Când trimiți INR, va trebui să alegi scopul plății tale. Asta datorită faptului că suntem o instituție financiară reglementată și trebuie să colectăm scopul transferului tău în INR, pentru a respecta legile.
Selectarea codului corect al scopului asigură raportarea corectă a tranzacțiilor și respectarea cerințelor de reglementare. Un cod incorect al scopului Reserve Bank of India (RBI) poate duce la întârzieri în efectuarea plății sau la respingerea acesteia.
Ce coduri de scopuri oferim?
Scopurile transferului pe care le poți selecta variază în funcție de faptul dacă tu sau destinatarul sunteți o persoană fizică (cont personal) sau o companie. Vei vedea scopurile disponibile ale transferului atunci când îți configurezi transferul.
Când trimiți bani din contul tău personal către un destinatar persoană fizică
| Purpose Code | Context |
|---|---|
| Personal expenses | Payments for personal use, education or medical expenses, or to friends |
| Sending money home to family | Payments to family |
| Savings | Payments for your own savings |
| Property purchase | Payment for purchase of property |
| General monthly living expenses | Payments for day-to-day expenses |
| Deposit to Non-Resident Rupee (NRE) accounts | Payments to NRE accounts |
| Education expenses | Payment to education institutions |
| Loan repayment | Payments to repay a loan |
Când trimiți bani din contul tău personal către un destinatar persoană juridică
Limita pentru transferurile către companiile din India este de 1,5 milioane INR pe factură zilnic.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Loan repayment | P0011 | Repayment of loans extended to non-residents | Payments to repay a loan | |
| Education expenses | P1107 | Educational services (e.g. fees received for correspondence courses offered to non-resident by Indian institutions) | Payment to education institutions | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Când trimiți bani din contul tău de afaceri către un destinatar persoană juridică
Limita pentru transferurile către companiile din India este de 1,5 milioane INR pe factură zilnic.
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | ||
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan | Payment against export of goods |
Când trimiți bani din contul tău de afaceri către un destinatar persoană fizică
| Purpose Code | Sub-Purpose Code | RBI Code | RBI Description | Context |
|---|---|---|---|---|
| Travel expenses | P0301 | Purchases towards travel (Includes purchases of foreign TCs, currency : notes etc over the counter, by hotels, hospitals, Emporiums, Educational institutions etc. as well as amount received by TT/Swift transfers or debit. | Payments to travel agents, hotels or airlines | |
| Property purchase | P1301 | Inward remittance from Indian nonresidents towards family maintenance and savings. | Payment for purchase of property | |
| Pay for services | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software export | P0807 | Off-site Software Exports | Payment against export of services including software | |
| Software consultancy/implementation / Consultancy | P0802 | Software consultancy/implementation (other than those covered in SOFTEX form) | ||
| Accounting or related services | P1005 | Accounting, auditing, book keeping services | ||
| Audio or visual Services | P1101 | Inward remittance for maintenance of offices in India | ||
| Business Management or PR Services | P1006 | Business and management consultancy and public relations services | ||
| Data processing or database related charges | P0803 | Data base, data processing charges | ||
| Legal services | P1004 | Legal services | ||
| Research and Development | P1008 | Research and Development | ||
| Pay for goods | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — Other than Nepal and Bhutan | Payment against export of goods | |
| Realisation of export bills | P0102 | Realisation of export bills (in respect of goods) sent on collection (full invoice value) — other than Nepal and Bhutan |
Ce scopuri de transfer nu sunt acceptate de Wise?
Plăți către organizații caritabile
Transferuri comerciale care depășesc 1,5 milioane INR pe factură pe zi
Investiții străine directe
Plăți salariale către India în INR
Dacă ai nevoie de un cod al scopului RBI și acesta nu se regăsește în listele noastre de mai sus, nu putem accepta acest scop de transfer în acest moment.
Ce se întâmplă dacă aleg un cod al scopului incorect?
Selectarea unui cod de scop incorect poate cauza întârzieri sau respingeri.
Dacă transferul tău nu a fost trimis, contactează echipa noastră de asistență pentru clienți. Transferul va fi anulat și rambursat.
Dacă transferul tău a fost deja trimis, nu mai putem schimba codurile de scop pentru transferul tău. Dacă se întâmplă acest lucru, poți:
Lua legătura cu banca beneficiară pentru a respinge banii și a ni-i trimite înapoi. După ce fondurile sunt respinse și rambursate, îți vom putea anula și rambursa transferul.
Va trebui apoi să inițiezi un nou transfer utilizând codul de scop corect.
Ce cod de scop ar trebui să aleg dacă trimit bani pentru a cumpăra o casă?
Depinde de natura transferului tău:
Dacă fondurile sunt pentru un credit pentru locuințe, atunci alege rambursarea creditelor.
Dacă fondurile sunt trimise către o firmă imobiliară pentru investiții în domeniul locativ, atunci alege achiziționarea unei proprietăți. În acest caz, destinatarul trebuie să fie o companie.
Dacă fondurile sunt trimise familiei sau prietenilor, pentru achiziționarea unei case, atunci alege cumpărarea unei proprietăți.