Central Information Commission
Sarvesh R. Pai Kane vs State Bank Of India on 20 May, 2025
के ीय सूचना आयोग
Central Information Commission
बाबा गं गनाथ माग,मुिनरका
Baba Gangnath Marg, Munirka
नई िद ी, New Delhi - 110067
ि तीय अपील सं ा / Second Appeal No. (As per Annexure)
Sarvesh R. Pai Kane ... अपीलकता/Appellant
VERSUS
बनाम
CPIO:
State Bank of India, ... ितवादीगण/Respondents
Panaji, Goa
Relevant dates emerging from the appeal:
Sl. Second Date of Date of Date of Date of Date of
No. Appeal RTI CPIO's First FAA's Second
No. Application Reply Appeal Order Appeal
1. 129745 02.01.2024 07.06.2024 01.03.2024 30.05.2024 25.08.2024
2. 129077 04.03.2024 28.03.2024 18.04.2024 28.05.2024 21.08.2024
3. 129154 25.03.2024 16.04.2024 20.04.2024 28.05.2024 23.08.2024
4. 129273 26.02.2024 21.03.2024 15.04.2024 28.05.2024 20.08.2024
5. 127940 28.02.2024 20.03.2024 12.04.2024 18.05.2024 10.08.2024
6. 112337 26.12.2023 15.01.2024 10.02.2024 18.03.2024 12.04.2024
7. 111992 20.01.2024 06.02.2024 08.02.2024 05.03.2024 09.04.2024
8. 111831 17.01.2024 06.02.2024 08.02.2024 05.03.2024 04.04.2024
9. 112098 01.01.2024 20.01.2024 16.02.2024 18.03.2024 10.04.2024
10. 109699 15.09.2023 17.10.2023 06.11.2023 14.12.2023 18.03.2024
11. 107428 23.10.2023 04.11.2023 08.11.2023 14.12.2023 28.02.2024
12. 107308 05.10.2023 21.10.2023 07.11.2023 14.12.2023 26.02.2024
The instant set of appeals have been clubbed for decision as these relate to similar
RTI Applications and same subject matter.
Date of Hearing: 05.05.2025
Date of Decision: 16.05.2025
CORAM:
Page 1 of 17
Hon'ble Commissioner
_ANANDI RAMALINGAM
ORDER
Second Appeal No. CIC/SBIND/A/2024/129745
1. The Appellant filed an RTI application dated 02.01.2024 seeking information on the following points:
1) Sum of Credit Risk Premium (with percentage) and other cost including operating cost as mentioned in Para 2 of the Annexure HL-AJ (One Time Option to Switch-Over).
2) Change of Credit Risk Premium when Borrower's credit assessment. undergoes change as mentioned in Para 2 of the Annexure HL-AJ (One Time Option to Switch-Over).
3) All other cost including operating cost altered periodically at Bank's discretion on payment of one-time switch-over fee of Rs.5,000/- plus applicable taxes as mentioned in Para 2 of the Annexure HL-AJ (One Time Option to Switch-Over).
1.1. Aggrieved with the non-response of the CPIO, the Appellant filed a First Appeal dated 01.03.2024. The FAA vide order dated 30.05.2024 directed the CPIO to reply to the Applicant within 10 working days from the date of receipt of this order, as per the provisions of the Right to Information Act, 2005. 1.2. Thereafter, the CPIO replied vide letter dated 07.06.2024 and the same is reproduced as under:-
The spread above EBLR includes the Credit Risk premium and the Business Strategy Premium.
In case of the applicant's Home Loan A/c No *******9991, the CRP (Credit Risk Premium) + Business Strategy premium since 21.10.2020 i.e. the date of Switch Over to EBLR till date is 0.35%.Page 2 of 17
There is no change in the CRP + BSP after switch over to EBLR for Home Loan Account No *******9991. It is the same i.e. 0.35% since 21.10.2020 till date.
There is no such historical data available in the record for Home Loan A/c No *******9991.
1.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 25.08.2024.
Second Appeal No. CIC/SBIND/A/2024/129077
2. The Appellant filed an RTI application dated 04.03.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009.
1) Issue me certified/verified copies of all the relevant Circulars, E-Circulars and Master Circulars applied & applicable to my current one time switch over option scheme signed by me and approved by SBI on 17-10-2020 and as the same is applied to my above Home loan account (copy of the Annexure HL-AJ as attached). Kindly issue the same along with all its RBI guidelines, instructions & directions from starting till date issued by RBI to State Bank of India to follow the same & implement.
2) Issue me certified/verified copies of all the Circulars, E-Circulars and Master Circulars issued by SBI on EBLR from starting till date along with all its RBI guidelines, instructions & directions on EBLR Schemes issued by RBI to State Bank of India from starting till date on EBLR Schemes to follow the same and implement.
2.1. The CPIO replied vide letter dated 28.03.2024 and the same is reproduced as under:-
1: The circulars and directions issued by RBI to the Banks from time to time are made available on the Public Website https://rbi.org.in.Page 3 of 17
https://rbi.org.in>Notifications The Information about Bank's Circulars sought by the applicant is of commercial confidence to the Bank. Hence, it is exempt from disclosure under 8(1)(d) of the RTI Act 2005.
2: The Information sought by the applicant is of commercial confidence to the Bank. Hence, it is exempt from disclosure under 8(1)(d) of the RTI Act 2005.
2.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 18.04.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 28.05.2024 upheld the reply given by the CPIO.
2.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 21.08.2024.
Second Appeal No. CIC/SBIND/A/2024/129154
3. The Appellant filed an RTI application dated 25.03.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009.
1) Give complete list of documents available in the entire Branch file(s) of my above Home Loan Account.
2) Also, the entire Branch file checking be provided to me of my above Home Loan Account, as earlier when I visited the Branch on 09-12-2022 the Branch Manager Charu Sharma was just about to show me the file on my request, but suddenly refused verbally on the instructions of senior branch officer who is now retired. As she was just suppose to issue me the copy of my Home Loan Sanction Letter unknowing the facts in disputes of denying the same in earlier case in which the then AGM's Mohan Rao & Krishna Mohan Achary both were show-
caused with penalty of Rs. 25,000/- each by the Hon'ble Information Commissioner for misleading and denying the same under RTI. Even after which Page 4 of 17 my Home Loan Sanction Letter is not been issued to me by SBI and the CPIO's still continue manipulating and misleading the same also to the Hon'ble information Commissioner. (show caused File No. CIC/SBIND/C/2019/124589).
3) Give complete CCTV Footage of my above-mentioned visit to SBI Navelim Branch on 09-12-2022 in the second half of the day.
3.1. The CPIO replied vide letter dated 16.04.2024 and the same is reproduced as under:-
1: The Home Loan file for A/c No *******9991 had already been provided to the applicant on his request vide RTI application dated 21.08.2021.
The Home Loan file was made available at the Regional Business Office to the applicant in September 2021. The applicant visited the Regional Business Office for scrutiny of the file and had sought copies of various papers/documents from the Home Loan file which were provided to the applicant on deposit of requisite fees.
The list of documents available in the file is enclosed as Annexure 1.
2: The entire Home Loan file was provided to the applicant on his request vide RTI application dated 21.08.2021. The information sought is already provided to the applicant vide our reply letter No. SBI/RBO/II/PAN/ADMIN/2021- 22/001526 dated 22.09.2021 to RTI application dated 21.08.2021.
The Home Loan Arrangement Letter with all the terms and conditions of the sanction and the sanction note of the Home Loan is already provided to the applicant vide our reply letter SBI/RBO/II/PAN/ADMIN/2021-No 122/001526 dated 22.09.2021 to RTI application dated 21.08.2021 The documents sought by the applicant are already provided to him in reply to his previous RTI applications.
3: The CCTV footage of 09.12.2022 is not available with the Bank.
Hence, we are unable to furnish the information sought.Page 5 of 17
3.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 20.04.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 28.05.2024 upheld the reply given by the CPIO.
3.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 23.08.2024.
Second Appeal No. CIC/SBIND/A/2024/129273
4. The Appellant filed an RTI application dated 26.02.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009.
1) Issue me the complete Historical Data of SBAR from starting till date.
2) The SBAR historical data issued vide CPIO Letter No. SBI/RBO/II/PAN/ADMIN/2021-22/001526 dated 22-09-2021 was from 03-01-
1994 till 30-06-2010. Since, SBAR was discontinued from 01-07-2010 onwards and Base Rate came into existence, further SBAR historical data from 01-07- 2010 onwards was not provided to me as said by CPIO verbally at the time of my File checking visit. Kindly confirm me whether SBAR was in existence or was discontinued after 30-06-2010. If SBAR was in existence then SBAR Historical Data from 01-07-2010 onwards till date be given to me under this RTI as the same was not provided to me earlier.
4.1. The CPIO replied vide letter dated 21.03.2024 and the same is reproduced as under:-
1: Enclosed as Annexure 1.
2: The Base Rate system replaced the existing BPLR system w.e.f. 01.07.2010 and was available only for the existing borrowers till the date reset/review/renewal of the availed facility.Page 6 of 17
The historical data of Benchmark Prime Lending Rate (SBAR) is available of the Bank's Website https://bank.sbi and also enclosed with this reply as 'Annexure 1'.
https://bank.sbi> Interest rates> BPLR > BPLR Historical Data 4.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 15.04.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 28.05.2024 directed the CPIO to furnish a revised reply on query no.2 to the Appellant within 10 working days from the date of receipt of this order, under the advice to this authority.
4.3. The CPIO provided a revised reply on 03.06.2024, in compliance with the FAA's order and the same is reproduced as under:
"The Benchmark Prime Lending Rate also No known as SBAR in our Bank was in existence after 01.07.2010. The BPLR System (called SBAR in our Bank) was discontinued/not applicable for the new loans and the credit facilities due for reset/renewal w.e.f. 01.07.2010.
The historical data of the Benchmark Prime Lending Rate also known as SBAR in the Bank is available of the Bank's Website and was enclosed with our earlier reply dated 21.03.2024.
The path is as below:
https.//bank.sbi> interest rates> Benchmark Prime Lending Rate: Historical Data."
4.4. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 20.08.2024.
Second Appeal No. CIC/SBIND/A/2024/127940
5. The Appellant filed an RTI application dated 28.02.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009.Page 7 of 17
1) Who is authorized to sanction borrowers Home Loans in SBI Navelim Branch (code-11452). Give his complete details with his designation and the name of the concerned Department who is authorised to sanction/sanctions Borrowers Home Loans once he applies.
2) Once the borrower applies for Home Loan-in SBI Navelim Branch, who issues and is authorised to issue Home Loan Sanction Letter to the Borrower.
3) Once the Home Loan is applied by the Borrower, what is the procedure carried out by SBI Navelim Branch? Give complete detailed procedure of the Borrowers Home Loan carried out & followed by the SBI Navelim Branch (Code-11452) and the entire State Bank of India from starting till sanctioning, Approval and till the closure of the Home Loan Etc. once the Home Loan is applied/availed by the Borrower.
4) If the above Borrowers Home Loan procedures are not followed as per the Laws, rules & regulations by the SBI Navelim Branch, All SBI offices, SBI Departments, SBI Staffs, SBI officials, Chairmans Etc., then what are the punishments & actions taken by SBI on the same/on them as per the rules & the Laws enforced.
5.1. The CPIO replied vide letter dated 20.03.2024 and the same is reproduced as under:-
1: The Information sought by the applicant pertains to the discretionary powers of the Bank's Officials. The information is of commercial confidence to the Bank and is exempt from disclosure under 8(1)(d) of the RTI Act 2005.
The note towards sanction of the applicant's Home Loan account No *******9991 with the designation and signature of the sanctioning Authority is already provided to the applicant vide RTI Reply Letter No. SBI/RBO/II/PAN/ADMIN/2021-22/1526 dated 22.09.2021 (Point No 1) to application dated 21.08.2021.Page 8 of 17
2: The Sanctioning Authority or the designated Officer of the Concerned department where the loan is sanctioned issues the Home Loan Sanction Letter to the borrower.
3: The applicant us seeking information about the internal procedures of the Bank which is confidential and cannot be disclosed.
The information is of Commercial Confidence to the Bank and is exempt for disclosure under 8(1)(d) of the RTI Act 2005.
4: The Information sought by the applicant is of commercial confidence to the Bank. Hence, it is - exempt from disclosure under 8(1)(d) of the RTI Act 2005.
5.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 12.04.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 18.05.2024 upheld the reply given by the CPIO.
5.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 10.08.2024.
Second Appeal No. CIC/SBIND/A/2024/112337
6. The Appellant filed an RTI application dated 26.12.2023 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009.
1) Kindly inform me the current spread charged in EBLR to my above-mentioned home loan account.
2) Kindly inform me the current spread charged in MCLR and it's switch-over charges from EBLR to MCLR for my above-mentioned home loan account.
6.1. The CPIO replied vide letter dated 15.01.2024 and the same is reproduced as under:-
1: The current spread above EBLR charged to the Home Loan Account No. *******9991 of the applicant is 0.35%.Page 9 of 17
The present EBLR is 9.15% 2: There is no option of Switch over from EBLR to MCLR and the new loans are priced with EBLR.
6.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 10.02.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 18.03.2024 upheld the reply given by the CPIO.
6.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 12.04.2024.
Second Appeal No. CIC/SBIND/A/2024/111992
7. The Appellant filed an RTI application dated 20.01.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009
1) Issue me copy of complete details of Serial No.: 184/08-09 and full Circular No.:
NBG/PBU/HL-HOME LOANS/20/2008-09 dated 03/07/2008, both as mentioned in Memorandum of Loan Agreement For Home Loan Granted To Public, which was issued to me vide SBI Reply Letter No. SBI/RBO/II/PAN/ADMIN/2021- 22/001526 dated 22-09-2021 addressed to me.
7.1. The CPIO replied vide letter dated 06.02.2024 and the same is reproduced as under:-
The information sought by the applicant is of commercial confidence to the Bank. Hence, it is exempt from disclosure under 8(1)(d) of the RTI Act 2005.
7.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 08.02.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 05.03.2024 upheld the reply given by the CPIO.
7.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 09.04.2024.Page 10 of 17
Second Appeal No. CIC/SBIND/A/2024/111831
8. The Appellant filed an RTI application dated 17.01.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009
1) Issue me copy of full Circular No.: NBG/PBU/HL-HOME LOANS/44/2008-09 dated 4/2/2009, same as mentioned in Arrangement Letter, which was issued to me vide SBI Reply Letter No SBI/RBO/II/PAN/ADMIN/2021-22/001526 dated 22-09-2021 addressed to me.
8.1. The CPIO replied vide letter dated 06.02.2024 and the same is reproduced as under:-
The information sought by the applicant is of commercial confidence to the Bank. Hence, it is exempt from disclosure under 8(1)(d) of the RTI Act 2005.
8.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 08.02.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 05.03.2024 upheld the reply given by the CPIO.
8.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 04.04.2024.
Second Appeal No. CIC/SBIND/A/2024/112098
9. The Appellant filed an RTI application dated 01.01.2024 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009
1) Kindly furnish me the complete historical data of the RBI Repo Rate and the Spread from the beginning till date as mentioned in the Annexure HL-AJ (One Time Option to Switch-Over) along with all the Scheme Circulars of the same.
9.1. The CPIO replied vide letter dated 20.01.2024 and the same is reproduced as under:-
Page 11 of 17The historical data of RBI - Repo Rate is available on the Public Website https://rbi.org.in.
The historical data of EBLR (RBI Repo rate + spread over the RBI repo Rate) is available on the Bank's website https://bank.sbi The current spread above EBLR charged to the Home Loan Account No. *******9991 of the applicant is 0.35% since the date of switch over to EBLR till date.
9.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 16.02.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 18.03.2024 directed the CPIO to furnish a revised reply to the Appellant within 10 working days from the date of receipt of this order, under advice to this authority. In Compliance of the FAAs' order, the CPIO provided revised information in tabular format on 21.03.2024.
9.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 10.04.2024.
Second Appeal No. CIC/SBIND/A/2024/109699
10. The Appellant filed an RTI application dated 15.09.2023 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009 & Full Information on +/- Arrears till Date with Proofs.
1) Issue me complete information on arrears of my above-mentioned home loan account, date-wise from the beginning till date. Earlier, during my visit to SBI Navelim Branch (Code:11452) on 16-08-2023 during 12:30PM to 01:00PM, I was told verbally by the Branch Manager that my above-mentioned loan account is regular and the arrears of my loan account as on date is Rs.-28,266/-(minus Rupees Twenty Eight Thousand Two Hundred Sixty Six only) and an extra Page 12 of 17 amount of Rs.28,266/- is been paid by me till date which is not added to my outstanding principal balance, due to which my outstanding loan principal amount shows more. However, the above information is not available in any of my loan account statements but the same is available in the Bank's system and as said by the Branch Manager, such details cannot be shared to the customers.
Hence, the copies of the complete information be given to me under my above RTI request as it pertains to my above-mentioned home loan account.
2) Also give complete CCTV Footage of my above-stated visit to the SBI Navelim Branch.
10.1. The CPIO replied vide letter dated 17.10.2023 and the same is reproduced as under:-
1: The Loan A/c No. *******9991 tis regular as on date and not irregular as mentioned by the applicant The statement of the said loan account generated in Bank's system showing the repayment -amount, interest amount debited and daily outstanding balance since the date of account opening till date is enclosed as Annexure '1'.
2: The information sought is not available.
10.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 06.11.2023 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 14.12.2023 directed the CPIO to furnish a revised reply to the Appellant within 10 working days from the date of receipt of this order, under advice to this authority.
10.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 18.03.2024. In compliance of the FAA's order, the CPIO provided revised information on 29.04.2025 including the statement of loan account; and Page 13 of 17 informed that the CCTV footage was not saved because of certain issues in hardware/DVR of the CCTV system.
Second Appeal No. CIC/SBIND/A/2024/107428
11. The Appellant filed an RTI application dated 23.10.2023 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009
1) Kindly give the name of the SBI Official(s) along with his/her designation(s) who had signed & issued Letter No. RBO/I/Adv/PER/0258 dated 09-06-2009 and Letter No. RBO/I/Comp/07263 dated 08-12-2011 to me (copy as attached).
11.1. The CPIO replied vide letter dated 04.11.2023 and the same is reproduced as under:-
The Letter No RBO/I/Adv/PER/PVS/0258 dated 09.06.2009 is signed by Mr. Diogo Mario Azavedo, the then Chief Manager, RBO I. There is no such letter No. RBO/I/Adv/PER/0258 dated 09.06.2009 available on record.
The letter No. RBO/I/Comp/07263 dated 08.12.2011 is issued by Mr. Shubhabrata Bhattacharya the then Assistant General Manager (RBO I) 11.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 08.11.2023 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 14.12.2023 upheld the reply given by the CPIO.
11.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 28.02.2024.
Second Appeal No. CIC/SBIND/A/2024/107308
12. The Appellant filed an RTI application dated 05.10.2023 seeking information on the following points:
My Home Loan A/c No. *******9991 under SBI Happy Home Loan Scheme 2009 & The Consumer Conciliation Committee Complaint No.130/2017.Page 14 of 17
1) Kindly give the names of the Officers of the Opposite Parties Nos.1 and 2 who were threatened by the Consumer Conciliation Committee as mentioned in Sr. No.11 on Page 5 of the Written Statement dated 01-02-2019 of the SBI Mgr., Mr. Dipak Dwarkaprasad Mishra, submitted by him at The District Consumer Disputes Redressal Forum, South Goa at Margao, with reference to my Complaint No. 85/2018 filed by me against The State Bank of India at the District Consumer Forum, South Goa (copy as attached).
12.1. The CPIO replied vide letter dated 21.10.2023 and the same is reproduced as under:-
The copy of the minutes of the meeting regarding Consumer Conciliation Committee Complaint No 130/2017 is available with us.
However, the names of the Officers are not mentioned on the minutes of the meeting.
Hence, we are unable to furnish the information sought.
12.2. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 07.11.2023 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 14.12.2023 upheld the reply given by the CPIO.
12.3. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 26.02.2024.
Hearing Proceedings & Decision:
13. The appellant and on behalf of the respondent Ashish, RM & CPIO, attended the hearing through video conference.
14. The appellant inter alia submitted that the information provided by the respondent was inadequate and evasive. In CIC/SBIND/A/2024/129077, he argued that the respondent had denied the internal circulars by illegally citing exemption under Section 8 (1) (d) of the RTI Act. Further, in CIC/SBIND/A/2024/107308, the respondent had deliberately withheld the names of the officials who attended the Consumer Conciliation Committee.
Page 15 of 1715. The respondent while defending their case inter alia submitted that they had furnished point-wise information to the appellant in all the appeals. Further, in respect of the cases wherein the appellant had raised objections i.e. in CIC/SBIND/A/2024/129077, the CPIO clarified that the circulars issued by RBI to banks including RBI were available on the website. However, bank's circulars concerning EBLR rates contained several commercial parameters, disclosure of which may affect the competitive position of the respondent authority. Further, in CIC/SBIND/A/2024/107308, the CPIO confirmed that the minutes of meeting only contained signatures of the attending members and not their names.
16. The Commission after adverting to the facts and circumstances of the case, hearing both parties and perusal of records, observes that the respondent has adequately disposed of each RTI application, filed by the appellant. It may not be out of place to mention that previously vide decisions issued in File No. CIC/SBIND/A/2023/133621 & Ors. dated 25.06.2024, the same issued raised by the Appellant were heard by the Commission, and he was advised inter alia to redress the same before the appropriate forum. Now, therefore, Commission cannot lose sight of the fact that the Appellant appears to be filing repetitive RTI Application(s) on the same issues in a trailing manner which have been duly addressed by the respondent by furnishing adequate information. The said approach of the Appellant largely points towards a misuse of the RTI Act. In the above backdrop, the Appellant is advised to make judicious use of his right to information in the future and to desist from filing repetitive RTI Applications as Appeal(s) emanating from the same are liable to be summarily dismissed henceforth. The Respondent(s) are also at liberty to rely on the instant decision in the event that the Appellant files same or similar RTI Applications in the future. Accordingly, the appeals are dismissed.
Copy of the decision be provided free of cost to the parties.
Sd/-
(Anandi Ramalingam) (आनंदी रामिलंगम) Information Commissioner (सूचना आयु ) िदनांक/Date: 16.05.2025 Page 16 of 17 Authenticated true copy O. P. Pokhriyal (ओ.पी. पोख रयाल) Dy. Registrar (उप पंजीयक) 011-26180514 Addresses of the parties:
1. The CPIO State Bank of India, CPIO, Regional Business Office-II, South Goa, State Bank Bhawan, M. G. Road, Post Bag No.-12, Panaji, Goa-403001
2. Sarvesh R. Pai Kane Annexure Sr. No. File No.
1. CIC/SBIND/A/2024/129745
2. CIC/SBIND/A/2024/129077
3. CIC/SBIND/A/2024/129154
4. CIC/SBIND/A/2024/129273
5. CIC/SBIND/A/2024/127940
6. CIC/SBIND/A/2024/112337
7. CIC/SBIND/A/2024/111992
8. CIC/SBIND/A/2024/111831
9. CIC/SBIND/A/2024/112098
10. CIC/SBIND/A/2024/109699
11. CIC/SBIND/A/2024/107428
12. CIC/SBIND/A/2024/107308 Page 17 of 17 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
Nil Powered by TCPDF (www.tcpdf.org)