Saturday, July 07, 2012

DON’Ts of UCO ATM / Debit Card Operation


1.    Never lend your card to anyone, even to your close relative / friend or even if he / she claim to represent the UCO Bank.
2.    DO NOT WRITE YOUR PIN ON THE CARD OR BACK OF THE CARD.
3.    Never share your PIN with any one including a family member or Bank personnel or in response to requests through email / FAX etc.
4.    Never carry your PIN in your wallet or purse
5.    Never let any one see you input your PIN
6.    Never use a PIN that could be easily guessed. E.g. Your birthday or telephone number.
7.    Never leave your card unattended, e.g., in the car, in a hotel room or at work or at merchant establishments.
8.    Never attempt to use your Debit card at Merchant establishments that do not possess electronic point-of-sale swipe terminals.
9.    Do not scratch the pin mailer.  Tear the edge of the envelope turn to open for easy visibility of the pin.
10. Do not respond to any E-mail purported to be issued by UCO Bank asking for your ATM PIN.  These are called PHISHING attempts.  At UCO Bank, we honor the trust reposed on us and will never seek personal details like PIN etc. for any purpose.

DO’s of UCO ATM / Debit Card Operation


1.    Sign on the strip on the back of your card as soon as you receive it.
2.    Memorize your PIN (Personal Identification number) and destroy all physical evidence of the PIN.
3.    Kindly destroy the pin mailer you received up on noting the pin.
4.    Always change the PIN as soon as you receive it.  Preferably, change it every month.
5.    Store your card in a secure place where you will immediately know if it is missing.  Treat the Debit card like cash and ensure safe custody of the card.
6.    Store the ATM-cum-Debit card carefully so that the magnetic strip does not get damaged.
7.    Beware of “Shoulder Surfing”.  Shield your PIN from onlookers by using your body.  Check to be sure that you have your card and your receipt, after doing the transaction, and then leave immediately.
8.    Please make sure you conduct any ATM transaction in complete privacy
9.    Once you complete your transaction, before leaving, be sure that ‘Welcome Screen’ is displayed in the ATM and it is scrolling.
10. Periodically verify the passbook entries to ensure its correctness.  Any unauthorized card transaction in the account, if observed, should be immediately reported to UCO Bank.
11. Please ensure that the card is swiped in your presence at POS (Point of Sale)
12. Immediately inform the Bank if the ATM / Debit card is lost or stolen.  If your card is held back by any ATM, please inform the same to UCO Bank to block the card on the help line no. 1800-345-0123 / 1800-345-3337 (24X7) or contact the Branch Manager.
13. When you destroy your card upon card expiry or closure of your account, cut it into four pieces through the magnetic strip.



TERMS & CONDITIONS: UCO Visa Debit Card


•           Bank means UCO Bank, Card means Visa Debit Card issued to the Customer, ATM means Automated Teller Machine, Visa Debit Card means Card issued by the Bank for operating at any Visa enabled ATM / Visa enabled Point of sales, Card Holder means authorized holder of VISA Debit Card and PIN means Personal identification Number,
•           POS means Point of Sales.
•           The card is property of the Bank and will be returned unconditionally and immediately to the bank upon request by the Bank.
•           The Bank reserves the right to cancel the Card and stop its operations unilaterally. The card is not transferable.
•           The Card Holder will be given a PIN which will enable him to access ATM services. He may change the PIN anytime he wishes to do so.
•           The card should remain in the card Holder’s possession and should not be handed over to anyone else.
•           The PIN should remain a secret known only to the card holder. Any person other than the card holder himself can unauthorized gain access to the ATM services if he gains possession of the card and PIN.
•           The card is issued on the condition that the Bank bears no liability for unauthorized used of the card. This responsibility is fully that of the card Holder.
•           The Card holder should immediately notify the branch if the card is lost /stolen or the PIN is forgotten or accidentally divulged.
•           Any financial loss arising out of unauthorized use of the card ,till such time the bank receives notice of the loss of the Card ,will be to the Card Holder’s account.
•           Fresh Card will be issued in replacement of the lost card, at a fee upon request of the Card Holder.
•           The Bank has the express authority to debit the Designated Account for all withdrawals/transfers effected using the Card as evidenced by Bank’s record which will be conclusive and binding on the Card Holder.
•           The Card Holder expressly authorizes the Bank to Debit the Designated Account with service charges as stipulated by the bank from time to time for use of the card at any point of sales/any visa enabled ATM other than bank’s own ATM.
•           The transaction record generated by the ATM /Point of sales will be conclusive and binding unless verified otherwise and corrected by the Bank. The verified and corrected amount will be binding on the card Holder Deposit (cash/and /or Cheques etc.) will be verified by two officials of the bank and their account will be deemed to be correct.
•           Errors, if any, will be notified to the card holder.
•           Enquires about card transactions will be attended to by the Bank only on production of the transaction record.
•           The Card holder wishing to close the designated Account or surrender the VISA facility, will give the bank 10 days notice in writing and also return the Card together with notice.
•           If Designated Account(s) is a joint Account, all the Joint Account Holders should sign the application Form. The card will be issued in the name stated in application Form and the PIN will be mailed at his address.
•           The Bank at its absolute discretions may amend the Terms & conditions governing the VISA governing the Visa Debit Card series. Card Holder will be notified of such changes.
•           The Brochures supplied with card contain inter alia information on the range of services, service charges and procedure for notifying the stolen/lost card. Changes/modification in services charges from time to time shall be intimated to the card holder/uploaded in the bank’s website and the same shall be levied accordingly.
•           Use of the Card will imply acceptance of the terms and conditions.
•           For POS transactions No PIN shall be required as per universally accepted industry
•           Practice as our VISA Debit cards are signature based

PAYMENT OF LIC PREMIUM THROUGH E-BANKING


UCO Bank site will be opened.
Click E Banking > personal banking > put login id and password
E-banking page will be opened.
Click on 'bill payment' in the menu bar.
Another page will be opened.
On the left hand side of the page you can see 6 items, click on the 5th item i.e 'bill presentment'
Another page will appear.
Click on payee setup registration.
Another page will appear.
Give the payee name as LIC and click on search.
Another page will appear, click on blue colored LIC.
Another page will appear. In this page the customer has to give only three pieces of information: LIC policy number, premium amount and email id.
Premium amount should be given with paisa. For example, if premium amount is Rs.1500, the customer should put the amount as Rs.1500.00.
Then click on 'add' in the bottom. A number will be generated and note down this number. Allow LIC and Bank minimum 15 days to have the necessary 'handshake' before the due date of first premium.
Our E Banking will continue to pay the premium to LIC by deducting his account till the maturity. It is very comfortable for the customer. S/He needs to keep sufficient amount in his account.
For each LIC policy the customer should register separately.
Enjoy E Banking experience



UCO Two-Wheeler Loan Scheme


1. What is the maximum amount of loan under UCO Two-wheeler scheme?
A: Rs0.60lac or 90% of the cost of the new two-wheeler of well known brand, whichever is less.
Zonal Manager may authorize sanction up to Rs1lac for purchase of feature-rich two-wheeler in deserving cases.
2. What is the minimum margin to be contributed by the borrower in case of loan under UCO Two- wheeler scheme?
A: 10% of the total cost on road.
3. What is the income criterion for salaried person for availing loan under UCO Two-wheeler scheme?
A: Minimum gross salary of Rs8000/- per month.
4. What is the income criterion for non-salaried person for availing loan under UCO Two- wheeler scheme?
A: i) Minimum income of Rs1lac p.a. as per Income tax return /Assessment order in the preceding Year. Or,
ii) Minimum income of Rs1.5lac p.a. for purchase of feature rich vehicles.
5. What is the repayment period in case of loan under UCO Two-wheeler scheme?
A: Maximum 48 EMIs commencing from one month after disbursement.
6. What is the processing charge for loan under UCO Two-wheeler scheme?
A: 1%, minimum Rs500/-
7. What is the rate of interest for loan under UCO Two-wheeler scheme?
A: 12.25% p.a. (fixed)
8. Whether there is concession in rate of interest for loan under UCO Two-wheeler scheme?
A: i) 1% if loan account is backed by full liquid collateral.
ii) 0.50% if loan account is backed by 50% liquid collateral.
9. What is the guarantee requirement in case of loan under UCO Two-wheeler scheme?
A: For salaried person, compulsory guarantee: Personal guarantee of spouse or nominee of PF/Gratuity of the borrower.
For non-salaried person, compulsory guarantee: Personal guarantee of the spouse of the married borrower or, Personal guarantee of the mother/surviving parent in case of unmarried borrower, or where spouse guarantee is not available for obvious reasons.
For non-salaried person, additional guarantee:
By one more guarantors having income equal to that of the borrower or having means at least equal to the loan amount.
10. What is the age criterion for loan under UCO Two-wheeler scheme?
A: For salaried borrower: 21 to 55 years.
For non-salaried borrower: 21 to 60 years.

UCO Doctor Loan Scheme (Revised)


1. What credit facilities are provided under the UCO Doctor scheme?
A: Both term loan & Cash credit.
2. What should be the minimum DSCR for term loan under the UCO Doctor scheme?
A: 1.50
3. What is the maximum term loan in rural/semi-urban areas under the UCO Doctor scheme?
A: Rs 50lac
4. What is the maximum term loan in Urban/Metro areas under the UCO Doctor Scheme?
A: Rs300lac
5. What is the maximum cash credit limit that can be sanctioned under UCO Doctor Scheme?
A: a) Maximum 10% of the loan amount up to Rs100lac
b) Maximum 5% of the loan amount above Rs100lac
6. What amount of collateral security is to be taken for loans & advances up to Rs100lac under the UCO Doctor Scheme?
A: No collateral security and third party guarantee. To be compulsorily covered under CGSMSE.
7. What is the margin to be contributed by the borrower in case of UCO Doctor Scheme?
A:i) Term loan: Loans up to Rs10lac: 15%, others: 20% of the cost of the project/equipment.
ii) Working capital: 10%
8. What is the term loan repayment period under UCO Doctor Scheme?
A: 60 months (including moratorium of 6 months). The loan shall be repayable in EMIs commencing after one month of completion of the project or moratorium of 6 months, whichever is earlier. Repayment period may be extended to 84 months by ZLCAC, where the project cash flow justifies the same.
9. Whether the repayment period may be extended from 60 months under UCO Doctor Scheme?
A: Repayment period may be extended to 84 months by ZLCAC, where the project cash flow justifies the same.
10. What is the processing charge under UCO Doctor Scheme?
A: 1% plus applicable service tax and education cess (minimum Rs1000/-)

Know Your Customer Guidelines


1. What is KYC?
KYC is an acronym for “Know your Customer”, a term used for customer identification process. It involves making reasonable efforts to determine true identity and beneficial ownership of accounts, source of funds, the nature of customer’s business, reasonableness of operations in the account in relation to the customer’s business, etc which in turn helps the banks to manage their risks prudently. The objective of the KYC guidelines is to prevent banks being used, intentionally or unintentionally by criminal elements for money laundering.
KYC has two components - Identity and Address. While identity remains the same, the address may change and hence the banks are required to periodically update their records.
2. Is there any legal backing for verifying identity of clients?
Yes. Reserve Bank of India has issued guidelines to banks under Section 35A of the Banking Regulation Act, 1949 and Rule 7 of Prevention of Money-Laundering (Maintenance of Records of the Nature and Value of Transactions, the Procedure and Manner of Maintaining and Time for Furnishing Information and Verification and Maintenance of Records of the Identity of the Clients of the Banking Companies, Financial Institutions and Intermediaries) Rules, 2005. Any contravention thereof or non-compliance shall attract penalties under Banking Regulation Act.
3. I want to keep a fixed deposit in a bank. Is KYC - applicable to me?
Yes. KYC is applicable to customers of the bank. For the purpose of KYC following are the ‘Customers of the bank.
•           A person or entity that maintains an account and/or has a business relationship with the bank;
•           One on whose behalf the account is maintained (i.e. the beneficial owner);
•           beneficiaries of transactions conducted by professional intermediaries, such as Stock Brokers, Chartered Accountants, Solicitors etc. as permitted under the law, and
•           any person or entity connected with a financial transaction which can pose significant reputational or other risks to the bank, say, a wire transfer or issue of a high value demand draft as a single transaction.
4. Is there any procedure specified for Customer Identification?
Customer identification means identifying the customer and verifying his/her identity by using reliable, independent source documents, data or information. Banks have been advised to lay down Customer Identification Procedure to be carried out at different stages i.e. while establishing a banking relationship; carrying out a financial transaction or when the bank has a doubt about the authenticity/veracity or the adequacy of the previously obtained customer identification data.
5. Once KYC requirements are complied with while opening the account, whether the bank can again ask for KYC compliance from me?
Yes. To ensure that the latest details about the customer are available, banks have been advised to periodically update the customer identification data based upon the risk category of the customers.
Banks create a customer profile based on details about the customer like social/financial status, nature of business activity, information about his clients’ business and their location, the purpose and reason for opening the account, the expected origin of the funds to be used within the relationship and details of occupation/employment, sources of wealth or income, expected monthly remittance, expected monthly withdrawals etc. When the transactions in the account are observed not consistent with the profile, bank may ask for any additional details / documents as required. This is just to confirm that the account is not being used for any Money Laundering/Terrorist/Criminal activities.
6. I had submitted my driving licence as a proof of identity and address but still the bank asked for telephone / electricity bill.
There are two aspects of Customer Identification. One is establishing identity and the other is establishing present residential address.
For establishing identity, the bank requires any authentic document carrying photo of the customer such as driving licence/ passport/ pan card/ voters' card etc. Though these documents carry the residential address of the customer, it may not be the present address. Therefore, in order to establish the present address of the customer, in addition to passport/ driving licence / voters' card / pan card, the bank may ask for utility bills such as Telephone / Electricity bill etc.
7. Can my wife who is not having any address proof in her name, open an account with the bank?
Yes. In such cases where the utility bills required for address verification are not in the name of the person who wants to open an account ( close relatives, e.g. wife, son, daughter and daughter and parents etc. who live with their husband, father/mother and son, as the case may be) , an identity document and a utility bill of the relative with whom the prospective customer is living along with a declaration from the relative that the said person (prospective customer) wanting to open an account is a relative and is staying with him/her is acceptable. As supplementary evidence bank may ask for a letter received through post for further confirmation.
8. I am a daily wage earner without any document to satisfy the bank about identity and address. Can I open a bank account?
A customer belonging to low income group who is not able to produce  documents to satisfy the bank about his identity and address, can open bank account with an introduction from another account holder who has been subjected to full KYC procedure provided that the balance in all his accounts taken together is not expected to exceed Rupees Fifty Thousand (Rs. 50,000/-) and the total credit in all the accounts taken together is not expected to exceed Rupees One Lakh (Rs. 1,00,000/-) in a year. The introducer’s account with the bank should be at least six months old and should show satisfactory transactions.
 Photograph of the customer who proposes to open the account and also his address needs to be certified by the introducer, or any other evidence as to the identity and address of the customer to the satisfaction of the bank.
If at any point of time, the balance in all his/her accounts with the bank (taken together) exceeds Rupees Fifty Thousand (Rs. 50,000/-) or total credit in the account exceeds Rupees One Lakh (Rs. 1,00,000/-) in a year, no further transactions will be permitted until the full KYC procedure is completed.
In order not to inconvenience the customer, the bank will notify the customer when the balance reaches Rupees Forty Thousand (Rs. 40,000/-) or the total credit in a year reaches Rupees Eighty thousand (Rs. 80,000/-) that appropriate documents for conducting the KYC must be submitted otherwise operations in the account will be stopped.
9. Whether a certificate from my employer is sufficient as identity as well as address proof for opening an account?
Banks rely on such certification only from corporate and other entities of repute provided that they are aware of the competent authority designated by the concerned employer to issue such certificate. In addition, banks also require at least one of the valid documents indicated above viz. Passport, Driving Licence, PAN Card, Voter's Identity Card etc. or utility bills for KYC purposes for opening bank account of salaried employees of corporate and other entities.
10. Whether the information given by me to the bank under KYC is treated as confidential?
Yes. The information collected from the customer for the purpose of opening of account is treated as confidential and details thereof are not divulged for cross selling or any other similar purposes.
11. Whether KYC is applicable for Credit Cards/Debit Cards/Smart Cards?
Yes. Application of full KYC procedure is necessary before issuing Credit Cards/Debit Cards/Smart Cards and also in respect of add-on/ supplementary cards.
12. If I refuse to give information on KYC asked for by the bank, what action the bank can take against me?
Where the bank is unable to apply appropriate KYC measures due to non-furnishing of information and /or non-cooperation by the customer, the bank can consider closing the account or terminating the banking/business relationship after issuing due notice to the customer explaining the reasons for taking such a decision.

UCO VISA Debit Card


Services Available

1.    Cash withdrawal in the denominations of Rs 100/- & Rs 500/-.
2.     Fast Cash Withdrawal in multiples of Rs 1000/-, Rs 2000/-, Rs 3000/- and Rs.5, 000/-.
3.     Balance inquiry to the accounts linked.
4.     Mini Statement of the accounts linked (minimum last 10 transactions)
5.     Funds transfer between self accounts linked with the cards.
6.     PIN Change facility

Cash Withdrawal per day

 At Metro / Urban / Semi-urban / Rural centers  
Maximum Rs 50000/- (per transaction Rs 15000/- and subject to availability of balance in the account

How to use your UCO VISA Debit Card

1.    Insert your card face upwards into the ATM for instant access
2.     Enter your Personal Identification Number (PIN)
3.    Your PIN should be secret and not disclosed to anybody. Now select the menu as per your requirement:
  ♦ Cash withdrawal
  ♦ Fast Cash
  ♦ Account Balance
  ♦ Fund Transfer
  · Mini Statement
  ♦ Change PIN
4.     Follow the instructions on the ATM screen which lead you step by step
5.    After completion of your transaction / requirement please do not forget to collect your Card and transaction receipt.

Precaution (Do's and Don’t)

1.    Your UCO VISA Card carries magnetic data.  Do not expose it to a continuous magnetic field
2.     Avoid bending of your ATM Card
3.     Keep your Debit Card away from direct heat and continuous direct sunlight
4.     Try to memorize your PIN and not to write your PIN on your card or any other papers.

Benefits for the Customers

1.     Free of Cost (for one year, thereafter for renewal Rs 100/- per card)
2.    No Service charges
3.     Card issued free of cost
4.     Open 24 hours a day, 7 days a week, 365 days in a year

In case of Loss / theft / pick pocketing of your Debit Card

In case of loss / damage / theft / pick pocketing of your Debit Card, please inform details as under

 Toll Free Number: 1800 345 0123
 Website Address: www.ucobank.com

Access
1.    Access to more than 42000 ATMs across the country at Member Banks
2.    UCO Visa Debit Card is accepted at more than 10 million merchant outlet Point of Sales (POS), world wide

Types of ATM Machine

1.     Dip System - Card is inserted in and swapped out.  Later transactions to be carried out.
2.    Motorized Card Reader System - Card is gulped inside and returned back only after the transaction gets over






Thursday, July 05, 2012

Transactions through Alternate Delivery Channel & Cheque Drop Box in each Bank Branch


The Ministry of Finance has advised to operationalize the Cheque Deposit (Cheque Drop Box) facility at every Branch & in full function Onsite ATMs particularly in metro/urban areas & provides cheque drop boxes at the onsite ATMs



Issuance of RuPay Brand ATM Debit Card for UCO KCC & RRB PBGB customers to be launched shortly


Government of India, Ministry of Finance along with NABARD has given guidelines to all the Public Sector Banks to introduce Kisan Credit Card (KCC), which could be enabled to be used at ATM’s, POS terminals and Micro-ATMs and has to be online magnetic strip cards.

In view of this Bank has decided to launch magstripe based RuPay brand Non Personalized Debit card for KCC customers.
There are 2 types of account schemes in KCC namely “CC104” & “C104A”. As per the said scheme “CC104” is linked with the account where the loan limit is up to 3 lakhs and “C104A” is linked with the account type where the loan limit is more than 3 lakhs.

The daily withdrawal limit applicable at ATM & POS would be restricted to Rs.50, 000/-. Bank has decided that for KCC account opened under “CC104” scheme, there will be no charges in usage at ATM’s. For “C104A” the charges will be same as per prevalent rate applicable to savings account on usage at ATM’s interchange at other Bank ATM’s.

Furthermore as per guidelines from NABARD on revised KCC scheme, the KCC account will be KCC cum SB account and the credit balance in the account to fetch interest at savings bank rate.


Waiver of Bank charges on NEFT transactions up to Rs. 1 Lac only


Bank charges on NEFT transaction up to Rs. 1 Lac is fully waived w.e.f. 1st July, 2012. In terms of communication received from Ministry of Finance, Govt. of India, Bank charges on NEFT transactions up to Rs. 1 Lac have been reviewed and Board of Directors in its Meeting held on 30.06.2012 has approved waiver of charges on NEFT transaction up to Rs. 1 Lac only, which would be applicable only for customers of the Bank.

Tuesday, July 03, 2012

Who can introduce a Current Account?


i) Any current account holder whose account is at least six months old and is being operated in a satisfactory manner.
ii) A responsible member of the locality, know to the Manager or any officer of the branch, although the introducer himself may not be an account holder of the branch.
iii) Introductory letter from the commanding officer of the concerned military unit along with the identity card of the military personnel shall serve the purpose of introduction.
iv)  Any officer of the bank having signing power.
v) Any other confirmed staff member of the branch.

REQUIREMENT OF PERMANENT ACCOUNT NUMBER (PAN) OR GENERAL INDEX REGISTER (GIR) NUMBER WHILE OPENING CURRENT ACCOUNT

With effect from 1st November 1998, it has become obligatory on the part of Banks to obtain PAN or GIR number from the persons opening current account under the provision of Rule 114B of Income Tax Rules 1962. PAN or GIR Number is to be mentioned on the account opening form. The details of guidelines in this regard are furnished below.
i) Every prospective account holder at the time of opening current account shall be required to furnish PAN or GIR number on the account opening form.
ii) If the party is not an Income Tax Assessee, he shall have to give declaration in Form No. 60.
iii) If the party is not an Income tax assessee because he derives all his income only from agricultural sources, he shall have to give declaration in Form No. 61.
iv) Under the provision of Rule 114 B of IT Rules 1962, it would be necessary for the Bank to verify the proof of residence also at the time of opening account.

Minimum Balance Schedule: Current Account

                           Metropolitan      Urban     Semi-Urban Rural
Individuals                3000              3000      2000            1000
Others                       5000              5000     2500             2000

The bank has introduced tierised current accounts to provide additional services to the current account holder customers depending upon the average balance maintained in their current accounts. These facilities are available in all CBS enabled branches and selected fully computerized branches at present. The three tierised current accounts are namely. Basic, UCO value and UCO Premium.

Note: Though no interest can be paid on current account credit balance there are few exceptions to it. Interest is payable at Savings Bank rate on the credit balance of a deceased depositor’s account till balances are paid to the legal heirs. The system will also apply to sole proprietary firms.




UCO Bank FD schemes


In fact, in UCO Bank, three different categories of Fixed Deposit accounts are there.
a) Fixed deposits having duration of less than 6 months.
Duration of such Fixed Deposits are mentioned in “days” and the principal and interest for the period of deposit is paid in lump sum on the due date.
b) Fixed Deposits having duration of 6 months or more but up to 120 months.
Duration of such fixed deposits is mentioned in “months” and the interest on the deposit amount is paid at quarterly intervals, whereas the principal amount is paid on “due date” against the remaining balance of interest due.
c) The same type of Fixed Deposits as described in point b) above, but interest at discounted rate paid at monthly intervals, whereas the principal amount is paid on due date. 

List of Branches Authorised for collection of Direct Taxes


SNo
State
Zone Name
Branch Name
Branch Code
1
Andhra Pradesh
Hyderabad
Guntur
0223
2
Andhra Pradesh
Hyderabad
Koti, Hyderabad
0114
3
Andhra Pradesh
Hyderabad
Vijayawada Main
0222
4
Andhra Pradesh
Hyderabad
Vishakhapatnam Main
0118
5
Assam
Guwahati
Bongaigaon
0366
6
Assam
Guwahati
Dhaligaon
0889
7
Assam
Guwahati
Dhubri
0473
8
Assam
Guwahati
Dispur, Guwahati
0572
9
Assam
Guwahati
Guwahati Main
0045
10
Assam
Guwahati
Karimganj
0822
11
Assam
Guwahati
Nazirpatty, Silchar
0080
12
Assam
Guwahati
Silpukhuri, Guwahati
0533
13
Assam
Jorhat
A.T.Road, Jorhat
0742
14
Assam
Jorhat
North Lakhimpur
1049
15
Assam
Jorhat
Nowgong
1336
16
Assam
Jorhat
Rehabari, Dibrugarh
0183
17
Assam
Jorhat
Rikhabchand Building, Tezpur
0244
18
Assam
Jorhat
Tinsukia
0546
19
Chandigarh
Chandigarh
Sector 17-B, Chandigarh
0236
20
Delhi
New delhi
Asaf Ali Road  New Delhi
0115
21
Delhi
New delhi
Delhi - Chawri Bazar
0070
22
Delhi
New delhi
Delhi High Court
1553
23
Delhi
New delhi
Delhi Kirti Nagar Najafgarh Road
0201
24
Delhi
New delhi
Delhi- New Subzi Mandi
0313
25
Delhi
New delhi
Delhi-Azadpur Model Town
0230
26
Delhi
New delhi
Delhi-Kamala Nagar
0063
27
Delhi
New delhi
Delhi-Krishan Nagar
0240
28
Delhi
New delhi
Delhi-Lawrence Road
0990
29
Delhi
New delhi
Delhi-Punjabi Bagh
0234
30
Delhi
New delhi
Delhi-Shahdara
0608
31
Delhi
New delhi
New Delhi - I.I.P.A.
1820
32
Delhi
New delhi
New Delhi - Karol Bagh
0044
33
Delhi
New delhi
New Delhi - Patel Nagar
0117
34
Delhi
New delhi
New Delhi - Shahpurjat
1394
35
Delhi
New delhi
New Delhi - South Patel Nagar
1021
36
Delhi
New delhi
New Delhi Nehru Place
0873
37
Delhi
New delhi
New Delhi-Connaughtplace
0009
38
Delhi
New delhi
New Delhi-Defence Colony
0153
39
Delhi
New delhi
New Delhi-Hauz Khas
0609
40
Delhi
New delhi
New Delhi-Janakpuri
0950
41
Delhi
New delhi
New Delhi-Mayapuri
0948
42
Delhi
New delhi
New Delhi-Model Basti
0488
43
Delhi
New delhi
New Delhi-Pusa Road
0489
44
Delhi
New delhi
New Delhi-Rajendra Place
1022
45
Delhi
New delhi
New Delhi-Saket
1069
46
Delhi
New delhi
New Delhi-Supreme Crtcpd
0207
47
Delhi
New delhi
Parliament Street
0120
48
Delhi
New delhi
Sikh Sarai
1392
49
Delhi
New delhi
Somvihar R.K.Puram
1680
50
Gujarat
Ahmedabad
Ahmedabad Main
0007
51
Gujarat
Ahmedabad
Darbargarh, Bhavnagar
0074
52
Gujarat
Ahmedabad
Hansot
0309
53
Gujarat
Ahmedabad
Jamnagar S.D. Woolen Mills Ltd.
1016
54
Gujarat
Ahmedabad
M.G. Road, Porbandar
0128
55
Gujarat
Ahmedabad
Mahuva Bazar Street
0356
56
Gujarat
Ahmedabad
Muglisara, Surat
0345
57
Gujarat
Ahmedabad
Navrangpura, Ahmedabad
0213
58
Gujarat
Ahmedabad
Nawabwarda Raopura Road, Baroda
0748
59
Gujarat
Ahmedabad
Rajkot Main
0052
60
Gujarat
Ahmedabad
Sayaji Road, Navsari
0092
61
Gujarat
Ahmedabad
Sector 16, Gandhinagar
0991
62
Gujarat
Ahmedabad
Station Road, Surat
0266
63
Himachal Pradesh
Dharamsala
Ghumarwin
0413
64
Himachal Pradesh
Dharamsala
Kotwali Bazar, Dharamshala
1151
65
Himachal Pradesh
Simla
Arki
0392
66
Himachal Pradesh
Simla
Chopal
0411
67
Himachal Pradesh
Simla
Kandaghat
0391
68
Himachal Pradesh
Simla
Rajgarh
0513
69
Himachal Pradesh
Simla
Rohru
0358
70
Jammu and Kashmir
New delhi
Jammu Tawi
0166
71
Jammu and Kashmir
New delhi
Katra
0282
72
Jammu and Kashmir
New delhi
Srinagar-Badshah Chowk
0123
73
Jammu and Kashmir
New delhi
Udhampur
1006
74
Karnataka
Bangalore
Bangalore Cantonment
0151
75
Karnataka
Bangalore
Bangalore Jayanagar
623
76
Karnataka
Bangalore
Bangalore Koramangala
1053
77
Karnataka
Bangalore
Bangalore Main
0024
78
Karnataka
Bangalore
Bangalore-Peenya Indt.Est.
1136
79
Kearala
Thiruvanthapuram
Trivandrum
0288
80
Kerala
Thiruvanthapuram
Ernakulum M.G. Road
1390
81
Maharashtra
Mumbai
Abdul Rehman Street, Mumbai
0107
82
Maharashtra
Mumbai
Andheri East
1550
83
Maharashtra
Mumbai
Andheri West
0877
84
Maharashtra
Mumbai
Bandra East
1731
85
Maharashtra
Mumbai
Boriwali East
1765
86
Maharashtra
Mumbai
Boriwali West
1170
87
Maharashtra
Mumbai
Chembur Colony
0947
88
Maharashtra
Mumbai
Chowpatty
0090
89
Maharashtra
Mumbai
Churchgate RECL, Mumbai
0096
90
Maharashtra
Mumbai
Colaba, Mumbai
0214
91
Maharashtra
Mumbai
Dadar Gokhale Road
0692
92
Maharashtra
Mumbai
Ghatkopar, Mumbai
0006
93
Maharashtra
Mumbai
Goregaon West
0683
94
Maharashtra
Mumbai
Juhu Ville Parle
1269
95
Maharashtra
Mumbai
Kalbadevi, Mumbai
0004
96
Maharashtra
Mumbai
Kandiwali East
0924
97
Maharashtra
Mumbai
Kandiwali West
1657
98
Maharashtra
Mumbai
Khar, Mumbai
0216
99
Maharashtra
Mumbai
M.G.Road, Poona Camp
0068
100
Maharashtra
Mumbai
Madame Cama Road
0386
101
Maharashtra
Mumbai
Malad West
0483
102
Maharashtra
Mumbai
Mandvi, Mumbai
0142
103
Maharashtra
Mumbai
Mumbai Main
0003
104
Maharashtra
Mumbai
Mumbai Wadala
0978
105
Maharashtra
Mumbai
Nariman Point
0529
106
Maharashtra
Mumbai
Pali Hill
0554
107
Maharashtra
Mumbai
Pimpri Chinchwad
0099
108
Maharashtra
Mumbai
Poona Deccan Gymkhana
0687
109
Maharashtra
Mumbai
Queens Road
0316
110
Maharashtra
Mumbai
Santacruz West, Mumbai
0061
111
Maharashtra
Mumbai
Shahupuri, Kolhapur
0088
112
Maharashtra
Mumbai
Sholapur B.C.Mandir
0264
113
Maharashtra
Mumbai
Thane West
1192
114
Maharashtra
Mumbai
Vile Parle East
1415
115
Maharashtra
Mumbai
Warden Road, Mumbai
0093
116
Maharashtra
Mumbai
Worli
0265
117
Maharashtra
Nagpur
Akola Old Cloth Market
0699
118
Maharashtra
Nagpur
Ambajhari Estate Nagpur
0367
119
Maharashtra
Nagpur
Amravati Nagar Wachnalaya Road
0383
120
Maharashtra
Nagpur
Bhusawal
1066
121
Maharashtra
Nagpur
Chandrapur Nagar Parishad Market
0691
122
Maharashtra
Nagpur
Hingna Dist. Nagpur
1268
123
Maharashtra
Nagpur
Itwari Nagpur
0039
124
Maharashtra
Nagpur
Jalgaon
0466
125
Maharashtra
Nagpur
Mount Road Nagpur
0022
126
Maharashtra
Nagpur
Sitabuldi Nagpur
0296
127
Maharashtra
Nagpur
Swavalambi Nagar, Nagpur
1622
128
Manipur
Guwahati
Thangpal Bazar, Imphal
0551
129
Meghalaya
Guwahati
G.S.Road, Shillong
0089
130
Orissa
Bhubaneswar
Ashoka Market
1785
131
Orissa
Bhubaneswar
Banpur
0427
132
Orissa
Bhubaneswar
Baripada
1774
133
Orissa
Bhubaneswar
Berhampur-Hanuman Bazar
0208
134
Orissa
Bhubaneswar
Bhubaneswar CRPHQ
0928
135
Orissa
Bhubaneswar
Bhubaneswar Main
0470
136
Orissa
Bhubaneswar
Bhubaneswar Secretariat
0664
137
Orissa
Bhubaneswar
Bhubaneswar Shahidnagar
0923
138
Orissa
Bhubaneswar
Daspalla
0400
139
Orissa
Bhubaneswar
Khandapara
0418
140
Orissa
Bhubaneswar
Nimpara
0397
141
Orissa
Bhubaneswar
Pallahara
0446
142
Orissa
Bhubaneswar
Paradeep
0835
143
Orissa
Bhubaneswar
Phulbani Main Road
0813
144
Orissa
Bhubaneswar
Puri
290
145
Orissa
Bhubaneswar
Ranpur
436
146
Orissa
Cuttack
Athgarh
0770
147
Orissa
Cuttack
Bajrakabati
0876
148
Orissa
Cuttack
Baramba
0387
149
Orissa
Cuttack
Bhadrak
0439
150
Orissa
Cuttack
Chowdwar
0849
151
Orissa
Cuttack
College Square, Cuttack
0245
152
Orissa
Cuttack
Cuttack Main
0055
153
Orissa
Cuttack
Dhamnagar
0599
154
Orissa
Cuttack
Ganeswarpur Industrial Estate
1291
155
Orissa
Cuttack
Gazipur
1763
156
Orissa
Cuttack
Motiganj Bazar, Balasore
0462
157
Orissa
Cuttack
Narsingpur
0406
158
Orissa
Cuttack
Salepur
0429
159
Orissa
Cuttack
Soro
0371
160
Orissa
Cuttack
Tigria
0438
161
Orissa
Sambalpur
Angul
0579
162
Orissa
Sambalpur
Balaramprasad
1387
163
Orissa
Sambalpur
Bargarh
0638
164
Orissa
Sambalpur
Bolangir
0727
165
Orissa
Sambalpur
Deogarh-Makhan Bldg.
0402
166
Orissa
Sambalpur
Dhenkanal
0440
167
Orissa
Sambalpur
Dhera-Dhera Colliery
0435
168
Orissa
Sambalpur
Jharsuguda
0636
169
Orissa
Sambalpur
Kaniha
0909
170
Orissa
Sambalpur
Rajgangpur Main
0195
171
Orissa
Sambalpur
Rourkela-Bank Colony
0098
172
Orissa
Sambalpur
Rourkela-Basanti Colony
1568
173
Orissa
Sambalpur
Rourkela-Bazar Branch
0144
174
Orissa
Sambalpur
Rourkela-Sector-V
0712
175
Orissa
Sambalpur
Sambalpur
0122
176
Orissa
Sambalpur
South Balanda
0626
177
Orissa
Sambalpur
Talcher
0910
178
Orissa
Sambalpur
Talcher-Power Station Br
0785
179
Pondicherry
Chennai
Church Street Karaikal
0578
180
Pondicherry
Chennai
Pondicherry J.N.Street
0130
181
Pondicherry
Chennai
Pondicherry Main
0059
182
Punjab
Chandigarh
Chawra Bazar, Ludhiana
0104
183
Punjab
Chandigarh
Habowal Kalan
765
184
Punjab
Chandigarh
Millerganj, Ludhiana
0127
185
Punjab
Chandigarh
Mun.Comte.Branch, Ludhiana
0927
186
Punjab
Chandigarh
Patiala Chowk Purani Kotwali
0103
187
Punjab
Jullundhar
Amritsar Main
0012
188
Punjab
Jullundhar
Bank Bazar, Bhatinda
0135
189
Punjab
Jullundhar
Industrial Area, Jallandhar
0825
190
Punjab
Jullundhar
Jalandhar City G.T.Road
0105
191
Punjab
Jullundhar
Pratap Road, Moga
0051
192
Punjab
Jullundhar
Railway Road, Hoshiarpur
0846
193
Punjab
Jullundhar
Railway Road, Pathankot
0278
194
TamilNadu
Chennai
Adyar, Chennai
0158
195
TamilNadu
Chennai
Chennai Main
0041
196
TamilNadu
Chennai
Erode
0848
197
TamilNadu
Chennai
I.C.F.Colony Perambur, Chennai
0568
198
TamilNadu
Chennai
Kumaran Road, Tirupur
1795
199
TamilNadu
Chennai
Kumbakonam
0113
200
TamilNadu
Chennai
Madurai Main
0029
201
TamilNadu
Chennai
Mount Road, Chennai
0271
202
TamilNadu
Chennai
Mylapore, Chennai
0101
203
TamilNadu
Chennai
Purasawalkam H.Road, Chennai
0100
204
TamilNadu
Chennai
Raja Street, Coimbatore
0030
205
TamilNadu
Chennai
Saidapet, Chennai
0959
206
TamilNadu
Chennai
Salem Main Road
0381
207
TamilNadu
Chennai
Seethanagar, Chennai
1724
208
TamilNadu
Chennai
South Car Street, Tirunelveli
0509
209
TamilNadu
Chennai
Sowcarpet, Chennai
0042
210
TamilNadu
Chennai
T.Nagar, Chennai
0176
211
TamilNadu
Chennai
Tiruchirapalli , Madurai Road
0111
212
Tripura
Guwahati
Agartala
0091
213
Uttar Pradesh
Bareilly
Meerut Begum Bridge Road
0192
214
Uttar Pradesh
Bareilly
Moradabad-Bartan Bazar
0204
215
Uttar Pradesh
Lucknow
Gomtinagar Sector I
1654
216
Uttar Pradesh
Lucknow
IT College, Lucknow
0752
217
Uttar Pradesh
Lucknow
Lucknow Main
0046
218
Uttar Pradesh
Lucknow
Lucknow University Camp
0060
219
Uttar Pradesh
New delhi
Ghaziabad
0850
220
Uttar Pradesh
New delhi
Nayabans
0951
221
West Bengal
Burdwan
Asansol G.T.Road
0035
222
West Bengal
Burdwan
Asansol Masjid Bari Lane
0292
223
West Bengal
Burdwan
Bankura
0820
224
West Bengal
Burdwan
Burdwan Bijoy Toran
0189
225
West Bengal
Burdwan
Durgapur Benachiti
0138
226
West Bengal
Burdwan
Hooghly Chinsura
0455
227
West Bengal
Burdwan
Purulia
0896
228
West Bengal
Burdwan
Ranigunj School Para
0047
229
West Bengal
Howrah
Howrah Main
0065
230
West Bengal
Howrah
Midnapore
0827
231
West Bengal
Kolkata
Acharya P.C.Road
1054
232
West Bengal
Kolkata
Alipore Belvedere
0929
233
West Bengal
Kolkata
B.T.Road
0676
234
West Bengal
Kolkata
Bagh Bazar
0256
235
West Bengal
Kolkata
Bagmari Road, Kolkata
1738
236
West Bengal
Kolkata
Ballygunj
0095
237
West Bengal
Kolkata
Ballygunje Circular Road
0837
238
West Bengal
Kolkata
Beadon Street, Kolkata
1739
239
West Bengal
Kolkata
Beck Bagan
0583
240
West Bengal
Kolkata
Behala
0952
241
West Bengal
Kolkata
Belgachia Road
0586
242
West Bengal
Kolkata
Bentick Street
1060
243
West Bengal
Kolkata
Bhownipore
0031
244
West Bengal
Kolkata
Bowbazar
0945
245
West Bengal
Kolkata
Brabourne Road
0190
246
West Bengal
Kolkata
Broad Street
0751
247
West Bengal
Kolkata
Burra Bazar, Kolkata
0014
248
West Bengal
Kolkata
Canning Street
1339
249
West Bengal
Kolkata
Chetla
0906
250
West Bengal
Kolkata
Circus Avenue
0807
251
West Bengal
Kolkata
Cornwallis Street, Kolkata
0023
252
West Bengal
Kolkata
Dharamtala
0149
253
West Bengal
Kolkata
Free School Street
0714
254
West Bengal
Kolkata
G.C.Avenue
0219
255
West Bengal
Kolkata
Garden Reach
1483
256
West Bengal
Kolkata
Golf Green U Complex, Kolkata
1787
257
West Bengal
Kolkata
Hastings
0277
258
West Bengal
Kolkata
Hatibagan
1130
259
West Bengal
Kolkata
Hazra Road
0582
260
West Bengal
Kolkata
India Exchange Place
0002
261
West Bengal
Kolkata
J.Mohan Avenue
1000
262
West Bengal
Kolkata
J.Nehru Road
1073
263
West Bengal
Kolkata
Jadavpur
0164
264
West Bengal
Kolkata
Jodhpur Park
1732
265
West Bengal
Kolkata
Jorasanko
0200
266
West Bengal
Kolkata
Kalighat
0584
267
West Bengal
Kolkata
Kankurgachi
1714
268
West Bengal
Kolkata
Kidderpore
0587
269
West Bengal
Kolkata
L.L.R. Sarani
0286
270
West Bengal
Kolkata
Lenin Sarani
1740
271
West Bengal
Kolkata
Lower Circular Road
0801
272
West Bengal
Kolkata
Manicktala
0585
273
West Bengal
Kolkata
Netaji S.C.Road, Bansdroni
0257
274
West Bengal
Kolkata
New Alipore
0179
275
West Bengal
Kolkata
New Market
0069
276
West Bengal
Kolkata
Park Circus
0178
277
West Bengal
Kolkata
Park Street
0703
278
West Bengal
Kolkata
Prince A.S.Road
0666
279
West Bengal
Kolkata
Purna Das Road, Kolkata
1761
280
West Bengal
Kolkata
R.A.Kidwai Road
0218
281
West Bengal
Kolkata
Rajabazar
0531
282
West Bengal
Kolkata
S.N.Banerji Road
0322
283
West Bengal
Kolkata
Sadananda Road
0940
284
West Bengal
Kolkata
Santoshpur, Kolkata
1770
285
West Bengal
Kolkata
Sarat Bose Road
1481
286
West Bengal
Kolkata
Sealdah
1056
287
West Bengal
Kolkata
Shyam Bazar
0530
288
West Bengal
Kolkata
Southern Avenue
0797
289
West Bengal
Kolkata
Strand Road
0241
290
West Bengal
Kolkata
Tollygunge
0957
291
West Bengal
Kolkata
Ultadanga
0973
292
West Bengal
Salt lake
Berhampur
0817
293
West Bengal
Salt lake
Calcutta Birati
0707
294
West Bengal
Salt lake
Dum Dum-Cantt
0733
295
West Bengal
Salt lake
Dumdum
0163
296
West Bengal
Salt lake
Krishnagar
0878
297
West Bengal
Salt lake
South Dum Dum-Salt Lake
0537
298
West Bengal
Salt lake
Thakurpukur
0661
299
West Bengal
Suri
Cooch Behar
0828
300
West Bengal
Suri
Darjeeling
0900
301
West Bengal
Suri
Jalpaiguri
0066
302
West Bengal
Suri
Malda
0809
303
West Bengal
Suri
Siliguri
0210
304
West Bengal
Suri
Suri-Dangalpur
0454