Latest Expert Exchange Queries
sitemapHome | Registration | Job Portal for CA's | Expert Exchange | Currency Converter | Post Matrimonial Ads | Post Property Ads
News shortcuts: From the Courts | News Headlines | VAT (Value Added Tax) | Service Tax | Sales Tax | Placements & Empanelment | Various Acts & Rules | Latest Circulars | New Forms | Forex | Auditing | Direct Tax | Customs and Excise | ICAI | Corporate Law | Markets | Students | General | Indirect Tax | Mergers and Acquisitions | Continuing Prof. Edu. | Budget Extravaganza | Transfer Pricing
Popular Search: ICAI offer Get Windows 7,Office 2010 in Rs.799 Taxes :: empanelment :: Central Excise rule to resale the machines to a new company :: articles on VAT and GST in India :: ACCOUNTING STANDARD :: list of goods taxed at 4% :: ACCOUNTING STANDARDS :: due date for vat payment :: ARTICLES ON INPUT TAX CREDIT IN VAT :: VAT Audit :: VAT RATES :: TAX RATES - GOODS TAXABLE @ 4% :: cpt :: TDS :: form 3cd
« Latest Circulars »
 Decrease in Foreign Investment limit/ceiling under the PIS in Indian Companies from 49% to 47% - M/s Ujjivan Financial Services Limited
 RBI launches the May 2017 Round of Inflation Expectations Survey of Households
  RBI announces auction of a 15-days Government of India Cash Management Bill
 Auction of Government of India Dated Securities April 24, 2017
 RBI- Compliance with Ghosh Committee Recommendations
 RBI announces auction of a 15-days Government of India Cash Management Bill
  Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS), 2016 - Amended
 Minutes of the Monetary Policy Committee Meeting April 5-6, 2017
 Pradhan Mantri Garib Kalyan Deposit Scheme (PMGKDS), 2016 - Amended
 RBI-Professor Willem H. Buiter, Global Chief Economist, Citigroup, delivers the Sixteenth C.D. Deshmukh Memorial Lecture titled ‘The Good and the Bad Fiscal Theory of the Price Level’
 RBI launches Quarterly Order Books, Inventories and Capacity Utilisation Survey: January – March 2017 (Round 37)

RBI-Branch Authorisation Policy - Information to be submitted by banks
March, 05th 2013


March 4, 2013
Phalguna 13 , 1934 (Saka)

All Domestic Scheduled Commercial Banks 
(excluding RRBs)

Madam / Dear Sir,

Branch Authorisation Policy - Information to be submitted by banks along with Annual Branch Expansion Plan (ABEP)

Please refer to our circular DBOD. No. BL. BC. 24/22.01.001/2011-12 dated July 15, 2011, wherein banks were advised, inter alia that branch authorisation would be based on critical assessment of bank’s performance in financial inclusion, priority sector lending and customer service, etc. For this purpose banks are required to furnish certain information to Reserve Bank along with ABEP as stipulated in Annex-3(E) to Master Circular DBOD.No. BL.BC. 26/22.01.001/2012-13 dated July 2, 2012 on Branch Authorisation.

2. On a review and to ensure comprehensive assessment of banks’ performance in the above parameters, it has been decided to effect certain modifications in the information called for in Annex 3(E). Banks are therefore, advised to furnish the information in the revised Annex-3(E) (enclosed) along with ABEP in future.

3. Please acknowledge receipt.

Yours faithfully

(Prakash Chandra Sahoo)
Chief General Manager

Encl.: As above


Information to be submitted along with ABEP

Name of the bank:

1) Medium Term Policy for Branch Expansion Programme of the bank:

Bank may furnish details of the proposed Medium Term Policy for its branch expansion for branches in Tier 1 centres and in Tier 2 to Tier 6 centres for a period of 3 years.

Bank may also furnish Information on present number of branches and proposed percentage increase (Tier – wise).

2) Expected level of business in the next 3 years

  1. Deposits
  2. Advances

3) Expected customer base in the next 3 years

4) Technology implementation:

  1. No. of branches fully computerised
  2. No. of branches with network connectivity
  3. No. of branches with Core Banking Solution (CBS)

5) Measures to promote financial inclusion:


Bank may furnish details of the various levels/slabs of minimum balance required to be maintained by customers and the related services offered by the bank linked to such multiple levels/slabs of minimum balance under Financial Inclusion initiatives.

A. Bank may also furnish details as under:-

  1. If the bank has implemented BC model, the functioning of the BC model.
  2. Whether bank has a multilingual website?
  3. Setting up of Rural Development and Self Employment Training Institutes (RUDSETIs) and Other Financial Literary and Credit Counselling initiatives.
  4. SHG linkages.
  5. Other ICT enabled Financial Inclusion initiatives like Micro ATMs, Kiosks, etc.
  6. Initiatives/progress in respect of any other latest developments in the Financial Inclusion area.

B. Bank may also provide statistical details for the last three years as under:-

  1. Average number of Basic Savings Bank Accounts/ small accounts per branch
  2. Average number of General Credit Card or Overdraft against Basic Savings Bank Accounts
  3. Average number of Smart Cards issued per branch

6) Schedule of Charges of Products & Services offered:


Bank may forward the Schedule of Charges for various products and services offered to its customers. Minimum balance required for opening of various accounts, charges for non-maintenance of minimum balance, etc.

7) Steps proposed to be taken by the bank to ensure that the quality of customer service does not get adversely affected due to expansion of branch network.

8) Number of complaints received by the bank during last two years (Major areas/ types of complaints) may be mentioned.



No. of complaints
pending at the
beginning of year

No. of complaints
during the year


No. of complaints
disposed of during 
the year

No. of complaints pending at
end of the year


9) Measures proposed by the bank to address the following issues arising out of scaling up of operations due to the proposed expansion of branch network.

  1. Internal control and audit
  2. Housekeeping and reconciliation
  3. Other areas of operational risk
  4. HR issues

10) Position regarding priority sector advances.


Sector wise breakup and percentage of priority sector advances i.e. ratio of priority sector advances (PSA) to Adjusted Net Bank Credit (ANBC) may be furnished.

11) Details relating to Credit Deposit Ratio:

Position as on ( )                                                           (Amt. in Rs crore)











Credit-deposit ratio


Deposits per branch


Advances per branch


12) The activities of the banking group and the nature of relationship of the bank with its subsidiaries, affiliates and associates.

13) Whether any show-cause notice was issued to the bank and whether any penalty was imposed on the bank during the last one year. If so, the details thereof.

14) List of branches opened by the bank during the previous one year.

a. Tier 1 centres


Reference No. of RBI – DBOD letter and date

Serial No. in Annex




Date of opening


b. Tier 2 to 6 centres and North Eastern States & Sikkim





Date of opening


15) List of authorisations for opening of branches, pending with the bank for utilization.


Reference No. of DBOD letter and date

Serial No. in Annex






16) Details of branches proposed to be opened/opened under previous ABEP

Sr. No.


No. of branches

Authorised by RBI under previous ABEP

Actually opened against previous authorisation


Tier 1 centres


a) Under bank district of underbanked states


b) Other than Under bank district of underbanked states



Tier 2 to 6 centres


a) Under bank district of underbanked states


b) Other than Under bank district of underbanked states


c) Unbanked rural centres*


Total = 1+2

* (in terms of Circular DBOD.No. BL.BC.24/22.01.001/2011-12 dated July 15, 2011)

17) Any other information bank may like to furnish.

Home | About Us | Terms and Conditions | Contact Us
Copyright 2017 CAinINDIA All Right Reserved.
Designed and Developed by Binarysoft Technologies Pvt. Ltd.
Binarysoft Technologies - Sitemap

Transfer Pricing | International Taxation | Business Consulting | Corporate Compliance and Consulting | Assurance and Risk Advisory | Indirect Taxes | Direct Taxes | Transaction Advisory | Regular Compliance and Reporting | Tax Assessments | International Taxation Advisory | Capital Structuring | Withholding tax advisory | Expatriate Tax Reporting | Litigation | Badges | Club Badges | Seals | Military Insignias | Emblems | Family Crest | Software Development India | Software Development Company | SEO Company | Web Application Development | MLM Software | MLM Solutions