Home › Circulars › RBI/2006-2007/412

Doorstep Banking Extended to Individual Customers

No longer current — withdrawn, no replacement on file yet
Source: Reserve Bank of India · RBI/2006-2007/412 · issued 24 May 2007 · ~1 min read
Quick answerRBI now allows banks to deliver cash/drafts to individual customers' doorsteps, in addition to corporate customers, government departments, and PSUs. This expands doorstep banking, subject to secure authentication and technology standards as per circular DBOD.Comp.BC.130/07.03.23/2000-2001.

What changed

Previously, doorstep delivery of cash/drafts was permitted for corporate customers, government departments, and PSUs. Now, banks can also deliver to individual customers against cheques received at the counter or requests via secure channels like phone or internet banking.

What it means for you

Banks can offer a more convenient service to retail customers, potentially increasing customer satisfaction and loyalty. However, they must implement robust security measures, including user authentication as per earlier RBI guidelines, to mitigate fraud risks.

Historical instruction — do not use for current compliance. This is what was required at the time; it no longer reflects current RBI requirements. If no replacement rule is linked above, that only means none is recorded on our register yet — it does not prove no later applicable rule exists. Confirm on the official RBI source below.

What banks were required to do at the time

Who it affects

All scheduled commercial banks (excluding RRBs), Individual retail banking customers, Corporate customers and government departments

❓ Common questions

Regulatory timeline

Built from our lineage records — each fact carries its provenance; missing history simply is not shown (never guessed).

Can we deliver cash to any individual customer's doorstep?

Yes, as per this circular, banks can deliver cash or drafts to individual customers, provided the request comes via a secure channel like phone or internet banking, or against a cheque received at the counter.

What security standards must we follow for doorstep banking?

Banks must adopt technology and security procedures from the June 14, 2001 circular (DBOD.Comp.BC.130/2000-2001), especially user authentication as per paragraph II(b), and take adequate precautions.

Does this apply to Regional Rural Banks (RRBs)?

No, the circular explicitly excludes RRBs from its scope.

📜 This document’s life story (1 recorded event, each backed by RBI’s own words)
Repealed by RBI/2025-26/100 — Consolidation of Regulations — Withdrawal of circulars (28 Nov 2025)
RBI’s words: “Official withdrawal register entry #2428: DBOD.No.BL.BC.99/22.01.010/2006-2007 — "Section 23 of the Banking Regulation Act, 1949 – Doorstep Banking" dated May 24, 2007”
📜 Read the original circular — full text as issued by RBI
RBI/2006-2007/412 DBOD.No.BL.BC. 99 /22.01.010/2006-2007 May 24, 2007 Jyeshtha 03, 1929 Saka All Scheduled Commercial Banks (excluding RRBs) Dear Sir Section 23 of the Banking Regulation Act, 1949 – Doorstep Banking Please refer to our circular No. DBOD.BL.BC.59/22.01.010/2006-2007 dated February 21, 2007  on the above subject. 2 .  Taking into account the   suggestions received from Indian Banks' Association as also some of the banks, the matter was reviewed and it has been decided to permit banks to: (i) deliver cash/draft at the doorstep of the individual customers also (in addition to corporate customers/Government Departments/PSUs etc.) either against cheques received at the counter or requests received through any secure convenient channel such as phone banking/internet banking and (ii) deliver cash/draft at the doorstep of Corporate customers/Government Departments/PSUs etc., against cheques received at the counter or requests received through any secure convenient channel such as phone banking/internet banking, subject to  the banks adopting technology and security standards and procedures as envisaged in our circular DBOD.Comp.BC.130/07.03.23/2000-2001 dated June 14, 2001, including those specifically relating to authenticating users as indicated in paragraph II(b) thereof and taking adequate safeguards/precautions in undertaking the above transactions. Yours faithfully (P.Vijaya Bhaskar) Chief General Manager
Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2006-2007/412 · issued 24 May 2007. The plain-English explanation above is BankPulse’s own independent summary.
🧰 Tools — save, print, templates & related
Most relevant forBranch Manager — Private Bank / SFBBranch Operations (Accounts / FD / CASA)Teller / Cashier / Customer Service OfficerCompliance TeamIT & Cyber SecurityPersonal Banker / Branch RM (Portfolio)
🛠 Banker’s toolkit — checklists & reply templates →
Related circulars · Department of Regulation
SFB Pillar 3 Disclosure Norms Aligned with BaselUCB Deposit Rate Disclosure & Uniformity Rules UpdatedLAB Deposit Rate Disclosure & Uniformity Rules TightenedPayments Banks: Interest Rates Must Match Disclosed ScheduleRBI Updates Bulk Deposit Rate Rules and Disclosure Timing
Browse all departments →

💬 Banker Discussion

Discuss this circular with fellow bankers — reply, upvote what helps, report what doesn’t belong. Be professional; no client data. Views are the commenter’s own, not BankPulse’s.

Loading comments…
BankPulse Compliance Evidence Pack — generated 05 Aug 2026 · status cross-checked against RBI’s official withdrawal register (refreshed weekly).
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=3548&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by our expert reviewer, CA Amit Jain. Independent platform, not affiliated with the Reserve Bank of India; is our own plain-English paraphrase, not RBI’s original wording.
Public beta — plain-English informational summaries. Always verify against the official RBI source (circular number cited on every page) before making compliance, credit, treasury, audit, or operational decisions. · Join our WhatsApp channel ↗
—