<ul><li><a href=https://www.rbi.org.in/commonperson/English/Scripts/Notification.aspx?Id=1888 target=_blank>RBI Master circular on mobile banking transactions in India(Master Circular RBI/2013-14/116, adopted 1 July 2013, last accessed in November 2016)</a></li><li><a href=https://www.indiacode.nic.in/bitstream/123456789/1885/1/A194910.pdf target=_blank>THE BANKING REGULATION ACT, 1949(Act No. 10 of 1949, last amended on 7 January 2013)</a></li></ul>