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 |