i think u r right. Coz I am DD holder with axis bank and I think they are just answering me same way. I am also waiting for PER.BIR1115 said:THOSE WITH SBI DD :
There is no point asking SBI if your DD has been encashed or not. Even Though my DD was encashed on Oct 14, they kept replying "NOT YET"
So just sit back enjoy the festival season and wait for your PER