Citizen Charter

To emerge as a Prime National Bank backed by modern technology, meeting customers’ aspirations with professional banking services and sound growth contributing to national growth.
Disclaimer :
It is not a legal document creating rights and obligations. The Citizen's Charter does not by itself create new legal rights, but it surely helps in enforcing existing rights.
This Charter applies to all products and serviceslisted below whether provided by branches, subsidiaries and agents acting on behalf of the banks, across the counter, by post, through interactive electronic devices and through technology (alternate delivery channels).
KYC Compliance
In order to comply with regulatory/ statutory requirements, while opening the account we will adhere to the Know Your Customer (KYC) Norms, Anti Money Laundering (AML) guidelines and Procedures for Combating of Financing of Terrorism (CFT) to satisfy ourselves about the identity, including verification of address of a person/s, seeking to open an account, to assist in protecting the prospective customer/s, members of the public and ourselves against fraud and other misuses of the banking system. We will also satisfy ourselves about the sources of income of the existing/ prospective customer. Customers shall also provide the desired documents/proofs as per the requirements of the bank for updation and verification once at the time of opening the account also as and when called by the Bank for periodical updation of the data depending on the Risk category of the customer.
Products :
a)    All deposit accounts e.g. saving accounts, current accounts, term deposits, recurring deposits, NRE, FCNR, NRO.
b)    Offer nomination facility to all deposit accounts (i.e. account opened in   individual/ proprietorship    capacity) and all safe deposit locker hirers (i.e. individual hirers).
c)    Fund based (Retail Loans, Demand Loan, Term Loan, Cash credit, overdrafts)   and Non fund based (Letter of Credit/ bank guarantee).
d)    Foreign exchange products including remittances & money changing.
e)    Third party products and investment products.
f)     Demat accounts and Applications Supported by Blocked Amount (ASBA) facility.
g)    Card products including Credit Card, Debit Card, Smart Cards.
Services :
a)    Remittance facility to the customers by transfer through RTGS/NEFT/Issuance of Demand Drafts, etc.
b)    Payment services with regard to pension.
c)    Collection of cheques,
d)    Safe custody services, safe deposit locker facility
e)    Banking services related to Government transactions.
f)     Indian currency notes exchange facility.
g)    Settlement of claim cases in deceased accounts.
h)    Internet Banking Services
i)      Mobile Banking Services    
(i) To act fairly and reasonably in all dealings with the customers in matters of
a)       Providing minimum banking facility of receipt and payment of cash/ cheques at the banks’ counters. Basic banking services are   provided in the no-frill accounts. 
b)       Meet the commitments and standards in the Charter for the products and services offered and in the procedure and practices followed.
c)       Ensuring that products and services meet relevant laws and regulations in letter and spirit.
d)       Ensuring   dealings   with the customers rest on ethical principles of integrity and transparency.
e)       Operating a secure and reliable banking and payment system.  
f)        To deal quickly and sympathetically with customer grievances arising due to errors, delays in handling of customer related issues or on account of problems arising due to technological failure.
(ii) To display on bank’s website
a)       Public Awareness On The Scheme –Reserve Bank of India (RBI) and Banking Ombudsman (BO) offices are trying to educate the public about the Banking Ombudsman Scheme through awareness campaigns, outreach programmes, publicity through print media, All India Radio and Doordarshan. However, these efforts need to be complemented by the banking industry.
b)       The policies should clearly lay out approach to Customer Care taking into account the geographic spread of branches, segments of customers, needs of special sections like senior citizens, widows, physically challenged persons etc. This policy will also clearly define and distinguish the features for different products and services and will indicate the target customer group.
c)       The Bank’s approach to Financial Education aspects is documented through a policy framework.
a)       Customer Centricity – The bank’s approach to develop ‘Client First Attitude’ by its employees is documented and the same may include aspects such as positive attitudinal change, behavior and practices, the skill gaps of employees, the process of re-engineering the recruitment of staff for the purpose etc. Bank Board will evolve Human Resources policies which will recruit for attitude and train for skills.
b)       The bank’s policy framed to ensure the prescribed response time for every type of grievance will be approved by the Top Management of the bank.
c)       Bank will codify periodically all its policies/operational guidelines as that would help the front-line staff to serve the customers. 
d)       The internal inspection / audit reports of banks will adequately focus on customer service and the Audit Rating will appropriately reflect the importance of customer service.
e)       A comprehensive policy for Customer Acceptance, Customer Care and Customer Severance.
f)        Deposit Policy.
g)       Cheque Collection Policy.
h)       Grievance Redressal Policy.
i)         Compensation Policy.
j)         Collection of Dues and Security Repossession Policy
k)       Pricing Policy
l)         Senior Citizen Policy
(iii) To maintain privacy and confidentiality of the customers’ personal   information   except in the following cases. However, the bank may utilize the information for cross-selling   of own products/services. 
a)       Where disclosure is under compulsion of law.
b)       Where there is duty to the public to disclose.
c)       Where interest of the bank requires disclosure
          Where the disclosure is made with the express or implied consent of the customer. 
(iv) To publicize the Charter:  
a)       Provide the customer a copy of the Charter on request.
b)       Make available this Charter on Bank’s website.
c)       Ensure training to the staff to put the Charter into practice.
To provide services to the customers as per standards laid down in the Code of Bank’s Commitments to customers of BCSBI.  
a)       Suggestions/Feed backs are welcome.
b)       Display business hours.
c)       Render courteous services.
d)       Attend to all customers present in the banking hall at the close of business hours.
e)       Provide separate 'Enquiry' or 'May I help you' counter at large branches.
f)          Display interest rates for various deposit schemes from time to time.
g)       Keeping customers informed about changes / modification in interest rates,   charges, terms & conditions through bank’s website.   
h)       Provide details of various deposit schemes/services of the Bank in the bank’s website.
i)         Display Time-Norms for various banking transactions.
j)         Pay interest for delayed credit of outstation cheques, as advised by RBI from time to time
k)       Provide immediate credit in respect of outstation and local cheques up to a specified limit subject to certain conditions, as advised by RBI from time to time.
l)         Provide complaint register/ form and /suggestion box in the branch premises
m)     Display address of administrative offices as well as Nodal Officer/Chief Hosts dealing with customer grievances/complaints.
n)       There will be specific and proper queue management system at branches where there is heavy crowd, with basic facilities of seating arrangements, drinking water etc
o)       Bank will reconcile certain issues regarding ‘one-man’ branches by putting in place proper safeguards which ensure ‘four eyes’ principle, safety of cash and also continuity of services in case of leave, etc.
p)       For account opening, the Know Your Customer (KYC) regulatory guidelines require us to seek documents for (i) proof of identity and (ii) proof of address. The documents required for account opening are given in section 5.
q)       Open V-Basic Savings Bank accounts and V-Basic Savings Bank - Small accounts under Financial Inclusion with prescribed minimum balance except in accounts where specifically exempted.
r)        Open a Savings Bank account in the name of individuals, singly or jointly, minors of the age of 10 years and above or under natural/legal guardianship or by an illiterate/blind person.
s)       The name of the payee as well as instrument number in case of debit entries and the name of payee bank/drawer of instrument as well as instrument number in case of credit entries will be provided by the bank in the Passbooks/Statement of Accounts.
t)        Transfer the account from one branch to another branch, free of charge.
u)       Account Number Portability: Customer will also be allowed to maintain the same account number in a bank even when he /she moves to another city or shifts his account to another branch in the same city. Request letter for transfer of account with account number portability can be submitted either at transferor or transferee branch.
v)       Provide facility of standing instruction for regular payments like insurance premium, rent, tax etc. 
w)     Allow premature withdrawals, unless specified otherwise, at the rate of interest applicable for the period for which the deposit has run or the contracted rate whichever is lower, subject to penalty, if any, prescribed by the bank. No interest will be paid on premature withdrawals of deposit which has remained with the bank for less than prescribed minimum number of days for issuance of FDR.
x)       Allow premature withdrawal of fixed deposits in the name of Deceased Depositor(s) to the Survivors/nominee specified by the depositor(s) at the time of issuance of such fixed deposit. On overdue fixed deposit bank may pay interest as per the method of calculation prescribed from time to time.
y)       Allow generally loans/overdrafts against deposits except on Certificates of Deposit (CD) Tax Saver Scheme/ Capital Gains Scheme. Such loans are sanctioned by charging interest at rates directed by RBI from time to time or as prescribed by the Bank.
z)       As a measure of good customer service, the Bank may intimate the depositor in advance regarding the date of maturity. Banks may also provide auto renewal facility at the request of the customer.    
      Renewal Notices for Term Deposits - The term deposit renewal notices will be sent to customers preferably in electronic form to enable them to decide the renewal terms, Statement of all deposit accounts in summary form giving details like principal amount, maturity value, maturity dates, rate of interest, annualized interest yield etc. shall be provided by banks.
      Further, the bank will not auto-renew the deposit accounts without customer consent in writing.
aa)   Pay interest on deposits either monthly at discounted value or quarterly or half-yearly (quarterly compounded i.e., reinvestment of interest) or on the date of maturity at the option of the depositor as applicable under particular deposit scheme. Maturity proceeds of Rs.20,000/- and above will be paid by account payee cheque or credit to account. Cash payment of FDR/TDR will not be made if amount of Principal+ Interest is Rs.20,000/- and more.
bb)   Provide TDS statement explicitly mentioning details of gross interest credited and TDS debited.
cc)   Pay interest on overdue deposit if the deposit is renewed, as decided by the Bank from time to time.
dd)   Issue duplicate FDR in the event the original FDR is lost, subject to Depositor(s) completing required formalities prescribed by the Bank from time to time.
ee)   Provide linkage of Terms and Conditions of various Products like PPF or any future products introduced for specific segments, say senior citizens, which are provided on an agency basis by bank properly integrated into the CBS.
(A) Pensioners and Other Senior Citizens –
There will be prioritized service to senior citizens, physically handicapped persons by effective crowd / people management available at all branches.
Provide automatic updation of age records and then conferring senior citizen benefits wherever applicable once a customer becomes a senior citizen.
The needs of the senior citizens and the physically challenged persons will also be an important input for Bank in deciding on the branch locale and its access.
B) Customers in Rural and Semi urban Areas –
Bank will ensure proper currency exchange facilities and also the quality of notes in circulation in rural areas. It will be ensured that the branches are opened as per the schedule times and operating them for the full hours.
(C) Self Help Groups (SHGs) –
a)       SHG members will not be forced to take insurance products.
b)       Bank will provide loans to SHGs in trenches. However, the same will take into account the business requirements of the SHG rather than depending solely on the repayment made by the SHGs.
(D) Tribal Areas / North-East –
a)       The business correspondent / facilitator model will be used for improving the banking facilities in the tribal areas. Prominent citizens belonging to important Tribes of the region could also be considered for appointment as Business Correspondent (BC).
b)       Bank will ensure that at least one of the staff members in the branches in tribal areas is conversant with local language.
c)       Financial education material in pictorial form and audio presentations in local dialect will be used in Tribal areas.
d)       To achieve the banking/financial inclusion it will be endeavour of the Bank to implement the guidelines provided by the RBI and Government to transfer and posting the staff to the region. Further, the staff so selected and posted will also focus on local talent building and development.
e)        Bank will facilitate opening the accounts for the SHGs in the region in furthering the cause of financial inclusion in the region.
f)       Bank will take further steps for improvement in provision of RTGS / NEFT facility to the customers from the region
(E). Providing banking facilities to Visually Impaired Persons –
a)       In order to facilitate access to banking facilities by visually challenged persons, bank will offer banking facilities including cheque book facility / operation of ATM/ locker etc., to the visually challenged who are capable of using those facilities.
b)       Legal Guardianship Certificate issued under the National Trust Act, 1999 empowers the disabled persons with autism, cerebral palsy, mental retardation and multiple disabilities to have accounts.
c)       Bank will rely upon the Guardianship Certificate issued either by the District Court under Mental Health Act or by the Local Level Committees under the above Act for the purposes of opening / operating bank accounts.
d)       Essential details about the facilities are enumerated in the Enactment (Mental Disabilities Act)
(vi) Payment of Balance in Accounts of the Deceased Customers to Survivors/ Claimants
The bank follows a simplified procedure for settlement of death claims without insisting on production of succession certificate. However, the bank may adopt such safeguards in considering settlement of claims as appropriate including accepting an indemnity bond. The bank will adopt a simplified procedure for settlement of claims of the deceased customers relating to deposits, contents of Lockers and articles kept in safe custody with the bank. The bank is continuously communicating to its customers for making nomination in the accounts in terms of provisions of the Banking Regulation Act.
The simplified procedure are as under:
(a) Settlement of Claim Cases on the basis of Nomination
       Where the customer has made a nomination in the deposit account/Locker/ articles kept in safe custody, on death of such customer, the nominee is required to make a request on prescribed form to the concerned branch along with death certificate or other proof of death.
       The nominee is required to establish his/her identity. The bank will make the payment to the nominee unless on or before the time of payment any order of court is received prohibiting the bank from making such payment. The nominee will receive the money/contents of locker as a trustee of the legal heirs of the deceased.
 (b) Settlement of Claim Cases in Joint Accounts with Survivorship Clause
       In a Joint Account, if the Account Opening Form provides for payment of the balance to the survivor, upon the death of one of the account holders, payment can be made to the survivor unless on or before the time of payment any order of court is received prohibiting the bank from making such payment. The survivor has to provide a Death Certificate or other proof of death of the joint holder. The Survivor can make a request to the concerned branch for transfer of the outstanding balance in his name.
(c)  Settlement of Claims in absence of Nomination and/or Survivorship Mandate
       In such cases, the claimant is required to submit a claim form. In case, the legal heirs of the deceased customer are identifiable and there is no dispute amongst the legal heirs, the bank has not prescribed any upper ceiling up to which claims can be settled without insisting for obtaining Succession Certificate/Letter of Administration etc. These claims are settled after obtaining Indemnity with or without Surety to the satisfaction of the bank. In case, only one of the legal heirs wants to claim / receive the amount or contents of locker etc. he/she can obtain a Power of Attorney in his/her favor from the other legal heirs for receiving the amount of the Deposit Accounts and / or the contents of the Locker.
 (d) Time line for Settlement:
        In case, all formalities are completed by the claimant(s) the claim will be settled within 15 days from the date of submission of claim documents, complete in all respects, to the Branch.
       At the time of payment of the claim, the claimant(s) shall give receipt to the Branch.
(vii) Exchange of Soiled/Slightly Mutilated Currency Notes at Public Sector Banks
All branches of the bank will exchange freely soiled and slightly mutilated / cut notes of all denominations. No essential feature of the note should be missing. The bank’s currency chest branches will exchange torn/mutilated/defective notes free of cost. Currency exchange facility is offered to the Bank's customers and others.
The Bank follows RBI guidelines in this respect. RBI has permitted the banks to exchange mutilated currency notes which are genuine and where mutilations are such as not to cause suspicion or fraud. The Bank's currency chest branches exchange all categories of mutilated currency notes. Refund value of these notes is, however, paid as per RBI (Note refund) Rules. Currency exchange facility is offered to the Bank's customers and others
(viii) Safe Deposit Vaults (Lockers)
The facility of safe deposit lockers is an ancillary service offered by the Bank. There will be a completely transparent process in the allocation of locker facility. The identification of locker branches shall be done by the Bank at its discretion based on potential and commercial considerations etc. as the relationship of the Bank with the locker hirer(s) that of Bailor and Bailee. Bank shall exercise due care and necessary precautions for the safety of lockers provided to the customers like ordinary prudence will do in his case. However, bank shall not be liable for any damage or loss to lockers or its contents, due to any reasons(s) whatsoever.
The major aspects governing the services:
a)       A locker may be hired by an individual (not minor), firm, limited company, specified associations, societies, etc.
b)       Nomination facility is available to individual hirer of safe deposit locker.
c)       Loss of key should be immediately informed to the branch. However all the expenses incurred in repairing the lock and key shall be borne by the hirer(s).
d)       Lessee may use his/her own pad lock on the locker. Locker holders are however, advised to get an insurance cover for the jewellery, valuables etc. kept in the locker.
e)       Lockers are available in different sizes.
f)        Lockers are rented out for a minimum period of one year. Rent is payable in advance. In case of overdue rent, the bank will charge penalty as decided from time to time.
g)       The rent may be paid from the deposit account of the lessee through standing instruction.
h)       The Bank reserves its right to break open the locker if the rent is not paid despite notices sent by the bank as per the rules, and recover charges thereof.
The facility of safe deposit vault is available to customers having SB/CA account with the bank. For availing the above facility, the customer has to deposit a prescribed amount in fixed deposit for a minimum period of three years for meeting the annual rent of the locker out of interest and to meet break open charges, if required
(ix) Articles in Safe Custody
Articles like shares, securities, etc. can be kept in safe custody with the Bank on prescribed charges wherever such facility is offered. Large/small boxes must be locked by the customer(s) and particulars must be written/ painted thereon. The lock should be covered by sturdy cloth and sealed with the customer's seal. Relationship of banker and customer shall be that of bailer and bailee.
x) Remittance Services
Customers may remit funds from one centre to another centre by RTGS, NEFT and Demand Drafts by paying specified charges. 
Demand Drafts for Rs.50,000/- and above will be issued by the banks only by debit to the customer's account or against cheques or other instruments tendered by the purchaser and not against cash payment. Payments   for  Rs.20,000/- and above will be made through banking channels and not in cash (as DDs for  Rs.20000/- and above are to be issued with Account Payee crossed).and
Before taking delivery of the drafts, customer is to verify that the draft is complete in all respects including signature of the official(s) along with their specimen signature numbers at the place provided for.   
The drafts can be revalidated by the payee(s) if they are identified as the holder in due course. The drafts can be revalidated only once within one year from the date of issue. After one year of the draft, they are to be cancelled at the issuing branch, and a fresh draft obtained after paying the requisite service charges.
Bank will issue duplicate demand draft to the customer within a fortnight from the receipt of request. For delay beyond the above stipulated period, interest at the rate applicable for Fixed Deposit of Corresponding period will be paid as compensation to the customer for such delay.
(xi) ATM / Debit Card Transactions:
Branches in North Eastern region will endeavor to arrange for backup of alternate sources of energy for supply of power for ATM machines so as to ensure continuous service to the customers.
In case of doubt about the success / failure of an ATM transaction, the copy of the JP log called for from an acquiring bank and the preceding and succeeding transactions will also be included in the copy.
(xii) Mobile Banking:
Transaction Value, Destination of transaction (two level authorizations for non-routine destinations),and security based on hand-sets and frequency of payments are being introduced.
Bank will encourage formation of user communities to get feedback on the banks and also to enhance the efficiency of their products and design new products.
(xiii) SMS / E-Mail Alerts:
Account Statement in PDF format will be sent by e-mail, if customer requests so (password encrypted document).
Transaction based SMS are sent furnishing the details of transaction, balance out standing for operative accounts.
(xiv) Missed Call Service (FreeBuzz)
Customers on giving a missed call on the toll free number provided by the bank shall receive the latest statement of Account on the mobile.
(xv) ECS Mandate Management System
 Bank will ensure that ECS Mandate Management System is working effectively to comply with the mandate given by the customer in respect of limit of debit amount, expiry date, withdrawal of mandate, etc. Withdrawal of mandate for any ECS debit payment will not be left to the mercy of the beneficiary.
(xvi) Loans And Advances:
a.       Pricing and Non-pricing Terms and Conditions of Loans- All Pricing and Non-pricing Terms and Conditions of Loans will be in strict conformity with the Regulatory Guidelines and correctly capture the risks involved and the rating of the borrowers concerned individually or as a class. Regulation will ensure that customers clearly understand the pricing policies of banks, and the Supervision will ensure strict compliance of bank with the Regulatory Guidelines regarding Pricing and Non-pricing terms governing all Loans.
b.       The CBS software will be so enabled so as to provide the following Provision to apply for Retail Loan and will be available in bank’s portal and Internet Banking. Reason for Penal Interest on Loan accounts, Rate of Interest charged in Loan accounts etc. will be mentioned in the Passbooks/Statement of Accounts. 
c.       Housing Loan Interest Certificate/Education Loan interest Certificates are required for Income Tax purpose by the borrowers every year. CBS software will be enabled to generate/issue such certificates in respect of all Housing Loan and Educational Loan customers in the month of April every year.
d.       Loan Statement- Bank will ensure that loan statements are issued to the borrowers periodically giving details of loan disbursed, demands and repayments effect along with interest and details of charges.
e.       Loan Documents- Borrower will be made aware upfront about various documents required to be produced for processing of loan application, instead of in piecemeal.
f.        Bank will automatically provide annual account statement to Home Loan customers without request from them. Such statements will contain details of payment made towards principal and interest including principal outstanding.
g.       Normally bank guarantees will be closed and margin money returned upon return of original bank guarantee duly discharged by the beneficiary. In its absence, it will be closed one month after its expiry and after intimating the beneficiary. The title deeds will be returned to the customers within a period of 15 days after the loan closure and for delayed return of title deeds or where there is a loss of title deeds in the custody of the bank customer will be suitably compensated as per the Compensation Policy of the Bank. 
h.       Bank has already switched over to MCLR.   Notice with regard to the benefits of switchover and option available to the customer is displayed on our website. 
i.         Bank will send SMS or e-mail alert informing the change in interest rate on loan availed due to change in MCLR etc.
Ultimate delivery channel is Branch Office/specialized Branch Office besides availability of Alternative Delivery Channel viz. ATMs, INTERNET BANKING SERVICE, Mobile Banking, Credit Card etc.   It is the responsibility of Branch Manager to provide services to the customers as per standards/norms. Any query/grievance be addressed to the Branch Manager/Call Centre.
Customers can obtain the details of the products/services from the Branch or download from Bank’s public domain website.   Bank reserves the right to change /amend the terms and conditions of any Scheme/services at any time. 
Indicative time norms for various transactions subject to submission of required documents by the customers are given below:
Documents and other parameters
Time norms (indicative)
after completion of form
Opening of SB accounts
A. For Identity Proof and for Proof of address,copy of any one: i) Passport ii) PAN Card iii) Voter ID Card iv) Identity Card (subject to the Bank’s satisfaction) v) Driving license vi) Letter from recognized public authority or public servant verifying identity and residence of the customer to the satisfaction of the Bank vi) Aadhar card/ Letter issued by UIDAI containing name, address and Aadhaar no. (where applicable) vii) Job card isued by NREGA duly by an officer of the State Government.
B.  Photograph
15 Minutes
Closing of SB accounts
Passbook, Unused cheque book, ATM/Debit Card
10 Minutes
Opening of Term Deposit Accounts
As applicable in SB accounts
15 Minutes
Payment of Term Deposits
Original FDR/ RD pass book
10 Minutes
Issuance of duplicate FDR
Indemnity Bond
20 Minutes from
the receipt of
along with
documents by the
Base branch.
Opening of Current Account
A. For Identity Proof and for Proof of address, submit copy of any one: i) Passport   ii) PAN Card   iii) Voter ID Card iv) Identity Card (subject to the Bank’s satisfaction) v) Driving license vi) Letter from recognized public authority or public servant verifying identity and residence of the customer to the satisfaction of the Bank vi) Aadhar card/ Letter issued by UIDAI containing name ,address and Aadhar no (where applicable)
B.  Photograph of authorized signatories
C. Introduction
D. Partnership Deed in case of partnership concern.  
E. Memorandum of Association and Article of Association in case of Company.  
F. Certificate of encorporation, Board resolution & Power fo Attorney granted to its Manager, Officer or employees to transact on its behalf.
30 Minutes
Closing of Current account
Unused cheque book, ATM/ Debit Card
10 Minutes
Transfer of accounts/ Transfer of accounts with account number portability
Request letter for transfer of account at any branch i.e. transferor or transferee branch
3 working days
Receipt of cash
-Through SWO
-Through cashier
Up to Rs. 20,000/-
7 Minutes
Above Rs.20,000/-
15 Minutes
Payment of cash
-Through SWO
-Through cashier
 Up to Rs.20,000/-
7 Minutes
Above Rs.20,000/-
15 Minutes
Updation of passbook/ issuance of statement of a/c
 On the counter
5 Minutes
Issuance of cheque Book
Existing Customers     (Non –Personalized)
Personalized  cheque book

10 Minutes
7 working days
  For new customers
Requisition to be submitted at base branch. 
10 working days  
Issuance of ATM/ Debit Card
Requisition to be submitted any branch. 
10 Minutes
10 working days
Internet Banking Service facility 
Requisition to be submitted at base branch or through ATM 
7 working days
Mobile Banking facility
7 working days
Remittance-RTGS/ NEEFT/Draft
15 Minutes
Payment of Drafts
7 Minutes
Collection of cheques
2-3 working days
10-14 working days
7 working days
Retirement of Bills
20-30 Minutes
Settlement of deceased claim
In case of nomination registered - Death Certificate , Duly filled claim forms
In other cases - Death Certificate, Duly filled claim form , Indemnity bond with surety/ succession certificate   (depends upon claimed amount)
15 working days
Issuance of Locker facility
Subject to availability.
Identity and address proof.   
Locker Agreement,
30 Minutes
Stop payment/ Standing instructions
10 Minutes
Redressal of complaints
- ATM / related
7 working days
-Internet Banking service   related 
48 hours
30 working days
Documents and other parameters
Time norms (indicative)
after completion of form
Credit Schemes
Agriculture Credit Scheme
·     Scheme for financing under Krishi Card (Kissan Credit Card)
·     Scheme for package loan to farmers
·     Credit against National Savings Certificates/ Fixed Deposits receipts and Kisan Vikas Patra to farmers.
·     Credit against gold ornaments / jewellery to farmers.
·     Produce marketing (loans scheme).
·     Farm Mechanization Scheme – Financing for purchase of farm machinery and repair/ renovation of tractors and power tillers. 
·     Scheme for financing farmers for purchase of 2nd hand tractor.
·     Scheme for financing self propelled combine harvester.
·     Scheme for financing farmers for purchase of trucks and other transport vehicles.
·     Scheme for financing minor irrigation.
Loan Application & Documentation
For loan upto Rs.1 lac:
Simplified application cum sanction for loan Hypothection Agreement 
For Loan above Rs.1 lacs
·       Application for agricultural credit 
·       Prescribed Annexure/ Appendix for each agricultural activity Hypothecation Agreement
·       Deed of guarantee, wherever applicable
·       Mortgage Deed, wherever applicable
·       Copies of documents establishing ownership/cultivation rights called FurdJamabandi, Khasra/KhatauniGirdawri (or by other vernacular names).
Margin Norms
For production and/or Investment Credit :
·       Upto Rs.1,00,000/-     NIL
(Both for short term and medium term)
·      Above Rs. 1 lacs to Rs.2 lacs - 5%
·      Above Rs. 2 lacs to Rs. 5 lacs – 10%
·      Above Rs.5 lacs -25%
·      (b)Under Kisan Card Scheme (KCC)
·      Upto Rs. 3 lacs - NIL
·      Above Rs.3 lacs to Rs.5 lacs - 10%
·      Above Rs.5 lacs to Rs.10 lacs - 25%
· Above Rs.1 lac & upto Rs.5 lacs – 2 weeks*
· Above Rs.5 lac & upto Rs.20 lacs – 3 weeks*
· Above Rs.20 lacs & upto Rs.50 lacs 4 weeks *
· Above Rs.50 lac & upto Rs.100 lacs – 5-6 weeks*
· Above Rs.100 lacs & upto Rs.100 crores -6-7 weeks*
· Above Rs.100 crores – 8-9 weeks*
*Subject to fulfillment of formalities
·     Scheme for financing development of horticulture (fruits, flowers and vegetables) and plantation crops.
·     Scheme for financing forestry development programmes.
·     Scheme for financing agricultural graduates for setting up of Agri clinics and agri business centers (ACABC). 
·     Scheme for financing Small/Marginal farmers for purchase of land for agricultural purpose.
·     Scheme for financing mushroom cultivation.
·     Scheme for financing spawn production.
·     Scheme for financing setting up of bio-gas units.
·     Scheme for financing commission agents/ arhtiyas /dealers, commission agents arhtiyas and dealers engaged in distribution of cattle feed, poultry feed, dairy feed etc., against their paid up stock.
·     Scheme for financing poultry farming.
·     Scheme for financing Dairy Development Progammes.
·     Dairy Vikas Card Scheme (Implemented in select States).
·      Scheme for financing fisheries development.
·      Scheme for financing piggery development.
·      Scheme for financing purchase of animal drawn vehicles i.e. carts and draft animals.
·      Scheme for financing apiculture (bee keeping) .
·      Scheme for financing sericulture.
·      Scheme for financing kitchen gardening.
·      Scheme for financing green houses.
·      General Credit Card (GCC)
·      Scheme for financing solar energy lighting system. (SELS)
No Dues Certificate
‘No Dues Certificate / Affidavit’   is not to be obtained for agricultural loans upto Rs. 1 lacs. However, for loans above Rs.1 lacs obtaining of Affidavit in lieu of ‘No Dues Certificate’ is allowed. 

Retail Loan Schemes
For Retail Loans online application facility available through public domain website. Electronically generated acknowledgement of the application shall be available to the customer as soon as all the mandatory fields are filled in the system.
Documents and other parameters
Time norms (indicative)
after completion of form
·   Housing Loan
·   Car Finance
·   Two Wheeler Finance
·   Personal Loan
·   Professional Loan
·   Education Loan Scheme
·   Loan against Mortgage of Property
·   Personal Loan Scheme for Pensioners
·   Reverse Mortgage Scheme
Advance against Gold and Jewellery
Other Retail Schemes
General Documents :
·   Loan application form, as applicable, duly complete with recent photograph.
·   Proof of Income (I.T. Returns/ Assessment Order/Salary Certificate)
·   Bank Statement for the last six months. 
·   Age Proof
·   Address Proof
·   Proof of income of spouse/ parents where the same is to be considered for determining loan amount.
·   Any other information/ Documents which may be necessary.
In addition to above following documents are Scheme Specific:
Home Loans
·   Property documents- depends upon the purpose of loan.
·   Estimate from the Bank’s approved Architect.
Vehicle Loan (Car/Two Wheeler): 
·   Quotation from authorized dealer for vehicle to be purchased.
Education Loan
·   Certificate/documents having qualified Qualifying Examination for admission.
·   Prospectus/Letter from the Institute where seeking admission
Personal Loan for Pensioners
·   Pensioner’s portion of PPO in original (to be retained until liquidation of loan account
·   Letter of request
·   Letter of Authority to recover monthly installment
Home Loans/ Reverse Mortgage/
·   7 days * at Retail Assets Branch
·   10 days* for other Branches
For Education Loan :
·   1 Week *for loan falling under BM power
·   2 weeks* for loans falling under powers of CH & above
Car Loan
·   2 days*
 Two wheeler Loans
·   2 days*
*Subject to fulfillment of formalities
MSME Credit Scheme
Documents and other parameters
Time norms (indicative)
after completion of form
·   Schemes for Financing Micro and Small Enterprises
·   Trade Finance
·   Super Trade
·   Scheme for financing professional qualified medical practioners
Gramin Chikitsak Scheme for financing of qualified medical practioners in rural areas.
·   Proof of identity
·   Proof of residency
·   Proof of business address
·   Memorandum and Article of Association of the Co./Partnership Deed of partners etc.
·   Assets & liabilities of promoters and guarantors along with latest income tax returns.
·   Rent Agreement (if business premises on rent) and clearance from pollution control board, if applicable. 
·   SSI registration certificate where applicable. 
·   Profile of the unit (includes name of promoters, other directors in the company, the activity being undertaken, addresses of all offices and plants, shareholding pattern etc. (applicable for cases with exposure above Rs.25       lacs )
·   Photocopies of lease deeds/title deeds of all the properties being offered as primary and collateral securities, if any.
·   Last three years Balance Sheets of the units along with income tax/sales tax returns etc. ( applicable for all cases from Rs. 2 lacs and above) . However, for cases below fund based limits of Rs.25 lacs unaudited balance sheets may be accepted. For cases of Rs.25 lacs and above, the audited balance sheets are mandatory.
·   Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan (For all cases of Rs. 2 lacs and above )
·   Last three years balance sheets of the Associate /Group companies , if any (applicable for cases with exposure above Rs.25 lacs)
·   Project report (for the proposed project if term funding is required) containing details of the machinery to be acquired , from whom to be acquired, price, names of suppliers, financial details like capacity of machines, capacity utilization assumed, production, sales, projected profit and loss and balance sheets for the next 7 to 8 years till the proposed loan is to be paid, the details of labour staff to be hired, basis of assumption of such financial details etc. (Applicable for cases with exposure above Rs. 25 lacs)
·   Manufacturing process if applicable, major profile of executives in the company, any tie-ups and details about raw material used and their suppliers (details about the buyers, details about major competitors and the company’s strength and weakness as compared to their competitors etc (applicable for cases with exposure above Rs.25 lacs) 
·   Certificate of registration with IATA.
·   Review of account containing month-wise receipts (quantity and value both), production (quantity and value), indigenous raw material ( quality and value), value of stocks in process, finished goods (quantity and value), debtors, creditors, bank’s outstanding for working capital limits, term loan limits, bills discounted (Applicable for cases with exposure above Rs.25 lacs)
·   Proof of Minority
(The above list of documents is only indicative and not exhaustive and depending upon the local requirements of specific activity at different places addition could be made as per necessity).
·     Upto Rs.1 lac - 1 week *
·     Above Rs.1 lac & upto Rs.5 lacs – 2 weeks*
·     Above Rs.5 lac & upto Rs.20 lacs – 3 weeks*
·     Above Rs.20 lacs & upto Rs.50 lacs - 4 weeks *
·     Above Rs.50 lac & upto Rs.100 lacs – 5-6 weeks*
·     Above Rs.100 lacs & upto Rs.100 crores -6-7 weeks *
·     Above Rs.100 crores – 8-9 weeks*
*Subject to fulfillment of formalities
Government Business – Products/Services 
Documents and other parameters
Time norms (indicative)
after completion of form
Senior Citizen Saving Scheme, 2004
The proof of date of disbursal of such retirement benefits along with a certificate from the employer indicating the fact of retirement on superannuation or otherwise, retirement benefit, employment held and period of such employment with the employer is to be attached with the application form.
·      Form A - Application Form
·      Form B-Extension of Tenure
·      Form C -Nomination Form
·      Form E - closure of A/c
·      Form F - Death of a Depositor   before maturity
Form G - Transfer of an account from one branch to another 
*For A/c open  
25-30 minutes*
*For Deposit  
10-12 minutes*
*A/c closure  
25-30 minutes*
*Subject to fulfillment of formalities
RBI 8% Savings (Taxable) Bonds, 2003
Applications :
(i) Applications for the Bonds may be made in Form ‘A’ or in any other form as near as thereto stating clearly the amount and the full name and address of the applicant.
(ii) Applications should be accompanied by the necessary payment in the form of cash/ drafts/ cheques.
(iii) Applicants who have obtained exemption from tax under the relevant provisions of the Income Tax Act, 1961, shall make a declaration to that effect in the application (in Form 'A') and submit a true copy of the certificate obtained from Income-Tax Authorities.
*For A/c open  
25-30 minutes*
*For Deposit  
10-12 minutes*
*A/c closure  
25-30 minutes*
*Subject to fulfillment of formalities
Life Certificate,  Non-Employment Certificate, Re-Employment Certificate, Re-Marriage / Marriage Certificate, Undertaking for refund of excess payment and any other Certificate that may be prescribed from time to time. The branch also obtains specimen signatures / thumb impression in the disburser’s portion of the PPO.
For opening of a/c :  30 minutes*
Pension will be disbursed every month in the last 4 working days of the month, except for pension for the month of March, which shall be credited on or after the 1st working day of April.
For delay in payment of pension, bank will to pay interest @ Bank Rate + 2% for the period of delay.
*Subject to fulfillment of formalities
e-payment of VAT
This facility is available only for account holders of Bank and TIN holders registered with Department of Commercial Taxes of the concerned state
Commercial Tax Payment of e-Vat are effected by debiting customer account is debited, transaction gets completed at Government website and tax will be treated as payment made to Government
Collection of Direct Taxes - ON-LINE TAX ACCOUNTING SYSTEM (OLTAS)
·      Main portion of the challan and the taxpayer's counterfoil form be filled in properly and the amount and major head of account to which the amount is to be counted/credited to be correctly recorded therein.
·      Details of the Permanent Account Number (PAN) or Tax Deduction Account Number (TAN), name and address of the taxpayer, assessment year and nature and type of payment are to be properly filled in.
The amount should be written correctly both in words and figures
For physical payment of challan: 15-20 minutes.*
For e-payment: On real time basis. Once the customer account is debited, transaction gets completed at Government website and tax will be treated as payment made to Government. Amount paid after 8.00PM, will be treated for next day payment.
*Subject to fulfillment of formalities
Collection of Indirect Taxes – Electronic  Accounting System in Excise and Service Tax
·      Main portion of the challan and the taxpayer's counterfoil form be filled in properly and the amount and major head of account to which the amount is to be accounted/credited be correctly recorded therein.
·      Details of the Assessee code, name and address of the taxpayer, nature and type of payment are to be properly filled in.
The amount should be written correctly both in words and figures.
For physical payment of challan:  15-20 minutes.*
For e-payment: On real time basis. Once the customer account is debited, transaction gets completed at Government website and tax will be treated as payment made to Government. Amount paid after 8.00PM, will be treated for next day payment.
*Subject to fulfillment of formalities
International Banking - Products / Services.
Documents and other parameters
Time norms (indicative)
after completion of form
Merchant Exports
·    Handling of documents relating to Exports of Goods & Services on different tenors (Sight / Usance);
·    Negotiation of export bills under Letter of Credit;
·    Purchase of export bills accompanied with Purchase Order from buyers;
·    Handling of export bills on Collections basis.
·      Request of the exporter to handle the export bills;
·      Original Export Letter of Credit, if the bill is under LC;
·      Invoices of the goods/ services of the goods/ services exported;
·      Document to title of goods viz. Full Set of Negotiable Bill of Lading/Airway Bill etc.;
·      Shipping Bill (2 copies) cleared by the customs/SDF Form/ GR Form/ PP Form/ Softex form
·      Other documents (viz. Bill of Exchange / Packing List / Inspection Certificate / Insurance Certificate etc.) as per the requirement of the buyer / Export Letter of Credit.
Original FIRC, in case of advance payment of bills
Normally about 1 hours from the receipt of the bill, keeping in view the nature of transaction
Imports into India
All imports into India are subject to FEMA provisions and Foreign Trade policy in force at the time of opening the letter of credit/payment of import bills
At the time of opening of letter of credit
·     Application for opening of letter of credit
·     Supporting contract
·     IE Code No.
·     Import License (Ex Control Copy), if applicable
At the time of retiring import bills under letter of credit or outside letter of credit
·     Application for sale of foreign currency against imports (A1)
·     Supporting contract
·     IE Code No.
·     Import License (Ex Control Copy), if applicable
At the time of retiring import bills under letter of credit.
·     Application for sale of foreign currency against imports (A1)
·     Bill of entry in case of usance documents/goods already received by the party
At the time of retiring import bills under collection.
·     Request of the importer to handle the import bills;
·     Invoices of the goods/services of the goods/services imported
·     Document to title of goods viz. Full Set of Negotiable Bill of Lading/Airway Bill etc.;
·     Other documents (viz. Bill of Exchange / Packing List / Inspection Certificate / Insurance Certificate etc), bank guarantee in case of advance payment for more than stipulated amount, CR on foreign supplier.
·     A 1 Form duly filled in
·     Bill of entry in case goods already received by the party.
Pay slip for foreign currency cheques
·Opening of letter of Credit: 1 day after receipt of documents complete in all respects
Retirement of import bills   : Same day on receipt of documents upto 3.30 pm
Collection of instruments payable in Foreign Currency and Instant Credit for Small Value instruments.
To collect foreign currency instruments and to provide immediate credit to account holders of the bank maintaining savings or current account.
·   Collection of cheques after 21 days from receipt of funds by the bank.
·    Instant credit for small instruments on same day, subject to request complete in all respect.
Foreign Inward Remittances for Beneficiaries in India
Following arrangements/ modes of foreign inward remittances are in place
·   Remittances by way of SWIFT Transfer/Demand Draft/Cheque/Traveller Cheque/Currency notes etc. 
·   Rupee Drawing Arrangement with five Non Resident Exchange Houses.
·   Remittances under Money Transfer Service Scheme with the under mentioned Service Providers:
·   Thomas Cook India Ltd for Money Gram
·   UAE Exchange Financial Services Ltd for Money Gram
·   UAE Exchange and Financial Services Ltd. for Xpress Money
·   Wallstreet Finance Ltd for Western Union
·   The above arrangements are subject to RBI Master Circulars No. 5, 13 & 14/2011-12 dated July 1, 2011 revised from time to time.
·   Facilitates receiving remittances/payments from abroad, in Foreign Currency and Indian Rupees.
Facilitate remittances meant for various purposes viz. Family maintenance / deposits in resident and non-resident accounts / advance against exports of goods and services etc.
Swift Remittances: Value date / next working day depending upon remitting centre time zone.
Encashment of Currency Notes, Traveller Cheques About 30 minutes through selected branches only.
Rupee Drawing Arrangement :
For Speed Remittance – same day: For demand drafts – payable on demand (3rd day from the date of submission of instrument in the branch)
Money Transfer Service Scheme:
About 30 minutes: this may slightly vary from branch to branch.
Foreign Outward Remittance for Residents
·   A resident of India may remit foreign currency amount in favour of a beneficiary residing outside India.
·   Services to all customers, through our Foreign Exchange Authorized branches. 
Exchange Rates on real time basis.
Clear and complete information   and instructions about remitter / currency of remittance / amount of remittance / value date /beneficiary’s bank / beneficiary’s account number/ beneficiary’s name / purpose of remittance / Receive Money Form / KYC documents etc., depending upon the nature of inward remittance.
·      Application on a form prescribed as per FEMA/Banks guidelines, duly completed in all respects and signed.
·      Form A2 for exceeding transaction of USD 5000 or equivalent and Application cum declaration form (modified A2 form) for transactions below USD 5000 or equivalent 
Declaration/other requisite documents as per guidelines under FEMA/RBI/ Bank’s guidelines.
Completion of KYC documents in case of Non - Account Holders.
1 day*
*Subject to fulfillment of formalities
Expectations From Customers For Qualitative And Efficient Services.
a)       Check your statement of account or passbook regularly.
b)       Bring pass book while withdrawing cash from savings bank account through     withdrawal slip. Get pass book updated from time to time.
c)       Ensure safe custody of cheque book and pass book. Pass book, Cheque book, ATM/Debit Card not to be kept together.
d)       Issue crossed/account payee cheques as far as possible.
e)       Ensure cheque is crossed and at the back of the cheque the account number and mobile number is mentioned before dropping in the cheque drop box.
f)        While tendering the cheques at the branch for collection, the acknowledgement can be obtained from the officials.
g)       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.
(i)       To prevent from any loss, cheque be issued without cutting/overwriting. No changes/corrections should be carried out on the cheques. For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words) etc. fresh cheque forms should be used by customers. This would help banks to identify and control fraudulent alterations. Cutting in date, wherever required should be for re-validation of ‘Stale Cheque’. Blanks in spaces meant for writing ‘Payee’s’ Name/Amount in word and figure should be securely plugged by putting cross/drawing a line.  
(ii)     Cheque issued with cuttings are liable to be rejected if presented in clearing functioning under ‘Cheque Truncation System’ (CTS), even though the cutting/s is/are authenticated.   
h)       Send cheques and other financial instruments by Registered post or by courier. Do not sign blank cheques. Also do not record your specimen signature either on pass book or on cheque book. 
i)         Not to issue cheque without adequate balance; maintain minimum balance as   specified by the bank.
j)         Use nomination facility.
k)       Note down account numbers, details of FDR, locker number, etc. separately.
l)         Inform change of address, telephone number etc. to the branch.
m)     Inform loss of demand draft, fixed deposit receipt, cheque leave(s)/book, key of locker, etc. immediately to the Branch.
n)       Pay interest, installments, locker rent and other dues on time.
o)       Not to introduce any person who is not personally known to you for the purpose of opening account
p)       Ensure safe custody of the Delivery Book in the Demat Accounts and not to keep any blank signed slip in the Book. 
q)       Complaint relating to deficiency of customer service should be reported within a reasonable time provided this is within the prescribed period of preservation of relevant record.
r)        Operate account regularly to maintain the status as operative/Active. Inform Bank if you intend not to operate the account for some time.
s)       Avail standing instructions facility for repeat transactions.
t)        Ensure safe custody of credit card, debit/ATM card. Wherever signature on the card is mandatory, it should not be left unsigned.      
u)       Ensure confidentiality of password for internet banking and PIN for Credit/     Debit Card. 
v)       In case of loss of ATM/Debit card, notify your bank (bank’s call centre) to take immediate steps to prevent the same from being misused. Customer shall be liable for any misuses until the time the bank has been notified. 
w)     Never leave credit card unattended. Do not bend credit card.
x)       Do not give account details, password or any other security information to anyone. Memorize personal identification number (PIN) and change it on regular basis. 
y)       Not to respond to any unauthorized email/ email asking for password/ PIN. 
z)       Use SMS alert facility and notify any change in mobile number.
aa)     Avoid accessing bank’s internet banking site through a link from another site or an email. Verify the domain name displayed to avoid spoof website. 
bb)     Not to use cyber cafés/shared PCs to access any internet banking site. 
cc)     Log off the PCs when not in use.
dd)     As a matter of good practice, personal firewall software and antivirus software should be installed on desktop and latest available updates should be regularly downloaded. In case of doubt reconfirm by double checking the Padlock Symbol/Icon on webpage to ensure that the site is running in secure mode before any confidential/sensitive information is fed.  
ee)     Change internet banking password regularly. Keep password a combination of    alphabet, special character and number.
ff)        Always logout from Internet Banking before closing the window. Use virtual key board for entering internet banking login ID and Password especially when not using own PC. There might be a risk of capturing key strokes.
gg)     Do not store ID/PIN in the internet explorer browser.
hh)     Cooperate with the Bank/ police / any other investigating agency, for any investigation on any transaction on your account
ii)         Bring any deficiency in services to the notice of the bank.
jj)         Furnish the nominations for deposit and pension account separately. 
kk)     Correct PAN number/ form 15G or 15H is to be furnished at the commencement of financial year enabling to deduct TDS correctly.
ll)         Account holder is to ensure that account is not used for money laundering or for any fraudulent transaction. 
Customer obligation - Proper utilization of Bank Loan and Timely Repayment.
Customer Education:
a.    BCSBI Codes are exhibited on our public domain website.
b.    Special efforts will be made to educate the customers in the use of technology in banking. Banks will make use of Print media, Television, All India Radio for this purpose. Short training programmes at the branch level will also be arranged for the customers.
c.    Bank will ensure full transparency to the customer in levying of various fees/ service charges and penalties.
d.    Bank will establish a proper Customer Grievance / Assistance Centre which works in an integrated manner across channels like – branches, Regional Offices, Head Office, SMS, Call Centres, Internet and Mobile.
e.    Use of various technology channels for customer education and gathering suggestion for improving service will be made.
f.     Bank will implement a relevant Customer Relationship Management system to capture and track customer issues and complaints
Grievance Redressal Mechanism :
We are committed to serve you to your satisfaction and make your experience of patronizing our services an enjoyable one. However, should you feel that our services need improvement and wish to lodge your feedback/complaint; we welcome your valuable suggestions and feedback. Our endeavor shall be to convert your complaint into a compliment.
 In case of any complaint about our service or product, the matter may be brought to the notice of the concerned Manager for its immediate redressal. Kindly obtain the feedback/complaint form from the branch or you may download from our public domain website and submit it against acknowledgement to the branch or send it through email. 
Online Grievance Redressal System :
Bank has a single point platform to submit your views and route your grievance, on its website.
Click here to submit Customer Complaints/ Grievance(SPGRS)

Click here to Know Your Complaints/ Grievance(SPGRS) status

The Online Grievance System would provide access to the customer also for recording the complaint, complaint status tracking and receiving response from the bank


In case of non redressal, you may contact the following
·    Customer Relationship Centre on toll free number - 1800 425 5885/9992/4066
·   Chief Nodal Officer posted at every Regional Office on given telephone number. - View Contact Details
·    If the complaint is not redressed within 7 days, contact the concerned Regional Head.
·   Our toll free helpdesk number and contact details of other functionaries mentioned above are displayed at the branch notice board and are also available on the bank’s website.
For ATM related complaints on account of following reasons:- 
(a) Short dispensation of cash
(b) Account debited  but cash not dispensed.
(c) Non - hot listing the ATM card once reported as stolen/lost
The grievance may be sent giving full details of the case to the branch where your account is maintained or to the designated contact person. The address of the contact person is displayed at all ATM locations, bank branch and on our website.
However, if the complaint remain unresolved, the grievance may be sent giving full details of the case to:
Chief Grievances Redressal Officer (General Manager) for customer complaints at:
The Nodal Officer/Chief Grievance Redressal Officer,
Vijaya Bank
Customer Comfort Cell
Head Office, 41/2, M. G. Road
Bangalore – 560 001.
TEL (O) 080 - 25584066 Ext 133, FAX 080 - 25584236
We shall endeavor to resolve your complaint/grievance at the earliest.

If the complaint is not resolved to your satisfaction within a month, you are free to take recourse to the following:
The Banking Ombudsman located in State Capitals under RBI Ombudsman Scheme   1995, re-launched as Banking Ombudsman Scheme 2006. Presently, Banking Ombudsman is located at 15 Stations. Addresses and area of operation of Banking Ombudsman are given on public domain website.
Customers may also lodge their complaints through web based portal Centralized Public Grievance Redress & Monitoring System (CPGRAMS) developed by Directorate of Public Grievances (DPG), Department of Administrative Reforms & Public Grievances, Government of India.
Anonymous complaints will not be entertained.
This Citizen Charter , inter-alia, provides the customers with promised time frame for various services offered by the bank and in order to have a better perspective about the customer’s rights and obligations, the charter should be read in conjunction with the “Code of Bank’s Commitments to Customers” being voluntarily adopted by the banks and implementation of which are monitored by Banking Codes and Standards Board of India(BCSBI)


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