We have written to the bank and requested them to direct the concerned person to investigate the same and do the needful. We have asked them to get the money with compensation to their valued customer as per 4.11.1 of RBI’s instructions/ guidelines. The guidelines stipulate that the time limit for resolution of customer complaints by the issuing bank shall stand reduced from 12 working days to 7 working days from the date of receipt of customer complaint. Accordingly, failure to re-credit the customer’s account within seven working days of receipt of the complaint shall entail payment of compensation to the customer @ Rs 100 per day by the issuing bank, provided the claim is lodged with the issuing bank within 30 days of the date of transaction. In your case, the branch has failed to establish the proof of payment/disbursement by ATM. Even after Canara Bank requested your bank to re-deposit the money to the customer account, your bank has done nothing – which itself is deficiency in service.