જવાબ. હા, પીપીઆઈમાં રોકડ લોડિંગ કરવાની મર્યાદા પીપીઆઈની એકંદર મર્યાદાને આધીન મહિને રૂ. 50,000/- છે. ઈલેક્ટ્રોનિક/ ઓનલાઈન માધ્યમથી પીપીઆઈમાં લોડિંગની મર્યાદા પીપીઆઈની એકંદર મર્યાદાને આધીન છે.

તારીખ 16 મી ડિસેમ્બર 2010 ના રોજ મુજબના ભારત સરકારના જાહેરનામા મુજબ બીએસબીડીએ – નાનાં ખાતાં નિમ્નલિખિત શરતોને આધીન રહેશે.

1. આવા ખાતાઓમાં કુલ ક્રેડિટ એક વર્ષમાં એક લાખ રૂપિયા કરતાં વધુ ન હોય.
2. ખાતામાં મહત્તમ બૅલેન્સ કદી પણ પચાસ હજાર રૂપિયાથી વધુ ન હોવું જોઈએ.
3. કોઈ મહિનામાં રોકડ ઉપાડ અને ટ્રાન્સફર્સના રૂપમાં કુલ ડેબિટ્સ દસ હજાર રૂપિયાથી વધુ ન હોવી જોઈએ.
4. સામાન્ય કેવાયસી ઔપચારિકતાઓ પૂરી કર્યા વગર વિદેશી રેમિટન્સીસ નાના ખાતા માટે જમા (ક્રેડિટ) નહીં કરી શકાય.
5. નાના ખાતાં શરૂઆતમાં 12 મહિનાની મુદત માટે માન્ય હોય છે. જેને જો વ્યક્તિ સત્તાવાર રીતે માન્ય દસ્તાવેજ માટે અરજી કરવાના પુરાવા તરીકે રજુ કરે તો બીજા 12 મહિના માટે લંબાવી શકાય.
6. નાનાં ખાતાં બૅન્કોની માત્ર સીબીએસ સાથે સંકળાયેલી શાખાઓમાં જ અથવા એવી શાખાઓમાં ખોલી શકાય છે જ્યાં શરતોને પાળવાની વ્યક્તિ. દ્વારા (મૅન્યુઅલી ) તપાસ શક્ય છે.

Ans : It is the responsibility of the user institution to communicate to the beneficiary the details of credit that is being afforded to his / her account, indicating the proposed date of credit, amount and related particulars of the payment. Destination banks have been advised to ensure that the pass books / statements given to the beneficiary account holders reflect particulars of the transaction / credit provided by the ECS user institutions. The beneficiaries can match the entries in the passbook / account statement with the advice received by them from the User Institutions. Many banks also give mobile alerts / messages to customers after credit of such funds to accounts.

• IIBs would be Government securities (G-Sec) and the different classes of investors eligible to invest in G-Secs would also be eligible to invest in IIBs.

• FIIs would be eligible to invest in the forthcoming IIBs but subject to the overall cap for their investment in G-Secs (currently USD 25 billion).

The system is owned by RBI. There are no charges for use of this application by clients. However, since all trades are to be guaranteed and settled by CCIL, PMs will have to pay settlement charges and also continue to deposit adequate margin on behalf of their clients to CCIL.

Ans : IDF-NBFCs will raise resources through issue of either Rupee or Dollar denominated bonds of minimum 5 year maturity. IDF-MFs will raise resources through issue of units of MFs.

The total time for complete implementation of ADF would depend on the cluster in which the bank places itself after making an assessment of Process and Technology maturity as per the methodology given in the Approach Paper. However, it is expected that the banks with advanced IT systems and experience of working in computerised environment would take the lead and implement ADF in shortest possible time, say, even 2-3 months. In general, banks should strive to meet the objectives within shortest possible timelines.

It is the responsibility of the user institution to communicate to the beneficiary the details of credit that is being afforded to his / her account, indicating the proposed date of credit, amount and related particulars of the payment. Destination banks have been advised to ensure that the pass books / statements given to the beneficiary account holders reflect particulars of the transaction / credit provided by the ECS user institutions. The beneficiaries can match the entries in the passbook / account statement with the advice received by them from the User Institutions. Many banks also give mobile alerts / messages to customers after credit of such funds to accounts.

Yes. Banks have the right to set off their dues from the amount of deposits as on cut off date. The deposit insurance is available after netting of such dues.

Ans. Yes. Except the transactions mentioned at Q.10 above. However, trade transactions with Myanmar may be settled in any freely convertible currency, in addition to the ACU mechanism. Further, with effect from July 1, 2016, all eligible current account transactions including trade transactions in “Euro” are permitted to be settled outside the ACU mechanism till further notice.