Home › Circulars › RBI/2009-10/301

CRR Hiked for RRBs by 75 bps in Two Stages

No longer current — withdrawn, no replacement on file yet

Source: Reserve Bank of India · RBI/2009-10/301 · issued 01 Feb 2010 · ~2 min read

Quick answerRBI raised CRR for Regional Rural Banks from 5% to 5.75% of NDTL, effective February 13 and February 27, 2010. This phased increase tightens liquidity and aligns RRBs with monetary policy stance.

What changed

RBI increased the Cash Reserve Ratio (CRR) for Regional Rural Banks by 75 basis points, from 5.00% to 5.75% of net demand and time liabilities (NDTL). The hike is implemented in two stages: 5.50% effective from the fortnight beginning February 13, 2010, and 5.75% from February 27, 2010. This follows the Third Quarter Review of Monetary Policy 2009-10 issued on January 29, 2010.

What it means for you

RRBs must set aside a larger portion of their deposits as reserves with RBI, reducing lendable resources. This move tightens liquidity in the rural banking system and may pressure net interest margins. It signals RBI's intent to manage inflation by absorbing excess liquidity, even for smaller banks.

Historical instruction — do not use for current compliance. This is what was required at the time; it no longer reflects current RBI requirements. If no replacement rule is linked above, that only means none is recorded on our register yet — it does not prove no later applicable rule exists. Confirm on the official RBI source below.

What banks were required to do at the time

Recalculate CRR requirements for each fortnight starting February 13 and February 27, 2010, using the new rates.
Ensure adequate liquidity buffers to meet the phased increase without breaching statutory reserve norms.
Communicate the revised CRR to treasury and operations teams for smooth implementation.
Monitor NDTL accurately to avoid penalties for shortfall in CRR maintenance.

Who it affects

All Regional Rural Banks (RRBs), Treasury departments of RRBs, Rural lending operations and credit flow

❓ Common questions

Regulatory timeline

Decoded by BankPulse 2026-06-19 07:37 IST
repealed_by — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
Status change: withdrawn 03 Aug 2026, 04:00 IST

Built from our lineage records — each fact carries its provenance; missing history simply is not shown (never guessed).

Why did RBI increase CRR for RRBs specifically?

The hike is based on the macroeconomic assessment in the Third Quarter Review of Monetary Policy 2009-10, aimed at managing inflation and absorbing excess liquidity in the system.

What are the effective dates and rates for the CRR increase?

CRR rises to 5.50% from the fortnight beginning February 13, 2010, and further to 5.75% from the fortnight beginning February 27, 2010.

Does this circular replace the earlier CRR circular for RRBs?

Yes, it partially modifies the earlier notification dated January 5, 2009, which had set the previous CRR rate.

📜 This document’s life story (1 recorded event, each backed by RBI’s own words)

Repealed by RBI/2025-26/100 — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)

RBI’s words: “Official withdrawal register entry #1755: RPCD.CO.RRB.BC.No.52/03.05.28(B)2009-10 — "Notification on Maintenance of CRR" dated February 1, 2010”

📜 Read the original circular — full text as issued by RBI

Notifications - Reserve Bank of India Skip to main content Selected Selected Change Language हिंदी Search the Website Search Home About Us ▼ About Us Organisation & Functions ▶ Organisation Structure Departments Offices Training Establishment ▶ College of Agricultural Banking Reserve Bank Staff College College of Supervisors RBI's Functions and Working Governors Deputy Governors Executive Directors Communication Policy of RBI Sources of Information ▶ Annual Publications Half-yearly Publications Quarterly Publications Monthly Publications Weekly Publications Occasional Publications SDDS NSDP Data Releases Publications available on Subscription General Information RBI History Museum ▶ The RBI Museum RBI Monetary Museum Notification ▼ Notifications Master Directions Master Circulars Amendment Directions Draft Notifications/Guidelines ▶ Draft Notifications/Guidelines Draft Directions (RE-wise) Index To RBI Circulars Standalone Circulars Circulars Withdrawn Press Releases Speeches & Media Interactions ▼ Speeches Media Interactions Memorial Lectures Podcasts Publications ▼ Biennial Annual Half-Yearly Quarterly Bi-monthly Monthly Weekly Occasional Reports Working Papers Legal Framework ▼ Act Rules Regulations Schemes Research ▼ External Research Schemes RBI Occasional Papers Working Papers RBI Bulletin History DRG Studies KLEMS State Statistics and Finances Statistics ▼ Data Releases Database on Indian Economy Public Debt Statistics Regulatory Reporting ▼ List of Returns Data Definition Validation rules/ Taxonomy List of RBI Reporting Portals FAQs of RBI Reporting Portals Home Notifications Notifications ( 528 kb ) RRBs - Section 42(1) of the Reserve Bank of India Act, 1934 - Maintenance of CRR RBI/2009-10/301 RPCD.CO.RRB.BC.No.53/03.05.28 (B)/2009-10 February 1, 2010 All Regional Rural Banks Dear Sir, RRBs - Section 42(1) of the Reserve Bank of India Act, 1934 - Maintenance of CRR Please refer to our Circular RPCD.CO.RRB.BC.No.82/03.05.28(B)/2008-09 dated January 05, 2009 on the captioned subject. 2. On the basis of the current macroeconomic assessment, as set out in the Third Quarter Review of Monetary Policy 2009-10 issued on January 29, 2010, it has been decided to increase the Cash Reserve Ratio (CRR) for Regional Rural Banks by 75 basis points from 5.00 per cent to 5.75 per cent of their net demand and time liabilities (NDTL) in two stages, effective the fortnights as indicated below: Effective date (i.e. the fortnight beginning from) CRR on net demand and time liabilities (per cent) February 13, 2010 5.50 February 27, 2010 5.75 3. A copy of the relative notification RPCD.CO.RRB.BC.No.52/03.05.28(B) 2009-10 dated February 1, 2010 is enclosed. 4. Please acknowledge receipt to our Regional Office concerned. Yours faithfully, (R.C.Sarangi) Chief General Manager Encl:1 RPCD.CO.RRB.BC.No.52/03.05.28 (B)/2009-10 February 1, 2010 NOTIFICATION In exercise of the powers conferred under the sub-section (1) of Section 42 of the Reserve Bank of India Act, 1934 and in partial modification of the earlier notification RPCD.CO.RRB.No.6607/03.05.28 (B)/2008-09 dated January 05, 2009, the Reserve Bank of India hereby notifies that the average Cash Reserve Ratio (CRR) required to be maintained by every Regional Rural Bank shall, from effective dates mentioned below, be at the percentage points indicated thereagainst. Effective date (i.e. the fortnight beginning from) CRR on net demand and time liabilities (per cent) February 13, 2010 5.50 February 27, 2010 5.75 (G. 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Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2009-10/301 · issued 01 Feb 2010. The plain-English explanation above is BankPulse’s own independent summary.

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BankPulse Compliance Evidence Pack — generated 03 Aug 2026 · status cross-checked against RBI’s official withdrawal register (refreshed weekly).
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=5484&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.