancellation of Signing Powers
Preventive Vigilance – Modus Operandi1.(1) Cheque deposited by customer for
HO:BR:102:5 collection stolen by Daftary and subsequentlyencashed(.2). Fraudulent encashment
of stolen and altered cheque(.3). Fraudulent withdrawal by Staff – Help Desk
HO:BR:102:4 Agent.(4.) Chequ
HO:BR:102:3 Quarterly Average Balance of Savings Bank and Current Account at Semi-Urbanand
Rural branches.
HO:BR:102:2 Allotment of Fresh Specimen Signature Number
Issues / Problems related to Physical Returning of instruments presented in outward
HO:BR:102:1 clearing through City Back Office (CBO) / Main offices
Banking Codes & Standards Board of India – Revised Code of
BCC:BR:101:388 Bank’s Commitment to
BCC:BR:101:387 Appointment of Chief Liaison Officer for SC/ST/PWD & EX-SM
BCC:BR:101:386
2009
BCC:BR:101:385
Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f. 01-
BCC:BR:101:384 January-2010
BCC:BR:101:383 Opening and Shifting of Branches
Domain Name Registrations – Fraudulent Emails from purported Domain
BCC:BR:101:382 Name Registrars
Retail Lending: Baroda Home Loan: Life Insurance Cover to Home Loan Borrowers
BCC:BR:101:381 under Tie-up Arrangement with Kotak Life Insurance.
BCC:BR:101:380 Baroda Real Time Gross Settlement – Revision in timings on Saturday.
BCC:BR:101:377 Retail Loan Festival Campaign – 2009: Waiver of Unified Processing Charges
BCC:WB:DFB:101:69 on Home Loan and Auto Loan and reduction in interest rate on Baroda Car Loan.
Continuation of Self Employment Scheme for Rehabilitation of Manual Scavengers
BCC:BR:101:378 (SRMS) beyond 30th September, 2009
BCC:BR:101:376 Extension of loan for Solar Home Lighting System under DRI Scheme
Promotion from Subordinate to Clarical cadre - 2009
BCC:BR:101:375 Operational implications of using graphics/ images in e-Mail greetings
BCC:BR:101:379 Exim Bank's Line of Credit of USD 10 million to the Government of the Republic of
BCC:BR:101:373 Djibouti.
QUERY REGARDING PENALTY FOR FAILED ATM TRANSACTIONS
BCC:BR:101:372 Creation of pool of Officers for posting in overseas Branches/Offices/Subsidiaries of
the Bank - Online Application
BCC:BR:101:371 FUND TRANSFER FACILITY BETWEEN LINKED ACCOUNTS THORUGH ATMs
e-Business and Cash Management Department at BCC, Mumbai
BCC:BR:101:370 Modifications in Margin Norms and Interest rates for Retail Lending Product -
Baroda Traders Loan
Country Risk Management System (CRMS) - DSB Returns as of 31st December,
2009
Classification of advance to food & Agro based industries in Agriculture Sector:
Clarification
Scheme for extending legal and financial support to Officers of the Bank against
whom motivated false complaint has been made by people/ agencies outside the

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BCC:BR:101:369 Bank.
BCC:BR:101:366 Business Development- NRI Banking
Declaration of incentives under SB Campaign 2009 (2nd Feb, 2009 to 27th March,
BCC:BR:101:365 2009)
Notice of all India strike on wednesday, 16th Dec 2009 by: 1. All India Bank
BCC:BR:101:368 Officers' Association(AIBOA) 2. All India Bank Employees' Association(AIBEA)
BCC:BR:101:364 Appointment of Director
RE: BARODA CONNECT APPLICATIONS – DISCONTINUATION OF SENDING
BCC:BR:101:357 PHYSICAL FORMS TO BARODA CONNECTION OPERATION TEAM
BCC:BR:101:367 Management
BCC:BR:101:363 Appointment of Executive Director
BCC:BR:101:362 ISSUANCE OF DEBIT CARDS - ELIGIBILITY
BCC:BR:101:360 Online donation to Shreenathjee Temple, Nathdwara
BCC:BR:101:361 Auto upload of Baroda Connect Applications at all branches
Creation of pool of Officers for posting in overseas Branches/ Offices/ Subsidiaries
BCC:BR:101:359 of the Bank
BCC:BR:101:358 FINACLE CODE FOR
BCC:BR:101:356 Navnirmaan Essay Competition - 2010
BCC:BR:101:355 SAFE KEEPING OF DEBIT CARDS & PIN MAILERS
BCC:BR:101:353 Financial Results for the quarter/nine months ending 31st December 2009
BCC:BR:101:354 Management
Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f. 01-
BCC:WB:DFB:101:68 December-2009
Know Your Customer(KYC) Norms/ Anti-Money Lauering (AML) Standards/
BCC:BR:101:350 Combating of Financing of Terrorism (CFT).
Prudential Norms on Income Recognition, Asset Classification and Provisioning
BCC:BR:101:348 Pertaining to Advances.
Submission of Data to Credit Information Bureau (INDIA) Ltd (CIBIL) –
BCC:WB:DFB:101:67 Updation of Records in ASCROM System.
BCC:BR:101:352 Long outstanding Overdue Export Bills.
BCC:BR:101:349 Rate of interest on advances to SME Sector
RTGS System – 1. Government receipts 2. Mandatory Beneficiary Account
BCC:BR:101:346 Number
Retail Loans: Baroda Home Loan to NRIs / PIOs – Inclusion of Overseas
BCC:WB:DFB:101:66 Citizen of India (OCI) in eligibility.
Clarifications issued by RBI on certain points raised in SLBC on Export Promotion in
BCC:BR:101:347 Rajasthan State.
Bank's Joint Venture Life lnsurance Company - IndiaFirst Life lnsurance Co. Ltd.
BCC:BR:101:345 (IFLIC) - Sales & Business Mobilization Process
BCC:BR:101:344 ONLINE DONATION TO SHIRDI SAI SANSTHAN
BCC:BR:101:343 Debt Recovery Agents (DRAs) engaged by banks Training Requirement
REVISED ONLINE PACKAGE FOR GENERATION OF VOUCHERS OF CASH LOADING
BCC:BR:101:342 IN ATMS BY NODAL / SELF LOADING BRANCHES
Bank’s Joint Venture Life Insurance Company - IndiaFirst Life Insurance Co.
BCC:BR:101:341 Ltd. – Sales & Business Mobilization Process
BCC:BR:101:337 Achievement of Target under Differential Rate of Interest (DRI) Scheme
BCC:BR:101:340 Net Meeting Guidelines
Modifications in Credit Guarantee Scheme of Credit Guarantee Fund Trust for Micro
BCC:WB:DFB:101:64 & Small Enterprises (CGTMSE)
BCC:BR:101:338 Bankwide consolidate R-Return.
“Baroda Connect” – Increase in fund transfer limit to
“Unlimited” in self linked accounts of Retail Users.

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BCC:BR:101:336 Opening and Shifting of Branches
BCC:WB:DFB:101:65 ECGC claims.
BCC:WB:DFB:101:63 Global Treasury Project: Implementation in India
BCC:BR:101:339 Single/Group Borrower Prudential Exposure Limit
BCC:WB:DFB:101:62 M/s FCH Centrum Direct Limited – Full fledged Money Changer.
BCC:BR:101:351 Introduction of Password Synchronizer (P-Sync) Application
BCC:BR:101:334 Finance for Housing Projects – Incorporating clause in the terms and
conditions to disclose in pamphlets / brochures / advertisements information
BCC:BR:101:333 regarding mortgage of property to the bank
BCC:BR:101:332 Management
Union Budget 2009-10- Guidelines for providing short term credit to farmers @7%
BCC:BR:101:335 p.a. , Interest Subvention claim @2% & 1% additional incentive to farmers on
BCC:BR:101:374 prompt repayment.
BCC:BR:101:331 Revision in the Rate of Interest on ‘Bills Discounted’
BCC:BR:101:330 IBTA RECONCILIATION
BCC:BR:101:329 INSTITUTION FEES PAYMENT THROUGH ATM
Clarification - Domestic Loan Policy 2009
BCC:BR:101:328 “Baroda Connect”–Customers’
BCC:WB:DFB:101:61 Complaints–Escalation Matrix
BCC:BR:101:327 Tax deducted at source (TDS) : Change in slabs
BCC:BR:101:325 Participants under ACU Mechanism- Inclusion of Maldives Monetary Authority
BCC:BR:101:324 Swarna Jayanti Shahari Rozgar Yojana (SJSRY) Revised Guidelines - 2009
Management
BCC:BR:101:323 Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f. 01-
BCC:WB:DFB:101:60 November-2009
BCC:WB:DFB:101:59 Reconciliation of figures of Retail Loans: Finacle vis a vis ASCROM.
BCC:BR:101:326 Rupee Export Credit Interest Rates
BCC:BR:101:321 Opening of Diamond Dollar Accounts (DDAs) - Modification
Dr. Masarrat Shahid, Part-time non-offcial Director on the Board of the Bank
BCC:WB:DFB:101:58 “Baroda Connect” - Prevention of Phishing attacks –
BCC:BR:101:322 Customers’ awareness
Exim Bank's Line of Credit of USD 20 million to the State of Eritrea
BCC:WB:DFB:101:56 Promotion of remittance through NEFT and “Online NEFT/RTGS”
BCC:WB:DFB:101:57 through Baroda Connect.
BCC:BR:101:320 Rupee Export Credit :Interest Rate Subvention Scheme
BCC:BR:101:318 Important Policy Changes regarding sale of American Express Travelers Cheques.
BCC:BR:101:317 Opening and Shifting of Branches/ Offices
LOCKER MODULE IN CBS SYSTEM: RESOLUTION OF OPERATIONAL ISSUES
BCC:BR:101:315 Baroda Health Mediclaim Insurance Policy: Celebration of Bancassurance Months
BCC:BR:101:313 during November & December 2009
FREQUENTLY ASKED QUESTIONS ON ATMS
BCC:BR:101:314 Refinance scheme of SIDBI for women entrepreneurs Viz. Mahila Udyam Nidhi
BCC:BR:101:312 (MUN) Scheme
Shri Amarjit Chopra, Director on the Board of the Bank
BCC:WB:DFB:101:55 Credit facilities for Micro and Small Enterprises – Collateral free loans under
BCC:WB:DFB:101:54 PMEGP Scheme
Issue of Bank Guarantee on behalf of service importers
BCC:BR:101:319 Foreign Exchange Management Act, 1999 – Advance Remittance for import of
Services
Renewal of Customised Export Credit Insurance Cover for Banks (Whole Turnover -
Packing Credit) i.e. ECIB (WT-PC) and Customised Export Credit Insurance Cover
for Banks (Whole Turnover – Post Shipment) i.e. ECIB (WT-PS) of ECGC of

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BCC:BR:101:311 India Ltd.
BCC:BR:101:310 Retail Loans: CRISIL Rating Models
Retail Loans: A new scheme under Baroda Home Loan “Interest Subsidy
BCC:BR:101:309 Scheme for Housing to Urban Poors”
ATM TRANSACTIONS – CEILING OF PER TRANSACTION LIMIT AND
BCC:BR:101:308 NUMBER OF TRANSACTIONS
BCC:BR:101:305 Domestic Recovery Policy, 2009- Further action to be taken at Branches
BCC:BR:101:306 Modification to One Time Settlement Scheme for the MSE sector.
Special Campaign for canvassing ATM-cum-Debit Cards & Baroda Connect
BCC:BR:101:304 Registration - November 2009.
BCC:WB:DFB:101:53 RE: Extension of SANKALP-2 Scheme upto 31st Dec. 2009
National Export Insurance Account (NEIA) set-up by Government of India to provide
BCC:BR:101:298 credit insurance support to medium and long term exports.
BCC:BR:101:297 Management
BCC:BR:101:307 Management
BCC:BR:101:303 HRnes-HRMS - Manager Self Service
BCC:BR:101:302 Domestic Loan Policy-2009
Declaration of incentives under the SB campaign 2009 (2nd Feb,2009 to 27th March
BCC:BR:101:301 2009)
Revision in interest rates on FCNR (B) Deposits and NRE Term Deposits w. e. f. 01st
BCC:BR:101:300 October 2009
BCC:BR:101:295 Security Valuation
Retail Lending: Baroda Auto Loan Product – Modification in Interest Rate
BCC:BR:101:294 Structure for Car Loans sanctioned between October 01, 2009 till October 31, 2009
BCC:WB:DFB:101:52 (Special Festival Offer).
ONLINE VIEWING FACILITY OF ISSUANCE / DISPATCH OF DEBIT CARD
BCC:BR:101:299 Exim Bank's Line of Credit of USD 30 million to the Government of the Republic of
Mozambique
BCC:BR:101:296 Classification of activities under Service Sector under MSMED Act, 2006 as Priority
BCC:BR:101:293 Sector lending.
BCC:BR:101:292 Compliance of Taxation Matters – Tax Deducted at Source (TDS)
BCC:BR:101:290 Management
BCC:BR:101:289 Prevention of Phishing attacks-Raising awareness of customers
BCC:BR:101:316 RABI CAMPAIGN-2009 from 01/10/2009 to 31/12/2009.
Domestic Loan Policy 2009
BCC:BR:101:287 HRnes-HRMS - Verification of Date of Birth and Date of Joining - Last Opportunity
for giving representation for discrepancy in any
BCC:BR:101:282 Investment Credit Campaign for Direct Agriculture-2009 from 01/10/2009 to
BCC:BR:101:291 31/03/2010
Management
BCC:BR:101:288 CISS for Construction /Expansion/ Modernisation of Rural Godowns-Eligibility of
BCC:BR:101:281 than one Godown in different location
BCC:BR:101:286 Re :Fake Circular issued on behalf of Reserve Bank Of India
Management
BCC:WB:DFB:101:51 Implementation of National Agricultural Insurance Scheme(NAIS) Administrative
BCC:BR:101:283 approval for Rabi 2009-10
BCC:BR:101:285 Rupee Export Credit - Interest Rate Subvention
BCC:BR:101:284 Country Risk Management System (CRMS)-DSB Return as on 30-Sept-2009
BCC:BR:101:279 Takeover of Education Loan availed by Officers recruited from Campus
BCC:WB:DFB:101:50 Accounting of recovery of Interest in NPA Accounts
Service Tax on Rent Paid / Received on premises leased for commercial purpose
Foreign Currency Account by diplomatic missions - Credit of Visa Fees