होय, तथापि किमान निर्धारित सेवांपेक्षा अतिरिक्त सेवांना अनुमती देण्याचा निर्णय हा बँकांच्या विवेकावर सोडण्यात आला आहे , त्या ह्या अतिरिक्त सेवा एक तर विनाशुल्क देऊ शकतील किंवा रास्त आणि पारदर्शक आधारावर अतिरिक्त मूल्यवर्धित सेवांसाठी किंमतीच्या संरचनेसह गरजा उदयाला आणतील , ज्या ग्राहकांना पूर्वसूचना देऊन निष्पक्षपाती पद्धतीने लागू करायच्या आहेत.बँकांनी मूल्यवर्धित सेवांसाठीची रास्त मूल्य संरचना प्रस्थापित करून किंवा किमान शिल्लक ठेवण्याची गरज निश्चित ठरवून सहजपणे दिसून येईल अशा ठिकाणी त्या प्रदर्शित करायला हव्यात आणि खाते उघडताना ग्राहकांना सांगायला हव्यात. अशा अतिरिक्त सुविधा ‘मूलभूत बचत बँक ठेव खात्यासाठी ’ देणे हे गैर-विवेकपूर्ण, निष्पक्षपाती आणि पारदर्शक असायला हवे. तथापि , अशा अतिरिक्त सेवांचा लाभ घेणारी खाती ही बीएसबीडीए स्वरूपाची मानली जाणार नाहीत.

उत्तर. वरील मोफत व्यवहाराच्या विहित संख्येमध्ये एटीएम वर केलेले दोन्ही आर्थिक आणि आर्थिक व्यवहार समाविष्ट आहेत.

Ans. Cash withdrawal or funds transfer from these two types of Small PPIs is not permitted.

Ans. No, the RTGS system does not accept future value dated transactions.

Ans: The funds availed under TLTRO 2.0 are to be deployed in investment grade bonds, commercial paper (CPs) and non-convertible debentures (NCDs) of Non-Banking Financial Companies (NBFCs) and MFIs in the manner outlined in the press release dated April 17, 2020.

FAQs pertaining to On Tap TLTRO/ reversal of TLTRO/ TLTRO 2.0 transactions

For the purpose of eligibility for resolution under the Resolution Framework, the definition of MSME that would be applicable is the one that existed as on March 1, 2020.

The NBFC Ombudsman endeavours to promote a settlement of the complaint through conciliation/ mediation by agreement between the complainant and the NBFC. If the terms of settlement (offered by the NBFC) are acceptable in full and final settlement of one's complaint, the NBFC Ombudsman will pass an order as per the terms of settlement which becomes binding on the NBFC and the complainant. If the NBFC is found to have adhered to the extant norms and practices in vogue and the complainant has been informed to this effect through appropriate means and complainant’s objections, if any, are not received by the NBFC Ombudsman within the time frame provided, the NBFC Ombudsman will pass an order to close the complaint.

Ans. Yes. The KYC process adopted by the TReDS entities shall adhere to the “Master Direction – Know Your Customer (KYC) Direction, 2016” dated February 25, 2016 (as amended from time to time) issued by RBI.

Yes. The Roadmap to be prepared as per the recommendations of the Approach Paper would enable the banks to set milestones for achieving ADF which in turn would also help in monitoring from time to time the progress made in implementation.

The redemption amount will be credited to the bank account furnished by the person in the application form.