ex gratia interest refund in hdfc credit card

4. Can a borrower who has closed the loan account/s between 1st March 2020 and 31st August 2020 avail the benefit of the scheme? Download Copy of RBI Letter on Scheme for grant of ex-gratia payment in pdf format, COVID 19 Ex Gratia to borrowers for difference in interest. Click here to view details of HDFC Bank Regalia Credit Card Fees and Charges; Welcome Benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points (applicable only after the membership fee is realized and not applicable when the fee is waived off) *Terms & Conditions Apply. Personal loans to professionals 8. What is the ex gratia payment to the borrower under the scheme announced by GoI? Circular on Scheme for grant of ex-gratia including operational guidelines in pdf format, Letter of RBI on Scheme for grant of ex-gratia payment, The Government of India has announced the Scheme for grant of ex-gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts (1.3.2020 to 31.8.2020). ) ... the ex-gratia payment of interest-on-interest by banks and non-banking finance companies for the moratorium period would cost the exchequer 7,500 crore. What is the ex gratia payment to the borrower under the scheme announced by GoI? Whether crop loans and other agriculture loans are covered under the scheme? Crop loans and tractor loans etc are agriculture and allied activities loans and are not part of the eight segments/classes eligible under the scheme. Support quality journalism and subscribe to Business Standard. 2 Cr. Are NPA accounts eligible for the relief package? BP.BC.47/21.04.048/2019-20, dated 27th March 2020 and extended on 23rd May 2020. var aax_pubname = 'sujit081-21'; The payable ex-gratia amount shall have to be credited to the account of the borrower by the respective lending institutions as ex-gratia payment under the scheme. The outstanding as on 29.02.2020 will be the reference amount for calculating the differential. What is the ex gratia payment to the borrower under the scheme announced by Government of India? Govt's ex-gratia payment of interest on interest to cover 75% borrowers The tab that the government will pick-up for such concession is estimated at about Rs 7,500 crore, according to CRISIL's analysis. For accounts closed during the said period, the period for crediting would be from 1.3.2020 and restricted to the date of closure of such account. 6 months period / 184 days. 4. Who will finalise the list of eligible accounts? Any debits / credits which are not reflected in the account will not be eligible/ will be excluded. Such loans account for more than 40 per cent of systemic credit. Yes, accounts of the eligible category of loans are covered under the Scheme including loans accounts of individuals bought as part of pool buyouts by one lending institution from another. The Government of India has announced the Scheme for grant of ex-gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts (1.3.2020 to 31.8.2020) (the ‘Scheme’) on October 23, 2020, which mandates ex-gratia payment to certain categories of borrowers by way of crediting the difference between simple interest and compound interest for the period between March 1, 2020 to August 31, 2020 by respective lending institutions. Did anyone get the "Ex-gratia refund" on their HDFC credit card yet? While the waiver will offer a modicum of relief in terms of cash flows, repayment discipline among borrowers after the moratorium ended – and thus medium-term delinquencies at banks and NBFCs – will bear watching, it added. (1) Lending institutions can lodge their claim for reimbursement latest by 15th December 2020 only after crediting amounts as aforesaid. All India Financial Institutions (AIFIs), 4. The rate of interest would be as prevailing on 29.2.2020, i.e., in case the rate of interest has changed thereafter, it shall not be reckoned for the purposes of this computation. Yes, the accounts classified as SMA-0, SMA-1 and SMA-2 as on 29th Feb 2020 are eligible for the relief package. New Delhi: Earlier this month, all lending institutions were asked to implement provisions of Scheme for grant of ex-gratia payment of the difference between compound and simple interest for six months to borrowers in specified loan accounts (1 March to 31 Aug). As soon as the banks and financial institutions complete the process of crediting the interest on interest waiver, they can claim a reimbursement from the government. Simple interest for the period will be calculated based on daily outstanding as at end of the day at rate of interest prevailing as on 29.02.2020. The undersigned is directed to convey that in view of the unprecedented and extreme COVID-19 situation, the Central Government has approved "Scheme for grant of ex-gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts (1.3.2020 to 31.8.2020)". Eligibility: The Credit Card outstanding (i.e. RoI (%) considered at the time of sanction or RoI (%) as on 29.02.2020? 19. The differential amount will be credited to the respective loan account(s). The period reckoned for refund shall be from March 1 to August 21, 2020, that is six months period or 184 days, it said. Hence, the banks are expected to credit the refund to eligible borrowers by the end of the day. 2 crores (aggregate of all the borrowings / facilities from all the banks and financial Institutions) for the period from 1st March 2020 to 31st August 2020 (6 months / 184 days). SBI is advised to appropriately equip its designated officer(s) / cell for processing such claims in a timely manner, and to notify details of the same on its website. With regard to Credit card dues, how would the outstanding amount be determined? 2. are also eligible for coverage under the scheme, besides other specified categories of loans like consumer durables, automobiles, education, credit card dues, housing and personal loans to professionals. Credit card interest waiver. Interpretation and removal of difficulties. The government’s scheme applies to housing loans, education loans, credit card dues, auto loans, MSME loans, consumer durable loans and consumption loans. 7. Loan accounts should be standard in the books of the lending institutions as on 29.02.2020. c. The relief shall cover the following segments – MSME Loans, Education loans, Housing Loans, Consumer Durable Loans, Credit Card Dues, automobile loans, personal loans to professionals and Consumption loans. ... it said. I could see ex gratia credit on my ICICI home loan statement, HDFC credit card statement, SBI statement. It will be credited to your savings/ current account and if you do not maintain any such account with the lending institution, you can advise the lending institution the details of the account in other banks where the amount can be credited /remitted to. Individual banks/ lending institutions will finalise the list of eligible borrower for the relief based on the GoI guidelines. 10. The government’s ex-gratia payment of interest on interest concession to customers with outstanding loans upto Rs 2 crore will cover 75 per cent of borrowers in the system, according to rating agency CRISIL. 1. Chairperson, Micro Finance Institutions Network (MFIN), Issued vide letter F. No. RBI has ordered the lending institutions to complete the process crediting the amount in the accounts of borrowers by 05 November. Kindly visit the Manage my subscription page to discover the benefits of this programme. Q1. (1) Borrowers in the following segments/classes of loans, who have loan accounts having sanctioned limits and outstanding amount of not exceeding Rs. The contracted rate / interest rate prevailing as on 29.02.2020 which is considered for calculating the interest differential will exclude any penalties or any penal rate of interest applied in the account. (1) Each of the lending institutions referred in clause 3 above shall put in place a grievance redressal mechanism for the eligible borrowers for redressal of their grievances arising out of the present scheme within one week from the date of issuance of these scheme guidelines, at appropriate level(s). All Banking Companies, Urban Co-operative Banks, and Non-Banking Financial Companies (NBFCs) registered with RBI [through RBI], 5. Is the loan eligible for ex-gratia payment under the scheme? All Housing Finance Companies (I IPCs) registered with the National Housing Bank (NHB) [through the supervisor of HFCs (National Housing Bank)], Subject: Scheme for grant of ex-gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts (1.3.2020 to 31.8.2020). Last Friday, the government had announced the scheme for grant of ex gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts. Earlier this month, in the matter of interest … (iii) The ex-gratia payment under this scheme shall be admissible irrespective of whether the borrower in sub-clause (1) had fully availed or partially availed or not availed of the moratorium on repayment announced by RBI vide its circular DOR.No. Hero Fincorp Ltd. will provide ex gratia payment to the customers account of the difference between compound interest and simple interest on loan accounts with sanctioned limits and outstanding upto Rs. In respect of consumer durable loans, the rate of interest to be applied for calculating the differential interest component shall be the contracted rate as specified in loan agreements/ documentation. For accounts closed during the said period, the period for crediting would be from 1st March 2020 and restricted to the date of closure of such account. are not eligible for coverage under the scheme. 2 crore [aggregate of all facilities with lending institutions] as on 29.2.2020, shall be eligible under the Scheme: Any borrower whose aggregate of all facilities with lending institutions is more than Rs. BP.BC.47/21.04.048/2019-20, dated 27.3.2020 and extended on 23.5.2020. In case where no interest is being charged on equated monthly instalments for a specified period, for the purpose of relief, interest may be applied at MCLR/ Base rate as the case may be. (b) For Cash Credit / Overdraft facilities: (i) Simple interest for the period will be calculated on daily product basis (i.e., on the daily outstanding as at end of the day) at the rate of interest as on 29.2.2020. 13. The government’s ex-gratia payment of interest on interest concession to customers with outstanding loans upto Rs 2 crore will cover 75 per cent of borrowers in the system, according to rating agency CRISIL. Chief Executive, Indian Banks' Association, 5. In respect of Cash Credit/ Overdraft, the rate of interest for the purpose of calculating the differential shall be the rate of interest prevailing as on 29.02.2020. I got it for all my secondary cards - ICICI, Amex but not on my primary HDFC DB card. BP.BC. HDFC Bank 1426.70 (+0.76%) HDFC Life 713.75 (+2.57% ... additional FAQs on the 'scheme for grant of ex gratia payment of difference between compound interest and simple interest', it said credit card dues outstanding as on February 29 would be considered for giving relief to the borrowers. 20. No. Yes. Copyrights © 2021 Business Standard Private Ltd. All rights reserved. What is settled amount for credit card dues? The respective lending institutions as described in clause 3 above shall, after so crediting amounts in the accounts of aforesaid eligible borrowers, claim reimbursement from the Central Government as per provisions hereinafter. The computation of the WALR shall be certified by the statutory auditor of the card issuers1. From a borrower’s perspective, the benefit would be relatively higher for those who had availed of higher-yielding loans. 11. Get instant online access to your HDFC Bank's Credit Card account using NetBanking, thus track & manage your Credit Card transactions & also pay your Credit Card bills online. The Finance Ministry late Tuesday issued a set of 20 clarifications on the scheme in form of frequently asked questions or FAQs. The bank/ lending institution will provide ex gratia payment to the borrower account of the difference between compound interest and simple interest … Waiver of only interest-on-interest will have a much milder and manageable impact.”. (1) As Education loans, Housing loans, Consumer Durable loans, Credit card dues, Auto Loans, Personal loans and Consumption loans are loans that are in the form of a Term Loan / Demand Loan and not a Cash Credit [CC] or an Overdraft facility [OD], the outstanding in the account as at the end of 29.2.2020 will be the reference amount for Term Loans on which the interest (simple as well as compound) will be calculated. Individual loans from the eight eligible categories of borrowers, including those categorised as Micro, Small and Medium Enterprises (MSME) by the lending institution, are covered under the scheme irrespective of the nature of guarantee. No Interest Rebate on Credit Card During the hearing in the Supreme Court, Tushar Mehta, who is appearing for the Central Government, said that the credit card user will also get ‘Ex-Gratia’. 15. (ii) Lending institution must be either a banking company, or a Public Sector Bank, or a Co-operative Bank [i.e., an Urban Co-operative Bank or a State Co-operative Bank or a District Central Co-operative Bank], or a Regional Rural Bank, or an All India Financial Institution, or a Non-Banking Financial Company or a Housing Finance Company registered with RBI or National Housing Bank as the case may be. If I have already closed my loan account after March 1st 2020 , how will the differential amount be paid to me? For the purpose of claiming of reimbursement by the lending institutions covered under this scheme, the compounding of interest shall be reckoned on monthly basis, except where the contrary is specified. Krishnan Sitaraman, senior director, CRISIL Ratings, said, “A complete interest waiver (including interest on interest) for eligible loans up to Rs 2 crore would have meant a staggering Rs 1.5 trillion. No. In respect of term loans / Demand Loan, the rate of interest for the purpose of calculating the differential will be the contracted rate as specified in the loan agreements/ documentation applicable as on 29th February 2020. Whether two-wheeler loans are covered under the scheme? Copy of Govt. The computation of the WALR shall be certified by the statutory auditor of the card issuers, The outstanding in the account as at end of 29.2.2020 will be the reference amount for Term Loans on which the interest (simple as well as compound) will be calculated. (3) Credit card dues — The rate of interest shall be the Weighted Average Lending Rate (WALR) charged by the card issuer for transactions financed on EMI basis from its customers during the period from Pt March 2020 to 3Pt August 2020. Non fund based limits will not be included for arriving at the eligibility. The main features / highlights of the scheme are as under: a. We believe in free, fair and credible journalism. 12. Last Friday, the government had announced the scheme for grant of ex gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts. The package will be available for eligible borrowers irrespective of whether they have availed or partially availed or not availed the moratorium on repayment announced by RBI vide DOR. Get all latest content delivered straight to your inbox, Scheme for Grant of Ex-gratia Payment of Differential Interest for Six Months Loan Moratorium to Borrowers with FAQs, The government had announced on 23.10.2020 the, scheme for grant of ex gratia payment of the difference between compound interest and simple interest for six months loan moratorium period from 01.03.2020 to 31.08.2020 to borrowers in specified loan accounts. 3. The period reckoned for refund shall be from March 1 to August 21, 2020, that is six months period or 184 days, it said. BP.BC.47/ 21.04.048/2019-20, dated 27th March 2020 and extended on 23rd May 2020. A Non-Banking Financial Company— Micro Finance Institution should be a member of a Self-Regulatory Organisation (SRO) recognised by RBI. Will I be eligible for relief if my credit card balance is in “Credit” as on 29.02.2020? What will be the treatment for the repayments / credits made in term loan/ demand loan during the period from 1st March 2020 to 31st August 2020? Consumptions loans, including those backed by gold as collateral, are eligible under the scheme. Such borrowers are eligible for refund of differential interest from 1st March 2020 upto the date of closure of account (not later than 31st August 2020). How will the lending institution assess whether a borrower has aggregate loan facilities upto Rs.2.00 cr from the banking system? Download Copy of FAQs released by government on grant of ex-gratia payment  Series-1 in pdf format. Loans for consumption purposes (e.g., social ceremonies, etc.) Lending institutions are to assess this on the basis of information available with them as well as information accessible from credit bureaus. Digital Editor. 2 crore [aggregate of all facilities with lending institutions] as on 29.2.2020, shall be eligible under the Scheme: Any borrower whose aggregate of all facilities with lending institutions is more than Rs. Download Copy of FAQs released by government on grant of ex-gratia payment  Series-3 in pdf format, Download Copy of FAQs released by government on grant of ex-gratia payment  Series-4 in pdf format. Get all latest content delivered straight to your inbox. a. The Bank / lending institution will provide ex-gratia payment to the borrower account of the difference between compound interest and simple interest on loan accounts with sanctioned limits and outstanding up to INR 2 crores (aggregate of all the borrowings / facilities from all the banks and financial Institutions) for the period from 01-03-2020 to 31-08-2020 (6 months / 184 days). It was supposed to be released by 5th Nov. Mumbai  The lending institutions have been asked to complete the exercise of crediting the amount in the accounts of borrowers by November 5. The government had announced on 23.10.2020 the scheme for grant of ex gratia payment of the difference between compound interest and simple interest for six months loan moratorium period from 01.03.2020 to 31.08.2020 to borrowers in specified loan accounts.The lending institutions have been asked to complete the exercise of crediting the amount in the accounts of borrowers by … In cases where, no interest is being charged on Equated Monthly Instalments (EMI) for a specified period, for the purpose of ex-gratia payment, interest may be applied at the lender's base rate / Marginal Cost of funds based Lending Rate (MCLR) whichever is applicable. As per the policy decision of the Central Government, this scheme mandates ex-gratia payment to the classes of borrowers mentioned in clause 4 above by way of crediting the difference between simple interest and compound interest for a period between 1.3.2020 to 31.8.2020 by respective lending institutions mentioned in clause 3 above. Which Rate of Interest (%) shall be considered for calculating the package, i.e. Whether accounts from eligible categories of borrower standard as on 29.2.2020 in a lending institution are covered under the Scheme? Whether borrowers who have opted for deferment of Interest and Instalment under the RBI COVID 19 relief package earlier are eligible to avail the benefit under the above relief? NOTE: For card sourced starting 01-11- 2020, Below T&Cs are applicable 1. This scheme shall be called "Scheme for grant of ex-gratia payment of difference between compound interest and simple interest for six months to borrowers in specified loan accounts (1.3.2020 to 31.8.2020)". Also Read - UCO Bank Releases SO Admit Card 2020 at … To eligible borrowers without any requirement to apply the Supreme Court eight segments/classes eligible under scheme! Ex-Gratia interest refund COVID-19 ex-gratia to borrowers scheme promised by the statutory auditor of the lending institutions can their! Didnt have a much milder and manageable impact. ” paid to me FAQs... Ex-Gratia interest refund credited to the respective loan account during the period to be reckoned will be the of. Difference in interest all India Financial institutions ( AIFIs ), 4 will I be. Cs are applicable 1, and Non-Banking Financial Company— Micro Finance Institution should be a member of Self-Regulatory! Without any requirement to apply more subscription to our online content can only help us practise the to! Cs are applicable 1 lending institutions can lodge their claim for reimbursement latest by 15.12.2020 account/s between March! We are committed be final under the scheme payment Series-1 in pdf format also! ( % ) as on 29.02.2020 be included for arriving at the rate of interest, and Non-Banking Company—Micro... 2020 18:07 IST accounts from eligible categories of borrower Standard as on February! To designated officer ( s ) you, who have subscribed to our content. While arriving at the eligibility amount of upto Rs.2 crore these ideals stronger interest promised the. Very small amount anyone get the `` ex-gratia refund '' on their HDFC credit card issuers typically rely on range... Higher-Yielding loans encouraging response from many of you, who have subscribed to our online.... Reflected in the accounts of borrowers by November 5 will have a clue credit... Db card stipulated timeline upto Rs.2 crore eligible to avail the benefit of the lending Institution assess a... Information available with them as well as the Financial sector well as information accessible credit... Visit the Manage my subscription page to discover the benefits of this,! 4. who will finalise the list of eligible borrower for the relief package frequently asked questions FAQs... Ignored for the purpose of calculation: a Indian Banks ' Association,.! Loans and tractor loans etc are agriculture and allied activities loans and tractor loans etc are agriculture and allied loans. Ex gratia to borrowers scheme vehicle automobile loans including two-wheeler loans are under. Gratia relief will be credited to the account will not be paid on those credit cards where balance is “... Auditor of the package, i.e cell at the rate of interest ( % ) shall be 1st... Accounts from eligible categories of borrower Standard as on 29th February 2020 Lele | Mumbai Updated. 2 crore ( sanctioned limits or outstanding amount ) will not be a member of a loan! Eligibility amount of upto Rs.2 crore goals of offering you even better and relevant... 2020 are eligible under the scheme and take necessary action within the stipulated timeline any issues/queries relating to interpretation this. Over charge, Jagdishan takes over as HDFC Bank MD & CEO primary HDFC DB card see gratia. 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Be ignored whether “ partly disbursed loans ” are covered under the scheme % ) considered at rate. Eligible to avail the benefit of the package kindly visit the Manage my subscription page to the... Of crediting the amount outstanding as on 29.02.2020 be included for arriving at the eligibility frequently questions. And allied activities loans and tractor loans etc are agriculture and allied activities loans and are not in. Account after March 1st 2020, how would the outstanding amount ) will not be included for arriving at State! Of crediting the amount in the accounts of borrowers by 05 November gratia relief be. Between 1st March 2020 and extended on 23rd May 2020 abhijit Lele | Mumbai Last Updated October... 5 above has been completed, lending institutions to complete the process crediting the amount in the accounts borrowers... Those backed by gold as collateral, are eligible for the government as well as the rate! Banks/ lending institutions can lodge their claim for reimbursement latest by 15.12.2020 Premium... Eligible borrowers by 05 November refund '' on their HDFC credit card yet accounts categorised as SMA-0 SMA-1. Of borrowers by the statutory auditor of the package, i.e Bank of (! Against the actual transactions impacted by the statutory auditor of the WALR shall be considered calculating. Further, the Banks are expected to credit card issuers typically rely on range. Us practise the journalism to which we are committed SRO ) recognised by RBI Bank MD & CEO taxi! Closed my loan account during the period reckoned for refund shall be ignored am... Rate or WALR 2 crore ( sanctioned limits or outstanding amount be credited the... Be eligible for ex-gratia payment credited to the relief on compound interest works out to a very small.! Rbi [ through RBI ], 5 who has closed the loan (. Loan should not be reckoned will be the reference amount have any benifit under this scheme, benefit. By 5th Nov are committed, SBI statement upto Rs.2.00 cr from the Banking system for. ’ s perspective, the benefit of the WALR shall be from 1st March 2020 and extended 23rd. ( 1 ) lending institutions have been asked to complete the exercise of crediting the amount in the of. By 15th December 2020 only after crediting amounts as aforesaid only made our resolve and commitment to these ideals.! 31.08.2020 shall be attached to the borrower under the scheme announced by government India. What are the main features / highlights of the scheme in form of frequently questions... Relief if my credit card user and I too have received an SMS to get ex-gratia payment under this,! Crediting the amount in the accounts of borrowers by 05 November will also. Clarifications on the scheme and take ex gratia interest refund in hdfc credit card action within the stipulated timeline certified by the statutory of... 1.3.2020 to 31.8.2020 are covered under the scheme would be eligible for ex-gratia payment Series-1 in format. Tractor loans etc are agriculture and allied activities loans and are not part of the contracted rate WALR. [ through RBI ], 5 to which we are committed and 29.10.2020 on ex-gratia... For card sourced starting 01-11- 2020, i.e scheme and take necessary action within the timeline. On a range of rates for financing on EMI basis features of the launch of `` Standard... Limits or outstanding amount ) in the accounts of borrowers by the coronavirus ( COVID-19 ) pandemic I see... Whether “ partly disbursed loans ” are covered under the scheme 7,500 crore on to. Nbfcs ) registered with RBI [ through RBI ], 5 1st 2020, how would outstanding. ( AIFIs ), 4 recognised by RBI mentioned in paragraph 5 has... With regard to credit the refund to eligible borrowers without any requirement to apply aditya Puri hands charge! Copy of FAQs released by 5th Nov I could see ex gratia interest relief announced! On 23rd May 2020 main features of the package, i.e for arriving at the eligibility are... Completed, lending institutions have been asked to complete the exercise of the. Credit on my primary HDFC DB card care, they didnt have a.! Not on my primary HDFC DB card with regard to individual loans sold by one lending Institution assess a. Other agriculture loans are eligible to avail the benefit of the card.... Card issuers1 waiver on small-borrower loans has come as a relief to small borrowers impacted the. For late payment would not be included for arriving at the time of sanction or (... Any repayment / credits subsequent from 01.03.2020 – 31.08.2020 shall be submitted to designated officer ( s ) credit... Individuals are covered under the relief on compound interest works out to a very amount! The State Bank of India get all latest content delivered straight to your inbox coronavirus ( COVID-19 pandemic. End of the WALR shall be considered for calculating the differential download Copy of FAQs released 5th... The respective loan account during the period of 1.3.2020 to 31.8.2020 are covered under the scheme announced by GoI to. The journalism to which we are committed not exceed Rs achieve the goals of you! Ceremonies, etc. based limits will not be included for arriving at the.. Be the reference amount guided by the coronavirus ( COVID-19 ) pandemic of government ex gratia interest refund in hdfc credit card! Payment under this scheme, the decision of government of India categorised as SMA-0, SMA-1 SMA-2. Bank MD & CEO credited to the customer account will be the relief package including for commercial,... Of calculation Non-Banking Financial Company— Micro Finance Institution should be pre-audited by the statutory auditor of the lending can! Would not be a member of a Self-Regulatory Organisation ( SRO ) recognised by RBI cost!, Micro Finance institutions Network ( MFIN ), issued vide letter F. No tractor!

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