Citizen Charter

Deposit Policy

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Citizen Charter

Policy for settlement of claims in respect of deceased depositors

Sr.No	Particulars
1	Policy for settlement of claims in respect of deceased depositors

Release of Movable/Immovable property documents on Repayment /Settlement of Personal Loans to legal heirs

Sr.No	Particulars
1	Release of Movable/Immovable property documents on Repayment /Settlement of Personal Loans to legal heirs

Comprehensive Deposit Policy

Sr.No	Particulars
1	Comprehensive Deposit Policy

Comprehensive Interest rate Policy

Sr.No	Particulars
1	Comprehensive Interest rate Policy

Bank's Cheque Collection Policy

S No.	Notice Name
1	Bank’s Cheque Collection Policy

Fair Practice Code for Lenders

Sr.No	Particulars
1	Fair Practice Code for Lenders

Integrated Banking Ombudsman Scheme

Sr.No	Particulars
1	Integrated Banking Ombudsman Scheme

Banks Compensation Policy

Sr.No	Particulars
1	Banks Compensation Policy

Collection of Dues and Recovery Policy

Sr.No	Particulars
1	Collection of Dues and Recovery Policy

Financial Inclusion

The roadmap to success for SHG/JLG

Sometimes all you need is a small credit to start making huge debits. For any productive / income generating purpose as per credit policy SHG/JLG can avail this loan to start making progress.

SHGs are small groups- formal or informal, of individuals promoting saving habit among members. These savings are then lent by the group to the members for income generating purpose, and to provide financial support to the member in need. This group has to maintain proper accounts and records at all times, JLG is an informal group of individuals coming together for the purpose of availing a bank loan either singly or through the group mechanism against mutual guarantee in order to engage in similar type of economic activities.

Policy for Customer Grievances

Sr.No	Particulars
1	Policy for Customer Grievances

Customer Protection – limiting liability of Customers in unauthorized electronic banking transactions

Sr.No	Particulars
1	Customer Protection – Limiting liability of customers in unauthorised electronic Banking Transactions

IMPS (Immediate Payment System)

Transfer funds on real time basis!

A robust payment system specially designed to economically enable you to transfer your funds to the beneficiary’s account in the real-time offering, a secure and instant 24´7 interbank electronic fund transfer at your service. You can access these services across multiple channels through, IM Banking [or CosmoNet] via Mobile or Computer throughout the year including, Sundays and Bank holidays.

NEFT (National Electronic Fund Transfer)

Small transfers or big We got you covered!

An established and centralized electronic payment system (maintained by RBI) that facilitates an efficient, secure, cost-effective, reliable, and expeditious system of direct one-to-one funds transfer and clearing in the banking sector across India.

NEFT enables you to electronically transfer funds from any bank branch to any individual with an account with any other bank branch in the country. The objective is to relieve the stress on the existing paper-based fund's transfer and clearing system.

RTGS (Real Time Gross Settlement)

Rapid and reliable payment system!

A special fund transfer system where there is a continuous and real-time settlement of fund transfers, individually on a transaction-by-transaction basis. Real-time means that instructions are processed as soon as they are received, whereas gross settlement means that individual funds transfer instructions are settled.

It is a fund mechanism that enables you to transfer money/ securities instantly (in real-time). Once processed, real-time gross settlement payments are final and irrevocable.

Policy regarding resolution of COVID 19 related stress of Individuals and Small Businesses

S No.	Notice Name
1	Policy regarding resolution of COVID 19 related stress of Individuals and Small Businesses

Policy regarding resolution of COVID 19 related stress of Micro, Small & Medium Enterprises

S No.	Notice Name
1	Policy regarding resolution of COVID 19 related stress of Micro, Small & Medium Enterprises

Statutory Auditors Appointment Procedure

S No.	Notice Name
14	Statutory Auditor’s Appointment Procedure

Safe Deposit Vaults (Lockers)

It is an ancillary service offered by the Bank which gives our customers a completely secured facility for safekeeping valuable items, confidential documents and other valuables against from any unfortunate incident.

Forex Operations Policies & Service Guidelines

Sr.No	Particulars
1	Forex Operations Process Manual
2	Forex Services Citizen's Charter