ಉತ್ತರ. ಕಾರ್ಡ್ ಕಳೆದು ಹೋಗಿರುವುದು/ಕಳ್ಳತನವಾಗಿರುವುದು ಗಮನಕ್ಕೆ ಬಂದ ತಕ್ಷಣ ಗ್ರಾಹಕರು ಕಾರ್ಡ್ ನೀಡುವ ಬ್ಯಾಂಕ್ ಅನ್ನು ತಕ್ಷಣ ಸಂಪರ್ಕಿಸಬೇಕು ಹಾಗೂ ಕಾರ್ಡ್ ಅನ್ನು ಬ್ಲಾಕ್ ಮಾಡಲು ಬ್ಯಾಂಕ್ಗೆ ವಿನಂತಿಸಿಕೊಳ್ಳಬೆಕು.

Ans. The salient features of Gift PPIs are as follows:

1. Maximum value of each such prepaid gift instrument shall not exceed ₹10,000/-;

2. Are not reloadable;

3. Cash-out or fund transfer is not permitted. However, the funds may be transferred ‘back to source account’ (account from where Gift PPI was loaded) after receiving consent of the PPI holder;

4. Shall be revalidated (including through issuance of new instrument) as and when requested by the PPI holder; and

5. The Additional Factor of Authentication (AFA) / Two Factor Authentication (2FA) for transactions using Gift PPIs is not mandatory.

Response

BSBDA does not envisage cheque book facility in the minimum facilities that it should provide to BSBDA customers. They are free to extend any additional facility including cheque book facility free of charge (in which case the account remains BSBDA) or charge for the additional facilities (in which case the account is not BSBDA).

The various quantity conditions available are as under:

1. Normal: By default the amount type will be Normal. A Normal order can get partly traded.
2. Disclosed: Disclosed Amount is the part of order amount (In Rs. Crore) which the User is willing to disclose to the market. This is an optional field.
3. All or None (AON): By selecting this option, a User specifies that all of the order should be traded in full i.e. no partial trades, should be allowed. This is an optional field.

The various time conditions available are as under:

4. Day: Under this time condition, order would remain valid throughout the validity of the trading session. It will be available for trade till session close. By default Time Condition - Day is selected.
5. IOC (Immediate or Cancel): If a User wishes his order to be traded immediately, then he could select IOC. Under this condition, when an IOC order is placed, the order would seek for an immediate match, if found it results into a trade; else the IOC order would get cancelled.
6. GTT (Good Till Time): Here while placing an order, the User could mention the time up to which the order would be valid and available for trade. Once the User specified order expiry time has been reached the order would get cancelled.

• Exclusive series for retail investors would be launched in the second half of the current fiscal year (around October 2013).

Taking personal jewellery out of India is governed by Baggage Rules framed under Export-Import Policy by the Government of India. No approval of Reserve Bank is required in this case.

No. There is no value limit on the amount of individual transactions that can be collected by ECS Debit.

When a Government security is lost, stolen, destroyed, mutilated or defaced, then the investor(s) may apply to RBI for issue of a duplicate GPN or SC in terms of Regulations 11 and 13, respectively, of GS Regulations.

Ans: The FAQs on “Legal Entity Identifier (LEI) for Large Value Transactions in Centralised Payment Systems” on the RBI website at /en/web/rbi/faq-page-2?ddm__keyword__26256231__FaqDetailPage2Title_en_US=Legal Entity Identifier (LEI) for Large Value Transactions in Centralised Payment Systems can be referred to.

At the time of making applications, the Promoters/Promoter Group will have to furnish a road map and methodologies they would adopt to comply with all the requirements of the corporate structure indicated in para 2 (C)(ii) and (iii) of the guidelines and realign the business between the entities to be held under the NOFHC [para 2(C)(iv) of the guidelines] within a period of 18 months. After the ‘in-principle approval’ is accorded by RBI for setting up of the bank, the actual setting up of NOFHC and the bank, re-organization of the Promoter Group entities to bring the regulated financial services entities under the NOFHC as well as realignment of business among the entities under the NOFHC have to be completed within a period of 18 months from the date of in-principle approval or before commencement of banking business, whichever is earlier.

• The application form can be downloaded from the RBI’s website. However, banks shall also get forms printed and made available to the investors.

In case of premature redemption, investors can approach the concerned bank/SHCIL offices/Post Office/agent thirty days before the coupon payment date. Request for premature redemption can only be entertained if the investor approaches the concerned bank/post office at least one day before the coupon payment date. The proceeds will be credited to the customer’s bank account provided at the time of applying for the bond.

SGL or CSGL are a demat form of holding government securities with the RBI. Just as an investor can hold shares in demat form with a depository participant, he can also hold government securities in an account with a bank or a PD. Securities kept on behalf of customers by banks or PDs are kept in a segregated CSGL A/c with the RBI. Thus, if the bank or the PD buys security for his client, it gets credited to the CSGL account of bank or PD with the RBI.

Proposals not covered by the conditions under the automatic route require the prior clearance of the regulatory authority for which a specific application in form ODI is required to be made to the Reserve Bank of India.

ಸುತ್ತೋಲೆಯ ದಿನಾಂಕ ಆಗಸ್ಟ್ 10, 2012ರಿಂದ ಪ್ರಸ್ತುತದ ಎಲ್ಲ 'ನೊ-ಫ್ರಿಲ್ಸ್' ಖಾತೆಗಳನ್ನು ಬಿಎಸ್ಬಿಡಿಎ ಖಾತೆಗಳೆಂದು ಪರಿಗಣಿಸಬಹುದು ಮತ್ತು ಬ್ಯಾಂಕುಗಳು ಸುತ್ತೋಲೆಯಲ್ಲಿ ನಿಗದಿಸಲ್ಪಟ್ಟ, ಎಟಿಎಮ್ ಕಾರ್ಡ್ ಮುಂತಾದ ಸೌಲಭ್ಯಗಳನ್ನು ಪ್ರಸ್ತುತದ 'ನೊ-ಫ್ರಿಲ್ಸ್' ಖಾತೆದಾರರಿಗೆ ಗ್ರಾಹಕರು ಬ್ಯಾಂಕಿಗೆ ಸಂಪರ್ಕಿಸಿದಾಗ ನೀಡಬಹುದು. ಆದರೆ ನಮ್ಮ ಸುತ್ತೋಲೆ ನೀಡಿದ ಬಳಿಕ ಗ್ರಾಹಕರು ತೆರೆದ ಹೊಸ ಖಾತೆಗಳಿಗೆ ನಿಗದಿಸಲ್ಪಟ್ಟ ಸೌಲಭ್ಯಗಳನ್ನು ಖಾತೆ ತೆರೆದ ತತ್ಕ್ಷಣವೇ ನೀಡಬೇಕು.

ಉತ್ತರ. ಮ್ಯಾಗ್ನೆಟಿಕ್ ಸ್ಟ್ರೈಪ್ ಕಾರ್ಡ್ ಇಎಮ್ವಿ ಚಿಪ್ನಲ್ಲಿರುವ ಡೇಟಾವನ್ನು ಕಾರ್ಡ್ನಲ್ಲಿರುವ ಮ್ಯಾಗ್ನೆಟಿಕ್ ಸ್ಟ್ರೈಪ್ನಲ್ಲಿ ಕಾರ್ಡ್ ಡೇಟಾವನ್ನು ಸಂಗ್ರಹಿಸುತ್ತದೆ ಹಾಗೂ ಪಿನ್ ಕಾರ್ಡ್ ಅನ್ನು ಚಿಪ್ನಲ್ಲಿ ಸಂಗ್ರಹಿಸಲಾಗುತ್ತದೆ. ಮ್ಯಾಗ್ನೆಟಿಕ್ ಸ್ಟ್ರೈಪ್ ಕಾರ್ಡ್ಗಳಿಗೆ ಹೋಲಿಸಿದಾಗ ಇಎಮ್ವಿ ಚಿಪ್ ಹಾಗೂ ಪಿನ್ ಕಾರ್ಡ್ಗಳನ್ನು ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ

Ans. ಮಾಸ್ ಟ್ರಾನ್ಸಿಟ್ ಸಿಸ್ಟಮ್ಸ್ [ಪಿಪಿಐ-ಎಮ್ಟಿಎಸ್]ಗಾಗಿ ಪಿಪಿಐಗಳ ಪ್ರಮುಖ ವೈಶಿಷ್ಟ್ಯತೆಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ:

1. ಇವುಗಳು ಮಾಸ್ ಟ್ರಾನ್ಸಿಟ್ ಸಿಸ್ಟಮ್ ಆಪರೇಟರ್ಗಳು ನೀಡುವ ಸೆಮಿಕ್ಲೋಸ್ಡ್ ಪಿಪಿಐಗಳಾಗಿವೆ.
2. ಮಾಸ್ ಟ್ರಾನ್ಸಿಟ್ ಸಿಸ್ಟಮ್ನಿಂದ ಹೊರತಾಗಿ, ಅಂತಹ ಪಿಪಿಐ-ಎಮ್ಟಿಎಸ್ ಅನ್ನು ಯಾರ ಚಟುವಟಿಕೆಗಳು ಸಂಬಂಧಿತ /ಸಂಬಂಧಪಟ್ಟ ಅಥವಾ ಟ್ರಾನ್ಸಿಟ್ ಸಿಸ್ಟಮ್ನ ಆವರಣದೊಳಗಡೆಯಲ್ಲಿ ನಡೆಯುವ ಇತರ ವ್ಯಾಪಾರಿಗಳಲ್ಲಿ ಮಾತ್ರ ಬಳಸಬಹುದು.
3. ಅವು ಸ್ವರೂಪದಲ್ಲಿ ಮರುಲೋಡ್ ಮಾಡಬಹುದಾದದ್ದಾಗಿರುತ್ತವೆ.
4. ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ಗರಿಷ್ಠ ಬಾಕಿಯು 3,000/ದ ಮಿತಿಯನ್ನು ಮೀರಬಾರದು.
5. ಕ್ಯಾಶ್-ಔಟ್ ಅಥವಾ ರಿಫಂಡ್ ಅಥವಾ ಹಣ ವರ್ಗಾವಣೆಯನ್ನು ಅನುಮತಿಸಲಾಗುವುದಿಲ್ಲ.
6. ನೀಡಿಕೆದಾರರ ಆಡಳಿತ ಮಂಡಳಿ ಅನುಮೋದಿತ ನೀತಿಯ ಪ್ರಕಾರ ಅವುಗಳನ್ನು ಮರುಮೌಲ್ಯಮಾಪನ ಮಾಡಬಹುದು [ಹೊಸ ಇನ್ಸ್ಟ್ರುಮೆಂಟ್ನ ನೀಡಿಕೆಯನ್ನೂ ಒಳಗೊಂಡು]
7. ನೀಡಿಕೆದಾರರ ಆಡಳಿತ ಮಂಡಳಿ ಅನುಮೋದಿತ ನೀತಿಯ ಪ್ರಕಾರ ಅವುಗಳನ್ನು ಮರುಮೌಲ್ಯಮಾಪನ ಮಾಡಬಹುದು [ಹೊಸ ಇನ್ಸ್ಟ್ರುಮೆಂಟ್ನ ನೀಡಿಕೆಯನ್ನೂ ಒಳಗೊಂಡು]

Ans : The Reserve Bank of India has deregulated the charges to be levied by sponsor banks from user institutions. The sponsor banks are, however, required to disclose the charges in a transparent manner. With effect from 1st July 2011, originating banks are required to pay a nominal charge of 25 paise and 50 paise per transaction to the Clearing house and destination bank respectively. Bank branches do not generally levy processing / service charges for debiting the accounts of customers maintained with them.

The bond can be gifted/transferable to a relative/friend/anybody who fulfills the eligibility criteria (as mentioned at Q.no. 4). The Bonds shall be transferable in accordance with the provisions of the Government Securities Act 2006 and the Government Securities Regulations 2007 before maturity by execution of an instrument of transfer which is available with the issuing agents.