SBIcapsec — Transfer of funds to bank needs lots of follow up

Website:

www.Sbismart.com

I have noticed many a times that credit balances although showing as transferred to bank account in the ledger in T+2 days there is no credit in the bank account.Wheb you need funds if they are not available then what’s the use and why so much of follow up is needed I fail to understand.If such big companies follow such policies what to speak of other smaller ones?