

        .      (Stake holders)  .       (regulatory)     .     1949  .          .  /      .         ...           .

  ,                .  ,  ,   ;                           .               .        .

  ,                 .     .  .    .          .

 

             .     .

(i)    (Demand Deposits) :    

(ii)  :            

(iii)   (Term Deposit) :          . :  ,   ,  ,  ,  ,   .

(iv)    (Notice Deposit) :         

(v)   :       (    (agreed) )              

   

(A)      ...    . (Know Your Customer KYC)             .                       .

(B)                 .                    .

(C)                        .            .            .                .                .

(D)      /    / )      )

 ,  /  /- /HUFs/  / /  

 / / -   / HUF-/  / /    

(E)          ,     .        /        .

(F)    (requirements)   ...     (PAN)        /    . 60  61      .

(G)      ( :   )     ( :   ).   .    ,     ( :   )     . 10           .

(H)     :                .     /            .

(I)          .

(i)     :

   A,B, ,            .

(ii)     / :

      - A,B,C, ,          .         . / .      

J)          /     .

K)              .        15    /   .

L)        .      .         .      .  /   .    .

       .  /           .         .

M)              .      .

N)          .

 

(i)           .                  .

(i)                 .               .           .

(iii)        .             .

(iv)             /         .         (TDS Certificate) . TDS               .

 

(i)      .  , 10       .   .

(ii)       .   /                    .

 /  

    ,     .  ,          .         .   /  /     /   (mark)                   . /          .

    

               .              .

 

             .         .

   

              .    .      (      )

    

                .         .       .

   

                  .    .    .                  .

    

            (   ) .                     .    14    .   14      ,         .

  

    (execution)           .       ,         /   .

   

(i)                  /   .

(i)           .

(iii)       ,       /     .              ,  ,     ,                  .

(iv)    (claimants)           (indemnity)                   .         

     

(i)       O           .                ( )   (simple interest) .

(ii)               .

  

                 .      .

   

         (stop payment instruction)  .

  (Dormant Accounts)

            /   .  /        .       .

  

     .            .      ()   , HUFs, ,    (associates) ,   .      /   .      .           .   .                          .

  

       ,   /     /   .          .        .   60                   .