ଆଜ୍ଞା ନା, ବିଏସବିଡିଏ ଗ୍ରାହକ ସେଇ ସମାନ ବ୍ୟାଙ୍କରେ ଅନ୍ୟ କୌଣସି ସଞ୍ଚୟ ବ୍ୟାଙ୍କ ଖାତା ରଖିପାରିବେ ନାହିଁ | ଯଦି ସରଳୀକୃତ କେୱାଇସି ମାନଦଣ୍ଡ ଆଧାରରେ 'ମୌଳିକ ସଞ୍ଚୟ ବ୍ୟାଙ୍କ ଜମା ଖାତା' ଖୋଲାଯାଏ, ତେବେ ଏହି ଆକାଉଣ୍ଟକୁ ଅତିରିକ୍ତ ଭାବରେ ଏକ 'ସ୍ମଲ ବା ଛୋଟ ଆକାଉଣ୍ଟ୍' ଭାବରେ ବିବେଚନା କରାଯିବ ଏବଂ ଏହିପରି ଖାତାଗୁଡିକ ପାଇଁ ଧାର୍ଯ୍ୟ ସର୍ତ୍ତଗୁଡିକ ଲାଗୁ ହେବ ଯାହା "ନିଜର ଗ୍ରାହକଙ୍କୁ ଜାଣନ୍ତୁ/ ଏଏମେଏଲ ମାନକ / ଆତଙ୍କବାଦକୁ ଆର୍ଥିକ ସହାୟତା ପ୍ରତିରୋଧ/ ପିଏମଏଲ 2002 ଅନ୍ତର୍ଗତ ବ୍ୟାଙ୍କର ଦାୟିତ୍ତ୍ଵ " ଉପରେ 02 ଜୁଲାଇ , 2012 ଦିନାଙ୍କିତ ଆମର ମାଷ୍ଟର ପରିପତ୍ର ଡିବିଡିଓ. ଏଏମଏଲ. ବିସି. ସଂ. 11/14.01.001/2012-13 ର ଅନୁଚ୍ଛେଦ 2.6 ରେ ଉଲ୍ଲେଖ କରାଯାଇଛି |

The various additional provisions prescribed under the Resolution Framework are specific provisions to be maintained in respect of each exposure under consideration.

No. The NBFC Ombudsman does not charge any fee for filing and resolving customers’ complaints.

The Bonds are issued in denominations of one gram of gold and in multiples thereof. Minimum investment in the Bond shall be one gram with a maximum limit of subscription of 4 kg for individuals, 4 kg for Hindu Undivided Family (HUF) and 20 kg for trusts and similar entities notified by the government from time to time per fiscal year (April – March). In case of joint holding, the limit applies to the first applicant. The annual ceiling will include bonds subscribed under different tranches during initial issuance by Government and those purchased from the secondary market. The ceiling on investment will not include the holdings as collateral by banks and other Financial Institutions

Ans. No. The transactions processed under TReDS are “without recourse” to the MSMEs.

No. There is no charge or any fee for filing / resolving customers’ complaints.

Ans. More information about this facility can be found in the following circulars issued by the RBI:

DPSS.CO.PD.No.147/02.14.003/2009-10 dated July 22, 2009, DPSS.CO.PD.No.563/02.14.003/2013-14 dated September 5, 2013, DPSS.CO.PD.No.449/02.14.003/2015-16 dated August 27, 2015, DPSS.CO.PD.No.501/02.14.003/2019-20 dated August 29, 2019, DPSS.CO.PD.No.1465/02.14.003/2019-20 dated January 31, 2020, DPSS.CO.PD.No.S-99/02.14.006/2021-22 dated May 19, 2021.

Banks are free to go ahead with a holistic plan by designing and implementing long-term solutions. However, the banks need to implement ADF for the returns committed under their roadmaps.  Further, the returns identified by Reserve Bank for immediate implementation in a time bound manner also need to be brought under ADF.

On deposit, an acknowledgement receipt mentioning name of declarant and amount deposited will be duly authorized and provided by the bank from which application was made. Subsequently a Certificate of Holding for the BLA will be issued which may be collected from the Authorized Banks through which the deposit was made.

Response: Joint deposit of two or more eligible depositors is allowed under the scheme. The deposit will be credited to a joint deposit account opened in name of such depositors. The existing rules on joint operation of bank accounts including nomination will be applicable.

Response

No, the BSBDA customer cannot have any other savings bank account in the same bank. If 'Basic Savings Bank Deposit Account’ is opened on the basis of simplified KYC norms, the account would additionally be treated as a 'Small Account' and would be subject to conditions stipulated for such accounts as indicated in our circulars RPCD.CO.RCB.AML.BC.No.63/07.40.00/2010-11 dated April 26, 2011 and RPCD.CO.RRB.AML.BC.No.15/03.05.33(E)/2011-12 dated August 8, 2011 on 'Opening of Small Account.'

The limits imposed on cash withdrawals from accounts/bank branches/ ATMs in the wake of demonetisation stand completely withdrawn and status quo ante has been restored

• A non-competitive scheme has been devised for participation of such investors in the auction. Under this scheme, investors are required to indicate the amount of their bids and not the price at which they want to subscribe. Allocation to such investors is made at the weighted average price emerged in the competitive bidding.

• Presently in auction, up to 5 per cent of the notified amount is reserved for non-competitive bidding, while up to 20 per cent of the notified amount will be earmarked for such bidding in case of IIBs to encourage retail participation.

• The retail investors will be able to participate in non-competitive bidding through primary dealers (PD) and banks. They can open a gilt account with PDs and banks or demat account for such participation.

In terms of our circular RPCD.SME&NFS.BC.No.79/06.02.31/2009-10 dated May 6, 2010, banks are mandated not to accept collateral security in the case of loans upto ₹ 10 lakh extended to units in the MSE sector.

Ans. It is not mandatory to attend/opt for the personal hearing. In case a person opts not to attend the personal hearing he//she may indicate his/her preference in writing. The application would be disposed of on the basis of documents submitted to the Compounding Authority. It may be noted that appearing for, or opting out of the personal hearing does not have any bearing, whatsoever, on the amount imposed in the compounding order, as the amount imposed is calculated based on the Guidance note on computation matrix as contained in the Master Direction on compounding of contraventions under FEMA.

Answer: Yes, such acceptance of deposit and refunds, if required, will be covered under current account transactions and can be made freely without any restriction from FEMA perspective.

Ans: The NEFT system is available round the clock throughout the year on all days, i.e., on 24x7x365 basis. NEFT presently operates in batches on half-hourly intervals throughout the day. In case of non-availability of NEFT for any reason, appropriate message will be broadcasted by RBI to all system participants.

An authorisation granted under Section 10(1) of FEMA 1999 may be revoked by the Reserve Bank at any time if the Reserve Bank is satisfied that -

1. it is in public interest so to do; or

2. the authorised person has failed to comply with the condition subject to which the authorisation was granted or has contravened any of the provisions of the Act or any rule, regulation, notification, direction or order made thereunder

Reserve Bank also reserves the right to revoke the authorisation of any of the offices of the authorised person for infringement of any statutory or regulatory provision. The Reserve Bank may at any time vary or revoke any of the existing conditions of an authorisation/licence or impose new conditions.

Ans. The Foreign Contribution Regulation Act, 1976 is administered and monitored by the Ministry of Home Affairs whose address is given below:

Ministry of Home Affairs, FCRA Wing, 1st Floor, Major Dhyan Chand National Stadium, Near Pragati Maidan, New Delhi-110001

No specific approval from the Reserve Bank is required in this regard

Ans While RBI has waived processing charges till March 31, 2008, levy of service charges by banks is left to the discretion of respective banks.