Reserve Bank Of India [RBI] — Deviation from prescribed rules

Address:

Pauri Garhwal, Uttarakhand, 190006

The sbi branch bemina srinagar j&k seems to have purchased licence to operate. Yesterday that is 2nd of june 2017 i went to the said branch to encash a bearer cheque, which they refused to pay across the counter, reasons multiple here under.
1. The drawee needs to come and encash it.
2. You have to go to the drawee branch to encash it (Inspite of the fact the cheque was payable at par).
3. Give us the payee account number we will credit his account although the cheque was bearer not even order.

Finally i asked for memo which they refused to give and took my signature on the back of the cheque and my account number with the j&k bank branch. They also appended my id card xerox with the cheque.
To my query that why the other banks operating in the state have more easy procedure they had one thing to say, different banks have different rules and rbi has nothing to do with the rules.
Kindly look into it and i demand strick action if they have deviated from rules as same is harassment to customers in general.