उत्तर. होय, पीपीआय मध्ये दरमहा रू. ५०,०००/- इतकी रोख रक्कम भरण्याची मर्यादा आहे जे पीपीआयच्या एकूण मर्यादेच्या अधीन आहे. इलेक्ट्रॉनिक/ ऑनलाइन पद्धतीने पीपीआय लोडिंग करणे हे पीपीआयच्या एकूण मर्यादेच्या अधीन आहे.

16 डिसेंबर2010 रोजीच्या भारत सरकारच्या अधिसूचनेच्या अटींमध्ये सूचित केल्यानुसार ‘बीएसबीडीए - छोटी खाती ’खालील शर्तींच्या सापेक्ष असतील:

1. अशा खात्यामंध्ये एका वर्षातील एकूण जमा एक लाख रुपयांपेक्षा अधिक असता कामा नये.
2. खात्यातील कमाल शिल्लक कधीही पन्नास हजार रुपयांपेक्षा अधिक असता कामा नये
3. कोणत्याही महिन्यातील रोकड किंवा स्थानांतरण स्वरुपात काढलेली एकूण रक्कम दहा हजार रुपयांपेक्षा अधिक असता कामा नये
4. सामान्य केवायसी औपचारिकता पूर्ण केल्याशिवाय परदेशी संप्रेषणे छोट्या खात्यांमध्ये जमा करता येणार नाहीत
5. छोटी खाती सुरुवातीला 12 महिन्यांसाठी वैध असतील जी मुदत नंतर त्या व्यक्तीने अधिकृत वैध दस्तावेजासाठी अर्ज केल्याचा पुरावा सादर केल्यास आणखी 12 महिने वाढवली जाऊ शकेल.
6. छोटी खाती बँकेच्या फक्त सीबीएस संलग्न शाखा किंवा शर्तींच्या पूर्ततेचे मानवी स्वहस्ते नियमन जिथे शक्य आहे अशा शाखांमध्येच उघडता येतील.

Ans : It is the responsibility of the user institution to communicate to the beneficiary the details of credit that is being afforded to his / her account, indicating the proposed date of credit, amount and related particulars of the payment. Destination banks have been advised to ensure that the pass books / statements given to the beneficiary account holders reflect particulars of the transaction / credit provided by the ECS user institutions. The beneficiaries can match the entries in the passbook / account statement with the advice received by them from the User Institutions. Many banks also give mobile alerts / messages to customers after credit of such funds to accounts.

• IIBs would be Government securities (G-Sec) and the different classes of investors eligible to invest in G-Secs would also be eligible to invest in IIBs.

• FIIs would be eligible to invest in the forthcoming IIBs but subject to the overall cap for their investment in G-Secs (currently USD 25 billion).

The system is owned by RBI. There are no charges for use of this application by clients. However, since all trades are to be guaranteed and settled by CCIL, PMs will have to pay settlement charges and also continue to deposit adequate margin on behalf of their clients to CCIL.

Ans : IDF-NBFCs will raise resources through issue of either Rupee or Dollar denominated bonds of minimum 5 year maturity. IDF-MFs will raise resources through issue of units of MFs.

The total time for complete implementation of ADF would depend on the cluster in which the bank places itself after making an assessment of Process and Technology maturity as per the methodology given in the Approach Paper. However, it is expected that the banks with advanced IT systems and experience of working in computerised environment would take the lead and implement ADF in shortest possible time, say, even 2-3 months. In general, banks should strive to meet the objectives within shortest possible timelines.

It is the responsibility of the user institution to communicate to the beneficiary the details of credit that is being afforded to his / her account, indicating the proposed date of credit, amount and related particulars of the payment. Destination banks have been advised to ensure that the pass books / statements given to the beneficiary account holders reflect particulars of the transaction / credit provided by the ECS user institutions. The beneficiaries can match the entries in the passbook / account statement with the advice received by them from the User Institutions. Many banks also give mobile alerts / messages to customers after credit of such funds to accounts.

Yes. Banks have the right to set off their dues from the amount of deposits as on cut off date. The deposit insurance is available after netting of such dues.

Ans. Yes. Except the transactions mentioned at Q.10 above. However, trade transactions with Myanmar may be settled in any freely convertible currency, in addition to the ACU mechanism. Further, with effect from July 1, 2016, all eligible current account transactions including trade transactions in “Euro” are permitted to be settled outside the ACU mechanism till further notice.