FEFI · FOREIGNEXCHA

Miscellaneous Provisions Relating to Remittances

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Foreign Exchange Facilities for Individuals — Foreign Exchange Facilities for Individuals.

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Q

What is the maximum guarantee amount an AD Category-I bank may issue in favour of a non-resident service provider on behalf of a resident service importer?

A

The maximum guarantee permitted for import of services is USD 500,000 or equivalent.

Q

Under FEMA, how is an IFSC financial institution treated for the purpose of resident-non-resident transactions?

A

As a person resident outside India, making dealings a resident-non-resident transaction.

Q

When an Authorised Dealer processes a remittance under FEMA, who decides whether the remittance is taxable?

A

RBI does not decide taxability; the AD must independently ensure both FEMA permissibility and compliance with tax laws, as these are separate checks.

Q

Can an NRI close relative be included as a joint holder in a resident account on an 'Either or Survivor' basis?

A

Yes, an NRI close relative may be included as Either-or-Survivor joint holder.

Q

Are FEMA permission and tax compliance treated as a single combined check for outward remittances?

A

No, they are separate checks — the AD must satisfy FEMA permissibility as well as applicable tax-law compliance independently.

Q

When an NRI close relative is a joint holder in a resident account, can the NRI's own foreign funds be credited to that account?

A

No, crediting the NRI's own money to such account is not allowed.

Q

Which authority is responsible for confirming that an outward remittance meets tax-law requirements under the principle of separate checks?

A

The Authorised Dealer is responsible, as RBI's role is limited to FEMA permissibility and it does not adjudicate taxability.

Q

In what capacity may an NRI joint holder operate a resident account held with them?

A

The NRI may operate only for and on behalf of the resident account holder.

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