Misc. / Ancillary Services

Safe Deposit Lockers

Safe deposit lockers may be hired at select branches by an individual (being not a minor) singly or jointly with another individual(s), HUFs, firms, limited companies, associates, societies, trusts etc. Nomination facility is available. In the absence of nomination or mandate for disposal of contents of lockers, the bank will release the contents of locker to the legal heirs against indemnity on the lines as applicable to deposit accounts

The major aspects governing the locker services are:

• Loss of key should be immediately informed to the Branch.
  
  
• Lockers are available in different sizes.
  
  
• Lockers are rented out for a minimum period of one year. Annual rent is payable in advance.
  
  
• With standing instruction, the rent may be paid from the deposit account of the hirer.
  
  
• The Bank reserves right to break open the locker if the rent is not paid in spite of giving notices as per the Bank rules and recover charges thereof.

Articles in Safe Custody

Articles like Wills, property papers, FDRs etc., can be kept in safe custody with the Bank on payment of prescribed charges wherever such facility is offered.

Depository Services

Our select branches are offering Demat Services as Depository Participant, through NSDL/CDSL and perform the following functions:

• Dematerialisation and rematerialisation of Securities
  
  
• Maintain investor's holdings in electronic form
  
  
• Effect settlement of securities traded on the exchanges
  
  
• Carry-out settlement of trades not done on stock exchanges i.e. off market trades

Depository also provides the investors with the facility to pledge/hypothecate security held in the Demat form. The securities lying in the Demat account of the investor can be pledged in favour of the lender.

Exchange of Soiled / Slightly Mutilated Currency Notes

All the branches of the Bank will exchange soiled / slightly mutilated currency notes of all denominations freely. The Bank's currency chest branches will exchange all categories of mutilated currency notes. Currency exchange facility is offered to the Bank's customers and others. RBI has permitted the banks to exchange mutilated currency notes which are genuine and where mutilation are such as not to cause suspicion or fraud.

Clean Note Policy

Clean Note Policy is implemented in all our branches of the Bank and under the policy branches make payment of notes in unstitched and unstapled packet. The customer receiving payment should count notes and ensure correctness before leaving the cash counter. Customers are advised to avoid writing anything on the face of the notes and co-operate with us by tendering unstapled / unstitched notes as required under clean Note Policy.

> Our Commitment and Responsibilities
> Common Practices followed by our Branches
> Safeguards
> Common areas of Customer – Banker relationship
> Time - Norms for various banking transactions
> Extended Banking Hours
> Customer Communication
> Banking Ombudsman Scheme, 2006
> Redressal of Complaints
> Other customer centric initiatives