Acceptance of deposits from NRIs and PIOs subject to repatriation, usage limits and prescribed repayment channels. Acceptance of deposits from NRIs or PIOs on repatriation basis is permitted if received under a public deposit scheme by inward remittance or debit to NRE/FCNR(B) accounts through authorised banking channels; NBFCs must be RBI registered with requisite credit rating and interest rates must conform to Reserve Bank guidelines or Companies Rules ceiling. Deposits are subject to a limited maturity period and an aggregate cap relative to net owned funds, prohibited uses for re lending, agriculture, plantation or real estate, and prescribed repayment and remittance mechanisms via authorised dealers or credit to designated accounts.