RBI & Banking: Batch 08 Action Guides

10 distinct application pages. The established Finin2min hub remains the canonical source/law layer.

Bank Freezes Current Account for KYC Review During Payroll Week: Business Continuity Checklist

For **Bank Freezes Current Account for KYC Review During Payroll Week**, first fix **account/product identity** and the governing date. Reconcile **interest/charge calculation** to the **facility/mandate record**, then complete the operational step only when **bank/system reconciliation** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

RTGS Payment Returned After Beneficiary Bank Closure: Accounting and Recovery Workflow

For **RTGS Payment Returned After Beneficiary Bank Closure**, first fix **transaction chronology** and the governing date. Reconcile **KYC/covenant status** to the **payment/settlement evidence**, then complete the operational step only when **grievance/recovery route** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

UPI Merchant Settlement Short by One Transaction: Acquirer, PSP and Bank Reconciliation

For **UPI Merchant Settlement Short by One Transaction**, first fix **interest/charge calculation** and the governing date. Reconcile **bank/system reconciliation** to the **KYC/covenant file**, then complete the operational step only when **account/product identity** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

POS Chargeback Debited from Merchant Account: Evidence, Timelines and Accounting Checklist

For **POS Chargeback Debited from Merchant Account**, first fix **KYC/covenant status** and the governing date. Reconcile **grievance/recovery route** to the **calculation/reconciliation**, then complete the operational step only when **transaction chronology** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Corporate Credit Card Employee Expense Disputed: Card, GST and Payroll Reconciliation

For **Corporate Credit Card Employee Expense Disputed**, first fix **bank/system reconciliation** and the governing date. Reconcile **account/product identity** to the **complaint/reference record**, then complete the operational step only when **interest/charge calculation** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Bank Charges GST but Invoice Missing: ITC Evidence and Vendor-Compliance Workflow

For **Bank Charges GST but Invoice Missing**, first fix **grievance/recovery route** and the governing date. Reconcile **transaction chronology** to the **bank statement**, then complete the operational step only when **KYC/covenant status** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Loan Interest Certificate Differs from Bank Statement: Tax and Accounting Reconciliation

For **Loan Interest Certificate Differs from Bank Statement**, first fix **account/product identity** and the governing date. Reconcile **interest/charge calculation** to the **facility/mandate record**, then complete the operational step only when **bank/system reconciliation** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Working-Capital Account Drawing Power Updated Late: Bank, Stock Statement and Interest Impact

For **Working-Capital Account Drawing Power Updated Late**, first fix **transaction chronology** and the governing date. Reconcile **KYC/covenant status** to the **payment/settlement evidence**, then complete the operational step only when **grievance/recovery route** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Foreign Currency Account Conversion Rate Dispute: Bank Deal Slip and Accounting Evidence

For **Foreign Currency Account Conversion Rate Dispute**, first fix **interest/charge calculation** and the governing date. Reconcile **bank/system reconciliation** to the **KYC/covenant file**, then complete the operational step only when **account/product identity** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow

Bank Adds New Covenant During Renewal: Facility Letter, Board Approval and Compliance Calendar

For **Bank Adds New Covenant During Renewal**, first fix **KYC/covenant status** and the governing date. Reconcile **grievance/recovery route** to the **calculation/reconciliation**, then complete the operational step only when **transaction chronology** and the evidence agree. If the source is a draft, consultation or strategy report, do not convert it into an operative legal requirement.

P1 — high-intent workflow