ಪ್ರಮುಖ ಕಂಟೆಂಟಿಗೆ ಸ್ಕಿಪ್ ಮಾಡಿ

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Micro, Small and Medium Enterprises

Scheduled commercial banks have been advised in terms of our circular  RPCD.SME&NFS. BC.No.102/06.04.01/2008-09 dated May 4, 2009 to put in place a non -discretionary One Time Settlement scheme duly approved by their Boards. The banks have also been advised to give adequate publicity to their OTS policies.

ಉತ್ತರ. ಹೌದು, ಪ್ರತಿ ಪಿಪಿಐದಾರರಿಗೆ ಪ್ರತಿ ತಿಂಗಳಿಗೆ 10,000ದ ಮಿತಿಯೊಳಗೆ ‘ಕೆವೈಸಿ ಕಂಪ್ಲೈಂಟ್ ಪಿಪಿಐ’ನಿಂದ ಹಣ ವರ್ಗಾವಣೆಗೆ ಅವಖಾಶನೀಡಲಾಗುತ್ತದೆ. ಹೀಗಿದ್ದಾಗ್ಯೂ, ಪಿಪಿಐದಾರರು ಫಲಾನುಭವಿಯನ್ನು ‘ಮೊದಲೇ-ನೋಂದಾಯಿಸಿಕೊಂಡಿದ್ದರೆ’ ಪ್ರತಿ ಫಲಾನುಭವಿಗೆ ಪ್ರತಿ ತಿಂಗಳ 1,00,000/ವರೆಗೆ ವರ್ಧಿತ ಮಿತಿಯನ್ನು ಪಡೆಯಬಹುದು. ಆದಾಗ್ಯೂ, ಪಿಪಿಐ ನೀಡಿಕೆದಾರರು , ಪಿಪಿಐದಾರರ ರಿಸ್ಕ್ ಪ್ರೊಫೈಲ್,ಇತರ ಕಾರ್ಯಾಚರಣೆಯ ಅಪಾಯಗಳನ್ನು ಗಣನೆಗೆ ತೆಗೆದುಕೊಂಡ ನಂತರ ಕಡಿಮೆ ಮಿತಿಯನ್ನು ನಿಗದಿಪಡಿಸಬಹುದು.
ಗ್ರಾಹಕರು ಬಿಎಸ್ಬಿಡಿಎ ಖಾತೆಗಳನ್ನು ತೆರೆಯುವಾಗ ಬ್ಯಾಂಕುಗಳು ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್, ಎಟಿಎಮ್ ಪಿನ್ ಮತ್ತು ಅದರಲ್ಲಿರುವ ಅಪಾಯದ ಅಂಶಗಳ ಬಗ್ಗೆ ಗ್ರಾಹಕರಿಗೆ ಶಿಕ್ಷಣ ನೀಡಬೇಕು. ಆದರೆ ಒಂದು ವೇಳೆ ಗ್ರಾಹಕರಿಗೆ ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್ ಬೇಡವೆನಿಸಿದರೆ, ಅಂತಹ ಗ್ರಾಹಕರಿಗೆ ಬ್ಯಾಂಕುಗಳು ಬಲವಂತವಾಗಿ ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್ ನೀಡಬಾರದು. ಆದರೆ ಗ್ರಾಹಕರಿಗೆ ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್ ಬೇಕೆನಿಸಿದರೆ, ಬ್ಯಾಂಕುಗಳು ಬಿಎಸ್ಬಿಡಿಎ ತಮ್ಮ ಇತರ ಗ್ರಾಹಕರಿಗೆ ಎಟಿಎಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್ ಮತ್ತು ಪಿಐಎನ್ ತಲುಪಿಸುವ ಪದ್ಧತಿಯಲ್ಲೇ ಸುರಕ್ಷಿತ ಚನೆಲ್ಗಳ ಮೂಲಕ ಬಿಎಸ್ಬಿಡಿಎ ಖಾತೆದಾರರಿಗೆ ಅದನ್ನು ನೀಡಬೇಕು.

Ans : The advantages of ECS Debit to customers are many and include,

  • ECS Debit mandates will take care of automatic debit to customer accounts on the due dates without customers having to visit bank branches / collection centres of utility service providers etc.

  • Customers need not keep track of due date for payments.

  • The debits to customer accounts would be monitored by the ECS Users, and the customers alerted accordingly.

  • Cost effective.

A person coming into India from abroad can bring with him foreign exchange without any limit provided if foreign currency notes, or travellers cheques exceed US$ 10,000/- or its equivalent and/or the value of foreign currency exceeds US$ 5,000/- or its equivalent, it should be declared to the Customs Authorities at the Airport in the Currency Declaration Form (CDF), on arrival in India.
All OPRC values are modifiable intra-day, subject to relative modifications being applicable only on a prospective basis i.e., they will not impact in any manner trades already concluded prior to such modification request being received by NDS-OM Web. Every order input by any authorized GAH user shall be validated against each of the OPRC values on funding/trading limits given to individual GAH user set by the PM before routing orders to the NDS-OM. Any order that violates the values prescribed for the concerned GAH and/or individual GAH user would be rejected by NDS-OM Web. Orders that successfully pass through OPRC validations set for a GAH by its PM would travel to the NDS-OM system and would be eligible for being traded in the same manner as any other order on the NDS-OM system following requisite order matching rules, conventions and processes. As GAHs remain the constituents of the PM, the trades will seamlessly settle through the existing settlement infrastructure.

1 Section 3 - Dealing in foreign exchange, etc.- Save as otherwise provided in this Act, rules or regulations made thereunder, or with the general or special permission of the Reserve Bank, no person shall- (a) deal in or transfer any foreign exchange or foreign security to any person not being an authorized person.

Ans. Yes, the Reserve Bank is empowered to revoke the authorization granted by it, if the system provider contravenes any provisions of the Act or Regulations, fails to comply with its orders/ directions or violates the terms and conditions under which the authorization was granted to it (Section 8 of PSS Act 2007).
The advantages of ECS Debit to customers are many and include, ECS Debit mandates will take care of automatic debit to customer accounts on the due dates without customers having to visit bank branches / collection centres of utility service providers etc. Customers need not keep track of due date for payments. The debits to customer accounts would be monitored by the ECS Users, and the customers alerted accordingly. Cost effective.
A person coming into India from abroad can bring in with him Indian currency notes within the limits given below: a. upto Rs. 5,000 from any country other than Nepal or Bhutan, and b. any amount in denomination not exceeding Rs.100 from Nepal or Bhutan.

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