Dear Arvind,
Please refer the following websites of RBI which will help your cause.
1. www.rbi.org.in/commonman/Upload/English/Content/PDFs/67933.pdf;
2.http://rbidocs.rbi.org.in/rdocs/Content/PDFs/N2009AOR030209R.pdf;
3.www.rbi.org.in/commonman/English/Scripts/AgainstBankFAQs.aspx
Regards,
CS.Smitha.