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

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