उत्तर: म्युचुअल फंड कंपनियां प्रत्येक वर्ष 15 जुलाई या उससे पहले प्रश्नावली-4 (Excel प्रारूप) के माध्यम से अपनी प्रतिक्रिया प्रस्तुत कर सकती हैं।

Ans: No. Even if a company’s account closing period is different from reference period (end-March), the ITES survey information should be reported for the survey reference period, based on the company’s internal assessment.

In case of any specific complaint against any bank relating to deficiency in service pertaining to education loan, the same can be filed with the bank concerned. If there is no response to the complaint within one month or non-satisfactory response from the bank, the complaint may be filed under ‘The Reserve Bank - Integrated Ombudsman Scheme, 2021’. Complaints can be filed online through Complaint Management System (CMS) portal of the RBI, at https://cms.rbi.org.in. Complaints can also be filed through the dedicated e-mail or sent in physical mode to the ‘Centralised Receipt and Processing Centre’ set up at Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017, as per the Format provided in the Scheme.

Ans: In terms of revised Master Directions, banks are not required to submit such certificates / Flash Reports to RBI.

ಉತ್ತರ. ಎಎಟಿಎಮ್ /ಎಟಿಎಮ್ ಕಮ್ ಡೆಬಿಟ್ ಕಾರ್ಡ್ಗಳು,ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ಗಳು ಹಾಗೂ ಪ್ರಿಪೇಯ್ಡ್ ಕಾರ್ಡ್ಗಳನ್ನು , ನೀಡಿಕೆದಾರರು ಅನುಮತಿಸಿದಂತೆ ,ವಿವಿಧ ವಹಿವಾಟುಗಳಿಗಾಗಿ ಎಟಿಎಮ್ಗಳು /ಡಬ್ಲ್ಯೂಎಲ್ಎಗಳಲ್ಲಿ ಬಳಸಬಹುದು .

Ans. In case a customer does not possess an OVD, he can still open a ‘Small Account’ with a bank. For the purpose, the bank shall obtain a self-attested photograph from the customer and the designated officer of the bank certifies under his signature that the person opening the account has affixed his signature or thumb impression in his presence. The Small Account shall remain operational initially for a period of twelve months and is subject to conditions as given under paragraph 23 of the Master Direction on KYC.

Ans. Provisions related to penalty are contained in paragraph 15 of these Directions. The detailed procedure for premature withdrawal including partial premature withdrawal are determined by the banks in terms of their comprehensive Board approved policy.

The initiative involves collaboration between multiple regulators:

• Reserve Bank of India (RBI) – for banking and payment systems

• Securities and Exchange Board of India (SEBI) – for securities markets

• Insurance Regulatory and Development Authority of India (IRDAI) – for insurance products

• Pension Fund Regulatory and Development Authority (PFRDA) – for pension-related innovations (although PFRDA does not have a separate regulatory sandbox but is a part of the Inter-operable Regulatory Sandbox (IoRS)).

• International Financial Services Centres Authority (IFSCA) – unified Regulatory authority of Gujarat International Finance Tech-City International Financial Services Centre (GIFT IFSC) for testing in the domain areas as specified in the Annexure I of Framework for FinTech Entity in the International Financial Services Centres.

Yes. REs may formulate an appropriate Board approved policy and adopt a suitable structure of penal charges that is ‘reasonable’ and ‘commensurate’ with the non-compliance of material terms and conditions of the loan contract.