Uniform interest rate framework: co operative banks must follow board approved, disclosed, non negotiable deposit rates with defined premature withdrawal rules. RBI prescribes a uniform, board approved interest rate framework for co operative banks: rates must be disclosed, non negotiable, uniform across branches and customers, with daily product calculation for savings, tenor and size based variation for term deposits, prescribed premature withdrawal rules and board approved penalty disclosure. Parallel rules govern NRE/NRO and FCNR(B) deposits including authorised bank acceptance, minimum tenors, LIBOR/SWAP linked ceilings for FCNR(B), conversion treatment for returning NRIs, and prohibitions on incentive based deposit mobilisation.