FAQ Page 1 - RBI - Reserve Bank of India
Annual Return on Foreign Liabilities and Assets (FLA) under FEMA 1999
Procedure for submission of the FLA return
Ans: You will receive the system-generated acknowledgement of FLA data submitted by you at the time of final submission itself. No separate mail will be sent in this regard.
External Commercial Borrowings (ECB) and Trade Credits
F. LEVERAGE CRITERIA AND BORROWING LIMIT
Coordinated Portfolio Investment Survey – India
Some important definitions and concepts
Ans: The following are not included under equity securities:
-
Equity securities issued by a nonresident enterprise that is related to the resident owner of those securities should be excluded from this survey.
-
Non-participating preference shares.
-
Securities acquired under reverse repos.
-
Securities acquired under borrowing arrangements.
Business restrictions imposed on Paytm Payments Bank Limited vide Press Releases dated January 31 and February 16, 2024
National Common Mobility Card (NCMC) issued by Paytm Payments Bank
External Commercial Borrowings (ECB) and Trade Credits
F. LEVERAGE CRITERIA AND BORROWING LIMIT
Retail Direct Scheme
Know Your Customer (KYC) related queries
Domestic Deposits
II. Deposits of Non-Residents Indians (NRIs)
Housing Loans
REVERSE MORTGAGE LOAN
EXAMPLE OF EMI CALCULATION (PURE FIXED LOAN)
|
Amount of Loan |
1,000,000.00 |
|
|
|
Annual Interest Rate |
15.00% |
|
|
|
Number of Payments |
120 |
|
|
|
Monthly Payment |
16,133.50 |
|
|
Number |
Payment |
Interest |
Principal |
Balance |
0 |
|
|
|
1,000,000.00 |
1 |
16,133.50 |
12,500.00 |
3,633.50 |
996,366.50 |
2 |
16,133.50 |
12,454.58 |
3,678.91 |
992,687.59 |
3 |
16,133.50 |
12,408.59 |
3,724.90 |
988,962.69 |
4 |
16,133.50 |
12,362.03 |
3,771.46 |
985,191.23 |
5 |
16,133.50 |
12,314.89 |
3,818.61 |
981,372.62 |
6 |
16,133.50 |
12,267.16 |
3,866.34 |
977,506.28 |
7 |
16,133.50 |
12,218.83 |
3,914.67 |
973,591.62 |
8 |
16,133.50 |
12,169.90 |
3,963.60 |
969,628.02 |
9 |
16,133.50 |
12,120.35 |
4,013.15 |
965,614.87 |
10 |
16,133.50 |
12,070.19 |
4,063.31 |
961,551.56 |
11 |
16,133.50 |
12,019.39 |
4,114.10 |
957,437.46 |
12 |
16,133.50 |
11,967.97 |
4,165.53 |
953,271.93 |
13 |
16,133.50 |
11,915.90 |
4,217.60 |
949,054.34 |
14 |
16,133.50 |
11,863.18 |
4,270.32 |
944,784.02 |
15 |
16,133.50 |
11,809.80 |
4,323.70 |
940,460.32 |
16 |
16,133.50 |
11,755.75 |
4,377.74 |
936,082.58 |
17 |
16,133.50 |
11,701.03 |
4,432.46 |
931,650.12 |
18 |
16,133.50 |
11,645.63 |
4,487.87 |
927,162.25 |
19 |
16,133.50 |
11,589.53 |
4,543.97 |
922,618.28 |
20 |
16,133.50 |
11,532.73 |
4,600.77 |
918,017.51 |
21 |
16,133.50 |
11,475.22 |
4,658.28 |
913,359.24 |
22 |
16,133.50 |
11,416.99 |
4,716.51 |
908,642.73 |
23 |
16,133.50 |
11,358.03 |
4,775.46 |
903,867.27 |
24 |
16,133.50 |
11,298.34 |
4,835.15 |
899,032.12 |
25 |
16,133.50 |
11,237.90 |
4,895.59 |
894,136.52 |
26 |
16,133.50 |
11,176.71 |
4,956.79 |
889,179.73 |
27 |
16,133.50 |
11,114.75 |
5,018.75 |
884,160.98 |
28 |
16,133.50 |
11,052.01 |
5,081.48 |
879,079.50 |
29 |
16,133.50 |
10,988.49 |
5,145.00 |
873,934.50 |
30 |
16,133.50 |
10,924.18 |
5,209.31 |
868,725.18 |
31 |
16,133.50 |
10,859.06 |
5,274.43 |
863,450.75 |
32 |
16,133.50 |
10,793.13 |
5,340.36 |
858,110.39 |
33 |
16,133.50 |
10,726.38 |
5,407.12 |
852,703.28 |
34 |
16,133.50 |
10,658.79 |
5,474.70 |
847,228.57 |
35 |
16,133.50 |
10,590.36 |
5,543.14 |
841,685.43 |
36 |
16,133.50 |
10,521.07 |
5,612.43 |
836,073.00 |
37 |
16,133.50 |
10,450.91 |
5,682.58 |
830,390.42 |
38 |
16,133.50 |
10,379.88 |
5,753.62 |
824,636.81 |
39 |
16,133.50 |
10,307.96 |
5,825.54 |
818,811.27 |
40 |
16,133.50 |
10,235.14 |
5,898.35 |
812,912.92 |
41 |
16,133.50 |
10,161.41 |
5,972.08 |
806,940.83 |
42 |
16,133.50 |
10,086.76 |
6,046.74 |
800,894.10 |
43 |
16,133.50 |
10,011.18 |
6,122.32 |
794,771.78 |
44 |
16,133.50 |
9,934.65 |
6,198.85 |
788,572.93 |
45 |
16,133.50 |
9,857.16 |
6,276.33 |
782,296.59 |
46 |
16,133.50 |
9,778.71 |
6,354.79 |
775,941.81 |
47 |
16,133.50 |
9,699.27 |
6,434.22 |
769,507.58 |
48 |
16,133.50 |
9,618.84 |
6,514.65 |
762,992.93 |
49 |
16,133.50 |
9,537.41 |
6,596.08 |
756,396.85 |
50 |
16,133.50 |
9,454.96 |
6,678.54 |
749,718.31 |
51 |
16,133.50 |
9,371.48 |
6,762.02 |
742,956.30 |
52 |
16,133.50 |
9,286.95 |
6,846.54 |
736,109.75 |
53 |
16,133.50 |
9,201.37 |
6,932.12 |
729,177.63 |
54 |
16,133.50 |
9,114.72 |
7,018.78 |
722,158.85 |
55 |
16,133.50 |
9,026.99 |
7,106.51 |
715,052.34 |
56 |
16,133.50 |
8,938.15 |
7,195.34 |
707,857.00 |
57 |
16,133.50 |
8,848.21 |
7,285.28 |
700,571.72 |
58 |
16,133.50 |
8,757.15 |
7,376.35 |
693,195.37 |
59 |
16,133.50 |
8,664.94 |
7,468.55 |
685,726.82 |
60 |
16,133.50 |
8,571.59 |
7,561.91 |
678,164.91 |
61 |
16,133.50 |
8,477.06 |
7,656.43 |
670,508.47 |
62 |
16,133.50 |
8,381.36 |
7,752.14 |
662,756.33 |
63 |
16,133.50 |
8,284.45 |
7,849.04 |
654,907.29 |
64 |
16,133.50 |
8,186.34 |
7,947.15 |
646,960.14 |
65 |
16,133.50 |
8,087.00 |
8,046.49 |
638,913.64 |
66 |
16,133.50 |
7,986.42 |
8,147.08 |
630,766.57 |
67 |
16,133.50 |
7,884.58 |
8,248.91 |
622,517.65 |
68 |
16,133.50 |
7,781.47 |
8,352.03 |
614,165.63 |
69 |
16,133.50 |
7,677.07 |
8,456.43 |
605,709.20 |
70 |
16,133.50 |
7,571.37 |
8,562.13 |
597,147.07 |
71 |
16,133.50 |
7,464.34 |
8,669.16 |
588,477.91 |
72 |
16,133.50 |
7,355.97 |
8,777.52 |
579,700.39 |
73 |
16,133.50 |
7,246.25 |
8,887.24 |
570,813.15 |
74 |
16,133.50 |
7,135.16 |
8,998.33 |
561,814.82 |
75 |
16,133.50 |
7,022.69 |
9,110.81 |
552,704.01 |
76 |
16,133.50 |
6,908.80 |
9,224.70 |
543,479.31 |
77 |
16,133.50 |
6,793.49 |
9,340.00 |
534,139.31 |
78 |
16,133.50 |
6,676.74 |
9,456.75 |
524,682.56 |
79 |
16,133.50 |
6,558.53 |
9,574.96 |
515,107.59 |
80 |
16,133.50 |
6,438.84 |
9,694.65 |
505,412.94 |
81 |
16,133.50 |
6,317.66 |
9,815.83 |
495,597.11 |
82 |
16,133.50 |
6,194.96 |
9,938.53 |
485,658.58 |
83 |
16,133.50 |
6,070.73 |
10,062.76 |
475,595.81 |
84 |
16,133.50 |
5,944.95 |
10,188.55 |
465,407.26 |
85 |
16,133.50 |
5,817.59 |
10,315.90 |
455,091.36 |
86 |
16,133.50 |
5,688.64 |
10,444.85 |
444,646.51 |
87 |
16,133.50 |
5,558.08 |
10,575.41 |
434,071.09 |
88 |
16,133.50 |
5,425.89 |
10,707.61 |
423,363.48 |
89 |
16,133.50 |
5,292.04 |
10,841.45 |
412,522.03 |
90 |
16,133.50 |
5,156.53 |
10,976.97 |
401,545.06 |
91 |
16,133.50 |
5,019.31 |
11,114.18 |
390,430.88 |
92 |
16,133.50 |
4,880.39 |
11,253.11 |
379,177.77 |
93 |
16,133.50 |
4,739.72 |
11,393.77 |
367,784.00 |
94 |
16,133.50 |
4,597.30 |
11,536.20 |
356,247.80 |
95 |
16,133.50 |
4,453.10 |
11,680.40 |
344,567.40 |
96 |
16,133.50 |
4,307.09 |
11,826.40 |
332,741.00 |
97 |
16,133.50 |
4,159.26 |
11,974.23 |
320,766.77 |
98 |
16,133.50 |
4,009.58 |
12,123.91 |
308,642.85 |
99 |
16,133.50 |
3,858.04 |
12,275.46 |
296,367.39 |
100 |
16,133.50 |
3,704.59 |
12,428.90 |
283,938.49 |
101 |
16,133.50 |
3,549.23 |
12,584.26 |
271,354.23 |
102 |
16,133.50 |
3,391.93 |
12,741.57 |
258,612.66 |
103 |
16,133.50 |
3,232.66 |
12,900.84 |
245,711.82 |
104 |
16,133.50 |
3,071.40 |
13,062.10 |
232,649.72 |
105 |
16,133.50 |
2,908.12 |
13,225.37 |
219,424.35 |
106 |
16,133.50 |
2,742.80 |
13,390.69 |
206,033.66 |
107 |
16,133.50 |
2,575.42 |
13,558.07 |
192,475.58 |
108 |
16,133.50 |
2,405.94 |
13,727.55 |
178,748.03 |
109 |
16,133.50 |
2,234.35 |
13,899.15 |
164,848.89 |
110 |
16,133.50 |
2,060.61 |
14,072.88 |
150,776.00 |
111 |
16,133.50 |
1,884.70 |
14,248.80 |
136,527.21 |
112 |
16,133.50 |
1,706.59 |
14,426.91 |
122,100.30 |
113 |
16,133.50 |
1,526.25 |
14,607.24 |
107,493.06 |
114 |
16,133.50 |
1,343.66 |
14,789.83 |
92,703.23 |
115 |
16,133.50 |
1,158.79 |
14,974.71 |
77,728.52 |
116 |
16,133.50 |
971.61 |
15,161.89 |
62,566.63 |
117 |
16,133.50 |
782.08 |
15,351.41 |
47,215.22 |
118 |
16,133.50 |
590.19 |
15,543.31 |
31,671.91 |
119 |
16,133.50 |
395.90 |
15,737.60 |
15,934.32 |
120 |
16,133.50 |
199.18 |
15,934.32 |
0.00 |
Loan amount x rpm x (1+pm)
(1+pm)
- rpm= interest per month (rate of interest per year/12)
- n= number of installments
NB: If you have a fixed budget towards EMI you can arrive at loan amount by changing the other variables such as by reducing the rate of interest or by increasing the tenure of loan. This can also be arrived at through EMI calculator by a trial-and-error approach.
Indian Currency
B) Banknotes
The volume and value of banknotes to be printed in a year depends on various factors such as (i) the expected increase in Notes in Circulation (NIC) to meet the growing needs of the public and (ii) the need for replacing soiled/mutilated notes so as to ensure that only good quality notes are in circulation. The expected increase in NIC is estimated using statistical models which consider macro-economic factors such as expected growth in GDP, inflation, interest rates, growth in non-cash modes of payment etc. The replacement requirement depends on the volume of notes already in circulation and the average life of banknotes. The Reserve Bank estimates the volume and value of notes to be printed in a year based on the above factors as well as feedback received from its own Regional Offices and banks regarding expected demand for cash and finalises the same in consultation with the Government of India and the printing presses.
Core Investment Companies
Core Investment Companies (CICs)
Ans: No, CICs/ CICs-ND-SI cannot accept deposits. That is one of the eligibility criteria.
All you wanted to know about NBFCs
B. Entities Regulated by RBI and applicable regulations
-
NBS-1 Quarterly Returns on deposits in First Schedule.
-
NBS-2 Quarterly return on Prudential Norms is required to be submitted by NBFC accepting public deposits.
-
NBS-3 Quarterly return on Liquid Assets by deposit taking NBFC.
-
NBS-4 Annual return of critical parameters by a rejected company holding public deposits. (NBS-5 stands withdrawn as submission of NBS 1 has been made quarterly.)
-
NBS-6 Monthly return on exposure to capital market by deposit taking NBFC with total assets of ₹ 100 crore and above.
-
Half-yearly ALM return by NBFC holding public deposits of more than ₹ 20 crore or asset size of more than ₹ 100 crore
-
Audited Balance sheet and Auditor’s Report by NBFC accepting public deposits.
-
Branch Info Return.
B. Returns to be submitted by NBFCs-ND-SI
-
NBS-7 A Quarterly statement of capital funds, risk weighted assets, risk asset ratio etc., for NBFC-ND-SI.
-
Monthly Return on Important Financial Parameters of NBFCs-ND-SI.
-
ALM returns:
(i) Statement of short term dynamic liquidity in format ALM [NBS-ALM1] -Monthly,
(ii) Statement of structural liquidity in format ALM [NBS-ALM2] Half yearly,
(iii) Statement of Interest Rate Sensitivity in format ALM -[NBS-ALM3], Half yearly -
Branch Info return
C. Quarterly return on important financial parameters of non deposit taking NBFCs having assets of more than ₹ 50 crore and above but less than ₹ 100 crore
Basic information like name of the company, address, NOF, profit / loss during the last three years has to be submitted quarterly by non-deposit taking NBFCs with asset size between ₹ 50 crore and ₹ 100 crore.
There are other generic reports to be submitted by all NBFCs as elaborated in Master Circular on Returns to be submitted by NBFCs as available on www.rbi.org.in → Notifications → Master Circulars → Non-banking and Circular DNBS (IT) CC.No.02/24.01.191/2015-16 dated July 9, 2015 as available on www.rbi.org.in → Notifications.
Foreign Investment in India
FAQs on Non-Banking Financial Companies
Inter-corporate deposits (ICDs)
Annual Return on Foreign Liabilities and Assets (FLA) under FEMA 1999
Procedure for submission of the FLA return
Ans: An AIF needs to register on the FLAIR portal. Since there is no provision for online filing of FLA return for AIF in the prescribed format as of now, they need to send a mail requesting for the latest format for filing of FLA Return for AIF after completing registration process on the portal. Thereafter FLA Team will send the excel based format for filling FLA return by AIF via mail to them. They need to fill the excel format and send us the same on email. Email based acknowledgement form will be sent to them by FLA Team on receiving the filled-in FLA form.
Government Securities Market in India – A Primer
Biennial survey on Foreign Collaboration in Indian Industry (FCS)
Some other important points to be noted
Ans.: Please refer to the below table containing the error codes (Fatal error, non-Fatal error) with their descriptions. If you get an acknowledgment of the processed data with any Fatal error codes, then follow the below-mentioned fatal error message/description and revise your data and resubmit it on fcs@rbi.org.in. If you get an acknowledgment of the processed data with any Non-fatal error codes then give justification/clarification on the errors, by sending the same to fcsquery@rbi.org.in.
Sr. No. | Revised- Rejection Criteria | Revised - Error Message/descriptions | Error Code |
Fatal Error | |||
1 | When the year is left blank | The year cannot be left blank. Please specify the reference year and fill the return. | FCS_F_001 |
2 | When the survey year is incorrect | Survey year should be the subsequent survey after the latest closed survey year in the system. Please specify the correct Survey year | FCS_F_001 |
3 | When survey year is null | The survey year cannot be NULL. Please specify the survey year and fill the return. | FCS_F_001 |
4 | When survey year is incorrect | Please specify proper survey year, please fill the form for the survey year | FCS_F_001 |
5 | When survey year is invalid | The year for which the information is pertaining, is invalid survey year. Please mention the reference year for which the return is filled | FCS_F_001 |
6 | When survey year is closed | FCS survey for {year} is closed | FCS_F_001 |
5 | When name of company not provided | Name of company is not provided. Please provide the name of company. | FCS_F_002 |
6 | When CIN Number is not given | CIN number is not provided. Please provide CIN number of the company. | FCS_F_003 |
7 | When telephone number is not given | Please provide the telephone number of contact person. | FCS_F_004 |
8 | When email id is not given | Please provide the email id of the contact person. | FCS_F_005 |
Non-Fatal Error | |||
1 | When type of organization is not given | Please provide the type of organization. | FCS_NF_001 |
2 | Identification of the Reporting company when it is not given | Please specify the Identification of the Reporting company. | FCS_NF_002 |
3 | When economic activity is not given | Please provide the economic activity. | FCS_NF_003 |
4 | Please provide details for country name / equity share. | Please provide details for country name / equity share. | FCS_NF_008 |
5 | When provide details for country name / loan details is not given | Please provide details for country name / loan details. | FCS_NF_009 |
6 | When provide details for country name / amount details is not given | Please provide details for country name / amount details. | FCS_NF_011 |
7 | When the total equity capital of organization is not given | Please provide the total equity capital of the organization. | FCS_NF_004 |
8 | When foreign participation in equity capital cannot be more than total equity capital. | The foreign participation in equity capital cannot be more than total equity capital. | FCS_NF_005_PY |
9 | When foreign participation in equity capital cannot be more than total equity capital. | The foreign participation in equity capital cannot be more than total equity capital. | FCS_NF_005_CY |
10 | When foreign participation in equity capital cannot be more than total equity capital. | The foreign participation in equity capital cannot be more than total equity capital. | FCS_NF_005 |
11 | When Field 2: (2a) cannot be blank for both the years as company is foreign subsidiary. | Field 2: (2a) cannot be blank for both the years as company is foreign subsidiary. | FCS_NF_006 |
12 | When Field 2 cannot be blank for both the years as company is foreign associate. | Field 2 cannot be blank for both the years as company is foreign associate. | FCS_NF_007 |
13 | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | FCS_NF_012_PY |
14 | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | FCS_NF_012_CY |
15 | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | In part II, block 7, Total value of imports (7.1) cannot be less than sum of imports from foreign parent/associate/collaborator (7.1.1) and imports under collaboration arrangement (7.1.2). | FCS_NF_012 |
16 | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | FCS_NF_013_PY |
17 | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | FCS_NF_013_CY |
18 | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | In part II, block 7, Exports of goods (7.2.1) cannot be less than sum of export of goods produced under foreign collaboration agreements (7.2.1.1) and exports to/on behalf of/through foreign collaborator/associate (7.2.1.2). | FCS_NF_013 |
19 | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | FCS_NF_014_PY |
20 | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | FCS_NF_014_CY |
21 | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | In part II, block 7, Export of services and other foreign exchange earnings (7.2.2) cannot be less than exports to foreign collaborator/associate (7.2.2.1). | FCS_NF_014 |
22 | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | FCS_NF_015_PY |
23 | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | FCS_NF_015_CY |
24 | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | In part II, block 7, Total value of export on f. o. b. basis (7.2) cannot be less than sum of export of goods (7.2.1) and export of services and other foreign exchange earnings (7.2.2). | FCS_NF_015 |
25 | when company has foreign technical collaboration agreements, please provide the number of agreements. | Since your company has foreign technical collaboration agreements, please provide the number of agreements. | FCS_NF_016 |
26 | agreement details by providing information on all fields need to be filled | Please provide the agreement details by providing information on all fields. | FCS_NF_017 |
27 | Incomplete information. Please provide the agreement details for all the foreign technical collaboration agreements mentioned in field 11(b). | Incomplete information. Please provide the agreement details for all the foreign technical collaboration agreements mentioned in field 11(b). | FCS_NF_018 |
Business restrictions imposed on Paytm Payments Bank Limited vide Press Releases dated January 31 and February 16, 2024
National Common Mobility Card (NCMC) issued by Paytm Payments Bank
Coordinated Portfolio Investment Survey – India
Some important definitions and concepts
Ans: Debt securities are negotiable instruments serving as evidence of a debt. They include bills, bonds, notes, negotiable certificates of deposit, commercial paper, debentures, asset-backed securities, money market instruments, and similar instruments normally traded in the financial markets.
Retail Direct Scheme
Know Your Customer (KYC) related queries
Domestic Deposits
II. Deposits of Non-Residents Indians (NRIs)
Page Last Updated on: December 10, 2022