On the basis of my experience, I find that banks invariably find it easier to justify their procedures with their customers by passing on the buck to RBI. I am sure RBI would not have issued any such instructions. I would suggest that Seshan ask the bank to show him the relevant RBI instructions as I used to do.If in the unlikely event of any such instructions having been issued by RBI, he should dissect them with his usual analytical ability and extraordinary clarity and take up with the RBI Customer Service Department.
- A.Chandramouliswaran.
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