terms

bghUs; tiuaiw

(1) “bghUe;Jwj;jf;f rl;lk;” vd;gjd; bghUs;

bghWe;Jwj;jf;f rl;lk; vd;gjpd; bghUs; ve;j xU ,e;jpahtpy; cs;s ve;j xU murh';f Ms;it/ rl;lKiw Ms;it/ xG';Fkiw Mizak;/ jPu;g;ghak;/ thupak; my;yJ ePjpkd;wk; Mfpatw;why; gpwg;gpf;fg;gLk; midj;J cld;gof;if/ rl;l kd;wk; my;yJ ehlhSkd;wk; ,aw;wpa rl;lk;/ rl;lk; (neu;ikbewp tpjpfs; cl;gl)/ rl;lj;bjhFg;g[/ mtru rl;lk;. tpjpfs;/ jdpepiyr; rl;l tpjpfs;/ xG';FKiw tpjpfs;/ mwptpf;iffs;/ tHpKiwfs;/ bfhs;ifs;/ bewpKiwfs;/ tHpKiwfs;/ Mizfs;/ jPu;g;g[fs;/ jPu;g;ghizfs;/ mDkjpfs;/ cupk';fs;/ ,irt[fs;/ xg;g[jy;fs; my;yJ ,ju ve;j xU muR mjpfhupahy; tH';fg;gl;l mjpfhuk; kw;Wk; mt;tg;nghJ bra;ag;gl;l jpUj;j';fs; my;yJ eilKiw gLj;jg;gl;litfs;.

(2) “mog;gil fzf;F” vd;gJ xU thof;ifahsu; Apg;ghu; ntyl;/ ,J ghjp-_oa mikg;g[ gzk; brYj;Jk; Mtzk;/ Fiwe;j gl;r my;yJ mog;gil thof;ifahsupd; tpguk; bgw;Wf; bfhz;L tH';fg;gLtJ. me;j tpguk; vd;dbtdpy;/ thof;ifahsupd; bgau;/ kpd;d";ry;/ tpyhrk;/ ifngrp vz; Mfpaitfs; Ra mwptpg;g[ bra;ag;gl;lJ cl;gl/ ,J xU Kiw gpd; _yk; ru;pghu;g;g[ bra;ag;gLk;. 2005 Mk; Mz;L gznkhro jLg;g[ tpjpfs;/ tpjp 2(d),y; tptupf;fg;gl;Ls;s “ mYtyf uPjpahd kjpg;g[s;s Mtzk; “ ,y; jug;gl;Ls;sitfspy; VnjDk; xd;W _yk; jdpj;Jt milahs vz; rupghu;g;g[ bra;ag;gLk;/ ,J gzk; brYj;Jtjw;F mDkjp mspf;fpwJ. ,e;jpa upru;t; t';fp/ ,e;jpahtpy; Kd;-gzk; brYj;Jk; Mtzk; tH';Fjy; kw;Wk; bra;ghLfs; gw;wp jd;Dila Kjd;ik Rw;wwpf;if njjp 01/07/2016/ cld; gof;fg;gl;lJ RBI,d; Jtf;f tHpfhl;Ljy;fs; “Kd;-gzk; brYj;Jk; Kiwahtzk; tH';Fjy; kw;Wk; braw;ghLfs;”/ mt;tg;nghJ RBIMy; jpUj;jg;gl;lJ kw;Wk; ,izg;g[ nru;f;fg;gl;lJ/ ,jd; goKd;-gzk; brYj;Jk; Mtzk; tH';fg;gLk;. mj;jifa Apg;ghu; ntyl;oy; ve;j xU khj;jpy; gzk; Vw;wg;gLjy; kw;Wk; / my;yJ bkhj;j gzk; gw;W itg;gJ Rs.10,000/- (%gha; gj;jhapuk;)f;F kpfhky; ,Uf;f ntz;Lk; kw;Wk; xU epjp Mz;oy; bkhj;j gzk; Vw;WtJ Rs.1,00,000/- (%gha; xU ,yl;rk;)f;F kpfhky; ,Uf;f ntz;Lk;. ve;j xU neuj;jpYk;/ mj;jif a PPI,y; epYitj; bjhif Rs.10,000/- (%gha; gj;jhapuk;)f;F kpfhky; ,Uf;f ntz;Lk;.

(3) “fl;lzk;(';fs;)” my;yJ “nrit fl;lz';fs;” vd;gjd; bghUs;/ eP';fs; Apg;ghu; ntyl;il gad;gLj;Jtjw;fhf nru/ Apg;ghu; c';fs;kPJ tpjpf;Fk; fl;lzk;/

(4)” thof;ifahsu;”/ “gad;gLj;Jtu;” “eP';fs;” vd;gjd; bghUs;/ Apg;ghu; ntyl;il gad;gLj;jpf;bfhs;s ; Apg;ghuplk; gj[t[ bra;Js;s xU egu; kw;Wk; ,e;j tiuaPLfis xg;g[f;bfhz;ltu; kw;Wk; ,izajsj;jpw;F ,zf;fkhd fUtp brhe;jkhf / ,af;Fgtu; / itj;jpUg;gtu; kw;Wk; mj;jifa fUtp Ap;g;ghu; ntyl;ow;F bghUj;jkhdjhf ,Uf;Fk;.

(5) “gupR tH';Fjy;” vd;gjd; bghUs; ve;j kjpg;g[ tifapy; Rs. 100/- f;F nky; kw;bwhU gad;bgWgtUf;F mDg;gtjw;fhd trjp kw;Wk; ve;j xU kjpg;gpw;F gl;oayplg;gl;l bghUl;fis kw;bwhU gad;bgWgtUf;F mDg;g[jy;

(6) “ Apg;ghu; “vd;gjd; bghUs; Apg; ghu; gpiuntl; ypkpbll;.

(7) “ Apg;ghu; ntyl; “ vd;gjd; bghUs; Apg;ghu; tH';fpa Kd;-gzk; brYj;jg;gl;l Kiwahtzk;/ mog;gil fzf;F kw;Wk; “Kf;fpa fzf;F” cl;gl.

(8) “KYC” vd;gjd; bghUs; “c';fs; thof;ifahsiu mwpjy;;” kw;Wk; RBI mt;tg;nghJ tH';Fk; gy;ntW tpjpKiwfs;/ tpjpfs;/ rl;lk;/ 2016Mk; Mz;L RBI tH';fpa “c';fs; thof;ifahsiug; mwpjy;;” mt;tg;nghJ jpUj;jg;gl;lJ kw;Wk; eilKiwgLj;jg;gl;lJ cl;gl/ ,jd;fPH; Apg;ghu; c';fsplkpUe;J c';fSila jdpg;gl;l milahs jfty;fis/ ve;j nrit tH';Ftjw;F Kd;g[ bgw ntz;Lk;. thof;ifahsu; Apg;ghu; ntyl; nritfis gad;gLj;Jtjw;F kw;Wk; / my;yJ bjhlu;e;J gad;gLj;Jtjw;F/ c';fs; thof;ifahsiug; gw;wp bjupe;J bfhs;S';fs; Mtz';fis/ thof;ifahsuplkpUe;J Apg;ghu; gjpt[ bra;a[k; neuj;jpy; kw;Wk; / my;yJ gpd;tUk; ehspy; bgw;Wf; bfhs;Sk;.

(9) “tzpfu; epWtdk;” vd;gjd; bghUs;/ Apg;ghu; ntyl;il gad;gLj;jp gzk; bryj;Jtij Vw;Wf;bfhs;Sk; Apg;ghu; m';fPfupj;j neuoahd tzpfu;/ bjhiy tzpfu; kw;Wk; kw;w ve;j ,ju filfs;.

(10) “egu;-tiu-egu;” vd;gjd; bghUs;/ tiaPLfSf;F cl;gl;L/ Kf;fpa fzf;F itj;jpUf;Fk; thof;ifahsu;fSf;F kl;Lk; cs;sJ ,e;j trjp. ,jd;go gzk; xU Apg;ghu; ntyl;oypUe;J kw;w ,ju Apg;ghu; ntyl;Lf;F my;yJ ve;j xU nrkpg;g[ my;yJ elg;g[ fzf;fpw;F khw;wk; bra;ag;gLk;.

(11) “PPI” vd;gjd; bghUs;/ “Kd;-gzk; brYj;Jk; Kiwahtzk;

(12) Kf;fpa fzf;F vd;gjd; bghUs;/ xU thof;ifahsu; Apg;ghu; ntyl;/ mJ KYC ,zf;fk; bra;ag;gl;oUf;Fk; kw;Wk; ghjp-_oa mikg;g[ gzk; brYj;Jk; Mtzk; vd;W tif bra;ag;gl;Ls;sJ/ ,jd; _yk; egu;-tiu-egu; khw;wk; kw;Wk; milahsk; fhzg;gl;l midj;J tzpfu;fSf;F gzk; brYj;jyhk;/ ,jw;F RBI mDkjp tH';fpa[s;sJ/ jd;Dila Kjd;ik bewpa[Wj;jy; njjp 11/10/2017 kw;Wk; mt;tg;nghJ jpUj;jg;gl;lJ kw;Wk; ,izg;g[ nru;f;fg;gl;lJ. mj;jifa PPI,y; ve;j xU neuj;jpYk; epYitapy; cs;s bjhif / ve;j xU khjj;jpYk; Apg;ghu; ntyl;oy; Vw;wg;gl;l gzk; kw;Wk; / my;yJ bkhj;j gw;W bjhif Rs. 1,00,000/- (%gha; xU ,yl;rk;)f;F kpfhky; ,Uf;f ntz;Lk;.

(13) “RBI” vd;gjd; bghUs .,e;jpa upru;t; t';fp

(14) “btw;wpfukhd gjpt[” vd;gjd; bghUs; Fiwe;j tpguj;Jld; i!d; mg; (sign-up) bra;jy;. Fiwe;j tpguk; vd;gJ ifngrp vz;/ xU Kiw gpd; (OTP)_yk; rupghu;f;fg;gl;lJ kw;Wk; bgau; kw;Wk; mYtyf uPjpahd kjpg;g[s;s Mtzj;jpd; jdpj;Jt milahs vz;

(15) “SLA” vd;gjd; bghUs; nrit mst[ xg;ge;jk; mjhtJ vj;jid ehl;fSf;Fs; thof;fiahsupd; g[fhu; Apg;ghuhy; jPu;f;fg;gl ntz;Lk;.

(16) “guptu;j;jid” vd;gjd; bghUs; kw;Wk; cs;slf;fpaJ ) “egu;-tiu-egu; khw;wk;/ tzpfu; epWtdj;jpy; bghUl;fis my;yJ nritfis th';Fjy; / kw;Wk; / my;yJ Apg;ghu; ntyl;oy; gzk; Vw;WtJ.

Mtzkhf;Fjy;

(1) thof;ifahsupd; jftiy nrfupj;jy;/ rupghu;j;jy;/ jzpf;if kw;Wk; guhkupj;jy; xU bjhlu; epfH;t[ kw;wk; Apg;ghu;/ ve;j neuj;jpYk;/ bghUj;jkhd KYC ,z';f njitg;gLk; kw;Wk; bjhlu;g[ila eltof;iffs; vLg;gjw;fhd cupikia jf;fitj;Jf; bfhz;Ls;sJ. ve;j neuj;jpYk; nritfis epWj;Jk; / Apg;ghu; ntyl;il gad;gLj;j rku;g;gpf;fg;gLk; tpz;zg;g';fis epuhfupf;Fk; cupikia Apg;ghu; jf;f itj;Jf; bfhz;Ls;sJ.

(2) Apg;ghu; ntyl; bgw ntz;Lk; vd;w nehf;fj;njhL Apg;ghUf;F tH';fg;gll; jfty; Apg;ghuplnk ,Uf;Fk; kw;Wk; mjd; tp[Ug;go/ bghUe;Jwj;fj;f rl;lj;jpd;go ve;j xU nehf;fj;jpw;fhft[k; gad;gLj;jg;gLk;.

(3) eP';fs; KYC Mtz';fspy; tH';fg;gl;l jfty;fs; gjpt[bra;tjw;fhd gotj;jpy; jug;gl;Ls;s jfty;fs; rkkhf ,y;iy vdpy;/ Kf;fpa fzf;F itj;Jf;bfhs;s c';fSf;F jFjp ,y;iy.

Apg;ghu; ntyl;od; bghJ epge;jidfs;

(1) btw;wpfukhf gjpt[ bra;jt[ld; c';fSf;F mog;gil fzf;F tH';fg;gLk;. eP';fs; KYC Mtz';fis rku;g;gpj;j gpwF c';fSila fzf;F Kf;fpa fzf;fhf cau;j;jg;gLk;/ mJ gjpt[ bra;a[k; nghJ my;yJ gpd;tUk; ehspy; bra;ag;glyhk;(fPnH bfhLf;fg;gl;l Fwpg;gPL 2I ghu;f;ft[k;) kw;Wk mJ Ap;g;ghuhy; rupghu;f;fg;gLk; kw;Wk; xg;g[jy; mspf;fg;gLk;. Apg;ghu; ntyl; Kf;fpa fzf;F/ njitahd Mtz';fs; bgwg;gl;L kw;Wk; rupghu;f;fg;gl;l gpwF 4 (ehd;F) ntiy ehl;fSf;Fs; KLf;fptplg;gLk;. tpupthd mk;r';[fs;/ gjpt[ bray;Kiwfs;/ Mtz bray;Kiwfs;/ KYC njitfs;/ mDkjpf;fg;gl;l guptu;j;jidfs;/ nrit epWj;jk; bray;Kiw kw;Wk; nkw;fz;l nritfs; bjhlu;ghd ,ju tpgu';fSf;F jat[ bra;J vGjt[k; [email protected].

(2) xU mog;gil fzf;F itj;jpUg;gtu; tUk; fhyj;jpy; mnj ifngrp vz; kw;Wk; kpd;d";ry; Kftup itj;J kw;bwhU mog;gil fzf;if Jtf;Ftjw;F mDkjp fpilahJ.

(3) xU mog;gil fzf;F tH';fg;gl;l 18 khj';fs; fle;j gpwF/ me;j mog;gil fzf;F Kf;fpa fzf;fhf khw;wg;gLk;/ c';fSila KYC Mtz';fis rku;g;gpf;fg;gLtjw;F cl;gl;L/ jtWk; gl;rj;jpy; mj;jifa mog;gil fzf;fpy; nkw;bfhz;L ve;j tut[ itg;gjw;F mDkjp ,y;iy. ,Ue;jhYk;/ eP';fs; mog;gil fzf;fpy; cs;s ,Ug;g[j; bjhifia gad;gLj;Jtjw;F mDkjp cs;sJ.

(4) Apg;ghu; ntyl; kpd;dD totj;jpy; kl;Lnk kW-Vw;wg;gLjy; (recharge)bra;ag;gLk; kw;Wk; tH';fg;gLk;.

(5) eP';fs; c';fSila Apg;ghu; ntyl;oy;/ Apg;ghu; bkhigy; bray;ghl;oy; jug;gl;Ls;s ve;j Kiwapy; ntz;LkhdhYk; kW-Vw;wk; bra;J bfhs;syhk;. Apg;ghu; ntyl;oy; kW-Vw;wk; bra;tjw;fhd Kiwfs;/ thof;ifahsUf;F ve;j xU Kd; jftypd;wp khw;wk; bra;ag;gLk;.

(6) eP';fs; Fwpj;Jf; bfhs;s ntz;oaJ vd;dbtdpy;/ Apg;ghu; ntyl;oypUe;J gzk; buhf;fkhf vLf;f KoahJ. Apg;ghu; ntyl;oy; tutpy; cs;s bjhif/ tzpfu; epWtdj;jpd; epahakhd guptu;jidfSf;F gzk; brYj;j kl;Lk; gad;gLj;j Koa[k;.

(7) ,e;jpahtpy; trpf;Fk; egu;fSf;F kw;Wk; mtu;fs; ,Uf;Fk; khepyj;jpy;/ Fog;gjw;F rl;lg{u;t taJ cs;stu;fSf;F kl;Lk; Apg;ghu; ntyl; tH';fg;gLk;.

(8) Apg;ghu; ntyl;Lfis khw;wk; bra;a KoahJ.

(9) Apg;ghu; ntyl; Kf;fpa fzf;F : Apg;ghu; ntyl; Kf;fpa fzf;fpy; ve;j xU neuj;jpYk; mjpfgl;r gzj; bjhif itf;fg;gLk; mst[ Rs.1,00,000/- (%gha; xU ,yl;rk;). Apg;ghu; ntyl; Kf;fpa fzf;fpy; xU khjj;jpy; mDkjpf;fg;gl;l mjpf gl;r gzj; bjhif guptu;j;jidfs;Rs.1,00,000/- (%gha; xU ,yl;rk;) ve;j xU neuj;jpYk; Apg;ghu; ntyl; Kf;fpa fzf;F epYitapy; cs;s bjhif Rs.1,00,000/- (%gha; xU ,yl;rk;) mjpfkhf ,Uf;f TlhJ/

Apg;ghu; mog;gil fzf;F : Apg;ghu; mog;gil fzf;fpy; ve;j xU neuj;jpYk; mjpfgl;r gzj; bjhif itf;fg;gLk; kw;Wk; gad;gLj;jg;gLk; mst[ Rs.10,000/- (%gha; gj;jhapuk;;). Apg;ghu; ntyl; Kf;fpa fzf;fpy; xU epjp Mz;oy; Vw;wg;gLk; gzj; bjhif Rs.1,00,000/- (%gha; xU ,yl;rk;) mjpfkhf ,Uf;f TlhJ. ve;j xU neuj;jpYk; Apg;ghu; mog;gil fzf;fpy; epYitapy; cs;s bjhif Rs.10,000/- (%gha; gj;jhapuk;) mjpfkhf ,Uf;f TlhJ/

mt;tg;nghJ RBI tH';Fk; tHpfhl;Lk; bewpKiwfs; / mwptpf;iffs; MfpaitfSf;F cl;gl;L/ ,e;j mst[fs; kW Ma;t[ bra;ag;gl;L/ Apg;ghu; tpUg;gj;jpd;go ve;j xU Kd; mwptpg;gpd;wp khw;wk; bra;ag;gLk;.

(10) c';fSf;F tH';fg;gLk; Apg;ghu; ntyl; nritfs; ve;j neuj;jpYk;/ ve;j xU fhuzj;jpw;fhft[k;/ gpd;tUk; fhuzk; cl;gl/ Mdhy; ,itfs; kl;Lky;y/ ,il epWj;jk; / epWj;jk;; bra;ag;gLk;.

RBI mt;tg;nghJ tH';Fk; tpjpfs;/ bewpKiwfs;/ Mizfs;/ xG';F Kiw tpjpfs;/ mwptpf;iffs; Mfpaitfis kPWjy; my;yJ ,e;j xg;ge;jj;jpy; fz;Ls;s ve;j xU tiuaPLfs; kPWjy; ;
eP';fs; tH';fpa tpguk;(';fs;)/ Mtzk; my;yJ gjpt[ gotk; Mfpaitfspy; ve;j Kuz;ghL cs;sJ vd;W re;njfk; Vw;gl;lhy; ;
Mw;wy; kpf;f nkhro/ ehrntiy/ ntz;Lbkd;w mHpj;jy;/ njrpa ghJfhg;g[f;F mr;RWj;jy; nghd;wtw;iw vjpu;f;f my;yJ kw;w ,ju ve;j fl;Lg;gLj;j Koahf fhuz';fs; ;
bjhHpy;El;g njhy;tp/ khw;wk;/ nkk;gLj;Jjy;/khWghL/ ,lkhw;wk;/ gGJ ePf;fy; kw;Wk; / my;yJ guhkupg;g[/ mtru epiy my;yJ ve;j bjhHpy;El;g fhuz';fs;;
epyg;gug;g[ kw;Wk; g[tpapay; fl;Lg;ghLfs; kw;Wk; tuk;g[iu Mfpait fhuz';fspdhy; ve;j xU brYj;Jtjpy; (transmission)FiwghLfs ;
c';fSila Apg;ghu; ntyl; bjhlu;ghd bkhigy; ,izg;g[ bray;ghL epWj;jk; c';fs; trk; my;yJ c';fs; fl;Lg;ghl;oy; ,y;iy vdpy;;
xU ntis Apg;ghupd; epahakhd mgpg;uhaj;jpdhy; epWj;Jjy; / ,il epWj;jk; njitahdJ vd;why; ;

(11) c';fSila Apg;ghu; ntyl;oy; nrkpf;fg;gl;l gzj;bjhif/ ,e;j xg;ge;jj;jpy; fz;Ls;s tiuaPLfspd; kw;Wk; Kiwfspd;go kl;Lnk jpUg;gp jug;gLk; my;yJ tzpfu; epWtdj;jpy; epahakhd guptu;jidfSf;F gzk; brYj;j kl;Lk; gad;gLj;jg;gLk;.

(12) Apg;ghu; ntyl;oy; fhz;gpf;fg;gLk; ,Ug;gpy; cs;s gzj;jpw;F/ mJ Kf;fpa fzf;F my;yJ mog;gil fzf;F vJthf ,Ue;jhYk;/ ve;j xU tl;oa[k; Apg;ghu; brYj;jhJ.

(13) xnu xU Apg;ghu; ntyl;il kl;Lk; gad;gLj;j c';fSf;F mDkjp cs;sJ. ,jw;F ,z';fg;gltpy;iy vd;W re;njfk; Vw;gl;lhy;/ me;j fhuzj;jpw;fhf c';fs; kw;Wk; c';fSld; ,ize;j ve;j / midj;J Apg;ghu; ntyl;/ Apg;ghthy; ,il epWj;jk; / epWj;jk; bra;ag;gLk;.

(14) mog;gil fzf;F itj;jpUg;gtu;fs;/ ve;j neuj;jpYk; j';fSila Apg;ghu; ntyl;il Kot[ bra;tjw;F tpUg;gk; cs;sJ kw;Wk; ,Ug;gpy; cs;s bjhif/ Kot[ bra;a[k; neuj;jpy;/ mog;gil fzf;F itj;jpUg;gtu;/ mtUila tpUg;gj;jpd; mog;gilapy;/ mtUila brhe;j t';fp fzf;fpw;F (Apg;ghu; Kiwahf rupghu;g;g[ bra;ag;gl;l gpwF)/ mog;gil fzf;F itj;jpUg;gtupd; KYC njitfs; ,zf;fk; bra;j gpwF khw;wk;; bra;ag;gLk;. nkYk; mog;gil fzf;f itj;jpUg;gtu; vLf;fKoa kPjKs;s bjhif fzf;f Kot[ braa[k; nghJ ;“kPz;Lk; te;j ,lj;jpw;F” (mjhtJ gzk; brYj;Jjy; ve;j ,lj;jpypUe;J mog;gil fzf;F Vw;wg;gl;lnjh)

(15) ,ijg;nghd;W/ Kf;fpa fzf;F itj;jpUg;gtu;fs; Tl Apg;ghu; ntyl;il Koj;J kw;Wk; ,Ug;gpy; cs;s bjhifia bghUj;jkhd mstpw;F/ Apg;ghu; ntyl; Kf;fpa fzf;fpw;F khw;wk; bra;J bfhs;Sk; tpUg;g cupik cs;sJ. ,e;j nehf;fj;jpw;F Apg;ghu;/ Kf;fpa fzf;F itj;jpUg;gtUf;F xU tpUg;g[upik (Apg;ghu; ntyl; tH';Fk; neuk; cl;gl) tH';Fk; kw;Wk; Kf;fpa fzf;F itj;jpUg;gtu; Kd;-Rl;oaku;j;jg;gl;l t';fp fzf;F my;yJ kw;bwhU Ap[g;ghu; ntyl; (my;yJ vg;nghJ mDkjp mspf;fg;gLfpwnjh/ kw;w PPI tH';Fgtupd; ntyl;)/ xU ntis Kf;fpa fzf;F Kof;fg;gl;lhy;/ Apg;ghu; ntyl; Kf;fpa fzf;fpy; vLf;fg;gLfpd;w ,Ug;g[ bjhif mjw;F khw;wk; bra;ag;gLk;.

(16) Apg;ghu; ntyl; itj;jpUg;gtu;fs;/ mtu;fs; fzf;if Apg;ghUld; itj;Js;s fzf;if Kot[ bra;j gpwF/ fzf;F Kot[ bra;ag;gl;lJ vd;w jfty; /nfhUjy; rku;g;gpgj;j 15 ehl;

nkw;Twpaitfspy; fl;lzkpd;wp epfu gzk; (net of the charges)khw;wk; bra;ag;gLk;.

(1) c';fSila nfhupf;ifapd;go bra;ag;gl;l guptu;j;jidfSf;F cz;lhd gzj;ij kPsg;bgWtjw;F/ c';fSila Apg;ghu; ntyl;oy; cs;s gzk; epWj;jp itf;Fk; cupikia Apg;ghu; jf;f itj;Jf; bfhz;Ls;sJ/

(2) RBI mt;tg;nghj tH';Fk; tHpfhl;Ljy; bewpKiwapd;go guptu;j;jidf;fhd fl;lzk; tpjpf;fg;gLk;.

xU tUl fhyj;jpw;F Apg;ghu; ntyl;oy; ve;j xU gz guptu;jida[k; eilbgwtpy;iy vd;why; c';fSila Apg;ghu; ntyl; brayw;WtpLk; mj;jifa brayw;W ,Uf;Fk; Apg;ghu; ntyl;/ Kiwahf rupghu;j;jy; kw;Wk;; bghUj;jkhd Ma;t[ (due-diligence) bra;j gpwF kPz;Lk; brayhf;fk; bra;ag;gLk;. brayw;W cs;s ntyl;oy; kW-Vw;wk; my;yJ jpUk;g vLj;jy;/ tiuaiwg;o kPz;Lk; brayhf;fk; bra;ag;gLk; tiu bra;a KoahJ.

Apg;ghu; ntyl; jpUg;gp brYj;Jjy; bfhs;if

(1) Apg;ghu; ntyl;oy; btw;wpfukhf kW-Vw;wk; bra;jJ ,WjpahdJ/ jpUg;gp brYj;Jjy; / gupkhw;wk; bra;a KoahJ.

(2) gjpt[ bra;j ifngrp vz; _yk; Apg;ghu; ntyl;il gad;gLj;jp th';fg;gl;l midj;J bghUl;fs; kw;Wk; guptu;j;jidfSf;F gad;gLj;Jtu;fns bghWg;g[ milthu;fs;.

(3) gad;gLj;Jtu; kw;Wk; tzpfu; /nrit tH';Fgtu;; MfpnahUf;fpila ve;j guptu;jidapYk;/ ve;j xU neuj;jpYk;/ tzpfu; mspf;Fk; ve;j bghUl;fs; / nrifs; bjhlu;ghf Apg;ghu; brhe;j cupik my;yJ tzpfu; mspf;Fk; ve;j bghUl;fs; / nrifs; bjhlu;ghf ve;j cupik my;yJ nfhUjy; bjhlu;ghf typa[Wj;jy; bra;ahJ.

(4) ,uj;J bra;jy; / jpUg;gp brYj;Jjy;/ vjhtJ ,Ue;jhy;/ mJ tzpfupd; tiuaPLfs; kw;Wk; epge;jidfspd;go bra;ag;gLk;. jpUg;gp brYj;Jjy; / ,uj;J fl;lzk; bjhlu;ghd bray;fspy; Apg;ghUf;f ve;j g';Fk; ,y;iy. jpUg;gp brYj;Jjy; / ,uj;J bjhlu;ghf mjdy; vGk; ve;j fl;lzk; cl;gl/ Apg;ghu; bghWg;g[ ,y;iy.

(5) ,Ue;jhYk;/ gad;gLj;Jgtu; Apg;ghu; bkhigy; bray;ghL / tiyjsk; cgnahfg;gLj;jp guptu;j;jid bra;J kw;Wk; ve;j gzk; c';fSila ml;il my;yJ t';fp fzf;fpy; fl;lzk; kW-Vw;wk; bra;ag;gl;L kw;Wk; mj;jifa gzk; Apg;ghu; ntyl;oy; btw;wpfukhf jpUg;gp tut[ itf;fg;gltpy;iy vd;why;/ gad;gLj;Jgtupd; t';fp tiuaPLfspd;go me;j bjhif _y ,lj;jpw;F jpUg;gp brYj;jg;gLk; kw;Wk; gzk; gad;gLj;Jtupd; fzf;fpy; guptu;jid el;ej 5 – 7 ehl;fSf;Fs; gpujpgypg;g[ fhz;gpf;fg;gLk;.

(6) gad;gLj;Jgu;/ bkhigy; bray;ghl;oy; cs;s ,d;-mg;-rhl; nkhLy; (In-App chat module) my;yJ kpd;d";ry; _yk; Apg;ghu; thof;ifahsu; Mjut[ FGtplk; guptu;j;jidapy; tpguk; (t';fp bgau;/ uP-rhu;#; bjhif/ guptu;j;jid njjp/ guptu;j;jid Fwpg;g[ vz;) bjuptpf;fyhk;. Apg;ghu;/ guptu;jid Ma;t[ bra;J kw;Wk; gzk; btw;wpfukhf uPrhu;#; Mfhky;/ c';fSila ml;il my;yJ t';fp fzf;fpy; rhu;#; bra;ag;gl;Ls;sJ vd;W bjupe;jhy;/ gzj;ij jpUg;gp brYj;Jk; eltof;ifia vLf;Fk; kw;Wk; gzk; 5 – 7 ntiy ehl;fSf;Fs;/ mj;jifa jfty; mDg;gpa njjpapypUe;J gad;gLj;Jgtu; uP-rhu;#; bra;tjw;F cgnahfg;gLj;jpa _y fzf;fpw;F jpUg;gp brYj;jg;gLk;.

(7) Mu;lu; bra;j bghUl;fs; tH';fg;gltpy;iy my;yJ Mu;lu; jpUg;gp mDg;ggl;lhy; mjw;fhd bjhifia/ tzpfu; jpUg;gp brYj;Jjy; /neu;khwhf;Fjy; (reversals ) bra;jhy;/ me;jj; bjhif gad;gLj;Jgtupd; Apg;ghu; ntyl;oy; kW-tut[ itf;fg;gLk;.

(8) xU ntis Vw;fdnt cs;s gad;gLj;Jgu; Apg;ghu; nty;il Kot[Wj;jy; bra;a nfhupdhyu;/ vLf;fToa ,Ug;gpy; cs;s bjhif/ _y fzf;fpw;F (gad;gLj;Jgtupd; t';fp tiuaPLfspd;go) my;yJ gad;gLj;Jgtupd; kw;w t';fp fzf;fpw;F/ gad;gLj;Jgtupd; KYC tpguk; Kiwahf rupghu;g;g[ bra;j gpwF khw;wk; bra;ag;gLk;. vLf;fKoahj ,Ug;g[ mjhtJ nf\;ngf; ( cashback) neu;khwhf;fk; bra;ag;gLk;.

c';fs; thof;ifahsiu mwpjy;

“KYC” vd;gjd; RBI mt;tg;nghJ tH';Fk; gy;ntW tpjpKiwfs;/ tpjpfs;/ rl;lk;/ 2016Mk; Mz;L RBI tH';fpa “c';fs; thof;ifahsiug; gw;wp bjupe;J bfhs;S';fs;” mt;tg;nghJ jpUj;jggl;lJ kw;Wk; eilKiwgLj;jg;gl;lJ cl;gl/ ,jd;fPH; Apg;ghu; c';fsplkpUe;J c';fSila jdpg;gl;l milahs jfty;fis/ ve;j nrit tH';Ftjw;F Kd;g[ bgw ntz;Lk;. thof;ifahsu; Apg;ghu; ntyl; nritfis gad;gLj;Jtjw;F kw;Wk; / my;yJ bjhlu;e;J gad;gLj;Jtjw;F/ c';fs; thof;ifahsiug; mwpjy; Mtz';fis/ thof;ifahsuplkpUe;J Apg;ghu; gjpt[ bra;a[k; neuj;jpy; kw;Wk; / my;yJ gpd;tUk; ehspy;/ bghUj;jkhd rl;lk; kw;Wk; Apg;ghu; jdpa[upik bfhs;ifapd;go bgw;Wf; bfhs;Sk;/ eP';fs; xg;g[f; bfhz;lJ vd;dbtdpy;:

(1) rupahd kw;Wk; fhyj;jpw;nfw;w thof;ifahu; jfty;fs; nrfupj;jy;/ rupghug;g[ bra;jy;/ jzpf;if xU bjhlu; epfH;t[. KYCf;F,z';f njitahd/ bghUj;jkhd kw;Wk; bjhlu;g[ila eltof;iffis vLf;Fk; cupikia Apg;ghu; jf;f itj;Jf;bfhz;Ls;sJ.

(2) eP';fs; mspj;j jfty;fs; kw;Wk; / my;yJ Mtz';fs; Mfpatw;wpy; Kuz;ghLfs; ,Ue;jhy;/ ve;j neuj;jpYk;/ Apg;ghu; ntyl; nritfs; epWj;jk; bra;jy; / tpz;zg;g';fis epuhfupg;g[ bra;jy; cupikia eh';fs; jf;f itj;Jf; bfhz;Ls;nshk;. kw;Wk;

(3) bghUe;Jwj;jf;f rl;lk; my;yJ Apg;ghu; jdpa[upik cl;gl;L/; Apg;ghu; ntyl;il gad;gLj;j ntz;Lk; vd;w nehf;fj;njhL/ Apg;ghUf;F mspf;fg;gl;l jfty;fs; Apg;ghuplk; ,Uf;Fk; kw;Wk; bghUe;Jwj;jf;f rl;lk; my;yJ Apg;ghu; jdpa[upik Kuz;ghod;wp/ Apg;ghupd; tpUg;gj;jpd;go ve;j nehf;fj;jpw;fhft[k; gad;gLj;jg;gLk;.

mt;tg;nghJ RBI tH';Fk; tHpfhl;Ljy; bewpKiwfs; / mwptpf;iffs; cl;gl;L/ ve;j xU Kd; mwptpg;gpd;wp/ Apg;ghu; tpUg;gj;jpd;go KYC tpjpKiwfs; kWMa;t[ kw;Wk; khw;wk; bra;ag;gLk;.

thof;ifahsu;fs;/ m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidfisg; gw;wp mwptpj;jy;

(1) thof;ifahu;fs; fz;og;ghf SMS vr;rupf;if gjpt[ bra;a ntz;Lk; kw;Wk; kpd;dD gzk; bryJ;Jk; guptu;;j;jidfSf;F v';bfy;yhk; ,Uf;fpwnjh kpd;d";ry; vr;rupf;iff;F gjpt[ bra;a ntz;Lk;.

(2) ve;j xU gzk; brYj;Jjy; guptu;j;jidf;F SMS vr;rupf;if thof;ifahsu;fSf;F mDg;ggLk;. xU ntis kpd;d";ry; vr;rupf;iff;F gjpt[ bra;jpUe;jhy;/ gjpt[ bra;ag;gl;l kpd;d";ry; Kftupf;F mDg;ggLk;. guptu;j;jid vr;rupf;if jftypy;/ m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid my;yJ Ml;nrgiz bjhlu;ghf/ ve;j vz;zpy; bjhlu;g[ bfhs;s ntz;Lk; vd;W bjuptpf;fg;gLk;.

(3) thof;ifahsu;fs; m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid Toa tpiutpy; bjuptpf;f ntz;Lk; kw;Wk; c';fSf;F bjuptpf;fg;gLtJ vd;dbtdpy;/ eP';fs; Apg;ghuplk; bjuptpf;f mjpf neuk; vLj;Jf; bfhz;lhy;/ Apg;ghu; / thof;ifahsu; mjpf mst[ ,Hg;gpw;fhd Mgj;J cs;sJ.

(4) m';fPfhukw;w; guptu;j;jid /bjhiye;J nghjy; my;yJ jpUL nghd;wtw;iw bjuptpf;f ntz;oa jfty; Apg;ghu; thof;ifahsu;fSf;F tH';Fk;. thof;ifahsu; FiwjPu;j;jy; bfhs;ifapy; bjhlu;g[ bfhs;s ntz;oa jfty; cs;sJ.

(5) bjhiye;J nghjy; /nkhro Mfpatw;iw mwptpf;f Vw;gLj;jg;gl;Ls;s Kiw/ thof;ifahsu;fSf;F cldo gjpy; Fwpg;g[ (jhdhf-gjpy; Fwpg;g[ cl;gl) g[fhu; bgwg;gl;lJ vd;W xg;g[if kw;Wk; g[fhu; gjpt[ vz; mDg;gLk;. PPI tH';Fgtu; gad;gLj;Jk; bjhlu;g[ Kiw/ vr;rupf;if mDg;g[k; kw;Wk; mtu;fSila gjpw;Fwpg;g[ bgwt[k; kw;Wk; mtu;fs; jfty; bgw;w kw;Wk; thof;ifahsu; gjpw;Fwpg;g[ bgw;w njjp kw;Wk; neuk; VjhtJ ,Ue;jhy;/ Mfpaitfis gjpt[ bra;a[k;;. m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid bjhlu;ghd g[fhu; bgw;wt[ld;/ nkYk; m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid elg;gij jtpu;f;f njitahd eltof;iffis Apg;ghu; cldoahf vLf;Fk;/

(6) m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidahy; / thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid PPI _yk; Vw;gl;lhy; thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

(a) g';fspg;g[ nkhro /ftdf;Fiwt[/ FiwghL Mfpait gw;wp Apg;ghupd; fUj;J

( b ) 3tJ ghu;o kPWjypdhy;. FiwghL Apg;ghuplnkh my;yJ thof;ifahsuplnkh ,y;iy khwhf mJ Kiwapy; ntW v';nfnah cs;sJ/ kw;Wk; thof;ifahsu; Apg;ghuplk; gzk; brYj;Jjy; guptu;j;jid gw;wp bjuptpf;fpwhu;. mj;jifa epfH;t[fspy;/ ,e;j guptu;j;jidapy; thof;ifahsupd; bghWg;g[ guptu;j;jid bjhlu;ghf thof;ifahsu; jfty; bgw;wjpypUe;J fhyk;fle;j ehl;fspd; vz;zpf;ifia bghWj;jJ.

(i) 3 ehl;fSf;Fs;

(ii) 4 ,Ue;J 7 ehl;fSf;Fs;

(iii) 3 ehl;fSf;Fnky;;

(c) thof;ifahsupd; ftdf;Fiwthy; Vw;gl;l epfH;t[fspy;/ mj;jifa jUz';fspy; mtu; / mts; gfpu;e;jhy; thof;ifahsu; KG ,Hg;iga[k; Vw;f ntz;Lk;/ mtu; / mts; PPI,lk; m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid bjuptpf;Fk; tiu/ m';fPfhukw;w guptu;j;jid bjuptpj;j gpwF Apg;ghu; Vw;Fk;.

g{#;#pak; bghWg;g[f;F / Fiwe;j bghWg;g[f;f bjuptpf;f ntz;oa fhy mtfhrk;.

(1) thof;ifahsu; bjuptpj;j gpwF/ Apg;ghu; m';fPfhukw;w kpd;dD gzk; bryj;jpa guptu;j;jidf;F cs;shfpa bjhifia/ mj;jia mwptpg;ig thof;ifahsu; tH';fpa njjpapypUe;J 10 ehl;fSf;Fs;/ Apg;ghUf;F bghUj;jkhd mjpfgl;r mDkjpf;fg;gl;l mst[/ mj;jifa neu;khwhf;Fjy; ,Ue;j nghjpYk;/ Apg;ghu; thof;ifahsupd; fzf;fpy; tut[ itg;ghu;/

(2) g[fhu; bgw;w njjpapypUe;J 90 ehl;fSf;f kpfhky; g[fhu; epUgzk; bra;ag;gl;lhy; g[fhu; jPu;f;fg;gLtija[k; kw;Wk; thof;ifahsupd; bghWg;gia[k; Apg;ghu; cWjp bra;a[k;.

thof;ifahsu; bghWg;g[fs;

(1) Apg;ghu; ntyl; fpilf;fjf;fjhf ,Uf;Fk; vd;gJ/ bray;gLk; ifngrp guhkupg;g[ kw;Wk; / my;yJ bjhlu;g[ila bjhiybjhlu;g[ tH';Feu; ,izajsk; ,izg;g[. Apg;ghu; ntyl; fpilf;fjf;fjhf ,Uf;Fk; vd;gJ bray;gLk; ifngrp guhkupg;g[ kw;Wk; nrit bray;gLk; ,ju bkd;bghUs; / td;bghUs;. bkhigy; ifngrp my;yJ ,izajs tH';Fgtu;/ Apg;ghu; ntyl; nrdy; my;yJ bray;ghL Mjut[ jutpy;iy vd;gjhy; Apg;ghu; nrit fpilf;fg; bgwtpy;iy vdpy; mjw;F KGtJk; thof;ifahsu; bghWg;g[ milthu;.

(2) ve;j guptu;j;jid epiwntw;wtjw;f Kd;g[/ c';fSila Ap[g;ghu; ntyl;oy; nghJkhd gzk; ,Ug;gij cWjp eP';fs; cWjp bra;a ntz;Lk;.

(3) xU Kiw gpd;/ ,ufrpaj;jpw;F kw;Wk; ghJfhg;gpw;F eP';fns KG bghWg;g[. xU Kiw gpd;Df;F eP';fs;jhd; KG cupikahsu; kw;Wk; xU Kiw gpd;id btspapLjy; my;yJ m';fPfuhkw;W Apg;ghu; ntyl;il gad;gLj;Jtjpdhy; cz;lhFk; tpist[fSf;F eP';fs;jhd; bghWg;g[. xU ntis Apg;ghu; ntyl;Lf;F bjhlu;g[ila ifngrp /rpk; ml;il/ bjhiye;jhy; / jpUlg;gl;lhy; / jtwpdhy; / c';fs; fl;Lg;ghl;oy; ,y;iy vd;why; mijg; gw;wp eP';fs; Apg;ghuplk; cldoahf bjuptpf;f ntz;Lk;/ mj;jifa jfty; bgwg;gl;lt[d;/ Apg;ghu; bjhlu;g[ila fzf;if Klf;fg;gLk;.

(4) Fwpg;gpl;l tzpfu; epWtdj;jplk; Vw;gLk; midj;J guptu;j;jidfSf;Fk; eP';fs; Apg;ghu; ntyl;il kl;Lnk gad;gLj;j ntz;Lk;. tzpfu; epWtdj;jpd; gl;oay; https://gifting.hipbar.com ,y; jug;gl;Ls;sJ kw;Wk; ve;j xU Kd; mwptpg;gpd;wp Apg;ghupd; tpUg;gj;jpd;go mjpy; khw;wk; bra;ag;gLk;

(5) eP';fs; Apg;ghu; ntyl;il bghUe;Jwj;jf;f rl;lk;/ xG';FKiwfs;/ tHpfhl;Ljy; bewpKiwfs;/ ePjpKiwj; jPu;g;g[/ Apg;ghu; bfhs;iffs; my;yJ muR bfhs;if Mfpatw;wpw;F vjpuhf my;yJ Kuzhf my;yJ Apg;ghu; ed;kjpg;gpw;F Fe;jfk; tpistpf;Fk; braYf;F khwhf gad;gLj;jf; TlhJ.

(6) eP';fs; xg;g[f; bfhz;lJ kw;Wk; g[upe;Jbfhz;lgJ vd;dbtdpy;/ Apg;ghu; ntyl; c';fSila ifngrpald; ,izf;;fg;gl;Ls;sJ kw;Wk; ifngrp bjhiyjy; /jpULjy; / jtwhf gad;gLj;Jjy; my;yJ rk;ge;jg;gl;l bjhiybjhlu;g[ tH';Feu; nrit bjhlu;ghd bkhigy; ,izg;ig braypHf;f bra;jy; Mfpatw;why; Vw;gLk; midj;Jf;Fk; eP';fs;jhd; KG bghWg;g[.

(7) nrit bgWtjw;fhf rku;g;gpf;fg;gl;l jfty; kw;Wk; / my;yJ Ap[g;ghu; ntyl;il gad;gLj;Jtjw;fhf mspf;fg;gl;l jfty;/ bghUe;Jwj;jf;f rl;lk; kw;Wk; Apg;ghu; jdpa[upik bfhs;if cl;gl;L/ 3tJ ghu;ofsplk; Apg;ghu; gfpUk;.

(8) Apg;ghu; ntyl; Kf;fpa fzf;F itj;jpUg;gtu;fs;/ Apg;ghu; bray;ghl;il gad;gLj;jp gupR tH';fpapUe;jhy; nfl;Fk; nghJ/ gad;bgWgtupd; KG jfty;fis (,tu; Tl Apg;ghu; ntyl; Kf;fpa fzf;F itj;jpUg;gtu;/ RBI my;yJ muRf;F tH';Ftjw;fhf)/ vg;nghbjy;yhk; nfl;fg;gLfpwnjhu mg;nghbjy;yhk; mspg;ghu;.

(9) guptu;j;jidfs; ve;j xU btspehl;L ehzaj;jpw;F gad;gLj;jtpy;iy vd;gij eP';fs; cWjp bra;a ntz;Lk;. Apg;ghu; ntyl; ,e;jpahtpy; kl;Lnk tH';fg;gLk; kw;Wk; bry;Yk; kw;Wk; ,e;jpahtpy; cs;s tzpfu; epWtdj;jplk; kl;Lnk gad;gLj;jg;gLk;.

(10) nkny Fwpg;gpl;Ls;stw;iwj; jtpu/ eP';fs; xg;g[f; bfhz;lJ vd;dbtdpy;/ eP';fs; Apg;ghu; bray;ghLfis / tiyjsj;ij gpd;tUk; mjhtJ fhz;gpf;f/ gjpntw;w/ khw;wk; bra;a/ btspapl/ gug;g/ gupkhw;w/ g[Jg;gpf;f my;yJ gfpu nghd;w bray;fs; bra;a gad;gLj;jg;gl khl;lhJ

(a) kpft[k; jP';F tpistpf;Fk;/ Jd;g[Wj;jy;/ ,Hpt[gLj;Jk;/ mtJ]W/ mUtUf;fj;jf;f/ Mghrkhd/ mtJ]whd/ kw;bwhUtupd; jdpa[upikapy; EiHa[k;/ btWg;g[ my;yJ ,dk;rhue;J/ mwj;jpw;F Ml;nrgidahf/ ,Hpe;Jiuj;jy;/ gznkhro bjhlu;ghd my;yJ Cf;Ftpf;Fk; my;yJ r{jhl;lk; my;yJ rl;;l tpnuhjkhf ntW ve;j tifapy;;

(b) ve;j fhg;g[upik/ tzpf Kj;jpiu/ gjpg;g[upik my;yJ cilik cupik kPwy;;

(c) itu!; cs;sitfs;/ rpije;j nfhg;g[fs; my;yJ kw;w ve;j xj;j bkd;bghUs;/ ve;j fzpzp gad;ghl;il FWf;fPLk;/ mHpf;Fk; g;nuhf;uhk; my;yJ kw;bwhU egupd; fzpzp/ mjd; tiyjsk;/ ve;j bkd;bghUs; my;yJ td;bghUs; my;yJ bjhiy bjhlu;g[ rhjd';fspd; bray;ghl;il nkhrkhf ghjpf;Fk;;

(d) tpahghu nehf;Fld; ve;j bghUl;fs; tpw;gid bra;a my;yJ nritfs; tH';f ve;j tzpf nehf;fj;Jld;;

nkw;Twpaitfspy; fl;lzkpd;wp epfu gzk; (net of the charges)khw;wk; bra;ag;gLk;.

(1) c';fSila nfhupf;ifapd;go bra;ag;gl;l guptu;j;jidfSf;F cz;lhd gzj;ij kPsg;bgWtjw;F/ c';fSila Apg;ghu; ntyl;oy; cs;s gzk; epWj;jp itf;Fk; cupikia Apg;ghu; jf;f itj;Jf; bfhz;Ls;sJ/

(2) RBI mt;tg;nghj tH';Fk; tHpfhl;Ljy; bewpKiwapd;go guptu;j;jidf;fhd fl;lzk; tpjpf;fg;gLk;.

Apg;ghu; ntyl; jpUg;gp brYj;Jjy; bfhs;if

(1) Apg;ghu; ntyl;oy; btw;wpfukhf kW-Vw;wk; bra;jJ ,WjpahdJ/ jpUg;gp brYj;Jjy; / gupkhw;wk; bra;a KoahJ.

(2) gjpt[ bra;j ifngrp vz; _yk; Apg;ghu; ntyl;il gad;gLj;jp th';fg;gl;l midj;J bghUl;fs; kw;Wk; guptu;j;jidfSf;F gad;gLj;Jtu;fns bghWg;g[ milthu;fs;.

c';fs; thof;ifahsiu mwpjy;

mt;tg;nghJ RBI tH';Fk; tHpfhl;Ljy; bewpKiwfs; / mwptpf;iffs; cl;gl;L/ ve;j xU Kd; mwptpg;gpd;wp/ Apg;ghu; tpUg;gj;jpd;go KYC tpjpKiwfs; kWMa;t[ kw;Wk; khw;wk; bra;ag;gLk;.

thof;ifahsu;fs;/ m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidfisg; gw;wp mwptpj;jy;

(1) thof;ifahu;fs; fz;og;ghf SMS vr;rupf;if gjpt[ bra;a ntz;Lk; kw;Wk; kpd;dD gzk; bryJ;Jk; guptu;;j;jidfSf;F v';bfy;yhk; ,Uf;fpwnjh kpd;d";ry; vr;rupf;iff;F gjpt[ bra;a ntz;Lk;.

(6) m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidahy; / thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid PPI _yk; Vw;gl;lhy; thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

(a) g';fspg;g[ nkhro /ftdf;Fiwt[/ FiwghL Mfpait gw;wp Apg;ghupd; fUj;J

(i) 3 ehl;fSf;Fs;

(ii) 4 ,Ue;J 7 ehl;fSf;Fs;

(iii) 3 ehl;fSf;Fnky;;

g{#;#pak; bghWg;g[f;F / Fiwe;j bghWg;g[f;f bjuptpf;f ntz;oa fhy mtfhrk;.

(2) g[fhu; bgw;w njjpapypUe;J 90 ehl;fSf;f kpfhky; g[fhu; epUgzk; bra;ag;gl;lhy; g[fhu; jPu;f;fg;gLtija[k; kw;Wk; thof;ifahsupd; bghWg;gia[k; Apg;ghu; cWjp bra;a[k;.

thof;ifahsu; bghWg;g[fs;

(2) ve;j guptu;j;jid epiwntw;wtjw;f Kd;g[/ c';fSila Ap[g;ghu; ntyl;oy; nghJkhd gzk; ,Ug;gij cWjp eP';fs; cWjp bra;a ntz;Lk;.

(b) ve;j fhg;g[upik/ tzpf Kj;jpiu/ gjpg;g[upik my;yJ cilik cupik kPwy;;

(d) tpahghu nehf;Fld; ve;j bghUl;fs; tpw;gid bra;a my;yJ nritfs; tH';f ve;j tzpf nehf;fj;Jld;;

(e) tpsk;gu nritfs;/ bghUl;fs;/ fzf;bfLg;g[/ nghl;ofs;/ gpukpl; jpl;lk;/ !;ngk;/ ntz;lg;glhj tpsk;guk; my;yJ tpsk;gu bghUl;fs; my;yJ bjhlu; foj';fs;;

(f) ve;j Mrpupau; ,yf;fz';fis bgha;ahf;Fjy; my;yJ ePf;Fjy;/ rl;lg{u;t my;yJ ,ju Kiwahf mwptpg;g[fs; my;yJ jdpg;gl;l gjtp bgau; my;yJ bjhlf;f nygpy; my;yJ bkd;bghUspd; my;yJ kw;w bghUl;fspd; _yk;

(g) jw;nghH mKypy; cs;s ve;j rl;lj;ij kPWjy;

(g) kw;bwhU egUf;F brhe;jkhd kw;Wk; mjd;kPJ c';fSf;F ve;j cupika[k; ,y;yhjjJ

(h) Apg;ghu; tiyjsk;/ ru;tu;!; my;yJ bel;bthu;f; Mfpaitfspy; FWf;fPL bra;jy;

(i) kw;w ve;j xU egiua[k; Ms;khwhl;lk; bra;a Kaw;rpj;jy;

(k) ve;j tiapYk; cupa taJ tuhjtUf;F jP';F bra;jy;

(m) jiyg;g[fis nghypahf;Fjy; my;yJ milahsk; fhl;Lgtu;fis my;yJ kw;w jfty;fis r{H;r;rpa[ld; ifahSjy;/ mjd;go tisjsj;jpd; _yk; mDg;ggl;lifspd; _yk; khWgLj;Jjy; my;yJ mjd; tiyjsj;jpy; c';fSila ,Ug;ig r{H;r;rpahf ifahSjy;;

(n) ve;jbthU rl;ltpnuhj bray;fspy; <LgLjy;

(o) ,e;jpahtpd; xw;Wik/ xUikg;ghL/ ghJfhg;g[/ ,iwahz;ik/ btspehl;LfSld; cs;s ey;Ywt[ my;yJ bghJ xG';F MfpaitfSf;F mr;RWj;jy; my;yJ ve;j xU Fw;wj;ij bra;tjw;F J]z;Ljy; my;yJ ve;j xU Fw;wk; gw;wpa tprhuizia jLf;f my;yJ ntw ve;j xU ehl;ila[k; mtkjpf;f

thof;ifahsu; ghJfhg;g[ kw;Wk; Fiw jPu;j;jy;

jat[bra;J ,';nf jug;gl;Ls;s v';fSila thof;ifahsu; FiwjPu;j;jy; bfhs;ifia ghu;f;ft[k;

(e) tpsk;gu nritfs;/ bghUl;fs;/ fzf;bfLg;g[/ nghl;ofs;/ gpukpl; jpl;lk;/ !;ngk;/ ntz;lg;glhj tpsk;guk; my;yJ tpsk;gu bghUl;fs; my;yJ bjhlu; foj';fs;;

(f) ve;j Mrpupau; ,yf;fz';fis bgha;ahf;Fjy; my;yJ ePf;Fjy;/ rl;lg{u;t my;yJ ,ju Kiwahf mwptpg;g[fs; my;yJ jdpg;gl;l gjtp bgau; my;yJ bjhlf;f nygpy; my;yJ bkd;bghUspd; my;yJ kw;w bghUl;fspd; _yk;

(g) jw;nghH mKypy; cs;s ve;j rl;lj;ij kPWjy;

(g) kw;bwhU egUf;F brhe;jkhd kw;Wk; mjd;kPJ c';fSf;F ve;j cupika[k; ,y;yhjjJ

(h) Apg;ghu; tiyjsk;/ ru;tu;!; my;yJ bel;bthu;f; Mfpaitfspy; FWf;fPL bra;jy;

(i) kw;w ve;j xU egiua[k; Ms;khwhl;lk; bra;a Kaw;rpj;jy;

(k) ve;j tiapYk; cupa taJ tuhjtUf;F jP';F bra;jy;

(n) ve;jbthU rl;ltpnuhj bray;fspy; <LgLjy;

thof;ifahsu; ghJfhg;g[ kw;Wk; Fiw jPu;j;jy;

jat[bra;J ,';nf jug;gl;Ls;s v';fSila thof;ifahsu; FiwjPu;j;jy; bfhs;ifia ghu;f;ft[k;

fSf;Fs; gzk; jpUg;gp brYj;jg;gLk;.

Apg;ghu; ntyl; fl;lz';fs; kw;Wk; bry;Yk; jd;ik

(1) Apg;ghu; fl;lzk; brYj;Jtjw;F tiuaWj;j totk; kw;Wk; Kiwapd;go mj;jifa fl;lz';fs; eP';fs; brYj;j ntz;Lk;. Apg;ghu; ve;j xU Kd; mwptpg;gpd;wp/ jd;Dila tpUg;gj;jpd;go nrit fl;lz';fs; khWjY;/ jpUj;jk;/ cau;jy; my;yJ Fiwj;jy; bra;a[k;.

(2) eP';fs; xg;g[f;bfhz;lJ vd;dbtdpy;. Apg;ghu; jd;Dila jdpg;gl;l tpUg;gj;jpd;go/ Mdhy; nghJkhd 15 ehs; mwptpg;g[ tH';fp/ fUj;JU jsk; re;jh fl;lzk; jfty; tH';Fk; kw;Wk; mjid nkw;bfhs;Sk;. Apg;ghu; ntyl; itj;jpUg;gtu;fs;/ tpyf tpUk;gpdhy; mtu;fs; mjw;fhd mwptpg;ig tH';fp mjd;gpd; 15 ehl;fSf;Fs; Apg;ghu; ntyl;il Koj;J bfhs;syhk; kw;Wk; vLf;fToa ,Ug;g[ gzk; (VjhtJ ,Ue;jhy;) ,e;j tiuaPLfspd;go jpUg;gp bfhLf;fg;gLk;.

(3) c';fs; Apg;ghu; ntyl;oy; cs;s ve;j xU gz kjpg;g[/ ve;j xU guptu;jidf;F gzk; brYj;j gad;gLj;jg;gl;lhy;/ mJ jhdhfnt c';fs; Apg;ghu; ntyl;oy; gw;W itf;fg;gLk;. c';fs; Apg;ghu; ntyl;oy; gw;W itg;gJ kw;Wk;; mjidj; bjhlu;e;J eP';fs; guptu;j;jid bra;j tzpfu; epWtdj;jpw;F gzk; brYj;JtJ kl;Lk;jhd; Apg;ghupd;bghWg;g[. Apg;ghu; ntyl;il gad;gLj;jp th';fpa my;yJ th';ff;Toa bghUs; gw;wp Apg;ghu; Vw;gpirt[/ Cf;Ftpj;jy;/ gpur;rhuk; my;yJ cj;juthjk; Mfpaitfis bra;ahJ.

(4) c';fSila Apg;ghu; ntyl;oy; ve;j xU gzk; Vw;wpajw;F my;yJ Apg;ghu; ntyl;il gad;gLj;jp gzk; brYj;jpajw;F / bryt[ bra;jjw;F/ Apg;ghu; c';fs;kPJ fl;lzk; /juFtpjpf;Fk; cupikia jf;f itj;Jf;bfhz;Ls;sJ.

guptu;j;jidapd; jd;ik	fl;lzk;
ntyl;oy; gzk; Vw;Wjy;	VJkpy;iy
tzpfu; epwtdj;jpy; th';fpajw;F	VJkpy;iy
ntyl;oypUe;J ntyl;ow;F khw;wk;	VJkpy;iy
ntyl;oypUe;J t';fpf;F khw;wk; (Kf;fpa fzf;F)	4%
_y fzf;fpw;F jpUg;gp brYj;Jjy;	VJkpy;iy

nkw;Twpaitfspy; fl;lzkpd;wp epfu gzk; (net of the charges)khw;wk; bra;ag;gLk;.

(1) c';fSila nfhupf;ifapd;go bra;ag;gl;l guptu;j;jidfSf;F cz;lhd gzj;ij kPsg;bgWtjw;F/ c';fSila Apg;ghu; ntyl;oy; cs;s gzk; epWj;jp itf;Fk; cupikia Apg;ghu; jf;f itj;Jf; bfhz;Ls;sJ/

(2) RBI mt;tg;nghj tH';Fk; tHpfhl;Ljy; bewpKiwapd;go guptu;j;jidf;fhd fl;lzk; tpjpf;fg;gLk;.

Apg;ghu; ntyl; jpUg;gp brYj;Jjy; bfhs;if

(1) Apg;ghu; ntyl;oy; btw;wpfukhf kW-Vw;wk; bra;jJ ,WjpahdJ/ jpUg;gp brYj;Jjy; / gupkhw;wk; bra;a KoahJ.

(2) gjpt[ bra;j ifngrp vz; _yk; Apg;ghu; ntyl;il gad;gLj;jp th';fg;gl;l midj;J bghUl;fs; kw;Wk; guptu;j;jidfSf;F gad;gLj;Jtu;fns bghWg;g[ milthu;fs;.

c';fs; thof;ifahsiu mwpjy;

mt;tg;nghJ RBI tH';Fk; tHpfhl;Ljy; bewpKiwfs; / mwptpf;iffs; cl;gl;L/ ve;j xU Kd; mwptpg;gpd;wp/ Apg;ghu; tpUg;gj;jpd;go KYC tpjpKiwfs; kWMa;t[ kw;Wk; khw;wk; bra;ag;gLk;.

thof;ifahsu;fs;/ m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidfisg; gw;wp mwptpj;jy;

(1) thof;ifahu;fs; fz;og;ghf SMS vr;rupf;if gjpt[ bra;a ntz;Lk; kw;Wk; kpd;dD gzk; bryJ;Jk; guptu;;j;jidfSf;F v';bfy;yhk; ,Uf;fpwnjh kpd;d";ry; vr;rupf;iff;F gjpt[ bra;a ntz;Lk;.

(6) m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jidahy; / thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

m';fPfhukw;w gzk; brYj;Jjy; guptu;j;jid PPI _yk; Vw;gl;lhy; thof;ifahsUf;F vGk; bghWg;g[ tuk;g[:

(a) g';fspg;g[ nkhro /ftdf;Fiwt[/ FiwghL Mfpait gw;wp Apg;ghupd; fUj;J

(i) 3 ehl;fSf;Fs;

(ii) 4 ,Ue;J 7 ehl;fSf;Fs;

(iii) 3 ehl;fSf;Fnky;;

g{#;#pak; bghWg;g[f;F / Fiwe;j bghWg;g[f;f bjuptpf;f ntz;oa fhy mtfhrk;.

(2) g[fhu; bgw;w njjpapypUe;J 90 ehl;fSf;f kpfhky; g[fhu; epUgzk; bra;ag;gl;lhy; g[fhu; jPu;f;fg;gLtija[k; kw;Wk; thof;ifahsupd; bghWg;gia[k; Apg;ghu; cWjp bra;a[k;.

thof;ifahsu; bghWg;g[fs;

(2) ve;j guptu;j;jid epiwntw;wtjw;f Kd;g[/ c';fSila Ap[g;ghu; ntyl;oy; nghJkhd gzk; ,Ug;gij cWjp eP';fs; cWjp bra;a ntz;Lk;.

(b) ve;j fhg;g[upik/ tzpf Kj;jpiu/ gjpg;g[upik my;yJ cilik cupik kPwy;;

(d) tpahghu nehf;Fld; ve;j bghUl;fs; tpw;gid bra;a my;yJ nritfs; tH';f ve;j tzpf nehf;fj;Jld;;

(e) tpsk;gu nritfs;/ bghUl;fs;/ fzf;bfLg;g[/ nghl;ofs;/ gpukpl; jpl;lk;/ !;ngk;/ ntz;lg;glhj tpsk;guk; my;yJ tpsk;gu bghUl;fs; my;yJ bjhlu; foj';fs;;

(f) ve;j Mrpupau; ,yf;fz';fis bgha;ahf;Fjy; my;yJ ePf;Fjy;/ rl;lg{u;t my;yJ ,ju Kiwahf mwptpg;g[fs; my;yJ jdpg;gl;l gjtp bgau; my;yJ bjhlf;f nygpy; my;yJ bkd;bghUspd; my;yJ kw;w bghUl;fspd; _yk;

(g) jw;nghH mKypy; cs;s ve;j rl;lj;ij kPWjy;

(g) kw;bwhU egUf;F brhe;jkhd kw;Wk; mjd;kPJ c';fSf;F ve;j cupika[k; ,y;yhjjJ

(h) Apg;ghu; tiyjsk;/ ru;tu;!; my;yJ bel;bthu;f; Mfpaitfspy; FWf;fPL bra;jy;

(i) kw;w ve;j xU egiua[k; Ms;khwhl;lk; bra;a Kaw;rpj;jy;

(k) ve;j tiapYk; cupa taJ tuhjtUf;F jP';F bra;jy;

(n) ve;jbthU rl;ltpnuhj bray;fspy; <LgLjy;

thof;ifahsu; ghJfhg;g[ kw;Wk; Fiw jPu;j;jy;

jat[bra;J ,';nf jug;gl;Ls;s v';fSila thof;ifahsu; FiwjPu;j;jy; bfhs;ifia ghu;f;ft[k;

Apg;ghu; ntyl; - gad;gLj;Jtjw;fhd tiuaPLfs; (tiuaPLfs;)