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The author has posted comments on this articleMayur Shetty, TNN | Nov 28, 2014, 01.10AM IST

Issuing the guidelines for new entities, the Reserve Bank of India on Monday said it will accept applications for both types of new banks up to January 16.

Among the finance companies, Muthoot Finance, which already has a presence in several unbanked areas due to its gold loan business, said it is interested in floating a small finance bank. Shriram Capital, which has the expertise in running low-cost operations, has expressed interest too. Oxigen Services India and ItzCash - both pre-paid instrument issuers - said they are keen on a payment bank licence. Telecom companies such as Vodafone, Idea and Airtel may also seek a payment bank licence as the RBI has done away with the requirement for a diversified ownership structure. However, a minimum of 26% shareholding has to be with Indians.

The objective of the small finance bank appears to be aimed at having more regulated entities in the area of microfinance and furthering financial inclusion while the payments banks are targeted at providing modern transaction services and savings facilities to the unbanked. The biggest gainers from these regulations would be the telecom companies and issuers of pre-paid instruments, who have been straining to have a bigger slice of the financial services pie. Mobile companies like Vodafone and Airtel had already made large investments to provide remittance and banking services but were stymied by RBI restrictions, which forced them to tie up with banks. Public sector entities like IndiaPost too will have an opportunity to leverage their network. The Cellular Operators Association of India had earlier represented to the RBI seeking removal of the diversified shareholding norms in its draft guidelines for payment banks.

Besides the restriction on size and focus on small customers, what differentiates these niche banks are the low-entry barriers. Not only are they open to a wider set of aspirants, the required capital of Rs 100 crore is one-fifth of what is required for full-service universal banks. While this is an opportunity for investors, it is unlikely that they will find the next HDFC Bank or Axis Bank, which after their launch in the late '90s have achieved Rs 1 lakh-crore market capitalization. The norms make it clear that the focus will be on achieving financial inclusion by catering to the unbanked. RBI governor Raghuram Rajan has also made it clear that there is no room for super profits by warning investors that they should not look for a fortune at the bottom of the pyramid.

According to Rishi Gupta, COO & ED, FINO PayTech, the new guidelines are more favorable than the draft version. The latest norms clarify that a payments bank can distribute third-party products, send and receive remittances from multiple banks and international remittance companies and also function as business correspondents of another bank.

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RBI eases norms for niche banks

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CONSIDERING the grandness and intricacies involved in building a neo-gothic construction using the limited funds and technologies of the early 1900s, a turnaround of about 19 months from ashes to commanding structure must seem quite incredible to The Block-watching public of today.

The determination demonstrated by St Mary's Grafton Parish to get its "house" back up and running so soon after it was destroyed by fire on April 29, 1913, is testament to the importance the community placed on having a fitting venue to congregate and worship the Lord.

Opened by Bishop O'Connor, of Armidale on Sunday, November 29, 1914, in the presence of church hierarchy from as far afield as Melbourne, the "new" St Mary's Church will celebrate its 100th birthday this weekend with a special mass to be conducted by Bishop of Lismore Geoffrey Jarrett on Sunday at 9.30am.

And as the church continues to cut a towering figure over Victoria Street a century later, the state in which its 1867 predecessor was found back in 1913 on the same site seems foreign to those that pass by the St Mary's we know today.

As reported in the Examiner at the time, the blaze that destroyed the original church occurred in the early hours of the morning offering no opportunity for intervention between the first couple of witnesses sounding the alarm and its total destruction.

"The church bell was rung at once. A number of citizens were speedily on the scene, but their assistance was of no avail to save the edifice from destruction as the fire had complete mastery. A table and two chairs were all that could be got out, and the organ, vestments, altar appointments and pew were totally consumed," the report said.

After describing how the fire took hold, the article went on to say "The generally accepted theory as to the origin of the fire is that the altar lamp, which continually kept burning, must have fallen from its suspended position by the small chain becoming worn from long usage. The oil and wafers becoming scattered over the floor, would cause ignition, and account for what occurred."

Whatever its fate, this was a "serious loss to the Roman Catholic community" and apart from the destruction of the building there were also costly uninsured contents to replace.

Insurance would pay 500 pounds which only covered a small portion of the loss and in the meantime services were held in the school room while initial work began on planning a replacement. (All while Grafton was without a Catholic Church it still managed to conduct 41 baptisms, 21 weddings and some 12 burials).

Given the amount of correspondence that flowed between the clergy and the appeals that needed to be orchestrated in the Clarence and around the region to have the church resurrected, again the timeframe seems spectacularly short in these days of red tape and budget blowouts. But the people of the area were generous and felt the Grafton community's loss and within weeks the mighty cogs of the church community began to turn and turn.

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Revived church hits a century

A Cape Cod church plans a groundbreaking ceremony this weekend exactly two years to the day after an arsonist burned it to the ground.

The ceremony at the site of the Cape Cod Bible Alliance Church in Brewster is scheduled for noon on Sunday.

Pastor Myron Heckman tells the Cape Cod Times the new building will be bigger and more fire-resistant. The first phase of the project will include construction an 18,000-square-foot sanctuary, office space, classrooms, kitchen and a lobby area.

Construction should take about 18 months.

Much of the work will be done by volunteers from the congregation, many of whom have construction experience.

A 30-year-old local man was sentenced for setting fire to the church in 2012. His family said he suffered from mental illness.

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Cape Cod church burned to ground rising from ashes

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