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      Question

      Which of the following entities is covered under the

      Scheme without any asset or deposit size thresholds attached to its name?
      A All Non-Scheduled Primary (Urban) Co-operative Banks Correct Answer Incorrect Answer
      B All Credit Information Companies (CICs) Correct Answer Incorrect Answer
      C All Non-Banking Financial Companies Correct Answer Incorrect Answer
      D Housing Finance Companies (HFCs) Correct Answer Incorrect Answer
      E Infrastructure Debt Fund NBFCs (IDF-NBFCs) Correct Answer Incorrect Answer

      Solution

      Credit Information Companies (such as CIBIL, Experian, etc.) and Non-bank PPI issuers are included unconditionally under the 2026 rules, with no minimum floor limits regarding their asset size or deposit volume. The Scheme applies to services provided by the following Regulated Entities (REs): οƒ˜ Banks: All Commercial Banks, Regional Rural Banks (RRBs), State/Central Co-operative Banks, and Scheduled/Non-Scheduled Primary (Urban) Co-operative Banks with a deposit size of β‚Ή50 crore and above (as of the previous fiscal year's audited balance sheet). Excludes banks under resolution, winding up, or All-Inclusive Directions. οƒ˜ NBFCs: All NBFCs registered with RBI that are authorized to accept deposits OR have a customer interface with an asset size of β‚Ή100 crore and above. (Excludes HFCs, CICs, IDF-NBFCs, NBFC-IFCs, NOFHCs, Primary Dealers, and Mortgage Guarantee Companies). οƒ˜ Prepaid Payment Instruments (PPIs): All Non-bank PPI Issuers. οƒ˜ Credit Information Companies (CICs): All registered CICs.

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