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Archives
| Sl. No. | Policy Circular | Subject | Date |
|---|---|---|---|
| NHB(ND)/DRS/Policy Circular No.95/ 2018-19 | Risk Management System – Appointment of Chief Risk Officer | May 29, 2019 | |
| NHB(ND)/DRS/Policy Circular No.94/ 2018-19 | Guidelines on ‘Know Your Customer’ & ‘Anti-Money Laundering Measures’ for Housing Finance Companies* | March 11,2019 | |
| NHB(ND)/DRS/Policy Circular No.93/ 2018-19 | Disclosure of penalty levied by National Housing Bank on contravention / default of regulatory requirements. | February 15, 2019 | |
| NHB(ND)/DRS/Policy Circular No.92/ 2018-19 | Guidelines on Reporting and Monitoring of Frauds | February 05, 2019 | |
| NHB(ND)/DRS/Policy Circular No.91/ 2018-19 | Filing of Security Interest in CERSAI | January 21, 2019 | |
| NHB(ND)/DRS/Policy Circular No.90/ 2017-18 | Information Technology Framework for HFCs | June 15, 2018 | |
| NHB(ND)/DRS/Policy Circular No.89/ 2017-18 | Implementation of Indian Accounting Standards (Ind AS) | June 14, 2018 | |
| NHB(ND)/DRS/Policy Circular No.88/ 2017-18 | Implementation of Indian Accounting Standards (Ind AS) | April 16, 2018 | |
| NHB(ND)/DRS/Policy Circular No.87/ 2017-18 | Submission of Financial Information to Information Utilities | February 06, 2018 | |
| NHB(ND)/DRS/Policy Circular No.86/2017-18 | Valuation of Properties – Empanelment of Valuers | December 29, 2017 | |
| NHB(ND)/DRS/Policy Circular No.85/ 2017-18 | Aadhaar based e-KYC through OTP / Biometric Authentication | December 08, 2017 | |
| NHB(ND)/DRS/Policy Circular No.84/ 2017-18 | Submission of Credit Information to Credit Information Companies | December 06, 2017 | |
| NHB(ND)/DRS/Policy Circular No.83/ 2017-18 | Submission of data related to suit-filed accounts and non-suit filed accounts of wilful defaulters of ₹25 lakh and above to Credit Information Companies | December 05, 2017 | |
| NHB(ND)/DRS/Policy Circular No.82/2017-18 | MODEL CODE OF CONDUCT FOR DIRECT SELLING AGENTS (DSAs) / DIRECT MARKETING AGENTS (DMAs) | October 17, 2017 | |
| NHB(ND)/DRS/Policy Circular No.81/2017-18 | Valuation of Properties – Empanelment of Valuers | August 31, 2017 | |
| NHB(ND)/DRS/Policy Circular No.80/2017-18 | Valuation of Approved Securities held by HFCs under Section 29B (1) of National Housing Bank Act, 1987 | July 20, 2017 | |
| NHB(ND)/DRS/Policy Circular No.79/2016-17 | NHB(ND)/DRS/Policy Circular No.79/2016-17 | ||
| NHB(ND)/DRS/Policy Circular No.78/2016-17 | Online Reporting Management Information System (ORMIS) | November 30, 2016 | |
| NHB(ND)/DRS/Policy Circular No.77/2016-17 | Prudential Norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances | November 21, 2016 | |
| NHB(ND)/DRS/Policy Circular No.76/2016-17 | Central Know Your Customer Registry(Corrected)* | November 1, 2016 | |
| NHB(ND)/DRS/Policy Circular No.75/2016-17 | Disbursement of housing loan to individual linked to stages of construction | July 1, 2016 | |
| NHB(ND)/DRS/Policy Circular No.74/2015-16 | Guidelines on Wilful Defaulters | December 31, 2015 | |
| NHB(ND)/DRS/Policy Circular No.73/2015-16 | Loan facility to visually impaired persons by HFCs | December 3, 2015 | |
| NHB(ND)/DRS/Policy Circular 72/2014-15 | 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 (PMLA), 2002 – Recognising E-Aadhaar as an officially valid document under PML Rules | April 23, 2015 | |
| NHB(ND)/DRS/Policy Circular 71/2014-15 | Guidelines for Entry of Housing Finance Companies into Insurance Business | April 22, 2015 | |
| NHB(ND)/DRS/Policy Circular 70/2014-15 | Display of Information by HFCs & Most Important Terms and Conditions | April 20, 2015 | |
| NHB(ND)/DRS/Policy Circular 69/2014-15 | Housing Loans: Review of Instructions | April 8, 2015 | |
| NHB(ND)/DRS/Policy Circular 68/2014-15 | Inter-Governmental Agreement (IGA) with United States of America (US) under Foreign Accounts Tax Compliance Act (FATCA)- Registration* | January 14, 2015 | |
| NHB(ND)/DRS/Policy Circular 67/2014-15 | Guidelines for Entry of Housing Finance Companies into Insurance Business | January 14, 2015 | |
| NHB(ND)/DRS/Policy Circular 66/2014-15 | Levy of foreclosure charges/pre-payment penalties on floating rate term loans – Clarification | September 3, 2014 | |
| 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 | |
| NHB(ND)/DRS/Policy Circular 64/2014-15 | Uniformity in charging interest (floating rate basis) for old and new customers | August 22, 2014 | |
| NHB(ND)/DRS/Policy Circular No. 63/2014-15 | Levy of foreclosure charges/pre-payment penalties on floating rate term loans | August 14, 2014 | |
| 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 | |
| NHB(ND)/ DRS/ Pol.No.61/2013-14 | Reserve Fund under Section 29C of the NHB Act, 1987 | April 7, 2014 | |
| 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 | |
| NHB (ND)/DRS/Pol.No. 59/2013-14 | Central Know Your Customer Registry* | January 24, 2014 | |
| NHB (ND)/DRS/Pol.No. 58/2013-14 | Disbursement of housing loan to individual linked to the stages of construction | November 18, 2013 | |
| NHB (ND)/DRS/Pol.No. 57/2012-14 | Ready Forward Transaction in Government Securities and Accounting thereof | July 04, 2013 | |
| 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 | |
| NHB (ND)/DRS/Pol.No. 55/2012-13 | Housing Finance Companies (NHB) Directions, 2010 – definition of sub-standard asset – clarification | April 16, 2013 | |
| NHB (ND)/DRS/Pol-No. 54/2012-13 | MOST IMPORTANT TERMS AND CONDITIONS | ||
| NHB (ND)/DRS/Pol-No. 53/2012-13 | Participation of HFCs in Ready Forward Contracts in Corporate Debt Securities. | October, 2012 | |
| 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 | |
| NHB (ND)/DRS/Pol. No.51/2012-13 | Risk weight on housing loans guaranteed by Mortgage Guarantee Company – Amendment of Housing Finance Companies (NHB) Directions, 2010 | May 28, 2012 | |
| 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 | |
| NHB (ND)/DRS/Pol. No. 49/2011-12 | Computation of Loan to Value (LTV) | April 9, 2012 | |
| NHB (ND)/DRS/Pol. No. 48/2011-12 | Pre-payment penalty on pre-closure of housing loans- Clarification | April 9, 2012 | |
| 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 | |
| NHB (ND)/DRS/Pol. No. 46/2011-12 | Uniformity in charging interest (floating rate basis) – clarification | 23rd February 2012 | |
| 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 | |
| NHB (ND)/DRS/Pol. No. 44/2011-12 | Uniformity in charging interest (floating rate basis) for old and new customers | 19th October 2011 | |
| NHB (ND)/DRS/Pol. No. 43/2011-12 | Pre-payment penalty on pre-closure of housing loans | 19th October 2011 | |
| 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 | |
| NHB (ND)/DRS/Pol. No. 41/2010-11 | HFC(NHB)Directions,2010-DisclosureintheBalanceSheet | 26th September 2011 | |
| NHB (ND)/DRS/Pol. No. 40/2010-11 | National Disaster Management Guidelines on Ensuring Disaster Resilient construction of Buildings and Infrastructure | 20th May 2011 | |
| 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 | |
| NHB (ND)/DRS/Pol. No. 38/2010-11 | Fair Practice Code – Amended | 25th April 2011 | |
| 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 | |
| NHB(ND)/DRS/POL-No-36/2010 | Pre-payment penalty on pre-closure of housing loans | October 18, 2010 | |
| NHB/ND/DRS/Pol-No. 35/2010-11 | Revised Guidelines on Asset-Liability Management System for HFCs | October 11, 2010 | |
| NHB/ND/DRS/Pol-No. 34/2010-11 | Revised Guidelines on Fair Practices Code for HFCs | October 11, 2010 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| NHB(ND)/DRS/POL-No-29/2009 | Excessive interest charged by HFCs on Housing Loans | June 2, 2009 | |
| NHB(ND)/DRS/POL-No-28/2009 | Banking Companies (Nomination ) Rules, 1985- Acknowledgement of Nomination | April 15, 2009 | |
| NHB(ND)/DRS/POL-No-27/2009 | Rating of HFCs | April 13, 2009 | |
| NHB(ND)/DRS/POL-No-26/2009 | KYC Norms/Anti Money Laundering (AML) Standards / Combating of Financing of Terrorism* | Feb. 20, 2009 | |
| NHB(ND)/DRS/POL-No-25/2008 | Guidelines for recovery agents engaged by housing finance companies | July 14, 2008 | |
| NHB(ND)/DRS/POL-No-24/2008 | Model Code of Conduct for Direct Selling Agents (DSAS) | July 14, 2008 | |
| 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 | |
| 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 | |
| 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 | |
| NHB(ND)/DRS/POL-No-20/2007 | KYC- Guidelines- Anti Money laundering standards- reporting system* | Jan. 17, 2007 | |
| 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 | |
| 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 | |
| NHB(ND)/DRS/POL-No-17/2006 | KYC Guidelines – Anti Money laundering standards- reporting system | Sept., 25, 2006 | |
| NHB(ND)/DRS/POL-No-16/2006 | Guidelines on Fair Practices Code- for HFCs | September 5, 2006 | |
| NHB(ND)/DRS/POL-No-15/2006 | Monthly Returns | July 25, 2006 | |
| NHB(ND)/DRS/POL-No-14/2006 | KYC- Guidelines- Anti Money laundering standards- reporting system* | July 25, 2006 | |
| NHB(ND)/DRS/POL-No-13/2006 | KYC- Guidelines- Anti Money laundering standards* | April 10, 2006 | |
| NHB(ND)/DRS/POL-No-12/2006 | Exposure to real estate sector | March 16, 2006 | |
| 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 | |
| NHB(ND)/DRS/POL-No-10/2005-2006 | Draft Guidelines on Securitisation of standard assets | July 04, 2005 | |
| NHB(ND)/DRS/POL-No09/2004-2005 | HFCS directions, 2001 – Disclosure in the Balance Sheet | May 18, 2005 | |
| 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 | |
| NHB(ND)/DRS/POL-No-07/2004-2005 | Calculation of Tier-I Capital (Net Owned Fund)Treatment of Deferred Tax Assets. | March 28, 2005 | |
| 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 | |
| NHB(ND)/DRS/POL-No-05/2004-2005 | “Know Your Customer” Guidelines for Housing Finance Companies* | Sept., 23, 2004 | |
| 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) | |
| 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 | |
| NHB(ND)/DRS/POl-No-02/2004-2005 | “Know your Customer” Guidelines for Housing Finance Companies* | Aug. 25, 2004 | |
| *Extending Master Direction – Know Your Customer (KYC) Direction, 2016 to Housing Finance Companies | |||
