ಉತ್ತರ. ಪಿಪಿಐನೀಡಿಕೆದಾರರು ಬ್ಯಾಂಕ್ ಖಾತೆಯು ಪಿಪಿಐದಾರರಿಗೆ ಸಂಬಂಧಿಸಿದೆ ಎಂದು ಪರಿಶೀಲಿಸುವದಕ್ಕಾಗಿ ಜವಾಬ್ದಾರಿಯನ್ನುಹೊಂದಿದ್ದು ಅದಕ್ಕಾಗಿ ಸೂಕ್ತವಾದ ಪರಿಶೀಲನಾ ವಿಧಾನಗಳನ್ನು ರೂಪಿಸಬಹುದು .

ಬಿಎಸ್ಬಿಡಿಎ ಖಾತೆ ತೆರೆಯುವಾಗ ಗ್ರಾಹಕರು ಲಿಖಿತ ಮೂಲಕ ವಿನಂತಿಸಿದರೆ ಎಟಿಎಮ್ ಕಾರ್ಡ್ಗಳನ್ನು ನೀಡಬಹುದು. ಬ್ಯಾಂಕುಗಳು ಎಟಿಎಮ್ ಕಾರ್ಡ್ಗಳನ್ನು ಬಲವಂತವಾಗಿ ಅಂತಹ ಗ್ರಾಹಕರಿಗೆ ನೀಡುವಂತಿಲ್ಲ.

Ans : The ECS Debit User intending to collect receivables through ECS Debit has to submit details of the customers (like name, bank / branch / account number of the customer, MICR code of the destination bank branch, etc.), date on which the customer’s account is to be debited, etc., in a specified format (called the input file) through its sponsor bank to the ECS Centre.

The bank managing the ECS Centre then passes on the debits to the destination banks for onward debit to the customer’s account with the destination bank branch and credits the sponsor bank's account for onward credit to the User institution. Destination bank branches will treat the electronic instructions received from the ECS Centre on par with the physical cheques and accordingly debit the customer accounts maintained with them. All the unsuccessful debits are returned to the sponsor bank through the ECS Centre (for onward return to the User Institution) within the specified time frame.

For further details about the ECS Debit scheme, the ECS Debit Procedural Guidelines – available on the website of Reserve Bank of India at http://www.rbi.org.in/Scripts/ECSUserView.aspx?Id=25 may be referred to.

A person going out of India can take out with him Indian currency notes within the limits given below: a. upto Rs.5000 to any country other than Nepal or Bhutan, and b. any amount in denomination not exceeding Rs.100 to Nepal or Bhutan.

Ans. Yes, the Reserve Bank can refuse to grant authorization under the PSS Act, 2007. However, the Reserve Bank has to give a written notice to such an applicant giving the reasons for refusal and also a reasonable opportunity of being heard {Section 7 (3) of the PSS Act 2007}.

The appellate authority may:Dismiss the appeal; or,Allow the appeal and set aside the Award; or,Remand the matter to the Ombudsman for fresh disposal in accordance with such directions as the Appellate Authority may consider necessary or proper; or,Modify the Award and pass such directions as may be necessary to give effect to the Award so modified; or,Pass any other order as it may deem fit.

The transfer of securities to the clients should be completed within five working days from the date of the auction. This is the responsibility of the aggregator or facilitator.

Ans : The ECS Debit User intending to collect receivables through ECS Debit has to submit details of the customers (like name, bank / branch / account number of the customer, MICR code of the destination bank branch, etc.), date on which the customer’s account is to be debited, etc., in a specified format (called the input file) through its sponsor bank to the ECS Centre.

The bank managing the ECS Centre then passes on the debits to the destination banks for onward debit to the customer’s account with the destination bank branch and credits the sponsor bank's account for onward credit to the User institution. Destination bank branches will treat the electronic instructions received from the ECS Centre on par with the physical cheques and accordingly debit the customer accounts maintained with them. All the unsuccessful debits are returned to the sponsor bank through the ECS Centre (for onward return to the User Institution) within the specified time frame.

For further details about the ECS Debit scheme, the ECS Debit Procedural Guidelines – available on the website of Reserve Bank of India at http://www.rbi.org.in/Scripts/ECSUserView.aspx?Id=25 may be referred to.

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. Your entitlement of foreign exchange on International Credit Cards (ICCs) is limited by the credit limit fixed by the card issuing authority only. With ICCs you can i) meet expenses/make purchases while abroad ii) make payments in foreign exchange for purchase of books and other items through internet in India. If you have a foreign currency account in India or with a bank overseas, you can even obtain ICCs of overseas banks and reputed agencies. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted.

Ans: If it is not possible to afford credit to the account of the beneficiary for any reason, destination banks are required to return the transaction (to the originating branch) within two hours of completion of the batch in which the transaction was processed.