What is Joint Mechanism? What is Contribution by Central Government to the Reserve Fund? Section 45Y and 46 of Reserve Bank of India Act 1934
(1) Notwithstanding anything contained in this Act or the Securities and Exchange Board of India Act, 1992 (15 of 1992) or any other law for the time being in force, if any difference of opinion arises as to whether-
(i) any instrument, being derivative referred to in clause (a) or money market instrument referred to in clause (b) or repo referred to in clause (c) or reverse repo referred to in clause (d) or securities referred to in clause (e) of section 45U of this Act; or
(ii) any instrument, being policy of life insurance under the Insurance Act, 1938 (4 of 1938), or the rules or regulations made thereunder, or, scrips or any other securities referred to in sub-clauses (i), (ia), (ib), (ic), (id), (ie), (ii), (iia) and (iii) of clause (h) of section 2 of the Securities Contracts (Regulation) Act, 1956 (42 of 1956),
is hybrid or composite instrument, having a component of money market investment or securities market instrument or a component of insurance or any other instrument referred to in clause (i) or clause (ii) and falls within the jurisdiction of the Reserve Bank of India or the Securities and Exchange Board of India established under section 3 of the Securities and Exchange Board of India Act, 1992 (15 of 1992) or the Insurance Regulatory and Development Authority established under section 3 of the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999) or the Pension Fund Regulatory and Development Authority constituted by the Resolution of the Government of India number F. No. 1(6) 2007-PR, dated the 14th November, 2008, such difference of opinion shall be referred to a Joint Committee consisting of the following, namely :-
(a) the Union Finance Minister-ex officio Chairperson;
(b) the Governor, Reserve Bank of India-ex officio Vice-Chairperson;
(c) the Secretary, Department of Economic Affairs in the Ministry of Finance, Government of India-ex officio Member;
(d) the Secretary, Department of Financial Services in the Ministry of Finance, Government of India-ex officio Member;
(e) the Chairperson, Insurance Regulatory and Development Authority-ex officio Member;
(f) the Chairman, Securities and Exchange Board of India-ex officio Member;
(g) the Chairperson, Pension Fund Regulatory and Development Authority-ex officio Member.
(2) The Secretary, Department of Financial Services in the Ministry of Finance, Government of India shall be the convener of the meetings of the Joint Committee referred to in sub-section (1).
(3) In case of any difference of opinion referred to in sub-section (1), any Member of the Joint Committee referred to in clause (b), (e), (f) or (g) of that sub-section may make a reference to the Joint Committee.
(4) The Joint Committee shall follow such procedure as it may consider expedient and give, within a period of three months from the date of reference made under sub-section (3), its decisions thereon to the Central Government.
(5) The decision of the Joint Committee shall be binding on the Reserve Bank of India, the Securities and Exchange Board of India, the Insurance Regulatory and Development Authority and the Pension Fund Regulatory and Development Authority.
The Central Government shall transfer to the Bank rupee securities of the value of five crores of rupees to be allocated by the Bank to the Reserve Fund.
Section 45NA - Deposits not to be solicited by unauthorised persons
Section 45 NB - Disclosure of information
Section 45 NC - Power of Bank to exempt
Section 45Q - Chapter IIIB to override other laws
Section 45QA - Power of Company Law Board to order repayment of deposit
Section 45QB - Nomination by depositors
CHAPTER IIIC PROHIBITION OF ACCEPTANCE OF DEPOSITS BY UNINCORPORATED BODIES
45S - Deposits not to be accepted in certain cases
Section 45T - Power to issue search warrants
CHAPTER IIID REGULATION OF TRANSACTIONS IN DERIVATIVES, MONEY MARKET INSTRUMENTS, SECURITIES, ETC.
Section 45V - Transactions in derivatives
Section 45W - Power to regulate transactions in derivatives, money market instruments, etc
Section 45X - Duty to comply with directions and furnish information
CHAPTER IIIE JOINT MECHANISM
CHAPTER IV GENERAL PROVISIONS
Section 46 - Contribution by Central Government to the Reserve Fund
Section 46C - National Industrial Credit (Long Term Operations) Fund
Section 46D - National Housing Credit (Long-Term Operations) Fund
Section 47 - Allocation of surplus profits
Section 48 - Exemption of Bank from income-tax and super-tax