S Nagaraju, 68, queued up along with other worried customers of Sri Guru Raghavendra Sahakara Bank in Bengaluru's leafy Basavanagudi. The retired government official lives alone and depends on his pension and interest from his fixed deposit at the co-operative bank to run his household. He says the Reserve Bank India's directions that customers can only withdraw Rs 35,000 for the next six months will "make life very difficult".