The bank refused to cash certified cheque


A student from foreign country presented a certified cheque to an Indian bank. But the bank refused to cash the certified cheque claiming the student should open an account in the bank primarily.
Is it legal for a bank to refuse cashing a certified cheque on the grounds of not opening an account?
If its illegal, what are the legal remedies for the above said action? To whom should the complainant file a complaint?


You can make a complaint to Banking Ombudsman, Reserve Bank of India.