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11 Payment Banks get RBI’s in-principle approval

20 Aug 2015 Evaluate

The Reserve Bank of India (RBI), further widening the reach of banking services and in a effort to push the government’s goal of financial inclusion has given in-principle approval to 11 entities to open payments banks. The new format of the banks will provide basic savings, deposit, payment and remittance services to people without access to the formal banking system.

Aditya Birla Nuvo; Airtel M Commerce Services of Bharti Airtel; Cholamandalam Distribution Services; Department of Posts; FINO PayTech Ltd; National Securities Depository (NSDL); Reliance Industries (RIL); Tech Mahindra; and Vodafone m-pesa, a unit of telco Vodafone India Ltd, were the nine organizational entities given in-principle approval. Apart from this, two individuals - Dilip Shantilal Shanghvi, founder of Sun Pharmaceutical Industries and Vijay Shekhar Sharma, CEO of One97 Communications that runs Paytm, the mobile commerce and mobile payment company, have received the approval. In-principle approval will be valid for 18 months, after which the entities will be given formal licences, provided they fulfil conditions stipulated by RBI.

RBI said that it had chosen “entities with experience in different sectors and with different capabilities so that different models could be tried”. The apex bank elaborating the selection process said that first, a detailed scrutiny was undertaken by an External Advisory Committee (EAC) under the Chairmanship of Dr. Nachiket Mor, then the recommendations of the EAC were an input to an Internal Screening Committee (ISC), this Internal Screening Committee prepared a final list of recommendations for the Committee of the Central Board (CCB). In arriving at the final list, the CCB noted that it would be difficult at this stage to forecast the most successful likely model in the emerging business of payments. The CCB further noted that payments banks cannot undertake lending, and therefore believed that the payments bank would not be subject to the same risks as a full service bank.

RBI has chosen the 11 from among 41 entities that applied for payments bank licences. Some applicants like Kishore Biyani, group chief executive officer at Future Group, who lost out said they accepted RBI’s decision but were clueless as to why their applications had been rejected.

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11 Payment Banks get RBI’s in-principle approval

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Our Approach: Ensuring compounding work its magic on client portfolio.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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