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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 |
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Pension Payments |
- Pensioners of
Central and State Governments can open a separate pension
account in any of the Bank's branches.
- Pensioners are
requested to produce life certificate once in a year (i.e.
in the month of November) to enable the branches to pay
pension without interruption/delay.
- The pension will
be credited by the branch to the pensioner's savings or
current account during the last four working days of the
month. The pension for the month of March will be credited
on or after 1st working day of April. The pension will not
be paid in cash or through a joint account. Every pensioner
is required to submit life/marriage/ remarriage/unemployment
certificates periodically.
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Remittance Service
Customers may remit funds from one centre to another centre by
Demand Draft or Telegraphic Transfer (TT), etc., by paying
specified charges as per the Bank's rules.
The customers can
utilise the facility of Electronic Funds Transfer (EFT) System
operated through RBI for transferring funds upto Rs.2 crores to
and from at the specified centers.
Demand drafts and
telegraphic transfers for Rs.50,000/= and above will be issued
by the Bank only by debit to the customer's account or against
cheques or other instruments tendered by the purchaser and not
against cash payment and on production of PAN/Declaration on
Form No.60/61 as the case may be. Similarly, such payments for
Rs.50, 000 and above will be made through banking channels and
not in cash. |
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Issue Of Duplicate Demand Draft
Without Receipt Of Non-Payment Advice
As directed by the RBI, the Bank will issue duplicate demand
draft upto Rs.5,000/- on the basis of adequate indemnity and
without obtaining Non-Payment Advice from the drawee branch.
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Time Frame For Issue Of Duplicate
Draft
As directed by the RBI, the bank will issue duplicate demand
draft to the customer within a fortnight from the receipt of
request. For delay in issuing duplicate draft beyond the above
stipulated period, the Bank will pay interest at the rate
applicable for term deposit of corresponding maturity in order
to compensate the customer for such delay. |
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Govt. Business And Rbi Bonds
While the customers/public open PPF/Pension accounts or invest
in Relief/RBI Bonds or remit CBEC/CBDT funds at the branches,
they will be advised about operational guidelines for such
accounts/transactions.
In case customers
wish to convey suggestions/complaints with reference to the
Bank's services in the Govt. business related areas, they can
contact the help cells in all the Zonal Offices. |
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Banker's Cheque (Pay Order)
Banker's Cheques are issued for making payments locally.
Issuance/payment of Banker's Cheque for Rs.50,000/- and above is
to be made only through the bank account.
Validity period of Banker's Cheque
is 6 months. This can be revalidated by the issuing branch on
written request of the purchaser. |
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Collection Service
Immediate credit of local as well as outstation cheques upto
Rs.15,000/- (as per RBI guidelines from time to time) is
provided to the individuals (personal customers)who are
maintaining satisfactorily conducted accounts. However, the
customers will have to bear usual service charges as well as the
postal charges. In the event of cheques being returned unpaid,
the customer will have to pay interest for the period for which
funds are utilised.
All cheques
(local and outstation) deposited by the customers are cleared by
the bank as follows: |
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High Value Clering :
This facility is available for the clients of select branches at
designated centres. Cheques of high value (of not less than Rs.1
Lac per instrument) are cleared on the same day. |
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Local Clearing :
Cheques are cleared normally on the third working day, depending
on the centre subject to depositing of the cheques/instruments
in time. |
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National Clearing
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Cheques drawn on Metropolitan centers listed in national
clearing are cleared in 7 days. All cheques drawn on other
centers are cleared in 10 days.
The Bank will
credit the proceeds of an outstation cheque within the following
time norms.
- State Capital
other than North Eastern States & Sikkim - 10 working days
- Other centers -
14 working days
If the Bank fails
to do so, interest will be paid at the rate applicable for
appropriate tenure of term deposit for the period of delay
beyond the stipulated days mentioned above. Further, if the
delay is more than 90 days then penal interest at the rate of 2%
above term deposit rate applicable will also be paid. Customers
are requested to deposit their cheques with the stipulated
timeframe at the branches. |
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