jftLVªh la- Mh- ,y-&33004@99

la. 307]

ubZ fnYy

No. 307]

NEW DELHI, TU

eksckby

lalalala- 305&27@2010&lsok xq.koÙkk

305&27@2010&lsok xq.koÙkk

305&27@2010&lsok xq.koÙkk-—

mi&/kkjk ¼1½ ds [kaM ¼[k½ ds mi&[kaM ¼i½ vkSj

fofu;ked izkf/kdj.k] eksckby cSafdax ¼lsok dh

cukrk gS] vFkkZr~ %&

1- ¼1½ bu fofu;eksa dks eksckby cSafdax ¼ls

¼2½ ;s fofu;e] buds ljdkjh jkti= e

2- eksckby cSafdax ¼lsok dh xq.koÙkk½ fofu;e] 2

var%LFkkfir fd;k tk,xk] vFkkZr~%&

**¼[kd½ **,tsaV** ls vk'k;] cSad }kjk eksckby Qks

3- ewy fofu;eksa ds fofu;e 3 esa]&&

¼d½ mi&fofu;e ¼1½ esa] *'kCn *cSadks }kjk**] ds

vFkok blds ,tsaV] vFkok xzkgd }kjk tfur** izf

¼[k½ mi&fofu;e ¼2½ esa] 'kCn **xzkgd vFkok cSad

¼x½ mi&fofu;e ¼3½ ds LFkku ij fuEufyf[kr

** ¼3½ ,d ,Dlsl iznkrk }kjk cSad ,oa blds ,

mi;ksx dh vuqefr nh tk,xh vkSj xzkgd vF

forfjr fd;k tk,xk**]

¼?k½ mi&fofu;e ¼4½ esa] 'kCn **nks**] tgka dgha

¼p½ mi&fofu;e ¼5½ esa] 'kCn **xzkgd vFkok cSad

¼N½ mi&fofu;e ¼6½ esa] 'kCn **cSad }kjk Hksts

4990 GI/2013

REG

vlk/kj.k

EXTRAORDINARY

Hkkx III—[k.M 4

PART III—Section 4

izkf/dkj ls izdkf'kr

PUBLISHED BY AUTHORITY

yh] eaxyokj] uoEcj 26] 2013@vxzgk;.k 5] 1935

UESDAY, NOVEMBER 26, 2013/AGRAHAYANA

Hkkjrh; nwjlapkj fofu;ked izkf/kdj.k

vf/klwpuk

ubZ fnYyh] 26 uoEcj] 2013

y cSafdax ¼lsok dh xq.koÙkk½ fofu;e] 2013 ¼2013 dk 13½

—Hkkjrh; nwjlapkj fofu;ked izkf/kdj.k vf/kfu;e] 1997 ¼199

kj ¼v½ ds lkFk ifBr /kkjk 36 ds varxZr izkIr 'kfDr;ksa dk iz;ks

xq.koÙkk½ fofu;e] 2012 ¼2012 dk 8½ esa la'kks/ku djus ds fy,

lsok dh xq.koÙkk½ ¼la'kks/ku½ fofu;e] 2013 dgk tk,xkA

esa izdk'ku dh rkjh[k ls izo`Ùk gksaxsA

012 ¼ftls vkxs ewy fofu;e dgk x;k gS½ ds fofu;e 2 ds [kaM

ku ds ek/;e ls cSafdax lsok,a iznku djus ds fy, vf/kd`r fd, x,

fy, ** cSadksa o buds ,tsaVks }kjk** vkSj 'kCn **cSad vFkok xzkgd }

ifrLFkkfir fd, tk,axs]

d**] ds LFkku ij ** xzkgd vFkok cSad ;k blds ,tsaV** 'kCn izfrL

mi&fofu;e izfrLFkkfir fd;k tk,xk] vFkkZr~] &

,tsaV dks] cSad ds xzkgdksa dks cSafdax lsok,a iznku djus ds fy,] M

Fkok cSad ;k blds ,tsaV }kjk tfur lans'k dks mi&fofu;e ¼5½

Hkh ;g vkrk gS] ds LFkku ij 'kCn **ikap** izfrLFkkfir fd, tk,axs]

d**] ds LFkku ij ** xzkgd] vFkok cSad ;k blds ,tsaV** 'kCn izfrL

x,**] ds LFkku ij ** cSad vFkok blds ,tsaV }kjk Hksts x,** 'kCn

(1)

GD. NO. D. L.-33004/99

5, 1935

7 dk 24oka½ dh /kkjk 11 dh

ksx djrs gq,] Hkkjrh; nwjlapkj

,rn~}kjk fuEufyf[kr fofu;e

¼[k½ ds ckn] fuEufyf[kr [kaM

, O;fDr] ls gS]

}kjk tfur** ds fy, 'kCn **cSad

LFkkfir fd, tk,axs]

MCY;w,ih vFkok ,lVhds ds

esa fu/kkZfjr le;&lhek esa

LFkkfir fd, tk,axs]

izfrLFkkfir fd, tk,axs]

THE GAZETTE OF INDIA : EXTRAORDINARY

[PART III—SEC. 4]

4- ewy fofu;eksa ds fofu;e 7 ds mi&fofu;e ¼2½ esa 'kCn **xzkgd vFkok cSad** tgka dgha Hkh vk;k gS] ds LFkku ij 'kCn **xzkgd vFkok cSad ;k

blds ,tsaV** izfrLFkkfir fd, tk,axs A

jktho vxzoky] lfpo

[foKkiu III@4@vlk/kj.k@142@13]

fVIi.kh 1%&

fVIi.kh 1%&ewy fofu;eksa dks fnukad 17 vizSy] 2012 dh vf/klwpuk la[;k&305&27@2011&D;wvks,l ds }kjk Hkkjr ds jkti=] vlk/kkj.k]

Hkkx&III] [kaM 4 esa 17 vizSy] 2012 dks izdkf'kr fd;k x;k A

fVIi.kh 2 %&

fVIi.kh 2 %&O;k[;kRed Kkiu }kjk eksckby cSafdax ¼lsok dh xq.koÙkk½ ¼la'kks/ku½ fofu;e] 2013 ds mn~ns'; vkSj dkj.kksa dks Li"V fd;k x;k gS A

O;k[;kRed Kkiu

1- bl la'kks/ku dk mn~ns';] cSadksa ds ,tsaV ds :Ik esa dk;Zjr ,xzhxs'ku IysVQkeZ iznkrkvksa dks eksckby cSafdax lsok,a iznku djus ds fy,

,l,e,l] ;w,l,lMh ,oa vkbZohvkj pSuyksa dk iz;ksx djus ds fy, ,Dlsl lsok iznkrkvksa ds lkFk baVjQsl ra= dh LFkkiuk gsrq lqfo/kk iznku

djuk gS A

2- Hkknwfoizk }kjk eksckby cSafdax ¼lsok dh xq.koÙkk½ fofu;e] 2012 tkjh fd;k x;k FkkA ;s fofu;e] okgd ds :Ik esa dk;Z dj jgs izR;sd ,Dlsl

iznkrk dks vU; ckrksa ds lkFk gh lkFk vf/knsf'kr djrs gSa fd os cSadks dks vius xzkgdksa dks cSafdax lsok iznku djus ds fy, laf{kIr lans'k lsok

¼,l,e,l½] vlajfpr iwjd lsok MkVk ¼;w,l,lMh½] baVj ,fDVo okW;l fjLikal ¼vkbZohvkj½] ok;jySl ,Dlsl izksVksdkWy ¼MCY;w,ih½ rFkk fle Vwy

fdV ¼,lVhds½ ds iz;ksx rFkk cSad ;k xzkgd }kjk tfur lans'kksa dh lqiqnZxh fu/kkZfjr le;&lhek ds vanj djus dh lqfo/kk iznku djsaxsA

3- cktkj esa igys ls gh miyC/k dqN eksckby cSafdax lek/kkuksa esa] cSadksa }kjk caSfdax ysu&nsuksa dh pSufyax ,oa izlaLdj.k rFkk ,Dlsl lsok

iznkrkvksa ds lkFk baVjQsl ds fy, ,xzhxs'ku IysVQkeZ iznkrkvksa dh lsokvksa dk mi;ksx fd;k tkrk gS A Hkknwfoizk }kjk fnukad 20@09@2013 dks

foÙkh; lekos'ku ds fy, ;w,l,lMh vk/kkfjr eksckby cSafdax lsokvksa ij ijke'kZ i= esa **cSadksa ds vf/kd`r ,tsaVksa dks ,xzhxs'ku IysVQkeZ iznkrk ds

:Ik esa cSafdax lsok,a iznku djus ds fy, ,l,e,l] ;w,l,lMh ,oa vkbZohvkj dk mi;ksx djus dh lqfo/kk** ds eqn~ns mBk, x, FksA

4- bl fo"k; ij] fgr/kkjdksa }kjk fVIi.kh nh xbZ fd cSadksa ds ,xzhxs'ku IysVQkeZ iznkrkvksa dks ,l,e,l] ;w,l,lMh ,oa vkbZohvkj pSuyksa ds

iz;ksx dh vuqefr nsus ls izkS|ksfxdh rFkk ysu&nsu ykxr esa deh vk,xhA bu ,tsaVksa ds }kjk cSadksa ds usVodZ dk foLrkj djus rFkk xzkgdksa rd

igqap esa] egRoiw.kZ Hkwfedk vnk dh tk ldrh gSA bl izdkj ds ,tsaV] cSadksa rFkk ,Dlsl lsok iznkrkvksa ds chp lk>k IysVQkeZ LFkkfir djus vkSj

eksckby cSafdax ds fy, vfHkuo lek/kku ds izko/kkuksa ds fy, egRoiw.kZ Hkwfedk fuHkk ldrs gSa A ikfjfLFkfrdh ra= esa] cSadksa ds ,xzhxs'ku IysVQkeZ

iznkrkvksa dh Hkkxhnkjh ls u, mRiknksa ds fodkl dks c<+kok feysxk vkSj mi;ksxdrkZ dks xq.koÙkk c<+ksÙkjh dk vuqHko gksxkA izkf/kdj.k dk vfHker

gS fd okgd ds :Ik esa dk;Zjr izR;sd lsok iznkrk }kjk u dsoy cSadksa dks] cfYd cSadksa ds xzkgdksa dks cSafdax lsok,a lqyHk djkus ds fy,] cSadksa ds

vf/kd`r ,tsaVksa dks ,l,e,l] ;w,l,lMh rFkk vkbZohvkj dk mi;ksx djus dh lqfo/kk iznku dh tkuh pkfg, A ,Dlsl iznkrk] vius usVodZ esa

cSadksa ;k muds ,tsaVksa dks mi;qDr baVjQsl Hkh iznku djas A ;w,l,lMh pSuy ds ek/;e ls cSafdax lsok,a iznku djus ds fy,] ,Dlsl iznkrk }kjk

de ls de ,d lqjf{kr gkbijVsDLV VªkalQj izksVksdkWy ¼,pVhVhih,l½ dusD'ku iznku fd;k tk,A rFkkfi] ;fn cSadksa ;k muds ,tsaV dks yhTM

ykbu dusfDVfoVh] tSls lefiZr nwjlapkj lalk/kuksa dh vko';drk gks rks] mlds fy, ,Dlsl iznkrkvksa dks vyx ls ekax djus ij] miyC/k

djk;k tk ldrk gS] vFkkZr~ bl izdkj ds lalk/kuksa dh ykxr dks cSad ;k mlds ,tsaV }kjk ogu fd;k tk,xkA

5- lsok iznkrkvksa ds la?kksa us eksckby cSafdax ¼lsok dh xq.koÙkk½ fofu;e] 2012 ds mica/kksa ds laca/k esa viuh fpark izdV dh] ftlesa ,Dlsl lsok

iznkrkvksa dks ;g lqfuf'pr djus dk vf/kns'k fn;k x;k gS fd eksckby cSafdax ls ysu&nsu dh fLFkfr esa] ,l,e,l dk Vªkalfe'ku vf/kdre nks

pj.kksa esa ;k ;w,l,lMh vkSj vkbZohvkj ds ekeys esa izfof"V dk fodYi nks pj.k ls vf/kd ugha gksuk pkfg, A eksckby cSafdax esU;w esa izR;sd

izdkj ds ysu&nsu dh izfØ;k dks nks pj.kksa esa iwjk djuk laHko ugha gks ldrk gSA eksckby cSafdax esU;w esa vkSj vf/kd lqfo/kk iznku djus ls]

ysu&nsu izfØ;k dks nks pj.kksa esa iwjk djuk vkSj vf/kd eqf'dy gks tk,xkA cSadksa rFkk muds ,tsaVksa] tks fd eksckby cSafdax ds fy, Hkqxrku xsVos

dks fØ;kfUor dj jgs gSa] ds lkFk ekeys dh tkap dh xbZA mUgksaus ;g jk; O;Dr dh fd nks pj.kksa esa dbZ ekinaMksa dks iwjk djuk eqf'dy gksxkA

izkf/kdj.k us ekeys dh tkap dh rFkk ysu&nsus iwjk djus ds pj.kksa dks c<+dj ikap fd;k x;k gS A

TELECOM REGULATORY AUTHORITY OF INDIA

NOTIFICATION

New Delhi, the 26th November, 2013

The Mobile Banking (Quality of Service) (Amendment) Regulations, 2013 (13 of 2013)

No. 305-27/2010-QoS.—In exercise of the powers conferred by Section 36, read with sub-clauses (i) and

(v) of clause (b) of sub-section (1), of Section 11 of the Telecom Regulatory Authority of India Act, 1997 (24 of

1997), the Telecom Regulatory Authority of India hereby makes the following regulations to amend the Mobile

Banking (Quality of Service) Regulations, 2012 (8 of 2012), namely:-

1. (1) These regulations may be called the Mobile Banking (Quality of Service) (Amendment) Regulations, 2013.

(2) These regulations shall come into force from the date of their publication in the Official Gazette.

¹Hkkx IIIµ[k.M 4º

Hkkjr dk jkti=k % vlk/kj.k

2. In regulation 2 of the Mobile Banking (Quality of Service) Regulations, 2012 (hereinafter referred to as the

principal regulations), after clause (b), the following clause shall be inserted, namely:-

“(ba) “agent” means a person authorized by the bank to provide banking services through mobile phone;

3. In regulation 3 of the principal regulations,—

(a) in sub-regulation (1), for the words “shall facilitate the banks”, the words “shall facilitate the banks and its

agent” and for the words “generated by the bank or the customer”, the words “generated by the bank or its

agent, or, the customer” shall be substituted;

(b) in sub-regulation (2), for the words “the customer or the bank”, the words “the customer, or, the bank or its

agent” shall be substituted;

“(3) An access Provider may permit the bank and its agent to use WAP or STK to provide banking services to the

customer of the bank and a message generated by the customer, or, the bank or its agent shall be delivered within the

time frame specified in sub-regulation (5);”

(d) in sub-regulation (4), for the words “two”, wherever it occur, the word “five” shall be substituted;

(e) in sub-regulation (5), for the words “the customer or the bank”, the words “the customer, or, the bank or its

agent” shall be substituted;

(f) in sub-regulation (6), for the words “sent by the bank” the words “sent by the bank or its agent” shall be

substituted;

4. In regulation 7 of the principal regulations, in sub-regulation (2), for the words “the customer or the bank”,

wherever they occur, the words “the customer, or, the bank or its agent”, shall be substituted;

RAJEEV AGRAWAL, Secy.

[ADVT. III/4 Exty./142/13]

Note 1.—The principal regulations were published in the Gazette of India, Extraordinary, Part III, Section 4 dated the

17th April, 2012 vide notification number No. 305-27/2011-QoS dated the 17th April, 2012.

Note 2.—The explanatory Memorandum explains the objects and reasons of the Mobile Banking (Quality of Service)

(Amendment) Regulations, 2013.

EXPLANATORY MEMORANDUM

1. The purpose of this amendment is to establish a framework to facilitate the aggregation platform providers as

agents of the banks to interface with the access service providers for use of SMS, USSD and IVR channels to

provide mobile banking services.

2. TRAI had issued the Mobile Banking (Quality of Service) Regulations, 2012. These regulations, inter-alia,

mandate that every Access Provider, acting as bearer, shall facilitate the banks to use Short Messaging Service

(SMS), Unstructured Supplementary Service Data (USSD), Inter-Active Voice Response (IVR), Wireless Access

Protocol (WAP) and SIM Tool Kit (STK) to provide banking services to its customers and deliver the message

generated by the bank or the customer within a stipulated time frame.

3. In some of the mobile banking solutions already deployed in the market, banks are utilising the services of their

aggregation platform providers for channelling and processing the banking transactions, and interfacing with the

Access Service Providers. The issue of ‘facilitating authorized agents of banks acting as the aggregation platform

providers to use SMS, USSD and IVR to provide banking services’ was raised in the Consultation Paper on

USSD-based Mobile Banking Services for Financial Inclusion, issued by TRAI on 20.09.2013.

4. On this subject, stakeholders have said that allowing the aggregation platform providers of banks to use SMS,

USSD and IVR channels will reduce technology and transactions costs. These agents could play an important role

in expanding the network of banks and reaching the customers. Such agents would play a vital role in the creation

of common platform to connect banks and Access Service Providers and in provision of innovative solutions for

mobile banking. The participation of aggregation platform providers of banks in the eco-system would foster the

development of new products and enhance the quality of user experience. The Authority is of view that every

access service provider, acting as bearer, should facilitate not only the banks but also the authorized agents of the

banks to use SMS, USSD and IVR to provide banking services to the bank’s customers. The access service

THE GAZETTE OF INDIA : EXTRAORDINARY

[PART III—SEC. 4]

providers should also provide to the banks or their agents, appropriate interface with their network. For providing

banking services through USSD channel, the access provider should at least provide a Hypertext Transfer Protocol

Secure (HTTPS) connection. However, if the bank or its agent requires dedicated telecom resources like leased

line connectivity, the same could be through a separate demand on the Access Providers viz. the bank or its agent

should bear the cost of such resources.

The service provider’s associations had raised its concern about the provision in the Mobile Banking (Quality of

Service) Regulations, 2012, which mandates the Access Service Providers should ensure that the transaction of

mobile banking is completed in not more than two stage transmission of message in the case of SMS or not more

than two stage entry of options in the case of USSD and IVR. The completion of transaction in two stages may not

be possible for every kind of transaction on a mobile banking menu. It will become more difficult to complete

transactions in two stages as more facilities are provided on a mobile banking menu. The matter was checked with

banks and their agents who are implementing the payment gateway for mobile banking. They have also expressed

that it is difficult to capture multiple parameters in two stages. The Authority has examined the matter and

increased the completion stages for completing the transaction to five stages.

Printed by the Manager, Government of India Press, Ring Road, Mayapuri, New Delhi-110064

and Published by the Controller of Publications, Delhi-110054.