FAQ Page 1 - ಆರ್ಬಿಐ - Reserve Bank of India
Annual Return on Foreign Liabilities and Assets (FLA) under FEMA 1999
Procedure for submission of the FLA return
Ans: You will receive the system-generated acknowledgement of FLA data submitted by you at the time of final submission itself. No separate mail will be sent in this regard.
External Commercial Borrowings (ECB) and Trade Credits
F. LEVERAGE CRITERIA AND BORROWING LIMIT
Coordinated Portfolio Investment Survey – India
Some important definitions and concepts
Ans: The following are not included under equity securities:
-
Equity securities issued by a nonresident enterprise that is related to the resident owner of those securities should be excluded from this survey.
-
Non-participating preference shares.
-
Securities acquired under reverse repos.
-
Securities acquired under borrowing arrangements.
Business restrictions imposed on Paytm Payments Bank Limited vide Press Releases dated January 31 and February 16, 2024
National Common Mobility Card (NCMC) issued by Paytm Payments Bank
External Commercial Borrowings (ECB) and Trade Credits
F. LEVERAGE CRITERIA AND BORROWING LIMIT
Retail Direct Scheme
Know Your Customer (KYC) related queries
Domestic Deposits
II. Deposits of Non-Residents Indians (NRIs)
Housing Loans
REVERSE MORTGAGE LOAN
EXAMPLE OF EMI CALCULATION (PURE FIXED LOAN)
|
Amount of Loan |
1,000,000.00 |
|
|
|
Annual Interest Rate |
15.00% |
|
|
|
Number of Payments |
120 |
|
|
|
Monthly Payment |
16,133.50 |
|
|
Number |
Payment |
Interest |
Principal |
Balance |
0 |
|
|
|
1,000,000.00 |
1 |
16,133.50 |
12,500.00 |
3,633.50 |
996,366.50 |
2 |
16,133.50 |
12,454.58 |
3,678.91 |
992,687.59 |
3 |
16,133.50 |
12,408.59 |
3,724.90 |
988,962.69 |
4 |
16,133.50 |
12,362.03 |
3,771.46 |
985,191.23 |
5 |
16,133.50 |
12,314.89 |
3,818.61 |
981,372.62 |
6 |
16,133.50 |
12,267.16 |
3,866.34 |
977,506.28 |
7 |
16,133.50 |
12,218.83 |
3,914.67 |
973,591.62 |
8 |
16,133.50 |
12,169.90 |
3,963.60 |
969,628.02 |
9 |
16,133.50 |
12,120.35 |
4,013.15 |
965,614.87 |
10 |
16,133.50 |
12,070.19 |
4,063.31 |
961,551.56 |
11 |
16,133.50 |
12,019.39 |
4,114.10 |
957,437.46 |
12 |
16,133.50 |
11,967.97 |
4,165.53 |
953,271.93 |
13 |
16,133.50 |
11,915.90 |
4,217.60 |
949,054.34 |
14 |
16,133.50 |
11,863.18 |
4,270.32 |
944,784.02 |
15 |
16,133.50 |
11,809.80 |
4,323.70 |
940,460.32 |
16 |
16,133.50 |
11,755.75 |
4,377.74 |
936,082.58 |
17 |
16,133.50 |
11,701.03 |
4,432.46 |
931,650.12 |
18 |
16,133.50 |
11,645.63 |
4,487.87 |
927,162.25 |
19 |
16,133.50 |
11,589.53 |
4,543.97 |
922,618.28 |
20 |
16,133.50 |
11,532.73 |
4,600.77 |
918,017.51 |
21 |
16,133.50 |
11,475.22 |
4,658.28 |
913,359.24 |
22 |
16,133.50 |
11,416.99 |
4,716.51 |
908,642.73 |
23 |
16,133.50 |
11,358.03 |
4,775.46 |
903,867.27 |
24 |
16,133.50 |
11,298.34 |
4,835.15 |
899,032.12 |
25 |
16,133.50 |
11,237.90 |
4,895.59 |
894,136.52 |
26 |
16,133.50 |
11,176.71 |
4,956.79 |
889,179.73 |
27 |
16,133.50 |
11,114.75 |
5,018.75 |
884,160.98 |
28 |
16,133.50 |
11,052.01 |
5,081.48 |
879,079.50 |
29 |
16,133.50 |
10,988.49 |
5,145.00 |
873,934.50 |
30 |
16,133.50 |
10,924.18 |
5,209.31 |
868,725.18 |
31 |
16,133.50 |
10,859.06 |
5,274.43 |
863,450.75 |
32 |
16,133.50 |
10,793.13 |
5,340.36 |
858,110.39 |
33 |
16,133.50 |
10,726.38 |
5,407.12 |
852,703.28 |
34 |
16,133.50 |
10,658.79 |
5,474.70 |
847,228.57 |
35 |
16,133.50 |
10,590.36 |
5,543.14 |
841,685.43 |
36 |
16,133.50 |
10,521.07 |
5,612.43 |
836,073.00 |
37 |
16,133.50 |
10,450.91 |
5,682.58 |
830,390.42 |
38 |
16,133.50 |
10,379.88 |
5,753.62 |
824,636.81 |
39 |
16,133.50 |
10,307.96 |
5,825.54 |
818,811.27 |
40 |
16,133.50 |
10,235.14 |
5,898.35 |
812,912.92 |
41 |
16,133.50 |
10,161.41 |
5,972.08 |
806,940.83 |
42 |
16,133.50 |
10,086.76 |
6,046.74 |
800,894.10 |
43 |
16,133.50 |
10,011.18 |
6,122.32 |
794,771.78 |
44 |
16,133.50 |
9,934.65 |
6,198.85 |
788,572.93 |
45 |
16,133.50 |
9,857.16 |
6,276.33 |
782,296.59 |
46 |
16,133.50 |
9,778.71 |
6,354.79 |
775,941.81 |
47 |
16,133.50 |
9,699.27 |
6,434.22 |
769,507.58 |
48 |
16,133.50 |
9,618.84 |
6,514.65 |
762,992.93 |
49 |
16,133.50 |
9,537.41 |
6,596.08 |
756,396.85 |
50 |
16,133.50 |
9,454.96 |
6,678.54 |
749,718.31 |
51 |
16,133.50 |
9,371.48 |
6,762.02 |
742,956.30 |
52 |
16,133.50 |
9,286.95 |
6,846.54 |
736,109.75 |
53 |
16,133.50 |
9,201.37 |
6,932.12 |
729,177.63 |
54 |
16,133.50 |
9,114.72 |
7,018.78 |
722,158.85 |
55 |
16,133.50 |
9,026.99 |
7,106.51 |
715,052.34 |
56 |
16,133.50 |
8,938.15 |
7,195.34 |
707,857.00 |
57 |
16,133.50 |
8,848.21 |
7,285.28 |
700,571.72 |
58 |
16,133.50 |
8,757.15 |
7,376.35 |
693,195.37 |
59 |
16,133.50 |
8,664.94 |
7,468.55 |
685,726.82 |
60 |
16,133.50 |
8,571.59 |
7,561.91 |
678,164.91 |
61 |
16,133.50 |
8,477.06 |
7,656.43 |
670,508.47 |
62 |
16,133.50 |
8,381.36 |
7,752.14 |
662,756.33 |
63 |
16,133.50 |
8,284.45 |
7,849.04 |
654,907.29 |
64 |
16,133.50 |
8,186.34 |
7,947.15 |
646,960.14 |
65 |
16,133.50 |
8,087.00 |
8,046.49 |
638,913.64 |
66 |
16,133.50 |
7,986.42 |
8,147.08 |
630,766.57 |
67 |
16,133.50 |
7,884.58 |
8,248.91 |
622,517.65 |
68 |
16,133.50 |
7,781.47 |
8,352.03 |
614,165.63 |
69 |
16,133.50 |
7,677.07 |
8,456.43 |
605,709.20 |
70 |
16,133.50 |
7,571.37 |
8,562.13 |
597,147.07 |
71 |
16,133.50 |
7,464.34 |
8,669.16 |
588,477.91 |
72 |
16,133.50 |
7,355.97 |
8,777.52 |
579,700.39 |
73 |
16,133.50 |
7,246.25 |
8,887.24 |
570,813.15 |
74 |
16,133.50 |
7,135.16 |
8,998.33 |
561,814.82 |
75 |
16,133.50 |
7,022.69 |
9,110.81 |
552,704.01 |
76 |
16,133.50 |
6,908.80 |
9,224.70 |
543,479.31 |
77 |
16,133.50 |
6,793.49 |
9,340.00 |
534,139.31 |
78 |
16,133.50 |
6,676.74 |
9,456.75 |
524,682.56 |
79 |
16,133.50 |
6,558.53 |
9,574.96 |
515,107.59 |
80 |
16,133.50 |
6,438.84 |
9,694.65 |
505,412.94 |
81 |
16,133.50 |
6,317.66 |
9,815.83 |
495,597.11 |
82 |
16,133.50 |
6,194.96 |
9,938.53 |
485,658.58 |
83 |
16,133.50 |
6,070.73 |
10,062.76 |
475,595.81 |
84 |
16,133.50 |
5,944.95 |
10,188.55 |
465,407.26 |
85 |
16,133.50 |
5,817.59 |
10,315.90 |
455,091.36 |
86 |
16,133.50 |
5,688.64 |
10,444.85 |
444,646.51 |
87 |
16,133.50 |
5,558.08 |
10,575.41 |
434,071.09 |
88 |
16,133.50 |
5,425.89 |
10,707.61 |
423,363.48 |
89 |
16,133.50 |
5,292.04 |
10,841.45 |
412,522.03 |
90 |
16,133.50 |
5,156.53 |
10,976.97 |
401,545.06 |
91 |
16,133.50 |
5,019.31 |
11,114.18 |
390,430.88 |
92 |
16,133.50 |
4,880.39 |
11,253.11 |
379,177.77 |
93 |
16,133.50 |
4,739.72 |
11,393.77 |
367,784.00 |
94 |
16,133.50 |
4,597.30 |
11,536.20 |
356,247.80 |
95 |
16,133.50 |
4,453.10 |
11,680.40 |
344,567.40 |
96 |
16,133.50 |
4,307.09 |
11,826.40 |
332,741.00 |
97 |
16,133.50 |
4,159.26 |
11,974.23 |
320,766.77 |
98 |
16,133.50 |
4,009.58 |
12,123.91 |
308,642.85 |
99 |
16,133.50 |
3,858.04 |
12,275.46 |
296,367.39 |
100 |
16,133.50 |
3,704.59 |
12,428.90 |
283,938.49 |
101 |
16,133.50 |
3,549.23 |
12,584.26 |
271,354.23 |
102 |
16,133.50 |
3,391.93 |
12,741.57 |
258,612.66 |
103 |
16,133.50 |
3,232.66 |
12,900.84 |
245,711.82 |
104 |
16,133.50 |
3,071.40 |
13,062.10 |
232,649.72 |
105 |
16,133.50 |
2,908.12 |
13,225.37 |
219,424.35 |
106 |
16,133.50 |
2,742.80 |
13,390.69 |
206,033.66 |
107 |
16,133.50 |
2,575.42 |
13,558.07 |
192,475.58 |
108 |
16,133.50 |
2,405.94 |
13,727.55 |
178,748.03 |
109 |
16,133.50 |
2,234.35 |
13,899.15 |
164,848.89 |
110 |
16,133.50 |
2,060.61 |
14,072.88 |
150,776.00 |
111 |
16,133.50 |
1,884.70 |
14,248.80 |
136,527.21 |
112 |
16,133.50 |
1,706.59 |
14,426.91 |
122,100.30 |
113 |
16,133.50 |
1,526.25 |
14,607.24 |
107,493.06 |
114 |
16,133.50 |
1,343.66 |
14,789.83 |
92,703.23 |
115 |
16,133.50 |
1,158.79 |
14,974.71 |
77,728.52 |
116 |
16,133.50 |
971.61 |
15,161.89 |
62,566.63 |
117 |
16,133.50 |
782.08 |
15,351.41 |
47,215.22 |
118 |
16,133.50 |
590.19 |
15,543.31 |
31,671.91 |
119 |
16,133.50 |
395.90 |
15,737.60 |
15,934.32 |
120 |
16,133.50 |
199.18 |
15,934.32 |
0.00 |
Loan amount x rpm x (1+pm)
(1+pm)
- rpm= interest per month (rate of interest per year/12)
- n= number of installments
NB: If you have a fixed budget towards EMI you can arrive at loan amount by changing the other variables such as by reducing the rate of interest or by increasing the tenure of loan. This can also be arrived at through EMI calculator by a trial-and-error approach.
Indian Currency
B) Banknotes
The volume and value of banknotes to be printed in a year depends on various factors such as (i) the expected increase in Notes in Circulation (NIC) to meet the growing needs of the public and (ii) the need for replacing soiled/mutilated notes so as to ensure that only good quality notes are in circulation. The expected increase in NIC is estimated using statistical models which consider macro-economic factors such as expected growth in GDP, inflation, interest rates, growth in non-cash modes of payment etc. The replacement requirement depends on the volume of notes already in circulation and the average life of banknotes. The Reserve Bank estimates the volume and value of notes to be printed in a year based on the above factors as well as feedback received from its own Regional Offices and banks regarding expected demand for cash and finalises the same in consultation with the Government of India and the printing presses.
Core Investment Companies
Core Investment Companies (CICs)
Ans: No, CICs/ CICs-ND-SI cannot accept deposits. That is one of the eligibility criteria.