Click on following link to read full text of guideline given by RBI
https://mail-attachment.googleusercontent.com/attachment/u/0/?ui=2&ik=804964922c&view=att&th=13d6ee7ce2efb617&attid=0.1&disp=inline&realattid=f_he9tmscp0&safe=1&zw&saduie=AG9B_P_9bDsQpBuhR2_N6s5tRfXz&sadet=1363392050711&sads=3oAfxhuNkmTP2gYBu61IeaK0Apk
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