ಪ್ರಮುಖ ಕಂಟೆಂಟಿಗೆ ಸ್ಕಿಪ್ ಮಾಡಿ

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Micro, Small and Medium Enterprises

The provisions made in the above framework shall be applicable to MSMEs having loan limits up to Rs.25 crore, including accounts under consortium or multiple banking arrangement (MBA).

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
ಉತ್ತರ. ಪಿಪಿಐದಾರರು ಯಾವುದೇ ಸಮಯದಲ್ಲಿ ಪಿಪಿಐ ಅನ್ನು ಮುಕ್ತಾಯಗೊಳಿಸುವ ಹಾಗೂ ಕೆವೈಸಿ ಅಗತ್ಯತೆಗಳನ್ನು ಅನುಸರಿಸಿದ ನಂತರ ಅವನ/ಅವಳ ‘ಸ್ವಂತ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ’ ಬಾಕಿ ಇರುವ ಶಿಲ್ಕನ್ನು ವರ್ಗಾಯಿಸುವ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿರುತ್ತಾರೆ. ಮುಕ್ತಾಯಗೊಳಿಸುವ ಖಾತೆಯ ಆದಾಯವನ್ನು ವರ್ಗಾಯಿಸಲು ಅಂತಹ ವರ್ಗಾವಣೆಗೆ ಅವಕಾಶ ನೀಡುವ ಮೊದಲು ‘ಪಿಪಿಐ ನೀಡಿಕೆದಾರರಿಂದ ಸರಿಯಾಗಿ ಪರಿಶೀಲಿಸಬೇಕು. ಪಿಪಿಐದಾರರು ಮುಕ್ತಾಯಗೊಳಿಸುವ ಸಮಯದಲ್ಲಿ ‘ಮೂಲಕ್ಕೆ ಹಿಂದೆ’ [ಪಿಪಿಐ ಲೋಡ್ ಮಾಡಿದ ಸ್ಥಳದಿಂದ ಪಾವತಿಯ ಮೂಲಕ್ಕೆ] ಹಣವನ್ನು ವರ್ಗಾಣೆ ಮಾಡಬಹುದು.
ಬ್ಯಾಂಕುಗಳು ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡುಗಳನ್ನು ಉಚಿತವಾಗಿ ಕೊಡಬೇಕು ಮತ್ತು ಅಂತಹ ಕಾರ್ಡುಗಳಿಗೆ ವಾರ್ಷಿಕ ಶುಲ್ಕವನ್ನು ವಿಧಿಸಬಾರದು.

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.

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