جی نہیں، بی ایس بی ڈی اے کسٹمر، اُسی بینک میں کوئی اور بچت بینک جمع کھاتہ نہیں کھول سکتا/سکتی۔ اگر بنیادی بچت بینک جمع کھاتہ آسان کے وائی سی کے ضابطوں کی بنیاد پر کھولا جائے تو اُس کھاتے کو ایک 'چھوٹا کھاتہ' کی حیثیت سے اضافی مانا جائے گا۔ اور اس پر ماسٹر سرکیولر پیراگرام 2.7 میں نشان زد کردہ کے مطابق ایسے کھاتوں کیلئے مشروط معاہدہ ہوگا۔ ڈی بی او ڈی اے ایم ایل بی سی نمبر : 11/14.01.001/2012-13 بتاریخ 02/جولائی 2012 کے وائی سی ضوابط / اے ایم ایل اسٹینڈرڈس / کمباٹنگ آف فائنینسنگ آف ٹیرارزِم (سی ایف ٹی) / پی ایم ایل اے، 2002 کے تحت آبلیگیشن آف بینکس۔

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.