tailieunhanh - Policy on Collection of Cheques / Instruments

At a time when customers are ready to shift loyalty at the drop of a hat, acting on customer preferences can maximize a bank’ s competitive edge, allowing it to offer specific customer- centric products before the competition does. Once a customer’ s profile is consolidated, it is a simple matter of interpreting her requirements and delivering on them as quickly as possible. Banks must also use their integrated customer profile to sort out customer irritants as quickly as they occur . Integration of a bank’ s multiple channels helps provide a 360-degree profile of customers, their interactions, accounts, transactions, and. | Policy on Collection of Cheques Instruments 1. Introduction Keeping in view the technological progress in payment and settlement systems and the qualitative changes in operational systems and processes that have been undertaken by a number of banks the Reserve Bank of India had with effect from 1st November 2004 withdrawn its earlier instructions to commercial banks on i Immediate Credit of local outstation cheques ii Time Frame for Collection of Local Outstation Instruments and iii Interest Payment for Delayed Collection. The withdrawal of these mandatory guidelines was expected to enable market forces of competition to come into play to improve efficiencies in collection of cheques and other instruments. This collection policy of our Bank is a reflection of our on-going efforts to provide better service to our customers and set higher standards for performance. 2. Purpose Objective The over-riding objective of the policy is to put in place a normative framework for collection of cheque and other instruments for Bank s customers adherence to such norms and customer compensation in case of delay. The policy is based on principles of transparency and fairness in the treatment of customers. The bank is committed to increased use of technology to provide quick collection services to its customers. 3. Scope Coverage This policy document covers the following aspects Collection of cheques and other instruments payable locally at centres within India and abroad. Our commitment regarding time norms for collection of instruments. Policy on payment of interest in cases where the bank fails to meet time norms for realization of proceeds of outstation instruments. Our policy on dealing with collection instruments lost in transit. 4. Arrangements for Collection Branches will receive the cheque for collection clearing throughout the business hours. . Local Cheques All cheques and other Negotiable Instruments payable locally would be presented through the clearing system .

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