law: Payment and Settlement Systems Act, 2007
  28. Cognizance of
  
  offences. -
  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.
  2.  
  
    Notwithstanding
  
  anything contained in the Code of Criminal Procedure, 1973, a Magistrate may
  
  dispense with the personal attendance of the officer of the Reserve Bank filing
  
  the complaint, but the Magistrate may, in his discretion, at any stage of the
  
  proceedings, direct the personal attendance of the complainant.