Withdrawal of legal tender: exchange and deposit of specified old banknotes restricted with KYC based deposit and withdrawal limits.
Withdrawal of legal tender status for existing Rs. 500 and Rs. 1000 notes (Specified Bank Notes) prohibits their use for transactions; equivalent value may be exchanged or credited via RBI offices, authorised bank branches or post offices subject to KYC, deposit/withdrawal ceilings, reporting obligations and limits on non KYC accounts. Over the counter cash exchange was curtailed, ATMs were recalibrated with interim dispensing limits, and special operational measures were provided for farmers, PMJDY accounts, wedding withdrawals, digital payment facilitation, and Small Savings deposit restrictions.

Digital payment incentive schemes award consumers and merchants for eligible small electronic transactions to boost cashless adoption.
NITI Aayog launched two incentive schemes-Lucky Grahak Yojana (consumers) and Digi- Vyapar Yojana (merchants)-to promote digital payments by awarding periodic and mega prizes for eligible electronic transactions using UPI, USSD, AEPS and RuPay cards. Eligible transactions are limited to Rs. 50-3,000 and include consumer to merchant, consumer to government and AEPS transactions; private credit cards and digital wallets are excluded. Winners are chosen by random draws of transaction IDs via audited software, and the initiative targets financial inclusion for low technology and rural users.

Ease of Doing Business reforms accelerate investment attraction and structural economic reforms to boost manufacturing and infrastructure.
The address sets out a reform agenda to bolster ease of doing business through digitisation, licensing rationalisation, single window interfaces, investor facilitation and Centre-State collaboration; it highlights the constitutional GST amendment, FDI liberalisation and Make in India-driven manufacturing expansion. Institutional reforms include the Insolvency and Bankruptcy Code, new commercial courts and arbitration amendments to speed dispute resolution, supported by a National IPR policy, Startup and Skill India initiatives, and infrastructure financing via the National Investment and Infrastructure Fund to attract investment and upgrade logistics.

Money laundering scrutiny: intelligence led bank record enquiries target suspect deposit patterns after demonetisation.
Enforcement authorities launched an intelligence led enquiry of records at over fifty bank branches to detect potential money laundering and hawala operations by scrutinising post-demonetisation transaction records and account statements, using Suspicious Transaction Reports and Cash Transaction Reports and conducting audits while seeking to avoid disruption of normal banking services.

Withdrawal of legal tender prompts exchange/deposit procedures, cash withdrawal limits, and specific essential service exceptions.
Withdrawal of legal tender status for specified banknotes (Rs. 500 and Rs. 1000) removes their transactional acceptability and provides that SBNs may be deposited at banks, RBI offices and post offices or exchanged at designated RBI offices; over the counter exchange is discontinued, deposits into loan/deposit accounts are allowed subject to reporting and identification requirements, and a regime of cash withdrawal limits, special exemptions for essential and agricultural services, temporary wedding withdrawals subject to KYC and evidentiary conditions, and enhanced digital payment and PPI measures has been implemented.