अक्सर पूछे जाने वाले प्रश्न (एफएक्यू)
- अचल संपत्ति में निवेश
- प्रतिभूतियों, शेयरों, और कंपनी जमा में निवेश
- सरकारी प्रतिभूतियां और ऋण उपकरण
- अंतर-डिपॉजिटरी ट्रांसफर
- भारत सूक्ष्म उद्यमी सुरक्षा नीति
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क्या अनिवासी भारतीय नागरिकों को भारत में आवासीय / वाणिज्यिक संपत्ति अर्जित करने के लिए रिज़र्व बैंक की अनुमति आवश्यक है?
नहीं.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या भारतीय मूल के विदेशी नागरिकों को अपने आवासीय उपयोग के लिए भारत में अचल संपत्ति खरीदने के लिए रिजर्व बैंक से अनुमति आवश्यक है?
जी हां. तथापि रिजर्व बैंक ने भारतीय मूल के विदेशी नागरिकों को चाहे वे भारत के निवासी हों या विदेश के, भारत में उनके वास्तविक आवासीय प्रयोजन के लिए अचल संपत्ति की खरीद को सामान्य रुप से अनुमति प्रदान की है. इसलिए, उन्हें रिज़र्व बैंक से अनुमति लेना आवश्यक नहीं है.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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सामान्य रुप से प्रदत्त अनुमति के अंतर्गत भारतीय मूल के विदेशी नागरिकों द्वारा आवासीय अचल संपत्ति के लिए खरीद का भुगतान किस प्रकार किया जाना चाहिए?
खरीद भुगतान या तो सामान्य बैंकिंग चैनलों के माध्यम से विदेशी मुद्रा में आवक प्रेषण से या भारत में बैंकों में रखे गए एनआरई / एफसीएनआर खातों में रखी निधि के माध्यम से पूरा किया जाना चाहिए.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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सामान्य रुप से प्रदत्त अनुमति के अंतर्गत भारत में आवासीय अचल संपत्ति की खरीद के लिए भारतीय मूल के विदेशी नागरिकों द्वारा पूरी की जाने वाली औपचारिकताएं क्या हैं?
उन्हें अचल संपत्ति की खरीद या खरीद के अंतिम भुगतान की तारीख से 90 दिनों की अवधि के भीतर मुंबई में रिजर्व बैंक के केंद्रीय कार्यालय के साथ आईपीआई 7 में एक घोषणा पत्र के साथ दस्तावेज, भुगतान की गई राशि के संबंध में लेनदेन और बैंक प्रमाणपत्र की प्रमाणित प्रति के साथ दाखिल करना आवश्यक है
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या ऐसी संपत्ति बिना रिजर्व बैंक की अनुमति के बेची जा सकती है?
जी हां. रिजर्व बैंक ने ऐसी संपत्ति की बिक्री के लिए सामान्य रुप से अनुमति दी है. तथापि जहां संपत्ति भारतीय मूल के किसी अन्य विदेशी नागरिक द्वारा खरीदी जाती है, खरीद राशि के लिए निधि या तो भारत में अंतरित की जानी चाहिए या एनआरई / एफसीएनआर खातों में रखी गई शेष राशि से इसका भुगतान किया जाना चाहिए.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या ऐसी संपत्ति की बिक्री से प्राप्त आय, यदि और जब भी बेची जाती है, भारत से बाहर अंतरित की जा सकती है?
दिनांक 26/05/1993 को या उसके बाद खरीदी गई आवासीय संपत्तियों के संबंध में, रिज़र्व बैंक ऐसी दो संपत्तियों के लिए संपत्ति के अधिग्रहण के लिए विदेशी मुद्रा में अंतरित प्रतिफल राशि तक बिक्री आय के प्रत्यावर्तन के लिए आवेदनों पर विचार करता है. दिनांक 26/05/1993 से पहले खरीदी गई संपत्तियों के संबंध में बिक्री से प्राप्त आय की शेष राशि, यदि कोई है या बिक्री से प्राप्त होती है, संपत्ति के मालिक के सामान्य अनिवासी रुपये खाते में जमा की जानी चाहिए.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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यदि बिक्री के बाद प्राप्त आय का प्रत्यावर्तन वांछित है तो क्या कोई शर्त पूरी करने की आवश्यकता है?
बिक्री से प्राप्त आय के प्रत्यावर्तन के लिए आवेदनों पर विचार किया जाता है बशर्ते कि बिक्री अंतिम खरीद विलेख की तारीख से 3 साल बाद या प्रतिफल राशि की अंतिम किस्त के भुगतान की तारीख से, जो भी बाद में हो.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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इस प्रकार के प्रत्यावर्तन की प्रक्रिया क्या है?
संपत्ति की बिक्री के 90 दिनों के भीतर मुंबई में रिजर्व बैंक के केंद्रीय कार्यालय को बिक्री प्राप्तियों के धनप्रेषण के लिए आवश्यक अनुमति हेतु आवेदन फॉर्म आईपीआई 8 में किया जाना चाहिए
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या भारतीय मूल के विदेशी नागरिक उपहार स्वरुप आवासीय संपत्ति का अधिग्रहण या निपटान कर सकते हैं?
जी हां. रिज़र्व बैंक ने सामान्यत: भारतीय मूल के विदेशी नागरिकों को उपहार स्वरुप या किसी भारतीय नागरिक या भारतीय मूल के व्यक्ति, चाहे वह भारत का निवासी हो या न हो, से उपहार स्वरुप 2 घरों तक की संपत्ति का अधिग्रहण या निपटान करने की अनुमति प्रदान की है बशर्ते कि उपहार कर का भुगतान किया गया हो.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या भारतीय मूल के विदेशी नागरिक भारत में वाणिज्यिक संपत्ति अर्जित कर सकते हैं?
जी हां. रिजर्व बैंक द्वारा दी गई सामान्य रुप से अनुमति के अंतर्गत कृषि भूमि / फार्महाउस / बागान संपत्ति के अलावा अन्य संपत्तियों को भारतीय मूल के विदेशी नागरिकों द्वारा अधिग्रहित किया जा सकता है, बशर्ते कि खरीद प्रतिफल या तो सामान्य बैंकिंग चैनलों के माध्यम से या निधि से भारत में बैंकों में रखे गए क्रेता के एनआरई/एफसीएनआर खातों से विदेशी मुद्रा में आवक प्रेषण से पूरा किया जाता है तथा संपत्ति की खरीद/खरीद प्रतिफल के अंतिम भुगतान की तारीख से 90 दिनों की अवधि के भीतर आईपीआई 7 के रूप में रिजर्व बैंक के केंद्रीय कार्यालय को घोषणापत्र प्रस्तुत की जाती है.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या वे ऐसी संपत्तियों का निपटान कर सकते हैं?
जी हां.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या ऐसी संपत्ति की बिक्री से प्राप्त आय भारत से बाहर धनप्रेषित की जा सकती है?
जी हां, दिनांक 26/05/1993 को या उसके बाद भारतीय मूल के विदेशी नागरिकों द्वारा खरीदी गई संपत्तियों के संबंध में मूल निवेश के प्रत्यावर्तन को मूल रूप से विदेश से अंतरित प्रतिफल राशि तक अंतरित करने की अनुमति होगी, बशर्ते कि प्रतिफल राशि की अंतिम किस्त के भुगतान की तारीख से 3 वर्ष की अवधि के बाद, जो भी बाद में हो, संपत्ति बेची गई हो. इस प्रयोजन के लिए फॉर्म आईपीआई 8 में संपत्ति की बिक्री के 90 दिनों के भीतर रिजर्व बैंक के केंद्रीय कार्यालय में आवेदन करना आवश्यक है
क्या यह जानकारी उपयोगी थी? हां / नहीं
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यदि तत्काल उपयोग के लिए आवश्यक न हो तो क्या संपत्ति (आवासीय/वाणिज्यिक) किराए पर दी जा सकती है?
जी हां. रिजर्व बैंक ने भारत में किसी भी अचल संपत्ति को किराए पर देने की सामान्य रुप से अनुमति प्रदान की है. किराया आय या इस प्रकार की आय के किसी भी निवेश को एनआरओ खाते में जमा किया जाना है
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या अनिवासी भारतीय आवासीय प्रयोजन के लिए घर / फ्लैट के अधिग्रहण के लिए आवास ऋण उपलब्ध कराने वाले वित्तीय संस्थानों से ऋण प्राप्त कर सकते हैं?
रिज़र्व बैंक ने आवास वित्त प्रदान करने वाले कतिपय वित्तीय संस्थानों अर्थात एचडीएफसी, एलआईसी हाउसिंग फाइनेंस लिमिटेड, आदि को कुछ शर्तों के अधीन स्व-अधिवास के लिए घर / फ्लैट के अधिग्रहण हेतु अनिवासी भारतीयों को आवास ऋण प्रदान करने के लिए सामान्य रुप से अनुमति प्रदान की है.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या प्राधिकृत डीलर अनिवासी भारतीयों को आवासीय प्रयोजन से फ्लैट / घर के अधिग्रहण के लिए ऋण प्रदान कर सकता है?
अनिवासी भारतीयों को स्वयं रहने के लिए घर / फ्लैट के अधिग्रहण हेतु उनके भारत लौटने पर प्राधिकृत डीलरों को कुछ शर्तों के अधीन ऋण देने की अनुमति प्रदान की गई है. ऋण की चुकौती जो बैंकिंग चैनलों के माध्यम से आवक प्रेषण से, या निवेशक के एनआरई / एफसीएनआर / एनआरओ खातों में रखी गई निधि में से 15 वर्ष से अधिक नहीं होनी चाहिए.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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क्या भारतीय कंपनियां अपने एनआरआई स्टाफ को ऋण प्रदान कर सकती हैं ?
भारतीय रिज़र्व बैंक ने भारतीय फर्मों / कंपनियों को कुछ शर्तों के अधीन विदेश में प्रतिनियुक्त और भारतीय पासपोर्ट धारक अपने कर्मचारियों को आवास ऋण देने की अनुमति प्रदान की है.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs invest their funds in Government securities or Units of Unit Trust of India?
Yes, NRIs are freely permitted to invest their funds in Government securities or Units of UTI through authorised dealers Units can also be purchased directly from UTI.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs make investments in National Savings Certificates issued by Post Offices in India?
Yes. Investment in National Savings Certificate can be made by NRIs subject to the terms and conditions applicable to the sale/issue of such certificates. However, NRIs are not permitted to invest in bearer securities like Indira Vikas Patra/Kisan Vikas patra.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can Government securities/units be freely transferred or sold?
Yes, provided the transfers/sales are arranged through an authorised dealer. Units can, however, be repurchased directly by UTI.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Are sale/maturity proceeds of Government securities/units/National Savings Certificates allowed to be repatriated abroad?
If such securities were purchased out of funds remitted from abroad or out of NRE/FCNR accounts, sale/maturity proceeds can be repatriated. Sale/maturity proceeds of securities purchased out of funds in NRO accounts can only be credited to NRO accounts and cannot be remitted abroad. Interest earned during the financial year 1994-95 and onwards can however, be remitted to the extent permitted by Reserve Bank.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is permission of Reserve Bank required for NRIs to invest in proprietary/partnership concerns on non-repatriation basis?
No. Reserve Bank has granted general permission to NRIs to invest by ways of capital contribution in any proprietary or partnership concern in India on a non-repatriation basis, provided the investee’s concern is not engaged in any agricultural/plantation activity or real estate business. This facility is, however, not available to OCBs.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is permission of Reserve Bank required for making investments in new issues of Indian companies on non-repatriation basis?
No. Indian companies have been granted general permission to accept investments on no-repatriation basis, in shares/debentures by way of new/rights/bonus issue provided the investee company is not engaged in agricultural/plantation activity or real estate business (excluding real estate development i.e. development of property and construction of the house) or a chit fund or is not a Nidhi company.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Are any formalities required to be completed by NRIs for getting the benefit of the above general permission?
No. However, the firms/companies concerned are required to file declarations with Reserve Bank in form DIN giving particulars of the investments made, within ninety days from the date of the investment.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRI individuals make investments in domestic public/private sector mutual funds or money market mutual funds floated by commercial banks and public/ private sector financial institutions on a non-repatriation basis?
Yes.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can overseas corporate bodies make similar investments in Mutual Funds on a non-repatriation basis?
OCBS can make such investments only in domestic public/private sector mutual funds. They can also make investments in money market mutual funds.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs make investments in non-convertible debentures of Indian companies?
Yes. Applications for necessary permission should be made to Reserve Bank (Central Office) by the concerned Indian company in the form ISD.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs purchase existing shares/debentures of Indian companies by private arrangement?
Yes. Reserve Bank permits NRIs, on application in form FNC 7, to purchase shares/debentures of existing Indian companies on a non-repatriation basis. An undertaking about non-repatriation is to be given in form NRU.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is it necessary for a resident, holding securities in Indian companies, to secure any approval from Reserve Bank on his becoming a non-resident for holding such securities?
No. Reserve Bank has granted general permission to companies in India to enter the overseas addresses of the shareholders in their books, in such cases provided the companies obtain undertakings from the holders that they will not seek repatriation of any income or sale proceeds of the security.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is income/interest earned on investments/deposits held in India by NRIs on a non-repatriation basis allowed to be repatriated?
Yes. Income/interest accruing during the financial year 1994-95 and onwards on bank deposits and investments held by NRIs with non-repatriation benefits will be eligible for repatriation as under :(a) Up to US$ 1,000 or its equivalent in full and one-third of the balance income earned during the financial year 1994-95; (b) Up to US$ 1,000 or its equivalent in full and two-third of the balance income earned during the financial year 1995-96; (c) The entire income earned during the financial year 1996-97 and onwards; Note: The investment/principal amount of deposits made/held on a non-repatriation basis will, however, not be allowed to be repatriated abroad.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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ऐसे मामलों में प्रत्यावर्तन की मांग करने के लिए क्या प्रक्रिया अपनाई जानी चाहिए?
अनिवासी भारतीयों को एक अधिकृत डीलर की एक शाखा नामित करनी चाहिए जिसके माध्यम से आय का प्रेषण किया जाय और चार्टर्ड एकाउंटेंट के प्रमाण पत्र के साथ पिछले वित्तीय वर्ष के दौरान अर्जित आय का विवरण देते हुए नामित शाखा को आरसीआई फॉर्म में आवेदन करना चाहिए। नामित शाखा शुद्ध राशि (यानी कर के भुगतान के बाद) के प्रेषण की अनुमति देगी या इसे आवेदक के एनआरई / एफसीएनआर खाते में जमा कराएगा।
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What are the schemes available to NRIs for direct investments in India with repatriation benefits?
NRIs can make investments in new issues of shares/convertible debentures of Indian companies under direct investment schemes such as 24% scheme/40% scheme/100% scheme. They can also invest in the schemes of domestic mutual funds floated by public/private sector institutions/companies and bonds issued by public sector undertakings. Non-Resident investors are not required to apply for permission to invest but the company concerned will have to obtain permission from Reserve Bank.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the 24% scheme?
Under the 24% scheme, Indian companies engaged or proposing to engage in any activity including finance, hire purchase, leasing, trading or other services, the establishment of schools/colleges, etc. (except agricultural/plantation activities) are allowed by Reserve Bank to issue shares/debentures to NRIs with repatriation benefits to the extent of 24% of the new issue.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the 40% scheme?
Under the 40% scheme, Indian companies engaged or proposing to engage in the following activities are allowed by Reserve Bank to issue share/debentures to NRIs with repatriation benefits to the extent of 40% of the new issue. 1. Industrial and manufacturing units 2. Hotels with 3, 4 or 5-star categories. 3. Hospitals and diagnostic centres 4. Shipping companies 5. Development of computer software 6. Oil exploration services.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is remittance of interest/dividend to NRI investors freely allowed under the 24%/40% scheme?
Yes. There is no ceiling or restriction on the amount of remittable dividends. Remittance of interest/dividend to NRI investors will be allowed by authorised dealers under the powers delegated to them.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What are the specified industries under the 100% Scheme?
Under the 100% scheme, NRIs are permitted to invest in high-priority industries listed in Annexure III to the Statement on Industrial Policy dated 24/07/1991 of the Government of India up to 100% of the new issue.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is dividend/interest earned in respect of investments made under the 100% scheme freely remittable to the NRIs abroad?
Dividend/interest can be remitted freely except, in the case of consumer goods industries where the outflow on account of dividend is required to be balanced by export earnings of the company either in the year of declaration of dividend or in the years prior to the declaration of dividend. This requirement is enforced for a period of seven years from the commencement of commercial production.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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एक एनआरआई 24% या 40% या 100% योजना के तहत निवेश के लिए रिजर्व बैंक से अनुमति कैसे प्राप्त कर सकता है?
The NRI investor need not apply to Reserve Bank. Application for necessary permission under the schemes should be made by the Indian company/firm to the Central Office of Reserve Bank in Mumbai in form ISD/ISD(R).
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Besides the 24%, 40% and 100% schemes, are there any other schemes for investment by NRIs in the equity of Indian companies?
Yes. NRIs are permitted to undertake the revival of sick industrial units by making bulk investments in them to the extent of 100 % either by way of purchase of existing equity shares or in the form of subscription to new equity shares.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is the capital brought into India for the revival of the sick industrial unit allowed to be repatriated?
Yes.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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How can an NRI obtain permission of Reserve Bank for investment in a sick industrial unit?
Application for necessary permission should be made by the Indian company to the Central Office of Reserve Bank in Mumbai in form RSU.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Under the existing Industrial Policy, investment by foreign collaborators up to 50%/51%/74% of the equity is allowed by Reserve Bank on a repatriation basis in certain high-priority industries. Can NRIs take up the balance 50%/49%/26% equity in such cases on a repatriation basis?
Yes.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs make investments in companies engaged in real estate development in India?
Yes. Investment up to 100% in the new issue of equity shares/convertible debentures of Indian companies engaged in the following areas is allowed:
- Development of serviced plots and construction of built-up residential premises;
- Real estate covering construction of residential and commercial premises including business centres and offices;
- Development of township;
- City and region level urban infrastructure facilities including roads and bridges;
- Manufacture of building material;
- Financing of housing development.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure for obtaining Reserve Bank permission in this regard?
Applications for the purpose should be made by the concerned Indian company to the Central Office of Reserve Bank in Mumbai in form ISD(R).
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Will repatriation of the original investment and/or dividend income be freely permitted?
Yes. Repatriation of the original investment will be permitted after a lock-in period of 3 years from the date of issue of the equity shares/convertible debentures. In addition, OCBs will be permitted to repatriate net profit (up to 16%) arising from the sale of such investment after the lock-in period of 3 years. Annual dividend/interest on equity shares/debentures can, however, be freely remitted subject to payment of tax.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Are investments in air taxi operations permitted to be made by NRIs?
Yes. Investments up to 100% equity participation for carrying on air taxi operations are permitted in terms of the guidelines issued by the Director General of Civil Aviation for Air Taxi operations. Applications for the purpose should be made to Reserve Bank (Central Office) in the form ISD(R) by the concerned Indian company.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Are there any restrictions on repatriation of the investment made under this scheme or income earned thereon?
No. However, repatriation of the investment and/or remittance of the dividend will be permitted only after the expiry of five years of operation and only out of accumulated net foreign exchange earnings.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs invest in non-convertible debentures on a repatriation basis?
Yes. Application for necessary permission should be made to Reserve Bank (Central Office) by the concerned Indian company in form ISD(R).
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure to be followed for investing in the schemes of domestic mutual funds or public sector bonds with repatriation benefits?
The concerned fund/public sector undertaking should obtain the necessary permission from Reserve Bank for the issue of units/bonds to NRIs. Applications for the purpose are required to be made to the Central Office of Reserve Bank in form ISD(R).
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs invest in 100% export oriented units on a repatriation basis?
Yes. NRIs will be permitted to invest up to 100% in 100% export-oriented units, subject to obtaining approval from the Government of India, Ministry of Industries (SIA) for setting up the EOU. In the case of units located in Export Processing Zones approval from the Development Commissioner of the concerned zone is required to be obtained. Thereafter, an application should be made to the concerned regional office of Reserve Bank in form ISD along with the copy of Government approval for necessary clearance under FERA 1973.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs acquire shares disinvested by the Government of India in Public Sector Enterprises (PSEs) by inviting sealed tenders?
Yes. Reserve Bank has granted general permission to NRIs to acquire shares of PSEs on their bids being successfully provided the holding of a single NRI invested does not exceed 1% of the paid up capital of the PSE concerned, the purchase consideration/bid money is paid by way of remittance from abroad or by debit to his NRE/FCNR accounts.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure for the issue of rights entitlement to NRIs?
The concerned company should approach the Reserve Bank for the issue of rights entitlement to NRIs in the prescribed form, if on repatriation basis. However, rights entitlement on a non-repatriation basis would be covered by the general permission.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure required to be followed by NRIs for renunciation of rights entitlement?
NRIs can make an application to Reserve Bank by a letter detailing therein the folio number of the shares held and the manner in which the rights are being sold.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedures for the issue of bonus shares?
The concerned Indian company should approach Reserve Bank for the issue of bonus shares to NRIs, if the original investment is on a repatriation basis. issue of bonus shares in respect of investment on a non-repatriation basis is covered by general permission.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs obtain loans abroad against the collateral of shares/debentures of Indian companies?
Yes. Authorised dealers have been permitted to grant loans/overdrafts abroad to NRIs through their overseas branches and correspondents against the collateral of the shares/debentures of Indian companies held by them, provided the concerned shares/debentures were acquired on a repatriation basis.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can sale proceeds of the shares/debentures be remitted abroad for liquidation of outstanding against such loans/overdrafts?
Yes, subject to payment of Income Tax, capital gains tax, etc. payable, if any.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the Portfolio Investment Scheme?
Under this scheme, NRIs are permitted to acquire shares/debentures of Indian companies or units of domestic mutual funds through the stock exchange/s in India.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure for making applications?
The application is to be submitted to Reserve Bank through a designated branch of a bank in India in one of the prescribed forms, i.e. NRC/NRI/RPC/RPI.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is a designated branch?
Reserve Bank has authorised a few branches of each bank to conduct the business under the Portfolio Investment Scheme on behalf of the NRIs. These branches are the main branches of major commercial banks located close to the stock exchange/s. NRIs will have to route their applications through any of the designated bank branches that have authorisation from Reserve Bank.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether NRI can apply through more than one designated branch?
No. NRIs have to select one branch for this purpose for investment on a repatriation/non- repatriation basis.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is it necessary to maintain a bank account with the designated branch through whom the application is made?
It is advisable to maintain a bank account with the designated branch for administrative convenience.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the validity period of Reserve Bank approval for the purchase of shares/debentures of Indian companies or units of domestic mutual funds?
Reserve Bank approval is valid for a period of 5 years from the date of issue. This can be renewed further by making a request through a simple letter.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs keep deposits with companies in India with repatriation benefits?
Yes, NRIs are permitted to keep deposits with public limited companies in India for a minimum period of 3 years, subject to certain ceilings/conditions. Application for the purpose is required to be made by the company receiving the deposits through an authorised dealer.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Do NRIs need permission of Reserve Bank for placing funds in fixed deposits with firms/companies on a non-repatriation basis?
Yes. Permission for placement of funds in fixed deposits with firms/companies is granted by Reserve Bank on application by the depositor or the deposit accepting firm/company, on a non-repatriation basis, subject to certain ceilings/conditions.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Are NRIs permitted to invest in Commercial Papers (CP) issued by Indian companies?
Yes. General permission has been granted by Reserve Bank to Indian companies to issue CP to NRI individuals subject to the conditions that the amount invested will not be repatriated outside India and the CP will not be transferable.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is permission of Reserve Bank required for sale/transfer of Government securities/units?
No. Authorised dealers have been permitted to undertake the sale of Government securities/units on behalf of NRIs without prior approval of Reserve Bank. Sale/maturity proceeds can be remitted abroad if the original investment was made out of funds remitted from abroad or funds in NRE/FCNR accounts. Otherwise, they will have to be credited to NRO account of the holder.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is permission of Reserve Bank required by NRIs for sale/transfer of shares, debentures of Indian companies to other NRIs?
No. Transfer of shares/debentures of Indian companies by NRIs to other non-residents does not require permission from Reserve Bank. However, the transferee NRI would need permission for purchase of such shares for which an application is required to be made to Reserve Bank in form FNC 7.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can NRIs transfer/sell their shares/debentures/bonds held on a non-repatriation basis to residents freely?
Yes. General exemption has been granted by Reserve Bank for transfer/sale for shares/debentures/bonds by NRIs/OCBs through stock exchanges if such transfers are made in favour of an Indian citizen or a person of Indian origin or a company incorporated in India and sale proceeds thereof are credited to NRO account.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure for sale/transfer of shares/debentures/bonds held by NRIs with repatriation benefits?
In the case of shares/debentures/bonds acquired by NRIs through stock exchanges under the Portfolio Investment Scheme, general exemption has been granted for transfer through stock exchanges provided the sale is arranged through the same designated branch through whom they were purchased. In other cases, applications for necessary permission is required to be made to Reserve Bank in form TS 4.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the procedure to be followed by NRIs for sale/transfer of shares/debentures to residents by private arrangements?
NRIs are required to submit the application in form TS 1 to Reserve Bank for sale of shares/debentures by private arrangements.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can shares/debentures be given away as gifts to relatives?
Yes. Reserve Bank has granted general permission to NRIs to transfer, by way of gift, bonds and debentures of Indian companies held by them with Reserve Bank's permission to their resident close relative/s.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can I dematerialise my debt instruments, mutual fund units, government securities also in my demat account?
Yes. You can dematerialise and hold all such investments in a single demat account.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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If my depository account is with NSDL, can I receive my securities from an account holder having an account with some other depository in India?
Yes. Inter-depository transfers are possible.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is ‘Value at Risk’?
‘Value at Risk’ at any one location means the value of all property in that location including Buildings, Fittings and Fixtures, Plant and Machinery, Stocks, other contents etc where the proposer has insurable interest.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether there are any provision in the Policy to exclude inbuilt perils to arrive at reduction in price?
There are no provision in the policy to exclude Inbuilt Perils.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Does TATA AIG Bharat Sookshma Udyam Suraksha policy allow Under insurance Waiver?
In these products, under insurance is waived up to 15%, but beyond that under insurance is applicable to full extent.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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पॉलिसी अवधि के दौरान बीमा राशि को बढ़ाने/घटाने का क्या प्रावधान है?
बीमित व्यक्ति के अनुरोध पर, पॉलिसी के तहत बीमित राशि को प्रीमियम के भुगतान के अधीन बढ़ाया/घटाया जा सकता है
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What are the options to increase the coverage under the policy
There is an option to increase the coverage by the means of add-ons.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether there will be an impact on policy wording due to increase in Policy Sum Insured, once it falls in next SI Slab i.e. Policy Sum Insured changes from 0-5 Crs slab to 5-50 Crs slab.
During mid-term, there will be no impact on policy wording due to Sum Insured increase. However, at the time of renewal, applicable policy wording as per sum insured will be selected while policy issuance.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What does actual cost mean in Costs compelled by Municipal Regulations?
Upon occurrence of an Insured peril, these are the costs incurred by insured (on actual basis) at the time of Reinstatement of property due to change in Municipal Regulations.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What does Impact damage of any kind means?
Impact damage of any kind means damage caused by impact, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.).It is similar to the traditional accidental damage.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether are the floater provision in the policies?
Floater is an inbuilt cover under this policy.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What is the provision of Theft coverage in the policy?
Losses / damage due to theft will be covered within 7 days from occurrence of an Insured peril.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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What are the options to increase sum insured limits for Inbuilt Covers?
Presently, Sum Insured limits of inbuilt covers are fixed as per IRDA guidelines.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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'शीर्ष स्थान' की गणना कैसे की जाएगी?
'टॉप लोकेशन' किसी स्थान पर अधिकतम 'वैल्यू एट रिस्क' होगा
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether Jungle Fire and Forest Fire are same?
Yes, both are same as per product wordings
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Is partial selection of asset allowed?
Partial Selection of asset is not allowed. The policy allows cover for complete value of plant and machinery, Stocks and FFF at the risk premise.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can Plinth and foundation be excluded from Value of Building?
Plinth and Foundation cannot be excluded.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Whether Extension of short period policy is possible in the product?
Extension of short period policy is not possible, however annual policy can be issued on completion of Short period
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can Deductible be changed- increased or decreased?
No, Change in deductible is not permissible.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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Can Goods held in trust be covered?
Goods held in trust are deemed to be covered, unless specified.
क्या यह जानकारी उपयोगी थी? हां / नहीं
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