Some Rules to know from Reserve Bank of India

                                                                CUSTOMER SERVICE GUIDELINES BY RBI 

CONTENTS

Sr.No.	Contents
A. DEPOSIT ACCOUNTS
A.1.	Address / Telephone Number of the Branch in Pass Books / Statement of Accounts
A.2.	Non-issuance of Passbooks to Savings Bank Accountholders (Individuals)
A.3.	Customer Service – Issue of Duplicate Demand Draft
A.4.	Cheque Drop Box Facility and the facility for acknowledgement of cheques
A.5.	Rounding off cheques to the nearest rupee
A.6.	Nomination Facility in Single Deposit Accounts
A.7.	Paper based funds movement to electronic funds transfer
A.8.	Delay in collection of outstation cheques – Need for issuance  of Payable at par / Multi-city cheque
B. SERVICE CHARGES
B.1.	Display of Bank Charges
B.2.	The report of the Working Group to formulate a Scheme for  ensuring Reasonableness of Bank Charges.
C. LENDING
C.1.	Guidelines on Fair Practices Code for Lenders
C.2.	Complaints about excessive interest charged by banks
D. GRIEVANCE REDRESSAL
D. 1.	Availability of complaint form and nodal officers
D.2.	Analysis and Disclosure of complaints - Disclosure of complaints / unimplemented awards of Banking Ombudsmen alongwith Financial Results
E. CURRENCY NOTES AND COINS
E.1.	Obtain coins near your home or place of work:  RBI arranges with banks
E.2.	Clean Note Policy - Stapling of Note Packets
E.3.	Acceptance of Small Denomination Notes and Coins
F. SAVINGS SCHEMES OF GOVERNMENT
F.1.	Payment of half-yearly interest / principal of Relief /  Savings Bonds to investors at a place of their choice.
F.2.	Senior Citizens Savings Scheme, 2004 – Frequently Asked Questions (FAQs)
F.3.	Senior Citizens Savings Scheme, 2004 - Clarification in respect of rate of interest in death cases.
F.4.	Senior Citizens Savings Scheme, 2004- Opening of multiple account in a calendar month in the same deposit office
F.5.	F.5 Public Provident Fund Scheme, 1968 (PPF) - Settlement of PPF Claims of Subscribers, who go missing
G. OTHERS
G.1.	Formation of Customer Service Department, RBI
G.2.	Section 23 of Banking Regulation Act, 1949 – Doorstep Banking
G.3.	Extension of Safe Deposit Locker / Safe Custody Article Facility and Access to Safe Deposit Lockers / Return of Safe Custody Articles by banks.
G.4.	IT-enabled Financial Inclusion
G.5.	Fair practices code – Lenders Liability
G.6.	Committee on Customer Service in Reserve Bank
G.7.	Legal Guardianship Certificate issued under the National  Trust Act, 1999 empowering the disabled persons with autism,  cerebral palsy, mental retardation and multiple disabilities
G.8.	Recovery Agents engaged by banks – Draft guidelines
G.9	Do Not Call Registry
G.10	Branch Level Customer Service Committees