Central Information Commission
Dharmavati vs Baroda U.P. Gramin Bank on 19 January, 2026
केन्द्रीय सूचना आयोग
Central Information Commission
बाबा गंगनाथ मागग,मुननरका
Baba Gangnath Marg, Munirka
नई निल्ली, New Delhi - 110067
नितीय अपील संख्या / Second Appeal No. CIC/BUPGB/A/2024/657188
Dharmavati ... अपीलकताग/Appellant
VERSUS
बनाम
CPIO: Uttar Pradesh Gramin
Bank, Amethi, UP ...प्रनतवािीगण/Respondents
Relevant dates emerging from the appeal:
RTI : 13.07.2024 FA : 25.09.2024 SA : 23.12.2024
CPIO : 31.08.2024 FAO : 05.10.2024 Hearing : 11.12.2025
Date of Decision: 22.12.2025
CORAM:
Hon'ble Commissioner
_ANANDI RAMALINGAM
ORDER
1. The Appellant filed an RTI application dated 13.07.2024 seeking information on the following points:
➢ ननवेिन है नक निनां क 27-06-2024 को प्रानथगनी िारा शाखा प्रबंधक बड़ौिा यू 0पी0 बैंक शाखा चन्द़ौकी जनपि अमेठी (उ0प्र0) को एक प्राथगनापत्र बाबत न्यायालय में नवचाराधीन वाि भूनम पर नवपक्षी िारा अवैध ढं ग से ऋण लेकर भूनम को बंधक नकये जाने हे तु नवनधक कायगवाही करते हुए भूनम को बंधक मुक्त कर नवपक्ष पर धोखाधडी की कायगवाही नकये जाने के सम्बंध में निया गया था। नजसकी छाया प्रनत साथ में संलग्न है नजसके सम्बंध में प्रानथगनी को ननम्ननलखखत सूचनाएं चानहए प्रमानणत प्रनत उपलब्ध कराएं । Page 1 of 5
1. यह नक प्राथगनापत्र निनां क 27-06-2024 पर की गई कायगवाही की िै ननक प्रगनत ररपोर्ग उपलब्ध कराएं ।
2. यह नक प्राथगनापत्र निनां क 27-06-2024 की जां च करने वाले सक्षम अनधकारी का नाम पिनाम व जां च आख्या की प्रमानणत प्रनत उपलब्ध कराएं ।
3. यह नक न्यायालय में नवचाराधीन वाि भूनम पर अवैध ढं ग से ऋण लेते हुए प्रानथगनी की खत़ौनी बंधक नकये जाने हे तु नवपक्षी गणो पर की गई कायगवाही की प्रमानणत प्रनत उपलब्ध कराएं ।
4. यह नक प्रानथगनी की भूनम बंधक मुक्त नकये जाने हे तु की गई कायगवाही की प्रमानणत प्रनत उपलब्ध कराएं ।
5. यह नक कृनि ऋण (के0सी0सी0) निये जाने व भूनम को बंधक नकये जाने से सम्बखित ननयम रे गुलेशन व शासनािे श की प्रमानणत प्रनत उपलब्ध कराये।
2. The CPIO replied vide letter dated 31.08.2024 and the same is reproduced as under :-
"नबंिु सं० 1 :- आपके िारा प्रेनित पत्र निनां नकत 27.06.2024 का प्रनतउत्तर शाखा िारा निनां क 18.07.2024 को प्रेनित नकया जा चुका है ।
नबंिु सं० 2 :- आपके िारा मां गी गई सूचना के क्रम में अवगत कराना है नक उक्त सूचना, सूचना का अनधकार अनधननयम 2005 की धारा 8(1) (e) एवं (j) के अं तगगत संरनक्षत होने के कारण आपको प्रिान नहीं की जा सकती है ।
नबंिु सं० 3 व 4 :- आपके िारा मां गी गयी सूचना पर व्यखक्त के संचानलत ऋण के सम्बि में की गयी कायगवाही से सम्बंनधत है , जो नक सूचना का अनधकार अनधननयम 2005 की धारा 8(1) (e) एवं (j) के अंतगगत संरनक्षत होने के कारण आपको प्रिान नहीं की जा सकती है । Page 2 of 5 नबंिु सं० 5 :- आपके िारा मां गी गई सूचना से सम्बंनधत जानकारी आप हमारी बैंक के वेबसाइर् https://barodaupbank.in/agri.php से प्राप्त कर सकते हैं , साथ ही उक्त से सम्बंनधत नवस्तृत जानकारी हे तु आप अपनी ननकर्वती शाखा से भी संपकग कर सकते हैं।"
3. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 25.09.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 05.10.2024 upheld the reply given by the CPIO.
4. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 23.12.2024.
5. The appellant remained absent and on behalf of the respondent Mr. Nitin, Regional Manager, attended the hearing through video conference.
6. The respondent, while defending their case, reaffirmed their earlier response dated 31.08.2024 and submitted that relevant available information on point nos. 1 and 5, had been furnished to the appellant. He further stated that sought information on point nos. 2 to 4, pertained to the third-party, disclosure of which had no relationship to any public activity or interest, hence, exemption under section 8 (1) (e) & (j) of the RTI Act has been sought.
7. The Commission after adverting to the facts and circumstances of the case, hearing the respondent and perusal of records, observes that the CPIO has provided appropriate reply to the RTI Application as per the provisions of the RTI Act vide letter dated 31.08.2024. The Commission notes that on point nos. 2 to 4, the appellant has sought for the personal information of third party, disclosure of which has no relationship to any public activity or interest. Hence, the CPIO correctly denied the information under Section 8(1) (e) & (j) of the RTI Act. In this regard, the attention of the appellant is drawn towards a judgment of the Hon'ble Supreme Court in the matter of Central Public Information Officer, Supreme Court of India Vs. Subhash Chandra Agarwal in Civil Appeal No. 10044 of 2010 with Civil Appeal No. 10045 of 2010 and Civil Appeal No. 2683 of 2010 wherein the import of "personal information" envisaged under Section Page 3 of 5 8(1)(j) of RTI Act has been exemplified in the context of earlier ratios laid down by the same Court in the matter(s) of Canara Bank Vs. C.S. Shyam in Civil Appeal No.22 of 2009; Girish Ramchandra Deshpande vs. Central Information Commissioner & Ors., (2013) 1 SCC 212 and R.K. Jain vs. Union of India & amp; Anr., (2013) 14 SCC
794. The following was thus held:
"59. Reading of the aforesaid judicial precedents, in our opinion, would indicate that personal records, including name, address, physical, mental and psychological status, marks obtained, grades and answer sheets, are all treated as personal information. Similarly, professional records, including qualification, performance, evaluation reports, ACRs, disciplinary proceedings, etc. are all personal information. Medical records, treatment, choice of medicine, list of hospitals and doctors visited, findings recorded, including that of the family members, information relating to assets, liabilities, income tax returns, details of investments, lending and borrowing, etc. are personal information. Such personal information is entitled to protection from unwarranted invasion of privacy and conditional access is available when stipulation of larger public interest is satisfied. This list is indicative and not exhaustive..."
8. Further, copy of letter dated 18.07.2024 as mentioned in the reply for point no. 1 has not been uploaded on the Commission's weblink. Therefore, the the Commission directs the CPIO to upload the above said letter within 07 days from the date of the receipt of this order, under intimation to the Commission. With this observation and direction, the appeal is disposed of.
Copy of the decision be provided free of cost to the parties.
Sd/-
(Anandi Ramalingam) (आनंदी रामल ंगम) Information Commissioner (सूचना आयुक्त) निनां क/Date: 22.12.2025 Page 4 of 5 Authenticated true copy O. P. Pokhriyal (ओ. पी. पोखररयाल) Dy. Registrar (उप पंजीयक) 011-26180514 Addresses of the parties:
1 The CPIO Uttar Pradesh Gramin Bank, Regional Office : Amethi, Plot No. 837, (Near Piyush Petrol Pump), PO - Gauriganj, Amethi, Uttar Pradesh - 227409 2 Dharmavati Page 5 of 5 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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