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State Bank of India [SBI] Complaints & Reviews

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Updated: Dec 17, 2025
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State Bank of India [SBI] reviews & complaints page 678

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G
Gajendra Prajapati
from Varanasi, Uttar Pradesh
Sep 30, 2017
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Address: Bhilwara, Rajasthan

Hello...
I am gajendra prajapati from bhilwara rajasthan. Mera aap se yahi kahana ha ki sbi jo cdm charge lee rahi ha vo sahi nahi ha. Ham etani mahanat se money earn karta ha. Jab ham apane hi money ko apane hi a/c me jama karata ha to ye charge ku liya jaata ha
Aap se nivadan ha ki aap ya to money jama karane ki limit bada de ya cdm charge ko band kara.
So plz i really request to close the cdm charge...
Thanks
Gajendra prajapati
State Bank of India [SBI] customer support has been notified about the posted complaint.
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    K
    ksaiprathap
    from Vijayawada, Andhra Pradesh
    Sep 30, 2017
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    Sir,
    This mugatha murali. I have an account in sbh plnr a/c. No [protected], i have been transfer rupees 2500 to another account in sbi plnr a/c. No.[protected] through state bank freedom application on[protected] the amount has debited in my account but not credited in other account.
    It has been to another account a/c. No[protected].
    I request you to credit my amount.
    +1 photos
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      L
      Laxmi Prajapati
      from Delhi, Delhi
      Sep 30, 2017
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      Address: 206245

      Hello sir,
      Same thing happened to me today (29/09/2017). I got the call from [protected] and he said 'he is sbi bank manager your atm is being blocked so to reactivate it varify your card now'. And he took my card details somehow i denied to give him otp and thus transaction couldn't be possible. But the problem is that he is still trying to hack my card details and otp and may be in future he'll try again to get money from my account. What should i do now? Please respond because it's the recent case.
      My name is laxmi
      Sbi branch : jaswant nagar
      State Bank of India [SBI] customer support has been notified about the posted complaint.
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        A
        Anu Gohrani
        from Vasai-Virar, Maharashtra
        Sep 29, 2017
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        Address: 400005

        Sir i have account no [protected] and 3 wrong transaction through my sbi debit card no 54xxx2116 was done on pos [protected]. The txn are 432998, 643493 and 414262. I have called to register the complain regarding this at [protected] and also met to branch manager of my home branch but no positive reply was given. I didn't share my card details to any one and always do the online transaction through secured sbi payment gateway. As card is with me so pos transaction also not possible. I feel my card details was stolen through sbi secured payment gateway. Please look into it and do needful. Thanking you.
        +2 photos
        State Bank of India [SBI] customer support has been notified about the posted complaint.
        brother option of finger print purchase was to be close in google play store because by finger print authentication they stolen amount without otp also
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          A
          akp12345
          from Indore, Madhya Pradesh
          Sep 29, 2017
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          Address: Indore, Madhya Pradesh, 452009

          Your bank has introduced criteria for monthly average balance (Mab) in savings bank accounts and charges for non maintenance of mab w. E. F. 24.04.2017 and 01.10.2017. Your bank had passed on sms to me in april 2017 for maintaining minimum balance of rs. 3000/- as indore city falls under urban city. Accordingly, i immediately deposited rs. 1000/- on 27.04.2017 to fulfill the criteria of minimum balance of rs. 3000/-. Despite of clear cut rules for charging mab, your bank has debited mab charges considering indore city under metro city. You can observe that the monthly average balance (Mab) was rs. 3000/- or more during april 2017 to september 2017. It is observed that your bank has wrongly debited rs. 233.00 during the period april 2017 to august 2017. We request you to please reverse the wrongly debited mab charges + interest @ 12% per annum on the wrongly debited mab charges immediately.
          +9 photos
          State Bank of India [SBI] customer support has been notified about the posted complaint.
          Sep 29, 2017
          Updated by akp12345
          Date: 29.09.2017
          To
          The chief manager
          State bank of india
          R. N. T. Marg indore branch
          Ug-3, corporate house,
          R. N. T. Marg
          Indore - 452001 (M. P.) from
          Mr. Ashok porwal
          Flat no. 201, maruti apartments, 255, usha nagar extension, opp. Ranjit hanuman mandir
          Indore – 452009 (M. P.)

          Dear sir,

          Sub: refund of wrong charges debited in s. B. A/c no. [protected]

          I am having s. B. Account no. [protected] (Cif no. [protected]) with you.

          Your bank has introduced criteria for monthly average balance (Mab) in savings bank accounts and charges for non maintenance of mab w. E. F. 24.04.2017 and 01.10.2017 detailed as under:-.
          Existing w. E. F. 24.04.2017 proposed w. E. F. 01.10.2017
          Area monthly average balance area monthly average balance
          Metro rs 5, 000/- metro & urban rs 3, 000/-
          Urban rs 3, 000/-
          Semi urban rs 2, 000/- semi urban rs 2, 000/-
          Rural rs 1, 000/- rural rs 1, 000/-

          Your bank had passed on sms to me in april 2017 for maintaining minimum balance of rs. 3000/- as indore city falls under urban city. Accordingly, i immediately deposited rs. 1000/- on 27.04.2017 to fulfill the criteria of minimum balance of rs. 3000/-.

          Despite of clear cut rules for charging mab, your bank has debited mab charges considering indore city under metro city detailed as under:-
          Date particulars debit credit closing balance
          31.03.2017 2274.01
          27.04.2017 cash deposited 1000.00 3274.01
          08.06.2017 monthly avg-bal non maintenance charges 57.50 3216.51
          16.06.2017 credit 156.00 3372.51
          25.06.2017 credit 30.00 3402.51
          14.07.2017 monthly avg-bal non maintenance charges 57.50 3345.01
          21.07.2017 credit 440.00 3785.01
          19.08.2017 monthly avg-bal non maintenance charges 59.00 3726.01
          31.08.2017 monthly avg-bal non maintenance charges 59.00 3667.01
          25.09.2017 credit 34.00 3701.01
          26.09.2017 credit 10.00 3711.01
          26.09.2017 credit 40.00 3751.01
          29.09.2017 debit 2360.00 1391.01

          Thus you can observe that the monthly average balance (Mab) was rs. 3000/- or more during april 2017 to september 2017 detailed as under:-
          Apr-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          27.04.2017 to 30.04.2017 4 3274.01 13096.04 3274.01

          May-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          01.05.2017 to 31.05.2017 31 3274.01 101494.3 3274.01

          Jun-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          01.06.2017 to 15.06.2017 15 3274.01 49110.15
          16.06.2017 to 24.06.2017 9 3430.01 30870.09
          25.06.2017 to 30.06.2017 6 3460.01 20760.06
          Total 30 100740.3 3358.01

          Jul-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          01.07.2017 to 20.07.2017 20 3460.01 69200.2
          21.07.2017 to 31.07.2017 11 3616.01 39776.11
          Total 31 108976.3 3515.36

          Aug-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          01.08.2017 to 31.08.2017 31 3616.01 112096.3
          Total 31 112096.3 3616.01

          Sep-17
          Period days balance/rs. Total/rs. Average balance/rs.
          (1) (2) (3) (4) (5)
          (2x3) (4/2)
          01.06.2017 to 24.09.2017 24 3616.01 86784.24
          25.09.2017 1 3650.01 3650.01
          26.09.2017 to 27.09.2017 2 3700.01 7400.02
          28.09.2017 to 30.09.2017 3 1340.01 4020.03
          Total 30 101854.3 3395.14

          It is observed that your bank has wrongly debited rs. 233.00 during the period april 2017 to august 2017. We request you to please reverse the wrongly debited mab charges + interest @ 12% per annum on the wrongly debited mab charges immediately.

          Thanking you

          (Ashok porwal)
          Oct 01, 2017
          Updated by akp12345
          Date: 30.09.2017

          To
          The chief manager
          State bank of india
          R. N. T. Marg indore branch
          Ug-3, corporate house,
          R. N. T. Marg
          Indore - 452001 (M. P.)

          Sub: customer care: refund of wrongly debited mab charges in s. B. A/cs in indore and such other urban cities.

          We are having s. B. Account no. [protected] (Cif no. [protected]) with above branch.

          Your bank has introduced criteria for monthly average balance (Mab) in savings bank accounts and charges for non maintenance of mab w. E. F. 24.04.2017 and 01.10.2017 detailed as under:-

          Existing w. E. F. 24.04.2017 - monthly average balance
          Metro: rs 5, 000/-
          Urban: rs 3, 000/-

          Proposed w. E. F. 01.10.2017-monthly average balance
          Metro & urban: rs 3, 000/-

          Your bank had passed on sms to us in april 2017 for maintaining minimum balance of rs. 3000/- as indore city falls under urban city. Accordingly, we immediately deposited rs. 1700/- on 27.04.2017 to fulfill the criteria of minimum balance of rs. 3000/-.

          Despite of clear cut rules for charging mab, your bank has debited mab charges considering indore city under metro city your bank has wrongly debited rs. 233.00 during the period april 2017 to august 2017. The monthly average balance (Mab) was rs. 3000/- or more during april 2017 to september 2017.


          We request you to please reverse the wrongly debited mab charges of rs. 233.00 + interest @ 12% per annum on the wrongly debited mab charges as indore is urban city (Criteria of minimum balance of rs. 3000/-) and not metro city (Criteria of minimum balance of rs. 5000/-). Thus a lot of customers have been deceived by your bank. If we consider 10 lacs such cases, then the fraud works out to rs. 23.30 crores (Rs. 233/- x 10 lacs customers) during may 2017 to august 2017. If the same will continue, it will manifold. The responsible should be catched immediately to stop the same.

          Thanking you

          (Ashok porwal)
          Ms. Niharika porwal & ashok porwal
          Flat no. 201, maruti apartments,
          255, usha nagar extension,
          Opp. Ranjit hanuman mandir
          Indore – 452009 (M. P.)
          Email: [protected]@ymail.com
          : [protected]@gmail.com
          M. No. : [protected]
          : [protected]
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            S
            Sourav Rajoriya
            from Agra, Uttar Pradesh
            Sep 29, 2017
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            Address: Agra, Uttar Pradesh

            Respected sir i want to say that my father passed away on 5 jan 2017 and his account and saving amount is 1097000 approx and there is no nominee and i filled 4 deceased claim settlement form and fulfill all the requirements and the officer in agra zonal office ignoring me and rejected my paper 5 times says there is guarantor issue and i also affix the property paper up to the claim amount and they says this property will not work find out the other paper
            I m financially week and there is no member in my family only my widow mom and my sister. Amd we are facing so much difficulty and resolve my issue as soon as possible
            Otherwise i have to file a rti and post on grievance cell as well
            Case agra zonal office sanjay place.
            Officer name ajit kumar
            They deny for payment for our money
            And sbi talking about helping the customer and we are facing the problem for claiming our own money
            State Bank of India [SBI] customer support has been notified about the posted complaint.
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              C
              Chandrakanth Chandu
              from Kunnamangalam, Kerala
              Sep 29, 2017
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              Address: Ramanagara, Karnataka
              Website: Amazon

              To sbi
              Respected sir/madam

              Amazon initiated my cash of 23800/-through sbi to my debit card on 21september 2017 and i have referral number my home branch in harohalli (562112) is not helping me, also sbi customer care is not at all accepting my referral number please help me and this is not a small amount for me please please help to get it resolved, i don't even know where to go i am totally blank

              Please contact me [protected]@gmail.com
              State Bank of India [SBI] customer support has been notified about the posted complaint.
              Oct 01, 2017
              Updated by Chandrakanth Chandu
              Please help me, incase if you need any more details please ask me, i will share please help, please contact me [protected], or [protected]@gmail.com
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                D
                D M Kulkarni
                from Bengaluru, Karnataka
                Sep 29, 2017
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                Address: Dharwad, Karnataka

                Today my cheque has been dishonoured i. E rs 5000 cheque, bank debited 590 rs from my account without my notice. I want to know the charges slab of dishonoured cheque due to insufficient balance. What you have charged is too me is high, bank has restricted for customers cash transaction 3 times per month and insist customers to promote cashless transactions. But, what about self employed or professionals.
                State Bank of India [SBI] customer support has been notified about the posted complaint.
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                  V
                  varun raghuver
                  from Chirala, Andhra Pradesh
                  Sep 29, 2017
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                  Address: Adilabad, Andhra Pradesh, 504001

                  My amount 49500/- (99notes - (500/-) were struck in the cash deposit machine at sbi branch, punjab chowk, adilabad when i was depositing to the account of a. Murali mohan reddy ac/no: [protected] on26/9/2017 evening 7.40pm. When i gave the request letter on 27/9/2017 the cash officer asked to come on 29/9/2017 and when i went and asked him about my problem he is so reckless and rude that he was not even willing to answer and said.. That you can complaint to any one you like.
                  Please solve my problem
                  State Bank of India [SBI] customer support has been notified about the posted complaint.
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                    S
                    Soaib sheikh
                    from Indore, Madhya Pradesh
                    Sep 29, 2017
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                    Address: Mehsana, Gujarat, 382870
                    Website: www.sbi.co.in

                    This bank is not accepting deposit of 10 rupees coins. It refuses by saying that rbi had made rule that the said denominations will not be accepted in banks. And he said that you go and close your account from our bank. He said that go to local shops and use your money for your day to day purpose. Please take an actiin agains this rude behaviour
                    State Bank of India [SBI] customer support has been notified about the posted complaint.
                    Sep 23, 2017
                    Samarchakra's response
                    I made payment from sbi freedom app on 18.09.2017 amount of 19000 rupees to sbi card but amount deducted but not credit to sbi card
                    I keep receiving SMS for bank account transactions but I have no such account. A/c No. XXXXX883719.
                    Please check on the oversea Singapore number you are sending these updates to.

                    not accepting 10 rs coin - Comment #2867748 - Image #0
                    Sir/Medam
                    I want to surrender my SBI credit card no.[protected] due to my some personal problem. Kindly tell me the procedure of surrender of credit card.
                    M- [protected]
                    I am kavita kumari. I have added TO DREAM11 but not added moneyto this sits.A message is recived to my mobile THANK you or using your SBI Debit Card 607XX6706 for a purchase worth RS1000.0 on POS[protected] at ONE 97 communication TNX[protected] . my account no is [protected]. I[censored] kindely refund my amount .I would be kindley obeliged.
                    Payment made 19000 on 18.09.2017 amount deducted but payment not been made to sbi card
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                      N
                      Narinder Gujral
                      from Delhi, Delhi
                      Sep 29, 2017
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                      Address: Pune, Maharashtra

                      Dear sir,
                      I am pan card holder no. Aampg5767c in the name of narinder bir singh gujral. My it return for the year 2017-18 has been processed and i have been informed that the refund has been instructed to the income tax refund branch to remit the same to me. But on enquiry on telephone i have been told that no such instruction has been received. Could you please look in the matter and arrange to get my tax refund remitted to me.

                      Regards,
                      N. B. S. Gujral
                      [protected]
                      State Bank of India [SBI] customer support has been notified about the posted complaint.
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                        D
                        Dipa.n
                        from Ahmedabad, Gujarat
                        Sep 29, 2017
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                        Address: Ahmedabad, Gujarat, 380008

                        I gott the fraud call saying that person i from sbi, she gave me her employee id & everything, she was already having my all the debit card details, she just manipulated me with her words and just asked me to read the message which she sent me on my number i read that and suddenly i got the message that your account has been deducted with 25000/- rs. That mobile number is still active, how that person had all my debit card details even though i do not carry my card anywhere, so how she was having my all the details. Please guide me for the process.
                        State Bank of India [SBI] customer support has been notified about the posted complaint.
                        Sep 23, 2017
                        Dhawan Vipan's response
                        i deposit cash RS 14000/ my sbi bank at ghalamala chowk majitha road asr TODAY branch code no is 00748 atm machine no is A[protected]

                        BUT ATM RECEPIT DELIVERED ONELY NOTES DETAIL (500*12) (2000*4)= & WRITE ON SLIP NOTES LEFT BEHIND I M IN TENSTION IN MIND MY OLD BALANCE SHOW RS 1136.91= PLZ UPDATE MY BALANCE URGENT
                        I C.Rsghunatha Sai holfing savings A/C with SBI RTC Branch, Hyderabad with no [protected]. Applied for chique book at branch 3 months ago for delivery at my presidente. So far not received. Again applied through on line baking. The charges were desired immediately. But i have not received chique book so far. My mail id [protected]@gmail.com.
                        I deposit cash rs 14000/ today 23/09/17 at sbi bank branch code no 00748 sbi atm machine no is a[protected] ghala mala chowk majitha road amritsar

                        i recevied atm recipet on notes left behind

                        my balance not update show onely my old balance rs 1136.91/=
                        plz my update my balance urgent
                        My top up home loan account no. [protected] was closed in July but today I have an message of ecs of Rs350 bounced from axis bank. Pleasee see to this problem.

                        Kapil kumar
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                          S
                          sragarwal_123
                          Sep 29, 2017
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                          Address: Pune, Maharashtra, 411006

                          Sir,

                          I am rising complaint against the sbi card regarding the fraudulent transaction on my sbi card ([protected]). I am not receiving any proper response from the bank.

                          There was a fraudulent transaction on my card on 28th march 2017 around 11:20 am i immediately registered a complained around 11:30 in the sbi customer care, but no immediate action was taken from your end. I have also registered the complaint with cyber cell complaint number 1050. Also all my details such as cvv number, card number, birth date, phone number etc was with the fraud people that mean there is a leakage of my data,

                          I received i call around 1:30pm on 28th march 2017 from sbi customer care, that we will try and send the email now to concern department hope that the amount gets back.

                          After 10-15 days i received a email from sbi that this case is not in your favour so you have to pay the amount, and the clarification for this was that you have received the sms of the transaction on your registered mobile nothing apart from that.

                          Obviously, it is a common sense that if transaction is done i will received the sms but my main concern why the account was not freeze immediately, in which the money was transferred. Also i have a concern that if i can receive on part of 4805 after 20 days of the complaint, why the other amount can’t as i think that sbi is also in between of this fraudulent transaction.

                          Also there was data leakage from sbi of my card number, mobile number, and cvv etc.

                          Bank is directly saying that i am liable to pay the amount.

                          Already now i have getting the harrasing call fromm the sbi bank on daily bank

                          Appreciate your quick response on this and deep inquiry on this.

                          Thanks & regards

                          Shailesh agarwal

                          [protected]
                          State Bank of India [SBI] customer support has been notified about the posted complaint.
                          Nov 08, 2017
                          Updated by sragarwal_123
                          Customer support has already notified about the posted complaint.

                          You are just harassing the people.

                          Thanks
                          Mar 29, 2018
                          Updated by sragarwal_123
                          Still not receiving any resolution from the bank and daily the harassment call is been receiving from their collection agency.

                          Request you to please help me out on this

                          Thanks
                          Shailesh
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                            S
                            Satender Kr
                            from Bengaluru, Karnataka
                            Sep 29, 2017
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                            Address: Rewari, Haryana, 123401

                            Today i. E. 29.09.2017 at about 10:20a. M., i visited in your sbi bank, br. Mini secretariat, rewari (Hr.) regarding banking transaction on green channel in my a/c [protected]. Firstly the concerned employee denied me that server not responding then i requested to check connectivity again but he did not give any response, after that the manager heard about the incident he himself stand-up his seat and check the connectivity and re-start the machine and then i got transaction and stay in queue for cash.in between i went to manager for some query regarding my account and within a few minute i came back to concerned employee for taking cash on my transaction. The five more persons was also at that counter and i requested him to complete my transaction but he did not take any heed and i again requested him that i have done my transaction ten minute ago and i went to manager for some query, then he say me with rudely "to cash bhi manager se hi lele me to sabhi kam karke baat karoonga peeche jakar wait kar le". The concerned employee knowingly do not start the green channel not helping nature at a public dealing counter and his way of taking is very rudely and wrongful which effect on customers due to bad service and way of taking because the green channel is more best way of transaction without paper and without queue as per govt./rbi instructions. Therefore, you are requested to take a proper action on the default employee and he may be transferred to other non-public dealing seat, so that the work of bank may not suffer.
                            Thanking you.
                            Applicant
                            Satender yadav
                            A/c [protected].
                            Mob.[protected]
                            State Bank of India [SBI] customer support has been notified about the posted complaint.
                            Forget passeord and username
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                              R
                              Rajiv Hasija
                              from Delhi, Delhi
                              Sep 29, 2017
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                              Address: Gurgaon, Haryana, 122001

                              I paid my sbi cr card no [protected] payment on 15.09.2017
                              From icici bank ratan garden gurgaon -122001 saving acc. No[protected] cheque no 030350 on record /proof ie bank statements proves.
                              Inspire of my request to rectify your mistake your collection center is after me. My ref no is[protected]. Bank statement clearly shows that i had made this payment but according to this reference feedback sbi deny this payment.
                              State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                trushit modi
                                from Coimbatore, Tamil Nadu
                                Sep 29, 2017
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                                Address: Vadodara, Gujarat

                                Date:29/9/2017 today morning when we go to nearby branch mandvi baroda head office sbi branch to paid e memo for not wearing helmet memo branch manager said that why are u not wearing helmet and say that you have no manner. This is not her duty this work is for traffic department not her. And he behaves with such a wrong he doesn't have manner how to talk with customers. If you cannot give the service why are u taking the responsibility. I think that u will take some step for this misbehaving system. Thanku.
                                State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                  colnbsingh47
                                  from Kolkata, West Bengal
                                  Sep 29, 2017
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                                  1. Refer ppo no: m/003158/2007; corrigendum ppo no: m/corr/014891/2009 ; corrigendum ppo no: m/corr/6163/2015 & m/corr/6163/2017 and unique id : r03977302
                                  2. I am a retired army officer and i am entitled 50% disability pension.. My disability pension should be rs. 32768 /- per month as my basic pension is rs.109225/- per month.
                                  3. But, unfortunately i am not getting my disability pension regularly, even my pension profile is not updated. It is causing anxiety and financial loss.
                                  4. Please calculate the arrears, caused by irregular payment of disability pension.
                                  Your fathfully
                                  Mr - 04625 m col (Ts) n b singh
                                  Acct no: [protected] ; sbi, bhiwadi (7052)
                                  Ppo no: m/003158/2007
                                  E-mail id : [protected]@rediffmail.com
                                  Mobile: [protected]
                                  State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                    palsharma
                                    from Jammu, Jammu and Kashmir
                                    Sep 29, 2017
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                                    Respectfully, itis stated that rs.1000/- had been deducted twice, firstly from a/c no. [protected] on 03/08/2017 and secondlyit again deducted on 20/09/2017 from a/c no.[protected] for the renewal of policy no.[protected] certificate no.36007783 for the period 04/08/2017 to 03/08/2018. Please creidt back excess (Double) amount of rs.1000/- dedected in my account. Last year the same thing also happend.in future premium my be deducted from my a/c, no [protected] only. An early action in the matter is highly solicited.
                                    State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                      Pandu Machagoni
                                      from Adoni, Andhra Pradesh
                                      Sep 29, 2017
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                                      Address: Ranga Reddy, Andhra Pradesh
                                      Website: Rude behaviour and service is poor

                                      This complaint is regarding the deputy manager rajkumar working in vikarabad sbi branch in telangana. He always talks more and reject the appeals to solve, i think he doesn't have much knowledge of banking rules and regulations the customers annoyed with his rude behaviour i think he felt i am the local nativity nobody do anything. So please transfer him from here.
                                      State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                        Ketan555
                                        from Deulgaon Raja, Maharashtra
                                        Sep 28, 2017
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                                        Branch code:00371 (Achalpur civil lines)
                                        Their is no one employee present at passbook printing counter. What sbi really want to do for us. Because pass book print machine is already close from few days and senior citizen comming regularly for it and branch tell ' aaj aadmi nahi hai'. Sir i m requesting you plz take it seriously. And provide us better service and support
                                        State Bank of India [SBI] customer support has been notified about the posted complaint.
                                        Sep 28, 2017
                                        Updated by Ketan555
                                        Unavailability of employees at pass book printing counter from few days
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