RBI/2015-16/344 DBR.BP.BC.No.86/21.04.098/2015-16 March 23, 2016 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Liquidity Risk Management & Basel III Framework on Liquidity Standards – Liquidity Coverage Ratio (LCR), Liquidity Risk Monitoring Tools and LCR Disclosure Standards Please refer to our following circulars on Liquidity Risk Framework: DBOD.BP.No.56/21.04.098/2012-13 dated November 7, 2012 on “Liquidity Risk Management by Banks.” DBOD.BP.

RBI/2023-24/111 DoR.MCS.REC.61/01.01.001/2023-24 December 29, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, excluding Payments Banks) All Primary (Urban) Co-operative Banks All NBFCs (including HFCs) and All India Financial Institutions (EXIM Bank, NABARD, NHB, SIDBI and NaBFID)

RBI/2020-21/100 CO.DPSS.POLC.No.S940 / 02-29-005 / 2023-24 December 29, 2023 The Chairman / Managing Director / Chief Executive Officer Card Issuing and Acquiring Banks and Non-banks / Authorised Card Networks

RBI/2023-24/100 FIDD.MSME & NFS.BC.No.13 /06.02.31/2023-24; December 28, 2023 The Chairman/ Managing Director/Chief Executive Officer All Scheduled Commercial Banks (except RRBs) (including Small Finance Banks and Local Area Banks) Dear Sir / Madam Classification of MSMEs

Framework for Dealing with Domestic Systemically Important Banks (D-SIBs) (Revised upto December 28, 2023[1]) Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrupted availability of essential banking services to the real economy.

RBI/2023-24/99 DOR.STR.REC.60/21.04.048/2023-24 December 28, 2023 All Scheduled Commercial Banks (excluding Regional Rural Banks) All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies) MHP Exemption for Transfer of Receivables

RBI/2023-24/221 FMRD.FMSD.07/03.07.35/2023-24 December 28, 2023  To All eligible market participants Madam/Sir Reserve Bank of India (Financial Benchmark Administrators) Directions, 2023

RBI/2023-24/97FMRD.DIRD.No.05/14.03.061/2023-2024 December 27, 2023 All participants in Government Securities market Madam/Sir, Reserve Bank of India (Government Securities Lending) Directions, 2023

RESERVE BANK OF INDIA (FOREIGN EXCHANGE DEPARTMENT) CENTRAL OFFICE MUMBAI 400 001 No. FEMA 14(R)/2023-RB December 21, 2023 Foreign Exchange Management (Manner of Receipt and Payment) Regulations, 2023 In exercise of the powers conferred by Section 47 of the Foreign Exchange Management Act, 1999 (42 of 1999) and in supersession of Notification No. FEMA 14(R)/2016-RB dated May 02, 2016, except as respects things done or omitted to be done before such supersession, the Reserve Bank makes the following regulations

RBI/2023-24/96 A.P. (DIR Series) Circular No. 10 December 22, 2023 To All Category - I Authorised Dealer Banks Madam/Sir Trade Credit for imports into India – Submission of return on issuance of bank guarantees for Trade Credits on the Centralised Information Management System (CIMS) Attention of Authorised Dealer Category – I banks is invited to A.P. (DIR Series) Circular No. 75 November 19, 2013 read with A.P. (DIR Series) Circular No. 20 dated March 13, 2018 relating to Trade Credits for imports into India and submission of quarterly statement on issuance of guarantees therefor by AD banks on the eXtensible Business Reporting Language (XBRL) platform.

RBI/2023-24/95 A.P. (DIR Series) Circular No.09 December 22, 2023 To All Authorised Dealer Category - I Banks Madam / Sir, Rupee Drawing Arrangement - Submission of statement/return on CIMS Portal

RBI/2023-24/94 A.P. (DIR Series) Circular No.12 December 22, 2023 To All Category-I Authorised Dealer Banks Madam / Sir, CIMS Project implementation - Discontinuation of submission in legacy XBRL Attention of Authorised Dealer Category-I (AD Category- I) banks is invited to A.P. (DIR Series) Circular No. 103 dated April 03, 2012 and of A.P. (DIR Series) Circular No. 30 dated September 15, 2014 in terms of which, AD Category-I banks were required to submit the following statements on XBRL site – (i) Statement on half yearly b

RBI/2023-24/93 A.P. (DIR Series) Circular No.11 December 22, 2023 To All Category-I Authorised Dealer Banks Madam/Sir, Liberalised Remittance Scheme (LRS) for Resident Individuals- Reporting of monthly return and daily transactions

RBI/2023-24/92 DoR.RET.REC.59/12.01.001/2023-24  December 22, 2023 The Chairperson / CEOs of all Commercial Banks Madam / Dear Sir, Reverse Repo transactions - Reporting in Form ‘A’ Return

RBI/DOR/2023-24/91 December 20, 2023 CO.DPSS.POLC.No. S- 919 / 02-14-003 / 2023-24 All Payment System Providers and Payment System Participants Madam / Dear Sir, Card-on-File Tokenisation (CoFT) – Enabling Tokenisation through Card Issuing Banks The card tokenisation services are being currently provided by card issuers and card netw

RBI/DOR/2023-24/90 DOR.STR.REC. 58/21.04.048/2023-24 December 19, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks) All Primary (Urban) Co-operative Banks/State Co-operative Banks/ Central Co-operative Banks All All-India Financial Institutions All Non-Banking Financial Companies (including Housing Finance Companies)

RBI/2023-24/89 FIDD.CO.LBS.BC. No.12/02.08.001/2023-24 December 18, 2023 The Chairman / Managing Director & Chief Executive Officer
Lead Banks Concerned Madam/ Dear Sir, Formation of new district Mauganj in the State of Madhya Pradesh – Assignment of Lead Bank Responsibility The Government of Madhya Pradesh has notified formation of a new district, viz., Mauganj in the state of Madhya Pradesh vide Gazette

RBI/2023-2024/87 CO.DPSS.POLC.No.S-882 / 02.14.003 / 2022-23 December 12, 2023 The Chairman / Managing Director / Chief Executive Officer All Scheduled Commercial Banks, including Regional Rural Banks / Urban Co-operative Banks / State Co-operative Banks / District Central Co-operative Banks / Payments Banks / Small Finance Banks / Local Area Banks / Non-bank Prepaid Payment Instrument issuers / Authorised Card Payment Networks / National Payments Corporation of India

RBI/2023-2024/87 IDMD.CDD. No.2128/14.04.050/2023-24 December 11, 2023 Scheduled Commercial Banks (as per the list attached), Designated Post Offices (as per the list attached) Stock Holding Corporation of India Ltd. National Stock Exchange of India Ltd, Bombay Stock Exchange Ltd. Clearing Corporation of India Ltd. Madam/Dear Sir,

RBI/2023-2024/86 FED Circular No. 08 November 17, 2023 To All Scheduled Commercial Banks (holding AD Category-I license) Madam/Sir International Trade Settlement in Indian Rupees (INR) – Opening of additional Current Account for exports proceeds

RBI/2023-24/79
DoR.REG/LIC.No.55/07.01.000/2023-24

October 30, 2023

Chairman / Managing Director / Chief Executive Officer
All Primary (Urban) Co-operative Banks
All State Co-operative Banks and
All District Central Co-operative Banks

Madam / Dear Sir

Banking Regulation (Amendment) Act 2020 - Change in Name of Co-operative Banks

Pursuant to the notification of the Banking Regulation (Amendment) Act (No. 39 of 2020), Sections 49B and 49C of Banking Regulation Act, 1949 (‘BR Act’) are applicable to Co-operative Banks. In terms of Section 49B, the Central Registrar of Cooperative Societies (CRCS)/Registrar of Cooperative Societies (RCS) shall not signify its approval to the change of name of any co-operative bank unless the Reserve Bank certifies in writing that it has no objection to such change. Further, in terms of Section 49C, no application for the confirmation of the alteration of bye-laws of a co-operative bank shall be maintainable unless Reserve Bank certifies that there is no objection to such alteration.

2. Accordingly, it has been decided to issue guidelines with regard to the procedure to be followed for any change in name by a Co-operative Bank as

RBI/2023-24/79
DoR.REG/LIC.No.55/07.01.000/2023-24

October 30, 2023

Chairman / Managing Director / Chief Executive Officer
All Primary (Urban) Co-operative Banks
All State Co-operative Banks and
All District Central Co-operative Banks

Madam / Dear Sir

Banking Regulation (Amendment) Act 2020 - Change in Name of Co-operative Banks

Pursuant to the notification of the Banking Regulation (Amendment) Act (No. 39 of 2020), Sections 49B and 49C of Banking Regulation Act, 1949 (‘BR Act’) are applicable to Co-operative Banks. In terms of Section 49B, the Central Registrar of Cooperative Societies (CRCS)/Registrar of Cooperative Societies (RCS) shall not signify its approval to the change of name of any co-operative bank unless the Reserve Bank certifies in writing that it has no objection to such change. Further, in terms of Section 49C, no application for the confirmation of the alteration of bye-laws of a co-operative bank shall be maintainable unless Reserve Bank certifies that there is no objection to such alteration.

2. Accordingly, it has been decided to issue guidelines with regard to the procedure to be followed for any change in name by a Co-operative Bank as

RBI/2023-2024/83 A.P. (DIR Series) Circular No. 07 November 10, 2023 To, All Category-I Authorised Dealer Banks Madam/Sir Guidelines on import of silver by Qualified Jewellers as notified by – The International Financial Services Centres Authority (IFSCA) Attention of Authorised Dealer Category – I (AD Category – I) banks is invited

RBI/2022-23/82 FIDD.CO.LBS.BC. No.11/02.08.001/2023-24 November 10, 2023 The Chairman / Managing Director & Chief Executive Officer Lead Banks Concerned Madam/ Dear Sir, Formation of new districts in the State of Rajasthan – Assignment of Lead Bank Responsibility The Government of Rajasthan has notified formation of 19 new districts in the state of Rajasthan vide Gazette Notifications No.9 (18) Raj-1/2022 (1-14) dated August 5, 2023 (effective from August 7, 2023). Accordingly, it has been decided to designate Lead Banks of the new districts as below:

RBI/2023-24/81 FMRD.FMID.No. 04/14.01.006/2023-24 November 08, 2023 To All participants in Government Securities market Madam/Sir, ‘Fully Accessible Route’ for Investment by Non-residents in Government Securities – Inclusion of Sovereign Green Bonds A reference is invited to the Press Release on

RBI/2023-24/79
DoR.REG/LIC.No.55/07.01.000/2023-24

October 30, 2023

Chairman / Managing Director / Chief Executive Officer
All Primary (Urban) Co-operative Banks
All State Co-operative Banks and
All District Central Co-operative Banks

Madam / Dear Sir

Banking Regulation (Amendment) Act 2020 - Change in Name of Co-operative Banks

Pursuant to the notification of the Banking Regulation (Amendment) Act (No. 39 of 2020), Sections 49B and 49C of Banking Regulation Act, 1949 (‘BR Act’) are applicable to Co-operative Banks. In terms of Section 49B, the Central Registrar of Cooperative Societies (CRCS)/Registrar of Cooperative Societies (RCS) shall not signify its approval to the change of name of any co-operative bank unless the Reserve Bank certifies in writing that it has no objection to such change. Further, in terms of Section 49C, no application for the confirmation of the alteration of bye-laws of a co-operative bank shall be maintainable unless Reserve Bank certifies that there is no objection to such alteration.

2. Accordingly, it has been decided to issue guidelines with regard to the procedure to be followed for any change in name by a Co-operative Bank as

RBI/2023-24/79
DoR.REG/LIC.No.55/07.01.000/2023-24

October 30, 2023

Chairman / Managing Director / Chief Executive Officer
All Primary (Urban) Co-operative Banks
All State Co-operative Banks and
All District Central Co-operative Banks

Madam / Dear Sir

Banking Regulation (Amendment) Act 2020 - Change in Name of Co-operative Banks

Pursuant to the notification of the Banking Regulation (Amendment) Act (No. 39 of 2020), Sections 49B and 49C of Banking Regulation Act, 1949 (‘BR Act’) are applicable to Co-operative Banks. In terms of Section 49B, the Central Registrar of Cooperative Societies (CRCS)/Registrar of Cooperative Societies (RCS) shall not signify its approval to the change of name of any co-operative bank unless the Reserve Bank certifies in writing that it has no objection to such change. Further, in terms of Section 49C, no application for the confirmation of the alteration of bye-laws of a co-operative bank shall be maintainable unless Reserve Bank certifies that there is no objection to such alteration.

2. Accordingly, it has been decided to issue guidelines with regard to the procedure to be followed for any change in name by a Co-operative Bank as

RBI/2023-24/78 DoR.REG/LIC.No.54/19.51.052/2023-24 October 30, 2023 Madam / Sir Clarification regarding Shifting of Branches/Offices/Extension Counters within the same city, town or village by District Central Co-operative Banks (DCCBs) and Guidelines on Closure of Branches and Extension Counters by DCCBs
 

RBI/2023-24/77 DoR.FIN.REC.53/03.10.123/2023-24 October 26, 2023 All Regulated Entities of the Bank Dear Sir/ Madam, Joining the Account Aggregator Ecosystem as Financial Information User Please refer to the Master Direction – Non-Banking Financial Company - Account Aggregator (Reserve Bank) Directions, 2016.

RBI/2023-24/75 DoR.SPE.REC.50/13.03.00/2023-2024 October 26, 2023 All Regional Rural Banks Sir / Madam, Review of Instructions on Bulk Deposits for Regional Rural Banks (RRBs) Please refer to Para 3 (a) (i) of Master Direction - Reserve Bank of India (Interest Rate on Deposits) Directions, 2016 dated March 3, 2016, in terms of which “Bulk Deposit” means: Single Rupee term deposits of Rupees two crore and above for Scheduled Commercial Banks (excluding Regional Rural Banks) and Small Finance Banks.

RBI/2023-24/76 DoR.FIN.REC.52/03.10.123/2023-24 October 26, 2023 All Regulated Entities of the Bank Madam/ Dear Sir, Review of Financial Information Provider (FIP) under Account Aggregator Framework Please refer to the paragraph 3(1)(xi) of Master Direction – Non-Banking Financial Company - Account Aggregator (Reserve Bank) Directions, 2016 defining the term ‘Financial Information Provider’.

RBI/2023-24/73 DoR.FIN.REC.49/20.16.003/2023-24  October 26, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID) All Asset Reconstructions Companies All Credit Information Companies

RBI/2023-24/74 DOR.SPE. REC. No 51/13.03.000/2023-24 October 26, 2023 Non-Callable Deposits - Master Direction on Interest Rate on Deposits Please refer to the instructions contained in Section 7 of the Master Direction (MD) on Interest Rate on Deposits dated March 03, 2016 and Master Direction - Reserve Bank of India (Co-operative Banks - Interest Rate on Deposits) Directions, 2016 dated May 12, 2016. In terms of these instructions, banks have been permitted to offer domestic term deposits (TDs) without premature withdrawal option, provided that all TDs accepted from individuals for an amount of Rupees fifteen lakh and below shall have premature-withdrawal-facility. Further, the banks have also been permitted to offer differential rate on interest on TDs based on non-callability of deposits (i.e., non-availability of premature withdrawal option) in addition to tenor and size of deposits.

RBI/2023-24/72 DoR.FIN.REC.48/20.16.003/2023-24 October 26, 2023 All Commercial Banks (including Small Finance Banks, Local Area Banks and Regional Rural Banks, and excluding Payments Banks) All Primary (Urban) Co-operative Banks/ State Co-operative Banks/ Central Co-operative Banks All Non-Banking Financial Companies (including Housing Finance Companies) All-India Financial Institutions (Exim Bank, NABARD, NHB, SIDBI and NaBFID)

RBI/2023-24/70 DOR.HGG.GOV.REC.46/29.67.001/2023-24 October 25, 2023 All Private Sector Banks and Wholly-Owned Subsidiaries of Foreign Banks (excluding Payment Banks and Local Area Banks) Madam / Dear Sir Appointment of Whole-Time Director(s) Please refer to paragraph 10 and 11 of our instructions DOR.GOV.REC.8/29.67.001/2021-22 dated April 26, 2021 on ‘Corporate Governance in Banks - Appointment of Directors and Constitution of Committees of the Board’.

RBI/2023-24/71 DOR.ACC.47/21.04.018/2023-24 October 25, 2023 Madam / Sir, Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021: Presentation of unclaimed liabilities transferred to Depositor Education and Awareness (DEA) Fund The ‘Notes and Instructions for compilation’ given in Annex II to the Reserve Bank of India (Financial Statements - Presentation and Disclosures) Directions, 2021 (Master Direction) require commercial banks to present all unclaimed liabilities, where the amount due has been transferred to the Depositor Education and Awareness (DEA) Fund established under the DEA Fund Scheme, 2014, under ‘Schedule 12- Contingent Liabilities - Other items for which the bank is contingently liable’.

RBI/2023-24/69 DOR.AML.REC.44/14.01.001/2023-24 October 17, 2023 The Chairpersons/ CEOs of all the Regulated Entities Dear Sir / Madam, Amendment to the Master Direction (MD) on KYC Please refer to the Master Direction (MD) on KYC dated February 25, 2016, as amended from time to time, in terms of which Regulated Entities (REs) have to undertake Customer Due Diligence (CDD), as per the process laid out therein, for their customers.

RESERVE BANK OF INDIA (Financial Markets Regulation Department) (CENTRAL OFFICE) NOTIFICATION MUMBAI, the 16th October, 2023 Foreign Exchange Management (Debt Instruments) (Second Amendment) Regulations, 2023 No. FEMA.396(2)/2023-RB. — In exercise of the powers conferred by clause (a) of sub-section (2) of section 6 and section 47 of the Foreign Exchange Management Act, 1999 (42 of 1999), the Reserve Bank of India hereby makes the following amendments to the Foreign Exchange Management (Debt Instruments) Regulations, 2019 (Notification No. FEMA.396/2019-RB dated October 17, 2019) (hereinafter referred to as 'the Principal Regulation')

RBI/2023-24/68 DoR.RET.REC.43/12.01.001/2023-24 October 16, 2023 The Chairperson / CEOs of all Commercial Banks Madam / Dear Sir, Reverse Repo transactions - Reporting in Form ‘A’ Return Please refer to Form A Return in the Master Direction - Reserve Bank of India [Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR)] Directions - 2021 (updated as on September 25, 2023) regarding the reporting of Reverse Repo transactions by Commercial Banks.

RBI/2023-24/67 Ref. No.DoS.CO.PPG/SEC.05/11.01.005/2023-24 October 10, 2023 All Deposit Taking Government NBFC All Non-Deposit Taking Government NBFCs in Middle, Upper and Top Layers Dear Sir / Madam Prompt Corrective Action (PCA) Framework for Non-Banking Financial Companies (NBFCs) – Extension to Government NBFCs Reserve Bank of India introduced PCA Framework for NBFCs on December 14, 2021. The Framework has since been reviewed and it has been decided to extend the same to Government NBFCs (except those in Base Layer) with effect from October 1, 2024, based on the audited financials of the NBFC as on March 31, 2024, or thereafter.

RBI/2023-24/66
DOR.CRE.REC.42/07.10.002/2023-24

October 6, 2023

Primary (Urban) Co-operative Banks other than Salary Earners’ Banks

Madam / Dear Sir,

Gold Loan – Bullet Repayment – Primary (Urban) Co-operative Banks (UCBs)

Please refer to the circular UBD.BPD.(PCB).Cir.No.25/13.05.001/2014-15 dated October 30, 2014, in terms of which UCBs were permitted to extend gold loans up to ₹2.00 lakh with bullet repayment option, subject to certain conditions.

2. Reference is also invited to para 5 of our circular DOR.CRE.REC.18/07.10.002/2023-24 dated June 8, 2023 wherein it is stated that incentives to UCBs meeting the Priority Sector Lending (PSL) targets shall be announced separately. Accordingly, as announced vide para 3 of Statement on Developmental and Regulatory Policies dated October 6, 2023, it has been decided to increase the monetary ceiling of gold loans that can be granted under the bullet repayment scheme, from ₹2.00 lakh to ₹4.00 lakh for those UCBs who have met the overall PSL target and sub targets as on March 31, 2023 and continue to meet the targets and sub-targets as prescribed at para 2 of our circular dated June 8, 2023, ibid.

3. The limits prescribed above are effective from the date of this circular. All other provisions of the aforesaid circulars remain unchanged.

Yours faithfully,

(Manoranjan Mishra)
Chief General Manager

RBI/2023-24/65
CO.DGBA.GBD.No.S646/42-01-029/2023-2024

October 03, 2023

All Agency Banks

Madam/Dear Sir,

Status of March 31, 2024 for Government transactions through integration with e-Kuber

The ‘e-Kuber’ which is the Core Banking Solution platform of RBI for Government and other payments does not process any Government transactions on Global holidays (which are 26th January, 15th August, 2nd October, all 2nd and 4th Saturdays of a month and on all Sundays). It is observed that March 31, 2024 falls on a Sunday. The office of Controller General of Accounts, Government of India has advised that in order to account for all the Government transactions relating to receipts and payments in the financial year 2023-24 itself, it has been decided that March 31, 2024 (Sunday) be marked as a working day for the Government transactions so that all the Government transactions through integration with e-Kuber are processed on March 31, 2024 and accounted for in the financial year 2023-24 itself for arriving the cash balance of Government of India as on March 31, 2024.

2. Also, the luggage files from banks for transferring the data related to Government transactions to RBI would also be accepted by e-Kuber system on March 31, 2024 for accounting of the same in the account for the financial year 2023-24.

Yours faithfully

(Indranil Chakraborty)
Chief General Manager

RBI/2023-24/64
DCM(Plg) No. S-1288/10.27.00/2023-24

September 30, 2023

The Chairman / Managing Director / Chief Executive Officer
All Banks

Madam / Dear Sir,

₹2000 Denomination Banknotes – Withdrawal from Circulation – Review

A reference is invited to our circulars DCM(Plg)No.S-236/10.27.00/2023-24 dated May 19, 2023 and DCM(Plg)No.S-239/10.27.00/2023-24 dated May 22, 2023 on the subject.

2. Of the total value of ₹3.56 lakh crore of ₹2000 banknotes in circulation as on May 19, 2023, ₹3.42 lakh crore has been received back leaving only ₹0.14 lakh crore in circulation as at the close of business on September 29, 2023; thus, 96% of ₹2000 banknotes in circulation as on May 19, 2023 has since been returned.

3. As the period specified for the withdrawal has come to an end, and based on a review, it has been decided to extend the current arrangement for deposit / exchange of ₹2000 banknotes until October 07, 2023. A Press Release in the matter has been issued. Banks shall continue to maintain daily data on deposit / exchange of ₹2000 banknotes in the format prescribed vide circular dated May 22, 2023 referred to above and submit the same to RBI.

4. With effect from October 8, 2023, banks shall stop accepting ₹2000 banknotes for credit to accounts or exchange to other denomination banknotes.

5. ₹2000 banknotes shall continue to be allowed to be presented at the 19 Regional Offices of RBI having Issue Departments (RBI Issue offices) for credit to the bank accounts in India or exchange as indicated in the Press Release.

6. All instructions issued under para 3A of our circular DCM(Plg)No.S-236/10.27.00/2023-24 dated May 19, 2023 in the matter shall continue to remain in force. Banks shall also ensure that ₹2000 banknotes collected by their branches till October 07, 2023, are deposited at currency chests on or before October 13, 2023.

7. ₹2000 banknotes shall continue to be legal tender.

8. A copy of the Press Release may also be displayed in the banking hall, ATM kiosks, etc., for information of the customers / public.

9. You are requested to issue suitable instructions to the branches in this regard.

Please acknowledge receipt.

Yours faithfully

(Suman Ray)
Chief General Manager in-Charge