OZG Karnataka

23/12/2025

FAQ on CNAP: The Caller ID Revolution in India

📌 What is CNAP?

( ) displays the verified name of the caller on the recipient's phone screen during incoming calls. It uses telecom operators' KYC databases for accuracy, unlike app-based solutions.

📌 When does CNAP rollout start in India?

The nationwide rollout begins in March 2026, following TRAI's approval in October 2025 and pilots by Jio, Airtel, Vi, and BSNL. Initial focus is on 4G/5G networks.

📌 Who regulates CNAP in India?

The (DoT) and Telecom Regulatory Authority of India (TRAI) oversee CNAP implementation. They mandate telcos to maintain secure CNAM databases.

📌 How does CNAP differ from ?

CNAP pulls names directly from operator-verified KYC records, ensuring higher accuracy without relying on crowdsourced data. It operates network-wide, independent of third-party apps.

📌 Is CNAP enabled by default?

Yes, CNAP activates by default for recipients, with an opt-out option via telecom providers. This aligns with DoT's preference over TRAI's initial opt-in model.

📌 How to opt out of CNAP?

Contact your telecom provider (Jio, Airtel, Vi, BSNL) to disable it, similar to deactivating voicemail.

📌 What networks support CNAP initially?

Phase one covers 4G and 5G; legacy 2G/3G follows after feasibility studies. New devices post-cutoff must be CNAP-compatible via coordination.

📌 How is caller name verified?

Names come from Customer Application Form (CAF) data and government KYC documents held by telcos. Real-time queries fetch during call setup.

📌 What about business or calls?

Businesses use verified trademarks/trade names; telemarketers get explicit identification. Bulk connections follow government verification.

📌 Does CNAP work across networks?

Yes, interoperability tests ensure names display correctly from any network. Pilots in northern circles confirm this.

📌 What are CNAP privacy protections?

Data stays with operators; no central database. Opt-out (and CLIR in specific cases) safeguard user control under Act standards.

📌 Will CNAP reduce spam calls?

Yes, verified IDs curb fraud like digital arrests and phishing by blocking impersonation. It's projected to transform trust in calls.

📌 Do feature phones support CNAP?

Compatible models will; rollout prioritizes smartphones first. Manufacturers update within six months of launch.

📌 What if KYC name mismatches?

Telcos must update databases regularly per licence conditions. Inaccurate displays prompt complaints to DoT/TRAI.

📌 Is CNAP free for users?

Default service with no extra user charges; telcos handle costs under regulatory mandates.

📌 How does CNAP link to RBI compliance?

For fintechs, CNAP aids KYC verification in calls, aligning with RBI's customer onboarding norms and fraud prevention.

📌 What is the CNAP technical model?

Each telco maintains a CNAM database; recipient's network queries caller's operator in real-time during setup. ITU-T/ETSI standards apply.

📌 Timeline for full India coverage?

Pan-India by March 2026 across circles; device mandates follow notification.

📌 Impact on family/shared numbers?

Displays registered KYC name; telcos address attribution concerns via guidelines.

📌 Role of MeitY in CNAP?

Coordinates device compatibility; amends licences for new sales post-cutoff.

📌 CNAP for international calls?

Domestic focus initially; roaming/inter-circle tested in pilots.

📌 How to report CNAP issues?

Via telco apps/portals or TRAI's DND portal; DoT monitors rollout.

📌 Does CNAP store call data?

No, only name lookup during call; privacy-focused per TRAI.

📌 Pilot status as of Dec 2025?

Jio, Airtel, Vi, BSNL testing in circles; live trials soon before March 2026.

📌 Legal basis for CNAP?

recommendations (2024), DoT directives (2025), telecom licences.

📌 Fintech benefits from CNAP?

Reduces fraud calls; supports RBI's CKYC and audit trails for secure onboarding.

📌 Update phone for CNAP?

4G/5G devices auto-support; software updates for others.

📌 CNAP data security standards?

Operator-secured databases; no third-party access, per TRAI/DoT.

📌 Bulk caller CNAP rules?

Verified trade names mandatory; government approval needed.

📌 CNAP on VoIP apps?

Focus on traditional calls; VoIP under study.

📌 User complaints process?

Escalate to TRAI/DoT if telcos fail; aids resolution.

📌 Economic impact of CNAP?

Boosts business trust, cuts spam losses; enhances telecom assets.

📌 CNAP global comparison?

Largest network-integrated system; inspired by CNAM standards.

📌 Device manufacturers' role?

Mandatory support post-notification; six-month compliance.

📌 CNAP for enterprise lines?

Trade names displayed; verified per DoT.

📌 Integration with ?

Ensures data minimization; OZG Digital specializes in compliance.

📌 CNAP accuracy rate?
High via KYC; updates mandated for 99% reliability.

📌 Link to cybercrime fight?

Directly targets fraud; supports MHA initiatives.

📌 Future CNAP expansions?

Possible to legacy nets, international; TRAI studies ongoing.

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07/04/2022

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04/02/2022

The Procedure for Verification of ED Summons - Ozg Lawyers

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📩 A) The following steps are required to be followed for verification of the authenticity of the system generated summons which bear a QR code and unique Passcode after 24 hours of receipt of the same (excluding public holidays, saturdays and sundays):

📌 Step: 1 - Scan the QR code printed on the summons which will redirect the user to the ED’s website page.

📌 Step: 2 - Enter the unique Passcode printed on the summons in the given field on the web page opened after scanning the QR code.

📌 Step: 3 - If the details entered are correct, the contents of the summons (e.g. Name of the party summoned, name and designation of the officer, date of summons) will be shown on the screen for verification of authenticity of summons.

📩 B) For verification of summons which could not be generated through system (in certain exceptional circumstances) or for any other query on verification of summons, the following designated point of contact may be contacted over telephone or email:

Directorate of Enforcement,
Jamnagar House, 10A, Akbar Road,
New Delhi - 110001

Email: [email protected]

☎ 011-20819070

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22/01/2022

Registration of Factors (Reserve Bank) Regulations, 2022

In exercise of the powers conferred by section 3 read with Section 31A of the Factoring Regulation Act, 2011, the Reserve Bank of India, makes the following regulations pertaining to the manner of granting Certificate of Registration to companies which propose to do factoring business.

📌 1. Short title and commencement

(1) These regulations may be called the Registration of Factors (Reserve Bank) Regulations, 2022.

(2) These regulations shall come into force on the date of their publication in the Official Gazette.

📌 2. Definitions

For the purpose of these regulations, unless the context otherwise requires:

(1) “Act” means the Factoring Regulation Act, 2011;

(2) “Reserve Bank” means the Reserve Bank of India constituted under Section 3 of the Reserve Bank of India Act, 1934;

(3) “Company” means a company as defined in clause (20) of section 3 of Companies Act, 2013;

(4) “Non-Banking Financial Company – Factor (NBFC-Factor)” means a non - banking financial company as defined in clause (f) of section 45-I of the Reserve Bank of India Act, 1934, which has its principal business as per Regulation 4 of these regulations and has been granted a Certificate of Registration (CoR) under section 3 of the Act;

(5) “Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC)” means any company which is a financial institution carrying on as its principal business – asset finance, the providing of finance whether by making loans or advances or otherwise for any activity other than its own and the acquisition of securities, and granted a CoR under of the Reserve Bank of India Act, 1934; and is not any other category of as defined by the Reserve Bank in any of its Master Directions.

📌 3. Net Owned Fund (NOF)

Every company seeking registration as NBFC-Factor shall have a minimum Net Owned Fund (NOF) of ₹5 crore, or as specified by the Reserve Bank from time to time.

📌 4. Principal Business Criteria (PBC)

An NBFC-Factor shall ensure that its financial assets in the factoring business constitute at least fifty per cent of its total assets and its income derived from factoring business is not less than fifty per cent of its gross income.

📌 5. Registration and matters incidental thereto

(1) Every company intending to undertake business shall make an application to the Reserve Bank for grant of certificate of registration (CoR) as NBFC-Factor under the Act and shall ensure compliance with PBC as stipulated in regulation 4 of these regulations.

(2) Any existing NBFC-ICC, intending to undertake factoring business, shall make an application to the Reserve Bank for grant of CoR under the Act if it satisfies the following eligibility criteria:

(a) not accepting or holding public deposits;

(b) total assets of ₹1,000 crore and above, as per the last audited balance sheet;

(c) meeting the NOF requirement as prescribed in regulation 3 of these regulations;

(d) regulatory compliance.

(3) Any existing NBFC-ICC, which does not satisfy the above conditions but intends to undertake factoring business, shall approach the Reserve Bank for conversion from NBFC-ICC to NBFC-Factor. Such NBFC-ICCs shall comply with the PBC as specified in regulation 4 of these regulations.

(4) Application for such conversion shall be submitted with all supporting documents meant for new registration as NBFC-Factor, together with surrender of original CoR issued by the Reserve Bank to the NBFC-ICC under Section 45IA of the Reserve Bank of India Act, 1934.

(5) An entity not registered with the Reserve Bank under the Act, may conduct the business of factoring, if it is an entity mentioned in Section 5 of the , 2011 i.e. a bank or a body corporate established under an Act of Parliament or State Legislature, or a Government Company.

(6) NBFC-Factor or eligible NBFC-ICC which has been granted CoR by the Reserve Bank under these regulations, shall commence factoring business within six months from the date of grant of CoR.

📌 6. Conduct of business and prudential regulations

NBFC-Factors or eligible NBFC-ICCs have been granted CoR under the Act shall conduct the factoring business in accordance with the Act and rules and regulations framed under the Act or the directions and guidelines issued by the Reserve Bank from time to time.

Notification No. DOR.FIN.080/CGM(JPS) – 2022

To learn more about , go to:

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January 14, 2022

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06/01/2022

( ) does not required permission from RBI to buy a property in India. However, NRI can buy residential or commercial properties. The agricultural plots, farmhouses or plantations are restricted for NRIs.

There are following documents required -

📌 Passport and/or OCI card: You will need an Indian passport or if you hold a foreign passport, you can buy property in India, provided you have an OCI (Overseas Citizen of India) card. Learn more at https://ocicard.ozg.in and simply WhatsApp to 📲 WA.me/918779696580 for any questions.

📌 PAN Card: This is mandatory for property transactions. Applying for PAN is a very simple and easy. You can simply visit NSDL website for PAN.

📌 Current Address Proof: Latest Bank Statement Or Utility Bill.

📌 Power of attorney (PoA): You need to also provide a power of attorney, in case you are not available in India for executing the deal. Please note that you will need a power of attorney which is registered and notarized and not a general power of attorney to execute a property transaction.

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📌 How can you execute a ?

A power of attorney authorizes another person residing in India to complete transactions on your behalf. The POA will need to be signed by you in the presence of a consulate officer or notary in your country of residence. It will also have to be attested by them.

📌 How can you do your transaction for purchase of property in India?

You can make transaction for your property purchases through inward remittances as per FEMA guidelines by RBI.

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Before going for a property deal, for a hassle-free ownership experience, make sure you check and verify all essential papers. You may consider taking services of Ozg Documentation Centre at competitive fee. Email: [email protected]

📌 (in the seller’s name). Some states have specific paperwork that you need to be aware of.

📌 .

📌 Building permit.

📌 (in case it is a ready building).

📌 Older title deeds, if any.

📌 Updated .

📌 Share certificate (in case it is a cooperative housing society).

📌 NOC from the society.

📌 (if applicable).

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