Ans : IFC is a non-deposit accepting loan company which complies with the following :

1. A minimum of 75 per cent of the total assets of an IFC-NBFC should be deployed in infrastructure loans;

2. The company should have minimum net-worth of Rs 300 crore,

3. The CRAR of of the company should be at 15% with Tier I capital at 10% and

4. The minimum credit rating of the company should be at 'A' or equivalent of CRISIL, FITCH, CARE, ICRA, BRICKWORK or equivalent rating by any other accrediting rating agencies.

Their request must be supported by a certificate from their Statutory Auditors confirming the asset pattern of the company as on March 31, of the latest financial year

Ans : Infrastructure Debt Funds (IDFs), can be set up either as a Trust or as a Company. A trust based IDF would normally be a Mutual Fund (MF), regulated by SEBI, while a company based IDF would normally be a NBFC regulated by the Reserve Bank.

Ans. Any person who contravenes any provision of the FEMA, 1999 [except section 3(a)] or contravenes any rule, regulation, notification, direction or order issued in exercise of the powers under this Act or contravenes any condition subject to which an authorization is issued by the Reserve Bank, can apply for compounding to the Reserve Bank. Applications seeking compounding of contraventions under section 3(a) of FEMA, 1999 may be submitted to the Directorate of Enforcement.

All categories of foreign exchange earners, such as individuals, companies, etc., who are resident in India, may open EEFC accounts.

All the farm credit exposures of all lending institutions, including NBFCs, of the nature listed in Paragraph 6.1 of Master Direction FIDD.CO.Plan.1/04.09.01/2016-17 dated July 7, 2016 (as updated), except for loans to allied activities, viz., dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture are excluded from the scope of the Resolution Framework. Subject to the above, loans given to farmer households would be eligible for resolution under the Resolution Framework if they do not meet any other conditions for exclusions listed in the Resolution Framework.

Ans: NEFT offers the following advantages for funds transfer or receipt:

• Round the clock availability on all days of the year.

• Near-real-time funds transfer to the beneficiary account and settlement in a secure manner.

• Pan-India coverage through large network of branches of all types of banks.

• The beneficiary need not visit a bank branch for depositing the paper instruments. Remitter can initiate the remittances from his / her home / place of work using internet banking, if his / her bank offers such service.

• Positive confirmation to the remitter by SMS / e-mail on credit to beneficiary account.

• Penal interest provision for delay in credit or return of transactions.

• No levy of charges by RBI from banks.

• No charges to savings bank account customers for online NEFT transactions.

• The transaction charges have been capped by RBI.

• Besides funds transfer, NEFT system can be used for a variety of transactions including payment of credit card dues to the card issuing banks, payment of loan EMI, inward foreign exchange remittances, etc.

• The transaction has legal backing.

• Available for one-way funds transfers from India to Nepal.

উত্তৰ. নন-বেংকৰ স্বত্বৰ অধীন তথা পৰিচালিত এটিএম ছেট-আপক ডাব্লিউএলএ বোলা হয়। নন-বেংক এটিএম অপাৰেটৰসমূহ ভাৰতীয় ৰিজাৰ্ভ বেংক (আৰবিআই)-ৰ দ্বাৰা পেমেণ্ট এণ্ড ছেটলমেণ্ট ছিষ্টেম এক্ট, 2007 অনুসৰি অনুমোদিত। অনুমোদিত ডাব্লিউএলএ অপাৰেটৰসকলৰ তালিকা আৰবিআই-ৰ ৱেবছাইটত https://www.rbi.org.in/Scripts/PublicationsView.aspx?id=12043 লিংক-ত গ’লে পোৱা যাব।

 

উত্তৰ. ভাৰতীয় ৰিজাৰ্ভ বেংকৰ বহীত ফাণ্ড ছেটলমেণ্ট হৈ যোৱাৰ অৰ্থ সেই পেমেণ্ট চূড়ান্ত আৰু অপৰিৱৰ্তনীয়।

উত্তৰ. পিপিআই হ’ল এনেকুৱা ইনষ্ট্ৰুমেণ্ট, য’ত মজুত থকা ভেলু-ৰ বিনিময়ত সেই ইনষ্ট্ৰুমেণ্টতে পণ্য আৰু সেৱা, লগতে বিত্তীয় সেৱা, ৰেমিটেন্স সুবিধা ইত্যাদি ক্ৰয় কৰিব পৰা যায়। যি তিনিটা শ্ৰেণীত পিপিআই জাৰী কৰিব পৰা যায় সেইবোৰ হ’ল: (i) ক্লোজ্ড ছিষ্টেম পিপিআই, (ii) ছেমি-ক্লোজ্ড ছিষ্টেম আৰু (iii) অপেন ছিষ্টেম পিপিআই।

নহয়, ন’ ফ্ৰিল একাউণ্টৰ ওপৰত 11নভেম্বৰ 2005 চনৰ চাৰ্কুলাৰ ডিবিওডি নং এলইজি. বিচি.44/09.07.005/2005-06 ত থকা নিৰ্দেশমৰ্মে বেংকক সিঁহতৰ সকলো গ্ৰাহকক প্ৰাথমিক সঞ্চয় জমা একাউণ্ট প্ৰদান কৰিবলৈ 10আগস্ট 2012 চনৰ ডিবিওডি. নং. এলইজি. বিচি.35/09.07.005/20012-13 দ্বাৰা নিৰ্দেশ দিয়া হৈছে, যি সৰ্বনিম্ন সাদাৰণ সুবিধাসমূহ পূৰ্বত কোৱাৰ দৰে প্ৰদান কৰিব। বেংকে বৰ্তমানৰ ন’ ফ্ৰিল একাউণ্টসমূহ প্ৰাথমিক সঞ্চয় জমা একাউণ্টত পৰিৱৰ্তিত কৰিব লাগিব।