Section 28(1) in The Payment And Settlement Systems Act, 2007
(1)No Court shall take cognizance of an offence punishable under this Act except upon a complaint in writing made by an officer of the Reserve Bank generally or specially authorised by it in writing in this behalf, and no Court, lower than that of a Metropolitan Magistrate or a Judicial Magistrate of the first class, shall try any such offence:Provided that the Court may take cognizance of an offence punishable under section 25 upon a complaint in writing made by the person aggrieved by the dishonour of the electronic funds transfer.
