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DBOD.No. BL.BC.11 /22.01.001/2006 DT. 01/07/2006 (PART-I)

Section 23 of Banking Regulation Act, 1949-Master Circular on Branch Authorisation
As you are aware, with the announcement of the revised policy on branch authorisation, the Reserve Bank of India had issued a Master Circular DBOD.No. BL.BC.36/22.01.001/2005 dated September 8, 2005 on the captioned subject, which is now updated upto 30th June 2006. A copy of the revised Master Circular is enclosed. It may be noted that the Master Circular consolidates and updates all the instructions contained in the circulars listed in the Appendix, in so far they relate to branch authorisation. The Master Circular has also been placed on the RBI website (http://www.rbi.org.in).

2. Foreign banks may be guided by paragraph 16 of this Master Circular.

Yours faithfully,

(P Vijaya Bhaskar)
Chief General Manager

Encls. : as above

Master Circular on Branch Authorisation
I. POLICY ASPECTS

1. Legal Requirement

The opening of new branches and shifting of existing branches of banks is governed by the provisions of Section 23 of the Banking Regulation Act, 1949. In terms of these provisions, banks cannot, without the prior approval of the Reserve Bank of India (RBI), open a new place of business in India or abroad or change, otherwise than within the same city, town or village, the location of the existing place of business. Section 23 (2) of the Banking Regulation Act lays down that before granting any permission under this section, the Reserve Bank may require to be satisfied, by an inspection under Section 35 or otherwise, as to the financial condition and history of the banking company, the general character of its management, the adequacy of its capital structure and earning prospects and that public interest will be served by the opening or, as the case may be, change of location of the existing place of business. Therefore, it is mandatory for commercial banks and urban cooperative banks to obtain prior approval of Reserve Bank before opening a new branch/ office. Commercial banks including Local Area Banks (other than RRBs) should approach Department of Banking Operations & Development, Central Office, Urban Co-operative Banks should approach Urban Banks Department and Regional Rural Banks should approach Rural Planning and Credit Department in this regard.

The following guidelines relate to the policy for authorisation of branches in India.

2. Definition

For the purpose of branch authorisation policy, a “branch” would include a full-fledged branch, a satellite office, an Extension Counter, an off-site ATM (Automated Teller Machine), administrative office, controlling office, service branch (back office or processing centre) and credit card centre. A call centre will not be treated as a branch. A call centre is one where only accounts or product information is provided to the customer through tele-banking facility and no banking transaction is undertaken through such centres. Also, no direct interface with clients/ customers is permitted at call centres.

3. Branch Authorisation Policy

(i) With the objective of liberalising and rationalising the branch authorisation policy, it has been decided to put in place a framework for a branch authorisation policy which would be consistent with the medium term corporate strategy of banks and public interest. In addition to the requirement relating to the financial condition and history of the banking company, the general character of its management, the adequacy of its capital structure and earning prospects, the branch authorisation policy framework would have the elements enumerated in the following paragraphs.

(ii) As regards the public interest dimensions of the policy framework, the following aspects would be kept in view in processing the authorisation requests:

(a) The RBI will, while considering applications for opening branches give weightage to the nature and scope of banking facilities provided by banks to common persons, particularly in underbanked areas, actual credit flow to the priority sector, pricing of products and overall efforts for promoting financial inclusion, including introduction of appropriate new products and the enhanced use of technology for delivery of banking services.

(b) Such an assessment will include policy on minimum balance requirements and whether depositors have access to minimum banking or “no frills” banking services, commitment to the basic banking activity viz., acceptance of deposits and provision of credit and quality of customer service as, inter alia, evidenced by the number of complaints received and the redressal mechanism in place in the bank for the purpose.

(c) The need to induce enhanced competition in the banking sector at various locations.

(d) Regulatory comfort will also be relevant in this regard. This would encompass:

· compliance with not only the letter of the regulations but also whether the bank’s activities are in compliance with the spirit and underlying principles of the regulations.

· the activities of the banking group and the nature of relationship of the bank with its subsidiaries, affiliates and associates.

· quality of corporate governance, proper risk management systems and internal control mechanism.

(iii) As regards the procedural aspects, the existing system of granting authorisations for opening individual branches from time to time has been replaced by a system of giving aggregated approvals, on an annual basis, through a consultative and interactive process. Banks' branch expansion strategies and plans over the medium term would be discussed by the RBI with individual banks. The medium term framework and the specific proposals would cover the opening, closing, shifting, merger and conversion of all categories of branches including ATMs. Normally, the authorisations/ approvals, given on an annual basis would be valid for one year, from the date of communication.

(iv) In terms of the new branch authorisation policy, banks will not be required to approach Regional Offices of Reserve Bank of India for “licence”. Banks are advised to follow the undermentioned procedure scrupulously, in order to comply with the requirements of Section 23 of Banking Regulation Act, 1949.

II. PROCEDURAL ASPECTS

4. Procedure for application

Based on the medium term strategy and considerations outlined in paragraph 3 above, banks should submit on an annual basis detailed proposals for opening new branches at specific centres in the prescribed Form VI (Rule 12) in terms of Banking Regulation (Companies Rules), 1949, to the Department of Banking Operations and Development, Central Office, Reserve Bank of India, Mumbai for approval. The Proforma of Form VI is enclosed in Annex - I. The summary of branches and off-site ATMs proposed to be opened may be submitted as per proformae in bilingual format in Annex II & III. Along with this, information sought in Annex IV (A, B, C) should also be furnished. The Form VI is not required to be submitted in respect of Off-site ATMs, Administrative Offices/ Controlling Offices, Credit Card Centres and Back offices/ Processing Centres.

Banks are free to submit their annual branch expansion plan any time during the year. It is not linked either to the financial year or calendar year. The annual branch expansion plan should include specific proposals for opening, closing, shifting, merger and conversion of branches where approval of RBI is required in terms of the extant instructions. Conversion would include upgradation of Extension Counter into a full-fledged branch, conversion of a specialised branch into another category of specialised branch or into a general banking branch. Requests for conversion of a general banking branch into a specialised branch would be examined on a case-to-case basis. The annual branch expansion plan will be discussed with the bank, normally, within four weeks from its submission and approvals thereof will be communicated thereafter.

Notwithstanding the above, banks may approach RBI for any urgent proposals regarding opening of branches, especially in rural/ underbanked areas, anytime during the year, in addition to the approvals given under the annual plan, which would be considered on merit.

5. Validity of authorisations

(a) The validity of the authorisation granted would be one year from the date of the issue of consolidated letter of authorisation/ permission issued to banks.

(b) In exceptional cases, where the premises/ infrastructure is ready, and the bank is unable to open a particular branch due to any genuine reason during the validity period of one year, they may approach the Regional Office concerned of RBI, for extension of time not exceeding three months. In such matters, banks will be required to furnish complete address of the proposed branch and reasons for delay.

(c) At centres where a bank fails to open a branch within the validity period of the authorisation i.e. one year (or within the extended time of three months, as the case may be), the permission granted would automatically lapse and no further extension of time would be granted. In case the bank is still interested in opening the branch at that centre, it should include the same in the next annual branch expansion plan.

6. Opening of branches

Banks may include all proposals for opening of branches in the annual branch expansion plan. Banks may note that for opening of rural branches approval of District Consultative Committee (DCC) is not required. Banks are encouraged to open branches in under banked districts and rural centres. In order to facilitate banks to identify centres in underbanked districts, a list of such districts is given in Annex V.

Further, new private sector banks are required to open 25% of their branches in semi urban and rural centres on an ongoing basis.

6.1 Substitution of centre

While finalising the centre/ place for opening of a branch, banks should make proper assessment, keeping in view the potential for opening of the branch thereat. Nonetheless, banks seeking substitution of centres should approach DBOD, CO alongwith reasons thereof, once in a year. All such requests will be examined on a case-to-case basis. Substitution of centres would be allowed to centres of a similar population group or to a lower population group provided banks undertake to open the branch within the period of validity of authorisation issued.

7. Setting up of Central Processing Centres/ Back offices

Banks may also set up Central Processing Centres (CPCs)/ Back Offices exclusively to attend to back office functions such as data processing, verification and processing of documents, issuance of cheque books, demand drafts etc. on requests received from other branches and other functions incidental to banking business. These CPCs/ Back Offices should have no interface with customers. These CPCs/ Back Offices would be termed as Service Branches and would not be allowed to be converted into General Banking Branches. The proposals for these CPCs/ Back Offices may be included in the annual branch expansion plan.

8. Call Centres

As no banking transaction is undertaken at a call centre, no permission is required for establishment of a “call centre” as defined in paragraph 2. However, details of opening, closure and shifting of call centres should be reported to RBI as provided in paragraph 15.

9. Shifting of branches

Shifting of branches should be part of the medium term corporate strategy of branch expansion. Accordingly, proposals requiring approval of RBI should be included in the annual branch expansion plan as per proforma in Annex VI. Banks should, however, ensure that customers of the branch, which is being shifted, are informed well in time before actual shifting of the branch so as to avoid inconvenience.

9.1 Shifting within the centre (city/ town/ village)

Banks have been given freedom to shift a branch to any location within the centre (city/ town / village) without seeking prior approval from RBI. However, banks should ensure that the new address is communicated to the Regional Office concerned of RBI after the branch starts functioning from the new address/ location . No amendment in licence would be required in such cases. The Regional Office concerned of RBI will confirm in writing of having taken on record the new address/ location. As such, these cases should not be included in the annual branch expansion plan for our approval.

9.2 Rural branches

9.2.1 Within the block

Banks are free to shift their rural branches within the block without obtaining prior approval from RBI. However, banks while considering requests for shifting of rural branches should keep in mind the role entrusted to these branches under the Government sponsored programmes. The shifting of branches should also meet the following minimum criteria:

i) The new centre is of the same or lower population group as the existing centre e.g. a branch at a rural centre can be shifted to another rural centre only; and

ii) A branch located in underbanked district can be shifted to another centre in an underbanked district only.

9.2.2 Outside the Block

Requests for shifting of branches from centres, which are served by more than one commercial bank branch (excluding Regional Rural Bank branch ) outside the block should be included in the annual branch expansion plan and the same will be considered based on the following parameters:

i) Branches being shifted are in existence for five years or more and are incurring losses consecutively for the last three years;

ii) Branches located at centres prone to certain natural risks such as, floods, landslides or likely to be submerged due to construction of dams or affected by any natural calamities etc;

iii) Branches functioning in places where law and order problem, insurgency or terrorist activities pose threat to bank personnel and property;

iv) Branches where the premises occupied by the bank are in a dilapidated condition or burnt/destroyed and no suitable premises are available at the centre etc.

9.3 Metropolitan, Urban and Semi Urban branches

The banks may at their discretion shift their branches in metropolitan/ urban/ semi-urban centres within the municipal revenue limit of that centre i.e. city/ town without prior approval from RBI. Banks may also shift their branches within the same State subject to the minimum criteria stated in para 9.2.1 above. In case the bank was issued a licence for that branch in terms of the earlier policy, the same may be got amended from the Regional Office concerned before shifting.

10. Conversion of branches

10.1 Conversion of Specialised branch

Banks may convert a specialized branch into another category of specialized branch or a general banking branch at their discretion. However, it may be ensured that details thereof are advised to the Regional Office concerned of RBI promptly after the conversion. No amendment in licence would be required. The Regional Office concerned would confirm having taken on record the new nomenclature of the branch. Such cases should not be included in the annual branch expansion plan for our approval.

Proposals for conversion of general banking branches to any type of specialized branch should be included in the annual branch expansion plan for our approval. Such requests would be examined on a case-to-case basis. Details of such requests may be furnished in Annex VII.

10.2 Upgradation of Extension Counters into full-fledged branches

Banks are free to convert their existing Extension Counters into full-fledged branches as per their discretion and relocate them within that centre. Banks should surrender the licences of Extension Counters and obtain a permission letter for full-fledged branch in lieu of Extension Counter, from the Regional Office concerned. Such cases should not be included in the annual branch expansion plan for our approval.

10. 3 Conversion of Rural branch into Satellite Office

Conversion of a rural branch into satellite office is generally not favoured. However, in exceptional cases, proposals for conversion of rural branches into satellite offices should be submitted along with the annual branch expansion plan after obtaining the approval from the District Consultative Committee (DCC). After receiving approval from us, licence of the branch should be surrendered to the Regional Office concerned for cancellation.

11. Merger of branches

11.1 Sole Rural/ Semi Urban Branch (assigned responsibility under Government sponsored programme)

As a matter of policy, merger of a sole rural branch is not permitted, as merging the same with a branch outside the centre would render the centre unbanked. Also, a sole semi-urban branch, assigned responsibility under Government sponsored programme is not permitted to be merged with another branch outside the centre. Under exceptional/ unforeseen circumstances, if the bank is compelled to merge any sole rural/ semi urban branch, DCC approval should be obtained and true copy thereof should be attached with the request for our consideration. Details of such proposals for rural and semi urban branches are required to be furnished to us for our approval as per proforma in Annex VIII.

11.2 Metropolitan, Urban and Semi Urban branches

Banks may merge one branch with another branch at Metropolitan, Urban and Semi-urban centres (not assigned any responsibility under Government sponsored programme), without our approval, after giving suitable notice to the customers of that branch. Such cases should not be included in the annual branch expansion plan for our approval.

After merger the licence of the merged branch should be surrendered to the the Regional Office concerned for cancellation.

12. Closure of branches

12.1 Rural branches

Closure of rural branches would require prior permission of Reserve Bank of India. While closure of even loss making branches at rural centres having a single commercial bank branch (excluding Regional Rural Bank branch) is not permitted, proposal for closure of a branch served by more than one commercial bank branch should be included in the annual branch expansion plan after obtaining approval of District Consultative Committee (DCC). Details of such proposals are required to be furnished to us for our approval as per proforma in Annex IX.

12.2 Metropolitan, Urban and Semi-Urban branches

Banks are permitted to close any branch in metropolitan, urban and semi-urban (not assigned responsibility under Government sponsored programme) centres, after giving due notice to the customers, without seeking prior approval from RBI. Where a semi-urban branch has been assigned a role under the Government sponsored programmes, the bank should keep this aspect in mind before considering closure of the said branch and include such proposals in the annual branch expansion plan for our approval as per proforma in Annex IX.

After closure of the branch the licence should be surrendered to the Regional Office concerned of RBI for cancellation.

III. MISCELLANEOUS ASPECTS

13. Acquisition of premises - Opening of branches

Banks, while acquiring premises for opening of a branch should ensure that the location of the branch complies with the local norms/ laws of Municipal Corporation/ Nagarpalika/ Town area authority or any other competent authority.

14. Population group-wise Classification of Centres

For the purpose of correct classification of a centre (city/ town/ village) i.e. rural, semi urban, urban or metropolitan, the bank should mention correct name of the revenue centre and not just the locality. For this purpose, clarification can also be obtained from the Block Development Officer, Village Panchayat, Tehsildar/ Municipality or Municipal Corporation Office/ Office of the District Collector or District Census Authority. Further, banks may also ascertain the population group-wise classification of the centre from the Department of Statistical Analysis & Computer Services (DESACS), Reserve Bank of India, Banking Statistics Division, C-8/9, Bandra-Kurla Complex, Mumbai-400 051, before approaching DBOD CO with their annual branch expansion plan proposals.

15. Reporting to Reserve Bank of India

(a) Reporting to Regional offices

Banks should immediately report details of opening of a new place of business, closure, merger, shifting or conversion of any existing place of business to the Regional Office concerned of Reserve Bank of India except in respect of branches in Maharashtra and Goa, where it should be reported to DBOD CO, Mumbai.

The banks should also report the details of opening, closure and shifting of call centres to the to the Regional Office concerned of Reserve Bank of India.

(b) Branch Banking Statistics

Banks should submit within fourteen days of every quarter, information relating to opening, closure, shifting and conversion of branches in Proformae I & II (Annex X) to Department of Statistical Analysis and Computer Services, (Banking Statistics Division) and the Regional Office concerned of RBI. Further, information in respect of Authorised Dealer (AD) branches should be submitted on an on going basis. A ‘Nil' statement must be submitted in case there is nothing to report.

16. Foreign Banks

The branch authorization policy for Indian banks shall also be applicable to foreign banks subject to the following:

· Foreign banks are required to bring an assigned capital of US$25 million up front at the time of opening the first branch in India.

· Existing foreign banks having only one branch would have to comply with the above requirement before their request for opening of second branch is considered.

· Foreign banks will be required to submit their branch expansion plan on an annual basis.

· In addition to the parameters laid down for Indian banks the following parameters would also be considered for foreign banks:

o Foreign bank’s and its group’s track record of compliance and functioning in the global markets would be considered. Reports from home country supervisors will be sought, wherever necessary.

o Weightage would be given to even distribution of home countries of foreign banks having presence in India.

o The treatment extended to Indian banks in the home country of the applicant foreign bank would be considered.

o Due consideration would be given to the bilateral and diplomatic relations between India and the home country.

o The branch expansion of foreign banks would be considered keeping in view India’s commitments at W.T.O. ATMs would not be included in the number of branches for such computation.

Accordingly, foreign banks should submit their annual branch expansion plan to the Department of Banking Operations and Development, International Banking Division, Central Office, Mumbai.

Annex I
Annual Branch Expansion Plan

(FORM VI)
Form of application for permission to open a new place of business or change the location (otherwise than within the same city, town or village) of the existing place of business under Section 23 of the Banking Regulation Act, 1949 - Banking Regulation (Companies) Rules 1949 Rule 12 Form VI

Address .................

Date ......................

........................................
Department of Banking Operations and Development
Reserve Bank of India
.............................

Dear Sir,

We hereby apply for permission to * open a new place of business / change the location at .................. of an existing place of business from ................ to ................ in terms of section 23 of the Banking Regulation Act, 1949. We give below the necessary information in the form prescribed for the purpose.

Yours faithfully,

Signature ................

1. Name of the Banking Company

2. Proposed Office

(Give the following information)

3. Previous application:
(Give particulars of applications
if any previously made to the
Reserve Bank in respect of the
proposed place of business)

4. Reasons for the proposed office:
(State detailed reasons for the
proposed office and give statistics
and other data, as under, which may
have been collected for the proposed
office)

(i) Population of the place:
@(ii) Particulars of the command
area (i.e. the area of the
operation of the proposed
office):

(a) Approximate radius of
the command area :

(b) Population :

(c) Number of villages in
the command area :

iii) The volume and value of the agricultural, mineral and
industrial production and imports and exports in the
area of operation of the proposed office as under:

Commodity	Production		Imports		Exports
	Volume	Value	Volume	Value	Volume	Value
(1)	(2)	(3)	(4)	(5)	(6)	(7)

(iv) If there are schemes for agricultural,
mineral or industrial development, give
details of the same and their probable
effects on the volume and value of the
present production, imports and exports.

(v) If the existing banking facilities are
considered inadequate, give reasons :

(vi) Prospects: Give as under, an estimate of
minimum business which the banking
company expect to attract at the proposed
place of business within 12 months:

a) Deposits : Amount in thousands of rupees.

b) Advance : Amount in thousands of rupees.

5. Change of location of an existing office
(Give the exact location of the office
which is proposed to be closed and
of the place where it is proposed to
be shifted giving particulars of the
new location as in Item 2,3, & 4)

6. Expenditure:
(State the amount already spent
or proposed to be spent on staff,
premises, furniture, stationery,
advertising etc. in connection
with the proposed office. Also
state the minimum income which
the banking company expects to
earn at the proposed office
within 12 months)

Estimate of annual Expenditure

a) Establishment Charges          Rs.
b) Stationery & Miscellaneous       Rs.
c) Rent & Bldg.      Rs.
d) Interest to be paid on deposits      Rs.
e) Interest on funds borrowed from H.O.on Rs.___@___%     Rs.
TOTAL      Rs.

Estimated annual Income :

a) Interest on advances      Rs.
b) Commission       Rs.
c) Exchange       Rs.
d) Interest on funds lent to H.O.      Rs.
TOTAL :         Rs.
Estimated Profits       Rs.

7. Other particulars:

(Any additional facts which the banking company
may wish to add in support of its application)

* The portion not applicable to be struck off.

@ The information need be furnished only in the case of application for centres with a population of less than one lakh.

NB : 1. The words 'office' and 'offices', wherever they occur in this Form, include a place or places of business at which deposits are received, cheques cashed, monies lent or any other form of business referred to in sub-section (1) of section 6 of the Act is transacted.

2. Item (5) to be replied to if the application is for changing the location of an existing place of business.

3. If a banking company is unable or unwilling to supply full details in respect of any of the items, reasons for the omission may be given.

4. The information asked for in items (2), (3), (4), (5) and (6) is to be given separately for each office where the application relates to the opening of or changing the location of more than one office.

5. In the case of change of the location of "administrative office" where no banking business is transacted or proposed to be transacted (such as Registered Office, Central Office or Head Office) only an application in the form of a letter need be submitted, indicating the reasons for the change.

Annex II

Annual Branch Expansion Plan
Name of the bank:-

Summary of branches, proposed to be opened

Sr.No.	Centre/ Place	District	State	Category of Branch (Gen/Spl)	Population Group-wise Classification	Underbanked or Otherwise

* Centre (city/ town/ village) name should be given (like Mumbai, Bangalore, Nashik) not the locality. In case more than one branch is proposed at a centre, locality may be mentioned, like Mumbai-Fort, Mumbai- Bandra etc.

NB: The summary of branches is required to to be submitted in bilingual format (Hindi and English) with a soft copy thereof in "Akruti Office Priya Expand" font.

Annex III

Annual Branch Expansion Plan
Name of the bank: -

Summary of Non branch / Off site ATMs proposed to be opened

Sr.No.	Centre/ Place	District	State	Population Group-wise Classification	Underbanked or Otherwise

* Centre (city/ town/ village) name should be given (like Mumbai, Bangalore, Nashik) not the locality. In case more than one branch is proposed at a centre, locality may be mentioned, like Mumbai-Fort, Mumbai- Bandra etc.

NB: The summary of branches is required to to be submitted in bilingual format (Hindi and English) with a soft copy thereof in "Akruti Office Priya Expand" font.

Annex IV (A)

Annual Branch Expansion Plan
Name of the bank: -

(i) State wise, population group wise number of existing branches in 'Underbanked' areas

(Position as on )

Sr. No.	State	Number of branches					Percentage of rural branches to total branches
		Rural	Semi urban	Urban	Metropolitan	Total

(ii)State wise, population group-wise number of existing branches in 'Other than underbanked' areas

(Position as on )

Sr. No.	State	Number of branches					Percentage of rural branches to total branches
		Rural	Semi urban	Urban	Metropolitan	Total

(iii) Existing population category wise branches of the bank:

(All-India summary position)

(Position as on )

Rural		Semi-urban		Urban		Metropolitan		Total
No. of branches	% to total	No. of branches	% to total	No. of branches	% to total	No. of branches	% to total	No. of branches
Underbanked Districts:

Districts other than Underbanked:

Grand Total:

Annex IV (B)

Annual Branch Expansion Plan
Name of the bank: -

(i) State wise, population group wise number of existing ATMs 'Underbanked' areas

(Position as on )

Sr. No.

State

Number of On-site ATMs

Number of off-site ATMs

Rural

Semi Urban

Urban

Metro

Total

Rural

Semi Urban

Urban

Metro

Total

Grand Total

(ii)State wise, population group wise number of existing ATMs 'Other than underbanked' areas

(Position as on )

Sr. No.

State

Number of On-site ATMs

Number of off-site ATMs

Rural

Semi Urban

Urban

Metro

Total

Rural

Semi Urban

Urban

Metro

Total

Grand Total

(ii) Existing off-site ATMs of the bank:

(All-India summary position)

(Position as on )

Rural		Semi-urban		Urban		Metropolitan
No. of ATMs	% to total	No. of ATMs	% to total	No. of ATMs	% to total	No. of ATMs	% to total	No. of ATMs
Underbanked Districts:

Districts other than Underbanked:

Grand Total:

Annex IV (C)

Annual Branch Expansion Plan
Name of the bank:-

Information to be submitted along with Annual Branch Expansion Plan

1) Medium Term Policy for Branch Expansion Programme of the Bank:

Bank may furnish details of the proposed Medium Term Policy for its branch expansion inclusive of branches & ATMs for a period of 3 years

2) Expected level of business in the next 3 years-

a. Deposits

b. Advances

3) Expected customer base

4) Technology implementation:

a. No. of branches fully computerized

b. No. of branches with network connectivity

c. No. of branches with Core Banking Solution (CBS)

The bank may also submit a brief write-up on the existing technological infrastructure, various technology initiatives undertaken and the proposed enhancement/ upgradation of technology for achieving its business goals in the medium term

5) Measures to promote financial inclusion:

The bank may furnish details of the various levels/ slabs of minimum balance required to be maintained by customers and the related services offered by the bank linked to such multiple levels/ slabs of minimum balance.

6) Schedule of Charges of Products & Services offered:

The bank may forward the Schedule of Charges for various products and services offered to its customers. Minimum balance required for opening of various accounts, charges for non-maintenance of minimum balance etc.

7) Steps proposed to be taken by the bank to ensure that the quality of customer service does not get adversely affected due to expansion of branches.

8) Number of complaints received by the bank during last two years

Sr.No.	Year	No. of Complaints Received	No. of Complaints Disposed	Pending

9) Measures proposed by the bank to address the following issues arising out of scaling up of operations due to the proposed branch expansion-

· Internal control and audit

· Housekeeping and reconciliation

· Other areas of operational risk

· HR issues

10) Position regarding priority sector advances.

11) Details relating to Credit Deposit Ratio:

(Position as on ) (Amt. in Rs. crore)

Particulars	Rural	Semi-urban	Urban	Metropolitan	Total
Deposits
Advances
Credit-deposit ratio
Deposits per branch
Advances per branch

12) The activities of the banking group and the nature of relationship of the bank with its subsidiaries, affiliates and associates.

13) Whether any show-cause notice was issued to the bank and whether any penalty was imposed on the bank during the last one year. If so, the details thereof.

14) Any other information.

15) List of authorisations for opening of branches and off-site ATMs, pending with the bank for utilization.

16) List of Branch ATMs (On-site ATMs) opened by the bank with date of opening / operationalisation.

Annex V
List of Underbanked Districts (based on 2001 Population census)

	ANDHRA PRADESH		ASSAM
1.	ADILABAD	16.	MORIGAON
2.	ANANTAPUR	17.	NAGAON
3.	CUDDAPAH	18.	NALBARI
4.	KARIMNAGAR	19.	SIBSAGAR
5.	KHAMMAM	20.	SONITPUR
6.	KURNOOL	21.	TINSUKIA
7.	MAHBUBNAGAR		BIHAR
8.	MEDAK	1.	ARARIA
9.	NALGONDA	2.	AURANGABAD
10.	RANGAREDDY	3.	BANKA
11.	SRIKAKULAM	4.	BEGUSARAI
12.	VIZIANAGARAM	5.	BHAGALPUR
13.	WARANGAL	6.	BHOJPUR
		7.	BUXAR
	ARUNACHAL PRADESH	8.	DARBHANGA
1.	CHUNGLANG	9.	GAYA
2.	DIBANG VALLEY	10.	GOPALGANJ
3.	EAST KAMENG	11.	JAMUI
4.	LOHIT	12.	JEHANABAD
5.	LOWER SUBANSIRI	13.	KAIMUR
6.	TIRAP	14.	KATIHAR
7.	UPPER SIANG	15.	KHAGARIA
8.	UPPER SUBANSIRI	16.	KISHANGANJ
	ASSAM	17.	LAKHISARAI
1.	BARPETA	18.	MADHEPURA
2.	BONGAIGAON	19.	MADHUBANI
3.	CACHAR	20.	MUNGER
4.	DARRANG	21.	MUZAFFARPUR
5.	DHEMAJI	22.	NALANDA
6.	DHUBRI	23.	NAWADA
7.	DIBRUGARH	24.	PASCHIMI CHAMPARAN
8.	GOALPARA	25.	PURBI CHAMPARAN
9.	GOLAGHAT	26.	PURNIA
10.	HAILAKANDI	27.	ROHTAS
11.	JORHAT	28.	SAHARSA
12.	KARBI ANGLONG	29.	SAMASTIPUR
13.	KARIMGANJ	30.	SARAN
14.	KAKROJHAR	31.	SHEIKHPURA
15.	LAKHIMPUR	32.	SHEOHAR
	BIHAR		JAMMU & KASHMIR
33.	SITAMARHI	1.	ANANTNAG
34.	SIWAN	2.	DODA
35.	SUPAUL	3.	KUPWARA
36.	VAISHALI	4.	POONCH
	CHHATTISGARH		JHARKHAND
1.	BASTAR	1.	BOKARO
2.	BILASPUR	2.	CHATRA
3.	DANTEWADA	3.	DEOGHAR
4.	DHAMTARI	4.	DHANBAD
5.	DURG	5.	DUMKA
6.	JANJGIR-CHAMPA	6.	GARHWA
7.	JASHPUR	7.	GIRIDIH
8.	KANKER	8.	GODDA
9.	KAWARDHA	9.	GUMLA
10.	KORBA	10.	HAZARIBAG
11.	KORIA	11.	KODERMA
12.	MAHASAMUND	12.	LOHARDAGGA
13.	RAIGARH	13.	PAKUR
14.	RAIPUR	14.	PALAMAU
15.	RAJNANDGAON	15.	PASCHIMI SINGHBHUM
16.	SURGUJA	16.	SAHEBGANJ
	DADRA & NAGAR HAVELI		KARNATAKA
1.	DADRA & NAGAR HAVELI	1.	BANGALORE RURAL
	GUJARAT	2.	BIDAR
1.	AMRELI	3.	CHAMARAJANAGAR
2.	BANAS KANTHA	4.	GULBARGA
3.	BHAVNAGAR	5.	KOPPAL
4.	DAHOD	6.	RAICHUR
5.	JUNAGADH		KERALA
6.	NARMADA	1.	MALAPPURAM
7.	PANCH MAHALS		MADHYA PRADESH
8.	PATAN	1.	BALAGHAT
9.	SABAR KANTHA	2.	BARWANI
10.	SURAT	3.	BETUL
11.	SURENDRANAGAR	4.	BHIND
12.	DANGS	5.	CHHATARPUR
	HARYANA	6.	CHHINDWARA
1.	FATEHABAD	7.	DAMOH
2.	JHAJJAR	8.	DATIA
3.	JIND	9.	DEWAS
4.	KAITHAL	10.	DHAR
5.	MAHENDRAGARH	11.	DINDORI
	MADHYA PRADESH		MAHARASHTRA
12.	EAST NIMAR	13.	JALNA
13.	GUNA	14.	KOLHAPUR
14.	HARDA	15.	LATUR
15.	HOSHANGABAD	16.	NANDED
16.	JHABUA	17.	NANDURBAR
17.	KATNI	18.	NASIK
18.	MANDLA	19.	OSMANABAD
19.	MANDSAUR	20.	PARBHANI
20.	MORENA	21.	SATARA
21.	NARSIMHAPUR	22.	SOLAPUR
22.	NEEMUCH	23.	THANE
23.	PANNA	24.	WARDHA
24.	RAISEN	25.	WASHIM
25.	RAJGARH	26.	YAVATMAL
26.	RATLAM		MANIPUR
27.	REWA	1.	BISHNUPUR
28.	SAGAR	2.	CHANDEL
29.	SATNA	3.	CHURACHANDPUR
30.	SEHORE	4.	IMPHAL EAST
31.	SEONI	5.	IMPHAL WEST
32.	SHAHDOL	6.	TAMENGLONG
33.	SHAJAPUR	7.	THOUBAL
34.	SHEOPUR	8.	UKHRUL
35.	SHIVPURI		MEGHALAYA
36.	SIDHI	1.	EAST GARO HILLS
37.	TIKAMGARH	2.	SOUTH GARO HILLS
38.	UJJAIN	3.	WEST GARO HILLS
39.	UMARIA		MIZORAM
40.	VIDISHA	1.	LAWNGTLAI
41.	WEST NIMAR	2.	SAIHA
	MAHARASHTRA		NAGALAND
1.	AHMADNAGAR	1.	DIMAPUR
2.	AKOLA	2.	KOHIMA
3.	AMRAVATI	3.	MOKOKCHUNG
4.	AURANGABAD	4.	MON
5.	BHANDARA	5.	PHEK
6.	BID	6.	TUENSANG
7.	BULDHANA	7.	WOKHA
8.	DHULE	8.	ZUNHEBOTO
9.	GADCHIROLI		ORISSA
10.	GONDIA	1.	ANGUL
11.	HINGOLI	2.	BALANGIR
12.	JALGAON	3.	BALESHWAR
	ORISSA		RAJASTHAN
4.	BARGARH	18.	KARAULI
5.	BHADRAK	19.	NAGAUR
6.	BOUDH	20.	PALI
7.	DHENKANAL	21.	RAJSAMAND
8.	GAJAPATI	22.	SAWAI MADHOPUR
9.	GANJAM	23.	SIKAR
10.	JAJPUR	24.	TONK
11.	KALAHANDI	25.	UDAIPUR
12.	KANDHAMAL		SIKKIM
13.	KENDRAPARA	1.	WEST SIKKIM
14.	KEONJHAR		TAMIL NADU
15.	KORAPUT	1.	CUDDALORE
16.	MALKANGIRI	2.	DHARMAPURI
17.	MAYURBHANJ	3.	KANCHEEPURAM
18.	NABARANGPUR	4.	NAGAPATTINAM
19.	NAYAGARH	5.	PERAMBALUR
20.	NAWAPARA	6.	PUDUKKOTTAI
21.	PURI	7.	RAMANATHAPURAM
22.	RAYAGADA	8.	SALEM
23.	SONEPUR	9.	THIRUVALLUR
24.	SUNDARGARH	10.	THIRUVARUR
	PONDICHERRY	11.	TIRUVANNAMALAI
1.	YANAM	12.	VELLORE
	PUNJAB	13.	VILLUPURAM
1.	MANSA
	RAJASTHAN		TRIPURA
1.	ALWAR	1.	DHALAI
2.	BANSWARA	2.	NORTH TRIPURA
3.	BARAN	3.	SOUTH TRIPURA
4.	BARMER	4.	WEST TRIPURA
5.	BHARATPUR		UTTAR PRADESH
6.	BHILWARA	1.	AGRA
7.	BUNDI	2.	ALIGARH
8.	CHITTAURGARH	3.	ALLAHABAD
9.	CHURU	4.	AMBEDKAR NAGAR
10.	DAUSA	5.	AURAIYA
11.	DHOLPUR	6.	AZAMGARH
12.	DUNGARPUR	7.	BAGHPAT
13.	HANUMANGARH	8.	BAHRAICH
14.	JALOR	9.	BALLIA
15.	JHALAWAR	10.	BALRAMPUR
16.	JHUNJHUNU	11.	BANDA
17.	JODHPUR	12.	BARA BANKI
	UTTAR PRADESH		UTTAR PRADESH
13.	BAREILLY	56.	SANT RAVIDAS NAGAR
14.	BASTI	57.	SHAHJAHANPUR
15.	BIJNOR	58.	SHRAVASTI
16.	BUDAUN	59.	SIDHARTHANAGAR
17.	BULANDSHAHR	60.	SITAPUR
18.	CHANDAULI	61.	SONBHADRA
19.	CHITRAKOOT	62.	SULTANPUR
20.	DEORIA	63.	UNNAO
21.	ETAH		WEST BENGAL
22.	ETAWAH	1.	BANKURA
23.	FAIZABAD	2.	BARDDHAMAN
24.	FARRUKHABAD	3.	BIRBHUM
25.	FATEHPUR	4.	DAKSHIN DINAJPUR
26.	FIROZABAD	5.	HAORA
27.	GHAZIPUR	6.	HUGLI
28.	GONDA	7.	JALPAIGURI
29.	GORAKHPUR	8.	KOCH BIHAR
30.	HAMIRPUR	9.	MALDAH
31.	HARDOI	10.	MEDINIPUR
32.	HATHRAS	11.	MURSHIDABAD
33.	JALAUN	12.	NADIA
34.	JAUNPUR	13.	NORTH 24 PARGANAS
35.	JHANSI	14.	PURULIYA
36.	JYOTIBA PHULE NAGAR	15.	SOUTH 24 PARGANAS
37.	KANAUJ	16.	UTTAR DINAJPUR
38.	KAUSHAMBI
39.	KHERI
40.	KUSHI NAGAR
41.	LALITPUR
42.	MAHARAJGANJ
43.	MAHOBA
44.	MAINPURI
45.	MATHURA
46.	MAU
47.	MIRZAPUR
48.	MORADABAD
49.	MUZAFFARNAGAR
50.	PILIBHIT
51.	PRATAPGARH
52.	RAI BARELI
53.	RAMPUR
54.	SAHARANPUR
55.	SANT KABIR NAGAR

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