In 2014, the Reserve Bank of India (RBI), India's central bank and financial regulator, issued a directive on request from large ATM network and card-issuing banks which expressed concern about the growing cost of ATM network operations, large cash outflows, and other problems. In fact, customers of same bank withdrawing more than 5 times in month were sought to be charged. Present directive reduces Free transaction per month from as five to three with revised charges of INR 20 plus taxes levied per transaction as ATM transaction fee.