RBI rules are clear: claims must be settled within 15 days, or banks pay penalties. So why is it still such a battle at the branch? Is it just untrained staff, or are banks intentionally making it hard to keep funds? How do I get through the red tape?

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Hi

Contact your bank or visit the bank. Check the status of your account, like whether your contact number is updated or KYC is done. May be your account is frozen. And tell them to unfreeze the account. Just do some transactions (deposit some cash), and your account will be operational again. Then try to link your bank account to GPay.