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  1. The Bank has admitted that the loan has become an NPA and the company has not yet repaid the loan availed by it. In this matter a large amount of public fund has been advanced by the bank to M/s Hanung Toys & Textiles Ltd. The company has defaulted in repayment and the loan has become NPA, therefore, the matter is of larger public interest. The Commission directed the respondent to provide certified copy of the proposal of credit sanction to M/s Hanung Toys and Textiles Ltd., after severing the personal information relating to the promoters, group or company as well as regarding the company's products, technical know-how, etc., to the appellant. 2018-02-10-162633416.pdf
  2. HI All, I want to know the role of registered bequeath(wasiyat) in case of bank account if bank account holder itself has been expired by the help of RTI. Actually my father has been expired and there is left one bank account tht does not have added any nominee and bank itself has been locked(dealth lock) in tht account,but he has left registered bequeath(wasiyat) in my favour. Now, i want to withdraw tht money .So, is there any way tht registered bequeath will help me to withdraw tht money without any issue. So. Is there any illegal rule to show that bequeath as a proof to bank to resolve tht issue or RTI will help me to know that it is correct or not. Please guide me.
  3. Dear Sir/Madam, I wish to know that is there any provision by RBI to charge customer for their own account closure. I just has closed an account from SBI Bhavangar, Gujarat Sardarnagar Branch. I have filled up a form to close the account in which the charge was not mentioned and only charge applicable instruction was there. So I thought that the charge may be 20-25 Rs. for which I was ready. But the bank has debited the amount of Rs. 500 + 18% GST from the account which was really shocking. I request you to give information whether there is any such guideline by RBI for such closure charge by Bank or not. If there its Ok but if not there how bank can charge so high charges for my own account closure due to their poor service. In addition, there was no feedback space on which I can mention the reason why I want to close the account. Means bank was interested in only debiting the account closure charges. I request your kind help by providing the information. Best Regards, Janak Bhatt DELETED mobile number - not allowed to post on the forum
  4. I was trying (unsuccessfully) to get my bank - State Bank of Mysore - to implement sec 4 of the RTI Act. I gave up after a DO in the CIC (instead of a Commissioner himself) responded to my Complaint with the following letter: http://dsscic.nic.in/cause-list-report-web/download?filename=MjAxNy0wNS0wNi0xMTIxMTIxMDAwMi5wZGY%3D Recently six State Banks were merged with SBI and I decided to have a look at the Sec 4 disclosure of Indias largest Bank (owned by you and me !). Have a look at their website's RTI page: https://www.sbi.co.in/portal/web/corporate-governance/right-to-information-act-2005 Have a hearty laugh.
  5. Hello, Can anyone Suggest me any remedy to get rid from bundles of letters sended by RTI asking informations regarding my bank information? It becomes inconvenient to give such answers. Is this a misuse of RTI Act? Giving answers to every letter isnt mean of inviting thieves & dacoits in my home. What can i do in such case??
  6. d s agrawal

    sms charges by banks

    Hello, all the banks are charging Rs.5/-per month per a/c for sms service charges, can i raise rti for it
  7. The Reserve Bank is very mindful of the impact of adopting global policies in the country’s banking sector, according to a top official. In the recent past, adopting international capital and liquidity standards have been preceded by detailed quantitative impact studies. The RBI explicitly presents its assessment on the global developments and external sector risks and challenged associated with globalisation, in its monetary policy announcements. These were conveyed to RTI activist S Dheenadhayalan who had written to the Prime Minister raising a number of issues concerning the functioning of the country’s banking system.Read more at; RBI tracking impact of global policies on banks, says official | Business Line
  8. Hello, Respected sir, Using r.t.i. i want to know about the list of bhartiya and non bhartiya banks in Bharat desh. who is the concerened P.I.O. Please guide. Thanks.
  9. Exactly one year ago, an amount of Rs.18500/- was withdrawn from ATM of State Bank of Mysore [sBM] at Belapur near Mumbai, while my friend was having his SBI [state bank of India] ATM card at Junagadh [nearly 700 kms away]. He got SMS for debit. A complaint and claim was lodged with branch of SBI at Junagadh. In addition RTI was filed with SBM for CCTV footage which they supplied through SBI along with reports generated by ATM system.SBI first treated this as ATM failed transaction [where account is debited and no money dispensed by ATM] and declared that their system shows that transaction was successful. We insisted that this is a case of fraud of card cloning and skimming of PIN. SBI accepted it later on. We supported our claim with information received under RTI Act from SBM and also SBI. In August 2014 SBI agreed to reimburse amount but processing and sanction of claim was inordinately delayed at LHO Ahmedabad. Again RTIs were filed to dig out status and manual extract for ATMs etc. Based on this we lodged detailed complaint to Corporate Center at Mumbai. It did not work for a month and hence on 13-04-2015 email was sent to CMD of SBI with relevant details. On 17-04-2015 bank refunded the amount. As per SBI manual, such claims should have been settled in 33 days from date of complaint but was delayed for one year!!! However, we shall be claiming compensation, interest and expenses shortly through administrative channel as per compensation policy of banks and ensure that accountability for unexplained delay is fixed on officers.In last one year 7 RTI applications and 3 first appeals were filed with SBM and SBI.Right from branch head to AGM Junagadh to GM/CGM LHO Ahmedabad, DGM Corporate Center Mumbai and ultimately CMD had to be sensitized for such a small claim. I do not know what this bank will do with poor illiterate villagers when they will use ATMs under Jan Dhan Yojana of Hon’ble Prime Minister. We shall be submitting details of this case to PMO to ensure that villagers are not harassed by banks at least under PMJDY.17-04-2015
  10. TOI has copies of some cheques bearing Indian calendar dates that were not honoured by PSU banks. Information sought from RBI through Right to Information (RTI) query filed by city-based activist Abhay Kolarkar clarifies that all nationalized banks should accept cheques drawn and signed in Hindi without any additional formality. RBI had issued a circular on July 31, 1992, directing the banks to accept cheques having national calendar dates. The bank governing body stated there was no prohibition under any central act to use any date other than the British calendar dates. "The relevance of putting a date on the cheque is to ascertain whether the cheque is current or stale. A cheque written in Hindi and bearing a date in Hindi as per national calendar is valid and ought to be accepted by the banker," said the circular. Read at: You can put national calendar dates on cheques, but banks don?t know - The Times of India
  11. Your money may not be safe in the bank, and not because of macro reasons beyond control. Cheating and forgery have led to public and private sector banks losing as much as Rs.27,000 crore cumulatively in the last five years, reveals information obtained by dna under the Right to Information (RTI) Act. Read at: Banks no safe havens for your money | Latest News & Updates at Daily News & Analysis
  12. By Douglas Gillison If only Hillary Clinton had been president of the World Bank and not chief of US diplomacy. The former Secretary of State now says she wants the world to see her emails. This, to fend off a new controversy in which reporters, researchers, archivists, political adversaries and posterity itself might have been denied access to her official communications — which she apparently stored on a private server somewhere in her suburban mansion in New York. But the emails of Jim Yong Kim, Robert Zoellick, Paul Wolfowitz and other World Bank presidents cannot be subpoenaed by Congressional investigators or requisitioned by investigative reporters under any freedom of information law. That is because the World Bank categorically refuses to release internal communications of any of its executives or staff. More read at; Freedom of Information: The World Bank Lags Behind Many Member States
  13. Over 3.70 lakh complaints have been received by bank ombudsman during last 5 years, reveales a RTI Act response. Read more at; 3.7 lakh complaints against banks in five years, revelas RTI response | Latest News & Updates at Daily News & Analysis
  14. Over 3.70 lakh complaints against banks in 5 years New Delhi, Mar 15 (PTI) Over 3.70 lakh complaints have been received by the banking ombudsman during last five years with highest number of complaints, 1.02 lakh, against State Bank of India, reveals an RTI response. The data received shows that 3,70,543 complaints have been received by 15 banking ombudsman during 2009-10 to 2013-14. Read More: fullstory
  15. Status of RTI in India - a paper by ex IC Mr Shailesh Gandhi Attached is a paper presented by ex IC Mr Shaileh Gandhi to the World Bank. It highlights the background and present status of the working of the Act in India. State of RTI WB report.docx
  16. The Competition Commission of India (CCI) is investigating if banks have been acting as a cartel in fixing lending rates in recent times. The competition regulator confirmed this in response to an RTI query furnished by activist S Dheenadhayalan. Read at: CCI probing case of banks ?fixing? lending rates | Business Line
  17. sir, i had filed a complaint a month ago with a nationalized bank in regards to a very rude behaviour of one of its cashier ..it was so unacceptable and evident to the extent that the official seem to have behaved that way with most of them.. i had not received any reply from the bank manager on this yet or on the details of any action taken yet..i could very much make it out that even the manager is very much not pleased with the behaviour of that official and he seemed helpless..now,if i had to file a RTI in this regard with the nodal officer or with their head office requesting details on this complaint..what should be my point look like..i dont want to see my RTI get rejected under the pretext of this not being serving any public interest.....so am thinking of writing my RTI with points like requesting information on the details of action take, details of trainings undergone by this official in handling customers, etc etc. but really looking for some guidance on what should be my RTI point like that will teach these kind of a official a lesson from their higher managers..
  18. Hello, Is any state or central government banned to use clay bricks in India?
  19. The CIC has ruled that CCTV footage of inside bank premises is disclosable where the applicant is present in the video. The two orders of the CIC are attached to this post. order 1.PDF order.PDF
  20. According to the Reserve Bank of India (RBI), its non-performing assets of nationalized banks has swelled from Rs9,190 crore in 2011-12 to Rs2,16,739 crore in 2013-14. The statistics were provided by the RBI to former journalist Ketan Tirodkar under the Right to Information Act (RTI). Tirodkar has filed a public interest litigation in the Bombay high court seeking that the Central Bureau of Investigation (CBI) be directed to conduct a probe in the NPA scams. Read at: Nationalised banks' non-performing assets shoot up to R2,16,739 crore | Latest News & Updates at Daily News & Analysis
  21. As per the media news ,Hyderabad , ANDHRA BANK STAFF HAVE STAGED DHARNA IN FRONT OF SEVERAL LOAN DEFAULTERS REQUESTING THEM TO CLEAR THEIR DUES AS THE BANK IS INCURRING LOSSES. This is a novel method of forcing the defaulters to pay their dues unlike private banks who send recovery agents with muscles to threaten, if this method works all other nationalised banks can adopt this to recover more than one lakh crores which are the dues mostly from the influential persons who have taken loans in the name of business and starting industries and mostly avoid payments since they know the property which they have shown as surity will be worthless and even if the bank uses Securitisation act nothing will happen to them. let us hope the public money will be recovered from the defaulters.
  22. Hello, A Nationalised bank CPIO has taken stand that DoPT No 1/6/2011-IR dt 15-4-2013 is not applicable since it is only marked to Ministrues /department of Govt of India and not to Banks.. If any body can give me decisions of CIC/High courts in this regard.
  23. By Preeti Kulkarni in Economictimes.indiatimes.com on 15 Dec, 2014 RBI releases charter giving more rights to bank customers - The Economic Times Has your bank been unfair to you or made you invest in an unsuitable product? You can now take the bank to task. The RBI has released a charter of customer rights that lays down five basic rights that bank customers enjoy. Though a framework laying down service standards already exists, industry-watchers feel a direct intervention from the RBI could make the process more robust. "This will also simplify the process for laypersons. Customers can flash this charter and demand that the rights be met," says certified financial planner Harshvardhan Roongta, CEO, Roongta Securities. The central bank has also advised the Indian Banks Association (IBA) and the Banking Codes and Standards Board of India (BCSBI) to formulate a 'Model Customer Rights Policy' based on the charter's principles. In case a bank violates any of the rights as laid down by RBI, customers can approach the customer services division of the apex bank. "With this charter, the RBI will have legislative powers to act against errant banks," says a retired head of a large public sector bank. Here are the rights of customers as notified by the RBI. Right to Fair Treatment This right prohibits banks from discriminating on grounds of gender, age, religion, caste and physical ability while offering products and services. Banks can continue to offer differential rates of interest or products to customers. "The financial services provider may, however, have certain special products which are designed for members of a target market group or may use defensible, commercially acceptable economic rationale for discriminating between customers," the central bank had clarified. Right to Fair & Honest Dealing You can expect documents and language used to be simplified and more transparent. The charter requires banks to ensure that all contracts are transparent and easily understood by the common person. The onus of sending out effective communication in a simple language will rest with banks. Also, information on the product's price, customer's responsibilities and, most importantly, key risks will have to be disclosed upfront. The charter, through this right, will also protect you against unfair business practices and harassment. Right to Suitability Despite several regulations, complaints related to mis-selling continue to plague the distribution space, particularly in case of life insurance-cum-investment policies. Lured by higher commissions, sales officials tend to push products without ascertaining their suitability for the customer. With this charter coming into force, such officials might find it difficult to palm off, say, market-linked insurance products to senior citizens who are looking for stable returns. Right to Privacy Banksare duty-bound to keep customers' personal information confidential, unless the disclosure is required by law or customers have given their consent. "Customers have the right to protection from all kinds of communications, electronic or otherwise, which infringe upon their privacy," the charter states. Banks cannot pass on your details to telemarketing companies or for cross-selling. "There have been instances where bank officials, on the basis of transaction details, have asked customers to route their investments through them. This is not ethical," says Roongta. Right to Redressal & Compensation The right to grievance redressal will come to your aid if your bank fails to adhere to basic norms. The charter makes banks accountable for their own products as well as those of third parties. They will no longer be able to wash their hands off the responsibility once the product is sold. As per the charter, banks will also have to communicate the policy for compensating mistakes on their part, lapses in conduct and non-performance or delays in performance. The redressal and compensation policy will have to clearly state the rights and duties of the customer when such events occur.
  24. Mumbai : In a landmark order, the Central Information Commission has ruled that CCTV footage of a public place is in the public domain and cannot be denied to a citizen. The case pertains to Mumbai-based RTI activist Chetan Kothari, who wanted the CCTV footage of the incident when a UCO bank cashier at Bhulabhai Desai Road misbehaved him. “The man ahead of me in the queue got Rs 1,000 in the denomination of Rs ten but when I asked for it, the cashier, Ganpat Dongera, was rude to me,’’ said Kothari. The incident happened on November 3, 2012. Unsatisfied with the action taken by the bank — merely instructing the employee concerned to be polite — Kothari asked for the service record of Dongera as well as the CCTV record of the incident. Read more: Citizens can access CCTV footage of public place - Free Press Journal
  25. From an email received from Mr Venkatesh Nayak: Dear all, The Government of India has published in the Official Gazette the Terms of Reference (ToR) of the Special Investigation Team it has set up to investigate the issue of black money stashed abroad by Indians (2nd attachment). The setting up of the SIT amounts to a welcome reversal of previous government policy on this subject. The previous Government had opposed this direction despite a clear order from the Supreme Court in 2011. The SIT will be headed by Justice (Retd.) M B Shah with Justice Arijit Pasayat as Vice-Chair. The rest of the members are the same ex officio senior bureaucrats who were part of the High Level Committee set up by the previous Government to look into the cases of persons who were said to have stashed away money in foreign banks abroad. The Joint Secy. (Revenue) has been added to this list as Member Secretary of the SIT. This SIT is an outcome of the directions of the Hon'ble Supreme Court of India in the matter of Ram Jethmalani and Ors. vs Union of India and Ors., (2011) 8 SCC 1- judgement delivered in July 2011. It is also interesting to note that with the exception of the retired judges and bureaucrats of the Finance Ministry, all other members are representatives of organisations notified under the Second Schedule of the Right to Information Act, 2005 (RTI Act) which are not required to furnish any information other than that pertaining to allegations of corruption or violation of human rights.However, in my opinion, as the SIT has been set up by a notification of the Central Government and as it will be wholly financed by the same Government, it will be a public authority under the RTI Act. Terms of Reference seemingly omit an important Court direction: While going through the ToR, I found that a crucial direction given by the Supreme Court in July 2011 is missing form the Gazette notification published by the Central Government. On page 66 of its judgement the Apex Court had ordered two more things to be done by the SIT in addition to what it said on pages 38-42 (1st attachment): 1) that the SIT must take over the investigation of individuals with bank accounts in Liechtenstein as disclosed by Germany to India and expeditiously conduct the same; and 2) SIT should review concluded matters also to assess whether investigations have been thoroughly and properly conducted or not and if they conclude that there is scope for further investigation they should proceed further. On 01 May this year the Central Government had said that investigations had been concluded against 18 of the 26 individuals that had bank accounts in Liechtenstein. These names were received from Germany and investigation had concluded in 17 cases. No evidence was found against 8 individuals and the investigation had been concluded against them. You will find this information in the daily order of the Apex Court at: http://judis.nic.in/temp/17620093152014p.txt So technically the ToR should have included reopening of these cases also to assess whether everything was properly done and if there is any need to proceed further. The current ToR published in the Gazette do not explicitly refer to these two directions. However I hope the SIT in its wisdom will interpret its mandate broadly to cover these directions as well and make up for what probably is an omission due to oversight. Importance of this case to RTI Readers who have gone through the Supreme Court's judgement and those who may like to read it now, will notice that this appeal case arose from an RTI application made by the Petitioners to disclose the names of the bank accountholders that Germany handed over to the Central Government. The previous Government adamantly refused to follow the directions of the Court to hand over to the Petitioners the names of individuals against whom investigations had been completed wholly or partially. Last month the Government handed over two sealed envelopes containing the names of the accountholders to the Court. The Court again directed that the names be handed over to the Petitioners. These names have not been made public by the Government, officially, till date. There is no reference to this direction in the ToR of the SIT either. The NDA Government could change policy in this regard as well and publicise the names contained in the sealed envelopes, as it would only be dutifully following the directions of the Court. Such a step would demonstrate the NDA Government's commitment to transparency as a real one going beyond mere public relations exercises. This case is also of great use for all RTI users and activists who receive rejection orders from Public Information Officers (PIOs) and First Appellate Authorities on the ground that contracts with private parties contain confidentiality clauses and cannot be disclosed under the RTI Act. In this case also the Government of India, under the United Progressive Alliance, refused to make the names of the accountholders public saying that Germany had handed over their names to Indian authorities under a tax agreement that contains a 'confidentiality' clause. The Apex Court examined the relevant clause of the treaty and came to the following conclusion: 1) that the tax agreement did not prohibit disclosure of information provided by one signatory to another if it was required in a judicial proceeding; and 2) that confidentiality clauses contained in international treaties and agreements are not to be interpreted as set in stone. Instead they must be tested against the concept and practice of the rule of law guaranteed by the Indian Constitution and most importantly the right to freedom of speech and expression guaranteed under Article 19(1) and the right to seek redress for violation of fundamental rights guaranteed under Article 32 of the Constitution. The confidentiality clause would be tolerated only if it matched any of the grounds mentioned in Article 19(2) for imposing reasonable restrictions on the citizens' right to freedom of speech and expression. As RTI is a deemed fundamental right under Article 19(1)(a), it can also be restricted only on grounds mentioned in Article 19(2) and the RTI Act but no other ground would be valid. Readers will recognise that the Indian Government signs bilateral or multilateral treaties and agreements in exercise of its sovereign functions. When confidentiality clauses contained in such agreements are subject to the fundamental right to free speech and expression and consequently RTI, confidentilaity clauses contained in commercial agreements with private parties that public authorities enter into during the routine course of government business must also be interpreted along the same lines. The mere existence of a 'confidentiality' clause in a contract with one or more private parties is not enough to reject a request for copies of the contract under the RTI Act. This is a landmark interpretation of the Apex Court and if applied in letter and spirit can open up to public scrutiny a whole range of contracts and agreements that the Government signs with private parties. Public-Private Partnership (PPPs) agreements would have to meet this test before the public authority concerned can refuse access to such agreements. I hope readers will watch with great interest how transparently the SIT will be functioning in the days to come. Kindly circulate this email widely. Thanks RamJethmalni-v-UnionofIndia-SCI-Jul11.pdf BlackMoney-SIT-ToR-May14.pdf
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