Bank services - the DD process
Now, i had to get a DD for college application. Went to the IOB branch near my house in Bangalore (Basavanagudi). When I asked for the form, I was asked if I had an account. i said No. And they said they don't accept cash for DDs.
Then went to the HDFC bank where I have been having an account for years. The DD form says cash/check/Account/NEFT. And the counter clerk asks me if I have a check. Does he expect me to carry a check book wherever I go. Finally, he accepted to get money from my Account, after getting my id proof and taking a photocopy (why a photocopy for every transaction, can't he just check the account online with the id proof). And it was a shuffle between counters. Give the form in counter 1. He gave it to the counter 2 (next to him). Counter 2 and gives it to counter 1. After a few minutes of wait, when I ask counter 1 for the DD, he says ask counter 2.
if this is the state of service with one of the top banks. imagine the fate of others. more
Though non-availability of Demand Draft on payment of Cash is the issue of Mr. Padmanabhan, this message is for general information. For the last few years, all transactions involving transfer of money from one hand to other are being done by banks rightly through accounts. Rightly because we as society must prevent unaccounted transfer of cash. The problem faced by Mr. Padmanabhan due to non-availability of Cheque book at the given time can be overcome by signing a debit voucher and if only We show some humility, the bank officials are more than helpful more often than not. more