VIJAYA BANK

INDEX:
Money Transfer Service

Head Office,
M.G.Road,
Bangalore560001

Merchant Banking
Date: 07-06-2012
CIRCULAR No.12113
To:
ALL BRANCHES AND ALL OTHER OFFICES
Dear Sir,
Subject:
Summary
Earlier
Reference

Western Union Money Transfer [WUMT] Services

Re-entering with Wall Street Finance Ltd [WSFL] a Principal
Agent of [M/s Western Union Money Transfer Services Inc.[USA]]
HOC 10075/2010 dated 06.05.2010
HOC 119/2005 dated 24.06.2005

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 reputed money transfer companies abroad known as Overseas
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.

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 reentered 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 nonbanking 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

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
VIJAYA BANK
"Sub Agent" for WSFL
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

make the payment to customer.

140100301000110

and

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.

TRANSACTION FLOW CHART

Remitter goes to
Western
Union
outlet

Remits money
to India

MTCN no. is
generated
&
furnished
to
the remitter

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

Remitter furnishes details to

Receiver in India

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.

Advantages to the bank from the tie up arrangement.

The commission will be shared at 70:30 ratio between Vijaya Bank &
WSFL
The branches can canvass CASA deposits of receiver in India.
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 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.
All records should be preserved for 10 years.
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.
Don'ts
Do not pay the amount in cash if it exceeds `50000 and amount of
`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
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

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.

Step 2 Select Certificate & press Ok

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.

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

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

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

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

Step 8 Click on Payout Now

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

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

Agent Copy

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

For Cash payment enter the below mentioned fields

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.

The following Additional details should be entered by the branch

Please F4 and make the below credit entry.

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

Annexure 3

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
Photo Identification (Legal name and any
other names used)

Type of Documents (Self Attested)

1. Passport
2. PAN card
3. Voters Identity Card
4. Driving license
5. Aadhar/UID Card
6. Ration Card
7. Refugee Card
8. Identity card (Subject to APs 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 APs 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 customers 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. Customers 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.

Placement 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.

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. To this effect what is
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.

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

10

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 6th Floor, Hotel
Samrat, Chanakyapuri, New Delhi 100021.

1.

Every Month, by the 7th 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

11

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

12

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.

13

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.

14

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
No
1.

Type of Information
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 of NRIs and
Foreign Nationals.

6.

Is the transaction in line with the

profile of the customer
Any other information about the
customer or Transaction
Do you think the transactions are
suspicious
Reason for point 8

7.
8.
9.

Description

Branch Name:

Branch Name:

Signature of the Branch Official/ Area sales Signature of the Branch Manager/ Regional
sales Manager:
manager:

Name of the Area sales Manager:

Name of the Branch Manager/ Regional Sales

Manager:

15

Annexure 4
Sl.No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47

Branch_CodBranch_Name
7301
RELIEF ROAD
7302
AMBAWADI
7304
MANINAGAR
7305
MANEK CHOWK
7306
NAVRANGPURA
7311
NAVASARI
7315
ASHRAM ROAD
7316
MACHHAD
7317
KACHHIAWADI
7321
SARASPUR
7323
ANAND
7324
GURUKUL
7326
BODAKDEV
7328
I F B,AHMEDABAD
7329
SATELLITE AREA
7335
A R M B,AHMEDABAD
7336
SOLA CROSS ROAD
7337
CHANDKHEDA
7339
KRISHNA NAGAR,AHMEDABAD
7346
SCIENCE CITY
7348
GHUMA
7349
VASTRAL
7351
GOTASAYANA CITY
7352
PALADI,AHMEDABAD
7357
CORP.BKG BRANCH,AHMEDABAD
7367
HARINIROAD,VODADARA
1038
BRIGADE ROAD
1065
GANGANAGAR
1066
SANJAYNAGAR
1097
COX TOWN
1286
PALACE ORCHARDS
1331
TRINITY CIRCLE
1356
TURUVEKERE
1380
YELAHANKA
1389
KOTHANUR
1400
H B R LAYOUT
1414
VIDYARANYAPURA
1416
R T NAGAR, BANGALORE
7108
SAHARANPUR
7501
AMRITSAR
7502
JALANDHAR
7503
LUDHIANA
7505
BILGA
7506
KAPURTHALA
7507
PHAGWARA
7508
HOSHIARPUR
7512
B R S NAGAR

REGION
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
AHMEDABAD
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
BANGALORE(N)
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH

48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97

7513
7515
7516
7517
7518
7520
7521
7522
7524
7526
7581
8302
8304
8309
8310
8311
8314
8316
8319
8323
3001
3002
3005
3008
3012
3015
3017
3018
3020
3021
3024
3026
3034
3035
3039
3044
3046
3048
3049
3050
3051
3060
3064
3071
3073
3074
3802
3803
6024
6809

BATALA
M S M E,JALANDHAR
KHARAR,PUNJAB
ZIRAKPUR,PUNJAB
GARHSHANKAR
BANGA,PUNJAB
M S M E,LUDHIANA
MAHILPUR,PUNJAB
MOHALISAS NAGAR
PATHANKOT
GURU NANAK DEV UNIVERSITY
ROHTAK
PANCHKULA
YAMUNANAGAR
KAITHAL
AMBALA CANTT
KARNAL,HARYANA
FATEHBAD
SIRSA
MANDI DABWALI
ADYAR
MOORE STREET
EGMORE
MOUNT ROAD
SAIDAPET
TRIPLICANE
T NAGAR
AVADI
PURUSAWALKAM
TONDIARPET
VADAPALANI
M S M E MYLAPORE
RANGARAJPURAM
VENKATNARAYANA ROAD
KOLATHUR,CHENNAI
ANNANAGAR,CHENNAI
MEENAMBAKKAM
ASHOKNAGAR,CHENNAI
ABHIRAMAPURAM,CHENNAI
MOGAPPAIR,CHENNAI
TAMBARAM,CHENNAI
M S M E,AMBATTUR CHENNAI
VIRUGAMBAKKAMCHENNAI
ADAMBAKKAM
INDIRANAGAR CHENNAI
KUNDRATHUR
VELTECH ENGINEERING COLLEGE,
TIRUCHIRAPALLI AIRPORT
PONDICHERRY
PONDICHERYRAGACOVAS

CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHANDIGARH
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI
CHENNAI

98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147

3007
3014
3016
3023
3027
3028
3029
3032
3045
3047
3052
3054
3056
3057
3058
3061
3066
3067
6002
6004
6008
6009
6013
6031
6033
6035
6041
6042
6047
6049
7001
7002
7015
7019
7113
7126
7140
7145
7147
7178
8305
4003
4007
4008
4012
4016
4018
4020
4021
4025

MADURAI
TIRUCHIRAPALLI
TUTICORIN
P N PATTI
DINDIGAL
THANJAVUR
TIRUNELVELLI
NAGARCOIL
KARAIKUDI
ANNANAGAR,MADURAI
KARUR
M S M E,THIRUCHENGODE
PUDUKOTTAI
KOTHAMANGALAM
MARTHANDUM
THIRUVARUR TAMILNADU
KUMBAKONAM
DEVAKOTTAITAMIL NADU
CHANDNI CHOWK
BARAKHAMBA ROAD
KAROLBAGH
KHUREJIKHAS
KRISHNA PARK
GREATER KAILASH
RAJA GARDEN
NEHRU PLACE
VIKAS MARG
MALVIYANAGAR
PUNJABI BAGHNEW DELHI
DWARAKA
AJMER
JAIPUR
ALWAR GATE
JHUNJHUNU
GHAZIABAD
NOIDA COMPLEX
GREATER NOIDA
INDIRAPURAM,GHAZIABAD
HAPUR
NOIDASECTOR 63
M S M EBALLABGARH
BANK STREET
CUDDAPAH
WEST MARREDPALLI
HARDIKARBAGH
NALLAKUNTA
NIZAMABAD
SAROJINI DEVI ROAD
SOMAJIGUDA
VIJAYANAGAR COLONY

COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
COIMBATORE
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
DELHI
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD

148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197

4031
4034
4037
4042
4043
4046
4047
4048
4051
4053
4056
4058
4062
4068
4075
4077
4079
4083
4084
4085
4086
4090
4091
4092
4094
4095
4096
4097
4099
4100
4103
4105
4106
4109
2001
2008
2018
2022
2027
2032
2038
2040
2041
2051
2058
2067
2068
2071
2074
2075

CHANDANAGAR
SAHEBNAGAR
MUKRAMJAHI ROAD
KAMAREDDY
MALAKPET
NARAYANGUDA
PEDDAMUL
P G ROAD
VEMULAWADA
SIRIKONDA
DUPALLI
CHARMINAR
MITTAPALLI
BASHEERBAGH
KARIMNAGAR
MOTINAGAR,HYDERABAD
AMEERPET
KUKATPALLY
JUBILEE HILLS
GANDHINAGAR,HYDERABAD
BANJARA HILLS,HYDERABAD
PRODDATUR, ANDHRA PRADESH
ECIL CROSS ROADSECUNDERABAD
MEHDIPATNAM,HYDERABAD
SHAMSHABAD
HABSIGUDA
DILSUKHNAGAR
MADHAPUR
M S M E ADILABAD
THUMKUNTA
NUSTULAPUR
BUNDLEGUDA
CORP.BKG BRANCH,HYDERABAD
KARMANGHAT
ALAPUZHA
KOCHI MAIN
KOTTAYAM
M G ROAD
MUVATTUPUZHA
KOLLAM
TRISHUR
TRIPUNITHURA
THIRUVANANTHAPURAM MAIN
KESAVDASAPURAM
TIRUVALLA
CHAVAKKAD
KOZHENCHERRY
VELLAYAMBALAM
KAZHAKKOOTTAM
PEROORKADA

HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
HYDERABAD
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI
KOCHI

198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247

2080
2081
2082
2802
7204
7205
7208
7211
7213
7221
7222
7224
7225
7227
7229
7231
7237
7239
7240
7402
7407
8401
8402
8404
8405
8406
8413
2003
2004
2005
2006
2012
2013
2014
2015
2017
2023
2024
2028
2029
2031
2037
2044
2059
6501
6504
6505
7102
7103
7105

PATHANAMTHITTA
KARUNGAPALLY
NRI BRANCH,KOCHI
CHRIST NAGAR SCHOOL
DARJEELING
RABINDRA SARANI
PARK STREET
DHARAMTOLLA
BRABOURNE ROAD
GORA BAZAR
RASHBEHARI AVENUE
SEALDAH
CHITTARANJAN AVENUE
NEW MARKET, KOLKATTA
GARIA,KOLKATA
DURGAPUR
JADAVPUR,KOLKATA
KOLKATABATANAGAR
MADHYAMGRAM
BERHAMPUR
PURI
DARBHANGA
M S M E DHANBAD
RANCHI,
JAMSHEDPUR,
MUZAFFARPUR
HAJIPUR
KANNUR
CHALAPURAM
CHATTANCHAL
CHERUTTY ROAD
KALLAI
KALPETTA
KANHANGAD
KASARGOD
KOTTAKKAL
MALAPPURAM
MANJERI
PALAKKAD
PAYYANUR
PONNANI
TIRUR
MULINJE
BADAGARA
MALIHABAD
GOSAIGANJ
JAUNPUR
V N MARG
BAREILLY
KANPUR MAIN

KOCHI
KOCHI
KOCHI
KOCHI
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOLKATA
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
KOZHIKODE
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW

248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297

7106
7107
7109
7110
7111
7114
7115
7117
7118
7119
7120
7121
7123
7127
7128
7134
7135
7139
7141
7143
7146
7152
7157
7158
7159
7160
7161
7162
7163
7164
7166
7169
7171
7174
7175
7177
7183
7190
7192
7193
7195
7197
7198
1003
1009
1012
1029
1030
1036
1047

HAZRATGANZ
MEERUT
VARANASI
M S M EMUZAFFARNAGAR
AGRACANTT
M S M EGORAKHPUR
MORADABAD
FIROZABAD
DALIGANJ
PHULPUR
ALIGARH
CANTONMENT
R S M NAGAR
B N ROAD
JHANSI
GOMTINAGAR
PATEL NAGAR
NEHRU NAGAR
I E T MOHIBULLAPUR
UNNAO
CIVIL LINES,ALLAHBAD
FAIZABAD
ALIGANJ
ASHIYANA
JANAKIPURAM
BARABANKI
GOKHALE MARG
BALAGANJ CHOWK
SULTANPUR
FATEHPUR
VIKAS NAGAR
PILIBHIT
RAJAJIPURAM
ROZA
KHURJA
JAGDISHPUR
THEOSOPHICAL SOCIETY,KAMACHA
GVTC,BAREILLY
DAYALBAGH
BASTI
MUGHULSARAI
DEORIA
HANDIA
ALPE PADIL
ASHOKNAGAR
B C ROAD
BELTHANGADI
BENDOOR
BONDEL
CITY MANGALORE

LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
LUCKNOW
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE

298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347

1053
1062
1098
1102
1112
1120
1132
1149
1177
1205
1213
1215
1222
1281
1291
1300
1378
1420
1436
1459
5002
5003
5011
5012
5023
5027
5035
5042
5044
5047
5049
5053
5058
5062
5064
5069
5070
5071
5072
5075
5076
5077
5078
5079
5080
5081
5084
5092
5093
5094

DARBE PUTTUR
FALNIR
JEPPU
KAIKAMBA
MULKI
KINNIGOLI
FOUNDER'S BR
MOODABIDRI
PUTTUR MAIN
TALAPADY
UJIRE
ULLAL
VITLA
ALAKE
KUKKUJADKA
BIJAI
SULLIA
KANKANADY,MANGALORE
BAJPE
UPPINNGADY
BANDRA(W)
CHEMBUR
MAHIM
MANDVI
DOMBIVILI(E)
ULHASNAGAR
ANDHERI(W)
CHUNABHATTI
VASHI
BORIVALI(W)
PALGHAR
NEW PANVEL
BHIWANDI
NERUL
GHATKOPAR
DAHISARE
KANDIVILIW
VERSOVA, MUMBAI
DR.AMBEDKAR RD,BANDRAW
MALADW,MUMBAI
JUHU,MUMBAI
POWAI, MUMBAI
MULUNDWEST,MUMBAI
THAKUR VIILAGEKANDIVILIE
VASAIWEST
THANEWESTGHODBUNDER ROAD
SAKINAKA,ANDHERIEAST
KHARGAR
KALYAN
KALWA

MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MANGALORE
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI

348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397

5095
5096
5100
5102
5105
5106
9513
6010
6014
6023
6025
6026
6055
6056
1033
1037
1041
1048
1080
1111
1116
1130
1167
1195
1197
1210
1211
1212
1243
1257
1266
1336
1408
1445
1471
4004
4005
4009
4010
4013
4015
4023
4030
4035
4036
4038
4039
4040
4041
4044

MIRA ROADEAST
NALASOPARAWEST
BORIVALIEAST
DOMBIVLIW
KALINA,MUMBAI
SPL.MF BRANCH,SANTACRUZE
OVERSEASII,SANTACRUZW
PANAJI,GOA
MADGAON,GOA
MAPUCA,GOA
VASCO,GOA
PONDA,GOA
SANTACRUZGOA
PIRVORIM,GOA
BHATKAL
BRAHMAVAR
BYNDOOR
KUNDAPUR
HEBRI
KARKALA
KAUP
KUMTA
PADUBIDRI
SHIRALI
SHIRVA
UCHILA
UDUPI MAIN
UDUPI PUTTUR
THALLUR
DONDERANGADI
KARWAR
ANKOLA
KUMBHASHI
HONNAVAR KARNATAKA
MURUDESHWAR(MAVALLI)
BHIMAVARAM
BUTTAIGUDEM
ELURU
GOPALAPURAM
KAKINADA
KOVVUR
TIRUPATHI
TANUKU
RAJAMUNDRY
KOLAMURU
ALAMURU
MORI
MURAMULLA
KARAPA
NARSAPUR

MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
MUMBAI
PUNE
PUNE
PUNE
PUNE
PUNE
PUNE
PUNE
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
UDUPI
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA
VIJAYAWADA

398
399
400

4045
4057
4071

RAMCHANDRAPURAM
KOTHAPALLI
I POLAVARAM

VIJAYAWADA
VIJAYAWADA
VIJAYAWADA