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Clarifications to Queries on Guidelines for Licensing of New Banks in the Private Sector

A. The percentage holding of the NOFHC/bank will be computed with reference to the date of the investment.
उत्तर. ऐसे मामलों में 'प्रति लेनदेन ग्राहक दायित्व' गैर-बैंक पीपीआई जारीकर्ता से ग्राहक द्वारा लेनदेन सूचना की प्राप्ति और गैर-बैंक पीपीआई जारीकर्ता को ग्राहक द्वारा अनधिकृत लेनदेन की रिपोर्टिंग के बीच व्यतीत दिनों की संख्या पर निर्भर करेगा। यदि जारीकर्ता को सूचना प्राप्त होने के तीन दिनों के भीतर सूचित किया जाता है, तो ग्राहक की देयता शून्य होगी। इसी तरह, सूचना प्राप्त होने के चार से सात दिनों के बीच रिपोर्ट किए गए ऐसे किसी भी लेनदेन के लिए, ग्राहक की देयता अधिकतम ₹10,000/ तक सीमित होगी। सात दिनों के बाद की गई रिपोर्टिंग वाले मामलों में गैर-बैंक पीपीआई जारीकर्ता की बोर्ड द्वारा अनुमोदित नीति के अनुसार कार्रवाई की जाएगी।
A. As per Para 2 C (vii) of the guidelines, only the regulated financial sector entities in which a Promoter Group has ‘significant influence’ or ‘control’ (as defined in Accounting Standard 23) will be held under the NOFHC. Thus, the NOFHC does not need to wholly own the regulated financial services entities and direct participation in such entities by non-Promoter Group individuals/ companies is permitted. The pattern of shareholding and the capital requirements in the regulated financial services entities held by the NOFHC shall be as prescribed by the respective sectoral regulators. The FDI limits in such entities would be as per extant FDI policy of the Government of India/ Notifications issued under FEMA. As regards the bank, the foreign shareholding would be as per para 2 (F) of the guidelines.

Ans. The number of days mentioned above shall be counted after excluding the date of receiving the communication from the non-bank PPI issuer.

A. The bank as well as the other financial services entities in which the Promoter Group has ‘significant influence’ or ‘control’ (as defined in Accounting Standard 23) and that are regulated by RBI or other financial sector regulators will have to be necessarily held under the NOFHC. If any financial service is not regulated by RBI or any of the other financial sector regulators, any entity in the Promoter Group providing such service, cannot come under the NOFHC. The Promoter Group will not be required to divest its holdings in such entities. [para 2 (C) (iii) of the guidelines]

उत्तर. ऐसे मामलों में जहां नुकसान ग्राहक की लापरवाही के कारण होता है, जैसे कि उसने भुगतान संबंधी जानकारी साझा किया है, ग्राहक पूरे नुकसान को तब तक वहन करेगा जब तक कि वह गैर-बैंक पीपीआई जारीकर्ता को अनधिकृत लेनदेन की रिपोर्ट नहीं करता।

A. If a Promoter Group entity rendering outsourced services is regulated by any of the financial sector regulators, it would come under the NOFHC. If the said entity is not regulated by any of the financial sector regulators, it cannot come under the NOFHC. The position remains the same irrespective of whether the outsourced services are provided to the regulated financial services entities of the group or to other group entities, including non financial services entities or to non-group entities. [para 2 (C) (vii) of the guidelines]

Ans. Any loss occurring after reporting of the unauthorised transaction shall be borne by the non-bank PPI issuer.

Para 2(C)(iii) of the guidelines provide that only non-financial services companies/entities and non-operative financial holding company in the Group and individuals belonging to Promoter Group will be allowed to hold shares in the NOFHC. Accordingly, a non-operative financial holding company though regulated by RBI will remain outside NOFHC. NBFC (Investment Companies) which hold/deal in equity shares of Promoter Group Companies cannot be under the NOFHC because, in terms of para 2 (I) (IV) (a) of the Guidelines, the financial entities held by NOFHC shall not have any credit and investment (including investments in the equity/debt capital instruments) exposure to the Promoters/Promoter Group entities or individuals associated with the Promoter Group or the NOFHC. Therefore, NBFC (Investment Companies), which would include CICs and other non-operative holding companies, would remain outside NOFHC. However, if there are investments in voting equity shares of regulated financial sector entities in which the Group has significant influence or control, such entities will have to be brought under the NOFHC. ‘Investment Company’ as defined under para 2(I)(vi) of the Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Direction, 1998, means any company which is a financial institution carrying on, as its principal business, the acquisition of securities.

Ans. The non-bank PPI issuer shall credit (notional reversal / shadow reversal) the amount involved in the unauthorised electronic payment transaction to the customer’s PPI within 10 days from the date of such notification by the customer. Such reversal has to be effected even if it breaches the maximum permissible limit applicable to that type / category of PPI. The credit shall be value-dated to be as of the date of the unauthorised transaction.

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