REORGANISATION

In order to facilitate quick decision-making and to suit the changing requirements, the organisational structure has been revamped. More specialised branches like Personal Banking Branches, Corporate Branches, Small Scale Industries Branches, Hitech Agricultural Finance Branches, Housing Finance Branches, Capital Market Branches, Overseas and NRI Branches have been opened at important centres.

TRANSPARENCY AND SECRECY

We will ensure that there would be transparency in all business operations at all stages. Customers will be educated about the various products and facilities available. An uniform strategy will always be adopted to eliminate any possibility of discrimination on caste, creed and religion or economic status of the clients. Secrecy norms will be simultaneously observed to protect the interests of our customers.

SURVEYS BY OUTSIDE AGENCIES

All steps will be taken to improve Customer Service and enhance customer satisfaction. Towards this end, our services will be got evaluated through outside reputed marketing agencies with a view to assessing the quality of services extended at the branches and to ensure that our customer service match the expectations of our various clientele.


COMMON PRACTICES FOLLOWED BY OUR BRANCHES

1. Display business hours.

2. Render courteous services.

3. Attend to all customers present in the banking hall at the close of business hours.

4. Provide separate 'Enquiry' or 'May I help you counter' at large branches.

5. Offer nomination facility to all deposit accounts (i.e. account opened in individual capacity) and all safe deposit locker hirers (i.e. individual hirers).

6. Display interest rates for various deposit schemes from time to time.

7. Notify change in interest rates on advances.

8. Provide details of various deposit schemes/services of the Bank.

9. Issue Demand Drafts, Pay Order etc.

10. Display time norms for various Banking transactions.

11. Pay interest for delayed credit of outstation cheques, as advised by Reserve Bank of India (RBI) from time to time.

12. Accord immediate credit in respect of all outstation cheques upto a specified limit subject to certain conditions, as may be advised by RBI from time to time.

13. Provide complaint / suggestion box / register in the branch premises.
14. Display address of Zonal and Head Offices as well as Nodal Officer dealing with customer grievances/complaints.


FAIR BANKING PRACTICES

Customers are requested to please

1 Ensure safe custody of the 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 the 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 Regd. Post or Courier.

7 Bring pass book while withdrawing cash from savings bank account through withdrawal slip. Please get passbook updated from time to time

8 Use nomination facility.

9 Note down account numbers, details of FDR, locker numbers, etc.
separately.

10 Inform promptly 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 for repeat transactions.

13 Provide feedback on our services.

14 Pay interest, instalments, locker rent and other dues on time.

15 Avail services such as ATM, MBB, EFT, ECS, SMS and Internet Banking etc., if offered by the branch.

16 Bring any deficiency in services to the notice of the branch.

17 Not to sign blank cheque/s. So also do not record your specimen signature either on pass book or on cheque book.

18 Not to introduce any person who is not personally known to you for
the purpose of opening account.