CONSUMER EDUCATION AND PROTECTION

The Reserve Bank’s approach to customer service focusses on protection of customers’ rights, enhancing the quality of customer service, spreading awareness and strengthening the grievance redressal mechanism in banks and also in the Reserve Bank.

Payment System

1. Paper based clearing

Clearing Houses

MICR codes

MICR Codes of Bank Branches under the Jurisdiction of MICR Centres

MICR Codes of Bank Branches under the Jurisdiction of non-MICR Centres

Speed Clearing

Cheque Truncation System

Procedural Guideline for Cheque Truncation System

Uniform Regulations and Rules for Bankers' Clearing Houses

2. Real Time Gross Settlement

RTGS Holiday

RTGS Membership Regulations

Application Associated Documents and we

Frequently Asked Questions

List of RTGS enabled bank branches

3. National Electronic Funds Transfer

Procedural Guidelines

List of Participants

List of NEFT enabled bank branches (Consolidated Indian Financial System Code)

List of NEFT enabled bank Branches (Bank-wise Indian Financial System Code)

Customer Facilitation Centres

Application for participation in NEFT System

FAQs on NEFT System

FAQs on Indo-Nepal Remittance Facility scheme

4. Electronic Clearing Services

Bank Branches participating in ECS Centre-wise

Procedural Guidelines – ECS (Credit)

Procedural Guidelines – ECS (Debit)

List of ECS Centres

FAQs on ECS

5. National Electronic Clearing Services

Procedural Guidelines

Bank Branches participating in NECS Centre-wise

6. Customer Facilitation Centres for NEFT and RTGS

Customer Facilitation Centres – NEFT

7. Authorisation of Payment and Settlement Systems Operators

Application Form and Instructions for Authorisation under PSS Act (Central Government Circular)

Application Form for seeking Authorisation under PSS Act

List of Authorised Entities - Payment System Operators

List of Banks Permitted to Provide Mobile Banking Service in India

List of Banks permitted for issuance and operation of Prepaid Payment Instruments in India

List of Banks permitted to operate as Bharat Bill Payment Operating Unit (BBPOU)