This is a Code of Customer Rights, which sets minimum standards of banking practices we will follow as a member of BCSBI while dealing with individual customers. It provides protection to customers and explains how a member bank is required to deal with customers in its day-to-day operations.

The Code does not replace or supersede regulatory or supervisory instructions of the Reserve Bank of India (RBI) and we will comply with such instructions / directions issued by RBI from time to time.

The Code may have set higher standards than those prescribed in the regulatory instructions and such higher standards will prevail as the Code represents the best practices voluntarily agreed to by us as our commitment to you.

We will endeavour to adopt higher standards of banking practices to extend better customer service and achieve higher levels of customer satisfaction.

In the Code, ‘you’ denotes the customer and ‘we’ / ‘us’, the bank, the customer deals with. Branch includes Banking Outlet / Part-time Banking Outlet.

The code shall come into effect from January 1st, 2018.

• To read or download the code in English click here.
• To read or download the code in Hindi, click here.
• To read or download the code in Regional languages, click here.
• BCSBI Newsletter - Customer Matters

• To read or download the code in English click here.
• To read or download the code in Hindi click here.
• To read or download the code in Regional languages click here.

• Citizen's Charter
• Deposit & Deceased depositors policy
• Fair Practice code for Lenders
• Code of Conduct for Direct Selling Agents
• Code for collection of dues & repossession of assets
• Customer Rights policy
• Policy on lending to Micro & Medium enterprises
• Compensation policy
• Settlement of deceased claim -safe deposit & safe custody services
• Comprehensive Deposit Policy

• Analysis of complaints
• Analysis of complaints

The above information does not include complaints redressed within the next working day

• For Unclaimed Deposits / Inoperative Accounts Search, please Click Here
• Process for claiming the unclaimed deposit / activating the inoperative account, please Click Here

List of Discontinued agencies

A central tenet in the Bank’s Policy on Corporate Governance is commitment to ethics, integrity, accountability and transparency. To ensure that the highest standards are maintained in these aspects on an on-going basis and to provide safeguards to various stakeholders (including shareholders, depositors and employees) the Bank has formulated a ‘Whistleblower Policy’. The Policy provides stakeholders with the opportunity to address serious concerns arising from irregularities, malpractices and other misdemeanours, if any, committed by the Bank’s personnel by approaching a Committee of senior officials of the Bank, set-up for the purpose (known as the Whistleblower Committee). Concerns relating to senior management can be reported directly to the Audit Committee of the Board. The Policy is intended to encourage stakeholders to report suspected or actual occurrence of illegal, unethical or inappropriate actions, behaviour or practices by staff without fear of retribution. To ensure smooth flow and management of complaints under Whistleblower policy, a web-based application – www.cwiportal.com has also been set up which provides an option for anonymous reporting thereby enabling the stakeholders to lodge their complaints online over a secure platform without fear of revelation of identity. The Policy contains provisions protecting Whistleblowers from any unfair action prejudicial to their interest. The Audit Committee of the Board reviews, on a quarterly basis, a synopsis of the complaints received and the resolution thereof.