ഉത്തരം. കാർഡ് നഷ്ടപ്പെട്ടാല്‍ / മോഷണം ശ്രദ്ധയിൽപ്പെട്ടാൽ ഉപഭോക്താവ് ഉടൻ തന്നെ കാർഡ് നൽകിയ ബാങ്കുമായി ബന്ധപ്പെടുകയും ബാങ്കിനോട് കാർഡ് ബ്ലോക്ക് ചെയ്യാൻ അഭ്യർത്ഥിക്കുകയും വേണം.

Ans. The requirement of KYC documents depends on the modes used for periodic updation of KYC as detailed in the reply to Q 24, above.

1. In case of change in the KYC information, the customer has to provide the documents as mentioned in the reply to Q 5 above;
2. In case of no change in KYC information, the customer can provide a self-declaration. Similarly, a self-declaration in case of change only in address can also be provided by the customer to RE as detailed in reply to Q 24 above.
3. In case of Aadhaar OTP-based e-KYC authentication facility in non-face-to-face mode, the customer can provide a declaration of the current address even if the current address is different from the address in Aadhaar database. However, RE shall ensure that mobile number for Aadhaar authentication is same as the one available with it in the customer’s profile, in order to prevent any fraud.
4. In case of use of V-CIP for completing re-KYC, the requirements shall be as per paragraph 18 of the Master Direction on KYC, which include identification and verification of the identity using (i) Aadhaar OTP based e-KYC authentication in non-face-to-face mode; (ii) offline verification of Aadhaar; (iii) KYC records downloaded from CKYCR; and (iv) equivalent e-documents including documents issued through DigiLocker.

The objective of TReDS is to create Electronic Bill Factoring Exchanges which could electronically accept and settle bills so that MSMEs could encash their receivables without delay. This will not only give them greater access to finance but will also put greater discipline on corporates to pay their dues on time. For more details you may refer to RBI guidelines for setting up and operating TReDS.

നിലവിലുള്ള എല്ലാ “നോ-ഫ്രിൽ” അക്കൗണ്ടുകളും സർക്കുലർ തീയതി മുതൽ, അതായത് 2012 ഓഗസ്റ്റ് 10 മുതൽ, ബി‌എസ്‌ബി‌ഡി‌എ അക്കൗണ്ടുകളായി കണക്കാക്കാം, കൂടാതെ സർക്കുലർ അനുസരിച്ച് എടി‌എം കാർഡ് തുടങ്ങിയ നിർദ്ദിഷ്ട സൗകര്യങ്ങൾ നിലവിലുള്ള ഉപഭോക്താവ് ബാങ്കിനെ സമീപിക്കുമ്പോൾ അവർക്ക് നൽകാം. എന്നിരുന്നാലും, സർക്കുലർ പുറത്തിറങ്ങിയതിനു ശേഷം പുതിയ അക്കൗണ്ടുകൾ തുറക്കുന്ന ഉപഭോക്താക്കൾക്ക് അക്കൗണ്ട് തുറന്ന ഉടൻ തന്നെ നിർദ്ദിഷ്ട സൗകര്യങ്ങൾ നൽകണം.

Ans : The Reserve Bank of India has deregulated the charges to be levied by sponsor banks from user institutions. The sponsor banks are, however, required to disclose the charges in a transparent manner. With effect from 1st July 2011, originating banks are required to pay a nominal charge of 25 paise and 50 paise per transaction to the Clearing house and destination bank respectively. Bank branches do not generally levy processing / service charges for debiting the accounts of customers maintained with them.

Ans. The Reserve Bank, in order to ensure compliance of the provisions of the PSS Act, 2007 and the Regulations made thereunder, can depute an officer authorized by it to enter any premises where a payment system is being operated, inspect any equipment, including any computer system or document, and call upon any employee of the system provider or participant to provide any document or information as required by it (Section 14 of PSS Act, 2007).

A person resident in India is free to make any payment in Indian Rupees towards meeting expenses on account of boarding, lodging and services related thereto or travel to and from and within India of a person resident outside India who is on a visit to India.

SGL or CSGL are a demat form of holding government securities with the RBI. Just as an investor can hold shares in demat form with a depository participant, he can also hold government securities in an account with a bank or a PD. Securities kept on behalf of customers by banks or PDs are kept in a segregated CSGL A/c with the RBI. Thus, if the bank or the PD buys security for his client, it gets credited to the CSGL account of bank or PD with the RBI.

Proposals not covered by the conditions under the automatic route require the prior clearance of the regulatory authority for which a specific application in form ODI is required to be made to the Reserve Bank of India.