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Government Securities Market in India – A Primer

14. How does one get information about the price of a G-Sec? +

14.1 The return on a security is a combination of two elements (i) coupon income – that is, interest earned on the security and (ii) the gain / loss on the security due to price changes and reinvestment gains or losses.

14.2 Price information is vital to any investor intending to either buy or sell G-Secs. Information on traded prices of securities is available on the RBI website http://www.rbi.org.in under the path Home → Financial Markets → Financial Markets Watch → Order Matching Segment of Negotiated Dealing System. This will show a screen containing the details of the latest trades undertaken in the market along with the prices. Additionally, trade information can also be seen on CCIL website http://www.ccilindia.com/OMHome.aspx. On this page, the list of securities and the summary of trades is displayed. The total traded amount (TTA) on that day is shown against each security. Typically, liquid securities are those with the largest amount of TTA. Pricing in these securities is efficient and hence UCBs can choose these securities for their transactions. Since the prices are available on the screen they can invest in these securities at the current prices through their custodians. Participants can thus get near real-time information on traded prices and take informed decisions while buying / selling G-Secs. The screenshots of the above webpage are given below:

NDS-OM Market

The website of the Financial Benchmarks India Private Limited (FBIL), (www.fbil.org.in) is also a right source of price information, especially on securities that are not traded frequently.

External Commercial Borrowings (ECB) and Trade Credits

E. AVERAGE MATURITY PERIOD

14. In case of an ECB raised from foreign equity holder and utilized for general corporate purpose/working capital/repayment of Rupee loans, can repayment of principal of ECB start before the completion of 5 years? +

Yes, however, the ECB should have minimum average maturity period of 5 years.

All you wanted to know about NBFCs

B. Entities Regulated by RBI and applicable regulations

14. Where can one find list of Registered NBFCs and instructions issued to NBFCs? +

The list of registered NBFCs is available on the web site of Reserve Bank (www.rbi.org.in) under ‘Regulation → Non-Banking’. Further, the instructions issued to NBFCs from time to time through circulars and/ or master directions are hosted on the Reserve Bank’s website under ‘Notifications’, and some instructions are issued through Official Gazette notifications and press releases as well.

Foreign Investment in India

Q.14: Whom to approach for clarifications if any required, related to Schedule 5 to FEMA 20(R) +

Answer: Financial Markets Regulation Department, RBI.

Indian Currency

B) Banknotes

7. How many languages appear in the language panel of Indian banknotes?

Fifteen languages are appearing in the language panel of banknotes in addition to Hindi prominently displayed in the centre of the note and English on the reverse of the banknote.

Core Investment Companies

B. Registration and related matters:

14. A company has investments in Group companies but does not meet the criteria of principal business as defined in terms of asset-income criteria for NBFCs. Can the company still be registered as a CIC, or does it need to first register as an NBFC?

Ans: CICs need not meet the principal business criteria for NBFCs.

Biennial survey on Foreign Collaboration in Indian Industry (FCS)

Some important definitions and concepts

Q14. What is a foreign associate?

Ans.: An Indian company is called as Foreign Associate if non-resident investor owns at least 10% and no more than 50% of the voting power/equity capital or where non-resident investor and its subsidiary(s) combined own at least 10% but no more than 50% of the voting power/equity capital of an Indian enterprise.

Coordinated Portfolio Investment Survey – India

What to report under CPIS?

Q14. If the responding entity does not have any portfolio investment assets during the reference period, do they need to participate in the survey?

Ans.: If the responding entity does not have any portfolio investment asset during the reference period, then that entity is required to submit NIL survey schedule to the generic email ID of the Reserve Bank as per the instruction in the survey schedule.

Targeted Long Term Repo Operations (TLTROs)

FAQs pertaining to On Tap TLTRO/ reversal of TLTRO/ TLTRO 2.0 transactions

Q15: If a bank opts for repayment of funds availed under TLTRO/ TLTRO 2.0, whether the investments made by the bank by utilizing these funds will continue to be allowed for classification under held to maturity (HTM) even in excess of 25 percent of total investment permitted to be included in the HTM portfolio? +

Ans: Banks can submit their request for exercising the repayment option till October 28, 2020. On repayment of funds availed under TLTRO/ TLTRO 2.0, the associated securities shall be shifted out of the HTM category. The shifting of the TLTRO/ TLTRO 2.0 investments out of HTM shall be in addition to the shifting of investments permitted at the beginning of the accounting year and subject to adherence to the guidelines contained in the Master Circular – Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks dated July 1, 2015. These investments under TLTRO/ TLTRO 2.0 against which funds are being repaid will not be exempted from reckoning under the large exposure framework (LEF) and computation of adjusted non-food bank credit (ANBC) for the purpose of determining priority sector targets/sub-targets.

Housing Loans

15. Do you get a tax benefit on the loan? +

Yes. Resident Indians are eligible for certain tax benefits on both principal and interest components of a loan under the Income Tax Act, 1961. Under the current laws, you are entitled to an income tax rebate for interest repayment up to Rs. 1,50,000 /- per annum. Moreover, you can get added tax benefits under Section 80 C on repayment of principal amount up to Rs. 1,00,000 /- per annum.

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