Payment of refund/rebate through e-payment: sanctioned amounts credited via NEFT/RTGS to beneficiary bank accounts after bank-certified authorization. Sanctioned refund/rebate payments will be made by electronic transfer (NEFT/RTGS) after claimants submit a bank certified one time authorization (Annexure A). The refund authority forwards a signed consolidated statement (Annexure B), a consolidated cheque and an electronic copy to the authorized bank, which credits beneficiary accounts after deducting RBI prescribed charges. Banks must generate UTRs and periodic scrolls; the sanctioning authority forwards UTR reports monthly to the PAO for reconciliation and discrepancy reporting.