Loans against NRE/FCNR(B) deposits allowed without ceiling subject to margin; premature withdrawal of such deposits prohibited. Banks may grant loans against NR(E)RA and FCNR(B) deposits to depositors or third parties without any ceiling, subject to usual margin requirements; 'loan' includes all fund based and non fund based facilities and FCNR(B) margins are notionally calculated in rupee terms. Premature withdrawal of such deposits is prohibited when loans are availed and must be disclosed at sanction. Existing non conforming loans may continue for their term but shall not be renewed; other conditions unchanged. Instructions are effective immediately and issued under the foreign exchange statute.