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VIJAYA BANK

INDEX:

Head Office,

Money Transfer Service

M.G.Road,

Bangalore–560001

Merchant Banking

CIRCULAR No.12113

Date: 07-06-2012

To:

ALL BRANCHES AND ALL OTHER OFFICES

Dear Sir,

Subject:

Western Union Money Transfer [WUMT] Services

Summary

Re-entering with Wall Street Finance Ltd [WSFL] – a Principal Agent of [M/s Western Union Money Transfer Services – Inc.[USA]]

Earlier

HOC 10075/2010 dated 06.05.2010 HOC 119/2005 dated 24.06.2005

Reference

Background

Money Transfer Service Scheme (MTSS) is a quick and easy way of transferring personal remittances from abroad to beneficiaries in India. Only inward personal remittances into India such as remittances towards family maintenance and

remittances favouring foreign tourists visiting India are permissible. No outward remittance from India is permissible under MTSS. The system envisages a tie-up

between

Overseas

reputed

money

transfer

companies

abroad

known

as

Principals and agents in India known as Indian Agents, who would disburse the funds to the beneficiaries in India at ongoing exchange rates. The Indian Agent is not allowed to remit any amount to the Overseas Principal. Under MTSS, the remitters and the beneficiaries are individuals only. Most of the Indians who work abroad use MTSS channel to send money to their family members, friends etc residing in India. The Overseas Principals operate in India through their Super Agents/Principal Agents who in turn appoint Sub Agent as payment outlet.

The Money Transfer Scheme operates as under:

A. At the overseas location:

01)The remitter abroad remits the money through one of the outlets of Agent location of Overseas Principal. The formalities of remittance are similar to one we are using in case of DD. 02)At the remittance outlet a unique secret number is generated and it is furnished to the remitter. This number serves as a reference number for the transaction. The remitter, along with the details of amount remitted, passes this number to the intended beneficiary (receiver) in India.

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B. At the paying location in India

01)The Receiver in India goes to one of the payment outlet and submits an application furnishing the details of remittance and unique number. 02)The receiver is required to submit his Identity Proof and Address proof as per KYC norms. 03)The paying agent logs on to website of Overseas principal and blocks the unique number for payment. 04)After verification of ID and Address proof of the receiver, the amount is paid to the receiver.

Important RBI guidelines for Money Transfer Service Scheme.

01) Only personal remittance such as remittance towards family maintenance and remittances favouring foreign tourists visiting India are permissible. Both Receiver & Sender should be Individuals. Trade related remittances towards purchase of property, investments or credit to NRE/FCNR accounts etc or donations/contributions to Charitable Institutions/Trusts are not permissible under the scheme. 02) The maximum amount that can be received by the beneficiary per transaction from abroad is USD 2500 or its equivalent. 03) Payments to the recipients in India should be made in Indian Rupees on the basis of on-going exchange rates. 04) During a calendar year an individual can receive only 12 remittances. 05) Amount remitted below `50000 can be paid in cash to the receiver. If the amount remitted is `50000 and above should be paid by cheque/DD/PO or credit to customer's account with the bank. 06) In case of foreign tourist, total amount remitted can be paid in cash.

Re-entering with Western Union for money transfer service

Vide HOC10075/2010 dated 06-05-2010; Bank has exited from the Sub-Agent arrangement for money transfer services with WSFL. Now the Bank has re- entered as Sub-Agent of Wall Street Finance Ltd [a Principal Agent of Service provider of [M/s Western Union Money Transfer Services – Inc.[USA]] by signing Memorandum of Understanding on 23-05-2012.

About Western Union and Wall Street Finance Ltd

1. Western Union is a USA based company which is in existence for over 160 years. Western Union is a global leader in money transfer service having presently more than 90,000 agent locations in India.

2. WSFL is one of the first Principal Agent of Western Union in India who is authorized to appoint sub-agents across the country and a part of Spice Global Group, a conglomerate worth US$ 2 billion. WSFL is a listed non- banking financial company dealing with Foreign Exchange and Money Remittance as its core activities for the past 2 decades. WSFL is a Authorized Dealer (Category II) licensed by the Reserve Bank of India (RBI) operational over 55 locations in India

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Flow Chart of agency arrangement for Western Union

Western Union Financial Services, Inc [USA] "Overseas Principal"

Wall Street Finance Ltd[WSFL] "Super Agent" for "Overseas Principal" i.e. Western Union Financial Services, Inc

Principal" i.e. Western Union Financial Services, Inc VIJAYA BANK "Sub Agent" for WSFL PAYMENT OUTLETS

VIJAYA BANK "Sub Agent" for WSFL

Services, Inc VIJAYA BANK "Sub Agent" for WSFL PAYMENT OUTLETS "Designated branches of the bank"

PAYMENT OUTLETS "Designated branches of the bank"

Payment procedure

In Phase I 400 branches are designated to make payment under Western Union Money Transfer Service.

The Western Union software will be installed in the branches. Wherein branches can login into Western Union website and verify the details of the MTCN number and make the payment to customer immediately.

Overseas Branch, Bangalore,(14010) is designated as the controlling

branch for maintaining Current A/c 140100301000110 of WSFL.

Branches have to Debit the Wall street account 140100301000110 and make the payment to customer.

The printed application form will be supplied by WSFL to all the designated branches.

The identity and address of the beneficiary should be established by obtaining documents as per KYC norms.

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TRANSACTION FLOW CHART Remitter goes to Remits money Western Union to India outlet
TRANSACTION FLOW CHART
Remitter
goes
to
Remits
money
Western
Union
to India
outlet

Cash is paid to the receiver or A/c is credited or DD issued in favour of receiver

Branch on blocking the transaction in western union software, makes the payment to customer by making trasaction in Finacle

the payment to customer by making trasaction in Finacle MTCN no. is generated & furnished to
MTCN no. is generated & furnished to the remitter
MTCN
no.
is
generated
&
furnished
to
the remitter

Remitter furnishes details to Receiver in India

remitter Remitter furnishes details to Receiver in India Receiver goes to Vijaya Bank's branch, submits

Receiver goes to Vijaya Bank's branch, submits application and KYC compliant documents

Branch enters required details in Western Union software and verify the details and blocks the MTCN no by clicking

PAYOUT

The sign board, publicity materials and application forms will be supplied by WSFL.

Wall Street officials will visit all the designated branches to install the Software in the Branch PC and to give training to the staff members the staff has to sign the activation certificate

The digital certificate has been sent through mail to all the branches and the same will be installed by Wall street officials. The site should be installed in the PC where Proxy Site is enabled. For any assistance branches may contact their Regional Computer Centre & Wipro engineers.

Wall

Street

officials

will

place

some

internal

branding

&

take

photographs.

Branches

are

requested

to

acknowledge

the

board

installation.

 

Detailed workflow of transaction blocking in Western Union Software has been enclosed in Annexure 1

Detailed workflow of transaction creation in Finacle Software has been enclosed in Annexure 2

Detailed instructions pertaining to KYC & Indicators of suspicious behavior and other instruction has been enclosed in Annexure 3.

List of branches designated for this purpose is enclosed as Annexure 4

Branches are requested to co-operate with the Wall Street officials.

4

Advantages to the bank from the tie up arrangement.

The commission will be shared at 70:30 ratio between Vijaya Bank & WSFL

The Receiver serves as a link between the bank and Remitter who is invariably an NRI. The branches can obtain information on NRI through

the receiver and canvas for his Non Resident accounts. By obtaining telephone number and email ID of remitter ,branches can build a Data base of prospective NRI customers

The branches can canvass CASA deposits of receiver in India.

The bank gets wide publicity.

Dos

The ID proof and address proof of the Receiver should be established by obtaining required documents under KYC norms. The photocopies of documents obtained for compliance of KYC should be verified with the originals. This should be preserved along with the application form.

Due importance should be given to the Receiver. Treat the receiver as our prospective customer. Ensure Quick and Prompt service as it is order of the day for this type of business.

All records should be preserved for 10 years.

Don'ts

`50000 & above should be paid by A/c payee DD or by way of crediting to beneficiary's account. However, in case of a Foreign tourist, the amount exceeding `50000 can be paid in cash. Do not entertain applications of beneficiary if he has already received 12 remittances during the calendar year

Do not pay the amount in cash if it exceeds `50000 and amount of

It should be noted that there are enough competitors in this business. Branches should ensure prompt counter service to attract more customers.

It is hoped that the branches will take maximum advantage of this tie up arrangement and increase their client base.

Yours faithfully,

H NARAYAN SHETTY GENERAL MANAGER

5

Annexure 1

Transactions blocking in WUPOS

Step 1 – Type https://wupos.westernunion.com/agentapp/ in the Internet Explorer address bar & enter Username/User ID/ Operator ID and Password.

address bar & enter Username/User ID/ Operator ID and Password. Step 2 – Select Certificate &

Step 2 – Select Certificate & press Ok

address bar & enter Username/User ID/ Operator ID and Password. Step 2 – Select Certificate &

Step 3 – Login window will pop up with error message Invalid Username and/or Password. Please try again. Ignore the error & reenter valid/correct Username/User ID/Operator ID and Password.

valid/correct Username/User ID/Operator ID and Password. Step 4 – Click on PAYOUT MONEY or Press F6

Step 4 – Click on PAYOUT MONEY or Press F6 to proceed.

valid/correct Username/User ID/Operator ID and Password. Step 4 – Click on PAYOUT MONEY or Press F6

Step 5 – Input MTCN (Money Transfer Control Number) & click on Search.

(Money Transfer Control Number) & click on Search . Step 6 – Verify Sender name, Receiver

Step 6 – Verify Sender name, Receiver name, Payout amount, Payout currency & then click on Payout.

Search . Step 6 – Verify Sender name, Receiver name, Payout amount, Payout currency & then

Step 7 – In order to process the transaction fill up all mandatory fields (* mark) otherwise system will not proceed even after payout.

up all mandatory fields ( * mark) otherwise system will not proceed even after payout. Step

Step 8 Click on Payout Now

up all mandatory fields ( * mark) otherwise system will not proceed even after payout. Step

Step 9 – Once transaction is processed, below mentioned screen pops up.

transaction is processed, below mentioned screen pops up. Step 10 – Click on view and print

Step 10 – Click on view and print the receipt. Customer copy and Agent copy can be viewed & can be taken printout.

Customer Copy

on view and print the receipt. Customer copy and Agent copy can be viewed & can

Agent Copy

Agent Copy Once ACR printouts are taken, tr ansaction processing gets over.

Once ACR printouts are taken, transaction processing gets over.

Annexure 2 : Finacle Transaction Creation Workflow

Go to Finacle main menu and enter TM – press enter

Workflow • Go to Finacle main menu and enter TM – press enter • For Cash

For Cash payment enter the below mentioned fields

Workflow • Go to Finacle main menu and enter TM – press enter • For Cash

Please select the Debit account as 140100301000110 [ Wall Street Finance Ltd]

Branches should note that Debit amount should be equal the Amount to be paid mentioned in the Western Union Software.

Amount to be paid mentioned in the Western Union Software. • The following Additional details should

The following Additional details should be entered by the branch

to be paid mentioned in the Western Union Software. • The following Additional details should be

Please F4 and make the below credit entry.

• Please F4 and make the below credit entry. • For Transfer entries Debit Wall Street

For Transfer entries Debit Wall Street Finance Current account 140100301000110 and credit to the party account through TM menu option.

Annexure 3

Annexure 3 WU Sub ‐ Agents: Operations and Due Diligence Manual

WU SubAgents: Operations and Due Diligence Manual

MONEY TRANSFER SERVICES SCHEME (MTSS)

WSFL is also handling the disbursement leg of the transfer of money from abroad to recipients in India on account of its tie up with M/s. Western Union Financial Services International, USA. The funds that can be received in India through MTSS are only for personal remittances towards family maintenance and remittances favouring foreign tourist visiting India. Trade related remittances, remittances towards purchase of property, investments or credit to NRE / FCNR accounts, etc or donations/contribution to charitable organizations are not permitted under the MTS scheme.

The guidelines for disbursement being;

a) Any single remittance under the scheme shall not exceed US $ 2500/or its equivalent.

b) Not more than 12 remittances shall be received by a single recipient through the Principal in a calendar year.

c) Payments to recipients in India should be made in Indian Rupees on the basis of ongoing exchange rates as calculated by the system.

d) All payments exceeding Rs.50,000/shall be paid only by Cheque / DD / PO or by direct credit to the account of the recipient.

e) In exceptional circumstances, when the recipient is a foreign tourist, higher amounts may be disbursed in cash. Full record of such transactions should be kept for scrutiny by the auditors / inspectors. For a foreign tourist his passport with valid visa can only be accepted as valid ID proof.

f) Proper records of all payouts in India and reimbursements received from the principal shall be maintained to facilitate scrutiny / inspection by RBI. Full details of the overseas remitter should also be made available if called for by RBI.

g) We should closely monitor the trends in remittances and transactions of suspicious nature shall be investigated and reported to RBI.

h) Neither the sender nor receiver can be an entity, only person to person remittances are allowed.

i) No portion of the remittances received under the arrangement shall be transferred out of India.

j) Remittance cannot be made to minors i.e individuals below age of 18.

k) A person who has stayed in India for more than 182 days in the same or previous Financial Year

(April March) should be treated as a Indian resident. Caution: Please note that “Refugees” in India are to be treated as residents and not as foreign tourists; therefore cash payout is to be limited to be Rs.50000.00 only. Similarly foreign students studying in colleges in India who have come on a visa which is for over 6 months are considered residents and cash payment is

limited to Rs, 50,000/only.

DOCUMENTATION

1.

Ensure that the "To Receive Money" form is correctly filled up and proper identification is furnished

and retained. Only in the case of regular recipient of MTS we may not insist of ID copy of each

transaction after the first one when the ID copy was taken. For regulars we may take fresh ID every

six months and it should be stored properly for easy recovery.

2. An indicative list of the type of documents/information that may be relied upon for customer

identification is given below;

Category

Type of Documents (Self Attested)

Photo Identification (Legal name and any other names used)

1. Passport

2. PAN card

 

3. Voter’s Identity Card

4. Driving license

5. Aadhar/UID Card

6. Ration Card

7. Refugee Card

8. Identity card (Subject to AP’s satisfaction)

9. Letter from any recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of the AP

Permanent Address

1. Telephone bill

2. Bank Account Statement

3. Letter from any recognized public authority

4. Electricity bill

5. Ration card

6. Letter from employer (subject to AP’s satisfaction)

(Any one of the documents, which provides customer information to the satisfaction of the AP will suffice)

Clarifications: In case the address on the passport, driving license is different from that on the "To Receive"

form, obtain some utility document like telephone/electricity bill, society maintenance receipt to back up

the same. Also in case customer’s Permanent Residence is different from the present residence, a self

declaration from the customer needs to be taken in the format attached (annexed to this manual) stating

that he/she continues to reside / stay at the mentioned address. The said declaration must be obtained

with his / her signature, which should match with the signatures on the ID proof provided.

As per the policy of Western Union, the Ration card can be accepted as a photo ID proof only for the Karta i.e. the head of the family. Since Karta is easily identifiable and acceptable as a valid ID proof, it can be substantiated. It is recommended to accept Ration card as photo ID proof only for Karta.

As per the confirmation from Western Union and discussions held with the regulatory authorities, Aadhar card issued by Unique Identification Authority of India (UIDAI) can be accepted for KYC as it can be categorized under point “Letter from a recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of the AP” as stated above in the table.

No Transactions to be done in anonymous fictitious / benami names. If a customer cannot provide adequate KYC/AML/CFT documents transactions cannot not to be completed.

The above extracts/explanations from the relevant RBI circulars are for the purpose of your better understanding of the guidelines prescribed by RBI. For more details and updations on RBI guidelines, kindly log on to http://www.wallstreetfinanceltd.com/compliance.php and refer the relevant RBI Circulars for the necessary compliances prescribed by RBI.

RETENTION/ STRORAGE OF KYC AND OTHER DOCUMENTS

According to the master Circular No. 12 issued by RBI on July 01, 2011 all the customer KYC, To Receive Form and other relevant documents must be retained by the subagents for a period of 10 years from the

date of transaction. Subagents must strictly follow Know Your Customer (KYC) norms/ AntiMoney Laundering (AML) standards/ Combating the Financing of Terrorism (CFT) Prevention of Money Laundering Act, (PMLA), 2002, as amended by Prevention of Money Laundering (Amendment) Act, 2009 Cross Border Inward Remittance under Money Transfer Service Scheme. Customer’s documents and details of Transactions related to Western Union are subject to strict compliance by RBI and can be audited at any time. Thus Subagent should make proper arrangements to store the documents at a convenient place from where the documents can easily be procured at any time when required by regulatory authorities.

Please do not encourage recipients to split transactions so that they avoid or evade the MTSS guidelines. Do not pay cash if the recipient comes with 2 transactions each below the Rs. 50,000 Cash Limit and insists on Cash. Total amount should be paid by cheque.

PRECAUTION

Please hand over the money to the beneficiary only after proper identification and within the monetary limits laid down by RBI. Any payment in excess of Rs.50,000/should be disbursed by Cheque / PO / DD or by direct credit to the bank account of the recipient the only exception being full payment in cash to foreign tourist.

GUIDELINES GIVEN BY WESTERN UNION TO BE FOLLOWED

Below are some of the indicators of suspicious behavior.

The receiver has received money from a seemingly unrelated sender.

A person receives multiple transactions from different person from the same or different countries and the sender and receiver are seemingly unrelated.

A customer receives any amount from an entity other than an individual. Such transactions should be refused immediately.

The ID provided by the customer is not valid.

The customer is a foreigner his/her passport does not contain a valid Visa. In case of foreigners do not accept any ID apart from the passport with a valid Visa.

A customer receives two simultaneous transactions of less than INR 50,000/from the same or seemingly related senders and insists on cash payments only. In this case the agent should pay the amount by Cheque only. Please do not encourage or advise the customer to split transactions.

A customer wants to discuss record keeping and reporting duties of agent with the apparent intention of avoiding them.

Another person is controlling the customer, particularly when the customer is unaware of details of the transaction or where the person is elderly and is accompanied by non relative.

A student or unemployed person receives large sums of money.

WHAT TO DO IF YOU NOTICE SUSPICIOUS BEHAVIOUR

Remain alert but courteous and enquire about details of transaction from the customer. E.g relationship between the sender and receiver, the purpose of money transfer.

Using some pretext take the phone number of the customer and verify it discretely.

Customer service is important, but if you are not comfortable do not process the transaction and escalate to the compliance officer of the company.

The Compliance Officer of the agent should speak to the customer and if he/she is still not comfortable the matter should be escalated to the compliance officer for advise.

WESTERN UNION POLICY TO REFUSE A TRANSACTION

If you are still not comfortable with making a payment even after you attempt to help the customer by obtaining more information on the transaction.

When the customer is reluctant to produce an ID or the ID is not valid or appears to be tampered.

If you are suspicious that the transaction may be related with either money laundering terrorist financing or other illegal activities or is structured to avoid any record keeping or reporting requirements.

WHAT SHOULD THE SUSPICIOUS ACTIVITY REPORT CONTAIN

Statement setting the grounds why the transaction appears suspicious.

Full name, address and phone number of the customer.

Copy of the photo ID

Counter Staff Guidelines for Western Union Transactions

Basically, what is required is 'KYC Know Your Customer, Know who he is and what he does, which information can normally be had by chatting with the customer politely.

Records to the transaction, namely the TRF form properly filled up, valid identification documents and local address proof to be copied and kept properly with easy retrievability and the quick reporting of suspicious transactions.

At the time when the customer comes with a request for payment and the information is fed into the system, the name of the sender and other details appears on the screen. If on the face of it, the sender's name is not matching / having some similarity with that of the Receiver, politely ask the Receiver the relationship between them both and make a note of it on the reverse of the TRF, like husband, brothers etc, (you should not put words pertaining to the relationship in the mouth of the receiver).

Similarly, if the receiver is getting funds from more than one person, either from the same country or from different countries, politely find out the relationship and make a note of it on the reverse of the TRF.

This type of noting will give you some cushion in case anything goes wrong at a later stage and will help you to establish your bonafided in the eyes of any authority who is probing the transactions.

If the customer is not ready to part with the information or questions you on your authority to ask him I her this information, politely inform him/her that as per the Money Transfer Scheme only personal remittances are permitted, that as per latest guidelines of RBI and Western Union, we have to Know our Customer, and ensure that the M.T.S.S. is not being, among other things used for a purpose other than for what it was intended.

In case of non satisfactory reply and / or failure to provide requisite documentation / identification, you may inform WSFLs’ Branch Manager I Area I Regional Manager of the incident for advice, if in case the party is still not furnishing the requisite information I documentation; can refuse to do the transaction.

Send all the details of the transactions including reasons for your suspicion by FAX immediately to the Branch Manager of the local office of WSFL who will escalate it to Head Office. (A specimen of the Enhanced Due Diligence form is enclosed).

Transactions that emanate from other than individuals for example, organizations I firms I companies, etc., should NOT be put through and refused point blank and transactions payable to the organization / firm also NOT to be put through and refused point blank.

In the case of transactions pertaining to a foreign national, accept only his passport as an ID; and here transaction can be put through only if, he holds a valid VISA. Don't pay on an expired VISA / passport.

Please note that Western Union does not permit more than one transaction to be paid in a single day to a single individual.

Also, scrutinize the payments made to find out whether a person has received more than RS.10.00 lacs within a period of 30 days. If such a thing is noticed, please inform Branch Office of WSFL with all details immediately by fax so that the same can be reported to the DIRECTOR, FIUIND, NEW DELHI, as per the RBI guidelines of AML.

The Western Union guidelines on suspicious transactions may be taken as indicator of suspicious transactions. Please note that there are no hard and fast rules that could indicate suspicious transactions in all situations and in all conditions. Use your judgement as to what a prudent man would do in a given situation and take the advice of your senior I superior officer, in case of doubt. Above all DO nothing which would alert the person I customer who is in front of you, that you are suspicious of him I her transaction or that you are going to report it.

Attached please find a format of Enhanced Due Diligence (EDD) which must be filled up by the Subagents and faxed to Branch, countersigned by Branch and faxed to Head Office followed by the hard copy with copies of documents. In case of any difficulty, you can always contact the Compliance Officer at Head Office.

LEGAL LIABILITY

These precautions are necessary in view of the fact that in terms of section 10 (5) of FEMA 1999, "Any authorized person shall, before undertaking any transaction in foreign exchange on behalf of any person, require that person to make such declaration and to give such information as will reasonably satisfy him that the transaction will not involve, and is not designed for the purpose of any contravention or evasion of the provisions of this Act or of any rule, regulation, notification, direction, or order made there under, and where the said person refuses to comply with any such requirement or makes only unsatisfactory compliance therewith, the authorized person shall refuse in writing to undertake the transaction and shall, if he has reason to believe that any such contravention or evasion as aforesaid is contemplated by the person, report the matter to the Reserve Bank." This puts on us not only the burden of ensuring that the FEX transaction is legitimate, but those consequences of our failure may result in penalties under the FEMA 1999 as well as cancellation of the FEX license. Penalties can be 3 times the sum involved, if such amount is quantifiable; penalty of up to 2 lakhs, if amount is not quantifiable; penalty of up to Rs.5,000/per day from the first day of contravention onwards if it is a continuing contravention. In addition RBI can also impose fine of Rs.10,000/and a daily fine of up to Rs.2,000/

According to the Prevention of Money Laundering Act, 2002, whosoever directly or indirectly attempts to indulge or knowingly assists or knowingly is a party or is actually involved in any process or activity connected with the proceeds of crime and projecting it as untainted property shall be guilty of the offence of money laundering”. The punishment for the same is rigorous imprisonment for not less than 3 years, which may extend to 10 years and fine which may extend to Rs.5.00 lakhs.

If there is any doubt or suspicion about the bonafide of a transaction inform your supervisor / compliance official for further guidance.

ANTI MONEY LAUNDERING COMPLIANCE

The term money laundering simply means the washing of dirty money to make it appear clean. In the Economic sense, the proceeds of crime (Mainly serious crimes like narcotics, terrorism, murder, extortion, etc.) are dirty or tainted and these funds can therefore be attached, seized and confiscated primarily in the hands of the person and his associates committing the crime. These persons therefore try to disguise the source of these criminally tainted funds and try to move the funds from out of their hands with the intention of enjoying the proceeds at a later date as though the funds had come from a legitimate source.

Basically money laundering is a process to disguise the source of funds, provide a safe haven for these funds, and provide a financial return on these funds, by using legitimate business activity, which finally results in the disappearance of any original traces of these funds. This process takes place generally in three stages i.e. placement, layering and integration, which may happen consecutively or concurrently. There are no hard and fast rules and it is left to the imagination of the money launderer how to do these transactions, coupled with his risk perception in carrying out these transactions.

First introduction of money is usually in the form of cash into the financial system in small

amounts that are below the ceiling placed by law whereby identification of the person and other details like

income tax PAN numbers, etc. are avoided being furnished. For example a person may open several bank accounts and deposit small amounts, which individually may escape reporting, as each amount is lower than the ceiling, which could then be transferred into another account so that a draft or cheque (a banking instrument) could be obtained without arousing any suspicion.

Placement

Layering The use of complex layers of monetary instruments, electronic fund transfers, etc. to disguise the transactions and put off the audit trail. Transactions pertaining to layering are normally done not for economic benefit, but to build up layers of cover, which will confuse any person who is trying to trace out the flow of funds.

Integration The laundered money is so well mingled with genuine business activity that there is an air of legitimacy around these funds and any link to its origins is very difficult or impossible to trace.

To prevent the proceeds of tainted funds moving out of the hands of persons committing the crime and therefore giving them a chance to enjoy the proceeds, that the authorities have enacted the Anti Money Laundering laws, to include seizure and confiscation of the tainted proceeds even in the hands of those persons not directly involved in the primary offence, but who assist in transformation of these proceeds to

apparent legitimacy and therefore to make these officials and entities also liable.

expected from us is KYC, i.e. Know Your Customer. If you know your customer the individual and the institution thoroughly it will be the best way to protect ourselves from being dragged into Money Laundering activities.

To this effect what is

You as our SubAgent have to ensure compliance with the MTSS Regulations and Anti Money Laundering / Know Your Customer (KYC) guidelines issued by the RBI.

The Anti Money Laundering Procedures and our own Compliance Procedures require us to put into practice a system of Identification Verification, Retention of documentary of evidence pertaining to the customer and the transaction as well as reporting of Suspicious Transactions/Customers vide the (EDD)

In respect of the Identification system, the documents required have been specified in the documentation guidelines and for purposes of conforming to these compliance guidelines, in the case of individuals/one transaction it is enough if we follow the procedures laid down in the guidelines.

We have to know our customer and know our business. That is we should have all details required by law including documentation, which will enable us to be reasonably satisfied that we are dealing with a genuine customer and doing a genuine transaction. We should also know the market trends, instances that are unusual and not in keeping with our business or market conditions, which should immediately alert us about the possibility of fraud or illegality.

While there cannot be detailed guidelines covering each and every eventuality that may come up in the course of our day to day business, a few mentioned in the Suspicious Transaction Indicators can form the basis of our endeavor to follow the law and help us to prevent illegal/ unauthorised transactions and to report the same to the appropriate authority via the compliance official.

In India, the Prevention of Money Laundering Act, 2002 came into effect only on 01.07.2005. Under this Act, Notification GSR 444 (E) dated 01.07.2005 requires a banking Company, Financial Institution or

intermediary to maintain a record of :

A) All Cash Transactions of the value of more than Rupees 10 lakhs or its equivalent in Foreign Currency.

B) All Cash Transactions integrally connected to each other which have been valued below Rupees 10 lakhs or its equivalent in Foreign Currency where such series of transactions have taken place within a month.

C) All Cash transaction where forged or counterfeit currency notes or bank notes have been used as genuine and where any forging of a valuable security has taken place.

D) All suspicious transactions whether or not made in cash.

The record should contain the following information, maintained in hard and soft copies and maintained for a period of 10 years from the date of cessation of the transactions.

a) The nature of the transaction.

b) The amount of the transaction and the currency in which it was denominated.

c) The date on which the transaction was conducted and

d) The parties to the transaction.

The information is to be furnished by the Principal Officer (of WSFL) to the Director, FIU IND, Financial Intelligence Unit – India, whose address at the time of preparation of the Manual is – 6 th Floor, Hotel Samrat, Chanakyapuri, New Delhi 100021.

1. Every Month, by the 7 th of the succeeding month – All cash transactions exceeding Rs. 10.00 lakhs (or its equivalent in Forex), and all series of integrally connected cash transactions valued below Rs. 10 lakhs (or its equivalent in Forex) where such series have taken place within a month. [serial A + B]

2. Not later than 3 working days from the date of occurrence where cash transaction involving forged or

counterfeit currency notes or bank notes and forging of a valuable security have taken place and all Suspicious Transactions whether or not made in cash. [serial C + D] Hence, the need for identifying such transactions and quick steps as required under the law is of great importance.

SUSPICIOUS TRANSACTION INDICATORS

Below are some indicators of suspicious behavior

- The receiver has received money from a seemingly unrelated sender.

- A person received multiple transactions from different persons from the same or different countries and the sender and receiver are seemingly unrelated.

- A customer receives any amount from an entity other than an individual. Such transactions should be refused immediately.

- The ID provided by the customer is not valid.

- The customer is a foreigner his/her passport does not contain a valid Visa. In case of foreigners do not accept any ID apart from the passport with a valid Visa.

- A customer receives two simultaneous transactions of less than INR 50,000/from the same or seemingly related senders and insists on cash payments only. In this the case the agent should pay the amount by Cheque only. Please do not encourage or advise the customer to split transactions.

- A customer wants to discuss record keeping and reporting duties of agent with the apparent intention of avoiding them.

- Another person is controlling the customer, particularly when the customer is unaware of details of the transaction or where the person is elderly and is accompanied by non relative.

- A student or unemployed person receives large sums of money.

WHAT TO DO IF YOU NOTICE SUSPICIOUS BEHAVIOUR

- Remain alert but courteous and enquire about details of transaction from the customer. E.g. relationship between the sander and receiver, the purpose of money transfer.

- Using some pretext take the phone number of the customer and verify it discretely.

- Customer service is important, but if you are not comfortable do not process the transaction and escalate to the compliance officer of your organization.

- The Compliance Officer of the agent should speak to the customer and if he/she is still not comfortable the matter should be escalated to the WU compliance officer for advise.

WESTERN UNION POLICY TO REFUSE A TRANSACTION

- If you are still not comfortable with the transaction even after you attempt to help the customer by obtaining more information on the transaction.

- When the customer is reluctant to produce an ID or the ID is not valid or appears to be tampered.

- If you are suspicious that the transaction may be related with either money laundering terrorist financing or other illegal activities or is structured to avoid any record keeping or reporting requirements.

REPORTING

Please report Suspicious Transactions to the Branch Manager who will escalate it to the MLRO of WSFL for his action. Remember to do this immediately as these will have to be reported to the Director, Financial Intelligence Unit (under the provisions of Prevention of Money Laundering Act, 2002) within three days of the same being noticed.

WHAT SHOULD THE SUSPICIOUS ACTIVITY REPORT CONTAIN

- Statement setting the grounds why the transaction appears suspicious. (EDD)

- Full name, address and phone number of the customer.

- Copy of the photo ID.

Consequences of Non – compliance of MTSS Guidelines by the Subagent

Please note that subagents who do not follow the aforesaid guidelines issued by RBI on the Money Transfer Scheme as well as the Anti Money Laundering/ Know Your Customer/ Combating Financial Terrorism guidelines will, apart from being legally liable for any breaches, have their subagency suspended / terminated.

Level 1: Issue of show cause notice In case it comes to WSFLs notice that the subagent has violated the guidelines stated above then a show cause notice will be sent to the subagent. The subagent will have to satisfactorily reply to the letter within 15 days after receipt of such letter.

Level 2: Issuing suspension letter There will be suspension of the subagent in the below 2 cases

a) If the reply to the show cause is not satisfactory

b) Repeat violation for MTSS guidelines issued by WSFL.

In case WSFL is not satisfied with the reply given by subagent on the show cause notice, WSFL can suspend the account of the subagent and investigate the matter. Account will remain in suspended mode till the time investigation is not complete. Or

If the subagent is found guilty of violating same or other guidelines for the second time the subagent code will be blocked and the subagency will be debarred from doing any Western Union transactions for Wall Street Finance Ltd. The account of the subagent will be suspended till the time the investigation is being carried out by Principal Agent.

Level 3: Termination of Subagent Subsequent to the suspension letter, after investigation if it is found that the sub agent has grossly violated the said norms and guidelines a termination letter will be issued to the subagent.

Enhanced Customer Due Diligence

Following format has to be filled in with the information mentioned therein in case of customers of MTSS/ WU business for whom Enhanced Customer Due Diligence (EDD) is required.

Sr

 

Type of Information

   

Description

No

   

1.

Name & Address of the Individual Customer

 

2.

Details of transactions

   

3.

Specific purpose of transaction.

   

4.

Sources of funds used for doing the transaction.

 

5.

Purpose of visit of the Individual

 

customer in case Foreign Nationals.

of

NRIs and

6.

Is the transaction in line with the profile of the customer

 

7.

Any other information about the customer or Transaction

 

8.

Do you think the transactions are suspicious

 

9.

Reason for point 8

   

Branch Name:

 

Branch Name:

 

Signature

of

the

Branch

Official/

Area

sales

Signature

of

the

Branch Manager/ Regional

manager:

 

sales Manager:

 

Name of the Area sales Manager:

 

Name of the Branch Manager/ Regional Sales Manager:

Annexure 4

Sl.No

Branch_Co

Branch_Name

REGION

1

7301

RELIEF ROAD

AHMEDABAD

2

7302

AMBAWADI

AHMEDABAD

3

7304

MANINAGAR

AHMEDABAD

4

7305

MANEK CHOWK

AHMEDABAD

5

7306

NAVRANGPURA

AHMEDABAD

6

7311

NAVASARI

AHMEDABAD

7

7315

ASHRAM ROAD

AHMEDABAD

8

7316

MACHHAD

AHMEDABAD

9

7317

KACHHIAWADI

AHMEDABAD

10

7321

SARASPUR

AHMEDABAD

11

7323

ANAND

AHMEDABAD

12

7324

GURUKUL

AHMEDABAD

13

7326

BODAKDEV

AHMEDABAD

14

7328

I F B,AHMEDABAD

AHMEDABAD

15

7329

SATELLITE AREA

AHMEDABAD

16

7335

A

R M B,AHMEDABAD

AHMEDABAD

17

7336

SOLA CROSS ROAD

AHMEDABAD

18

7337

CHANDKHEDA

AHMEDABAD

19

7339

KRISHNA NAGAR,AHMEDABAD

AHMEDABAD

20

7346

SCIENCE CITY

AHMEDABAD

21

7348

GHUMA

AHMEDABAD

22

7349

VASTRAL

AHMEDABAD

23

7351

GOTASAYANA CITY

AHMEDABAD

24

7352

PALADI,AHMEDABAD

AHMEDABAD

25

7357

CORP.BKG BRANCH,AHMEDABAD

AHMEDABAD

26

7367

HARINIROAD,VODADARA

AHMEDABAD

27

1038

BRIGADE ROAD

BANGALORE(N)

28

1065

GANGANAGAR

BANGALORE(N)

29

1066

SANJAYNAGAR

BANGALORE(N)

30

1097

COX TOWN

BANGALORE(N)

31

1286

PALACE ORCHARDS

BANGALORE(N)

32

1331

TRINITY CIRCLE

BANGALORE(N)

33

1356

TURUVEKERE

BANGALORE(N)

34

1380

YELAHANKA

BANGALORE(N)

35

1389

KOTHANUR

BANGALORE(N)

36

1400

H

B R LAYOUT

BANGALORE(N)

37

1414

VIDYARANYAPURA

BANGALORE(N)

38

1416

R

T NAGAR, BANGALORE

BANGALORE(N)

39

7108

SAHARANPUR

CHANDIGARH

40

7501

AMRITSAR

CHANDIGARH

41

7502

JALANDHAR

CHANDIGARH

42

7503

LUDHIANA

CHANDIGARH

43

7505

BILGA

CHANDIGARH

44

7506

KAPURTHALA

CHANDIGARH

45

7507

PHAGWARA

CHANDIGARH

46

7508

HOSHIARPUR

CHANDIGARH

47

7512

B

R S NAGAR

CHANDIGARH

48

7513

BATALA

CHANDIGARH

49

7515

M

S M E,JALANDHAR

CHANDIGARH

50

7516

KHARAR,PUNJAB

CHANDIGARH

51

7517

ZIRAKPUR,PUNJAB

CHANDIGARH

52

7518

GARHSHANKAR

CHANDIGARH

53

7520

BANGA,PUNJAB

CHANDIGARH

54

7521

M

S M E,LUDHIANA

CHANDIGARH

55

7522

MAHILPUR,PUNJAB

CHANDIGARH

56

7524

MOHALISAS NAGAR

CHANDIGARH

57

7526

PATHANKOT

CHANDIGARH

58

7581

GURU NANAK DEV UNIVERSITY

CHANDIGARH

59

8302

ROHTAK

CHANDIGARH

60

8304

PANCHKULA

CHANDIGARH

61

8309

YAMUNANAGAR

CHANDIGARH

62

8310

KAITHAL

CHANDIGARH

63

8311

AMBALA CANTT

CHANDIGARH

64

8314

KARNAL,HARYANA

CHANDIGARH

65

8316

FATEHBAD

CHANDIGARH

66

8319

 

SIRSA

CHANDIGARH

67

8323

MANDI DABWALI

CHANDIGARH

68

3001

ADYAR

CHENNAI

69

3002

MOORE STREET

CHENNAI

70

3005

EGMORE

CHENNAI

71

3008

MOUNT ROAD

CHENNAI

72

3012

SAIDAPET

CHENNAI

73

3015

TRIPLICANE

CHENNAI

74

3017

T NAGAR

CHENNAI

75

3018

 

AVADI

CHENNAI

76

3020

PURUSAWALKAM

CHENNAI

77

3021

TONDIARPET

CHENNAI

78

3024

VADAPALANI

CHENNAI

79

3026

M

S M E MYLAPORE

CHENNAI

80

3034

RANGARAJPURAM

CHENNAI

81

3035

VENKATNARAYANA ROAD

CHENNAI

82

3039

KOLATHUR,CHENNAI

CHENNAI

83

3044

ANNANAGAR,CHENNAI

CHENNAI

84

3046

MEENAMBAKKAM

CHENNAI

85

3048

ASHOKNAGAR,CHENNAI

CHENNAI

86

3049

ABHIRAMAPURAM,CHENNAI

CHENNAI

87

3050

MOGAPPAIR,CHENNAI

CHENNAI

88

3051

TAMBARAM,CHENNAI

CHENNAI

89

3060

M

S M E,AMBATTUR CHENNAI

CHENNAI

90

3064

VIRUGAMBAKKAMCHENNAI

CHENNAI

91

3071

ADAMBAKKAM

CHENNAI

92

3073

INDIRANAGAR CHENNAI

CHENNAI

93

3074

KUNDRATHUR

CHENNAI

94

3802

VELTECH ENGINEERING COLLEGE,

CHENNAI

95

3803

TIRUCHIRAPALLI AIRPORT

CHENNAI

96

6024

PONDICHERRY

CHENNAI

97

6809

PONDICHERYRAGACOVAS

CHENNAI

98 3007

MADURAI

COIMBATORE

99 3014

TIRUCHIRAPALLI

COIMBATORE

100 3016

TUTICORIN

COIMBATORE

101 3023

P N PATTI

COIMBATORE

102 3027

DINDIGAL

COIMBATORE

103 3028

THANJAVUR

COIMBATORE

104 3029

TIRUNELVELLI

COIMBATORE

105 3032

NAGARCOIL

COIMBATORE

106 3045

KARAIKUDI

COIMBATORE

107 3047

ANNANAGAR,MADURAI

COIMBATORE

108 3052

KARUR

COIMBATORE

109 3054

M

S M E,THIRUCHENGODE

COIMBATORE

110 3056

PUDUKOTTAI

COIMBATORE

111 3057

KOTHAMANGALAM

COIMBATORE

112 3058

MARTHANDUM

COIMBATORE

113 3061

THIRUVARUR TAMILNADU

COIMBATORE

114 3066

KUMBAKONAM

COIMBATORE

115 3067

DEVAKOTTAITAMIL NADU

COIMBATORE

116 6002

CHANDNI CHOWK

DELHI

117 6004

BARAKHAMBA ROAD

DELHI

118 6008

KAROLBAGH

DELHI

119 6009

KHUREJIKHAS

DELHI

120 6013

KRISHNA PARK

DELHI

121 6031

GREATER KAILASH

DELHI

122 6033

RAJA GARDEN

DELHI

123 6035

NEHRU PLACE

DELHI

124 6041

VIKAS MARG

DELHI

125 6042

MALVIYANAGAR

DELHI

126 6047

PUNJABI BAGHNEW DELHI

DELHI

127 6049

DWARAKA

DELHI

128 7001

AJMER

DELHI

129 7002

JAIPUR

DELHI

130 7015

ALWAR GATE

DELHI

131 7019

JHUNJHUNU

DELHI

132 7113

GHAZIABAD

DELHI

133 7126

NOIDA COMPLEX

DELHI

134 7140

GREATER NOIDA

DELHI

135 7145

INDIRAPURAM,GHAZIABAD

DELHI

136 7147

HAPUR

DELHI

137 7178

NOIDASECTOR 63

DELHI

138 8305

M

S M EBALLABGARH

DELHI

139 4003

BANK STREET

HYDERABAD

140 4007

CUDDAPAH

HYDERABAD

141 4008

WEST MARREDPALLI

HYDERABAD

142 4012

HARDIKARBAGH

HYDERABAD

143 4016

NALLAKUNTA

HYDERABAD

144 4018

NIZAMABAD

HYDERABAD

145 4020

SAROJINI DEVI ROAD

HYDERABAD

146 4021

SOMAJIGUDA

HYDERABAD

147 4025

VIJAYANAGAR COLONY

HYDERABAD

148 4031

CHANDANAGAR

HYDERABAD

149 4034

SAHEBNAGAR

HYDERABAD

150 4037

MUKRAMJAHI ROAD

HYDERABAD

151 4042

KAMAREDDY

HYDERABAD

152 4043

MALAKPET

HYDERABAD

153 4046

NARAYANGUDA

HYDERABAD

154 4047

PEDDAMUL

HYDERABAD

155 4048

P G ROAD

HYDERABAD

156 4051

VEMULAWADA

HYDERABAD

157 4053

SIRIKONDA

HYDERABAD

158 4056

DUPALLI

HYDERABAD

159 4058

CHARMINAR

HYDERABAD

160 4062

MITTAPALLI

HYDERABAD

161 4068

BASHEERBAGH

HYDERABAD

162 4075

KARIMNAGAR

HYDERABAD

163 4077

MOTINAGAR,HYDERABAD

HYDERABAD

164 4079

AMEERPET

HYDERABAD

165 4083

KUKATPALLY

HYDERABAD

166 4084

JUBILEE HILLS

HYDERABAD

167 4085

GANDHINAGAR,HYDERABAD

HYDERABAD

168 4086

BANJARA HILLS,HYDERABAD

HYDERABAD

169 4090

PRODDATUR, ANDHRA PRADESH

HYDERABAD

170 4091

ECIL CROSS ROADSECUNDERABAD

HYDERABAD

171 4092

MEHDIPATNAM,HYDERABAD

HYDERABAD

172 4094

SHAMSHABAD

HYDERABAD

173 4095

HABSIGUDA

HYDERABAD

174 4096

DILSUKHNAGAR

HYDERABAD

175 4097

MADHAPUR

HYDERABAD

176 4099

M

S M E ADILABAD

HYDERABAD

177 4100

THUMKUNTA

HYDERABAD

178 4103

NUSTULAPUR

HYDERABAD

179 4105

BUNDLEGUDA

HYDERABAD

180 4106

CORP.BKG BRANCH,HYDERABAD

HYDERABAD

181 4109

KARMANGHAT

HYDERABAD

182 2001

ALAPUZHA

KOCHI

183 2008

KOCHI MAIN

KOCHI

184 2018

KOTTAYAM

KOCHI

185 2022

M

G ROAD

KOCHI

186 2027

MUVATTUPUZHA

KOCHI

187 2032

KOLLAM

KOCHI

188 2038

TRISHUR

KOCHI

189 2040

TRIPUNITHURA

KOCHI

190 2041

THIRUVANANTHAPURAM MAIN

KOCHI

191 2051

KESAVDASAPURAM

KOCHI

192 2058

TIRUVALLA

KOCHI

193 2067

CHAVAKKAD

KOCHI

194 2068

KOZHENCHERRY

KOCHI

195 2071

VELLAYAMBALAM

KOCHI

196 2074

KAZHAKKOOTTAM

KOCHI

197 2075

PEROORKADA

KOCHI

198 2080

PATHANAMTHITTA

KOCHI

199 2081

KARUNGAPALLY

KOCHI

200 2082

NRI BRANCH,KOCHI

KOCHI

201 2802

CHRIST NAGAR SCHOOL

KOCHI

202 7204

DARJEELING

KOLKATA

203 7205

RABINDRA SARANI

KOLKATA

204 7208

PARK STREET

KOLKATA

205 7211

DHARAMTOLLA

KOLKATA

206 7213

BRABOURNE ROAD

KOLKATA

207 7221

GORA BAZAR

KOLKATA

208 7222

RASHBEHARI AVENUE

KOLKATA

209 7224

SEALDAH

KOLKATA

210 7225

CHITTARANJAN AVENUE

KOLKATA

211 7227

NEW MARKET, KOLKATTA

KOLKATA

212 7229

GARIA,KOLKATA

KOLKATA

213 7231

DURGAPUR

KOLKATA

214 7237

JADAVPUR,KOLKATA

KOLKATA

215 7239

KOLKATABATANAGAR

KOLKATA

216 7240

MADHYAMGRAM

KOLKATA

217 7402

BERHAMPUR

KOLKATA

218 7407

PURI

KOLKATA

219 8401

DARBHANGA

KOLKATA

220 8402

M S M E DHANBAD

KOLKATA

221 8404

RANCHI,

KOLKATA

222 8405

JAMSHEDPUR,

KOLKATA

223 8406

MUZAFFARPUR

KOLKATA

224 8413

HAJIPUR

KOLKATA

225 2003

KANNUR

KOZHIKODE

226 2004

CHALAPURAM

KOZHIKODE

227 2005

CHATTANCHAL

KOZHIKODE

228 2006

CHERUTTY ROAD

KOZHIKODE

229 2012

KALLAI

KOZHIKODE

230 2013

KALPETTA

KOZHIKODE

231 2014

KANHANGAD

KOZHIKODE

232 2015

KASARGOD

KOZHIKODE

233 2017

KOTTAKKAL

KOZHIKODE

234 2023

MALAPPURAM

KOZHIKODE

235 2024

MANJERI

KOZHIKODE

236 2028

PALAKKAD

KOZHIKODE

237 2029

PAYYANUR

KOZHIKODE

238 2031

PONNANI

KOZHIKODE

239 2037

TIRUR

KOZHIKODE

240 2044

MULINJE

KOZHIKODE

241 2059

BADAGARA

KOZHIKODE

242 6501

MALIHABAD

LUCKNOW

243 6504

GOSAIGANJ

LUCKNOW

244 6505

JAUNPUR

LUCKNOW

245 7102

V N MARG

LUCKNOW

246 7103

BAREILLY

LUCKNOW

247 7105

KANPUR MAIN

LUCKNOW

248 7106

HAZRATGANZ

LUCKNOW

249 7107

MEERUT

LUCKNOW

250 7109

VARANASI

LUCKNOW

251 7110

M

S M EMUZAFFARNAGAR

LUCKNOW

252 7111

AGRACANTT

LUCKNOW

253 7114

M

S M EGORAKHPUR

LUCKNOW

254 7115

MORADABAD

LUCKNOW

255 7117

FIROZABAD

LUCKNOW

256 7118

DALIGANJ

LUCKNOW

257 7119

PHULPUR

LUCKNOW

258 7120

ALIGARH

LUCKNOW

259 7121

CANTONMENT

LUCKNOW

260 7123

R

S M NAGAR

LUCKNOW

261 7127

B

N ROAD

LUCKNOW

262 7128

JHANSI

LUCKNOW

263 7134

GOMTINAGAR

LUCKNOW

264 7135

PATEL NAGAR

LUCKNOW

265 7139

NEHRU NAGAR

LUCKNOW

266 7141

I E T MOHIBULLAPUR

LUCKNOW

267 7143

UNNAO

LUCKNOW

268 7146

CIVIL LINES,ALLAHBAD

LUCKNOW

269 7152

FAIZABAD

LUCKNOW

270 7157

ALIGANJ

LUCKNOW

271 7158

ASHIYANA

LUCKNOW

272 7159

JANAKIPURAM

LUCKNOW

273 7160

BARABANKI

LUCKNOW

274 7161

GOKHALE MARG

LUCKNOW

275 7162

BALAGANJ CHOWK

LUCKNOW

276 7163

SULTANPUR

LUCKNOW

277 7164

FATEHPUR

LUCKNOW

278 7166

VIKAS NAGAR

LUCKNOW

279 7169

PILIBHIT

LUCKNOW

280 7171

RAJAJIPURAM

LUCKNOW

281 7174

 

ROZA

LUCKNOW

282 7175

KHURJA

LUCKNOW

283 7177

JAGDISHPUR

LUCKNOW

284 7183

THEOSOPHICAL SOCIETY,KAMACHA

LUCKNOW

285 7190

GVTC,BAREILLY

LUCKNOW

286 7192

DAYALBAGH

LUCKNOW

287 7193

 

BASTI

LUCKNOW

288 7195

MUGHULSARAI

LUCKNOW

289 7197

DEORIA

LUCKNOW

290 7198

HANDIA

LUCKNOW

291 1003

ALPE PADIL

MANGALORE

292 1009

ASHOKNAGAR

MANGALORE

293 1012

B

C ROAD

MANGALORE

294 1029

BELTHANGADI

MANGALORE

295 1030

BENDOOR

MANGALORE

296 1036

BONDEL

MANGALORE

297 1047

CITY MANGALORE

MANGALORE

298

1053

DARBE PUTTUR

MANGALORE

299

1062

FALNIR

MANGALORE

300

1098

JEPPU

MANGALORE

301

1102

KAIKAMBA

MANGALORE

302

1112

MULKI

MANGALORE

303

1120

KINNIGOLI

MANGALORE

304

1132

FOUNDER'S BR

MANGALORE

305

1149

MOODABIDRI

MANGALORE

306

1177

PUTTUR MAIN

MANGALORE

307

1205

TALAPADY

MANGALORE

308

1213

UJIRE

MANGALORE

309

1215

ULLAL

MANGALORE

310

1222

VITLA

MANGALORE

311

1281

ALAKE

MANGALORE

312

1291

KUKKUJADKA

MANGALORE

313

1300

BIJAI

MANGALORE

314

1378

SULLIA

MANGALORE

315

1420

KANKANADY,MANGALORE

MANGALORE

316

1436

BAJPE

MANGALORE

317

1459

UPPINNGADY

MANGALORE

318

5002

BANDRA(W)

MUMBAI

319

5003

CHEMBUR

MUMBAI

320

5011

MAHIM

MUMBAI