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According to the RBI’s note exchange policy, soiled, mutilated, or stained currency notes are not useless. No bank can say no to exchanging such notes on the condition that they are not fake. Any bank branch or Reserve Bank of India (RBI) can exchange such notes. If a bank refuses to exchange such currency notes, action will be taken against the bank concerned, along with a penalty to be paid up to Rs 10,000 under the RBI’s bank notes exchange policy. If a person has over 20 damaged notes of wor
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