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Customer Rights

CITIZEN CHARTER

VISION & MISSION STATEMENT

CORPORATE VISION OF THE BANK

To emerge as a techno savvy vibrant Public Sector Bank with Pan India presence aspiring to meet expectations of all stake holders

THE MISSION STATEMENT OF THE BANK

  • To provide excellent customer service through innovative products and services for different segments of customers using state of the art technology.
  • To dedicate ourselves wholeheartedly for "Sarva Jana Hitai Sarva Jana Sukhai".

YOUR RIGHTS AS A CUSTOMER OF OUR BANK

As our valued customer, you enjoy the following rights from our Branches network through out the country

 

TIME SCHEDULE

Receipt of Cash 10-15 Minutes
Encashment of Cheques 10-15 Minutes
Issue of Cheque-Book/DDs/POs 15-20 Minutes
Opening of an Account 15-20 Minutes
Payment of DDs/POs 10-20 Minutes
Payment/Renewal of FDRs 20-25 Minutes
Retirement of Bills 20-30 Minutes
Updation of Pass Book/ Issue of Account Statement 05-10 Minutes
Statement of Account to be issued regularly On every 5th of the Month.
Collection of Cheques Local 2-4 days
Outstation 10-14 days
 

COMMON PRACTICES FOLLOWED BY OUR BRANCHES FOR YOUR CONVENIENCE

 
  • Display of business hours.
  • Attend to all customers present in the banking hall at the close of business hours and rendering of courteous service.
  • Provide separate 'Enquiry' or 'May I Help You' at large Branches.
  • Offer nomination facility to all deposit accounts (i.e. account opened in individual capacity) and all safe deposit hirers (i.e. individual hirers).
  • Display interest rates for various deposit schemes from time to time.
  • Notify change in interest rates on advances.
  • Display of Service Charges on issue of Demand Drafts, Pay Orders, Duplicate Drafts, Cancellation of Drafts, Collection of Documents, etc.
  • Display Time - Norms for various Banking Transactions.
  • Pay interest for delayed credit of outstation cheques, as advised by Reserve Bank of India (RBI) from time to time.
  • Display of availability of Locker facility at the Branch.
  • Display of Tax Collection facility at the Branch.
  • 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 of Zonal & Head Offices, as well as Nodal Officer dealing with customer grievances/complaints.
  • Name and address of the concerned banking ombudsman.
  • Corruption free service to all customers.
  • We have extended business hours in our fully computerized branches in Delhi.

COMMON AREA OF CUSTOMER BANKER RELATIONSHIP

SAVING BANK ACCOUNT

 
  • These accounts are designed to help the individuals (personal customers) to inculcate habit of saving money and to meet their future requirement of money. The amount can be deposited / withdrawn from these accounts by way of cheques / withdrawal slips. The withdrawals are restricted to 50 entries each half-year in the S.B. Account.
  • Saving Bank accounts are very popular. These accounts can be opened by eligible person(s) and certain organization(s) / agencies as approved by the Reserve Bank of India (RBI).
  • As required by law, while opening this account, we satisfy ourselves about the identity, including verification of address, of a person(s) seeking to open an account and to assist in protecting our prospective customer(s) and ourselves against fraud and other misuses of the banking system.
  • We are required to obtain two recent photographs of the person(s) opening the account, as per R.B.I. directives.
  • We are required to obtain Permanent Account Number (PAN) or alternatively obtain declaration in Form No. 60 or 61 as per the Income Tax Act (vide Section 139 A) from the person(s) opening the account.
  • We provide to the prospective customers details of the documents required for identification of the person(s) opening the account in addition to satisfactory introduction. Documents normally accepted are the current, gas / telephone / electricity bill / ration card / voter's identity card / driving license / passport, etc.
  • You are required to maintain certain minimum balance in the account, as specified by the Bank from time to time, separately for computerized and non-computerized Branches and also depending on, whether account holder wants to avail the cheque book facility or not. Non-compliance of this would attract service charges. Interest at 3?% p.a. is processed rate, as per presently paid on half yearly basis depending on minimum balance between the 10th day and last day of the months, provided it works out to minimum Re. 1/-
  • Cheques, dividend warrants drawn in the name of account holder(s) will only be collected through this account. Financial instruments endorsed in favour of the account holder(s) will not be collected through savings bank account.
  • Get your passbook updated on presentation legibly with full entries. If the number of entries to be made is large, kindly leave the passbook against receipt showing the date when it can be collected back. You can obtain the statement of account indicating full details by 5th of every month in case you have not been issued a passbook.
  • You can obtain a new cheque book when your requisition slip appears next in the current cheque book.
  • For more details, please contact our Branch to serve you better.
 
 

CURRENT ACCOUNT

 
  • Current Accounts can be opened by individuals, partnership firms, private and public limited companies, HUFs /specified associates, trusts, etc.
  • As required by law, while opening this account, we satisfy ourselves about the identity, including verification of address, of a person(s) seeking to open an account to assist in protecting the right of customer(s) and ourselves against fraud and other misuses of the banking system.
  • We also require a satisfactory introduction of the person(s) opening the account by a person acceptable to the Bank and will require to obtain two recent photographs of the person(s) opening/operating the account, as per RBI directives.
  • You are required to give Permanent Account Number (PAN) or alternatively obtain declaration in Form No. 60 or 61 as per the Income Tax Act (vide Section 139A) from the person(s) opening the account (i.e. including partners of Registered/Unregistered partnership as also Registered / Incorporated bodies / companies).
  • We provide to our prospective customers details of the documents/required for identification of the person(s) opening the account in addition to a satisfactory introduction. Documents normally accepted are the current, gas/telephone/electricity bill/ration card/voter's identity card/driving licence/passport, etc.
  • Minimum balance as stipulated from time to time is required to be maintained and no interest is paid on credit balances kept in current account.

Services charges are levied for:

  • Ledger folio used
  • Cheque Books issued
  • Non-maintenance of minimum balance.
  • Return of cheques etc.
  • Other facilities as required by the Current Account Customer.

For opening special types of current accounts like for Executors Administrators, Trustees, Liquidators, etc., the Branch Manager may be contacted who will help in opening these type of accounts.

As per RBI directives, the applicant (i.e. account opener) should declare in the account opening form or separately that he is not enjoying any Credit facility with any Bank and if he does enjoy any facility/facilities he should declare full particulars therefore indicating the name of the Bank and name of the Branch, wherefrom he has availed these facilities.

TERM DEPOSIT ACCOUNTS

 
  • We have tailored various deposit schemes to suit the needs and expectations for investing in every walk of life, which are prominently displayed at our branches for your convenience. We welcome you to seek more details and shall also be glad to assist in the area of investment in various deposit schemes vis-a-vis your requirement.
  • Term Deposit accounts can be opened by individuals, partnership firms, private and public limited companies, HUFs/specified associates, etc.
  • As required by law, while opening this account, we 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 require a satisfactory introduction of the person(s) opening the account by a person acceptable to the Bank and will obtain two recent photographs of the person(s) opening the account, as per R.B.I. directives.
  • We also require to obtain Permanent Account Number (PAN) or alternatively obtain declaration in Form No. 60 or 61 as per the Income Tax Act (vide Section 139 A) from the person(s) opening the account.
  • Premature withdrawals are allowed, 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 15 days. For more details of interest rates, please contact our Branch Manager.
  • Generally loans/overdrafts against deposits are allowed, except on Certificates of Deposit (CD). Such loans are sanctioned by charging interest at rates directed by RBI from time to time or as prescribed by the Bank and automatic renewal of FDRs are also available. Interest on overdue deposit is paid, if the deposit is renewed, as decided by the Bank from time to time.
  • Interest on deposits is payable either monthly at discounted value or quarterly or compounded quarterly (i.e. reinvestment of interest) or on the date of maturity at the option of the depositor as applicable under particular deposit scheme.
  • Interest on Bank deposit is exempted from Income Tax upto a limit, specified by Income Tax authorities from time to time, as per Govt. norms.
  • We accept the declaration in Form No. 15 H preferably at the commencement of the Financial year for receiving interest on deposits without deduction of tax.
  • We issue TDS Certificate for tax deducted, within time schedule as per law.
  • Transfer of funds on maturity of terms deposits as well as periodical interest on such deposits to another branch of the Bank is done at par.
 

CAPITAL GAIN SCHEME - THE TAX SAVER SCHEME

 

Exemption of Capital Gain Tax under Section 54B, 54D, 54F and 54G of I.T. Act, 1961 is available on amount deposited under Account 'A' (Saving Deposit) and/or Account 'B' (Term Deposit) with option to keep deposit on cumulative or non-cumulative basis at Branches.

 

PAYMENT OF BALANCE IN ACCOUNTS OF THE DECEASED CUSTOMERS TO SURVIVORS / CLAIMANTS

 

As directed by the RBI, we do not insist on succession certificate from legal heirs in accounts having survivorship / nominee irrespective of amount involved.

STANDING INSTRUCTIONS

 

Standing instructions can be given to the Bank for transfer/remittance of funds from one account to other account(s) maintained in the same Branch, any other Branch of the bank or any other Bank or any other third party.

SAFE DEPOSIT LOCKERS

 

The facility of Safe Deposit Lockers is an ancillary service offered by our Bank. The Branches offering this facility will indicate/display this information at a prominent place.

The major aspects governing the services are :

  • A locker may be hired by an individual (not minor) firms, limited companies, specified associations and societies etc. except blind persons.
  • Nomination facility is available to individual hirer of Safe Deposit locker.
  • Loss of key should be immediately informed to the Branch and customer will be charged for break-opening of the Locker. Lockers are available in different sizes.
  • Lockers are rented out for a minimum period of one year as per bank's policy. In case of overdue rent, the Bank will charge penalty as decided from time to time.
  • With standing instruction, the rent may be paid from the deposit account of the hirer.
  • We will issue locker only to properly introduced persons.
  • We reserve our right to break open the locker if the rent is not paid inspite of giving notices as per the Bank rules and recover charges thereof.
 

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 stout and sealed with the customer's seal. Relationship of Banker and customer shall be that of Bailer & Bailee.

 

NOMINATION

 

Nomination facility is available for all deposit accounts, articles in safe custody and safe deposit vaults.

Nomination is available for accounts opened in individual capacity (i.e. single/joint accounts as well as accounts of a sole proprietary concern) only i.e. not for accounts opened in representative capacity.

Nomination can be done in favour of one person only. However, nomination in favour of more than one person (i.e. upto 2 persons) is permissible in jointly operated locker accounts with common consent.

Nomination can be made, cancelled or varied by the account holder anytime during his/her lifetime. While making nomination, cancellation or variation, witness is required and all account holders should sign the request.

Nomination can be made in favour of a minor also.

For the existing accounts, where nomination is not made, the account holder(s) can do so by filling up form available with the Branches.

Customers (new as well as existing) are requested to avail nomination facility, if they have not availed said facility so far.

 

PENSION PAYMENTS

 

Pensioners of Central and State Governments can open a separate pension account in any of our Branches.

Pensioners are requested to produce the 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.

EXEMPTIONS: Exemptions of minimum balance, incidental charges, withdrawal of pension by withdrawal form to the pensioner's dependent are available.

 

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 utilize the facility of Electronic Funds Transfer (EFT) System operated through RBI for transferring funds to and from Delhi, Kolkata, Chennai, Mumbai, Jaipur, Chandigarh, Kanpur, Patna, Guwahati, Ahemadabad, Bhuvneshwar, Nagpur, Hyderabad, Bangalore and Tiruvanantapuram, Upto Rs. 2 crores per remittance.

Demand Drafts, telegraphic and pay orders for Rs. 50,000/? and above will be issued by the Banks only by deposit to the Customer's account or against cheques or other instruments tendered by the purchaser and not against cash payment. Similarly such payments for Rs. 50,000/- and above will be made through banking channels and not in cash.

 

ISSUE OF DUPLICATE DEMAND DRAFT WITHOUT RECEIPT OF NON-PAYMENT ADVICE

 

As directed by the RBI, we will issue duplicate demand draft upto Rs. 5000/- on the basis of adequate indemnity and without obtaining Non-Payment Advice from the drawee Branch.

 

TIME FRAME FOR ISSUE OF DUPLICATE DRAFT

 

As directed by the RBI, we 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, we will pay interest at the rate applicable for fixed deposit of corresponding maturity in order to compensate the customer for such delay.

 

CASH ORDER (i.e. PAY ORDER, BANKER'S CHEQUE)

 

Cash Order is issued for making payment locally. Issue/payment of cash order for Rs. 50,000/- and above is to be made only through the Bank account. Validity period of cash order is 3 months. This can be revalidated by the issuing Branch on written request of the purchaser at nominal service charges.

 

CHEQUE COLLECTION SERVICE

 

Policy on collection of cheques payable locally

The Customer?s account shall be credited in respect of local cheques deposited at the counters / dropped in drop boxes within the time indicated for local clearing, on the same day when the bank?s account is credited in the clearing house. Each branch would specify its own cut-off time depending upon its working hours and distance from the clearing house. The branch shall permit usage of the shadow credit afforded to the customer accounts immediately after closure of relative return clearing, subject to usual safeguards.

Outstation Cheques

Time frame for affording customer's Account

Cheques to be collected at State Capital in 7 days, major Metropolitan centers in 10 days and at other centers in 14 days.

Policy of compensation on Delayed collection

The bank will pay interest to its customers on delayed collection as applicable on saving bank deposit for the delayed period beyond the prescribed period i.e 7/10/14 days as the case may be . Such interest shall be paid without demand from the customers in all types of accounts.

Procedure for handling the dishonoured cheques or lost in transit

In the event a cheque or an instrument accepted for collection is lost in transit or in clearing process or at the paying bank's branch, the bank shall immediately on coming to know of the loss , bring the same to the notice of account holder so that the account holder can inform the drawer to record stop payment and also take care that cheques, if any, issued by him/ her are not dishonored due to non- credit of the amount of the lost cheque / instruments. The bank would pay interest at saving bank rate if the notice of the cheque / instrument having been lost is given after the maximum prescribed period for the collection of outstation cheques i.e 7/10/14 days, as applicable. Such interest will be paid for the number of days the delay occurred in giving notice to the customer beyond these prescribed 7/10/14 days as applicable.

Force Majeure

The Bank shall not be liable to compensate customer for delayed credit if some unforeseen event (including but not limited to civil commotion , sabotage, lockout, strike or other labour disturbances , accident ,fires, natural disaster or other " Acts of GOD" , war damage to the bank's facilities or of its correspondent bank(s), absence of the usual means of communication or all types of transportation ,etc) beyond the control of the bank prevents it from performing its obligations within the specified service delivery parameters

Facility of Immediate credit of cheques sent for collection local and outstation.

The instant credit of outstation / local cheques are permitted only up to Rs. 5000/-, subject to usual safeguards as conveyed earlier for permitting such credit, which are as under

  • Bank should be satisfied about the proper conduct of the account of customer.
  • The Bank will extend the facility to all individual depositors without making a distinction about their status i.e Saving Bank , Current or Cash credit.
  • The Bank should not lay any separate stipulation for minimum balance for extending the facility.
  • The facility is also to be allowed to the customers at the Bank?s Extension Counters subject to usual precautions taken by the banks.
  • The handling charges for local cheques and outstation cheques will be as per Service Charges of the bank.
  • In case where the instrument of face value exceeding Rs. 5,000/- is received for clearing and the proceeds of the instrument are credited to the account, in whatever manner, in advance of the date or actual realization of the account, interest at the stipulated rate (in addition to the usual service charges prescribed by the Bank), shall also be charged for the period for which outlay of funds is involved.
  • If cheques / instrument for which immediate credit has been afforded is returned unpaid bank shall recover interest at clean overdraft rate for the period bank remained out of funds and recover prescribed cheque returned charges subject to the following
    • No interest will be charged to the customer for the period between the date of credit of the outstation cheque lodged and its return, unless the bank had remained out of funds on account of withdrawal of funds.
    • Bank will charge interest from the date of return of the cheque till reimbursement of money to the bank.
    • Where the cheque is credited to a Saving Bank Account ,no interest will be payable on the amount so credited if the cheque is returned.
    • If the proceeds are credited in overdraft / Loan account , interest would be recovered at applicable rate on the amount of returned cheque / instrument .

The salient features of the Bank?s policy with regard to the collection period of outstation cheques and interest payable in case of delay should be prominently displayed in each branch.

A copy of the complete policy shall be made available by the Branch Manager, if the consumers require the same for reading.

The salient features highlighting the rights of the consumers shall also be displayed on the notice board of each branch of the Banks.

Branches are advised to ensure that the cheques are collected within the given time frame so that bank is not required to pay any penal interest for delayed collection.

Zonal Managers are advised to ensure that each branch under their jurisdiction displays its own cut-off time for acceptance of cheques at the counters / deposited in drop ? Boxes for clearing on the same day on the Drop ? Box of the Branch / on the Notice Board. Besides Zonal Managers are to monitor and ensure compliance of above in all the branches under their jurisdiction.

 

COLLECTION OF GOVT. DUES

The Bank handles collection of various taxes, electricity, telephone bills on behalf of Govt. of India Public undertaking through selected designated Branches, which will be displayed at the Branch. We are collecting Direct Taxes presently through 209 authorized branches with group wise connectivity.

EXCHANGE OF SOILED/SLIGHTLY MUTILATED CURRENCY NOTES

We freely exchange soiled/slightly mutilated currency notes and certain other types of mutilated currency notes of all denominations.

The Nodal Officer for looking into customer related problems is Smt. A.J. Mary, Treasurer, Cash Department, RBI, Bakery Junction, Thiruvananthapuram.

You may also contact the following officials of issue Deptt. in person or telephone for redressal of grievances

 
S.No. Name of Official Designation Address Tel. No. Mail
1 Mr.Chandrababu DY. General Manager Issue Deptt Reserve Bank of India Bakery Junction Thiruvananthapuram-695033 0471- 2324218 Mchandrababu[at]rbi[dot]org[dot]in
2 N. Gopinathan Nair Asst.General Manager -do- 0471-2335724  
3 A.J. Mary Treasure Cash Deptt. Reserve Bank of India Bakery Junction Thiruvananthapuram-695033 0471- 2326803  

INTEREST ON DEPOSITS

For your convenience, the prevailing rates on deposits are displayed prominently at each branch, which are subject to revision from time to time.

SERVICE CHARGES

We provide various services to customers, for which service charges are levied. The charges are reviewed/revised from time to time.

NRI ACCOUNT & FOREIGN EXCHANGE FACILITIES

Our Bank has nine specialized International banking Divisions (IBDs) and 26 other Authorised Branches to handle Foreign Exchange Business. Besides this, we have a Global Banking Centre at Connaught Place, New Delhi to provide services to Non-Resident Indians with regard to deposit account.

We have various exclusive deposit schemes for Non-Resident Indians living abroad as well as returning back to India after their venture abroad.

These schemes are:

  • NRE, (Non-Resident External Account)
  • FCNR (Foreign Currency Non-Resident)
  • RFC (Resident Foreign Currency) Accounts, available for various durations from 6 months to 3 years as per RBI guidelines from time to time.
  • FCNR account can be opened in US Dollar, GB Pound and Euro. The account is maintained in foreign currency and the risk of exchange rate fluctuation is borne by the bank.

The IBDs and authorized branches cater to the needs of exporter and importer clients for various services such as

  • Providing fund based finance for exports at concessional rate of interest at pre-shipment as well as post-shipment stage.
  • Providing non-fund based facilities i.e. opening of import letter of credit to enable import of raw materials and machinery, issue of bank guarantees, etc.
  • Negotiation of export bills under letter of credit.
  • Collection of export/import documents.
  • Advising of letter of credit with or without adding conformation.
  • Remittance of funds through SWIFT, foreign currency drafts, etc.
  • Issue of Traveler Cheques, foreign currency notes within the framework of exchange control guidelines.
  • The Bank also grants loan against the security of deposits receipts of NRIs.

We have a network of correspondent banks across the Globe in almost all the major foreign currencies.

 

OUR SPECIALISED BRANCHES

Name and addresses of all our specialized branches are given in Schedule-VII at the last.

OCHECK LIST REQUIREMENTS FOR AVAILING DIFFERENT CREDIT FACILITIES

The requirements for availing different credit facilities from the Bank are given in Schedule-V at the last.

CREDIT FACILITIES TO AGRICULTURISTS

Zamindara Credit Card, KVIC, Financial Assistance against old Tractors & Other consumer facilities for Agriculturists are available at our Rural/Semi Urban Branches.

IMPORTANT LOAN SCHEMES OF THE BANK

We have the attractive loan schemes suitable to different segment of customers. The details of important loan scheme of our bank are given in Schedule-IV at the last.

CONSUMER CREDIT

We assist our customers to uplift the standard of their living, you may increase your purchasing power by availing consumer credit facilities at all our Branches to purchase Television, VCR, VCP, VCD, DVD, Stereo, Washing Machine, Refrigerator, Air-Conditioner, Microwave Oven, Dish Washer, Cooking Range, Genset, Invertors, Computer, etc., at very low margin of 10% only. An individual can club his/her income with that of his/her spouse to avail higher amount of loan. The group of employees working in an Institution/Organization in private/Public Sector undertaking can also avail loan on very attractive terms.

HOUSING LOANS

To build your dream house, please avail Housing Loan at attractive rates from our Branches/Housing Finance Branches in selected cities. The list of our Housing Finance branches is given in Schedule-VI at the back.

THE WORKING HOURS FOR THE PUBLIC FOR ALL THE BRANCHES / EXTENSION COUNTERS OF THE BANK HAVE BEEN EXTENDED BY ONE & A HALF HOURS EXCEPT SATURDAYS OR ANY OTHER WORKING DAYS WHICH HAVE BEEN DECLARED AS "HALFDAY" THE WORKING HOUR HAVE BEEN EXTENDING BY ONE HOUR.

THE TIME FOR DISPOSAL OF LOAN PROPOSAL

The time frame for disposal of credit proposal is given as under:

B.O. Level Z.O. Level

  • Fresh/Enhancement Proposal10 days 10 days
  • Renewal/Reviewal Proposal 07 days 07 days
  • Adhoc 05 days 03 days

ISSUE OF IDENTITY CARDS TO CUSTOMERS HAVING CURRENT/CASH CREDIT ACCOUNTS

Identity Cards valid for one year are issued to those having Current/Cash Credit Accounts as well as to their authorised representatives at a fee of Rs. 100/-.

VALUE-DATING OF MAIL/TELEGRAPHIC TRANSFER

Credit is given for Mail Transfer within seven days (ten days in the case of North-Eastern States) from the date of deposit of funds.

Telegraphic Transfers issued from and payable at State Capitals and Centres having population above 12 lakhs will be value-dated from third day.

In case of delays, Bank will pay interest at the rate applicable on Saving Bank Deposit for the period of delay.

PAYMENT OF INTEREST ON DEPOSIT MATURING ON A HOLIDAY

When due date of a term deposit happens to be a holiday or a non-business working day, then you are paid interest for the intervening holiday/non-business working day.

CONCESSIONS TO RELIGIOUS, WELFARE, SERVICE, CHARITABLE INSTITUTIONS

Collection of instruments favouring religious, welfare, service and charitable institutions is done at par. Issue of drafts, pay orders, mail/telegraphic transfers of these institutions is done at par. However, postage is recovered, institutions exempted from payment of Income Tax are only eligible.

CONCESSIONS TO DEFENCE PERSONNEL

Concessions are extended to Defence Personnels in active service only. Collection of outstation cheques/drafts, etc., as well as issue of drafts, pay-orders, mail-telegraphic transfers in their account is done at par but postage is recovered.

CONCESSION TO BLIND, PHYSICALLY HANDICAPPED, DISABLED INDIVIDUALS AND INSTITUTIONS SET UP FOR THEIR BENEFIT

Institutions set up for the benefit of blind, physically handicapped and disabled individuals are allowed, collection of up-country instruments at par. Similarly, payments made by these institutions to their own beneficiaries by way of drafts, pay orders, mail/telegraphic transfers are allowed, free of charge. However, postage cost is recoverable. These institutions to be eligible for concessions should be exempted from levy of Income Tax.

The individual accounts of the above categories of persons are identified by the Branch Managers at the time of opening the accounts, banking services such as issue of drafts, pay orders, mail/telegraphic transfers are rendered to the debit of the personal account only and not against Cash, Postage expenses are however recovered separately.

SENIOR CITIZENS

Additional Interest and Incentives are available for Senior Citizens. The Bank has special schemes for the Senior Citizens, As of now, the Bank is offering extra rate of interest of 0.50% as applicable on different maturity. They can also avail free facility of collection / remittance of funds upto certain limit, latest details are available with the branches of the Bank.

FREE CHEQUE BOOKS

For Saving Bank Accounts of individuals' one chequebook of 20 leaves free of charge in a calendar year shall be supplied. A service charge @ Rs. 2/- per leaf shall be levied for cheque books supplied over and above the aforesaid limit. Service charges are subject to change without notice.

CORRUPTION FREE SERVICE

We will provide all the services and honour the commitment to the clients without payment of any bribe.

TRANSFER OF ACCOUNTS IN THE BANK

If deposit account is transferred within the bank from one Branch to another and there is continuity in the account, then interest is payable for the transit period as well.

WE HAVE 80 FULLY COMPUTERIZED BRANCHES & 811 PARTIALLY COMPUTERIZED BRANCHES OUT OF TOTAL NO OF 891 BRANCHES. IN ADDITION TO ABOVE 7 SERVICE BRANCHES (RCCs) ARE ALSO FULLY COMPUTERIZED.

FAIR BANKING PRACTICES

We request you as our customers to please note the following duties to enable us to serve you better.

  • 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 are 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 Saving Bank account through withdrawal slip. Get pass book updated from time to time.
  • Use nomination facility in all deposits accounts & locker facility.
  • Note down account numbers, details of FDR, locker numbers, etc., separately.
  • Inform change of address, telephone number etc., to the Branch.
  • Inform loss of demand draft, fixed deposit receipt, cheque leave(s) /book, key of locker, etc., immediately to the Branch.
  • Avail standing instructions facility to repeat transactions.
  • Provide feedback on our service.
  • Pay interest, installments, locker rent and other dues on time.
  • Avail services such as ATM, EFT, etc., if offered by the branch.
  • Bring any deficiency in services to the notice of the Branch Manager.
  • 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.
  • Not to bribe any staff member, to avail corruption free service.

REDRESSAL OF COMPLAINTS/GRIEVANCES

"Customer Day” is observed at all the Offices of the Bank across the Organization covering Branches, Zonal Offices and Head Office on 15th of every month ( next day, if 15th is a holiday). On this day, any customer can meet Senior/ Top Executives of the Bank, including Chairman & Managing Director without prior appointment.

In case of any complaint, the matter may first be brought to the notice of concerned Branch Manager for immediate redressal. If the complaint is not redressed to the satisfaction of the customer, the matter may be taken up with the Zonal Manager.

If the complainant still feels unsatisfied with the response received, he can address his complaint giving full detail of the case to Bank's Nodal Officer at Head Office designated to deal with Customers' Complaints/ Grievances. The customer can lodge/ track complaint online at the link “ Complaint registration” on Bank's website.

Internal Ombudsman

The Bank shall examine the grievances as per the Internal Grievances Redressal Mechanism and in case the Bank decides to reject a complaint or decides to provide only partial relief to the complainant, it shall escalate such cases to the Internal Ombudsman ( IO) for further examination.

Reply to the complainant on receipt of comments of the IO shall be addressed primarily by the Bank mentioning explicitly that the complaint has also been examined by the IO. Only under such circumstances, where a resolution has been made by agreement by the IO with a complainant and the IO has obtained the resolution in writing signed by the complainant and furnished to the Bank for records, a reply to the complainant would be issued by IO on behalf of the Bank, with an endorsement to the Bank. To ensure such agreement, if the IO feels the requirement of direct feedback/ clarifications from the complainant, IO can interact/ meet the complainant.

If still not satisfied, the customer is free to take recourse to the followings:

  • Office of the Banking Ombudsman located in State Capitals under RBI Ombudsman Scheme, 2006.
  • Directorate of Public Grievances, Govt. of India, Cabinet Secretariat, Sansad Marg, New Delhi.
  • Distt. Consumer Forum, under Consumer Protection Act, 1985,

GRIEVANCE REDRESSAL MECHANISM, IN RESPECT OF WILLFUL DEFAULTERS

The Bank has formed two committees of higher functionaries for redressal of the grievances of the defaulting borrowers.

  • Before classifying any borrowers as willful defaulter their loan case will be reviewed by the committee. The borrowers are then advised the reason for classifying them as willful defaulter.
  • The second committee has been formed in respect of Grievance Redressal Mechanism which is headed by CMD and includes two other General Managers. The concerned borrowers are provided a reasonable time of 15 days for making representation against bank's such decision for declaring them Willful defaulters.
 

SCHEDULE-I

In case any clarification is required on matters relating to customer service as given in Citizens' Charter and for all complaint against working of branches, please contact the followings:

REDRESSAL OF GRIEVANCES OF CUSTOMERS

In case of complaints related to Corruption/Bribe etc. same can be sent to

The Chief Vigilance Officer
Punjab & Sind Bank ,” Bank House”
Head Office Vigilance Department,
3rd Floor, 21, Rajendra Place,
New Delhi-110008.
Contact Nos. 011-25737321 & 011-25818411.

In case of complaints related to ATMs only, the same can be sent to:

GRIEVANCES REDRESSAL CELL - ATM

Name : Sh. Mukesh Kumar 
Designation – Senior  Manager
Punjab & Sind Bank, “Bank House”
HO. ATM Cell
2nd Floor, 21, Rajendra Place, New Delhi
Telephone : 011-64780502, 011-25725635
Email : atmcell[at]psb[dot]co[dot]in, atm[dot]operations[at]psb[dot]co[dot]in

In case of complaints related to pension only, the same can be sent to:

GRIEVANCE REDRESSAL CELL – PENSION

Name: Smt. Kushum Malhortra
Designation: Chief Manager
Punjab & Sind Bank,
HO. Pension Cell
A25, First Floor Community centre
Jawala Heri, Paschime Vihar, New Post Office, 110063
Telephone No:011-25281210, 25271585
Email: cppc[at]psb[dot]co[dot]in

PRINCIPAL NODAL OFFICER FOR REDRESSAL OF COMPLAINTS

The General Manager (Inspection),
Punjab & Sind Bank, "Bank House",
4th Floor, 21, Rajendra Place, New Delhi.
Tel No.011- 25757227 (Office)
Mobile No.- 09999864794
Email: gminsp[at]psb[dot]co[dot]in
Toll Free No. 1800 11 1908

THE ZONAL MANAGER IS A DESIGNATED NODAL OFFICERS FOR PUBLIC GRIEVANCES AT ZONALOFFICES

The address of the Zonal Offices is given in Schedule-III.

For Staff Matters

General Manager (Personnel)
Punjab & Sind Bank, Bank House, 21 Rajendra Place, 5th Floor
New Delhi-110 008. Phone : 25817353

For all Advances & Export Credit

General Manager (Advances) Punjab & Sind Bank, Bank House, 21 Rajendra Place,
New Delhi-110 008. Phone : 25783589

Other official who can be contacted

Deputy General Manager (Planning & Development)
Punjab & Sind Bank, Bank House, 21 Rajendra Place,
New Delhi-110 008.

Chief Host

The Customer Service Division,
Punjab & Sind Bank, Bank House, 21 Rajendra Place,
New Delhi-110 008.

Chief Host

The Customer Service Division,
Punjab & Sind Bank, Bank House, 21 Rajendra Place,
New Delhi-110 008.

 

SCHEDULE-II

 

Name, Address and Area of Operation of Banking Ombudsman

 
Centre Contact details of the Office of Banking Ombudsman Area of Operation
Ahmedabad Shri Sunil T. S. Nair
C/o Reserve Bank of India
La Gajjar Chambers, Ashram Road,
Ahmedabad-380 009
STD Code: 079
Tel.No.26582357/26586718
Fax No.26583325
email: bogujarat[at]rbi[dot]org[dot]in
Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu
Bangalore Ms. C R Samyuktha
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bengaluru -560 001
STD Code: 080
Tel.No.22210771/22275629
Fax No.22244047
email: bobangalore[at]rbi[dot]org[dot]in
Karnataka
Bhopal Ajay Michyari C/o Reserve Bank of India
Hoshangabad Road,
Post Box No.32, Bhopal-462 011
STD Code: 0755
Tel.No.2573772/2573776
Fax No.2573779
email: bobhopal[at]rbi[dot]org[dot]in
Madhya Pradesh and Chattisgarh
Bhubaneswar Shri B.K. Mishra
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001
STD Code: 0674
Tel.No.2396207/2396008
Fax No. 2393906
email: bobhubaneswar[at]rbi[dot]org[dot]in
Orissa
Chandigarh Shri Sanjay Bhatia
C/o Reserve Bank of India
New Office Building
Sector-17, Central Vista
Chandigarh-160 017
STD Code: 0172
Tel.No.2721109/2721011
Fax No. 2721880
email: bochandigarh[at]rbi[dot]org[dot]in
Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana.
Chennai Shri K Chandrachoodan
C/o Reserve Bank of India
Fort Glacis, Chennai 600 001
STD Code: 044
Tel No.25399170/25395963/ 25399159
Fax No. 25395488
email: bochennai[at]rbi[dot]org[dot]in
Tamil Nadu, Union Territories of Puducherry (except Mahe Region) and Andaman and Nicobar Islands
Guwahati Shri Anand Prakash
C/o Reserve Bank of India
Station Road, Pan Bazar
Guwahati-781 001
STD Code: 0361
Tel.No.2542556/2540445
Fax No. 2540445
email:boguwahati[at]rbi[dot]org[dot]in
Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura
Hyderabad Dr. N. Krishna Mohan
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad,Hyderabad-500 004
STD Code: 040
Tel.No.23210013/23243970
Fax No.23210014
email:bohyderabad[at]rbi[dot]org[dot]in
Andhra Pradesh and Telangana
Jaipur Shri R. Giridharan
C/o Reserve Bank of India,
Ram Bagh Circle,
Tonk Road, Post Box No.12,
Jaipur-302 004
STD Code: 0141
Tel.No.5107973/5101331
Fax No.0141-2562220
email:bojaipur[at]rbi[dot]org[dot]in
Rajasthan
Kanpur Shri A. K. Naskar
C/o Reserve Bank of India
M.G. Road, Post Box No.82
Kanpur-208 001
STD Code: 0512
Tel.No.2306278/2303004
Fax No.2305938
email:bokanpur[at]rbi[dot]org[dot]in
Uttar Pradesh (excluding Districts of Ghaziabad and Gautam Buddha Nagar) and Uttarakhand
Kolkata Dr. Smt. S. Chattopadhyay
C/o Reserve Bank of India
15, Netaji Subhash Road
Kolkata-700 001
STD Code: 033
Tel.No.22306222/22305580
Fax No.22305899
email:bokolkata[at]rbi[dot]org[dot]in
West Bengal and Sikkim
Mumbai Smt. R. Sebastian
C/o Reserve Bank of India
Garment House, Third Floor,
Dr. Annie Besant Road,
Worli, Mumbai-400 018
STD Code: 022
Tel.No.24924607/24960893
Fax No. 24960912
email:bomumbai[at]rbi[dot]org[dot]in
Maharashtra and Goa
New Delhi Shri K K Saraf
C/o Reserve Bank of India,
Sansad Marg,New Delhi
STD Code: 011
Tel.No.23725445/23710882
Fax No.23725218
email:bonewdelhi[at]rbi[dot]org[dot]in
Delhi, Jammu and Kashmir and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh, Haryana (except Panchkula, Yamuna Nagar and Ambala Districts)
Patna Smt. Smita Chandramani
C/o Reserve Bank of India,
Patna-800 001
STD Code: 0612
Tel.No.2322569/2323734
Fax No.2320407
email:bopatna[at]rbi[dot]org[dot]in
Bihar and Jharkhand
Thiruvananthapuram Smt. Uma Sankar
C/o Reserve Bank of India
Bakery Junction
Thiruvananthapuram-695 033
STD Code: 0471
Tel.No.2332723/2323959
Fax No.2321625
email:bothiruvananthapuram[at]rbi[dot]org[dot]in
Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).
 

Schedule-III

Address of zonal offices

 
S.No Zone Zonal Manager Address Mobile Number Phone Fax E-Mail
1 AMRITSAR SH.BALBIR SINGH Hall Bazar , Chowk Phawara, Amritsar 9781402101 0183-5057500, 2545097 (1083) 2553904 zo[dot]amritsar[at]psb[dot]co[dot]in
2 BAREILLY SH.VINOD KUMAR PANDEY-AGM Gagandeep Complex, 148 Civil Lines, Bareilly 98370-52766 0581-2510513 (0581) 2421137 zo[dot]bareilly[at]psb[dot]co[dot]in
3 BHATINDA SH. HARVINDER SINGH 100 Ft Road, Civil Station. Bhatinda-Punjab Pin Code: 151001 8146499003 0164-5011901 (0164) 2222165 zo[dot]bhatinda[at]psb[dot]co[dot]in
4 BHOPAL श्री विनय कुमार महरोत्रा - उप - महाप्रबंधक 186, Zone 2, MP Nagar, Bhopal 462011 9999844346 0755-4243700/ 0755-4249988/0755-4203836 (0755) 2557459 zo[dot]bhopal[at]psb[dot]co[dot]in
5 CHANDIGARH SH.AMARJIT SINGH GUJRAL SCO 79-81, Bank Square, Sec-17B, Chandigarh 9888384388 0172-5006780 (0172) 5046935 zo[dot]chandigarh[at]psb[dot]co[dot]in
6 CHENNAI SH.D.KANNAN Ist Floor, 770A, Anna Salai, Chennai 9840346451 044 28492888, 04428491935 (044) 28524037 zo[dot]chennai[at]psb[dot]co[dot]in
7 DEHRADUN SH.D.D.NEGI 30, I & s Building, Mohabbewala, Saharanpur road, Dehradun - 248002 9837094677 0135-2642490 (0135) 2653152 zo[dot]dehradun[at]psb[dot]co[dot]in
8 Delhi I SH.PRAVEEN KUMAR-DGM Sidhartha Enclave,Ashram Ckowk, New Delhi - 110014 98180-12306 011-26346434 (011) 26347410 zo[dot]delhi1[at]psb[dot]co[dot]in
9 Delhi II SH.LACHHAMAN SINGH-DGM Second floor, 38 / 39 Industrial Area, Naraina- Phase - I New Delhi 110028 98739-13484 011 25897833, 65980621 (011) 25897836 zo[dot]delhi2[at]psb[dot]co[dot]in
10 FARIDKOT SH. JATINDER KUMAR Red Cross Bhawan, Sadiq Chowk, Faridkot - 151203. 9872231663 01639-250375 (01639) 252288 zo[dot]faridkot[at]psb[dot]co[dot]in
11 Gandhi Nagar Sh.Gajraj Devi Singh Thakur Z.O.Gandhi Nagar,Unit No.4, 3rd Floor, Gift Tower One, Gift City, Gandhinagar, Gujarat 382355 9425488735, 9039088735 0796-6740208 zo[dot]gandhinagar[at]psb[dot]co[dot]in
12 GURDASPUR SH.LAKHBIR SINGH 435/7,Civil Lines, Gurdaspur - 143521 9501043887 01874-500379 (01874) 221086 zo[dot]gurdaspur[at]psb[dot]co[dot]in
13 GURGAON MS.RASMITA KWATRA-AGM Zonal Office Gurgaon , Punjab and Sind Bank Institutional Plot 151, Sector -44 , Gurgaon, Haryana - 122003 Phone Number: 0124-2544153,154, 156 98996-53273 0124-2544157 (011) 26452592 ZO[dot]GURGAON[at]psb[dot]co[dot]in
14 GUWAHATI SH.NALIN KUMAR HAZARIKA 42, MG Road, Uzan Bazar, Guwahati -781001 9864020733 3612604627, 03612512186 (0361) 2540103 zo[dot]guwahati[at]psb[dot]co[dot]in
15 HOSHIARPUR SH.KARAMJIT SINGH SCO-23 1st & 2nd Floor, Sant Harchand Singh Longowal Nagar, Chandigarh Road, Hoshiarpur, Punjab – 146 001 9780260630 001882-502372 zo[dot]hoshiarpur[at]psb[dot]co[dot]in
16 JAIPUR SH.RS BAKSHI 30-31, Mohan Tower, Prince Road, Vidyut Nagar, Ajmer Road, Jaipur, Rajasthan- 302021 9828038291 0141-2359352 zo[dot]jaipur[at]psb[dot]co[dot]in
17 JALANDHAR SH.RANBIR SINGH Model Town, Jalandhar -144002 9833556405 0181-5015600/ 0181-5015614 (0181) 2274137 zo[dot]jalandhar[at]psb[dot]co[dot]in
18 KARNAL SH.GOPAL KRISHNA Gurudwara Singh , Sabha Building, Model Town, Karnal Haryana, Pin-132001 9582748665 0184 2269202 0184-2269204 zo[dot]haryana[at]psb[dot]co[dot]in
19 KOLKATA SH.KAMESH SETHI-DGM 14/15, Old Court House Street, Kolkata - 700001 98300-14432 033-22101673 (033) 22485873 zo[dot]kolkata[at]psb[dot]co[dot]in
20 LUCKNOW SH.VIJAY KUMAR-AGM 8,Jwaladevi Building,Lalbagh, Lucknow - 226001 98390-66415 0522-4012833 (0522) 2221337 zo[dot]lucknow[at]psb[dot]co[dot]in
21 LUDHIANA SH. AMOLAK SINGH Bhai Bala Chowk, 5th floor, Noble Enclave, Ludhiana - 141001 9868846334, 9878617756 0161-5068000 (0161) 2406017 zo[dot]ludhiana[at]psb[dot]co[dot]in
22 MUMBAI SH.SANJIVA SRIVASTAVA Mumbai Fitwell House, L.B.S. Marg, Vikhroli(West), Mumbai - 400083 9867086699 022-22626121 (022) 25771618 zo[dot]mumbai[at]psb[dot]co[dot]in
23 NOIDA SH. BALDEV RAJ First Floor 1-A , Block C ,Sector 63 Noida(U.P) Pin 201307 9599810033 0120-4314044 zo[dot]noida[at]psb[dot]co[dot]in
24 PATIALA SH.BPS KANWAL Rajbaha Road, Patiala - 147001. 7347451108 0175-5030800 (0175) 2215427 zo[dot]patiala[at]psb[dot]co[dot]in
25 VIJAYAWADA SH SVM Krishna Rao Zonal Office, Punjab & Sind Bank, HNo. 54 -15-4C, 4th Floor, RK Galleria, Ring Road, Srinivasanagar Bank Colony, Near Health University, Vijayawada -520010 9910301967 zo[dot]vijayawada[at]psb[dot]co[dot]in
 

SCHEDULE-IV

IMPORTANT LOAN SCHEMES OF THE BANK

1. Credit Facilities for Agriculturists : There are number of credit schemes for farmers which are liberally available to our rural and semi urban branches. The Bank has very attractive Kisan Credit Card Scheme for meeting the credit needs of the farmers with provision of personal accident insurance coverage of KCC holders.

The Bank has introduced a unique P&S Bank Diamond Krishi Card (DKC) Scheme to provide more credit and better facilities to A Class farmers.

For tractor financing Bank has made TIE-UP arrangement with Punjab Tractor, Eicher Tractor, Bajaj Tempo and Escorts whereby borrower gets incentives.

 

Besides, there are schemes for

 
  • Purchase of agriculture land for small, marginal borrowers and agricultural labourers.
  • Purchase of new/old tractors, farm machinery.
  • Composite loan scheme Kheti Udyog Khazana Yojana.
  • Purchase of Harvestor Combine.
  • Purchase of Two Wheelers by the farmers.

Bank has introduced a Joint Mortgage deed for the convenience of farmers to facilitate availment of agriculture loans without having to execute the deed every now and then.

 

Small Scale Industries : We extend credit to SSI for meeting financial requirements for purchase of machinery and equipment, for construction of building, for working capital requirements. There is provision of collateral free credit upto Rs. 25.0 lac to SSI units which are covered under credit guarantee fund trust scheme. Upfront Guarantee fee under this scheme is borne by the bank for credit facilities up to Rs. 2.0 lac.

LUCC/KVIC Scheme : The bank encourages landing under KVIC Scheme and other Govt. sponsored schemes. We have introduced LAGHU UDYAMI CREDIT CARD SCHEME (LUCC) for working capital loan upto Rs. 10.0 lac to our existing eligible borrowers under SSI, Retail Trade and small business/Self employed persons under priority sector.

ACC Scheme :Under Artisans credit card scheme hassle free credit facility upto Rs. 2.0 lac is provided to artisans for their investments needs as well as working capital requirement.

Housing Finance: We have very liberal policy for housing finance to the members of the public. Special Scheme have been floated for Govt./PSU employees, Professional and self employed persons, as also for general public for construction, purchase and renovation/repair of houses/flats. For Govt./PSU employees no processing charges are taken.

Car Loan: Under this scheme a borrower can get a loan to buy a car on very attractive terms for personal use. An individual can club his/her income with that of his/her spouse to avail higher loans. Minimum formalities, simple paperwork and effortless procedure are the main attraction of this scheme.

Professional Loan : A loan for professional like Doctors, Engineers, Chartered Accountants, Lawyers, Architects, etc., to meet their professional needs is given. One can avail loan for purchase of all types of medical equipments, machineries, items to start clinics, acquiring or renovating business premises, air conditioners, generators, refrigerators, computers, etc.

Educational Loan : To encourage the youth in attaining expertise in educational and professional fields, our bank is making available finance upto Rs. 7.50 lac for studies in India and upto Rs. 15.0 lac abroad. Bank has formulated a revised education loan policy whereby education loans upto Rs. 7.50 lac are granted without collaterals and with third party guarantee only. For education loan upto Rs. 4.0 lac rate of interest is charged [at]11.0% p.a. and no margin is required.

Loan against own Deposit/Govt. Securities : We offer loan against bank's own deposit and Govt. Securities like NSCs, IVP/KVC, etc., for personal use or business purpose. A margin of 25% is to be maintained on the principal investment.

Personal Clean Loan Facility : We offer personal clean loan facility to officials of Govt. and Public sector undertaking, local bodies, reorganised universities and schools run by Govt./Local bodies with confirmed service of at least 5 years. The loan amount ranging from Rs. 50000/- to Rs. 1.0 lac can be availed for purchase of consumer durables or for any consumption/personal use or purchase of vehicle, etc.

Clean Loan Scheme for retired personnel/pensioners : Who have retired from Central/State Govt. or any PSU and should be drawing his/her pension through our bank. The age of pensioners should not exceed 70 years at the time of applying of loan. The loan upto 10 times the monthly pension subject to maximum of Rs. 1.0 lac can be granted for any personal need without collateral. However, guarantee of the family pension nominee or major son of a third party acceptable to the bank is to be obtained.

ODP Scheme for traders/retailers : Under this scheme credit is available to traders/retail traders who are in business for at least 5 years. The loan/limit to the extent of 50% of the property offered as security subject to a maximum of Rs. 15.0 lac. No stock statement/No bills required by the bank.

Loan against rent receivables : We offer this scheme to land lords/owners of commercial, residential property who have rented their premises to Govt. Deptt./PSUs/Pvt. Ltd. Cos./MNCs/Embassy or any other organization of repute. Loan to the extent of 80% of rent receivable during the period of tenancy or 60 months whichever is lower, less income tax payable and any other local tax/maintenance charges to be paid by tenants. Amount of credit should not exceed 40% of the market value of the property to be mortgaged.

ODP Scheme for Contractors : Who are registered and are income tax payee, having minimum three years of experience in his business (Contractorship), credit upto Rs. 25.0 lac can be extended subject to a maximum of 50% of the value of contracts in hand against the mortgage of property valuing at least double the amount of ODP Limit.

Festival Loan Scheme : Under festival loan scheme clean loans are granted upto Rs. 1.0 lac to meet special expenditure for festival celebration such as furnishing of house/shop/office, consumer goods, personal expenditure.

Udyogini Scheme : Under udyogini scheme credit facilities are granted to women entrepreneurs to avail the loans on liberal terms and exclusive catering of credit under Direct agriculture activities. Tiny SSI sector, business enterprises, Retail traders, Professional and self employed, etc.

Club Loan Scheme : Under club loan scheme employees of reputed clubs in metropolitan/urban centres are granted credit facility for purchase of consumer items/for personal use

Further loan applications of Education, Housing, Agriculture, SHGs, SSI have been simplified and revised for the benefits of borrowers.

Golden Jubilee Rural Housing Scheme (GJRHS) : Under this scheme, borrower residing in rural/semi urban areas can avail loan (i) upto Rs. 5 lac for construction of new house and (ii) Rs. 3 lac for repair/upgradation of existing house (iii) Maximum period for repayment is 15 years against mortgage of property or other security such as LIC Policy, Govt. Promissiory Note, share/debentures, gold ornaments or any other security.

Swarnjayanti Shahri Rozgar Yojana (SJSRY): To be eligible under this scheme (i) a person with an annual family income of less than Rs. 11859/ as per 1991-92 prices and (ii) should not be defaulter to any nationalized bank & financial institution/Co-op. Bank. The loan is given for any town services requiring special skills. Maximum unit cost Rs. 50000/-.

Swaranjayanti Gram Swarozgar Yojana (SGSY): Under this scheme, the persons below the BPL level such as rural poor land, land less educated unemployment, rural artisans, disabled handicapped, SHGs consisting of 10 to 20 members can be benefited. The amount of loan is given as per cost prescribed by NABARD. Repayment of loan in 5 to 9 years.

Prime Minister Rozgar Yojana (PMRY): The objective of the scheme is to provide sustained employment to educated unemployed urban youth in micro enterprises. These enterprises will cover manufacturing, service & business ventures. The borrower age should be 18 to 35 years and for SC/ST/OBC/Women/Ex-serviceman/Physically handicapped/disabled Maximum age 45 years. Loan can be given upto Rs. 1 lac for business and Rs. 2 lac for manufacturing industry. In case of group maximum Rs. 10 lacs (each member should be individually eligible). The repayment period is 3 to 7 years. Govt. subsidy in the project is limited to maximum 15%.

Differential Rate of Interest (DRI) Scheme: This scheme is to assist poorest of the poor so as to bring them above BPL. The eligibility criteria for allowing loan is as under:

  • Individual whose family income does not exceeds Rs. 6400/- P.A. in rural areas and Rs. 7200/- p.a. in semi urban areas
  • Individual whose land holding does nto exceed 1 acre of irrigated and 2.5 acres of unirrigated land,
  • SC/ST/Physically handicapped persons/indigent students
  • Orphanages and women's home
  • State owned corporation/co-operative societies including state corporation for SC/STs
  • Coperative societies, large and adivasis multi purpose, co-op. societies for tribal areas (LAMPS)
  • People engaged in cottage and rural industries. Maximum loan upto Rs. 6500/- as term or working capital or both for productive purpose, in addition to advance Rs. 5000/? for purchase of artificial limbs/Braille typewriter. Rate of interest 4% p.a. simple.

Scheme of Liberation Rehabilitation of Scavengers (SLRS): The main objective of the scheme is to assist eligible families living in urban & Rural areas identified by local bodies by providing alternative, viable trade/occupation to each scavenger & dependents. Bank gives loan to persons who have completed 18 years of age on the date of application Maximum bank loan Rs. 32000/- on a project of Rs. 50000/- The scheme covers 50% subsidy with a ceiling of Rs. 10000/.

Khadi & Village Industries Commission (KVIC) Margin Money Scheme : KVIC formulated this scheme for accelerated rural industrialization and rural employment generation. Assistance is available for any village industry projects set up in rural areas (except Khadi & Polyvastra projects). Any viable village industry must fulfil the following four stipulations of the scheme i.e. Village Industry, Rural Area, Per Capita Fixed Investment & Own contribution per capita fixed investment, prescribed by KVIC is Rs. 50000/- i.e. by every Rs. 50000/- investment, one job to be created. Loan Limit is Rs. 25 lacs, loan can be availed by individual proprietary entrepreneurs firms/Trusts/SHGS/ Companies registered under companies act.

 

COMMITTEE ON PROCEDURE AND PERFORMANCES AUDIT ON PUBLIC SERVICES (CPPAPS) AND CUSTOMER SERVICE COMMITTEE OF BOARD

 

An Adhoc Committee on procedures and performances Audit on Customer Services has been constituted in our bank, which is chaired by Executive Director, three General Managers and also include non-officials from Customers as its members to enable an independent feedback on the quality of Customer Service rendered by the bank.

The Adhoc Committee has been entrusted not only the task of ensuring timely and effective implementation of the RBI instructions, but also that it receives the necessary feedback to determine that the action taken by various departments of the bank are in tune with the spirit and intent of such instructions. Further it is reviewing the practice and procedures prevalent in the bank and take necessary corrective action, on an ongoing basis.

A brief report on the performances of the Adhoc Committee indicating inter-alia, the areas reviewed, procedures/practices identified and simplified/introduced are being submitted periodically to the customer services committee of the Board on customers which is the apex committee of the bank with Chairman and two directors as its members.

Salient action already taken by the Bank on the recommendations of CPPAPS and Bank's Adhoc Committee are briefed as under:

  • Cheque Drop Box Facility: Branches are providing the Customers both the Cheque drop box facility and the facility for acknowledgment, if the customer tenders the cheque at the counters. The rights of the customer to obtain an acknowledgment is not being deprived by the concerned counter.
  • Issue of Cheque books: Branches have been advised to stop the unfair practice of if being followed, to send the cheque books by courier and also obtaining undertaking from the borrowers for not being liable if there is any loss. They have also being advised not to charge for the courier charges for such dispatches.
  • The Statement of Accounts/Pass Books: The Branches are providing as much detail as possible in respect of entries relating to clearing/ECS/Electronic fund Transfer etc. Therefore, they have been advised to avoid such inscrutable entries in Pass Book/statement of accounts and ensure that brief, legible particulars are invariably entered in Passbooks/Statement of account. Further, branches are instructed to ensure that they adhere to the monthly periodicity prescribed while sending statement of account.
  • Maintenance of Minimum balance in Saving Bank/Current accounts and service charges thereof: Branches are advising the customers at the time of opening of the account about the requirement of maintaining the minimum balance in the account and levying of charges, if prescribed minimum balances are not maintained. Further, all the revised charges are to be made effective with at least one month notice to the customers.
  • Currency Management : The clean Note Policy of the RBI has been implemented in toto in our bank. The branches are being provided note counting and note banding machines as per the requirement.
  • Exchange Control Matters: Our Adhoc committee has simplified the format of some of the forms relating to foreign exchange transactions as per recommendations of the RBI. The newly developed forms are:
    • R-Returns (NOSTRO)
    • R-Returns (VOSTRO)
    • New purpose codes for Forex transactions.
    • Form A2 cum declaration (Under FEMA-99)
    • Form for purpose code to be used by banks.

Further the limit for simplified documentation was enhanced for all miscellaneous transactions up to US $ 5000 with out Form A2.

*A2 form dispensed with and model application cum undertaking introduced for liberalized Remittance scheme of US $ 25000 per annum.

ADOPTION OF MODEL POLICY ON BANK DEPOSITS

The Bank has prepared and circulated a Model Policy on Bank Deposits which is a policy document on deposit, outlining the guiding principles in respect of formulation of various deposit products offered by the bank and terms and conditions governing the conduct of the account. The document recognizes the rights of depositors and aim at dissemination with regard to various aspects of acceptance of deposits from members of the public, conduct and operations of various deposit accounts, closure of deposit accounts, method of disposal of deposits of deceased depositors etc., for the benefits of customers. It is expected that this document will impact greater transparency in dealing with the individual customers and create awareness among customers of their rights. The ultimate objective is to provides Customers the services they are rightfully entitled to receive without demand.

Our Model Policy of Deposit contains the detail guidelines on the following

  • Documents required to be submitted at the time of opening account - due diligence required and Know Your Customer guidelines.
  • Bank's service charges for operation of account and for minimum balance.
  • Operation of Joint Account/Minor's Account/Accounts of illiterate and Blind persons.
  • Nomination facility.
  • Interest payments.
  • Secrecy of customer's account.
  • Premature withdrawal/Renewal of Terms Deposit.
  • Renewal of overdue Term deposits.
  • Advances against deposits.
  • Settlement of dues in deceased deposit account and interest payment in such account.
  • Insurance cover for depositors.
  • Stop payment facility.
  • Treatment of dormant accounts.
  • Safe deposit Lockers.

The customers may obtain a copy of the same from Branch Managers.

 
 

SCHEDULE-V

 

CHECK LIST

 

Application for firms

 
S No. Application for firms Existing (1) New (2) Both (1) & (2)
1. Audited Balance Sheet, Trading & Profit & Loss A/c for the last 3 Years. -- -- --
2. Projected Financial statement for the next 3 years alongwith cash flow and funds flow statement. -- 3 --
3. Project Report -- 3 --
4. Visit Report of Zonal Manager to the Projected unit for cases above 5 lacs. -- 3 --
5. Technical Officer's Report for cases above Rs. 10.00 lacs. -- 3 --
6. Confirmation from Branch Manager that all indispensable requirements of previous sanction have been complied with and end-use of Bank funds ensured 3 -- --
7. Latest Legal opinion, Index Inspection, Non-encumberance Certificate from the user's approved legal counsel regarding properties being offered as security. -- 3 --
8. Valuation Report from the Govt. approved valuer or from Registered Architect regarding properties being offered as security -- 3 --
9. Critically analysis of financial ratios. -- -- 3
10. Confirmation that Permissible Bank finance calculated in terms of latest Head Office guidelines. -- -- 3
11. Justification of proposed credit limits each limit wise. -- -- 3
12. Credit Reports of proprietor/partners/ Directors/Guarantors/firm. -- 3 --
13. Confidential Report of the existing bankers. -- 3 --
14. Detail of sister concerns with regard to their bankers and credit limits/liabilities. -- 3 --
15. Visit Report of Branch Manager to the site in case of Performance Guarantee. -- 3 --
16. Certificate from party that investment in plant & Machinery of the firm/sister concerns/group. entitles for coverage under SSI -- 3 --
17. Copies of relative proforma invoices -- 3 --
18. Certificate of Incorporation, Memorandum & Articles of Association in case of limited firms. -- 3 --
19. Registration Certificate of the unit. -- 3 --
20. Copy of Partnership Deed in case of Partnership accounts -- 3 --
21. Copy of permission from Pollution Board, if applicable -- 3 --
22. Position of statutory dues and other if any, for the existing firms (e.g. P.F., Taxes, Electricity Bills, rent, etc.) 3 -- --
23. Confirmation that Processing fees have since been charged as per bank rules -- 3 --
24. Copy of Registration of charge in case of limited companies. 3 -- --
25. Confirmation that comments of internal/ external auditors, if any, have since been rectified. 3 -- --
26. Confirmation that stock statements and other papers submitted in time by the party. 3 -- --
27. Bank's legal counsel's Certificate confirming documents are in order for loan limits above Rs. 25.00 lacs 3 -- --
28. If case covered under Selective Credit Control, necessary permission, if applicable, taken from RBI -- 3 --
29. In case of SSI Unit, loan application has been moved as per revised proforma (H.O. PS, Cir, No. 175 dated 26-5-94) -- -- 3
30. Comments of Internal Inspecting Officer & Counter Comments thereof & RBI Comments 3 -- --
 

BRANCHES DESIGNATED FOR HOUSING FINANCE

 

BRANCHES DESIGNATED FOR HOUSING FINANCE

 
Zone Name Branch Name & Address

Amritsar

Hall Bazar, Amritsar, Punjab

Amritsar

SGRD Hospital, Amritsar, Punjab

Amritsar

Sultanwind Rd., Amritsar, Punjab

Amritsar

Court Road, Amritsar, Punjab

Amritsar

Civil LInes, Amritsar, Punjab

Bareilly

Model Town, Bareilly, U.P.

Bareilly

National Road, Haldwani, U.P.

Bareilly

Station Road, Pilibhit, U.P.

Bathinda

The Mall, Bathinda, Punjab

Bhopal

K.K. Road, Raipur, M.P.

Bhopal

13 Py Road, Indore, M.P.

Bhopal

M.P. Nagar, Bhopal, M.P.

Chandigarh

SCF-23-25, Mohali Dist., Ropar, Punjab

Chandigarh

1076-77 Sec. 22-B, Chandigarh

Chandigarh

79-81 Sec. 17C, Chandigarh

Chandigarh

Sec. 17B, Bank Square, Chandigarh

Faridkot

Rly. Road, Main Chowk, Kot Kapura, Punjab

Faridkot

Gandhi Chowk, Abohar Dist. Ferozpur, Punjab

Faridkot

Rly. Road, Moga, Punjab

Gurdaspur

Dalhousie Road, Pthankot, Punjab

Gurdaspur

Police Line Road, Gurdaspur, Punjab

Gurdaspur

Cinema Road, Batala, Punjab

Guwahati

Fancy Bazar, Guwahati, Assam

Guwahati

A.T. Road, Jorhat, Assam

Guwahati

Central Road, Silchar, Assam

Guwahati

Khemka Mkt., St. Road, Dibrugarh, Assam

Haryana

Vijay Ratan Chowk, Ambala Cantt., Haryana

Haryana

Ganga Bhawan, Ramlila Ground, Gurgaon

Haryana

G.T. Road, Panipat, Haryana

Haryana

Neelam Cinema Chowk, NIT, Faridabad,

Haryana

Panch Kula, Haryana

Haryana

Sector 16-A, Ajronda, Faridabad, Haryana

Jaipur

LBS College, Tilak Nagar, Jaipur, Rajasthan

Jaipur

Chopasani Road, Jodhpur, Rajasthan

Jaipur

215, Shanti Nagar, Udaipur, Rajasthan

Jaipur

106, Dayanand Marg, Sri Ganga Nagar, Rajasthan

Jalandhar

Bank Hosue, Model Town, Jalandhar, Punjab

Jalandhar

Garha Road, Urban Estate, Jalandhar, Punjab

Jalandhar

G.T. Road, Phagwara, Dist., Kapurthala, Punjab

Jalandhar

Rly. Road, Hoshiarpur, Punjab

Jalandhar

The Mall, Kapurthala, Punjab

Kolkata

83/85, Netaji Subhash Road, Kolkata

Kolkata

59-B, Chowrangee Road, Kolkata

Kolkata

235/3/1, NSC Bose Road, Bansdroni, Kolkata

Kolkata

12/1, Lindsey St., Kolkata

Lucknow

Civil Lines, Allahabad, U.P.

Lucknow

Hazrat Ganj, MG Marg, Lucknow, U.P.

Lucknow

C-21/88A, Lahurabir, Varanasi, U.P.

Ludhiana

Khalsa College for Women, Civil LInes, Ludhiana, Punjab

Ludhiana

Opp. Milk Plant for Ferozpur Rd., Sunet, Ludhiana, Punjab

Ludhiana

MTSM, Subzi Mandi, Ludhiana, Punjab

Ludhiana

Moti Nagar, Ludhiana, PUnjab

Ludhiana

Sabun Bazar, Ludhiana, Punjab

Meerut

A-398, Sec.-19, Noida, Atta, Distt. Gautam Budh Nagar

Meerut

NTPC, Sec.24, Noida, Distt. Gautam Budh Nagar

Meerut

195-B, Lohia Nagar, New Ghaziabad, U.P.

Mumbai

Mohar Apartments, Borivily, Mumbai, Maharashtra

Mumbai

Amarpali Bldg., Juhu, Mumbai, Maharashtra

Mumbai

315, Linking Road, Khar, Mumbai, Maharashtra

Mumbai

101, Shaheed Bhagat Singh Rd., Andheri East, Mumbai

Mumbai

31, Vikas Building, Peddar Road, Mumbai, Maharashtra

Mumbai

107, LBS Marg, Bhandup, Mumbai, Maharashtra

Mumbai

MG Road, Naupada, Thane, Maharashtra

Mumbai

229/230, MG Road, Pune, Maharashtra

Mumbai

16, Central Avenue, Nagpur, Maharashtra

New Delhi

B-2/7, Paschim Vihar, New Delhi

New Delhi

43-44, New Mkt., Tilak Nagar, New Delhi

New Delhi

A-Block, CSC Mkt., Anand Vihar, New Delhi

New Delhi

D-6, Shopp. Ctr., II Vasant Vihar, New Delhi

New Delhi

13, Comm. Centre, Safdarjung, Enc., New Delhi

New Delhi

Peera Garhi, New Delhi

New Delhi

B-22, Community Centre, Janakpuri, New Delhi

New Delhi

B-9, Gujrawala Town, New Delhi

Patiala

Model Town, Patiala, Punjab

Patiala

The Mall, Patiala, Punjab

Patiala

Namdar Khan Road, Patiala, Punjab

Patiala

Rajbaha Road, Patiala, Punjab.

 

Schedule-VII

List of Specialized Branches

International Banking Division (IBD) Branches:

  • IBD ? Jalandhar, G.T. Road, Jalandhar-144 001.
  • IBD ? New Delhi, Scindia House, Connaught Circus, New Delhi-110 001.
  • IBD ? Ludhiana, Gill Road, Millar Ganj, Ludhiana-141 003.
  • IBD ? Kolkatta, 14/15, Old Court House Street, Kolkatta -700 001
  • IBD ? Chennai, 770-A, Spencer Tower, Anna Salai, Chennai-600 001.
  • IBD ? Tripur, 32 M.G. Pudur, 1st Street, P.B. No. 360, Tripur-638 609.
  • IBD ? Amritsar, Chowk Phawara, Hall Bazar, Amritsar.
  • IBD ? Agra, Sanjay Place, 1st Floor, Agra-282 002.

Special Assets Recovery Branches (ARB)

  • ARB ? 1, New Delhi, 3rd Floor, Bank House, 21-Rajendra Place, New Delhi-110 008.
  • ARB ? Mumbai, Dr. Anne Besant Road, Opp. Poddar Hospital, Worli, Mumbai-400 025.
  • ARB ? Kolkatta, 72 Asthutosh Mukerji Road, Koklatta-700 025.
  • ARB ? Amritsar, 1st Floor, Sharif Pura, Amritsar-143 001.
  • ARB ? Chandigarh, SCO NO. 62, Sector 26, Chandigarh.
  • ARB ? II, New Delhi, M-14, M-Block, Connaught Place, New Delhi-110 001

SSI Branches

  • SSI ? Batala, GT Road, Batala-143 505.
  • SSI ? Jalandhar, S-146, Industrial Area, Jalandhar.
  • SSI ? Ludhiana, 367, Industrial Area, Ludhiana.
  • SSI ? Lalru, Tehsil Dera Bassi, Distt. Patiala.
  • SSI ? Godhewala, G.T. Road, Moga, Distt. Faridkot.

IFB Branches

  • IFB ? Ludhiana, 14321, G.T. Road, Dholewala Chowk, Ludhiana.
  • IFB ? Amritsar, Hall Bazar, Amritsar.
  • IFB ? Chandigarh, 17-B, Zonal Office Building, Chandigarh.
  • IFB ? New Delhi, 18/90, Madras Hotel, Connaught Place, New Delhi-110 001.

Hire Purchase, Leasing & Finance Branches

HP Leasing & Fin. ? Chikamberpur, Yuvraj Complex, Delhi-UP Border, Distt. Ghaziabad.

Agriculture Finance Branch

  • Agriculture Hi-Tech. ? Ludhiana, Sunet Ferozpur Road, Ludhiana.

Specialized Locker Branches

  • Locker Branch ? New Delhi, B-22, Janak Puri, New Delhi- 110 058.
  • Locker Branch ? Guru Harikishan Nagar, New Delhi.

Specialized Housing Finance Branches

Housing FIn. ? New Delhi, B-45/47, Connaught Place, New Delhi-110 001.

Specialized Personal Banking Brnaches

  • SPB ? Panchkulla, SCF-251, Sector-16, Panchkulla (Haryana).
  • SPB ? Patiala, SCO-2, Commercial Complex, Kheri Gujran Road, Officer Colony, Patiala-147 001.
  • SPB ? Ludhiana, 88-Green Field, Pakhowal Road, Ludhiana-141 002.
  • SPB ? Bhopal, 90, M.P. Nagar, Zone-II, Bhopal-462 011.
  • SPB ? Mohali, SCO-14, Phase-X, SAS Nagar, Mohali Distt. Ropar.
 

List of Authorised direct taxes collection branchES under OLTAS

 
SNo Branch Name BSR Code Type
1 Nagpur 370292 COLLECTING
2 Cuttack 370352 COLLECTING
3 Ashok Nagar,Bhubaneshwar 370367 COLLECTING
4 Rajpur Road, Dehradun 370008 COLLECTING
5 Ambala Road, Saharanpur 370135 COLLECTING
6 Mall Road, Nainital 370682 COLLECTING
7 Begum Bridge, Meerut 370179 COLLECTING
8 Mujaffar Nagar 370265 COLLECTING
9 Civil Lines, Saharanpur 370377 COLLECTING
10 Lohia Nagar, Ghaziabad 370571 COLLECTING
11 Chickpet, Bangalore 370357 COLLECTING
12 Swami Vivekanand Marg, Panajim 370713 COLLECTING
13 Gandhi Road, Ahmedabad 370249 COLLECTING
14 Kailash Colony, New Delhi 370014 COLLECTING
15 Janakpuri, New Delhi 370101 COLLECTING
16 Fountain, Chandni Chowk, New Delhi 370013 COLLECTING
17 Green Park Extension, New Delhi 370016 COLLECTING
18 Karol Bagh, New Delhi 370017 COLLECTING
19 Paharganj, New Delhi 370018 COLLECTING
20 West Patel Nagar, New Delhi 370019 COLLECTING
21 Tilak Nagar, New Delhi 370020 COLLECTING
22 Kashmere Gate, New Delhi 370021 COLLECTING
23 Rajouri Garden, New Delhi 370022 COLLECTING
24 Hemkunth Colony, New Delhi 370175 COLLECTING
25 Naya Bazar, New Delhi 370185 COLLECTING
26 Naraina, New Delhi 370191 COLLECTING
27 Azadpur, New Delhi 370201 COLLECTING
28 Defence Colony, New Delhi 370259 COLLECTING
29 Roshanpura, New Delhi 370300 COLLECTING
30 Hauz Quazi, New Delhi 370303 COLLECTING
31 Gujrawala Town, New Delhi 370304 COLLECTING
32 Roshanara Road, New Delhi 370310 COLLECTING
33 Sadar Bazar, New Delhi 370329 COLLECTING
34 Jangpura Extension, New Delhi 370332 COLLECTING
35 Madanpur Khadar, New Delhi 370345 COLLECTING
36 Krishna Nagar, New Delhi 370347 COLLECTING
37 H-Block, Connaught Place, New Delhi 370350 COLLECTING
38 Gole Market, New Delhi 370819 COLLECTING
39 New Friends Colony, New Delhi 370353 COLLECTING
40 Malka Ganj, New Delhi 370365 COLLECTING
41 Janpath, New Delhi 370382 COLLECTING
42 Nehru Place, New Delhi 370397 COLLECTING
43 Peera Garhi, New Delhi 370422 COLLECTING
44 Mayapuri, New Delhi 370433 COLLECTING
45 Asaf Ali Road, New Delhi 370444 COLLECTING
46 Safdarjung Enclave, New Delhi 370487 COLLECTING
47 IBD, Connaught Place, New Delhi 370488 COLLECTING
48 M-Block, Connaught Place, New Delhi 370491 COLLECTING
49 Fatehpuri, New Delhi 370493 COLLECTING
50 Vasant Vihar, New Delhi 370520 COLLECTING
51 Pashim Vihar, New Delhi 370646 COLLECTING
52 Sidharth Enclave, New Delhi 370652 COLLECTING
53 Kirti Nagar, New Delhi 370663 COLLECTING
54 Old Geeta Colony, New Delhi 370666 COLLECTING
55 Singhola, Alipur, New Delhi 370567 COLLECTING
56 Babarpur, New Delhi 370569 COLLECTING
57 Okhla Industrial Area, New Delhi 370579 COLLECTING
58 Ranjit Nagar, New Delhi 370699 COLLECTING
59 Anand Vihar, New Delhi 370605 COLLECTING
60 Rajendra Place, New Delhi 370647 COLLECTING
61 Bikrikar Bhawan, I.P. Estate 370735 COLLECTING
62 Ind. Fin. Branch, Connaught Place 370766 COLLECTING
63 Pitampura, New Delhi 370812 COLLECTING
64 Shalimar Bagh, New Delhi 370816 COLLECTING
65 Khalsa College, Amritsar 370048 COLLECTING
66 Hall Bazar, Amritsar 370051 COLLECTING
67 Cinema Road, Batala 370061 COLLECTING
68 Police Line, Gurdaspur 370062 COLLECTING
69 Guru Nanak Dev University, Amritsa 370297 COLLECTING
70 City Centre, Amritsar 370475 COLLECTING
71 IFB, Chowk Phawara, Amritsar 370730 COLLECTING
72 Shalimar Road, Jammu 370183 COLLECTING
73 Exchange Road, Rehari, Jammu 370705 COLLECTING
74 Nanak Nagar, Sec-1, Jammu 370778 COLLECTING
75 Dalhausie Road, Pathankot 370210 COLLECTING
76 The Mall, Faridkot 370037 COLLECTING
77 Jhoke Road, Ferozpur Cantt. 370039 COLLECTING
78 Durgiana Mandir, Amritsar 370759 COLLECTING
79 Tilak Road, Aurangabad 370294 COLLECTING
80 M G Road, Pune 370333 COLLECTING
81 Thane (West) 370531 COLLECTING
82 Shivaji Nagar (North), Sangli 370704 COLLECTING
83 Cochin 370372 COLLECTING
84 Trivendram 370375 COLLECTING
85 Opera House, Mumbai 370113 COLLECTING
86 Khar (West), Mumbai 370309 COLLECTING
87 Borivali (West), Mumbai 370689 COLLECTING
88 Fort, Mumbai 370394 COLLECTING
89 Juhu, Mumbai 370395 COLLECTING
90 Malabar Hills, Mumbai 370438 COLLECTING
91 Kalbadevi, Mumbai 370440 COLLECTING
92 Peddar Road, Mumbai 370476 COLLECTING
93 Masjid Bunder, Mumbai 370483 COLLECTING
94 Andheri (East), Mumbai 370532 COLLECTING
95 Vikroli, Mumbai 370556 COLLECTING
96 Worli, Mumbai 370687 COLLECTING
97 Bhandup, Mumbai 370610 COLLECTING
98 IBD, Nariman Point, Mumbai 370671 COLLECTING
99 Hyderabad 370180 COLLECTING
100 Park Lane, Secundrabad 370328 COLLECTING
101 Surya Bagh, Vishakhapatnam 370486 COLLECTING
102 N S Road, Kolkata 370370 COLLECTING
103 Sabun Bazar, Ludhiana 370078 COLLECTING
104 Lindsey Street, Kolkata 370534 COLLECTING
105 Chowrangi Road, Kolkata 370665 COLLECTING
106 Bhowanipur, Kolkata 370386 COLLECTING
107 Gill, Ludhiana 370081 COLLECTING
108 G.T. Road, Phagwara 370108 COLLECTING
109 G.T. Road, Jalandhar 370167 COLLECTING
110 P.S. Jain Complex, Jalandhar 370371 COLLECTING
111 New Grain Market, Jalandhar 370401 COLLECTING
112 Railway Road, Moga 370038 COLLECTING
113 Model Town, Jalandhar 370565 COLLECTING
114 Lajpat Nagar, Jalandhar 370072 COLLECTING
115 Mota Singh Nagar, Jalandhar 370361 COLLECTING
116 Adda Hoshiarpur, Jalandhar 370430 COLLECTING
117 MGN College, Jalandhar 370558 COLLECTING
118 Urban Estate, Jalandhar 370653 COLLECTING
119 The Mall, Kapurthala 370189 COLLECTING
120 Mahilpur, Distt. Jalandhar 370088 COLLECTING
121 Mukerian, Distt. Hoshiarpur 370404 COLLECTING
122 Chandigarh Road, Nawanshehar 370271 COLLECTING
123 Sultanpur Lodhi, Distt. Kapurthala 370070 COLLECTING
124 Tanda Urmar, Distt. Hoshiarpur 370103 COLLECTING
125 Nakodar, Distt. Jalandhar 370112 COLLECTING
126 New Grain Market, Hoshiarpur 370686 COLLECTING
127 Khalsa College for Women, Ludhiana 370737 COLLECTING
128 New Sabji Mandi, Jalandhar 370747 COLLECTING
129 Sector - 17C, Chandigarh 370148 COLLECTING
130 Sector - 34D, Chandigarh 370251 COLLECTING
131 Industrial Area, Chandigarh 370254 COLLECTING
132 Sector - 11A, Chandigarh 370342 COLLECTING
133 The Mall, Patiala 370360 COLLECTING
134 Sector - 26, Chandigarh 370381 COLLECTING
135 Sector - 47, Chandigarh 370418 COLLECTING
136 Sector - 17B, Chandigarh 370641 COLLECTING
137 Sector - 15D, Chandigarh 370660 COLLECTING
138 Sector - 46, Chandigarh 370729 COLLECTING
139 IFB, Chandigarh 370734 COLLECTING
140 Sector - 9, Chandigarh 370758 COLLECTING
141 Officers Colony, Patiala 370793 COLLECTING
142 Barnala, Railway Road, Dist Sangrur 370279 COLLECTING
143 Bhawanigarh Tehsil & Dist Sangrur 370270 COLLECTING
144 Bhunerheri Tehsil & Dist Patiala 370025 COLLECTING
145 Dirba, Main Bazar Dist. Sangrur 370029 COLLECTING
146 Dhuri Tehsil & Dist. Sangrur 370281 COLLECTING
147 Gurudawara Fatehgarh Sahib 370026 COLLECTING
148 Govindgarh Mandi, Fatehgarh Sahib 370206 COLLECTING
149 Jhill, Sirhind Road, Patiala 370478 COLLECTING
150 Khamano Anaj Mandi, Fatehgarh Sahib 370083 COLLECTING
151 Malerkotla, College Rd Dist Sangrur 370104 COLLECTING
152 Nabha, Patiala Gate, Dist. Patiala 370024 COLLECTING
153 Gurbax Colony, Patiala 370654 COLLECTING
154 Gur Mandi, Patiala 370023 COLLECTING
155 Guru Nanak Nagar, Patiala 370723 COLLECTING
156 Model Town, Patiala 370479 COLLECTING
157 Samana, Main Bazar, Dist. Patiala 370115 COLLECTING
158 Sangrur, Patiala Gate 370028 COLLECTING
159 Sunam, Anaj Mandi, Dist. Sangrur 370114 COLLECTING
160 Tohra,Gram Panchayat, Dist. Patiala 370465 COLLECTING
161 Namdar Khan Road, Patiala 370564 COLLECTING
162 Quilon, Krishna Building 370696 COLLECTING
163 Vijayawada,Prakasham Rd Governorpet 370327 COLLECTING
164 Sion Koliwada, Mumbai 370338 COLLECTING
165 J.C. Road, Bangalore 370172 COLLECTING
166 Mysore, Banumahia Road 370473 COLLECTING
167 Mangalore, Market Road, Hampankatta 370492 COLLECTING
168 Bidar, Nanak Jira 370224 COLLECTING
169 Gorge Town, Chennai 370439 COLLECTING
170 Mount Road, Chennai 370209 COLLECTING
171 IBD, Anna Salai, Chennai 370617 COLLECTING
172 Adyar, Kasturba Nagar, Chennai 370606 COLLECTING
173 Trichirapalli, Nandi Kovil Street 370445 COLLECTING
174 IBD, Tirupur 370736 COLLECTING
175 M.P. Nagar, Bhopal 370799 COLLECTING
176 Bhilai, B-Market Sector-6 370442 COLLECTING
177 Hamidia Road, Bhopal 370122 COLLECTING
178 Bilaspur, Dayalbagh Gurudwara 370600 COLLECTING
179 Fort Road, Gwalior 370272 COLLECTING
180 Jayendra Ganj, Gwalior 370143 COLLECTING
181 Guna, Agra Mumbai Road 370323 COLLECTING
182 P.Y. Road, Indore 370145 COLLECTING
183 Nanda Nagar, Indore 370791 COLLECTING
184 Itarsi, Main Road, Distt Hoshangabd 370346 COLLECTING
185 Jabalpur, Anand Talkies Road 370144 COLLECTING
186 Morena, Lohia Bazar 370316 COLLECTING
187 Raipur, K.K. Road 370307 COLLECTING
188 Ratlam, Station Road 370635 COLLECTING
189 Rewa, Jai Stambh Chowk 370341 COLLECTING
190 Sagar, Station Road 370287 COLLECTING
191 Satna, Panni Lal Chowk 370340 COLLECTING
192 Ujjain, Daulat Ganj 370363 COLLECTING
193 Shahpura, Arera Colony, Bhopal 370324 COLLECTING
194 Chaukiman, Distt. Ludhiana 370170 COLLECTING
195 Dehlon, Distt. Ludhiana 370080 COLLECTING
196 Doraha, Distt. Ludhiana 370416 COLLECTING
197 Halwara, Distt. Ludhiana 370202 COLLECTING
198 Heddon, Distt. Ludhiana 370458 COLLECTING
199 Isru, Distt. Ludhiana 370168 COLLECTING
200 Jaspal Bangar, Distt. Ludhiana 370448 COLLECTING
201 Jagraon, Distt. Ludhia 370102 COLLECTING
202 Karamsar, Rara Sahib, Dist Ludhiana 370155 COLLECTING
203 Khanna, G.T. Road, Dist Ludhiana 370079 COLLECTING
204 Salim Tabri, Dist Ludhiana 370428 COLLECTING
205 Gurudwara Kalgidhar, Dist Ludhiana 370555 COLLECTING
206 Moti Nagar, Dist Ludhiana 370726 COLLECTING
207 Kitchlu Nagar, Dist Ludhiana 370725 COLLECTING
208 New Janta Nagar, Dist Ludhiana 370727 COLLECTING
209 BISP School, Randhir Singh Ngr Ldh 370760 COLLECTING
For Hot Listing (Blocking)
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