I-DGCIC imirhumo ishumi psalms ngamnye Rs
I-unye ngasemva Faka i-Inshorensi ukuba kukhuthaza ukholo loluntu kwi-banking indlela kwaye unike umyalelo wokhuselo ngokuchasene ilahleko efakwa ebhankini ukuze ebalulekileyo kangakanani
Kwi-i-India, i-bank efakwa ebhankini ingaba igqunywe phantsi i-inshorensi scheme ezibonelelwe ngu-Faka i-Inshorensi kwaye Credit Isiqinisekiso Corporation (DICGC), ngokupheleleyo owned subsidiary ye-Uvimba Bank ka-India.
DICGC yi statutory umzimba, wadala ngumthetho wepalamente ngowe.
anamashumi njengoko i-inshorensi premium
Zonke abarhwebayo cooperative Iibhanki (state, isithili kunye Engaselunxwemeni cooperative iibhanki) ingaba insured yi-DICGC nangona kunjalo kukho izinto ezimbalwa ezizodwa. Ezi zinto zilandelayo engekho phantsi igqunywe faka i-inshorensi scheme: Ephambili cooperative societies (PACS), eziya dolophana inqanaba ookopolotyeni kunye disburse kwixesha elifutshane amatyala kweli lizwe asingawo insured yi-DICGC. Ngoko ke, jikelele PACS kweli lizwe ingaba ngaphandle coverage ye-DICGC.
Xa i-bank ukhuselwe Faka i-inshorensi scheme ka-DICGC lahluleka okanye undergoes liquidation okanye lungisa kunye nomnye bank i-DICGC akahlawuli isixa-mali ngenxa depositors nge officially wonyulwa liquidator kwixesha babotshelelwe hlobo.
Onke amabango ingaba ube sowuzinzile yi-DICGC zingaphelanga iinyanga ezimbini emva ukususela emveni kokufumana ibango kwi-liquidator.
Ubukhulu isixa-mali ngamnye depositor insured ngu Rs. Oku kuthetha ukuba i-inshorensi iindleko ngu ukuyinyamezela yi-bank nto insured. Ukuba ubani ezahluka-akhawunti ngendlela amasebe efanayo bank, ngoko ke efakwa ebhankini ngendlela amasebe ingaba totaled kwaye ubukhulu ichaphazela ka - ₹-lakh ingaba isicelo eso. Kwimeko edibeneyo ii-akhawunti kunye nezinye ii-akhawunti enye wathi, zonke idiphozithi ii-akhawunti enye loluntu kwi-igama lalo ngendlela efanayo bank ingaba clubbed kunye isicelo ubukhulu-phantsi. Oku kuthetha ukuba umntu sele savings, vertical, ngoku kwaye ukuqhubeka idiphozithi ii-akhawunti ngendlela amasebe bank, abe yena uya kufumana kuphela Rs. omnye Lakh ukuba bank lahluleka Nangona kunjalo, ukuba omnye maintains efakwa ebhankini ngendlela ezahlukeneyo capacities ngendlela ezahlukeneyo iibhanki i Rs. omnye Lakh umda ingaba isicelo eso ngokwahlukeneyo nganye bank.
