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એટીએમ/ વ્હાઈટ લેબલ એટીએમ

16. શું એટીએમ તે લેણદેણ માટે ગ્રાહકોને શુલ્ક લાગુ કરાય છે? +

જવાબ. હા, ગ્રાહકોને મફત લેણદેણની ફરજિયાત સંખ્યા (ઉક્ત પ્રશ્ન 11ના ઉત્તરમાં આપ્યા મુજબ)થી ઉપરની એટીએમ ખાતે લેણદેણ માટે શુલ્ક લાગુ થઈ શકે છે. જોકે હાલમાં આ શુલ્ક તેની/ તેણીની બેન્ક દ્વારા લેણદેણ દીઠ મહત્તમ રૂ. 20થી (વત્તા જો કોઈ લાગુ હોય તો લાગુ કર) વધુ નહીં લાગુ કરી શકાય.

16. Can a closed Small PPI (with cash loading facility) be reopened after exhausting the maximum time limit of 24 months ? +

Ans. Reissue of such PPIs using the same mobile number and same minimum details is not allowed.

16. Can an RTGS transaction be tracked? Would the remitting customer receive an acknowledgement of money credited to the beneficiary's account? +

Ans. While the customers do not have the facility to track the transaction, the RBI has implemented the feature of positive confirmation in an RTGS transaction. Under this, the remitting bank would receive a message from RBI (through the beneficiary bank) that the money has been credited to the beneficiary bank / customer account. Based on this, the remitting bank should advise the remitting customer that money has been credited to the receiving bank’s beneficiary account.

Q.16. Is there any limit on the value of individual transactions in ECS Credit?

Ans : No. There is no value limit on the amount of individual transactions.

16. If a loan account was more than 30 DPD on March 1, 2020, but subsequently got regularised through receipt of overdue, will such accounts be eligible for resolution plan under this framework? +

Such accounts are ineligible for resolution under the Resolution Framework as the Resolution Framework is applicable only for eligible borrowers which were classified as standard, but not in default for more than 30 days as on March 1, 2020. However, such accounts may still be resolved under the Prudential Framework dated June 7, 2019.

16. What happens if the complaint is not settled by agreement ? +

The NBFC Ombudsman proceeds to pass an Award if the the complaint is not settled by an agreement within a specified period as allowed by the NBFC Ombudsman. Before passing an Award, the NBFC Ombudsman will provide reasonable opportunity to the complainant and the NBFC to present their case. It is upto the complainant to accept the Award in full and final settlement or reject it.

16. Whether defaults on TReDS platform are the responsibility of TReDS entities ? +

Ans. No. Default handling is outside the purview of TReDS platforms.

16. What happens if the complaint is not settled by agreement ? +

If the Ombudsman is satisfied that there is indeed a deficiency of service on the part of the System Participant and the complaint is not settled by agreement within a specified period as allowed by the Ombudsman, he/she proceeds to pass an Award. Before passing an Award, the Ombudsman will provide reasonable opportunity to the complainant and the System Participant to present their case. It is upto the complainant to accept the Award in full and final settlement or reject it.

16. Whether there has been any simplification in the process/documentation for recognition of title to Government security of deceased sole holder or joint holders? +

Yes. The title to Government security can now be recognised not only on the basis of a Succession Certificate issued under Part X of the Indian Succession Act, 1925 but also on the basis of a decree, order or direction passed by a competent court or on the basis of a certificate issued or order passed by any other authority who might have been empowered under any statute to confer on any such person a title to the Government security. Further, the title to Government security of deceased sole or joint holders may also be recognized by the RBI/Agency Banks on the basis of any one of the following six documents as prescribed in the G S Regulations.

a “Will” executed by the deceased holder of the Government security bequeathing thereby the security in favour of the person claiming title thereto, provided the probate issued in respect of such Will has been submitted to the Bank by the claimant; or
a registered deed of family settlement, wherein the Government security claimed has been included and given to the claimant; or
a gift deed executed in accordance with the law relating thereto, in respect of the Government security claimed; or
a deed of relinquishment executed by other legal heir or successor of the deceased in accordance with law in favour of the claimant in respect of the Government security claimed; or
a decree passed by a foreign court in respect of the Government security claimed, the execution whereof is permissible in accordance with the provisions of Section 44A of the Civil Procedure Code, 1908 (5 of 1908); or
a deed of partition executed and acted upon in accordance with law, wherein the Government security claimed has been included and given to the share allotted to the claimant.