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POLICY CIRCULAR

POLICY CIRCULAR

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
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