<h1>Waiver of RTGS and NEFT processing charges promotes digital transactions; banks must pass benefits and disclose ATM fee structure.</h1> Banks issue debit cards under Board approved policy and may obtain and authenticate an individual's Aadhaar number for receipt of benefits or subsidies, including e KYC on the customer's declaration; voluntary Aadhaar verification is permitted. The Reserve Bank waived processing charges for NEFT and RTGS transactions and advised banks to pass benefits to customers; RBI guidance also mandates minimum free ATM transactions by location, a ceiling on per transaction ATM charges, and transparent disclosure of banks' ATM charge structures.