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ଏଟିଏମ/ ହ୍ଵାଇଟ ଲେବୁଲ ଏଟିଏମ

24. ଗ୍ରାହକ କିପରି ନିଜର ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ ଦେଣନେଣକୁ ସୁରକ୍ଷିତ ରଖିବା ଆବଶ୍ୟକ ?

ଉତ୍ତର. ଗ୍ରାହକ ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ ରେ ନିଜର ଦେଣନେଣକୁ ସୁରକ୍ଷିତ ଏବଂ ନିରାପଦ ରଖିବା ପାଇଁ ନିମ୍ନଲିଖିତ ' କଣ କରିବା ଏବଂ କଣ ନ କରିବା' ପାଳନ କରିବା ଉଚିତ |

ଗ୍ରାହକ ସମ୍ପୂର୍ଣ୍ଣ ଗୋପନୀୟତା ସହିତ ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ ଦେଣନେଣ କରିବା ଉଚିତ ।
ଗୋଟିଏ ସମୟରେ କେବଳ ଜଣେ କାର୍ଡଧାରକ ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ କିଓସ୍କ ଭିତରେ ପ୍ରବେଶ କରିବା ଉଚିତ ।
କାର୍ଡଧାରକ ନିଜର କାର୍ଡ ଅନ୍ୟ କାହାକୁ ଦେବା ଉଚିତ ନୁହେଁ
କାର୍ଡଧାରକ ନିଜ କାର୍ଡ ଉପରେ ପିନ ସଂଖ୍ୟା ନ ଲେଖିବା ଆବଶ୍ୟକ ।
କାର୍ଡଧାରକ ନିଜର ପିନ ଅନ୍ୟ କାହା ସହିତ ଶେୟାର ନ କରିବା ଉଚିତ ।
କାର୍ଡଧାରକ ନିଜର ପିନ ଟିପିଲା ବେଳେ ଅନ୍ୟ କାହାକୁ ଦେଖିବାର ସୁଯୋଗ ନ ଦେବା ଉଚିତ ।
କାର୍ଡଧାରକ ସହଜରେ ଅନୁମାନ କରାଯାଇ ପାରୁଥିବା ପିନ ବ୍ୟବହାର ନ କରିବା ଉଚିତ ।
କାର୍ଡଧାରକ ନିଜର କାର୍ଡ କଦାପି ଏଟିଏମ / ଡବ୍ଲୁଏଲଏରେ ଛାଡ଼ି ନ ଆସିବା ଉଚିତ ।
କାର୍ଡଧାରକ ନିଜର ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ ଦେଣନେଣ ର ଆଲର୍ଟ ପାଇବା ପାଇଁ, କାର୍ଡ ଜାରିକର୍ତ୍ତା ବ୍ୟାଙ୍କରେ ନିଜର ମୋବାଇଲ ନମ୍ବର ପଞ୍ଜୀକରଣ କରେଇବା ଉଚିତ । ଯଦି ଖାତାରେ କୌଣସି ଅନଧିକୃତ ଦେଣନେଣ ହେବା ଲକ୍ଷ୍ୟ କରୁଛନ୍ତି ତେବେ ତୁରନ୍ତ ତାହାର ରିପୋର୍ଟ, କାର୍ଡ ଜାରିକର୍ତ୍ତା ବ୍ୟାଙ୍କକୁ କରିବା ଆବଶ୍ୟକ ।
କାର୍ଡଧାରକ ସତର୍କ ରହିବା ଉଚିତ ଆଉ ଯାଞ୍ଚ କରିବା ଆବଶ୍ୟକ ଯେ ଏଟିଏମ / ଡବ୍ଲୁଏଲଏ ସହ ଅନ୍ୟ କୌଣସି ଅତିରିକ୍ତ ଡିଭାଇସ ସଂଯୁକ୍ତ ହୋଇଛି କି । ହେଇପାରେ ଏହି ଡିଭାଇସ ଗ୍ରାହକଙ୍କ ଡାଟାକୁ ଆସାଧୁ ଉପାୟରେ ପାଇବା ପାଇଁ ଲଗା ଯାଇଛି । ଯଦି ଏପରି କିଛି ଲକ୍ଷ୍ୟ କରୁଛନ୍ତି ତେବେ ସୁରକ୍ଷା ଗାର୍ଡ /ବ୍ୟାଙ୍କ/ ଡବ୍ଲୁଏଲଏ ସତ୍ତାକୁ ତୁରନ୍ତ ସୂଚିତ କରିବା ଆବଶ୍ୟକ ।
କାର୍ଡଧାରକ ଏଟିଏମ୍ / ଡବ୍ଲୁଏଲଏ ଚାରିପାଖରେ କୌଣସି ସନ୍ଦିଗ୍ଧ ବ୍ୟକ୍ତିଙ୍କ ଗତିବିଧି ଉପରେ ନଜର ରଖିବା ଉଚିତ । କଥାବାର୍ତ୍ତା କରି ଧ୍ୟାନ ହଟେଇବାକୁ କିମ୍ବା ଏଟିଏମ କାର୍ଯ୍ୟରେ ସାହାଯ୍ୟ କରିବାକୁ ଚେଷ୍ଟା କରୁଥିବା ଅପରିଚିତ ବ୍ୟକ୍ତିଙ୍କ ପ୍ରତି ସିଏ ସାବଧାନ ହେବା ଉଚିତ ।
କାର୍ଡଧାରକ ମନେ ରଖିବା ଉଚିତ ଯେ ବ୍ୟାଙ୍କ କର୍ମଚାରୀମାନେ କେବେ ବି ଟେଲିଫୋନ / ଇମେଲ ମାଧ୍ୟମରେ କାର୍ଡ ବିବରଣୀ କିମ୍ବା ପିନ ମାଗିବେ ନାହିଁ । ନିଜକୁ ବ୍ୟାଙ୍କର ପ୍ରତିନିଧି ହିସାବରେ ପରିଚୟ ଦେଉଥିବା କୌଣସି ବ୍ୟକ୍ତିଙ୍କ ଯୋଗାଯୋଗର ଉତ୍ତର ସେ ଦେବା ଉଚିତ ନୁହେଁ ।

24. What is Legal Entity Identifier and how is it relevant in case of RTGS transactions? +

Ans. The FAQs on “Legal Entity Identifier (LEI) for Large Value Transactions in Centralised Payment Systems” on the RBI website at https://www.rbi.org.in/Scripts/FAQView.aspx?Id=140 can be referred to.

24. What are the other types of PPIs apart from the Small PPIs and Full-KYC PPIs mentioned above ? +

Ans. Apart from above PPIs, there are the following two categories of PPIs:

Gift PPIs; and
PPIs for Mass Transit Systems (PPI-MTS).

24. Can I encash the bond anytime I want? Is premature redemption allowed? +

Though the tenor of the bond is 8 years, early encashment/redemption of the bond is allowed after fifth year from the date of issue on coupon payment dates. The bond will be tradable on Exchanges, if held in demat form. It can also be transferred to any other eligible investor.

24. Can payments towards tax, penalty, surcharge and deposit under PMGKY be made in SBNs? +

The Central Government has decided that upto 30.12.2016, the payment towards tax, surcharge, penalty and deposit under the Pradhan Mantri Garib Kalyan Yojana (PMGKY), can be made in Old Bank Notes of ₹ 500 and ₹ 1000 denomination issued by the RBI. The Taxation and Investment Regime for Pradhan Mantri Garib Kalyan Yojana (PMGKY), 2016 has commenced on 17th December, 2016 and is open for declarations upto 31st March, 2017. The payment of tax, surcharge and penalty under the Scheme is to be made through challan ITNS-287 and the deposits are to be made in the Pradhan Mantri Garib Kalyan Deposit Scheme, 2016. The notifications relating to PMGKY are available on the website www.incometaxindia.gov.in

24. Query What is the prescribed rate of interest payable on balances in such ‘Basic Savings Bank Deposit Account’? +

Our instructions contained in circular RPCD.CO.RRB.BC.No.57/03.05.33/2011-12 dated January 30, 2012 on Deregulation of Savings Bank Deposit Interest Rate, are applicable to deposits held in ‘Basic Savings Bank Deposit Account’.

24. What the order management functionalities available to the GAH? +

On the NDS OM Web Module, the GAH has the functionality to directly place bids and offers. The GAH can modify or cancel his/her outstanding orders. Outstanding orders can also be put on Hold and Released, if required by the GAH. The complete control over his outstanding orders is available to the GAH. The GAH gets real time update about the status of his orders through notifications and pop-ups.

24. What is going to be the issuance size of IIBs for each tranche? +

As indicated in our press release dated May 15, 2013, size of the each tranche would be Rs. 1,000-2,000 crore.

24. Is one required to follow complete export procedure when a gift parcel is sent outside India? +

A person resident in India is free to send (export) any gift article of value not exceeding Rs. 5,00,000 provided export of that item is not prohibited under the extant EXIM Policy.

24. Can a customer stipulate any ceiling on the amount of debit, purpose or validity period of the mandate under the ECS Debit Scheme? +

Yes. It is left to the choice of the individual customer and the ECS user to decide these aspects. The mandate can contain a ceiling on the maximum amount of debit, specify the purpose of debit and validity period of the mandate.

Q.24. What is the Certified Credit Counsellors (CCC) Scheme ? +

In terms of announcement in para 48 of First Bi-monthly Monetary Policy Statement, 2016-17, Reserve Bank laid down a framework for accreditation of credit counsellors which was shared with SIDBI for laying down operational guidelines. Accordingly, the scheme was launched by SIDBI in July 2017. As per the scheme, Certified Credit Counsellors are institutions or individuals registered with SIDBI who shall assist MSMEs in preparing project reports in a professional manner which would, in turn, help banks make more informed credit decisions.

24. When will customers be issued securities? +

The customers should be issued the securities after receiving clear money. After receiving clear money, banks should register the customer on CBS and generate Certificate of Holding.

24. Whether duplicate Government security can be issued in lieu of a Government security that has been lost, stolen or destroyed, or has been defaced or mutilated? +

Yes. A duplicate Government security may be issued if the holding was in the form of SC and GPN. However, no duplicate Government security will be issued for Bearer Bonds/Prize Bonds. Further, no duplicate Government security will be issued in case of matured loans and the redemption proceeds will be paid to the investor after following the procedure for issuing duplicate Government security.

Q.25. Is there any limit on the value of Individual transactions in ECS Debit?

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

25. Can a person resident in India hold assets outside India?

In terms of sub-section 4, of Section (6) of the Foreign Exchange Management Act, 1999, a person resident in India is free to hold, own, transfer or invest in foreign currency, foreign security or any immovable property situated outside India if such currency, security or property was acquired, held or owned by such person when he was resident outside India or inherited from a person who was resident outside India.

25. How will the securities be issued ? +

RBI will issue securities only in demat (SGL) form. It will credit the securities to the CSGL account of the bank/PD .

25. Whether banks can pay interest on NRE and FCNR(B) deposits for the intervening Saturday, Sunday and holidays between the date of maturity and payment ? +

Yes. Whenever the due dates fall on Saturday/Sunday/non-business working day/holidays banks are permitted, to pay interest on NRE and FCNR(B) deposits at the originally contracted rate for the intervening period between the due date and date of payment so that no interest loss is suffered by the depositors.III. Advances

Q.25 Is there any prohibition under the automatic route ? +

Yes. Companies, which are under the investigation by the Enforcement Directorate or are in the Reserve Bank’s caution/defaulters list, are not eligible to make investment under the automatic route.

25. ଅଗଷ୍ଟ 10, 2012 ଦିନାଙ୍କିତ ଆରବିଆଇ ପରିପତ୍ର ଡିପିଏସଏସ. ସିଓ.ସିଏଚଡି. ସଂ. 274/03.01.02/2012-13 ଅନୁଯାୟୀ, ଯଦି 'ସମମୂଲ୍ୟ ଭାବରେ ଦେୟ' /“ମଲ୍ଟି ସିଟି” ଚେକ ବିଏସବିଡିଏ ଗ୍ରାହକଙ୍କୁ ସେମାନଙ୍କ ଅନୁରୋଧ ଆଧାରରେ ଦିଆଯାଏ, ତେବେ ବ୍ୟାଙ୍କଗୁଡ଼ିକ ସର୍ବନିମ୍ନ ବାଲାନ୍ସ ଆବଶ୍ୟକତା ପାଇଁ ନିର୍ଦ୍ଦେଶ ଦେଇ ପାରିବେ କି?

DPSS. CO.CHD. No. 274/03.01.02/2012-13 dated August 10, 2012
ବିଏସବିଡିଏ ଗ୍ରାହକଙ୍କୁ ଦିଆଯାଉଥିବା ସର୍ବନିମ୍ନ ସୁବିଧା ଅନ୍ତର୍ଗତ ବିଏସବିଡିଏ ରେ ଚେକ୍ ବୁକ୍ ସୁବିଧା ଧାର୍ଯ୍ୟ କରାଯାଇ ନାହିଁ । ବ୍ୟାଙ୍କ ମାଗଣା ଚେକ ବୁକ ସୁବିଧା ସହିତ କୌଣସି ବି ଅତିରିକ୍ତ ସୁବିଧା(ଯେଉଁ କ୍ଷେତ୍ରରେ ଖାତା ବିଏସବିଡିଏ ରହିଥାଏ) କିମ୍ବା ଅତିରିକ୍ତ ସୁବିଧା ପାଇଁ ଶୁଳ୍କ (ଯେଉଁ କ୍ଷେତ୍ରରେ ଖାତା ବିଏସବିଡିଏ ନୁହେଁ) ଆଦାୟ କରିବା ପାଇଁ ସ୍ଵାଧୀନ ଅଟନ୍ତି ।