'ಬೇಸಿಕ್ ಸೇವಿಂಗ್ಸ್ ಬ್ಯಾಂಕ್ ಡಿಪೋಸಿಟ್ ಅಕೌಂಟ್'ಗಳು, ಬ್ಯಾಂಕುಗಳು ಖಾತೆಗಳನ್ನು ತೆರೆಯವ ಬಗೆಗೆ ಕಾಲಕಾಲಕ್ಕೆ ನೀಡುವ ಪಿಎಮೆಲ್ ಆಕ್ಟ್ ಮತ್ತು ರೂಲ್ಸ್ ಹಾಗೂ ನಿಮ್ಮ ಗ್ರಾಹಕರ ಬಗ್ಗೆ ತಿಳಿದಿರಿ [ಕೆವೈಸಿ]/ ಅಂಟಿ ಮನಿ ಲಾಂಡರಿಂಗ್ [ಎಎಮ್ಎಲ್] ನಿಯಮಗಳಿಗೊಳಪಟ್ಟಿರುತ್ತವೆ. ಬಿಎಸ್ಬಿಡಿಎಗಳನ್ನು ಸರಳೀಕೃತ ಕೆವೈಸಿ ನಿಯಮಗಳ ಮೂಲಕ ಸಹ ತೆರೆಯಬಹುದು. ಒಂದು ವೇಳೆ ಬಿಎಸ್ಬಿಡಿಎಗಳನ್ನು ಸರಳೀಕೃತ ಕೆವೈಸಿ ನಿಯಮದಡಿ ತೆರೆದರೆ, ಅವನ್ನು ''ಬಿಎಸ್ಬಿಡಿಎ- ಸ್ಮಾಲ್ ಅಕೌಂಟ್ಸ್'' ಎಂದು ಪರಿಗಣಿಸಲಾಗುವುದು ಮತ್ತು ಅಂತಹ ಖಾತೆಗಳಿಗೆ ನಿಗದಿಸಿದ Master Circular DBOD.AML.BC.No. 11/14.01.001/2012-13, ದಿನಾಂಕ ಜುಲೈ 2, 2012, ಪ್ಯಾರಾ 2,7ರಲ್ಲಿ ಸೂಚಿಸಿದ ಷರತ್ತುಗಳಿಗೊಳಪಟ್ಟಿರುತ್ತದೆ.

No, complaints cannot be filed through Contact Center, but the Contact Centre can assist the complainant in filing the complaint through CMS portal or physical mode. It will also provide clarifications about/ details of the AGR mechanism set up by RBI.

Ans. In such case, an OVD containing the earlier name along with a copy of the Gazette notification, or marriage certificate issued by the State Government, as applicable, indicating the change in name, can be submitted for opening the account.

Ans.: Four major business activities of computer software & information technology enabled services with their sub classifications are covered under the survey schedule. Details can be found in the survey schedule itself.

If any customer has a complaint against a bank due to non-payment or inordinate delay in the payment or collection of cheques, complaint can be lodged with the bank concerned. If the bank fails to respond within 30 days, you may make a complaint under “The Reserve Bank-Integrated Ombudsman Scheme (RB-IOS 2021)”. 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.

Ans: Yes. e₹ can be loaded/redeemed/transferred from/to one’s bank account to/from the e₹ wallet 24 hours x 7 days a week.

Ans: Yes, the circular will be applicable to the existing borrowers.

No. The quantum and reason for penal charges shall have to be clearly disclosed by REs to the customers upfront in the loan agreement and Most Important Terms & Conditions (MITC) / Key Fact Statement (KFS), as applicable.

ಉತ್ತರ. ಹೌದು, ಭಾರತದಲ್ಲಿ ಬ್ಯಾಂಕ್ ನೀಡುವ ಕಾರ್ಡ್ಗಳನ್ನು ದೇಶದಲ್ಲಿ ಯಾವುದೇ ಎಟಿಎಮ್/ಡಬ್ಲ್ಯೂಎಲ್ಎಯಲ್ಲಿ ಬಳಸಬಹುದು.

Response: No. The renewal of MTGD/LTGD has been discontinued with effect from March 26, 2025.

As part of the financial sector liberalisation, all credit related matters of banks including charging of interest have been deregulated by RBI and are governed by the banks' own lending policies.

With a view to improve monetary policy transmission, banks have been advised to link loans to Micro and Small Enterprises to an external benchmark from October 01, 2019. (Refer circular DBR.DIR.BC.No.14/13.03.00/2019-20 dated September 04, 2019). To further improve the transmission of monetary policy rates, it has been decided that with effect from April 01, 2020, loans to Medium Enterprises shall be linked to external benchmark. (Refer circular DOR.DIR.BC.No.39/13.03.00/2019-20 dated February 26, 2020).

ಉತ್ತರ. ಪಿಪಿಐಗಳನ್ನು ನಗದಿನ ಮೂಲಕ, ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಡೆಬಿಟ್ ಮಾಡುವ ಮೂಲಕ, ಕ್ರೆಡಿಟ್/ಡೆಬಿಟ್ ಕಾರ್ಡ್ಗಳ ಮೂಲಕ, ಅಥವಾ ಇತರ ಪಿಪಿಐಗಳಿಂದ ಲೋಡ್ ಮಾಡಬಹುದು/ಮರುರೋಡ್ ಮಾಡಬಹುದು. ಪಿಪಿಐಗಳ ಲೋಡಿಂಗ್/ಮರುಲೋಡಿಂಗ್ ಅನ್ನು ಭಾರತದಲ್ಲಿ ನಿಯಂತ್ರಿಸಲ್ಪಡುವ ಘಟಗಳು ನೀಡುವ ಪಾವತಿ ಉಪಕರಣಗಳ ಮೂಲಕ ಹಾಗೂ ಭಾರತದ ರೂಪಾಯಿಗಳಲ್ಲಿ [ಐಎನ್ಆರ್]ಮಾತ್ರ ಇರಬೇಕು. ಬ್ಯಾಂಕುಗಳು ಹಾಗೂ ಬ್ಯಾಂಕೇತರರು ಅಂತಹ ಪಾವತಿ ಉಪಕರಣಗಳನ್ನು ತಮ್ಮ ಅಧಿಕೃತ ಮಳಿಗೆಳು/ಶಾಖೆಗಳು/ಎಟಿಎಮ್ಗಳ ಮೂಲಕ ಅಥವಾ ಅವರ ಅಧಿಕೃತ/ಗೊತ್ತುಪಡಿಸಿದ ಏಜಂಟ್ಗಳ ಮೂಲಕ ನೀಡಲು ಹಾಗೂ ಮರುಲೋಡ್ ಮಾಡಲು ಅನುಮತಿ ನೀಡುತ್ತಾರೆ.

Ans: Yes. ECS can be used to transfer funds to NRE and NRO accounts in the country. This, however, is subject to the adherence to the provisions of the Foreign Exchange Management Act, 2000 (FEMA) and Wire Transfer Guidelines.

For the purpose of studies abroad, exchange for maintenance expenses is released in the form of (i) currency notes up to US$ 2,000, (ii) the balance foreign exchange may be taken in form of traveller’s cheques or bank draft payable overseas.

Ans : The submission of returns to the Reserve Bank will be as specified presently in the case of registered NBFCs.

PM will not be able to place orders on behalf of the client in the web based system. However the PM can continue placing orders for the client in the existing system. But these orders will not be subject to the various risk validations that are available in the Web system.

Banks are free to go ahead with a holistic plan by designing and implementing long-term solutions. However, the banks need to implement ADF for the returns committed under their roadmaps.  Further, the returns identified by Reserve Bank for immediate implementation in a time bound manner also need to be brought under ADF.

Ans While RBI has waived processing charges till March 31, 2008, levy of service charges by banks is left to the discretion of respective banks.

Yes. ECS can be used to transfer funds to NRE and NRO accounts in the country. This, however, is subject to the adherence to the provisions of the Foreign Exchange Management Act, 2000 (FEMA) and Wire Transfer Guidelines.

Ans. The following payments are not eligible to be settled through ACU:-

1. Payments between Nepal and India and Bhutan and India, exception being made in the case of goods imported from India by an importer resident in Nepal who has been permitted by the Nepal Rastra Bank to make payments in foreign exchange. Such payments may be settled outside ACU mechanism; and

2. Payments that are not on account of export / import transactions between ACU members countries except to the extent mutually agreed upon between the Reserve Bank and the other participants; and

3. All eligible current account transactions including trade transactions with Iran should be settled in any permitted currency outside the ACU mechanism until further notice.