હા,કૃપા કરી ઉપરોકત (પ્રશ્ર્ન ક્રમાંક 13 ) નો ઉત્તર જુઓ. અલબત જો બૅન્ક કોઈ વધારાનો ચાર્જ ન લગાવે અને મિનિમમ બૅલેન્સ વગર બીડીબીડીએ ખાતાંઓ હેઠળ નિર્ધારિત એ સેવાઓ સિવાય મફતમાં વધુ સુવિધાઓ આપે તો એવાં ખાતાં બીએસબીડીએ રૂપમાં વર્ગીકૃત કરી શકાય છે.

જવાબ. એટીએમ ગોઠવતી બેન્કોને મફત લેણદેણની સંખ્યાની ઉપલબ્ધતા સંબંધમાં એટીએમની સ્થિતિ ગ્રાહકો ઓળખી શકે તે માટે યોગ્ય માધ્યમો (એટીએમ/ સ્ટિકર/ પોસ્ટર વગેરે પર પ્રદર્શિત સંદેશ)નો ઉપયોગ કરીને ‘મેટ્રો’ અથવા ‘નોન- મેટ્રો’માં એટીએમનું સ્થળ સ્થિત છે તે દરેક એટીએમ ખાતે સ્પષ્ટ સંકેત આપવાની સલાહ અપાઈ છે.

Ans. A Small PPI (with cash loading facility) can be held for a maximum period of 24 months only. The 24 months shall be counted from the day of opening such a PPI. Within this period of 24 months, it has to be converted into a full-KYC PPI failing which, no further credit in such PPI shall be allowed. However, the PPI holder shall be allowed to use the available balance.

Ans. No. RTGS is a credit-push system i.e., transactions can be originated by the payer / remitter / sender only to pay / transfer / remit funds to a beneficiary.

Bonds are sold through offices or branches of Nationalised Banks, Scheduled Private Banks, Scheduled Foreign Banks, designated Post Offices, Stock Holding Corporation of India Ltd. (SHCIL) and the authorised stock exchanges either directly or through their agents.

Yes. As per the 13 of the Scheme, the NBFC Ombudsman may reject a complaint at any stage on the following grounds:the complaint made is not on the grounds of complaint referred to in clause 8 of the Scheme; orthe compensation sought is beyond the pecuniary limit specified under the Scheme; orthe complaint made requires consideration of elaborate documentary and oral evidence and the proceedings before the Ombudsman are not appropriate for adjudication of such complaint; orthe complaint made is without any sufficient cause; orthe complaint made is not pursued by the complainant with reasonable diligence required to be taken; orin the opinion of the Ombudsman there is no loss or damage or inconvenience caused to the complainant.

Yes. As per Clause 13 of the Scheme, the Ombudsman may reject a complaint at any stage on the following grounds:Complaint not on the grounds of complaint referred to in Clause 8; orNot in accordance with Sub Clause (3) of Clause 9; orThe compensation claimed beyond the limit prescribed under Clause 12 (5) and 12 (6): orRequiring consideration of elaborate documentary and oral evidence and the proceedings before the Ombudsman are not appropriate for adjudication of such complaint; orWithout any sufficient cause; orComplaint not pursued by the complainant with reasonable diligence; orIn the opinion of the Ombudsman there is no loss or damage or inconvenience caused to the complainant.

In such cases, he/she may apply to the Executive Magistrate to execute the document or make endorsement on his/her behalf after producing sufficient documentary evidence about his/her identity and satisfying the Executive Magistrate that he/she has understood the implications of such execution or endorsement.

Such returns which require qualitative or subjective inputs and narrations may be considered for classification as complex returns by the banks and may be taken up for implementation towards the end of the project.

Response: No.

Response

Yes. Please refer to response to the above query (Query No.14). However, if the bank does not levy any additional charges and offers more facilities free than those prescribed under BDBDA a/cs without minimum balance then such accounts can be classified as BSBDA.

Ans : For the purpose of computing capital adequacy of the IDF-NBFC,

1. bonds covering PPP and post commercial operations date (COD) projects in existence over a year of commercial operation shall be assigned a risk weight of 50 percent.

2. All other assets shall be risk weighted as per the extant regulations as given in para 16 of the Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms (Reserve Bank) Directions, 2007.

• IIBs would be a G-Sec and issued as part of the approved Government market borrowing programme.

• Therefore, IIBs would automatically get SLR status.

The salient features of the Framework are as under:

(i) Before a loan account of an MSME turns into a Non-Performing Asset (NPA), banks or creditors should identify incipient stress in the account by creating three sub-categories under the Special Mention Account (SMA) category as given in the Framework.

(ii) Any MSME borrower may also voluntarily initiate proceedings under this Framework.

(iii) Committee approach to be adopted for deciding corrective action plan.

(iv) Time lines have been fixed for taking various decisions under the Framework.

Yes. The customer can approach the bank to discount or purchase the cheque. It is the commercial decision to extend this facility to customers based on customer profile. It needs to be appreciated that the charges for purchase / discount will be significantly higher because the bank will be parting with the proceeds before realising the cheques. The charges will vary depending on when the request for discount / purchase is made by the customer and the period for which the bank is out of funds.

On return from a foreign trip travellers are required to surrender unspent foreign exchange held in the form of currency notes within 90days and travellers’ cheques within 180 days of return. However, they are free to retain foreign exchange upto USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their RFC(Domestic) Account without any limit.

Ans: The remitter and the beneficiary can track status of NEFT transaction by contacting NEFT Customer Facilitation Centre (CFC) of their bank, respectively. Details of NEFT CFCs of banks are available on the websites of the respective banks. The details of CFC of member banks are also available on the website of RBI at /en/web/rbi/-/customer-facilitation-centres-neft-updated-as-on-june-16-2023-2070-1.

For the purpose of faster tracking of transaction, you may need to provide few details related to transaction such as Unique Transaction Reference (UTR) number / transaction reference number, date of transaction, sender IFSC, amount, beneficiary name, beneficiary IFSC, etc., to your bank.

Ans. Where the medical expenses in respect of NRI close relative [‘relative’ as defined in Section 2(77) of the Companies Act, 2013) are paid by a resident individual, such a payment being in the nature of a resident to resident transaction may be covered under the term “services related thereto” under Regulation 6(2) of Notification No. FEMA 14(R)/2016-RB dated May 2, 2016.

Yes, the banking system too benefits from ECS Credit Scheme such as – Freedom from paper handling and the resultant disadvantages of handling, presenting and monitoring paper instruments presented in clearing. Ease of processing and return for the destination bank branches. Smooth process of reconciliation for the sponsor banks. Cost effective.

There are two types of GAH users (i) Transactional Users - users who can do order management- place/modify/cancel/hold/release and trade. (ii) View Users- who can only view orders/traded placed by various transactional users under the same GAH.