Madhu Sharma vs Punjab National Bank on 23 June, 2023

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Central Information Commission

Madhu Sharma vs Punjab National Bank on 23 June, 2023

1. The issue under consideration arising out of the second appeal dated 11.09.2021 include non-receipt of the following information sought by the appellant through the RTI application dated 03.05.2021 and first appeal dated 19.06.2021:-

 Information on Surabhi Fly Ash Bricks, At/Po: Nasigaon, Dist.: Kalahandi, Odisha financed under PMEGP, by Punjab National Bank Bhawani patna, wherein landed property belonging to the applicant is kept as co-lateral security.

(i) Whether co-lateral security/ guarantee in shape of mortgage is mandatory under PMEGP loans amounting to Rs.25 lakhs?

(ii) Whether guarantee/ co-lateral security cover under CGTMSE is provided for loans under PMEGP amounting to Rs. 25 lakhs?

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(iii) Whether guarantee/security cover are taken by bank both by way of mortgage and CGTMSE cover for loans under PMEGP amounting to Rs. 25 lakhs?

(iv) Whether guarantee/ security cover is provided under CGTMSE in case of Surabhi Fly Ash Bricks, Village: Nasigaon, Dist.: Kalahandi financed under PMEGP? If yes, please furnish details of amount charged by the bank for providing such cover.

(v) Whether co-lateral security /mortgage in shape of landed property bearing plot no: 1397/3949, khata no: 587/732 situated at village: Nasigaon, belonging to Mrs. Madhu Sharma (self) is kept in case of Surabhi Fly Ash Bricks, Nasigaon?

2. Succinctly facts of the case are that the appellant filed an application dated 03.05.2021 under the Right to Information Act, 2005 (RTI Act) before the Central Public Information Officer (CPIO), Punjab National Bank, Behrampur, Ganjam, seeking aforesaid information. The CPIO vide letter dated 29.07.2021 replied to the appellant. Aggrieved by the same, the appellant filed first appeal dated 19.06.2021. The First Appellate Authority (FAA) vide did not pass any order. Aggrieved by that, the appellant filed second appeal dated 11.09.2021 before the Commission which is under consideration.

3. The appellant has filed the instant appeal dated 11.09.2021 inter alia on the grounds that reply given by the CPIO was not satisfactory. The appellant requested the Commission to direct the CPIO to provide the complete information and take necessary action as per Section 20 (1) of the RTI Act.

4. The CPIO replied vide letter dated 29.07.2021 and the same is reproduced as under:-

"- Any loan above Rs.10.00 lakhs should be covered by collateral security either in the form of mortgage or liquid security. CGTMSE is a scheme provided by the Govt of India in order to provide collateral protection in case the loan account become NPA. The lonee can opt for CGTMSE coverage of immovable property can be provided for collateral security to cover the entire loan amount. The loan account "Surabhi Fly Ash Bricks" is covered under CGTMSE scheme. The CGTMSE Page 2 of 4 charges are reflected in the loan statement, which can be sought from the branch by lonee only. As Madhu Sharma is the applicant seeking information under RTI act hence the applicant is hereby is requested to get the mortgaged property details from the branch. As the applicant has mentioned that her property is kept as collateral security."

5. The appellant remained absent and on behalf of the respondent Shri P.K.Das, CPIO, Punjab National Bank, Ganjam attended the hearing through video conference.

5.1. The respondent while defending their case inter alia submitted that they had provided detailed information vide letter dated 29.07.2021.

6. The Commission after adverting to the facts and circumstances of the case, hearing the respondent and perusal of records, observed that due reply was given by the CPIO on 29.07.2021. Further, in the absence of the appellant or any written objections thereof, the averments made by the respondent were taken on record. There appears to be no public interest in further prolonging the matter. Accordingly, the appeal is dismissed.

Copy of the decision be provided free of cost to the parties.

Sd/-

(Suresh Chandra) (सुसुरेशचं ा) ा सूचनाआयु ) Information Commissioner (सू दनांक/Date: 22.06.2023 Authenticated true copy R. Sitarama Murthy (आर. सीताराममूत ) Dy. Registrar (उपपंजीयक) 011-26181927(०११-२६१८१९२७) Addresses of the parties:

THE CPIO PUNJAB NATIONAL BANK CIRCLE OFFICE, BERHAMPUR, SIVA ARCADE, 2ND FLOOR, TATA BENZ SQUARE, BERHAMPUR, DIST:

GANJAM, PIN-760001 Page 3 of 4 THE FIRST APPELLATE AUTHORITY NATIONAL BANK CIRCLE OFFICE, BERHAMPUR, SIVA ARCADE, 2ND FLOOR, TATA BENZ SQUARE, BERHAMPUR, DIST:

GANJAM, PIN-760001 MS. MADHU SHARMA Page 4 of 4

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