State Bank Of India [SBI] — branch is not doing any work for me and my money is blocked

I WANT TO CLOSE BEFORE MATURITY MY NRE(NON RESIDENT EXTERNAL) STDR INR16142 WHICH IS WITH STATE BANK OF INDIA NRI BRANCH G12 A, CONNAUGHT CIRCUS, NEW DELHI110001, INDIA (BRANCH CODE 08655). I SENT KYC FORMS WITH ALL DOCUMENTS, IDS, PROOF OF ADDRESS, PASSPORT COPY, PAN CARD COPY, ELECTRICITY BILL, WATER BILL, INCOME LETTER FROM GOVERNMENT OF CANADA ETC.
I AM DISABLE SENIOR MORE THAN 66 YEARS OLD.
I SENT ALL DOCUMENTS TWICE BY MAIL CANADA POST BUT BRANCH DID NOT ACKNOWLEDGE. PERHAPS THEY THREW IN GARBAGE.
I SENT ALL ABOVE DOCUMENTS BY REGISTERED EMAIL TOO BUT BRANCH NEVER DID NOT CLOSE THE ACCOUNT. I BELIEVE THAT THERE ARE SERIOUS IRREGULARITIES OR FRAUDULENT ACTIVITY OR DISHONEST EMPLOYEES IN THE BRANCH.

RESPECTED RBI AUTHORITIES, I SUBMITTED KYC FORMS BY MAIL AND REGISTERED EMAIL BOTH. SBI STAFF REFUSED TO ACCEPT ANYTHING BY REGISTERED E.MAIL AND KYC FORMS WITH ALL DOCUMENTS SENT BY POST WERE NOT ACKNOWLEDGED BY SBI NRI BRANCH NEW DELHI 8655 STAFF.
The seniors, sick or disable persons in India or NRIs who have no families and have accounts in India can not complete formalities of RBI at all. The branches give hard time with cruelty to customer without feeling their pain and in absence of any one paper, branch stops all work permanently while asking the document according to RBI rules.

RBI rules:
1st rule. Every two years, customer should submit KYC forms with such documents which are next to impossible to arrange by above customers e.g. .Passport, proof of permanent residence, proof of temporary residence, proof of income, proof of tax residency, proof o[censored]tility bills, bank statement, driving license and more.

2nd rule: Some of above customers can arrange documents in few months with great difficulty but due to their sickness or age, they can not visit post office to dispatch original papers to bank. Now bank
has to apply another RBI rule on customer that all papers must be submitted by post only but they never mention in their reply that they got documents by email while asking repeatedly documents by post.

At present, I know only above two rules and I am suffering badly. Because of strictness of bank staff about above rules, I have heart problem in addition to my regular disability. I am NRI 66+ disabled and get all help in my bed from home care department of govt. of canada. I complete paper work while I am in bed and type few words after short intervals or I take my care givers help to type for me. I do not go out frequently. I could try to go out to post necessary documents
repeatedly and perhaps I could be successful to post, even then, there is no guarantee that all papers are in order. If not, bank will not do anything for customer at all and will not write also. Simply send email asking therein more papers. This process perhaps will not be completed by customer until his death. Then, all the money will be stolen by any smart bank employee or any known person of customer or bank will keep money in sundry/suspense accounts.
RBI has mentioned to ignore these rules for such customers and low income customers and small amount accounts but bank does not how to
help customer keeping in mind their problems because in absence of above formalities, bank will not do anything whereas the above rules are not necessary for eligible customers.
My complaint is as under:
a. I complained in 2016 to cms that my account should be closed by email and at that time, my request was accepted. Now again, I have the same problem. I submitted all documents by email but bank did not confirm receipt of documents. They simply sent email asking all documents by post.
b. In the past, I sent my request by post for
i. cheque book
ii. to register nomination form
iii. to change email id for online banking
iv. to register mobile phone
v. to register pan card
But my all above requests were ignored. Neither bank updated record nor send me any letter for refusal.
c. Branch never asked to submit KYC forms by themselves but when I tried to register pan card and email id on online banking ( I was not successful) and I wrote email to branch, then, branch asked kyc forms.
d. Branch should send to all the eligible customers by post whenever necessary before closing the account or making the account dormant.
e. Now branch refused to register every thing e.g. pan card, email id, KYC documents, closing the accounts, transfer the money to another branch etc. in absence of original documents.
FEEDBACK: RBI SHOULD AMEND RULES AS UNDER
A. All above mentioned customers automatically be given the best customer service and must not be asked any documents forcefully if they are unable to do so.
B. Penalty for low balances must not be charged from above customers and if charged, must be reversed. Those accounts must be treated as small accounts after proper verification.
C. Such customers might be less than 1 percent, so, bank officer should visit at the residence of customer for life certificate or for completing KYC forms or any other document. Bank field officer goes at the residence of customer for collecting or reminding loan instalments. Similarly disable customer must be helped.
D. Documents must be accepted by email if customer is unable to send by post. Email, online banking, telephone banking are more safe than postal service.
Example:
1. My pan card was sent from India to Canada but by
mistake it was at wrong post office in Canada who were to send the pan card back to India. I was tracking every day many times online and by telephone, so, they could deliver the pan card successfully.
2. Most of the documents sent by me could not reach to bank in India or the branch threw them in garbage.
3. Envelopes can be opened in transit and there are chances that important documents, information, instruments can be stolen in some cases. Mostly courrier service is safe but it is very expensive and can not be afforded by every one who has small income.

E KYC forms every two years rule should be optional. All these rules are to avoid frauds. I heard the stories of fraud from one or two sbi branches, wherein, fraud was done by bank staff. Frauds can be done by friends, relatives, bank staff etc and KYC rule or postal service rule can not stop fraud. Because of one bad person, whole country must not be punished.