[abhishivsaxena]

RBI + MoF it seems.

Not sure. The only explanation I can think of is that they don't have Aadhar being illegal migrants or something like that. Or that the bank they are visiting is mismanaged - for which someone should file a complaint.

Btw, you can tell them that they get a full savings account at post offices as well. If they have some savings, it's better for them since interest is higher for families with BPL cards.