Ans: The programmability feature allows the sponsor entity (government / corporate) or user to ensure that the funds in the CBDC wallets are used for a specific, designated purpose. It can be programmed on different parameters like expiry date, geo-location, merchant category codes, merchant VPA, etc. Currently, the programmability use cases are being explored across Direct Benefits Transfer (DBT) schemes, interest subvention scheme, lending, employee allowances for defined purposes, etc.

Ans.: The ‘the amount held abroad’ is the outstanding amount which is yet to be received by the company from the importers i.e., unpaid amount for the exports made by the company. Q-7(v) is the change in amount held abroad which is equal to closing balance minus opening balance. Opening balance on April 01, 2024 and closing balance at end-March 2025 of the reference period 2024-25.

The speed of redress depends on a number of factors like complexity of the case, timely submission of documents by the RE, volume of complaints in Ombudsman offices etc.

However, under the new System, CMS sends instant notifications to the complainant and RE and functions as single point reference for all complaint related communication for both parties, thereby obviating undue delays. All other things remaining the same, complaints lodged on CMS directly with all details get speedier redress.

उत्तर. आरबीआयच्या सूचना नुसार (डीपीएसएस.पीडी.क्र.2632/02.10.002/2010-2011 दिनांक २७ मे २०११), एटीएम वरील व्यवहार अयशस्वी झाल्यास, तक्रारीच्या तारखेपासून कामकाजाचे ७ दिवसांच्या आत ग्राहकाच्या खात्यात पुन्हा रक्कम जमा करून ग्राहकाच्या तक्रारीचे निराकरण करणे कार्ड जारी करणाऱ्या बँकेवर बंधनकारक आहे).

Ans: No, making specific facial gesture like blinking of eyes, smiling, frowning, etc. are not mandatory for liveness check. The RE is required to take due cognizance of special need, if any, of the customer during liveness check.

Answer: The AD bank in India shall be responsible for the reporting of transactions taking place in the Special Rupee Vostro Account of the correspondent bank of the trading partner country.

Response: Yes. Rupee loans can be availed against the collateral of Deposit Certificates issued by the banks under GMS.

After successful testing under IoRS, the entity may approach the concerned PR and ARs to obtain necessary authorisations and regulatory approvals before launching its product in the market. The decisions of the respective regulators will be final and binding. The product being successfully exiting the IoRS shall be published by the regulator concerned vide Press Release for wider adoption.

Residents are free to carry the foreign exchange purchased from an authorised dealer or money changer in accordance with the Rules. They are, however, allowed to carry foreign exchange in the form of currency notes/coins upto USD 2,000 or its equivalent only. Balance amount can be carried in the form of traveller’s cheque or banker/s draft. (In this connection please see item No.9).

उत्तर. पीपीआय जारीकर्ता पीपीआय धारकाला पीपीआय बंद करण्याचा पर्याय देऊ करेल या प्रकारच्या पीपीआय नुसार लागू मर्यादेनुसार बाकी रक्कम बँकेच्या खात्यात हस्तांतरित करेल. यासाठी पीपीआय जारी करण्याच्या वेळी जारीकर्ता धारकाला अगोदर निश्चित केलेल्या बँकेच्या खात्याचा किंवा दुसरे पीपीआय देण्याचा पर्याय देईल ज्यामध्ये पीपीआय बंद करण्याच्या वेळी, सदर पीपीआयचा वैधता कालावधी पूर्ण झाल्यानंतर वगैरे, पीपीआयमधील शिल्लक रक्कम हस्तांतरित करण्यात येईल. बंद करण्याच्या वेळी धारक अगोदर निश्चित करण्यात आलेल्या खात्या व्यतिरिक्त दुसरे बँकेतील खाते नमूद करू शकेल.