Income Tax Payer is not allowed to open APY Account                   KO Codes of All the BC?s/BCA?s (engaged upto 31.Mar.2022) who have not completed their mandatory IIBF certification will be disabled w.e.f. 01-Oct-2022 till their completion of IIBF certification .For all other BCs / BCAs engaged after 01-Apr-2022 should mandatorily complete their certification to avoid suspension of Code in future.                  
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