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The Ombudsman Scheme for Non-Banking Financial Companies, 2018

No. The NBFC Ombudsman does not charge any fee for filing and resolving customers’ complaints.
No.
Ans. No. For any shortfall / default in completing the payment / settlement obligations, such entities will need to have a pre-approved line of credit facility from a bank. They will also have to ensure that appropriate liquidity support arrangements are in place with their bankers to avoid gridlock and to ensure business continuity. Any such shortfall / default in availability of funds by the PSP can entail appropriate regulatory action from the Reserve Bank, including review of CPS membership.

Ans. This clause is applicable only for recovery from borrowers having overdue loans. For other borrowers, REs can continue with the existing timing/ process for business like group meetings, collection in regular accounts, etc. as per borrowers’ convenience.

Ans. No. The transactions processed under TReDS are “without recourse” to the MSMEs.

No. There is no charge or any fee for filing / resolving customers’ complaints.
Ans. The LEI instructions are applicable to all the channels being used for connecting to RTGS viz. thick-client, Web-API (through INFINET or any other approved network) and Payment Originator (PO) module.

Ans. For a funds transfer to go through RTGS, both the sending bank branch and the receiving bank branch need to be RTGS enabled. Presently, there are more than 1,60,000 RTGS enabled bank branches, the list of which is available on the RBI website at the link https://rbi.org.in/Scripts/Bs_viewRTGS.aspx?Category=5. The list is updated on a fortnightly basis.

The various additional provisions prescribed under the Resolution Framework are specific provisions to be maintained in respect of each exposure under consideration.

جی نہیں، بی ایس بی ڈی اے کسٹمر، اُسی بینک میں کوئی اور بچت بینک جمع کھاتہ نہیں کھول سکتا/سکتی۔ اگر بنیادی بچت بینک جمع کھاتہ آسان کے وائی سی کے ضابطوں کی بنیاد پر کھولا جائے تو اُس کھاتے کو ایک 'چھوٹا کھاتہ' کی حیثیت سے اضافی مانا جائے گا۔ اور اس پر ماسٹر سرکیولر پیراگرام 2.7 میں نشان زد کردہ کے مطابق ایسے کھاتوں کیلئے مشروط معاہدہ ہوگا۔ ڈی بی او ڈی اے ایم ایل بی سی نمبر : 11/14.01.001/2012-13 بتاریخ 02/جولائی 2012 کے وائی سی ضوابط / اے ایم ایل اسٹینڈرڈس / کمباٹنگ آف فائنینسنگ آف ٹیرارزِم (سی ایف ٹی) / پی ایم ایل اے، 2002 کے تحت آبلیگیشن آف بینکس۔

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