State Bank Of India [SBI] — Cheque in cashment policy

Address:

829122

I have not yet received any reply neither from you (RBI) nor from the sbi.regarding the cheque returned by SBI Ramgarh Jharkhand branch, due to confirmation from the drawee of the cheque could not be taken over mobile due to switched off.
Please let me know whether any chq can returned by the bank due to contract not established over mobile with the drawee of the cheque if so then why not others bank is follow this rule.If any cheque is incash without the consent of the drawee, who will be responsible for the said payment.
An early reply in this matter is solicited and hence requested.