No longer current — withdrawn, no replacement on file yet
Source: Reserve Bank of India · RBI/2010-11/68 · issued 01 Jul 2010 · ~1 min read
Quick answerRBI consolidated all exposure norms for scheduled commercial banks (excluding RRBs) as of July 1, 2010. This covers credit limits for individual/group borrowers, sectoral caps, and capital market exposure rules. No new policy changes; purely an update of existing instructions.
What changed
This is an updated Master Circular that consolidates all exposure-related instructions issued up to June 30, 2010, replacing the previous version dated July 1, 2009. It does not introduce new regulations but serves as a single reference document for banks.
What it means for you
Banks must now refer to this circular for all exposure norms, including ceilings on credit to individual/group borrowers, sectoral limits, and capital market exposure. Compliance with these consolidated rules is mandatory. The circular ensures uniformity and clarity in regulatory expectations.
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
Replace the previous 2009 Master Circular with this updated version for all exposure norm compliance.
Review internal policies to ensure alignment with the consolidated guidelines on credit and capital market exposure.
Train credit and risk teams on the updated circular, especially sections on group borrower definitions and capital market exposure limits.
Update internal audit checklists to reference this circular for exposure norm audits.
📜 Read the original circular — full text as issued by RBI
RBI/2010-11/68
DBOD No.Dir.BC. 14/13.03.00/ 2010-11
July 1, 2010
Ashadha 10,1932 (Saka)
All Scheduled Commercial Banks
(excluding RRBs)
Dear Sir / Madam
Master Circular – Exposure Norms
Please refer to the Master Circular DBOD No. Dir. BC. 15/13.03.00/2008-09 dated July 1, 2009 consolidating the instructions / guidelines issued to banks till that date relating to Exposure Norms. The Master Circular has been suitably updated by incorporating the instructions issued up to June 30, 2010 and has also been placed on the RBI website ( http://www.rbi.org.in ). A copy of the Master Circular is enclosed .
Yours faithfully
(A.K.Khound)
Chief General Manager
Encl: as above CONTENTS
Para No.
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2010-11/68 · issued 01 Jul 2010. The plain-English explanation above is BankPulse’s own independent summary.
Discuss this circular with fellow bankers — reply, upvote what helps, report what doesn’t belong. Be professional; no client data. Views are the commenter’s own, not BankPulse’s.
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=5800&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.
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