The focal point branches receive the scrolls and the documents from the dealing branches by post (normally by Registered post). This means that settlement of funds is inevitably delayed for the period of postal transit plus the time for consolidation at focal point branch creating a lag in final accounting in government account with CAS Nagpur.
That is, the statutes simply made a particular requirement or authority applicable to banks or banking organizations generally, with few clear distinctions based on the characteristics of the regulated entities. The federal banking agencies did adopt some regulations with requirements that applied only to larger institutions.