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of <h1>Banks Can Price Deposits Within Ceiling Per RBI Guidelines; Swap Benefits to Depositors at Banks' Discretion</h1> Banks have the discretion to price deposits within the overall ceiling according to existing guidelines set by the Reserve Bank of India, as per the circular dated August 14, 2013. This pertains to the swap window for attracting FCNR (B) Dollar funds. The decision to pass on the benefit arising from the swap to the depositor is at the banks' discretion, following these guidelines.
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