In terms of the Master Direction FIDD.MSME & NFS.12/06.02.31/2017-18 dated July 24, 2017, banks have been advised to review and tune their existing lending policies to the MSE sector by incorporating therein the following provisions so as to facilitate timely and adequate availability of credit to viable MSE borrowers especially during the need of funds in unforeseen circumstances:

i. To extend standby credit facility in case of term loans

ii. Additional working capital to meet with emergent needs of MSE units

iii. Mid-term review of the regular working capital limits, where banks are convinced that changes in the demand pattern of MSE borrowers require increasing the existing credit limits of the MSEs, every year based on the actual sales of the previous year.

iv. Timelines for Credit Decisions.

(Refer to the circular FIDD.MSME & NFS.BC.No.60/06.02.31/2015-16 dated August 27, 2015 for further information.)

Ans. In case of non-bank issued PPIs, cash withdrawal is permitted upto a limit of ₹ 2,000/- per transaction within an overall monthly limit of ₹ 10,000/- per PPI across all channels (agents, ATMs, PoS devices, etc.).

ಬಿಎಸ್ಬಿಡಿಎನಲ್ಲಿ ಬ್ಯಾಂಕುಗಳು ಎಟಿಎಮ್ ಮತ್ತು ಇತರ ಮಾಧ್ಯಮಗಳ ಮೂಲಕ ಕನಿಷ್ಠ 4 ವಿಥ್ಡ್ರಾವಲ್ಸ್ಗಳನ್ನು ಉಚಿತವಾಗಿ ನೀಡಬೇಕು. ನಾಲ್ಕಕ್ಕಿಂತ ಹೆಚ್ಚು ವಿಥ್ಡ್ರಾವಲ್ಸ್ ಉಂಟಾದರೆ ಅದನ್ನು ಉಚಿತವಾಗಿಸುವುದು ಅಥವಾ ಅದಕ್ಕೆ ಶುಲ್ಕ ವಿಧಿಸುವುದು ಬ್ಯಾಂಕುಗಳ ಇಚ್ಛೆಯ ಮೇರೆಗೆ ಇದೆ. ಆದರೆ ಶುಲ್ಕಪಟ್ಟಿಯು ಸಮಂಜಸವಾಗಿ, ತಾರತಮ್ಯರಹಿತವಾಗಿ ಹಾಗೂ ಪಾರದರ್ಶಕತೆಯಿಂದ ಕೂಡಿರಬೇಕು.

Ans : Yes. In case of any need to withdraw or stop a mandate the customer can do so by approaching the user institution to withdraw the mandate. The account holder / customer can also withdraw the mandate / debit instruction directly from his / her banker without involvement of the User institution. The withdrawal instructions of a customer in such cases would be treated equivalent to a ‘stop payment’ instruction in cheque clearing system. However, as a matter of best practice, the customer may also provide prior notice or intimation of mandate withdrawal to the ECS user institution well in time, so as to ensure that the input files submitted by the user institution does not include the ECS Debit details in respect of the withdrawn / stopped mandates, leading to avoidable returns/rejections etc.

Taking personal jewellery out of India is governed by Baggage Rules framed under Export-Import Policy by the Government of India.

Since the orders placed on present application merges with main NDS-OM, the trade segment are as same as normal NDS-OM i.e. Standard market and Odd Lot Market. The Lot size for the Standard Market is minimum Rs.5 crore and in multiples of Rs. 5 crore. In the Odd Lot segment the minimum lot size is Rs.10,000 for Central and State Government Securities and Rs.25,000 for Treasury Bills. Presently GAH are not permitted to participate in the When Issued Market. GAH are also not permitted to short sale in government securities market.

• Like fixed rate G-Secs, IIBs would be underwritten by the primary dealers.

Residents are free to carry the foreign exchange purchased from an authorised dealer or money changer in accordance with the Rules. In addition, they can also carry up to USD 2,000, or higher amounts representing the unutilized balance of a previous trip, if already held by them (see item13 above) in accordance with the Regulations.

Ans: Complaints can be filed online on https://cms.rbi.org.in, or through the dedicated e-mail or sent in physical mode to the ‘Centralised Receipt and Processing Centre’ set up at RBI, 4th Floor, Sector 17, Chandigarh – 160 017 in the format given at the following path - /documents/87730/39016390/RBIOS2021_121121_A.pdf. A toll-free number – 14448 (9:30 am to 5:15 pm) – is also available for customers to seek assistance in filing complaints and information on grievance redressal, with multi-lingual support.

With the issuance and launch of the New Generation banknotes, Central Bank of Kenya has advised that in terms of Gazette Notice No. 4849 dated May 31, 2019 from Central Bank of Kenya available at: (http://kenyalaw.org/kenya_gazette/gazette/volume/MTk2Mg--/Vol.CXXI-No.69), and the Press Release dated June 6, 2019 available at: (https://www.centralbank.go.ke/uploads/press_releases/696932423_Press%20Release%20-%20New%20Generation%20Banknotes.pdf), all the currency notes of denomination ‘1000 shillings (Ksh)’ shall cease to be legal tender, and shall no longer be exchanged, with effect from October 1, 2019.

(Published on receipt of request from Central Bank of Kenya)