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Alok Kumar Jha vs Punjab National Bank on 11 December, 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. CIC/PNBNK/A/2024/644977

 Alok Kumar Jha                                                   ... अपीलकता/Appellant

                                          VERSUS
                                           बनाम
 CPIO:
 Punjab National Bank,                                       ... ितवादीगण/Respondents
 Ranchi, Jharkhand

Relevant dates emerging from the appeal:

 RTI : 23.08.2024                 FA      : 06.09.2024            SA     : 03.10.2024

 CPIO : 05.09.2024                FAO : 01.10.2024                Hearing : 02.12.2025


Date of Decision: 11.12.2025
                                          CORAM:
                                    Hon'ble Commissioner
                                  _ANANDI RAMALINGAM
                                         ORDER

1. The Appellant filed an RTI application dated 23.08.2024 seeking information on the following points:

(i) I have a salary saving account with PNB(IFSC-Punb0500400) Ranchi whose account no is ************0302. I have been informed that on this account there is PAI(Personal accidental insurance) of Rs. 44Lacs(appx). I need to know all details of PAI such as insurer name, amount, account no. etc. Further it is requested to share the PAI claim process and other related procedure details.

2. The CPIO replied vide letter dated 05.09.2024 and the same is reproduced as under:-

SF account no. ************0302 is opened under Bank's Saving Fund Salary Platinum 200. As per Bank's guideline the account is eligible under PAI coverage of Rs. 45 lakhs subject to the terms and conditions from time to time.

Being a group insurance coverage applicable for the scheme from the insurance company, separate information is not applicable. However, as requested we are providing PAI claim process, documents checklist etc.

3. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 06.09.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 01.10.2024 stated that:

1: Insurance policy no. is not available in the record of Circle Office. We are extending facility of Personal Accidental Insurance Coverage on the basis of Internal Circular from Retail Liability Business Division, Head Office, New Delhi. Master policy of Personal Accidental Insurance Coverage is at Head Office.

2: Insurance policy shall commence from the date of opening of eligible salary account.

3: The insurance coverage is available till the account remains in the eligible salary scheme code. This coverage will not be available in cases where account is transferred to saving fund general due to non-receipt of salary in the account. If salary is not credited for continuous 3 months then the account will be transferred to Saving fund general fund PAI will be withdrawn.

4. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 03.10.2024.

5. The appellant remained absent and on behalf of the respondent Nitin Kumar Bagga, CPIO & AGM, attended the hearing through video conference.

6. The respondent while defending their case inter alia submitted that in addition to the CPIO's reply, the FAA gave a detailed and point-wise reply vide its order dated 01.10.2024.

7. The Commission after adverting to the facts and circumstances of the case, hearing the respondent and perusal of records, observes that the respondent has provided an appropriate reply to the RTI Application, as per the provisions of the RTI Act. Further, in the absence of the Appellant to plead his case or contest the CPIO's submissions, the Commission finds no scope of intervention in the matter. Accordingly, the appeal is dismissed.

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

Sd/-

(Anandi Ramalingam) (आनंदी रामिलंगम) Information Commissioner (सूचना आयु ) िदनांक/Date: 11.12.2025 Authenticated true copy O. P. Pokhriyal (ओ.पी. पोख रयाल) Dy. Registrar (उप पंजीयक) 011-26180514 Addresses of the parties:

1. The CPIO, Punjab National Bank, Circle Office : Ranchi, 5th Floor, Nile Complex, Kantatoli, Ranchi, Jharkhand - 834001

2. Alok Kumar Jha Page 3 of 3 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-

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