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Citizens Charter |
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Fair Banking
Products |
Common Areas of Customer-Banker Relationship
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Current Account
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Savings Bank Account
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Term Deposit Accounts
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Payment Of Balance In Accounts
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Safe Deposit Lockers
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Articles In Safe Custody
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Nomination
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Pension Payments
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Remittance Service
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Issue Of Duplicate Demand Draft
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Time Frame For Issue Of Duplicate Draft
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Govt. Business And Rbi Bonds
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Banker's Cheque (Pay Order)
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Collection Service
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High Value Clering
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Local Clearing
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National Clearing
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Collection Of Govt. Dues
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Mutilated Currency Notes
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Interest on Deposits
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Service Charges
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Time-Norms For Various Banking Transactions
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Foreign Exchange Transactions
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NRI Services
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Other Services
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Redressal Of Complaints |
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Common Practices |
- Display business
hours.
- Render courteous
services.
- Attend to all
customers present in the banking hall at the close of
business hours.
- Provide
'Enquiry' or 'May I help You' counter at large branches.
- Offer nomination
facility to all deposit accounts (i.e. account opened in
individual capacity), safe custody article depositors and
all safe deposit locker hirers (i.e. individual hirers).
- Display interest
rates for various deposit schemes from time to time.
- Notify change in
interest rates on advances/deposits.
- Provide details
of various deposit schemes/services of the Bank.
- Issue Demand
Drafts, Pay Orders, etc.
- Display Time
Norms for various banking transactions.
- Pay interest for
delayed credit of outstation cheques, as advised by Reserve
Bank of India from time to time.
- Accord immediate
credit in respect of outstation and local cheques upto a
specified limit subject to certain conditions, as advised by
RBI from time to time.
- Provide
complaint/suggestion box in the branch premises.
- Display address
and telephone nos. of Regional/Zonal and Central Offices as
well as Nodal Officer dealing with customer
grievances/complaints.
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Fair Banking Products |
- Customers are
requested to
- Ensure safe
custody of cheque book and pass book.
- Preferably use
reverse carbon while writing a cheque.
- Issue
crossed/account payee cheques as far as possible.
- Check the
details of the cheque, namely, date, amount in words and
figures, crossing, etc., before issuing it. As far as
possible, issue cheques after rounding off the amount to
nearest rupee.
- Not to issue
cheque without adequate balance; maintain minimum balance as
specified by the Bank.
- Send cheques and
other financial instruments by Registered Post or by
courier.
- Bring pass book
while withdrawing cash from savings bank account through
withdrawal slip. Get pass book updated from time to time.
- Use nomination
facility.
- Note down
account numbers, details of TDR, locker numbers, etc.,
separately.
- Inform change of
address, telephone number, etc., to the Branch.
- Inform loss of
demand draft, term deposit receipt, cheque leave(s)/book,
key of locker, etc., immediately to the Branch.
- Avail 'standing
instructions' facility for repeat transactions.
- Provide feedback
on our services.
- Pay interest,
instalments, locker rent and other dues on time.
- Avail services
such as ATM, ECS, EFT, etc., is offered by the branch.
- Not to sign
blank cheque/s. So also do not record your specimen
signature either on pass book or on cheque book.
- Not to introduce
any person who is not personally known to you for the
purpose of opening account by him.
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