RBI के नागरिक चार्टर (Citizen’s Charter ) में अब 204 सेवायें शामिल, विस्तार से जानिये

 भारतीय रिज़र्व बैंक के नागरिक चार्टर की समीक्षा

भारतीय रिज़र्व बैंक द्वारा विनियमित संस्थाओं और देश के नागरिकों को प्रदान की जाने वाली विभिन्न सेवाओं को दो अलग-अलग शीर्षकों, अर्थात विनियामक अनुमोदन के लिए समय- सीमा और नागरिक चार्टर के अंतर्गत सूचीबद्ध किया गया है। विनियामक अनुमोदन के अंतर्गत 133 सेवाएँ उपलब्ध कराई गईं, जबकि नागरिक चार्टर में 58 सेवाएँ शामिल थीं। रिज़र्व बैंक द्वारा प्रदान की जाने वाली सेवाओं की व्यापक समीक्षा की गई है और समय- सीमा को युक्तिसंगत बनाया गया है, जिससे 11 सेवाओं  के समय को कम किया गया है। विनियमित संस्थाओं और नागरिकों को प्रदान की जाने वाली सभी सेवाएँ नागरिक चार्टर के अंतर्गत समाहित कर दी गई हैं। नागरिक चार्टर में अब 204 सेवाएँ शामिल हैं।

2. नागरिक चार्टर के अंतर्गत सेवाओं के लिए आवेदन/अनुरोध निम्नलिखित प्रणालियों के माध्यम से उपलब्ध कराए जा रहे हैं –

प्रणाली	सेवाओं की संख्या
प्रवाह (PRAVAAH)	180
काउंटर/ ऑफलाइन फॉर्म	14
अन्य ऑनलाइन प्लेटफॉर्म*	10
** लेखापरीक्षक आवंटन प्रणाली (एएएस) और ई-कुबेर

3. संशोधित नागरिक चार्टर 1 जुलाई 2025 से प्रभावी होगा। यह सेवा वितरण में पहुंच, उत्तरदायित्व और पारदर्शिता में सुधार के लिए रिज़र्व बैंक की प्रतिबद्धता की पुष्टि करता है। रिज़र्व बैंक का निरंतर आधार पर आंतरिक वर्कफ़्लो और बाह्य इंटरफ़ेस तंत्र के डिजिटलीकरण द्वारा उपयोगकर्ता अनुभव को बेहतर बनाने का प्रयास है।

4. उपयोग को आसान बनाने के लिए, प्रवाह पर उपयोगकर्ता मैनुअल, अक्सर पूछे जाने वाले प्रश्न और वीडियो ट्यूटोरियल उपलब्ध हैं, जिन्हें https://pravaah.rbi.org.in पर देखा जा सकता है।

नागरिक चार्टर में शामिल 204 सेवाओं की लिस्ट- 

Citizen’s Charter

Department of Currency Management (DCM) Sl. No. Service Timeline (days)i Submission Mode Currency Chests 1 Application for new Currency Chest facility for banks not having Memorandum of Agreement (MoA) with RBI 30 PRAVAAH 2 Closure of Currency Chests 30 PRAVAAH 3 Opening of Currency Chests – In-principle approval 30 PRAVAAH 4 Opening of Currency Chests – Final approval 30 PRAVAAH 5 Shifting or Expansion of Currency Chests – In-principle approval 30 PRAVAAH 6 Shifting or Expansion of Currency Chests – Final approval 30 PRAVAAH Notes 7 Exchange of Notes received through postal covers 7 Offline^ 8 Exchange of Notes received under Triple Lock Receptacles (TLRs) 7 Over The Counter* 9 Exchange of Notes that cannot withstand normal handling 30 Offline^ Department of Government & Bank Accounts (DGBA) Challans 10 Delivery of receipted challans tendered with cash 20 minutes Over The Counter 11 Delivery of receipted challans tendered with cheques issued by Government departments maintaining accounts with RBI 20 minutes Over The Counter 12 Delivery of receipted challans tendered with cheques drawn on other banks 3 Over The Counter Financial instruments 13 Issue of cheque books 20 minutes Over The Counter 14 Issue of demand drafts 60 minutes Over The Counter Funds transfer and cash transactions 15 Cash withdrawal by Government departments through cheques 20 minutes Over The Counter 16 Deposit of cash by bank maintaining current account with RBI 15 minutes Over The Counter 17 Transfer of funds (from one bank's current account to another bank's current account in RBI) 15 minutes Over The Counter 18 Withdrawal of cash by bank maintaining current account with RBI 20 minutes Over The Counter Refinance facility 19 Refinance facility and disbursement of loans 3 hours Over The Counter Special Deposit Scheme 1975 - Account Transfer 20 Applications from SBI GAD for transfer of Special Deposit Scheme 1975 accounts from other agency banks to SBI SSB, Mumbai branch 10 PRAVAAH Department of Payment and Settlement Systems (DPSS) 21 Approval for commencement of eligible activity under guidelines on regulation of Payment Aggregator- Cross Border (PA- Cross Border) 30 PRAVAAH 22 General Purpose Application - Payment and Settlement Systems 30 PRAVAAH 23 Issue of Certificate of Authorisation (CoA) - After receipt of System Audit Report (SAR) (In case there are subsequent changes after receipt of SAR viz., change in promoters / directors, fresh investments etc., the timeline is 60 days) 30 PRAVAAH 24 Renewal of CoA 30 PRAVAAH 25 Voluntary surrender of CoA by Payment System Operators (PSOs) 30 PRAVAAH 26 Approval in case of takeover / acquisition of control of non-bank PSOs (timeline is not applicable for application received from overseas Principal under MTSS) 45 PRAVAAH 27 Application for Membership to Centralised Payment Systems 60 PRAVAAH 28 Authorisation to set up a payment system under PSS Act, 2007 - In-principle Authorisation (timeline is not applicable when a new category of payment system is introduced) 90 PRAVAAH Department of Regulation (DoR) All India Financial Institutions (AIFIs) 29 Permission to AIFIs for investing in Equity Shareholding of a Company 90 PRAVAAH Asset Reconstruction Companies (ARCs) 30 Permission for shifting of registered office of ARC 45 PRAVAAH 31 Application for grant of Certificate of Registration (CoR) as ARC 90 PRAVAAH 32 Application for prior approval of RBI for appointment, re-appointment of Director / MD / CEO in ARC 90 PRAVAAH 33 Approval for inclusion of new sponsor, cessation of sponsor, aggregate transfer of 10% or more of the total Paid-up Share Capital of the ARC by a sponsor during the period of five years commencing from the date of the CoR. 90 PRAVAAH Co-operative Banks 34 Grant of Banking licence to State Co-operative Banks (StCB) and District Central Co-operative Banks (DCCB) 30 PRAVAAH 35 Application for Appointment or Re-appointment of MD, WTD, CEO in Co-operative Banks – Urban Co-operative Banks (UCB), StCB and DCCB 90 PRAVAAH District Central Co-operative Banks (DCCB) 36 Prior Permission to DCCB for opening Branch or Extension Counter or Specialised Branch or Regional Office or Zonal Office or Administrative Office 90 PRAVAAH Housing Finance Companies (HFCs) 37 Application for prior permission of RBI for appointment of Director in HFCs 90 PRAVAAH 38 Approval for change in shareholding or control of HFC 90 PRAVAAH 39 Permission to HFCs for investing or divesting Equity shareholding and retaining Equity Investments beyond prescribed prudential limits 90 PRAVAAH 40 Permission to HFCs for undertaking various activities departmentally or expansion of the scope of activities of their group entities 90 PRAVAAH Non-Banking Financial Companies (NBFCs) 41 Application by existing NBFC-NDs for conversion of CoR from one category to another 45 PRAVAAH 42 Application by NBFC-ICCs for grant of additional Certificate of Registration (CoR) to carry out Factoring Business 45 PRAVAAH 43 Application for recognition as Self-Regulatory Organisation (SRO) for Account Aggregator ecosystem. 45 PRAVAAH 44 Conversion of CoR of deposit taking NBFC to non-deposit taking NBFC category 45 PRAVAAH 45 Permission for opening of branches by Deposit taking NBFCs 45 PRAVAAH 46 Permission for opening of branches by NBFCs primarily into lending against gold jewellery and with more than 1000 Branches 45 PRAVAAH 47 Request for issue of fresh CoR upon shifting of registered office of NBFC from one Regional Office of RBI to another 45 PRAVAAH 48 Application for grant of CoR as Core Investment Company (CIC) 90 PRAVAAH 49 Application for grant of CoR as NBFC 90 PRAVAAH 50 Application for prior Permission of RBI for Appointment of Director in an NBFC 90 PRAVAAH 51 Approval for change in shareholding or control of NBFC 90 PRAVAAH 52 Approval to NBFCs for coupon payment on regulatory capital instruments 90 PRAVAAH 53 Approval to NBFCs for redemption of or exercise of call option on capital instruments 90 PRAVAAH 54 No Objection Certificate (NOC) for amalgamation of an NBFC with other NBFCs or entities other than a Banking Company 90 PRAVAAH 55 Permission to NBFCs for investing or divesting Equity Shareholding and retaining Equity Investments beyond prescribed prudential limits 90 PRAVAAH 56 Permission to NBFCs for undertaking various activities departmentally or expansion of the scope of activities of their group entities 90 PRAVAAH Non-Banking Financial Companies, Payment System Providers and Payment System Participants 57 Application for Aadhaar Authentication licence in terms of Section 11A of the PML Act, 2002 60 PRAVAAH Non-Banking Financial Company (NBFC) and Asset Reconstruction Company (ARC) 58 NOC for change in name of NBFC or ARC 45 PRAVAAH 59 Request for CoR upon change of name of NBFC or ARC 45 PRAVAAH 60 Request for duplicate CoR by NBFC or ARC due to loss of original CoR 45 PRAVAAH 61 Application for voluntary surrender of CoR by NBFCs including HFCs for cancellation 90 PRAVAAH Regional Rural Banks (RRBs) 62 Permission to RRBs for opening of Banking Outlets or issue of licence for Banking Outlets, Service Branches, Regional Offices 45 PRAVAAH 63 Permission to RRBs for shifting of Banking Outlets outside the Revenue Centre 45 PRAVAAH Regional Rural Banks (RRBs) and Co-operative Banks 64 Permission to Co-operative Banks and RRBs for extending internet banking to customers 90 PRAVAAH 65 Permission to Co-operative Banks and RRBs for extending mobile banking to customers 90 PRAVAAH Scheduled Commercial Banks (SCBs) 66 Request letter for Credit Risk Mitigation (CRM) amount under Section 11 (2) (b) of the Banking Regulation Act, 1949 5 PRAVAAH 67 Request letter for statutory amount under Section 11 (2) (b) of the Banking Regulation Act, 1949 5 PRAVAAH 68 Approval to banks for exercise of call option on capital instruments 15 PRAVAAH 69 Application for authorisation for opening of Banking Outlets under approved Annual Banking Outlet Expansion Plan 30 PRAVAAH 70 Application for NOC for change in name of banking company 30 PRAVAAH 71 Approval of Annual Banking Outlet Expansion Plan in respect of domestic SCBs excluding RRBs, for which the general permission has been withdrawn and for Payment Banks and Local Area Banks 45 PRAVAAH 72 Authorisation to SCBs for importing gold or silver under Foreign Trade Policy 60 PRAVAAH 73 Application for amendment in Articles of Association in Private Sector Banks, including Small Finance Banks (SFBs), Payment Banks (PBs) and Local Area Banks (LABs) 90 PRAVAAH 74 Application for appointment or re-appointment of MD and CEO, CEO, other Whole Time Directors, Part Time Chairman in Private Sector Banks, including SFBs, PBs and LABs as well as Foreign Banks, including Wholly Owned Subsidiaries (WOS) of Foreign Banks operating in India 90 PRAVAAH 75 Application for Indian banks to set up an IBU at GIFT City 90 PRAVAAH 76 Application for Part-time Honorary Work of MD and CEO, CEO in Private Sector Banks, including SFBs, PBs and LABs as well as Foreign Banks, including Wholly Owned Subsidiaries of Foreign Banks operating in India 90 PRAVAAH 77 Application for Remuneration of MD and CEO, CEO, other Whole Time Directors, Part Time Chairman in Private Sector Banks, including SFBs, PBs and LABs as well as Foreign Banks, including Wholly Owned Subsidiaries of Foreign Banks operating in India 90 PRAVAAH 78 Application of Foreign Banks, operating in India in branch mode, for opening Back Office or CPC, etc. 90 PRAVAAH 79 Approval for acquisition of five per cent or more of the Paid-up Share Capital or Voting Rights in a Banking Company 90 PRAVAAH 80 Approval for amalgamation of a Banking Company with another Banking Company 90 PRAVAAH 81 NOC for amalgamation of a Holding Company or an NBFC with a Banking Company 90 PRAVAAH 82 Permission to SCBs for divesting Equity Shareholding or retaining Equity Investments beyond prescribed prudential limits in a Company 90 PRAVAAH 83 Permission to SCBs for expanding scope of activities of their group entities 90 PRAVAAH 84 Permission to SCBs for granting of unsecured advances to subsidiaries 90 PRAVAAH 85 Permission to SCBs for investing in equity shareholding of a company 90 PRAVAAH 86 Permission to SCBs for undertaking various activities departmentally 90 PRAVAAH 87 Application for Foreign Banks desirous of establishing presence in India in Branch mode or WOS mode 270 PRAVAAH 88 Application for Foreign Banks desirous of establishing presence in India through Representative Office 270 PRAVAAH 89 Application for Indian Banks desirous of opening offices outside India 270 PRAVAAH 90 Application of Foreign Banks for shifting of Branches 270 PRAVAAH 91 Application of Foreign Banks, operating in India in branch mode, for opening new place of Business 270 PRAVAAH 92 Application for license of Small Finance Bank under the guidelines for on tap licensing of Small Finance Banks in the private sector 270 PRAVAAH 93 Application for License of Universal Bank under the guidelines for on tap licensing of Universal Banks in the private sector 270 PRAVAAH 94 Application for voluntary transition of Small Finance Banks to Universal Banks 270 PRAVAAH Scheduled Commercial Banks and Co-operative Banks 95 Approvals to banks for holding non-banking assets beyond 7 and up to 12 years, in terms of Section 9 of Banking Regulation Act, 1949 60 PRAVAAH Scheduled Commercial Banks and Regional Rural Banks 96 Application for inclusion of Universal Banks or Small Finance Banks or Payments Banks or Foreign Banks or RRBs in the Second Schedule of RBI Act, 1934 45 PRAVAAH Scheduled Commercial Banks, Regional Rural Banks and Co-operative Banks 97 Appropriation of Reserve - Commercial Banks including RRBs, UCBs, StCBs and DCCBs 45 PRAVAAH 98 Extension of timeline for submission of Annual Financial Statement under Section 31 of B R Act, 1949 45 PRAVAAH 99 Waiver of penalty on delayed or non-submission of returns 45 PRAVAAH 100 Waiver requests from banks with respect to the penal interest levied on banks by RBI for defaults in CRR and SLR maintenance 60 PRAVAAH State and District Central Co-operative Banks and Regional Rural Banks 101 Permission to StCBs or DCCBs or RRBs for undertaking various activities departmentally 90 PRAVAAH State and District Central Co-operative Banks 102 Approval to StCB and DCCB for coupon payment on Perpetual Debt Instruments (PDI) 30 PRAVAAH 103 Approval to StCB and DCCB for issuance of regulatory capital instruments – PNCPS, PDI, RNCPS, PCPS, LTSBs 30 PRAVAAH 104 Approval to StCB and DCCB for redemption or exercise of call option of regulatory capital instruments – PNCPS, PDI, RNCPS, PCPS, LTSBs, LTDs 30 PRAVAAH 105 Permission to StCB and DCCB for shifting of bank branch to a different locality or Municipal Ward other than the one mentioned in the licence 90 PRAVAAH State Co-operative Banks 106 Inclusion of StCBs in the Second Schedule to the RBI Act, 1934 30 PRAVAAH 107 Prior Permission to StCBs for opening Branch or Extension Counter 90 PRAVAAH Urban Co-operative Banks 108 Approval to UCBs for coupon payment on Perpetual Debt Instruments 30 PRAVAAH 109 Application by UCBs to act as Agents or Sub Agents under Money Transfer Service Scheme (MTSS) 45 PRAVAAH 110 NOC to UCBs for Open System Prepaid Payment Instrument (PPIs) 45 PRAVAAH 111 NOC to UCBs for Semi closed PPIs 45 PRAVAAH 112 Application by UCBs for change in Name 90 PRAVAAH 113 Application by UCBs for change of address to same Municipal Ward, post issue of authorisation but before opening of Branch 90 PRAVAAH 114 Application by UCBs for extension of Area of Operations beyond adjacent Districts or Whole State of Registration or to Multistate 90 PRAVAAH 115 Application by UCBs for extension of time for submission of Form V - Furnishing of details of Branches opened 90 PRAVAAH 116 Application by UCBs for NOC to Bye Law Amendments 90 PRAVAAH 117 Application from an UCB for voluntary amalgamation 90 PRAVAAH 118 Approval to UCBs for deployment of Point of Sale (POS) Terminal 90 PRAVAAH 119 Approval to UCBs for Doorstep Banking Services 90 PRAVAAH 120 General permission to UCBs for Branch Authorisation under Annual Business Plan 90 PRAVAAH 121 Intimation of closure of unremunerative Branch and Extension Counter by UCBs 90 PRAVAAH 122 Intimation of shifting of branch by Financially Sound and Well Managed (FSWM) UCBs - Same Locality or Municipal Ward 90 PRAVAAH 123 Permission to scheduled UCBs for Online Trading facility 90 PRAVAAH 124 Permission to UCBs for exercise of call option on Preference Shares or Debt Capital Instruments 90 PRAVAAH 125 Permission to UCBs for issuance of Debt Capital Instruments - LTSB or PDI 90 PRAVAAH 126 Permission to UCBs for issuance of Preference Shares 90 PRAVAAH 127 Permission to UCBs for payment of dividend 90 PRAVAAH 128 Prior approval for shifting of Branch by FSWM UCBs - Different locality or Municipal Ward 90 PRAVAAH 129 Prior approval for shifting of Branch by Non- FSWM UCB 90 PRAVAAH 130 Prior approval to UCBs for Acquisition or Sale of Premises 90 PRAVAAH 131 Prior approval to UCBs for Appointment of Business Correspondent or Business Facilitator 90 PRAVAAH 132 Prior approval to UCB for shifting of branch to another City 90 PRAVAAH 133 Prior approval to UCBs for Offsite ATM 90 PRAVAAH 134 Prior approval to UCBs for Onsite ATM 90 PRAVAAH 135 Prior permission to UCBs for Allotment of Centres, Extension Counters, Specialised Branches under Annual Business Plan 90 PRAVAAH 136 Prior permission to UCBs for Submission of Form V - Branch Authorisation under Annual Business Plan 90 PRAVAAH 137 Voluntary conversion of UCBs into Credit Societies 90 PRAVAAH 138 Application by UCBs for inclusion in Second Schedule to the RBI Act, 1934 240 PRAVAAH 139 Application for voluntary transition of Urban Co-operative Banks to Small Finance Banks 270 PRAVAAH Department of Supervision (DoS) Approval for Appointment of Statutory Auditors in Banks and Financial Institutions Co-operative banks 140 Statutory auditors 30 Through AAS Overseas branches of Indian banks 141 Statutory auditors 30 Through AAS Private sector banks / Foreign banks 142 Statutory central auditors 30 Through AAS 143 Statutory branch auditors 30 Through AAS Public sector banks 144 Statutory central auditors 15 Through AAS Select financial institutions 145 Statutory auditors 21 Through AAS Enforcement Department (EFD) 146 Issue of Compounding Order under the Payment and Settlement Systems Act, 2007 based on the compounding application submitted by Authorised Payment System Operators / Banks 180 PRAVAAH Financial Markets Regulation Department (FMRD) Financial benchmark administrator 147 Authorisation to Financial Benchmark Administrator to administer non-significant benchmark 30 PRAVAAH 148 Authorisation to Financial Benchmark Administrator to administer significant benchmark 30 PRAVAAH Market Infrastructure Institutions 149 Authorisation to operate an Electronic Trading Platform 45 PRAVAAH Membership management in RBI Market Platform 150 NDS-Call (grant of new membership, termination of membership and change of name of existing members) 7 PRAVAAH 151 NDS-OM (grant of new membership, termination of membership and change of name of existing members) 30 PRAVAAH Approval to Exchanges 152 Approval for introducing instruments / products regulated by RBI under Chapter III D of the RBI Act, 1934, on recognised exchanges 45 PRAVAAH FinTech Department 153 Regulatory Sandbox application 45 PRAVAAH 154 Recognition of Self-Regulatory Organisation in the FinTech Sector (SRO-FT) 90 PRAVAAH Foreign Exchange Department (FED) Authorised Dealer (AD) / Money Transfer Service Scheme (MTSS) / Rupee Drawing Arrangement (RDA) 155 Issue of AD Cat-I license 30 PRAVAAH 156 Issue and Renewal of AD Cat-III license 30 PRAVAAH 157 Issue of first permission to undertake Rupee Drawing Arrangement (RDA) scheme 30 PRAVAAH 158 Issue and Renewal of license to conduct MTSS business 30 PRAVAAH 159 Issue and Renewal of Money Changer's license 40 PRAVAAH 160 Issue and Renewal of AD Cat-II license 40 PRAVAAH Compounding 161 Compounding of contraventions of FEMA, 1999 180 PRAVAAH Exports 162 Export receivables / payables outside ACU mechanism 10 PRAVAAH 163 Permission for waiving GR Form formalities for exports 10 PRAVAAH 164 Refund / Retention of advance 10 PRAVAAH 165 Resolution of IDPMS / EDPMS issues 10 PRAVAAH 166 Set-Off / Write-Off 10 PRAVAAH External Commercial Borrowing (ECB) / Foreign Currency Convertible Bonds (FCCB) 167 Trade credit under approval route 7 PRAVAAH 168 Approval for deviation from the extant framework for ECBs already availed under automatic route 15 PRAVAAH 169 ECB – Under approval route 40 PRAVAAH 170 Approval to undertake borrowing or lending transaction under FEMA-Reg. 3 of FEMA 3R 40 PRAVAAH 171 Approval to undertake guarantee transaction under FEMA-Reg. 3 of FEMA 8 40 PRAVAAH Foreign Currency Accounts 172 To open foreign currency account in India 7 PRAVAAH 173 To open foreign currency account outside India 7 PRAVAAH 174 To receive salary outside India in foreign currency account 7 PRAVAAH 175 To open Non-Resident Ordinary (NRO) account 30 PRAVAAH Foreign Investment 176 References relating to reporting received from AD branches / individuals / companies 15 PRAVAAH 177 Foreign Direct Investment (FDI): References / clarifications / approvals sought under extant FDI Rules / Regulations (should be invariably routed through AD banks) 30 PRAVAAH General Purpose 178 General References related to acquisition, sale, etc. of immovable properties, External Payments, Trade, EDPMS, IDPMS, Overseas Investment, Authorised Persons, Liaison Office / Branch Office / Project Office, Foreign Investment under NDI Rules, Non-Resident Foreign Currency Accounts, Borrowing / Lending under FEMA 3R, Guarantees 10 PRAVAAH Imports 179 Direct imports 10 PRAVAAH 180 Import receivables / payables outside Asian Clearing Union (ACU) mechanism 10 PRAVAAH 181 Third-country / Merchanting trade / Warehousing 10 PRAVAAH Indian Investment Abroad 182 Disinvestment of shares in Overseas Joint Ventures / Subsidiaries - under approval route 30 PRAVAAH 183 Investment in Overseas Joint Ventures and Wholly Owned Subsidiaries (not covered by automatic route) 30 PRAVAAH 184 Other Overseas Investment - under approval route 30 PRAVAAH Liaison Office (LO) / Branch Office (BO) / Project Office (PO) 185 Permission for establishment of new LO / BO / PO in India under Approval Route 30 PRAVAAH 186 Approval for establishing additional LO / BO in India 30 PRAVAAH Miscellaneous External Payments 187 Approvals given for proposals regarding miscellaneous external payments of permissible Current and Capital Account transactions 40 PRAVAAH Overseas Insurance 188 Approvals to take insurance policies from insurance companies in foreign countries 10 PRAVAAH Transfer / Acquisition of Immovable Property 189 For transfer / acquisition of immovable property under approval route in consultation with Government of India. 30 PRAVAAH 190 Permission for acquisition / transfer of immovable property not covered under general permission in terms of Foreign Exchange Management Act (FEMA), 1999 or the rules / regulations made thereunder. 30 PRAVAAH Internal Debt Management Department (IDMD) (including services provided by Public Debt Offices) Regulatory Approvals 191 Surrender of Primary Dealer (PD) license 30 PRAVAAH 192 Application for empanelment as a Receiving Office for Floating Rate Savings Bonds (FRSB), 2020 45 PRAVAAH 193 License for Primary Dealer (PD) business 60 PRAVAAH Service Requests by Subsidiary General Ledger (SGL) / Constituent Subsidiary General Ledger (CSGL) account holders 194 Closing of SGL / CSGL Account 3 PRAVAAH 195 Modification of Designated Settlement Bank details linked to SGL account 3 PRAVAAH 196 Registration / Revocation / Invocation of Pledge, Lien, etc. 3 Through e-Kuber 197 Opening of SGL Account by eligible entities in terms of extant SGL guidelines 15 PRAVAAH 198 Opening of CSGL Account by eligible entities in terms of extant CSGL guidelines 15 PRAVAAH Service Requests by Receiving Offices# 199 Registration / Revocation / Invocation of Pledge / Lien for Sovereign Gold Bonds (SGBs) 3 Through e-Kuber 200 Rematerialisation of SGBs 3 Through e-Kuber 201 Dematerialisation of SGBs 20$ Through e-Kuber 202 SGB – Submission of claims for payment of interest beyond limitation period 45 PRAVAAH 203 Relief Bonds / Savings Bonds - Submission of claims for payment of interest beyond limitation period 45 PRAVAAH Mumbai Regional Office (MRO), Banking Department 204 Intra Day Liquidity (IDL) limit setting for RTGS members 7 Offline^ i Timeline Timeline ≤ 7 days – Working days.         Timeline > 7 days – Calendar days. Timeline starts after receipt of application / request complete in all aspects (with all attachments / enclosures, etc.). Date of receipt of complete application / request shall be considered as day zero. Timeline includes the time taken by other RBI departments / government / other regulators / external agencies. ^ For offline submissions, download and submit the prescribed form as indicated. * Ahmedabad, Bengaluru, Belapur, Bhopal, Bhubaneswar, Chandigarh, Chennai, Guwahati, Hyderabad, Jaipur, Jammu, Kanpur, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna and Thiruvananthapuram. # Investors shall invariably approach their Receiving Offices for these services, who, in turn, shall submit the applications to RBI and the date of receipt at RBI shall be considered as day zero. $ Provided interest payment due date is not falling within this period.

  

(साभार- www.rbi.org.in)

('बिना प्रोफेशनल ट्रेनिंग के शेयर बाजार जरूर जुआ है'

((शेयर बाजार: जब तक सीखेंगे नहीं, तबतक पैसे बनेंगे नहीं! 

((जानें वो आंकड़े-सूचना-सरकारी फैसले और खबर, जो शेयर मार्केट पर डालते हैं असर

((फाइनेंशियल प्लानिंग (वित्तीय योजना) क्या है और क्यों जरूरी है?

((ये दिसंबर तिमाही को कुछ Q2, कुछ Q3 तो कुछ Q4 क्यों बताते हैं ?

((कैसे करें शेयर बाजार में एंट्री 

((सामान खरीदने जैसा आसान है शेयर बाजार में पैसे लगाना

A- My Youtube Channels: 

1-My Youtube Channel on Money beyourmoneymanager

2-My YouTube Channel on Financial Literacy For Kids TrillionaireTeens 

3-My YouTube Channel on Money in Marathi beyourmoneymanagermarathi

4-My YouTube Channel on Tourism RangaRang India 

5- My YouTube Channel on My songs and Poem Sejalraja 

6-My YouTube Channel on Housing Society Solutions housingsocietysolutions

7-My YouTube Channel on Comedy achchiWaliComedy

B: My Blogs & Website: 

1)Hindi website on Money- 

2)Blog on Tourism & Mis.-   

3) Blog on Cryptocurrency- 

4) Blog on Housing Society- 

5) Marathi Blog on Money- 

6) Blog on My poem, Music, Kahani: 

7) Chandra Kanta Dangi Kahani: www.creativeChandraDangi.blogspot.com

 

C-My published books on Amazon:      

1-कोऑपरेटिव हाउसिंग सोसायटी में रहने वाले हर लोगों के लिए जरूरी किताब।

'हाउसिंग सोसायटी में सियासत; जान पर आफत!'

2-अचानक की गई बंदी इंसान को संभलने का मौका नहीं देती। ऐसे में आनंद के साथ जीने के उपाय क्या हैं। मेरी इस किताब में पढ़िये...बंदी में कैसे रहें बिंदास" 

3-अमीर बनने के लिए पैसों से खेलना आना चाहिए। पैसों से खेलने की कला सीखने के लिए पढ़िये...

'आओ खेलें पैसा पैसा'- 

4-बच्चों को फाइनेंशियल एजुकेशन क्यों देना चाहिए पर हिन्दी में किताब- 'बेटा हमारा दौलतमंद बनेगा' - 

5-अमीर बनने की ख्वाहिश हममें से हर किसी की होती है, लेकिन इसके लिए लोगों को पैसे से पैसा बनाने की कला तो आनी चाहिए। कैसे आएगी ये कला, पढ़िये - 'आपका पैसा, आप संभालें' - 

6-इंसान के पास संसाधन या मार्गदर्शन हो या ना हो, सपने जरूर होने चाहिए। सिर्फ सपने के सहारे भी कामयाब होने वालों की दुनिया में कमी नहीं है। - 'जब सपने बन जाते हैं मार्गदर्शक' -

7-बेटियों को बहादुर बनने दीजिए और बनाइये, ये समय की मांग है,  "बेटी तुम बहादुर ही बनना " -

8 -अपनी हाउसिंग सोसायटी को जर्जर से जन्नत बनाने के लिए पढ़ें,  डेढ़ साल बेमिसाल -

D-My Social Media Handle:  

1) Twitter,Now X :    

2) Facebook: 

3) Facebook Page;   

4) Linkedin:  

5) Instagram: 

 

नागरिक चार्टर , बीयोरमनीमैनेजर , Bank , beyourmoneymanager , Citizen’s Charter , RBI

RBI के नागरिक चार्टर (Citizen’s Charter ) में अब 204 सेवायें शामिल, विस्तार से जानिये

Rajanish Kant बुधवार, 2 जुलाई 2025