Ashish Kumar Singh vs Central Bank on 15 May, 2023

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Central Information Commission

Ashish Kumar Singh vs Central Bank on 15 May, 2023

1. The issue under consideration arising out of the second appeal dated Nil include non-receipt of the following information sought by the appellant through the RTI application dated 20.06.2021 and first appeal dated 27.07.2021:-

म ने के नरा ब क म दनांक १८.१०.२०१४ को " धानमं ी जन धन योजना" के अंतग त एक जीरो बैलस बचत खाता खुलवाया था | िजसमे म ने "Rupay Platinum Debit Card" क$ सुिवधा भी ले रखी है : व िजसे म ने ०३.०४.२०२१ को पूण त: बंद करवा दया :

(i) कृ पया यह जानकारी दान कर क मेरे उ- " धानमं ी जन धन योजना" के अंतग त खोले गए जीरो बैलस बचत खाते से मेरे "Rupay Platinum Debit Card" पर वा.ष क रखरखाव शु1क (Annual Maintenance Charge) लागू है या नह2 | य द हाँ तो उस शु1क क$ पूण व मािणत सूचना दान कर | Page 1 of 5

(ii) कृ पया यह जानकारी दान कर क मेरे उ- " धानमं ी जन धन योजना" के अंतग त खोले गए जीरो बैलस बचत खाते के िलए एस एम एस आ1टर शु1क (SMS Alterts Charge) लागू है या नह2 | य द हाँ तो उस शु1क क$ पूण व मािणत सूचना दान कर |

(iii) कृ पया यह जानकारी दान कर क मेरे उ- " धानमं ी जन धन योजना" के अंतग त खोले गए जीरो बैलस बचत खाते को कतने दन6 के अ7तराल पर KYC करवाना अिनवाय है | मािणत सूचना दान कर |

(iv) मािणत त8य6 के आधार पर यह सूचना दान कर क " धानमं ी जन धन योजना" के अंतग त खोले गए जीरो बैलस बचत खातो म िलए गए ए.टी.एम. डेिबट काड क$ सुिवधा पर वा.ष क रखरखाव शु1क (Annual Maintenance Charge) लागू है या नह2 | य द हाँ तो उस शु1क क$ पूण व मािणत सूचना दान कर |

(v) मािणत त8य6 के आधार पर यह सूचना दान कर क " धानमं ी जन धन योजना" के अंतग त खोले गए जीरो बैलस बचत खातो म एस.एम.एस अलट शु1क (SMS Alerts Charge) लागू है या नह2 | य द हाँ तो उस शु1क क$ पूण व मािणत सूचना दान कर |

(vi) कृ पया यह जानकारी दान दान कर क " धानमं ी जन धन योजना के अंतग त खोले गए जीरो बैलस बचत खाते को कतने दन6 के अ7तराल पर KYC करवाना अिनवाय है | मािणत सूचना दान कर |

(vii) कृ पया यह जानकारी दान कर क के नरा ब क के ऑनलाइन ब =कं ग पोट ल (https://candi/canarabank.in) म पंजीकरण करने के िलए खाते म ए टी एम डेिबट काड क$ सुिवधा लेना अिनवाय है अथवा नह2 मािणत सूचना दान कर |

(viii) दनांक ०३.०४.२०२१ को म उ- बचत खाते को पूण त: बंद करवाया है | इस स7दभ म कृ पया ">लोसर ?रपोट " क$ स@यािपत ित दान कर | िजससे यह संतुA हो क उ- खाता पूण त: बंद हो चुका है |

(ix) x) यूको ब क के Bक$म कोड १०८ के अंतग त सामा7य बचत खाता योजना के पा ता व मानदंडो क$ पूण व मािणक सूचना दान कर |

(x) xi) यूको ब क के Bक$म कोड १०८ के अंतग त सामा7य बचत खाता योजना के अंतग त खाता खोलने के िलए कसी Cि- के िलए िनधा ?रत 7यूनतम उD सीमा क$ पूण व मािणक सूचना दान कर | Page 2 of 5

(xi) xii) यूको ब क के नो- E1स बचत ब क खाता के पा ता व मानदंडो क$ पूण व मािणक सूचना दान कर|

(xii) xiii)यूको ब क के नो- E1स बचत ब क खाता खोलने के िलए कसी Cि- के िलए िनधा ?रत 7यूनतम उD सीमा क$ पूण व मािणक सूचना दान कर |.....xvi) पॉइं Gस

2. Succinctly facts of the case are that the appellant filed an application dated 20.06.2021 under the Right to Information Act, 2005 (RTI Act) before the Central Public Information Officer (CPIO), Central Bank of India, Jharkhand, seeking aforesaid information. The CPIO did not give any reply to the appellant. Aggrieved by the same, the appellant filed first appeal dated 27.07.2021. The First Appellate Authority (FAA) vide order dated 19.08.2021 disposed of the first appeal. Aggrieved by that, the appellant filed second appeal dated Nil before the Commission which is under consideration.

3. The appellant has filed the instant appeal dated Nil 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. Perusal of the records enclosed along with the second appeal revealed that the CPIO did not give any reply. The FAA vide order dated 19.08.2021 directed the CPIO to provide proper reply to appellant within 10 days of the receipt of the order, and if, for any reason, the information or part thereof could not be provided, the CPIO should explain the reason for it. Subsequently, the CPIO replied vide letter dated 01.10.2022 and the same is reproduced as under:

"As per RBI guidelines, periodic updation of KYC of customer is to be carried out at least once in every two years for high risk customers, once in every eight years for medium risk customers and once in every ten years for low risk customers from the date of opening of the account / last K YC updation date. In order to bring existing account holders to the current COD standards, which is required as per RBI Master Directions, Branches are advised to undertake periodic updation of K YC for all those customers who are visiting branch for updation of Mobile number, PAN Number & Customer Due Page 3 of 5 Diligence Information for clearing pendency in Re-KYC. TI1e branches are also advised to conduct Re-KYC in case the customer's Identity or address under goes a change, even if the period prescribed by RBI for periodic KYC is not completed. Further branches are advised to initiate the process of periodic updation of K YC before 6 months of actual due date. Further, please note that in Re-KYC pending accounts, the debit freeze for transactions will be imposed if Re-KYC updation is not completed within the same quarter, therefore, all efforts should be made to complete Re-KYC before it is actually due."

5. The appellant remained absent and on behalf of the respondent Shri Sunil Kumar, CPIO, Central Bank, Ranchi attended the hearing through audio conference.

5.1. The respondent while defending their case inter alia submitted that the appellant had sought information regarding guidelines about instructions, RBI master directions, etc. for KYC compliance in different accounts. They had informed that the implications of non-compliance with KYC mandates were also provided in web portal.

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 01.10.2022. Perusal of the RTI application revealed that the appellant had raised several queries regarding KYC compliance and the respondent had replied that the information was available in the public domain and also explained the implications of non- compliance of KYC mandate. 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: 12.05.2023 Page 4 of 5 Authenticated true copy आर. सीताराममूत ) R. Sitarama Murthy ( उपपंजीयक) Dy. Registrar ( 011-26181927(०११ २६१८१९२७)

Addresses of the parties:

THE CPIO: CENTRAL BANK OF INDIA REGIONAL OFFICE, 2ND FLOOR, KRISHNA ARCADE , DIPATOLI, BOOTYMORE, RANCHI, JHARKHAND-834001 THE FIRST APPELLATE AUTHORITY CENTRAL BANK OF INDIA PATNA REGIONAL OFFICE BLOCK 'B', 2ND FLOOR, MAURYA LOK COMPLEX, DAK BANGLA ROADDISTPATNA,BIHAR-801001 SH. ASHISH KUMAR SINGH Page 5 of 5

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