Question

Regarding RTGS (Real Time Gross Settlement), what happens if a 'Customer Payment' (R-41) is not credited to the beneficiary's account within the stipulated time of 30 minutes? 

A The bank can keep the funds for 24 hours without penalty.
B The bank must return the money to the sender within 2 hours.
C The bank must pay interest to the customer at the Repo Rate + 2%.
D The bank must pay compensation at the current Repo Rate + 2% if the delay is beyond its control.
E The bank must pay compensation at the current Repo Rate + 2% for the period of delay.
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