INDIAN PAYMENT BANKS |
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WHAT ARE PAYMENT BANKS IN INDIA ?
  A  Payment Bank  is  a type of Non- full service Bank . They can receive deposits , make payments   and arrange Remittance facility for their customers . They will not be able to take up lending activity  or accept Term deposits .   Such banks  can give facilities of internet banking to their customers.   They can issue debit cards  , but cannot issue credit cards .   They can sell Insurance policies and mutual funds .  They can also act as business correspondents of regular commercial banks .Â
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QUOTE : " Payment Banks are Feeders  and  not Threat to Big banks  "Â
                                                             Sri  Raghuram Rajan , Governor of Reserve Bank  of India
Basically  Payment Banks would help  migrant workers  ,  small households  , small businesses  and  unorganised sectors  who  require   minimum banking facilities  like Remittances , Deposits  etc .  On 19th august 2015 ,  Reserve Bank of India has  given licence  or in -principle approval  to 11 entities for   opening such banks  .
The eleven companies include:
The minimum  capital requirements for such banks is Rs 100  crores  .   New licencees are directly to open at least 25%  of the branches in unbanked rural areas .  The   Payment Banks   have to invest their funds in Government  bonds  . 25 % of their funds can be kept in  a   bank account of  a  commercial bank .Â
  RBI  has  initially limited    a  maximum ceiling of Rs 1,00,000  Balance for accounts / deposits  per customer  of  such  Payment Banks  .Â
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QUOTE : " Payment Banks are Feeders  and  not Threat to Big banks  "Â
                                                             Sri  Raghuram Rajan , Governor of Reserve Bank  of India
Basically  Payment Banks would help  migrant workers  ,  small households  , small businesses  and  unorganised sectors  who  require   minimum banking facilities  like Remittances , Deposits  etc .  On 19th august 2015 ,  Reserve Bank of India has  given licence  or in -principle approval  to 11 entities for   opening such banks  .
The eleven companies include:
- Aditya Birla Nuvo Ltd.
- Airtel M Commerce Services Ltd.
- Cholamandalam Distribution Services Ltd.
- Department of Posts
- Fino PayTech Ltd.
- National Securities Depository Ltd.
- Reliance Industries Ltd.
- Dilip Shanghvi, IDFC, Uninor.
- Vijay Shekhar Sharma (Promoter of Paytm)
- Tech Mahindra Ltd.
- Vodafone mPesa Ltd. Â
The minimum  capital requirements for such banks is Rs 100  crores  .   New licencees are directly to open at least 25%  of the branches in unbanked rural areas .  The   Payment Banks   have to invest their funds in Government  bonds  . 25 % of their funds can be kept in  a   bank account of  a  commercial bank .Â
  RBI  has  initially limited    a  maximum ceiling of Rs 1,00,000  Balance for accounts / deposits  per customer  of  such  Payment Banks  .Â
For the customers of Paytm Payment Bank
 If you are a customer of the Paytm Payment Bank :Â
Dated 22.02.2024 : If you have wallet , Fastag, National common mobility card etc issued by Paytm Payment Bank or having savings , current account or any other account  with them , the following fresh directions from RBI will apply from March 15, 2024 :Â
1. Deposits :Â After March 15, 2024, you will not be able to deposit money into your account with Paytm Payments Bank. No credits or deposits other than interest, cashbacks, sweep-in from partner banks or refunds are allowed to be credited. .Â
2. Withdrawals :  Withdrawal or utilisation of balances by its customers from their accounts including savings bank accounts, current accounts, prepaid instruments, FASTags, National Common Mobility Cards, etc will be permitted without any restrictions, up to their available balance .Â
3. No other banking services, like fund transfers (irrespective of name and nature of services like AEPS, IMPS, etc.), BBPOU and UPI facility will be provided by the bank after March 15, 2024 (extended from the earlier stipulated timeline of February 29, 2024). However, for the purpose of for withdrawal or utilisation of available balance by customers or wallet holders), such fund transfers including AEPS, IMPS and UPI will be allowed anytime
4. RBI has directed the Paytm Bank to facilitate withdrawals up to their available balance from all accounts and wallets, excluding the ones that are frozen or lien marked by Law Enforcement or judicial authorities .Â
 5. Merchants who accept payments using a Paytm QR code, Paytm soundbox or Paytm POS terminal, linked to another bank account (not with Paytm Payments Bank). Can continue to use this set-up even after March 15, 2024 . Â
6. NOÂ NEW ACCOUNTS :Â The business restriction dated March 11, 2022, prohibiting Paytm Payments Bank from onboarding any new customers for any of its services continues to be in force. Hence, Paytm Payments Bank cannot onboard any new customers after March 11, 2022.Â
To read RBI PRESS RELEASE DATED 16.02.2023 , CLICK HEREÂ
Dated 22.02.2024 : If you have wallet , Fastag, National common mobility card etc issued by Paytm Payment Bank or having savings , current account or any other account  with them , the following fresh directions from RBI will apply from March 15, 2024 :Â
1. Deposits :Â After March 15, 2024, you will not be able to deposit money into your account with Paytm Payments Bank. No credits or deposits other than interest, cashbacks, sweep-in from partner banks or refunds are allowed to be credited. .Â
2. Withdrawals :  Withdrawal or utilisation of balances by its customers from their accounts including savings bank accounts, current accounts, prepaid instruments, FASTags, National Common Mobility Cards, etc will be permitted without any restrictions, up to their available balance .Â
3. No other banking services, like fund transfers (irrespective of name and nature of services like AEPS, IMPS, etc.), BBPOU and UPI facility will be provided by the bank after March 15, 2024 (extended from the earlier stipulated timeline of February 29, 2024). However, for the purpose of for withdrawal or utilisation of available balance by customers or wallet holders), such fund transfers including AEPS, IMPS and UPI will be allowed anytime
4. RBI has directed the Paytm Bank to facilitate withdrawals up to their available balance from all accounts and wallets, excluding the ones that are frozen or lien marked by Law Enforcement or judicial authorities .Â
 5. Merchants who accept payments using a Paytm QR code, Paytm soundbox or Paytm POS terminal, linked to another bank account (not with Paytm Payments Bank). Can continue to use this set-up even after March 15, 2024 . Â
6. NOÂ NEW ACCOUNTS :Â The business restriction dated March 11, 2022, prohibiting Paytm Payments Bank from onboarding any new customers for any of its services continues to be in force. Hence, Paytm Payments Bank cannot onboard any new customers after March 11, 2022.Â
To read RBI PRESS RELEASE DATED 16.02.2023 , CLICK HEREÂ
RBI TAKES ACTION ONÂ PAYTM PAYMENT BANKÂ UNDER SECTION 35AÂ Â
​Dated 01.02.2024 : In March 2022 , the Reserve Bank of India,, had directed Paytm Payments Bank Ltd (PPBL ) to stop taking new customers .  Now the Comprehensive System Audit report and subsequent compliance validation report of the external auditors of the bank has revealed persistent deficiencies  warranting further supervisory action by RBI . As per the press release dated 31.01.2024 , , the bank cannot take further deposits from its customers  after February 29, 2024. However customers can continue  withdraw the available balances from the bank .Â
The press release reads as follows :Â
"   Now  in exercise of its powers under section 35A of Banking Regulation Act, 1949 and all other powers enabling it in that behalf, the Reserve Bank of India, has  directed PPBL as below:
​Dated 01.02.2024 : In March 2022 , the Reserve Bank of India,, had directed Paytm Payments Bank Ltd (PPBL ) to stop taking new customers .  Now the Comprehensive System Audit report and subsequent compliance validation report of the external auditors of the bank has revealed persistent deficiencies  warranting further supervisory action by RBI . As per the press release dated 31.01.2024 , , the bank cannot take further deposits from its customers  after February 29, 2024. However customers can continue  withdraw the available balances from the bank .Â
The press release reads as follows :Â
"   Now  in exercise of its powers under section 35A of Banking Regulation Act, 1949 and all other powers enabling it in that behalf, the Reserve Bank of India, has  directed PPBL as below:
- No further deposits or credit transactions or top ups shall be allowed in any customer accounts, prepaid instruments, wallets, FASTags, NCMC cards, etc. after February 29, 2024, other than any interest, cashbacks, or refunds which may be credited anytime.
- Withdrawal or utilisation of balances by its customers from their accounts including savings bank accounts, current accounts, prepaid instruments, FASTags, National Common Mobility Cards, etc. are to be permitted without any restrictions, upto their available balance.
- No other banking services, other than those referred in (ii) above, like fund transfers (irrespective of name and nature of services like AEPS, IMPS, etc.), BBPOU and UPI facility should be provided by the bank after February 29, 2024.
- The Nodal Accounts of One97 Communications Ltd and Paytm Payments Services Ltd. are to be terminated at the earliest, in any case not later than February 29, 2024.
- Settlement of all pipeline transactions and nodal accounts (in respect of all transactions initiated on or before February 29, 2024) shall be completed by March 15, 2024 and no further transactions shall be permitted thereafter.  "Â
​To read press release of RBI dated 31.01.2024 , CLICK HEREÂ
PayTM Payment Bank prohibited from taking new customers
PayTM Payment Bank prohibited from taking new customers Â
​Dated 12.03.2022 : Reserve Bank of India has yesterday, under section 35A of the Banking Regulation Act, 1949, directed Paytm Payments Bank Ltd to stop, with immediate effect, onboarding of new customers. The bank has also been directed to appoint an IT audit firm to conduct a comprehensive System Audit of its IT system. Onboarding of new customers by Paytm Payments Bank Ltd will be subject to specific permission to be granted by RBI after reviewing report of the IT auditors.
​This action is based on certain material supervisory concerns observed in the bank.
​Dated 12.03.2022 : Reserve Bank of India has yesterday, under section 35A of the Banking Regulation Act, 1949, directed Paytm Payments Bank Ltd to stop, with immediate effect, onboarding of new customers. The bank has also been directed to appoint an IT audit firm to conduct a comprehensive System Audit of its IT system. Onboarding of new customers by Paytm Payments Bank Ltd will be subject to specific permission to be granted by RBI after reviewing report of the IT auditors.
​This action is based on certain material supervisory concerns observed in the bank.
 YOU CAN NOW KEEP RS 2.00 LAKHS BALANCE IN PAYMENT BANK ACCOUNTÂ
Dated 07.04.2021 :  As per  the present Guidelines for Licensing of Payments Banks issued by RBI ,   payments banks  are allowed to hold a maximum balance of ₹ 1 lakh per individual customer.  However  RBI  has decided now to  enhance the limit of maximum balance at end of the day from ₹1 lakh to ₹2 lakh per  individual customer. A circular in this regard will be issued  by RBI  shortly .  RBI has enhanced the limit    after  reviewing  the performance of payments banks and with a view to encourage their  efforts for financial inclusion and to expand their ability to cater to the needs of their  customers, including MSMEs, small traders and merchants .Â
 To go through RBI  Notification in this regard  , CLICK HEREÂ
Dated 07.04.2021 :  As per  the present Guidelines for Licensing of Payments Banks issued by RBI ,   payments banks  are allowed to hold a maximum balance of ₹ 1 lakh per individual customer.  However  RBI  has decided now to  enhance the limit of maximum balance at end of the day from ₹1 lakh to ₹2 lakh per  individual customer. A circular in this regard will be issued  by RBI  shortly .  RBI has enhanced the limit    after  reviewing  the performance of payments banks and with a view to encourage their  efforts for financial inclusion and to expand their ability to cater to the needs of their  customers, including MSMEs, small traders and merchants .Â
 To go through RBI  Notification in this regard  , CLICK HEREÂ
 Payment Banks  are regulated by   Reserve Bank of India .  Initial promoters of licencees entities should   own 40 %  capital for  at least first 5 years  .  Foreign  share holding is permissible  as per FDI policy for private sector banks .  The voting right is capped 10 %  for any single shareholder . Â
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 The draft guidelines  issued by  Reserve  Bank of India on Payment Banks  is available on their website .  To reach the guidelines . CLICK HEREÂ
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 The draft guidelines  issued by  Reserve  Bank of India on Payment Banks  is available on their website .  To reach the guidelines . CLICK HEREÂ
WHAT WE CAN EXPECT FROM PAYMENT BANKS IN INDIAÂ ?
Payments banks  are expected to  depend upon mobile and ATM infrastructure to provide transactional banking services. Opening an account is expected to be like acquiring a pre-paid mobile number.  With the  intense competition  the new banks would generate may  reduce  charges for remittances, fund transfers and other banking transactions. Customers who do not have the means to maintain minimum balance will  also  can maintain accounts with Payment banks  as revenues of payment Banks are earned through transaction charges .  Â
As per  RBI licence , new payment banks are to be set up within 18 months .  But it is  generally believed that many such licencees may establish their banks  much earlier than the stipulated time frame.Â
As per  RBI licence , new payment banks are to be set up within 18 months .  But it is  generally believed that many such licencees may establish their banks  much earlier than the stipulated time frame.Â
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List of payment Banks in India -
Active Payment Banks in India
 Following  Payment  Banks have  started their operations  ( CLICK ON THE NAME OF THE BANK TO GO TO THEIR WEBSITE )Â
​
1. AIRTEL PAYMENTS BANK LIMITED
2. PAYTM PAYMENTS BANK LIMITEDÂ
3. INDIA POSTS PAYMENT BANKÂ Â
4. FINO PAYMENT BANK
5 .JIO PAYMENT BANKÂ Â
6. ADITYA BIRLA IDEAÂ PAYMENTS BANKÂ Â
 For the brief details about individual payment banks ,  read the following paragraphs .
One may go to individual bank's website to know fully  about their operations , charges they levy etc .Â
​
1. AIRTEL PAYMENTS BANK LIMITED
2. PAYTM PAYMENTS BANK LIMITEDÂ
3. INDIA POSTS PAYMENT BANKÂ Â
4. FINO PAYMENT BANK
5 .JIO PAYMENT BANKÂ Â
6. ADITYA BIRLA IDEAÂ PAYMENTS BANKÂ Â
 For the brief details about individual payment banks ,  read the following paragraphs .
One may go to individual bank's website to know fully  about their operations , charges they levy etc .Â
 BRIEF DETAILS ABOUT  ACTIVE PAYMENT BANKS IN INDIAÂ
AIRTEL PAYMENTS BANK LIMITED
1. AIRTEL PAYMENTS BANK LIMITED  :  Airtel Payments Bank was launched in January 2017, by Bharti Airtel, India’s largest telecom provider . Airtel Payments Bank offers following services :Â
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SAVINGS BANK ACCOUNTS  :   Open a Savings Bank account and get free personal accident insurance cover of Rs 1 Lakh   and earn 3.0% rate of interest . Get an online debit card . Deposit cash at any Banking Point in your vicinity  Withdraw cash through banking points or select bank ATMs  . Buy third party insurance products  Transfer money to any bank account in India through IMPS or UPI . Recharge prepaid mobiles/DTH and pay utility bills (electricity, water, gas, postpaid, etc.) . Book bus and train tickets  .Â
 DIGITAL WALLET : You can have Airtel Money Wallet, the digital wallet of Airtel Payments Bank. You can make online/offline digital payments, recharge your phone, pay utility bills, and much more with Airtel Money Wallet. The wallet provides you with an option to make simple, secure and quick payments through your phone. With Airtel Money Wallet, you can:
MAKE DIGITAL PAYMENTSÂ Â :Â Â Make digital payments at thousands of online and offline merchants throughÂ
a. QR Code Scanning b . Payment to a phone number c. BHIM UPI 4. Merchant Initiated Payment .Â
You can also transfer money, recharge prepaid mobiles/DTH, pay utility bills, book bus / train tickets.
​
​
SAVINGS BANK ACCOUNTS  :   Open a Savings Bank account and get free personal accident insurance cover of Rs 1 Lakh   and earn 3.0% rate of interest . Get an online debit card . Deposit cash at any Banking Point in your vicinity  Withdraw cash through banking points or select bank ATMs  . Buy third party insurance products  Transfer money to any bank account in India through IMPS or UPI . Recharge prepaid mobiles/DTH and pay utility bills (electricity, water, gas, postpaid, etc.) . Book bus and train tickets  .Â
 DIGITAL WALLET : You can have Airtel Money Wallet, the digital wallet of Airtel Payments Bank. You can make online/offline digital payments, recharge your phone, pay utility bills, and much more with Airtel Money Wallet. The wallet provides you with an option to make simple, secure and quick payments through your phone. With Airtel Money Wallet, you can:
MAKE DIGITAL PAYMENTSÂ Â :Â Â Make digital payments at thousands of online and offline merchants throughÂ
a. QR Code Scanning b . Payment to a phone number c. BHIM UPI 4. Merchant Initiated Payment .Â
You can also transfer money, recharge prepaid mobiles/DTH, pay utility bills, book bus / train tickets.
​
PAYTM PAYMENT BANK LIMITED
. PAYTM PAYMENTS BANK LIMITED  : Paytm Payments Bank is India’s only mobile-first bank with zero balance - zero digital transaction charge accounts.  It offers following services :Â
1. Deposits  : Savings Bank & Current AccountÂ
2. Money TransfersÂ
3. Salary Accounts
4. PayTM Wallet
5. Bill & Utility Payment like Telephone Bills , electricity & water billsÂ
6. Merchant PaymentsÂ
PayTM Payment Bank prohibited from taking new customers effective from 11.03.2022 ​
​​
1. Deposits  : Savings Bank & Current AccountÂ
2. Money TransfersÂ
3. Salary Accounts
4. PayTM Wallet
5. Bill & Utility Payment like Telephone Bills , electricity & water billsÂ
6. Merchant PaymentsÂ
PayTM Payment Bank prohibited from taking new customers effective from 11.03.2022 ​
​​
INDIA POSTS PAYMENT BANK
Dated 01.09.2018 : Prime minister Mr Narendra Modi inaugurated  Indian Post Payments Bank (  IPPB )  at a function held in  New Delhi today . The Payments Bank is backed by a vast network of Post offices all over India run by Postal Department of Government of India .  He launched 650 branches of the new payments bank  , 3250 access points and  a mobile app of the bank . The IPPB will utilize more than 3 lakh postmen spread across India to deliver door step financial services  . The services will include opening of accounts , cash deposit / withdrawals , money transfer , deposits  and insurance .Â
 To go to website of the bank , CLICK HEREÂ
 To go to website of the bank , CLICK HEREÂ
 India Post Payments Bank (IPPB) is a 100% government owned payments bank operating under the Department of Posts, Ministry of Communications . It utilizes all of India's 155,015 post offices as access points and 3 lakh postal postmen and Grameen Dak Sewaks to provide Door step services .Â
 The bank offers following services :Â
1. Deposits  : Savings Bank & Current AccountÂ
2. Money TransfersÂ
3. Direct Benefit Transfers  from Government AgenciesÂ
4. Third party products like Loans , Insurance & Investments . post office DepositsÂ
5. Bill & Utility Payment like Telephone Bills , electricity & water billsÂ
6. Merchant PaymentsÂ
​
 The bank offers following services :Â
1. Deposits  : Savings Bank & Current AccountÂ
2. Money TransfersÂ
3. Direct Benefit Transfers  from Government AgenciesÂ
4. Third party products like Loans , Insurance & Investments . post office DepositsÂ
5. Bill & Utility Payment like Telephone Bills , electricity & water billsÂ
6. Merchant PaymentsÂ
​
FINO PAYMENT BANK
  FINO PAYMENT BANK  :Â
 Fino Payments Bank is a fully owned subsidiary of Fino Paytech Ltd.  . It was  the first payments bank to go live with 410 branches and more than 25,000 banking points on day one. The bank was incorporated on 4th April, 2017​ .Â
The services offered includeÂ
1. Domestic Money Transfers &  International Money Transfer
 2. Current or Savings Account .Â
 3. Aadhaar Enabled Payment System (AEPS)
4 . Cash at Point of Sale(POS) .Â
5 . Bill Payments , Mobile / DTH Recharge
6 . Cash Management Services (For Multiple Clients)
7 . Travel BookingsÂ
 Fino Payments Bank is a fully owned subsidiary of Fino Paytech Ltd.  . It was  the first payments bank to go live with 410 branches and more than 25,000 banking points on day one. The bank was incorporated on 4th April, 2017​ .Â
The services offered includeÂ
1. Domestic Money Transfers &  International Money Transfer
 2. Current or Savings Account .Â
 3. Aadhaar Enabled Payment System (AEPS)
4 . Cash at Point of Sale(POS) .Â
5 . Bill Payments , Mobile / DTH Recharge
6 . Cash Management Services (For Multiple Clients)
7 . Travel BookingsÂ
JIO PAYMENT BANK
JIO PAYMENT BANKÂ Â :Â
Reliance Industries Limited partnered with the State Bank of India to establish  Jio Payments Bank Limited, . It was incorporated in November 2016. Â
The bank offers usual  Bank account , digital payments , money transfer , Bill payment services through its Myjio App .Â
Any Indian resident above 18 years of age can open a Jio Payments Bank account with zero balance and with no charges and penalties .Â
Reliance Industries Limited partnered with the State Bank of India to establish  Jio Payments Bank Limited, . It was incorporated in November 2016. Â
The bank offers usual  Bank account , digital payments , money transfer , Bill payment services through its Myjio App .Â
Any Indian resident above 18 years of age can open a Jio Payments Bank account with zero balance and with no charges and penalties .Â
ADITYA BIRLA IDEA PAYMENTS BANK
  ADITYA BIRLA PAYMENT BANK TO WIND UP ITS OPERATIONSÂ
Â
Dated 21.07.2019 : Operations of  ADITYA BIRLA IDEA PAYMENTS BANK , a joint venture company between  Aditya Birla group and vodafone - Idea cellular which  started its operation in February 2018 , are being wound up  as per newspapers reports . Â
It is reported that the board of Directors of the payment bank have applied to the regulators for voluntary winding up of the payment bank . They have also assured prompt payment of the money back to its depositors . Bank is said to have public deposits of Rs 20 crores .Â
 Out of the 11 original licencees  , Tech Mahindra, Cholamandalam Investment and Finance Company , IDFC Bank and Telnor have shut down their operations already .Â
ADITYA BIRLA IDEA PAYMENTS BANK  was a joint venture company between  Aditya Birla group and Idea cellular and had  started its operation in February 2018 . Now the operations of the bank are wound up  and no activity .Â
​
Â
Dated 21.07.2019 : Operations of  ADITYA BIRLA IDEA PAYMENTS BANK , a joint venture company between  Aditya Birla group and vodafone - Idea cellular which  started its operation in February 2018 , are being wound up  as per newspapers reports . Â
It is reported that the board of Directors of the payment bank have applied to the regulators for voluntary winding up of the payment bank . They have also assured prompt payment of the money back to its depositors . Bank is said to have public deposits of Rs 20 crores .Â
 Out of the 11 original licencees  , Tech Mahindra, Cholamandalam Investment and Finance Company , IDFC Bank and Telnor have shut down their operations already .Â
ADITYA BIRLA IDEA PAYMENTS BANK  was a joint venture company between  Aditya Birla group and Idea cellular and had  started its operation in February 2018 . Now the operations of the bank are wound up  and no activity .Â
​
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PRECAUTIONS WHILE Â INVESTING
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TAX ON RETIREMENT
MORE THAN 2000 VIEWSÂ Â Â IN ITS FIRST WEEK OF PUBLICATION Â
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For INCOME TAX NEWS ,  CLICK HERE   FOR BANKING NEWS CLICK HERE
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   AAYKAR SETHU  , NEW MOBILE APPLICATION FOR ALL YOUR INCOME TAX JOBS ​  Â
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