State Bank Of India [SBI] — High value cheque was returned by sbi service branch

Address:

Nagpur, Maharashtra

State bank of india rejected a high value transaction cheque without any proper information to customer I.e with a reason refer to drawer.they dont even informed the customer about it.upon inquiry we found that due to insufficient kyc they have returned the cheque.how can a general public will know about this kyc process of banks.now The beneficiary to whom the cheque was issued is going to claim interest amount for delay in payment.the same cheque was cleared by sbi after 2 days.we knew that the cheque was passed at rbi server end and the cheque was returned mamually by both sbi and idbi.please guide us accordingly.