না। ব্যাংকগুলিকে পরামর্শ দেওয়া হয়েছে বিএসবিডিএ খোলার জন্য কোনো ব্যক্তির ওপর বয়স ও আয়ের শর্তে কোনো বিধিনিষেধ আরোপ না করতে।

উত্তর. এই পিপিআইগুলি একটি অস্তিত্ব দ্বারা জারি করা হয় যাতে ঐ অস্তিত্ব থেকেই শুধু বস্তু ও পরিষেবা ক্রয় করা যেতে পারে এবং ক্যাশ টাকা উঠিয়ে নেওয়ার অনুমতি দেয় না। যেহেতু এই দলিলকে ব্যবহার করা যায় না পরিশোধ বা তৃতীয় পক্ষের পরিষেবার নিষ্পত্তির জন্য, সুতরাং জারি করা বা ব্যবহার করার ব্যবস্থা পরিশোধ ব্যবস্থা হিসেবে শ্রেনিভাগ করা হয় না, এবং এতে আরবিআই-এর অনুমোদন লাগে।

Ans. With effect from July 01, 2019, RBI has waived the processing charges levied by it for RTGS transactions. Banks may pass on the benefit to its customers. With a view to rationalise the service charges levied by banks for offering funds transfer through RTGS system, a broad framework of charges has been mandated as under: a) Inward transactions – Free, no charge to be levied. b) Outward transactions – ₹ 2,00,000/- to 5,00,000/-: not exceeding ₹ 25/- (exclusive of tax, if any) Above ₹ 5,00,000/-: not exceeding ₹ 50 (exclusive of tax, if any) Banks may decide to charge a lower rate but cannot charge more than the rates prescribed by RBI.

The Resolution Framework may be invoked for resolution of all exposures of lending institutions to eligible borrowers, including investment exposures. However, the Resolution Framework is without prejudice to all applicable guidelines issued by the relevant financial sector regulators and other Departments of the RBI in respect of any particular exposure.

One can file a complaint with the NBFC Ombudsman by writing on a plain paper and sending it to the concerned office of the NBFC Ombudsman by post/fax/hand delivery. One can also file it by email to the NBFC Ombudsman.

A complaint form along with the scheme is also available on RBI's website, though, it is not mandatory to use this format.

The application form will be provided by the issuing banks/SHCIL offices/designated Post Offices/agents. It can also be downloaded from the RBI’s website. Banks may also provide online application facility.

Ans. A Factoring Unit (FU) is a standard nomenclature used in TReDS for invoice(s) or bill(s) of exchange. Each FU represents a confirmed obligation of the corporates or other buyers, including Government Departments and PSUs.

One can file a complaint with the Ombudsman by writing on a plain paper and sending it to the concerned office of the Ombudsman by post/fax/hand delivery. One can also file it by email to the Ombudsman for Digital Transactions. (For contact details please click here) A complaint form along with the scheme is also available on RBI's website, though, it is not mandatory to use this format.

Ans. Yes. The merchant is required to provide a printed receipt generated by the PoS terminal. In case the facility is availed along with the purchase of merchandise, the receipt generated shall separately indicate the amount of cash withdrawn.

‘Direct from the source system without any manual intervention’ implies that whatever data and information is available in CBS and other IT systems of the banks would be submitted to the regulator without any manual aggregation, conversion or filling of data.  Activities like collecting or collating of data from diverse source systems and compiling them into RBI prescribed formats manually would fall within the meaning of manual intervention.