Answer: Balance in SRVA is like foreign exchange inflow converted into INR, hence balance can be used for any permissible current and capital account transaction under the present FEMA framework.

Ans: Reasonable one-time processing fee can be retained if the customer exits the loan during cooling-off period. This, if applicable, should be disclosed to the customer upfront in KFS. However, the processing fee has to be mandatorily included for the computation of APR.

Ans. In case of non-payment of the amount indicated in the compounding order within 15 days of the order, it will be treated as if the applicant has not made any compounding application to the Reserve Bank and the other provisions of FEMA, 1999 regarding contraventions will apply. Such cases will be referred to the DoE for necessary action.

Ans.: Yes, the number of employee information should be reported as on end - March of the reference year.

A complaint can be filed through any of the following methods:

1. Online - on CMS portal of RBI at https://cms.rbi.org.in.

2. Physical complaint (letter/post) in the form as specified in Annexure ‘A’ in the Scheme to “Centralised Receipt and Processing Centre, 4th Floor, Reserve Bank of India, Sector -17, Central Vista, Chandigarh - 160017”.

3. Complaints with full details (please refer to Question 17 below) can be sent by email (crpc@rbi.org.in).

Ans. Yes, the RE is required to obtain customer’s explicit consent to use his/ her KYC Identifier for downloading KYC records from CKYCR for the purposes mentioned in reply to Q. 14 and 15.

Ans: Given the cash-like features of e₹, there is no interest payable on the wallet balances.

No. The prescribed instructions on penal charges are not applicable in case of rupee/ foreign currency export credit and other foreign currency loans.

ಉತ್ತರ. ಹೌದು , ಎಟಿಎಮ್‌ಗಳಲ್ಲಿ ಕಡ್ಡಾಯಗೊಳಿಸಿರುವ ಉಚಿತ ಸಂಖ್ಯೆಯ ವಹಿವಾಟುಗಳ [ಮೇಲಿನ ಪ್ರಶ್ನೆ 11ರಲ್ಲಿ ಸೂಚಿಸಿದಂತೆ] ಮೇಲ್ಪಟ್ಟ ವಹಿವಾಟುಗಳಿಗಾಗಿ ಗ್ರಾಹಕರಿಗೆ ಶುಲ್ಕವನ್ನು ವಿಧಿಸಬಹುದು. ಹೀಗಿದ್ದಾಗ್ಯೂ, ಪ್ರಸ್ತುತದಲ್ಲಿ, ಈ ಶುಲ್ಕಗಳು ಅವನ/ಆವಳ ಬ್ಯಾಂಕಿನಿಂದ ಪ್ರತಿ ವಹಿವಾಟಿಗೆ [ಮತ್ತು ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಗಳು, ಯಾವುದಾದರೂ ಇದ್ದರೆ] ಗರಿಷ್ಠ ರೂ.20/ನ್ನು ಮೀರಬಾರದು

Response: The jewellery will be melted by the CPTC/GMCTAs to conduct the fire assay and the customer can then get back gold only in post-melted form. Thus, the decision regarding taking back jewellery in the original form must be taken by the customer after XRF test and before giving consent for fire-assaying.