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  News & Events
 
03/04/2025
Poonam Gupta's appointment as RBI Deputy Governor
02/04/2025
GST Advisory for Biometric-Based Aadhaar Authentication and Document Verification for GST Registration Applicants of Assam
Gross and Net GST revenue collections for the month of Mar, 2025
President Murmu asks RBI, banks to guard against e-frauds
31/03/2025
NFRA flags lapses in audit quality of three Audit Firms
28/03/2025
CA final exams to be held thrice a year from this year - ICAI
27/03/2025
RBI imposes Rs.75 lakh penalty on HDFC Bank, Rs.68.2 lakh on Punjab & Sind Bank
Bank Branch Audit 2025 Updates - Panel to Banks
 
 
  Notification/Circulars
01/04/2025
Master Circular - Housing Finance for UCBs
Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2025
Master Circular – Housing Finance
Master Circular - Bank Finance to Non-Banking Financial Companies (NBFCs)
Master Circular - Income Recognition, Asset Classification, Provisioning and Other Related Matters - UCBs
Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances
Master Circular - Guarantees and Co-acceptances
Master Circular - Guarantees, Co-acceptances & Letters of Credit - UCBs
Master Direction – Facility for Exchange of Notes and Coins
Reserve Bank of India (Classification, Valuation and Operation of the Investment Portfolio of Commercial Banks) Directions, 2023
Master Circular - Prudential Norms on Capital Adequacy - Primary (Urban) Co-operative Banks (UCBs)
Master Direction on Counterfeit Notes, 2025 – Detection, Reporting and Monitoring
Master Circular – Basel III Capital Regulations
Master Circular on Board of Directors - UCBs
Master Circular on Conduct of Government Business by Agency Banks - Payment of Agency Commission
Master Circular - Disbursement of Government Pension by Agency Banks
Master Direction – Scheme of Penalties for bank branches and currency chests for deficiency in rendering customer service to the members of public
Master Direction on Penal Provisions in reporting of transactions / balances at Currency Chests
Master Circular – Lead Bank Scheme
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
Master Circular – Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)
Master Circular on SHG-Bank Linkage Programme
29/03/2025
Revised norms for Government Guaranteed Security Receipts (SRs)
Special Clearing Operations on March 31, 2025
27/03/2025
General Notification for Sale and Issue of Government of India Securities (including Treasury Bills and Cash Management Bills)
Gold Monetization Scheme (GMS), 2015 - Amendment
Master Direction – Reserve Bank of India (Prudential Norms on Capital Adequacy for Regional Rural Banks) Directions, 2025
Master Directions - Reserve Bank of India (Priority Sector Lending – Targets and Classification) Directions, 2025
Priority Sector Lending Certificates
Review of Priority Sector Lending (PSL) Target – Urban Co-operative Banks (UCBs)
Currency Chest operations on March 31, 2025
21/03/2025
Treatment of Right-of-Use (ROU) Asset for Regulatory Capital Purposes
Amortisation of additional pension liability - Implementation of Pension Scheme in Regional Rural Banks with effect from November 1, 1993 - Prudential Regulatory Treatment
Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021: Clarifications
17/03/2025
Asian Clearing Union (ACU) Mechanism – Indo-Maldives trade
Annual Closing of Government Accounts – Transactions of Central / State Governments – Special Measures for the Current Financial Year (2024-25)
Implementation of Section 51A of UAPA, 1967: Updates to UNSC’s 1267/1989 ISIL (Da'esh) & Al-Qaida Sanctions List: Amendments in 12 Entries
Our Vision

Philosophy & Vision of Tosniwal & Associates.

Philosophy Statement

  • To uphold high standards of honesty and integrity that make the individual and collective actions of those who work for the organization tuned to truth.
     
  • To place the interest of individuals and that of clients' ahead of that of the Firm whenever the need arises to differentiate between these interests.
     
  • To strive always to improve the quality of services, driven by the larger need, internal and external, to improve the quality of life and the standard of living, for society as a whole.

 

Corporate Vision Statement

  • To perpetuate the sacred vision of the pioneering Founder of the Firm in the direction of being an organization devoted to commercial education - an objective close to his heart and mind.
     
  • To be significantly present in all the regions of the country as a non-family, institutionalized, national, professional firm of repute, addressing primarily the mid-sized and large corporate segments and all those entrepreneurial-individuals who create and drive the economic growth of the country irrespective of size. To provide balanced and rounded threefold services in the related areas of professional practice: audit, tax and consulting, at all practice locations.
     
  • To be a leader - competitive, dynamic - in the areas of operation, so that the best opportunity to progress and grow - at all levels - is available to all associated with the Firm, thereby directly serving the best-interests of the Firm's clients; and to develop and implement strategies towards that end.