ಇಲ್ಲ. ವ್ಯಕ್ತಿಗತವಾಗಿ ಬಿಎಸ್ಬಿಡಿಎ ತೆರೆಯುವವರಿಗೆ ವಯಸ್ಸು ಮತ್ತು ಆದಾಯ ಮುಂತಾದ ನಿರ್ಬಂಧನೆಗಳನ್ನು ಹೇರಬಾರದೆಂದು ಬ್ಯಾಂಕುಗಳಿಗೆ ಆದೇಶ ನೀಡಲಾಗಿದೆ.

Ans: In terms of MD-TLE dated September 24, 2021, Primary (Urban) Co-operative Banks (PUCBs), State Co-operative Banks (StCBs) and Central Co-operative Banks (CCBs) have been recognised as eligible transferors of stressed loans. The relevant provisions of circular “Guidelines on Sale of Financial Assets to Securitisation Company/Reconstruction Company (SC/RC) by Multi State Urban Cooperative Banks’ dated March 28, 2014, in terms of which only multistate cooperative banks could sell stressed assets to ARCs have been repealed. Accordingly, all cooperative banks are permitted to transfer stressed assets to ARCs in compliance with the provisions of the MD-TLE and other extant regulatory instructions.

The Resolution Framework may be invoked for resolution of all exposures of lending institutions to eligible borrowers, including investment exposures. However, the Resolution Framework is without prejudice to all applicable guidelines issued by the relevant financial sector regulators and other Departments of the RBI in respect of any particular exposure.

Ans. With effect from July 01, 2019, RBI has waived the processing charges levied by it for RTGS transactions. Banks may pass on the benefit to its customers. With a view to rationalise the service charges levied by banks for offering funds transfer through RTGS system, a broad framework of charges has been mandated as under: a) Inward transactions – Free, no charge to be levied. b) Outward transactions – ₹ 2,00,000/- to 5,00,000/-: not exceeding ₹ 25/- (exclusive of tax, if any) Above ₹ 5,00,000/-: not exceeding ₹ 50 (exclusive of tax, if any) Banks may decide to charge a lower rate but cannot charge more than the rates prescribed by RBI.

ಉತ್ತರ. ಈ ಪಿಪಿಐಗಳನ್ನು ಆ ಘಟಕದಿಂದ ಮಾತ್ರ ಸರಕುಗಳು ಹಾಗೂ ಸೇವೆಗಳನ್ನು ಖರೀದಿಸಲು ಅನುಕೂಲವಾಗುವಂತೆ ಒಂದು ಘಟಕದಿಂದ ನೀಡಲಾಗುತ್ತದೆ ಹಾಗೂ ಹಣ ಹಿಂಪಡೆಯಲು ಅನುಮತಿಸುವುದಿಲ್ಲ . ಈ ಉಪಕರಣಗಳನ್ನು ಮೂರನೇಯ ವ್ಯಕ್ತಿಗಳ ಸೇವೆಗಳಿಗಾಗಿ ಪಾವತಿಸುವುದಕ್ಕಾಗಿ ಅಥವಾ ಹಣ ಸಂದಾಯಕ್ಕಾಗಿ ಬಳಸಲಾಗದ ಕಾರಣ, ಅಂತಹ ಉಪಕರಣಗಳ ನೀಡಿಕೆ ಹಾಗೂ ಕಾರ್ಯಾಚರಣೆಯನ್ನು ಆರ್ಬಿಐ ಅನುಮೋದನೆ/ ಅಧಿಕೃತತೆಯ ಅಗತ್ಯವಿರುವ ಪೇಮೆಂಟ್ ಸಿಸ್ಟಮ್ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗಿಲ್ಲ.

• For calculating the index ratio for a specific date, daily reference WPI values would be linearly interpolated using ‘Ref WPI’ for the first day of the calendar month and the first day of the following calendar month.

• The formula for computing the reference WPI for a particular day is as under:

  

  [Ref WPI_M = Ref WPI for the first day of the calendar month in which Date falls, Ref WPI_M+1 = Ref WPI for the first day of the calendar month following the settlement date, D = Number of days in month (e.g. 31 days in August), and t= settlement date (e.g. August 6)]

• An example of daily reference WPI computed through interpolation is furnished below.

Date	Ref WPI (Given)	T-1	D	Ref WPI (Interpolation)
1-May-13	168.8
2-May-13		1	31	168.85
3-May-13		2	31	168.90
4-May-13		3	31	168.95
5-May-13		4	31	168.99
6-May-13		5	31	169.04
7-May-13		6	31	169.09
8-May-13		7	31	169.14
9-May-13		8	31	169.19
10-May-13		9	31	169.24
11-May-13		10	31	169.28
12-May-13		11	31	169.33
13-May-13		12	31	169.38
14-May-13		13	31	169.43
15-May-13		14	31	169.48
16-May-13		15	31	169.53
17-May-13		16	31	169.57
18-May-13		17	31	169.62
19-May-13		18	31	169.67
20-May-13		19	31	169.72
21-May-13		20	31	169.77
22-May-13		21	31	169.82
23-May-13		22	31	169.86
24-May-13		23	31	169.91
25-May-13		24	31	169.96
26-May-13		25	31	170.01
27-May-13		26	31	170.06
28-May-13		27	31	170.11
29-May-13		28	31	170.15
30-May-13		29	31	170.20
31-May-13		30	31	170.25
1-June-13	170.3

The application is automatically inwarded in the receiving office/ department and marked to the administrator of that department.

Ans : Yes, however, such NBFC-Factors will need to obtain the necessary authorization from the Foreign Exchange Department of the Bank under FEMA 1999 as amended and adhere to all the FEMA regulations in this regard.

While RBI will facilitate the trading platform for buying and selling of G-Secs, RBI shall not have any relationship, direct or otherwise, with any of the GAH granted access to NDS-OM Web. Further, the RBI has no role in any possible disputes between GAH and PM.

Ans : Yes NBFCs and NBFC-IFCs need to take prior approval from the Reserve Bank for sponsoring IDFs.