The draft aims to resolve delays between receipt of payments at beneficiary banks and credit to beneficiary accounts. Banks are encouraged to establish straight-through processes for automatically crediting inward payments to residents’ accounts, based on risk assessment and regulatory compliance. The proposed guidelines require banks to immediately inform customers upon receiving cross-border inward payment messages. Further, inward payments received during foreign exchange market hours should be credited within the same business day, while those received afterward should be credited on the next business day, subject to FEMA and other regulations.