উত্তৰ. নন-বেংকৰ স্বত্বৰ অধীন তথা পৰিচালিত এটিএম ছেট-আপক ডাব্লিউএলএ বোলা হয়। নন-বেংক এটিএম অপাৰেটৰসমূহ ভাৰতীয় ৰিজাৰ্ভ বেংক (আৰবিআই)-ৰ দ্বাৰা পেমেণ্ট এণ্ড ছেটলমেণ্ট ছিষ্টেম এক্ট, 2007 অনুসৰি অনুমোদিত। অনুমোদিত ডাব্লিউএলএ অপাৰেটৰসকলৰ তালিকা আৰবিআই-ৰ ৱেবছাইটত https://www.rbi.org.in/Scripts/PublicationsView.aspx?id=12043 লিংক-ত গ’লে পোৱা যাব।

 

The pension paying banks credit the pension amount in the accounts of the pensioners based on the instructions given by the Pension Paying Authorities.

Response: Resident Indians [Individuals, HUFs, Proprietorship & Partnership firms, Trusts including Mutual Funds/Exchange Traded Funds registered under SEBI (Mutual Fund) Regulations, Companies, charitable institutions, Central Government, State Government or any other entity owned by Central Government or State Government].

Ministry of Micro, Small and Medium Enterprises, Government of India has launched the Udyam Assist Platform (UAP) to facilitate formalisation of Informal Micro Enterprises (IMEs) through online generation of Udyam Assist Certificate. Ministry of MSME has defined IMEs as those enterprises, which on the basis of their turnover, are exempted from filing returns under the provisions of the Central Goods and Services Tax Act, 2017.

The UAP is managed by SIDBI wherein registration of enterprises on the platform is done with the assistance of Designated Agencies which are RBI regulated entities (including scheduled commercial banks, non-banking financial companies, etc.). The certificate issued on UAP to IMEs is treated at par with URC for the purpose of availing PSL benefits. IMEs with an Udyam Assist Certificate are treated as micro enterprises for the purpose of PSL classification. (Refer Master Direction FIDD.MSME & NFS.12/06.02.31/2017-18 dated July 24, 2017 and circular  FIDD.MSME & NFS.BC.No.09/06.02.31/2023-24 dated May 09, 2023)

Ans. Yes, KYC is mandatorily required to be carried out:

1. at the time of commencement of an account-based relationship, i.e., opening any type of account with the RE; or
2. when a walk-in-customer carries out occasional transaction of an amount equal to or exceeding ₹50,000 (whether conducted as a single transaction or several transactions that appear to be connected); or
3. when a walk-in-customer carries out any international money transfer operations; or
4. when the RE has a doubt about the authenticity or adequacy of the customer identification data it has obtained; or
5. when the RE sells its own products or third party products as an agent; payment of dues of credit cards/ sale and reloading of prepaid/ travel cards and any other product for more than ₹50,000.

নাই, এজন ব্যক্তিয়ে এটা বেংকত কেৱল এটায়ে ‘প্ৰাথমিক সঞ্চয় জমা একাউণ্ট’ ৰাখিব পাৰিব।

Ans: It is clarified that treatment advised in the relevant clause (revised clause 77A) for investment by a transferor in SRs backed by stressed loans transferred by it are applicable to all SR investments outstanding as on the date of issuance of the MD. However, lenders other than specified at clause 3(a) & (e) shall be guided by the proviso added to the clause 77A.

উত্তৰ. ফাণ্ড ট্ৰান্সফাৰৰ বিভিন্ন পদ্ধতিৰ তুলনাত আৰটিজিএচ-ত বহুত সুবিধা পোৱা যায়:

• এইটো ফাণ্ড ট্ৰান্সফাৰৰ সুৰক্ষিত আৰু নিৰাপদ পদ্ধতি হয়।
• আৰটিজিএচ ট্ৰানজাকশ্বন/ট্ৰান্সফাৰত ধনৰ পৰিমাণৰ কোনো সীমা নাই।
• সৰহ ভাগ বেংকৰ শাখা কাম কৰি থকাৰ সময়ত সকলো দিনতে, শনিবাৰৰ লগতে, এই ছিষ্টেম উপলব্ধ হয়।
• হিতাধিকাৰীৰ একাউণ্টত ৰিয়েল টাইম ফাণ্ড ট্ৰান্সফাৰ হৈ যায়।
• ধন প্ৰেৰকে ফিজিকেল চেক বা ডিমাণ্ড ড্ৰাফ্ট ব্যৱহাৰ কৰিব নালাগে।
• কাগজৰ নোট জনা দিয়াৰ কাৰণে হিতাধিকাৰীয়ে বেংকৰ শাখাত যোৱাৰ প্ৰয়োজন নাই।
• হিতাধিকাৰীয়ে এইটো ভয় কৰিব নালাগে যে, তেওঁৰ টকা হেৰাই যাব/চুৰ হৈ যাব বা কোনো প্ৰতাৰকে সেই টকা তুলি ল’ব।
• ধন প্ৰেৰকৰ বেংকত ইণ্টাৰনেট বেংকিং সুবিধা থাকিলে, সেই সুবিধা ব্যৱহাৰ কৰি ধন প্ৰেৰকে নিজৰ ঘৰ/কৰ্মস্থলতে বহি ধন প্ৰেৰণ কৰিব পাৰে।
• ট্ৰানজাকশ্বন চাৰ্জ আৰবিআই সীমিত কৰিছে।
• এই ট্ৰানজাকশ্বনত আইনৰ সহায়তা আছে।

Ans, Every company registered under Section 3 of the Companies Act 1956 seeking registration as NBFC-Factor shall have a minimum Net Owned Fund (NOF) of Rs. 5 crore. Existing companies seeking registration as NBFC-Factor but do not fulfil the NOF criterion of Rs. 5 crore may approach the Bank for time to comply with the requirement.

A link to ATS has been provided in the RBI website http://www.rbi.org.in.