RBI/ 2013-14/25 UBD.BPD. (PCB).MC.No. 10 /12.05.001/2013-14 July 1, 2013 The Chief Executive Officers of All Primary (Urban) Co-operative Banks Dear Sir/Madam Master Circular on Customer Service - UCBs Please refer to our Master Circular UBD.BPD.(PCB).MC No. 10/ 12.05.001/2011-12 dated July 2, 2012 on the captioned subject (available at RBI website www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions / guidelines on the subject i

RBI/2012-13/176 RPCD.CO.RRB.RCB.BC.No.25/03.05.33/2012-13 August 23, 2012 All Regional Rural Banks / State and Central Co-operative Banks Dear Sir, Repayment of Term/Fixed Deposits with 'Either or Survivor' or 'Former or Survivor' Mandate It has come to our notice that some Regional Rural Banks (RRBs) / State and Central Co-operative Banks (StCBs/DCCBs) insist on the signatures of both the depositors to allow repayment of money in fixed/term deposits, though the depos