UCO BANK
HEAD OFFICE
10, B.T.M. SARANI
CALCUTTA-700 001

                                                                                               February 13, 2001

Dear Customer,

Our Commitment to Customers had led us to publish a code of fair banking practices which was also named "Our Commitment to Customers". This booklet was brought out in January 1998 along with general terms and conditions of our services. That was the Golden Jubilee Year of our Independence.

The new millenium coincides with the process of opening of the economy and holds out for all of us a future, which is emerging. In keeping with it UCO Bank is also reorganising its services around the emerging needs of the customers. Consequently there is a need and UCO Bank has rewritten its "Code of Fair Banking Practices" which is being published under the name and style "Citizens’ Charter".

We have committed for zero corruption services and full transparency in the terms and conditions of our services. We have also committed for time bound amelioration of your grievances. We have Nodal Officers at all the regional offices reporting to Chief Nodal Officer, an ex-officio assignment for General Manager, Planning & Development, who would ensure that your complaints are dealt with properly and in time.

We have also added certain ‘Dos’ on your part which will enable us to protect your interest and facilitate us in extending our services. In the coming days we are likely to see in the banking industry a lot of new products and different types of services which will necessitate further improvement in the "Charter". We would always eagerly look forward to your suggestions to make our services more effective and useful for you and we trust that we will receive valued suggestions and guidance as we proceed further in orientating our services towards your requirements.

I take this opportunity to convey my best wishes to you.
Thanking you,
Yours sincerely,

Chairman & Managing Director

CHAPTER – I

Introduction :

This Citizens’ Charter replaces the earlier one released in 1998. This Charter has been prepared to promote fair banking practice and give information in respect of various activities related to customer service being offered by our offices and branches. This Citizens’ Charter is based on the model Charter prepared by a Select Committee appointed by Indian Banks’ Association. This Charter is not a legal document which creates statutory rights and obligations.

As stated above, the basis of the Charter is our striving to provide excellent customer service to all our customers at all service points. In order to do so, we rely on the following principles:

Quality :

This indeed is the sine-qua-non for any service oriented institution. An inbuilt mechanism to continually upgrade the standard of service has been put in place by the Bank.

Choice :

We understand that the customer is bound to choose among the various alternative products and services being offered by various banks operating in the industry. This makes it all the more necessary for us to introduce from time to time innovative ideas and technology which will translate into better services being offered by us.

Standards :

All our customers are entitled to know the basic standards for the common services which we provide. In this regard, we have set down time norms for each of our services. This time norms are displayed in the banking hall in all our branches.

Accountability :

We have over the years built up a fairly reliable system fixing accountability for errors/lapses in provision of services. Most of the complaints are redressed on the spot. In case, the Manager at the grassroot level is unable to redress a particular complaint, the same is referred to a higher authority for disposal within 45 days. Details of the redressal system are also available at each and every branch office.

Transparency :

There is absolutely no secrecy regarding the services offered by our branches and the procedures that are followed by the Bank. Basic information relating to rules and regulations governing the services are made known to all customers at all points of delivery. This transparency, we believe, helps in strengthening our bonds with each and every customer.

Zero corruption :

The bank is totally committed to provide all its services at charges which are specified and laid down. We honour the above principle and request our customers not to pay any bribe but report the same immediately to the competent authority in case they are being coerced by any of our staff members for any favour, in kind or otherwise. Anonymous complaints will not be entertained.

In the following chapters we have made an effort to comprehensively codify the kind of services which the Bank offers to its customers in regard to their day to day banking needs.

CHAPTER – II

A. Common Practices followed by our Branches

1. Display of business hours.

All Branches prominently display business hours including banking hours in the banking hall. They also display weekly holiday. In case the branch is a Seven Day Branch the same is prominently displayed in the bank’s sign board.

2. Provision of separate ‘Enquiry’ or ‘May I Help You’
    counter at large branches.

At these counters, which are available in selected branches all the relevant information which any customer may require regarding his day-to-day banking transactions is made available. In all other branches the customers may contact the Manager and other staff members in case they have any specific enquiry.

3. Display of interest rates.

As and when the bank changes interest rates for various deposit schemes as well as advances the same are displayed on the Notice Board provided in the banking hall.

4. Display of Time – Norms for various banking transactions.

Time norms for various banking services are displayed at all the branches for the convenience of the customer. These time norms which are indicative relate to transactions covering cash payments, issuance of Demand Drafts/Fixed Deposit Receipts, payment of Demand Drafts, opening of Savings Bank/Current Account, updation of pass books, issuance of Statement of Accounts etc. The details are provided in Annexure - A to this Charter.

5. Details relating to various schemes.

Pamphlets giving details relating to various deposit and credit schemes offered by the branch are available with the Branch Manager. Details pertaining to fast collection of outstation cheques are also displayed in the banking hall of branches participating in such collections. Likewise Express DD Counters etc. are operating in selected branches and details regarding the same are available with the Manager.

6. Grievance Redressal Procedure.
Each and every branch is provided with a complaint register. This is available with the Manager. In the banking hall of the branch, name of the Nodal Officer at the Regional Office and the bank’s Chief Nodal Officer in the rank of General Manager at Head Office are mentioned alongwith their telephone numbers in case any customer requires their assistance. Details relating to Banking Ombudsman Scheme are also available with the Branch Manager.

B. Fair Banking Practices

All our customers are requested to follow the below given simple practices which will enable them to safe-guard their money with the bank and facilitate quick transactions in their accounts with greater degree of reliability.

1. Ensure safe custody of cheque book and pass book.
2. Preferably use reverse carbon while writing a cheque
3. Issue crossed/account payee cheques as far as possible.
4. 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.
5. Not to issue cheque without adequate balance ; maintain minimum balance as specified by the Bank.
6. Send cheques and other financial instruments by Registered Post or by courier.
7. Bring pass book while withdrawing cash from savings bank account through withdrawal slip. Get pass book updated from time to time.
8. Use nomination facility.
9. Note down account numbers, details of FDR, locker numbers, etc., separately.
10. Inform change of address, telephone number, etc. to the Branch.
11. Inform loss of demand draft, fixed deposit receipt, cheque leave(s)/book, key of locker, etc. immediately to the Branch.
12. Avail standing instructions facility to repeat transactions.
13. Provide feedback on our services.
14. Pay interest, instalments, locker rent and other dues on time.
15. Bring any deficiency in services to the notice of the branch.
16. Not to sign blank cheque/s. So also do not record your specimen signature either on pass book or cheque book.
17. Not to introduce any person who is not personally known to you for the purpose of opening account.

CHAPTER – III

Common areas of Customer-Banker relationship :

Opening of New Deposit Accounts :

While all courtesy will be extended to customers to facilitate smooth opening of accounts, due care will be taken to safeguard the banking system from perpetration of frauds. The basic regulations governing opening of accounts are :

• As required by law, while opening this account we will 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.
• The Bank requires a satisfactory introduction of the person/s opening the account by a person acceptable to the Bank.
• The Bank is required to obtain two recent photographs of the person/s opening the account, as per R.B.I. directives.
• The Bank is required to obtain Permanent Account Number (PAN) or General Index Register (GIR) Number 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.
• The Bank will provide to the 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 or ration card or voter’s identity card or driving licence or passport, etc.
• Details pertaining to minimum balance to be kept in various types of deposit accounts viz. Savings, Current Account, Recurring Deposits, Fixed/Term Deposits are available with the Branch. These details give comprehensive coverage regarding operations to be conducted in these accounts by the account holders.
• Likewise nomination facilities are available in the account opening form itself and customers are encouraged to nominate successors in order to ease settlement of deceased claims.

Terms and Conditions Governing our Services :

In order to eliminate the possibility of any confusion/communication gap, the Bank shall provide :-

• Written terms and conditions governing all the common services as also their main features.
• Due notice, wherever possible to customers in case of any variation in the terms and conditions.
• In all computerised branches, monthly statement of account in order to enable you to manage and reconcile your account more efficiently. In branches where this system is not available and where manual system of Pass Books is operative, the updation will be done as per the time-norms applicable. Wherever the requested frequency of updation is less than a month (in case of computerised branches) or the entries are numerous (in case of Pass Book system), requisite charges will be borne by the customer.
• Reasonable notice to the customer before closing his account at his last available postal address as per the Bank’s records
• Complete details regarding terms and conditions of service governing Saving Bank, Current Account, Term Deposits etc. will be available in pamphlets stock with the branches.

Confidentiality of Customer Information :

Strict confidentiality about the operations in each customer’s account shall be scrupulously maintained by us. In no case shall the Bank disclose any information relating to the customers’ accounts except :

• Where legal requirements necessitate disclosure.

• If any reference has been sought by an approved Credit Reference Agency regarding details relating to undisputed debts in default where repayment is not forthcoming despite formal demands made by the Bank. In such cases the concerned customers will be given advance notice.

• Where Banker’s reference is sought in connection with status enquiries, as per established conventions and practices adopted by banks in the country/world.

• Where disclosure is made at your written request/consent.

• Where our interest requires disclosure.

Interest Payable :

Information relating to interest payable by us will be made freely available to our customers at the branches where their accounts are maintained. We will provide the basis on which the interest payable has been calculated and the periodicity at which it is credited to your account.

Any change in interest rates will be notified to the customers through the Press and/or our branches by exhibiting on the notice board.

Under the present tax deduction at source (TDS) scheme, the Bank will advise the rate and amount of such tax debited to the interest payable as per the existing statute.

Interest and Other Charges Receivable :

Interest rates on advances upto RS.2 lakhs will be displayed on the Bank’s Notice Board at the branches. Since advances above Rs.2 lakhs are linked to the Prime Lending Rate, the changes in the Prime Lending Rate from time to time will be notified by the Bank in the Press.

Details of all charges debited to your account payable for various operations in the account as per the schedule of service charges in force will be made available to you. Particulars of charges relating to overdrawn account without prior intimation and exceeding sanctioned limits will also be made available to you.

In case of change in such charges all customers will be notified through the Press and/or our own branch network.

Our Lending Programmes :

The customers, on request would be briefed about the basic lending norms, adopted by the Bank.

• For assessing a credit proposal we generally take into consideration inter alia the following :

• Customer’s financial status and dealings and his credit rating.

• Information from other banks/credit Reference Agencies about a customer’s past experience and financial dealings.

• Customer’s age, background and experience in juxtaposition with the technical feasibility and economic viability of a credit proposal.

• Customer’s capacity to repay the loan as per terms and conditions applicable in each case.

• The Bank will process the proposals within reasonable time depending upon the availability of the requisite information/data.

International Finance :

All details relating to foreign exchange rates and charges will be made available to customers at branches specifically dealing with international banking business including cross border payments. The above details will however be subject to the statutory requirements applicable to international finance and trade and foreign exchange.

Marketing of our Services :

In all our promotional activities we will be fair and reasonable in highlighting the salient features of the schemes marketed by us. Misleading or unfair highlighting of any aspect of any scheme/service marketed by the Bank, leading to unfair practice shall not be resorted to by the Bank.

Pension Payments :

The Bank has one of the finest network of branches in India in terms of geographical coverage. All senior citizens, pensioners both Central Government and State Governments will find the above network very conducive as they can settle down in any major city and town of India and they will find a convenient UCO Bank branch nearby.

• Pensioners of Central and State Governments including Defence and Railways and other Public Sector Undertakings can conveniently open a Pension Account in any of our branches.

• Pensioners are requested to produce a life certificate once in a year (in the month of November) in order to enable their respective branch to pay pension without interruption.

• There are designated days when monthly pension is credited and paid to the respective beneficiaries. These dates are announced on the Notice Board of the branch. 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 1^st 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.

Service Charges :

Details pertaining to service charges are available in a comprehensive booklet published by the bank. This booklet is in the custody of the Branch Manager. Any customer desiring to check up on any specific service charge can avail of this booklet and clear his doubt. The bank also offers concessions/at par remittance as well as collection facilities in selective cases. These are :

• Collection of instruments favouring Educational/Welfare Service, Charitable & Religious Institutions may be allowed at par, provided that these institutions are exempt from payment of Income Tax and they bank with us. However, actual postage/transmission charges and out of pocket expenses will be recovered while collecting instruments for above customers.
• Collection of subsidy cheques issued by the Central and State Governments under I.R.D.P. and other programmes may be effected at par. Cheques tendered by Government Departments for credit to Govt. Accounts to which we are the accredited bankers may be collected at par. However, actual postage and out of pocket expenses will be recovered in all cases.
• Collection of outstation cheques and issuance of D.D./M.T./T.T. etc. may be allowed at par to defence personnel who are in active service. However, postage and other out of pocket expenses will be recovered.
• Collection of Cheques at par and free remittance facilities by way of issuing D.D./M.T./T.T. may be allowed to blind, physically handicapped and institutions set up for their benefits, provided they bank with us. However, postage and other out of pocket expenses will be recovered.
• Cheques, Drafts favouring Prime Minister’s/Chief Minister’s Relief Fund may be collected at par. However, actual postage etc. will be collected positively.
• All other requests for concessions in service charges will be entertained by the Branch Manager who will in turn forward the same to the respective Regional Manager who is authorised to sanction the same keeping in mind the business relations with the applicant as well as the volume of business to be generated by effecting the above concession.

Remittance and Collection Services :

The Bank as stated above is having excellent branch network spread throughout the geographical configuration of India and selected centres abroad.

• Customers can remit funds from one centre to another by way of Demand Drafts/Telegraphic Transfers etc. They can also utilise the facility of electronic fund transfer (EFT System) operated through the Reserve Bank of India for transferring substantial funds to and fro Kolkatta, Chennai, Delhi and Mumbai upto an upper limit of Rs.5 lakhs.
• Likewise the Bank through its service branches and other branches participates in high value clearing, local clearing and national clearing as operated under the rules and regulations of Reserve Bank of India. Cheques drawn on outside centres are cleared as followed :
• Metropolitan Centres listed in National Clearing within 7 days.
• State Capitals other than North Eastern States and Sikkim within 10 working days.
• All other centres in India within 14 working days.
• Customers are requested to deposit their cheques at branches where they are having their accounts.
• Immediate credit of local as well as outstation cheques upto Rs.7500 is provided to individual customers who are maintaining satisfactory accounts with the branch. Details for availing this facility can be had from the Branch Manager. Outstation cheques which are returned unpaid will bear interest to be paid by the customer for the period the branch is out of funds. Likewise interest will be paid at the rate applicable in case of delayed collection of outstation cheques.

Locker and Safe Custody Facility

The Bank offers locker facilities as well as facility for keeping valuables in safe custody at selected branches. Such branches indicate/display this information in their banking halls. The major aspects covering this service are :

• Locker may be hired by an individual, firms, limited companies, specified associations and societies etc. Minors are not allowed to open lockers.
• Lockers are rented out for a minimum period of 1 year. The rent is payable in advance. The bank allows payment of interest accrued available from fixed deposit receipts specially lodged with the branch for payment of such rent. Overdue rent will attract penalties as decided from time to time.
• The bank reserves it’s right to break open the locker if the rent is not paid inspite of giving notices as per bank’s rules and the charges thereof shall be borne by the holder.
• Articles like shares, securities etc. can be kept in safe custody with the bank in branches where such facility is offered. There are separate service charges covering the service. Large and small boxes wherein such articles have been kept must have written details painted thereon. The lock should be covered with stout cloth and sealed with the customer’s seal. The relationship in such cases between the bank and customer shall be that of bailor and bailee.

Others :

All other details pertaining to documentation, standing instructions, nominations and payment of deceased claims are well codified and any customer of the bank can obtain the same from the Manager of the branch where his/her account is being maintained.

CHAPTER – IV

Redressal of Customer’s Grievances :

The Bank gives top priority to quick and effective settlement of all customer complaints. Detailed guidelines in this regard have been issued to Branch Managers and Regional Offices.

To enable the customers to voice their grievances or offer suggestions for improvement in customer service, "Customer Day" is observed at all the offices of the Bank across the organisation covering branches, Regional Offices and Head Office on 15^th of every month (next day, if 15^th is a holiday or half-day). During specified hours 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 be first brought to the notice of concerned branch manager for immediate redressal. If the complaint is not redressed to the satisfaction of the customer within 15 days, the matter may be taken up with the designated Nodal Officer in the respective Regional Office. The Nodal Officer at the Regional Office will reply to the complainant within 15 days of his having received the same.

If the complainant still feels unsatisfied with the responses received, he can address his complaint to the bank’s Chief Nodal Officer at Head Office designated to deal with customers’ complaints/grievances giving full details of the case. The Nodal Officer at Head Office will give a well reasoned reply to the complainant concerned. This will be the final reply of the Bank in the said case.

It will be the endeavour of the Bank to redress complaints within a total period of 45 days. After exhausting all the above channels, if the customer is not satisfied, he may write to the following :

1. Directorate of Public Grievances, Govt. of India, Cabinet Secretariat, Sansad Marg, New Delhi.
2. The Banking Ombudsman located in State Capitals under RBI Ombudsman Scheme, 1995.
3. The District Consumer Forum under Consumer Protection Act, 1985.

The addresses/telecommunication details/E-mail address of Regional Offices, Head Office are given in annexure – B .

ANNEXURE-B
CICH-PP

ANNEXURE - A

UCO BANK

TIME-NORMS FOR VARIOUS BANKING TRANSACTIONS

• For Cash Payment
  a) Through teller : 3 to 8 minutes
  b) Through cashier : 8 to 15 minutes

• Receipt of cash : 10 to 20 minutes

• For issuance of dd/fdr : 15 to 25 minutes

• Payment of demand drafts 10 to 20 minutes

• Payment of fixed deposit receipt 15 to 20 minutes

• Opening of an account 20 to 25 minutes

• Retirement of bills 20 to 30 minutes

• Updation of pass books 5 to 15 minutes

• Statement of accounts Within 7 days

• Collection of Cheques:
  Local :
  1 to 4 days
  Outstation :
  7 days for National Clearing
  10 days in case of State Capitals other than
  North Eastern States and Sikkim.
  14 days for rest of the country.

CICH-PP

RESERVE BANK OF INDIA (RBI)
DEPARTMENT OF CURRENCY MANAGEMENT

1. Objective of the Citizens' Charter
   This Citizen's Charter provides information on various facilities provided by the Reserve Bank of India in the matter of exchange of notes and coins and the common standards of the services provided at RBI Issue Offices and commercial bank branches.
     
2. Services Available at RBI Issue Offices
   The RBI Offices, where Issue Department is functioning, offer the facility to members of the public to exchange their notes including soiled and mutilated notes and coins including uncurrent or worn out coins. The Bank is committed to provide exchange facility free of cost at its counters during business hours.
     
3. Names of RBI Offices which provide exchange facilities
   The facilities are provided at the counters of the Bank's Regional Offices located at Ahmedabad, Bangalore, Belapur (Navi Mumbai), Bhopal, Bhubaneswar, Chandigarh, Chennai, Guwahati, Hyderabad, Jaipur, Jammu, Kanpur, Kochi, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Patna and Thiruvananthapuram.
     
4. Exchange of notes into coins with the help of coin dispensers
   Members of the general public can also get their notes exchanged into coins using the coin dispensers installed in the banking halls of the Reserve Bank's Regional Offices.
     
5. Exchange of soiled and mutilated notes and coins at the Bank's public counters

Members of the general public can avail themselves of the following facilities at the counters of the Bank's Offices.

1. Exchange soiled notes. A note which has become limp or which has developed minor cuts due to wear and tear or which is disfigured by oil, colour, ink, etc. will be treated as soiled note. To facilitate easy exchange, notes which have been divided vertically through or near the centre with numbers intact are also treated as soiled notes. Notes on which political or religious slogans are written are not exchangeable under any circumstances.
2. Exchange mutilated notes. A mutilated note is a note of which a portion is missing or a note which is composed of pieces, provided that the note presented is not less than half of the area of the note and that, if the note is composed of a note joined together, each piece is, in the opinion of the 'Prescribed Officer' [as defined in the RBI (Note Refund) Rules] identifiable as part of the same note.

The RBI (Note Refund) Rules, 1975 (as amended upto 1980) are posted on the RBI Website http://www.rbLora.in under the Head "Publications" and Sub-Head "Occasional Publications".

3. Exchange of coins including uncurrent coins into notes or coins.

6. Exchange of mutilated/ cut notes received through the Triple Lock Receptacle or by Post
   In order to provide note exchange facility to members of the public who cannot wait at the Bank's counters to tender their mutilated/ cut notes, the Bank's Offices provide a facility of depositing mutilated/cut notes in a locked box called "Triple Lock Receptacle (TLR)". The TLR box is kept near a specified counter and notes can be dropped into the box in a closed cover which can be obtained from the enquiry counter. The tenderers are required to write the particulars of the notes tendered by them, their name, address and bank account number on the cover. Members of the public can also send mutilated notes by insured and registered post to RBI Offices. In their own interest, such covers should be sent through Registered and Insured post. The exchange value of notes which are found payable under the Note Refund Rules is credited to the bank account of the tenderer through Electronic Clearing Service/EFT which is at present free of cost. In case the tenderer does not have bank account or the place where he resides does not have a clearing service/ provision of EFT, the exchange value is remitted by means of bank draft/money order at the cost of the tenderer. The TLR facility is available only for mutilated/cut notes and not for soiled notes.
       
7. General Conditions of Service
   1. The exchange facility over the Bank's counters is available during the business hours of the respective Regional Office-and is free of cost.
   2. The serial numbers of counters where exchange facility is made available at each Office are displayed at the banking hall of each Office of the Bank.
   3. Mutilated/cut notes in closed covers are received in Triple Lock Receptacle upto one hour after the close of normal business hours.
   4. The mutilated/cut notes are exchanged by the Bank as of grace under the Reserve Bank of India (Note Refund) Rules. When the mutilated/cut note is not found payable under the Rules, the same is rejected and rejection advice issued to the tenderer. The rejected note is retained by the bank and destroyed after four months.
   5. Notes/coins which are found to have been forged/ counterfeited are impounded and no value thereof is paid. Such notes/coins are retained by the Bank after issue of advice to the tenderer.
   6. The security features of the bank notes issued by RBI are furnished as information to members of the public in the Bank's website.
   7. In case any member of the public faces any difficulty in getting the above exchange facilities at any RBI Offices or i: asked for any bribe, he may record a complaint in the complaint book/register maintained at the enquiry counter of the Regional Office or bring it to the notice of the in-charge of the Issue Department of the respective RBI Office. The designation and addresses of the in-charges are furnished in the Annexure.
   8. The staff and officers of the Reserve Bank will treat each member of the public with courtesy and consideration. The staff will be helpful and will attend promptly to the customer's enquiries and complaints.
         
8. Exchange of soiled and mutilated notes and coins at the counters of commercial banks

1. Offices of the Reserve Bank are located at selected centers. The Bank has, therefore, made arrangement for provision of the facility of exchange of soiled notes, exchange of notes to coins and coins to notes at the branches of scheduled commercial banks. While the facility for exchange of soiled notes is available 3t all branches of public sector banks and currency chest branches of private sector banks, the facility of exchange of mutilated / cut notes is available only at the currency chest branches of commercial banks. A list of the currency chest branches where the mutilated notes can be exchanged is available at the enquiry counter of the RBI Offices. Such currency chest branches also have instructions to display notice board regarding availability of mutilated notes exchange facility. In case any such branch refuses to provide the exchange facility, aggrieved members of the public can complain to the Chairman and Managing Director/CEO of the commercial bank concerned. In case the grievance is not redressed, the matter may be brought to the notice of the concerned Regional Office of Reserve Bank of India.
2. Branches of other banks i.e. Co-operative Banks and Regional Rural Banks are expected to exchange notes and coins at their convenience. They, however, do not have powers to exchange mutilated notes.

9. Suggestion/Comment
   In case any member of the public has any suggestion/comment to offer in regard to the Citizens' Charter, he may write to the Chief General Manager, Department of Currency Management, Reserve Bank of India, Central Office, Shahid Bhagat Singh Marg, Mumbai - 400 001.
   

ANNEXURE

Addresses of RBI Issue Offices and their Jurisdiction