Rbi Circular

 Rbi Round Essay

भारतीय रज़व बक

_________RESERVE FINANCIAL INSTITUTION OF INDIA_________

www.rbi.org.in

RBI/2012-13/50

DBOD No . Leg. BC. 21 /09. 07. 006/2012-13 July a couple of, 2012

Ashadha 11, 1934

All Timetabled Commercial Banking institutions

(Excluding RRBs)

Dear Sir,

Master Round on Customer support in Banks

Please make reference to the Expert Circular DBOD. No . Leg. BC. 18/09. 07. 006/2011-12 dated July 01, 2011 consolidating most of the important guidance issued by us in the area of customer service up to June 31, 2011. The Master Circular has been suitably updated with some the recommendations issued up to June 31, 2012 and has also been placed on the RBI website (http://www.rbi.org.in). A copy from the Master Rounded is surrounded. 2 . It could be noted the Master Spherical consolidates and updates every one of the instructions contained in the circulars listed in the Appendix to the Master Circular.

3. Banks are advised to ensure that copies of the circular can be found in all their divisions so that the consumers can study the same. Yours faithfully,

(Rajesh Verma)

Chief General Supervisor

- My spouse and i -

DBOD-Master Circular upon Customer Service 2012

Master Round on Customer support

Table of Contents

Em virtude de

No .

Facts Page

Number

1 . Advantages 1

1 . 1 General - Insurance plan for general management with the branches a couple of 2 . Customer Service: Institutional Platform 3

installment payments on your 1 Customer care Committee with the Board 5

2 . 1 . 1 Part of the Customer satisfaction Committee 5

2 . 1 . 2 Monitoring the setup of awards under the

Banking Ombudsman Structure

4

installment payments on your 1 . 3 Board Getting together with to Review and Deliberate in

Customer Service

five

2 . a couple of Standing Panel on Customer care 5

2 . 3 Part Level Customer support Committees six

2 . some Nodal department/ official intended for customer service six

3. Table approved procedures on Customer care 7

a few. 1 Complete Deposit Coverage 7

three or more. 2 Check Collection Coverage 7

three or more. 3 Client Compensation Coverage 8

several. 4 Client Grievance Redressal Policy almost 8

3. your five Giving publicity to the guidelines 8

some. Financial Addition 9

4. 1 Fundamental banking 'no-frills' account on the lookout for

4. 2 IT-enabled Economic Inclusion on the lookout for

4. three or more Printed material in Trilingual form 15

5. Starting / Procedure of Pay in Accounts 15

5. 1 ) Customer Identification Procedure for individual accounts 15 - II -

DBOD-Master Circular about Customer Service 2012

5. 1 ) 1 Intra-bank Deposit Bank account Portability 15

5. installment payments on your Savings Bank Rules 15

5. three or more Photographs of Depositors twelve

5. some Minimum balance in savings bank accounts 12

5. 5 Purchase of Regional Cheques, Breezes, etc . during

suspension of Clearing

doze

5. 6 Statement of accounts / Pass Catalogs 12

5. 6. you Issuance of Passbooks to Savings Bank-account

holders (Individuals)

12

a few. 6. two Updating passbooks 13

a few. 6. a few Entries in passbooks as well as statement of accounts 16

5. 6. 4 Repair of savings financial institution pass ebooks:

precautions

18

5. six. 5 Rendering monthly statement of accounts 14

a few. 6. 6th Address / Telephone Number in the Branch in Pass

Catalogs / Affirmation of Accounts

15

your five. 6. six Printing of MICR code and IFSC code upon

passbook as well as statement of account

12-15

5. six Issue of Cheque Catalogs 15

your five. 7. 1 Issuing many cheque books 15

your five. 7. a couple of Writing the cheques in a language 16

5. 7. 3 Dispatching the talon book simply by courier 18

5. several. 4 Approval of cheques bearing to start a date as per

Countrywide Calendar (Saka Samvat) intended for payment

of sixteen

5. eight Term First deposit Account 18

5. eight. 1 Issue of term deposit invoice 16

your five. 8. a couple of Transferability of deposit receipts 16

5. 8. 3 Disposal of deposits seventeen

- 3 -

DBOD-Master Circular in Customer Service 2012

5. eight. 4 Informing the enhancements made on interest rates 18

5. eight. 5 Repayment of interest upon fixed pay in –

Approach to calculation interesting

17

five. 8. 6 Premature revulsion of term deposit 18

5. eight. 6. you Repayment of Term/Fixed Build up in banking companies 18

your five. 8. 7 Renewal of Overdue build up 19

a few. 8. eight Addition or deletion in the name/s of joint accounts

holders

nineteen

5. almost eight. 9 Payment of interest in accounts freezing by financial institutions 19

5. 9 Approval of cash non-prescription 20

your five. 10 Opening accounts in the name of minors with...

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