(1) When they say that they can not honour the withdrawals, because of failure of their computers, they might be lying because they wanna keep the deposits with them as long as possible.
Even a single day counts a lot, in aggregate they keep a lot amount with them each day, which earn a lot interest, courtesy this mal-practice.
That is called , hidden unfair business, Beware!
(2) When they deny stamping your cheque deposit slip and ask you to drop the cheque in a drop box directly, they are simply denying their responsibility if anything goes wrong.
RBI has instructed Banks not to indulge in such a practice, hence if you insist, the banks will stamp the cheque deposit slip, kindly note.
(3) When they say that it takes three days to clear a cheque, they lie most of the times, cheques get cleared in a single day many times but they keep the amount with them for one or two days.
Thus always keeping a huge amount with them in aggregate, which earns a lot of interest.
That is called unfair business, Reserve Bank of India, reproached banks some time back but not much difference.
Can you imagine banks have earned and are earning trillion of rupees through this mal-practice?
(4) When they see that you have a good deposit in your account, they will try their best to lure you to invest into mutual funds so that they may earn huge commissions and to meet this purpose, they have appointed beautiful faces and beautiful voices .
Beware! It is your money, do not get deluded.
"A FREE SUGGESTION TO BANKS"
Signatures can be copied but not thumb impressions.Why not banks start taking thumb impressions on cheques for clearance instead of signatures of the issuer.Better if they take both right and left thumb impressions.
Or why not signatures and thumb impressions both?
What do you say?
COPY RIGHT MATTER, STEALING IS A PUNISHABLE OFFENCE, SHARING IS WELCOME. TUSHAR/ 9818018725
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