Regulation

Circulars

 

Sl.No

Policy Circular No.

Subject

Date

1

NHB(ND)/DRS/POl-No-02/2004-2005

“Know your Customer” Guidelines for Housing Finance Companies

Aug. 25, 2004

2

NHB(ND)/DRS/POL-No-03/2004-2005

Appropriation of Reserve Fund created as per Section 29C of the NHB Act, 1987

Aug.26, 2004

3

NHB(ND)/DRS/POL-No-04/2004-2005

Contravention of regulatory requirements by HFCs-Guidelines for levying penalty

Sept., 06, 2004 (Annexure updated as on 05.08.2013)

4

NHB(ND)/DRS/POL-No-05/2004-2005

“Know Your Customer” Guidelines for Housing Finance Companies

Sept., 23, 2004

5

NHB(ND)/DRS/POL-No-06/2004-2005

Maintenance of Registers by the Branches of HFCs in respect of public deposits accepted by them - Clarification

31-Jan., 2005

6

NHB(ND)/DRS/POL-No-07/2004-2005

Calculation of Tier-I Capital (Net Owned Fund)Treatment of Deferred Tax Assets.

March 28, 2005

7

NHB(ND)/DRS/POL-No-08/2004-2005

KYC Guidelines –Identification of Customers either through documentary evidence or by person known to the HFC

March 31, 2005

8

NHB(ND)/DRS/POL-No09/2004-2005

HFCS directions, 2001 – Disclosure in the Balance Sheet

May 18, 2005

9

NHB(ND)/DRS/POL-No-10/2005-2006

Draft Guidelines on Securitisation of standard assets

July 04, 2005

10

NHB(ND)/DRS/POL-No-11/2006

Rotation of partners of the statutory auditors audit firm – HFCs with public deposit /deposits of 50 crore and above

March 3, 2006

11

NHB(ND)/DRS/POL-No-12/2006

Exposure to real estate sector

March 16, 2006

12

NHB(ND)/DRS/POL-No-13/2006

KYC- Guidelines- Anti Money laundering standards

April 10, 2006

13

NHB(ND)/DRS/POL-No-14/2006

KYC- Guidelines- Anti Money laundering standards- reporting system

July 25, 2006

14

NHB(ND)/DRS/POL-No-15/2006

Monthly Returns

July 25, 2006

15

NHB(ND)/DRS/POL-No-16/2006

Guidelines on Fair Practices Code- for HFCs

September 5, 2006

16

NHB(ND)/DRS/POL-No-17/2006

KYC Guidelines - Anti Money laundering standards- reporting system

Sept., 25, 2006

17

NHB(ND)/DRS/POL-No-18/2006

Housing loans –Orders of the Delhi High Court – Writ Petition by Kalyan Sanstha Welfare Organisation against UOI and ors- Implementation of directions

Nov., 23, 2006

18

NHB(ND)/DRS/POL-No-19/2006

Suggestions made by the participants at the meting of Principal Officers at Bangalore on Sept. 15, 2006- Clarifications

Nov. 27, 2006

19

NHB(ND)/DRS/POL-No-20/2007

KYC- Guidelines- Anti Money laundering standards- reporting system

Jan. 17, 2007

 

20

NHB(ND)/DRS/POL-No-21/2007

Creation of floating charges on the assets invested in terms of sub-section (1) & (2) of Sec.29b of the NHB Act, 1987, by the HFCs in favour of their depositors

April 13, 2007

21

NHB(ND)/DRS/POL-No-22/2007

Housing loans –Orders of the Delhi High Court – Writ Petition by Kalyan Sanstha Welfare Organisation against UOI and ors- Implementation of directions

Sept. 27, 2007                                 

22

NHB(ND)/DRS/POL-No-23/2008

Terms and conditions applicable to debt capital instruments to qualify for inclusion as upper Tier-II capital

April 24, 2008

23

NHB(ND)/DRS/POL-No-24/2008

Model Code of Conduct for Direct Selling Agents (DSAS)

July 14, 2008

24

NHB(ND)/DRS/POL-No-25/2008

Guidelines for recovery agents engaged by housing finance companies

July 14, 2008

25

NHB(ND)/DRS/POL-No-26/2009

KYC Norms/Anti Money Laundering (AML) Standards / Combating of Financing of Terrorism

Feb. 20, 2009

26

NHB(ND)/DRS/POL-No-27/2009

Rating of HFCs

April 13, 2009

27

NHB(ND)/DRS/POL-No-28/2009

Banking Companies (Nomination ) Rules, 1985- Acknowledgement  of Nomination

April 15, 2009

28

NHB(ND)/DRS/POL-No-29/2009

Excessive interest charged by HFCs on Housing Loans

June 2, 2009

29

NHB(ND)/DRS/POL-No-30/2009

Finance for Housing Projects- Incorporating clause in the terms and conditions to disclose in Phamplets/Brochures/Advertisements information regarding mortgage of property to the HFC

Sept. 23, 2009

30

NHB(ND)/DRS/POL-No-31/2009

The Housing Finance Companies (NHB) Directions, 2001- Definition of public deposit-to include bonds/debentures issued by HFCs on the basis of negative lien/or Power of Attorney -Clarification

Oct. 27th 2009

31

NHB (ND)/DRS/Pol-No.31/corrg./2009

The HFC (NHB) Directions, 2001- Definition of public deposit-to include bonds/debentures issued by HFCs on the basis of negative lien/or POA  - Corrigendum.

Oct. 27th 2009

32 NHB (ND)/DRS/Pol-No.32/2009-10 Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/ Combating of Financing of Terrorism (CFT)/ Obligation of banks under Prevention of Money Laundering Act, 2002 (PMLA) and rules framed there under. March 16, 2010
33. NHB/ND/DRS/Pol-No. 33/2010-11 Revised Guidelines on ‘Know Your Customer (KYC)’ & ‘Anti Money Laundering (AML) Measures’ for HFCs October 11, 2010
34. NHB/ND/DRS/Pol-No. 34/2010-11 Revised Guidelines on Fair Practices Code for HFCs October 11, 2010
35. NHB/ND/DRS/Pol-No. 35/2010-11 Revised Guidelines on Asset-Liability Management System for HFCs October 11, 2010
36. NHB(ND)/DRS/POL-No-36/2010 Pre-payment penalty on pre-closure of housing loans October 18, 2010
37. NHB (ND)/DRS/Pol. No. 37/2010-11 Loans by HFCs – LTV Ratio, Risk Weights and Provisioning requirements – Amendment of HFC (NHB) Directions, 2010 24th December 2010
38.  NHB (ND)/DRS/Pol. No. 38/2010-11 Fair Practice Code – Amended 25th April 2011
39. NHB (ND)/DRS/Pol. No. 39/2010-11 List of Terrorist Individuals/Organizations under UNSCR 1267 (1999) and 1822 (2008) on Taliban/Al-Quaida Organization 19th May  2011
40.  NHB (ND)/DRS/Pol. No. 40/2010-11 National Disaster Management Guidelines on Ensuring Disaster Resilient construction of Buildings and Infrastructure 20th May  2011
41.  NHB (ND)/DRS/Pol. No. 41/2010-11 HFC(NHB)Directions,2010-DisclosureintheBalanceSheet 26th September  2011
42.  NHB (ND)/DRS/Pol. No. 42/2010-11 List of Terrorist Individuals/Organizations – under UNSCR 1267 (1999) and 1989 (2011) on Taliban/AL-Quaida Organization 11th October 2011
43. NHB (ND)/DRS/Pol. No. 43/2011-12 Pre-payment penalty on pre-closure of housing loans 19th October 2011
44. NHB (ND)/DRS/Pol. No. 44/2011-12 Uniformity in charging interest (floating rate basis) for old and new customers 19th October 2011
45. NHB (ND)/DRS/Pol. No. 45/2011-12 Definition of Public Deposit, Commercial Real Estate Provisioning requirement, Modification in HFC:DIR-I etc.- Amendment of HFC (NHB) Directions, 2010 19th January 2011
46. NHB (ND)/DRS/Pol. No. 46/2011-12 Uniformity in charging interest (floating rate basis) - clarification 23rd February 2012
47. NHB (ND)/DRS/Pol. No. 47/2011-12 List of Terrorist Individuals/Organizations – under UNSCR 1267 (1999) and 1989 (2011) on Taliban/AL-Quaida, and Associated Individuals and Entities 29th March, 2012
48. NHB (ND)/DRS/Pol. No. 48/2011-12 Pre-payment penalty on pre-closure of housing loans- Clarification April 9, 2012
49. NHB (ND)/DRS/Pol. No. 49/2011-12 Computation of Loan to Value (LTV) April 9, 2012
50. NHB (ND)/DRS/Pol. No.50/2011-12 Risk weight on housing loans guaranteed by Mortgage Guarantee Company - Amendment of Housing Finance Companies (NHB) Directions, 2010 May 28, 2012
51. NHB (ND)/DRS/Pol. No.51/2012-13 Pre-payment penalty on pre-closure of housing loans on dual/special rates August 7, 2012
52. NHB (ND)/DRS/Pol. No. 52/2012-13 List of Terrorist Individuals/Organizations under UNSCR 1267 (1999), 1988 (2011) & 1989 (2011) on Taliban/Al-Quaida, and associated individuals and entities. September26, 2012
53. NHB (ND)/DRS/Pol-No. 53/2012-13 Participation of HFCs in Ready Forward Contracts in Corporate Debt Securities October 26, 2012
54. NHB (ND)/DRS/Pol-No. 54/2012-13 MOST IMPORTANT TERMS AND CONDITIONS April 5, 2013
55. NHB (ND)/DRS/Pol.No. 55/2012-13 Housing Finance Companies (NHB) Directions, 2010 – definition of sub-standard asset - clarification April 16, 2013
56. NHB (ND)/DRS/Pol.No. 56/2012-13 Advances Guaranteed by Credit Risk Guarantee Fund Trust for Low Income Housing - Risk Weights and Provisioning June 24, 2013
57. NHB (ND)/DRS/Pol.No. 57/2012-14 Ready Forward Transaction in Government Securities and Accounting thereof July 04, 2013
58. NHB (ND)/DRS/Pol.No. 58/2013-14 Disbursement of housing loan to individual linked to the stages of construction November 18, 2013
59. NHB (ND)/DRS/Pol.No. 59/2013-14 Central Know Your Customer Registry January 24, 2014
60. NHB (ND)/DRS/Pol.No. 60/2013-14 Guidelines on Know Your Customer & Anti Money Laundering Measures- Obligation of HFCs under Prevention of Money Laundering Act, 2002. February 06, 2014
61. NHB(ND)/ DRS/ Pol.No.61/2013-14 Reserve Fund under Section 29C of the NHB Act, 1987 April 7, 2014
62 NHB (ND)/DRS/Pol.Circular No. 62/2014 Creation of Deferred Tax Liability on Special Reserve maintained by Housing Finance Companies under Section 36(1) (viii) of the Income Tax Act, 1961 May 27, 2014
63 NHB(ND)/DRS/Policy Circular No. 63/2014-15 Levy of foreclosure charges/pre-payment penalties on floating rate term loans August 14, 2014
64 NHB(ND)/DRS/Policy Circular 64/2014-15 Uniformity in charging interest (floating rate basis) for old and new customers August 22, 2014
65 NHB(ND)/DRS/Policy Circular No. 65/2014-15 Creation of Deferred Tax Liability on Special Reserve maintained by Housing Finance Companies under Section 36(1) (viii) of the Income Tax Act, 1961 August 22, 2014
66 NHB(ND)/DRS/Policy Circular 66/2014-15 Levy of foreclosure charges/pre-payment penalties on floating rate term loans - Clarification September 3, 2014
 
 
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