Before a loan account of a MSME turns into a Non-Performing Asset (NPA), banks or creditors should identify incipient stress in the account by creating three sub-categories under the Special Mention Account (SMA) category as given in the Table below:

SMA Sub-categories	Basis for classification
SMA-0	Principal or interest payment not overdue for more than 30 days but account showing signs of incipient stress
SMA-1	Principal or interest payment overdue between 31-60 days
SMA-2	Principal or interest payment overdue between 61-90 days

જવાબ. પીપીઆઈ ધારક પાસે કોઈ પણ સમયે પીપીઆઈ બંધ કરવાનો અને બાકી બેલેન્સ કેવાયસીની આવશ્યકતાઓનું પાલન કર્યા પછી તેના/ તેણીના ‘પોતાના બેન્ક અકાઉન્ટ’માં બાકી બેલેન્સ ટ્રાન્સફર કરવાનો વિકલ્પ ધરાવે છે. ક્લોઝર પ્રાપ્તિઓ જે અકાઉન્ટમાં ટ્રાન્સફર કરવાની હોય તે આવા ટ્રાન્સફરને મંજૂરી આપવા પૂર્વે ‘પીપીઆઈ જારીકર્તા દ્વારા યોગ્ય વેરિફાઈ’ કરવા જોઈએ. પીપીઆઈ ધારકો ક્લોઝરના સમયે ભંડોળ ‘બેક ટુ સોર્સ’ (પીપીઆઈ જ્યાં લોડેડ થયું તે પેમેન્ટનો સ્રોત) પણ ટ્રાન્સફર કરી શકાય.

બૅન્કોએ કોઈ પણ ચાર્જીસ કે એટીએમ ડેબિટ કાર્ડ ઉપલબ્ધ કરાવવો જોઈએ અને આવાં કાર્ડ્સ પર કોઈ વાર્ષિક ચાર્જીસ વસૂલવા ન જોઈએ.

Ans : The Reserve Bank of India has deregulated the charges to be levied by sponsor banks from user institutions. The sponsor banks are, however, required to disclose the charges in a transparent manner. With effect from 1st July 2011, originating banks are required to pay a nominal charge of 25 paise per transaction to the Clearing house and destination bank respectively. Destination bank branches have been directed to afford ECS Credit free of charge to the beneficiary account holders.

ECS (DEBIT)

Use of the International Credit Cards (ICCs) / ATMs/ Debit Cards can be made for making personal payments like subscription to foreign journals, internet subscription, etc., and for travel abroad in connection with various purposes only to the extent of the limits specified above. However, the cards can be freely used in India. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted.

• Like other G-Secs, the day count for IIBs would 30/360.

GAH will be accessing the NDS OM Web Based Module over the internet. To prevent unauthorized access and to ensure non-repudiation, RBI has stipulated that a digital certificate has to be obtained for each GAH User from IDRBT. The digital certificate has to be installed in an e-token which provides the second layer of security. Before a GAH User is created by the PM, the PM has to ensure that the digital certificate and the e-token have been procured for the GAH User.

Ans: There is no restriction with respect to primary/ secondary market investments in specified securities under the on Tap TLTRO scheme.

The Reserve Bank of India has deregulated the charges to be levied by sponsor banks from user institutions. The sponsor banks are, however, required to disclose the charges in a transparent manner. With effect from 1st July 2011, originating banks are required to pay a nominal charge of 25 paise per transaction to the Clearing house and destination bank respectively. Destination bank branches have been directed to afford ECS Credit free of charge to the beneficiary account holders.

The Corporation has deposit insurance liability on liquidation etc. of "Insured banks" i.e. banks which have been de-registered (a) on account of prohibition on receiving fresh deposits or (b) on cancellation of license or it is found that license cannot be granted. The liability of the Corporation in these cases is limited to the extent of deposits as on the date of cancellation of registration of bank as an insured bank.

On liquidation etc. of other de-registered banks i.e. banks which have been de-registered on other grounds such as non payment of premium or their ceasing to be eligible co-operative banks under section 2(gg) of the DICGC Act, 1961, the Corporation will have no liability.

Notice: Information given above is to convey the basic provisions of the deposit insurance scheme of the Corporation. The information is of a non-technical nature and is not intended to be a legal interpretation of the deposit insurance scheme.