Ans.: The ‘the amount held abroad’ is the outstanding amount which is yet to be received by the company from the importers i.e., unpaid amount for the exports made by the company. Q-7(v) is the change in amount held abroad which is equal to closing balance minus opening balance. Opening balance on April 01, 2024 and closing balance at end-March 2025 of the reference period 2024-25.

The speed of redress depends on a number of factors like complexity of the case, timely submission of documents by the RE, volume of complaints in Ombudsman offices etc.

However, under the new System, CMS sends instant notifications to the complainant and RE and functions as single point reference for all complaint related communication for both parties, thereby obviating undue delays. All other things remaining the same, complaints lodged on CMS directly with all details get speedier redress.

উত্তৰ. বিফল এটিএম ট্ৰানজাকশ্বনৰ ক্ষেত্ৰত, কাৰ্ড জাৰী কৰা বেংকে গ্ৰাহকৰ অভিযোগ যি তাৰিখত পাব, তাৰ 7টা কৰ্ম-দিৱসৰ ভিতৰত গ্ৰাহকৰ একাউণ্টত ৰি-ক্ৰেডিট কৰিব লাগিব আৰবিআই নিৰ্দেশ (DPSS.PD.No.2632/02.10.002/2010-2011 dated May 27, 2011) অনুসৰি।

Ans: No, making specific facial gesture like blinking of eyes, smiling, frowning, etc. are not mandatory for liveness check. The RE is required to take due cognizance of special need, if any, of the customer during liveness check.

Answer: The AD bank in India shall be responsible for the reporting of transactions taking place in the Special Rupee Vostro Account of the correspondent bank of the trading partner country.

Response: Yes. Rupee loans can be availed against the collateral of Deposit Certificates issued by the banks under GMS.

Residents are free to carry the foreign exchange purchased from an authorised dealer or money changer in accordance with the Rules. They are, however, allowed to carry foreign exchange in the form of currency notes/coins upto USD 2,000 or its equivalent only. Balance amount can be carried in the form of traveller’s cheque or banker/s draft. (In this connection please see item No.9).

উত্তৰ. পিপিআই জাৰী-কৰ্তাসকলে পিপিআই ধাৰকসকলক পিপিআই বন্ধ কৰি এই ধৰণৰ পিপিআই-ৰ প্ৰযোজ্য সীমা অনুসৰি বেলেন্সখিনি বেংক একাউণ্টত ট্ৰান্সফাৰ কৰাৰ সুযোগ দিব লাগে। সেই কাৰণে, জাৰী-কৰ্তাই পিপিআই জাৰী কৰাৰ সময়ত এনেকুৱা বিকল্প প্ৰদান কৰিব লাগিব যাতে ধাৰকে পূৰ্ব-নিৰ্ধাৰিত বেংক একাউণ্ট বা আন পিপিআই-ৰ তথ্য দিব পাৰে, য’ত পিপিআই-ত থকা বেলেন্স এমাউণ্টক পিপিআই বন্ধ কৰা, তেনেকুৱা পিপিআই-ৰ ম্যাদ উকলি যোৱা, বৈধতা পাৰ হৈ যোৱাৰ সময়ত ট্ৰান্সফাৰ কৰিব পৰা যায়। বন্ধ কৰাৰ সময়ত ধাৰকে বেংক একাউণ্ট এটা উল্লেখ কৰিব লাগিব, যিটো আগতে দিয়া পূৰ্ব-নিৰ্ধাৰিত একাউণ্টৰপৰা বেলেগ হয়।

Ans : User institutions enjoy many benefits from the ECS Debit Scheme like,

• Savings on administrative machinery and costs of collecting the cheques from customers, presenting in clearing, monitoring their realisation and reconciliation.

• Better cash management because of realisation / recovery of dues on due dates promptly and efficiently.

• Avoids chances of loss / theft of instruments in transit, likelihood of fraudulent access to the paper instruments and encashment thereof.

• Realisation of payments on a uniform date instead of fragmented receipts spread over many days.

• Cost effective.

Ans. You may approach RTGS Help Desk / Contact point of the RBI at rtgsmumbai@rbi.org.in.