RBI/2012-13/382
DPSS.CO.PD.No.1207/02.10.002/2012-2013
January 17, 2013
The Chairman and Managing Director / Chief Executive Officers
All Scheduled Commercial Banks including RRBs /
Urban Co –operative Banks / State Co-operative Banks /
District Central Co-operative Banks
Madam / Dear Sir
Declines in ATM transactions – reporting of
Please refer to our circular DPSS. No. 101/02.10.02/2009-2010, dated July 17, 2009 on the subject in terms of which banks are required to place a quarterly review of ATM transactions to its Board of Directors, indicating, inter alia, the quantum of penalties paid, reasons thereof and the action taken to avoid recurrence of such instances.
2. In addition to the above, banks are advised to simultaneously place a quarterly review of ATM transactions to its Board of Directors, indicating, inter alia, the denial of services to the customers at ATM sites (broadly in the enclosed format), reasons thereof and the action taken to avoid recurrence of such instances. Banks are also advised to forward a copy of the report along with the observations of the Board to the Chief General Manager, Reserve Bank of India, Department of Payment & Settlement Systems, Mumbai.
3. The directive is issued under section 18 of Payment and Settlement Systems Act 2007, (Act 51 of 2007). Non-adherence to the provisions of this circular shall attract penalty as prescribed under the Payment and Settlement Systems Act 2007 (Act 51 of 2007).
4. Please arrange to place a copy of this circular before the Board.
5. Kindly acknowledge receipt.
Yours faithfully,
(Vijay Chugh)
Chief General Manager
Enclosures: 2
|
Bank: |
Denial of service at ATMs for the quarter ended …. |
||||||
|
Month |
No. of ATMs |
ATM transactions Approved |
ATM transactions Declined |
Total Declines (4+5) |
Business Decline* % (4/6*100) |
Technical Decline* % (5/6*100) |
|
|
Business Decline |
Technical Decline |
||||||
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
M1 |
|||||||
|
M2 |
|||||||
|
M3 |
|||||||
|
Total |
|||||||
Indicative list of ATM declines
|
Serial No. |
Description |
Decline type |
|
1. |
Invalid transaction |
Business |
|
2. |
Card not on file |
Business |
|
3. |
Expired card |
Business |
|
4. |
Invalid PIN |
Business |
|
5. |
Invalid amount field |
Business |
|
6. |
Invalid response code |
Technical |
|
7. |
Processor down |
Technical |
|
8. |
Invalid card number |
Business |
|
9. |
Module processing error |
Technical |
|
10. |
Excessive PIN tries |
Business |
|
11. |
Invalid account |
Business |
|
12. |
Exceed withdrawal limit |
Business |
|
13. |
Exceeded number of tries |
Business |
|
14. |
Invalid message |
Technical |
|
15. |
Key sync error |
Technical |
|
16. |
Lost or stolen card |
Business |
|
17. |
Restricted use |
Business |
|
18. |
Do not honour |
Business |
|
19. |
Exceeds funds available |
Business |
|
20. |
Customer cancel |
Business |
|
21. |
Full reversal |
Technical |
|
22. |
Invalid transaction for the card |
Business |
|
23. |
Hardware fault |
Technical |
|
24. |
General denial |
Business |
|
25. |
Unable to process |
Technical |
|
26. |
Unable to process reversal |
Technical |
|
27. |
Unable to process Store and Forward |
Technical |
|
28. |
Suspected fraud |
Business |
|
29. |
Timeout |
Technical |
|
30. |
Invalid debit account |
Business |
|
31. |
Invalid credit account |
Business |
|
32. |
No routing for institution/network |
Technical |
|
33. |
Restricted card |
Business |
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Notification No : DPSS.CO.PD.No.1207/02.10.002/2012-2013Published in Others