Central Information Commission
Mr.Meenu Jain vs Indian Bank on 10 October, 2011
CENTRAL INFORMATION COMMISSION
Club Building (Near Post Office)
Old JNU Campus, New Delhi - 110067
Tel: +91-11-26161796
Decision No. CIC/SM/A/2011/001297/SG/15105
Appeal No. CIC/SM/A/2011/001297/SG
Relevant facts emerging from the Appeal:
Appellant : Mrs. Meenu Jain w/o Sunil
Jain
G-39, Reserve bank Senior
Officers flats, Near HL
Commerce College,
Navrangpura, Ahmedabad
Gujarat 380009
Respondent : Mr. T. Chanderashekharan
PIO & AGM
Indian Bank, Head office,
66, Rajaji Salai
Chennai - 600001
RTI application filed on : 14/09/2010
PIO replied : 15/11/2010
First Appeal filed on : 08/12/2010
First Appellate Authority order : 11/01/2011
Second Appeal filed on : 28/04/2011
Q. No Query Reply by PIO
A-1 Whether KVP No. 02CS 510912 Yes
dated 28/10/2002 & 02CD 510956
dated 29/10/2002 were kept with the
bank as security against for O/D/A/c
No. 729628642?
A-2 What was the maturity date of these The Due date of these KVPs was
KVPs? 29/06/2010.
A-3 When was the maturity proceeds of Maturity proceeds of these KVPs
these KVP's were credited to the OD were credited to the OD A/c
A/c of the applicant? 729628642 on 27/07/2010.
A-4 How many days should the The collection of maturity process
collection of maturity proceeds of of KVP/NSCs takes 07-10 days in
KVPs/NSCs should take in normal normal circumstances.
circumstances?
A-5 How many days the collection of The collection of proceeds of the
proceeds of the above KVPs actually above KVPs actually took 28 days
too, from the maturity date? from the maturity date
A-6 How many days before/after the due On or after the due date of the KVPs
date of the KVPs are generally sent are sent for collection of the
for collection of the maturity maturity proceeds.
proceeds?
A-7 How many days after/before the due 16 days after the due date of the
date of the KVPs actually sent for KVPs were actually sent for
collection of the maturity proceeds? collection.
A-8 Whether the KVPs were returned by No
the post office for deficiency of seal
of the Bank, Signature of the banks
official's inchoate/incomplete claims
documents or noncompliance of any
other formality. If yes, Please
furnish details.
A-9 Whether the maturity proceeds of The maturity proceeds of the above
the above cited KVPs were parked cited KVPs were parked in FD/RIP.
in FD/RIP. If yes, Please furnish the
date of doing so.
A-10 Whether before parking the funds as Since the KVPs were given as
(9) above, prior consent of the security OD prior consent of the
account holders for doing, was account holder was not obtained.
taken? If yes, Please provide
documentary evidences.
A-11 Whether after parking the funds as Yes. The a/c holders were informed
(9) above, the account holders were over phone.
informed about it. If yes, Please
provide documentary evidences.
A-12 Whether a/c holders requested to Yes
reverse the unilateral decision of the
bank to park funds into FD/RIP as
mentioned at (9) above.
A-13 When these funds were actually The Proceeds were reversed from
reversed from FD/RIP a/c to O/D FD/RIP on 27/07/2010.
A/c for use of the account holders?
A-14 Name and Designation of the Mr. Ramesh Babu, Loan Manager.
officers responsible for dispatch of
the KVPs for realization.
A-15 Name and designation of the Mr. Ramesh Babu, Loan Manager.
officers, responsible for deficiencies
in lodging he KVPs for realization
of the maturity proceeds of the
KVPS.
A-16 Name and designation of the offices There is no unauthorized parking
responsible for unauthorized parking proceeds of KVP. The proceeds of
of funds FD/RIP despite account KVPs were placed in FD's as
holders frequent queries and security to the OD limit.
eagerness to use the funds.
A-17 Whether at any time any of the No
account holder of OD a/c No.
729628642, reminded for collection
of the maturity proceeds of the
above KVPs to the bank, through
telephonic calls/letters/ e-mails,
from the branch level to the head
office level, if Yes, Please furnish
details.
A-18 As per relevant Rules and No action is warranted against the
Regulation, what action should be officials as the proceeds were placed
taken against the officers mentioned in FDs as security to the OD limit.
at query 14, 15 & 16 and for
incurring financial loss of The Borrower can approach Branch
opportunities to the applicant? manager for any of his grievance.
A-19 What action the bank has taken/ Nil.
proposes to take/taken against the Please refer reply to query No. 18
officers, mentioned at query 14, 15
& 16 and for incurring financial loss
and loss of opportunities to the
applicant?
A-20 The name, Designation of the The Branch Manager, Mr. Suresh
officers who were responsible to Tidnani.
supervise the officers listed at query
14, 15 and 16 above.
A-21 As per relevant Rules and Please refer to query no 18.
Regulation what accountability if the
officers listed at query 20 above and
the Regional Manager, General
Manager concerned, has been fixed
will be fixed, for lack of supervision
and control in the matter?
A-22. What maximum compensation can The customer will be compensated
be given for each of the deficiency/ as per Banks Compensation policy
inefficiency carelessness of Indian if there is any loss
Banks officials mentioned at query
14, 15 and 16 above loss of
opportunities to the applicant, as per
relevant Rules and Regulation?
A-23 What compensation the bank has Please Contact the Brank Manager
given to the applicant/ propose to and the Circle Head, New Delhi for
give for the each of deficiency/ redressal of grievance.
inefficiency of Indian Bank officials
listed at query 14, 15 and 16 above
and for loss of opportunities to the
applicant?
A-24 What steps the bank has taken/ Branch has been advised to maintain
propose to take to avoid the proper follow up in maintaining the
recurrence of such delay deficiency/ records of collection of such
inefficiency/ carelessness of Indian instruments.
Bank officials, in future.
B Whether at any time when any of the Opinion query for which the PIO is
account holder of OD a/c No. not expected to provide reply.
729628642 reminded in advance for
collection of the maturity proceeds o
any KVPs to Sh. Belam Balaji, the
officer in the Branch, He rudely
rudely replied to the account holder
not to disturb him by reminding and
let him do his work.
C When does the Bank Propose to KVP No. Date of Credit in OD A/c
lodge KVP No. 07CD 219514, 07CD 219514 ---- 01-11-2011
219529, dt. 1/02/03 (maturity date 07CD 219529 ---- 01-11-2011
01/10/10), 07 CD 330333 dt. 07CD 329847 ---- 01-11-2011
20/02/03 (maturity dt. 20/10/10), 07CD 330333 ---- 11-11-2010
kept as security against the limit
provided in OD a/c 729628642, for
collection of the maturity proceeds
to the post office concerned.
D What is the rate of interest, presently The Rate of interest s 12.75%. the
applicable to OD a/c 729628642? Procedure of switching over to the
Whether rate of interest is on the basis of the Base Rate is at the
basis of "Base Rate", If not then request of the borrower or at the
what is the procedure of switching time f subsequent renewal of the
over it to base on the base rate? limit.
E Whether ASBA facility for appluing ASBA facility for applying to IPO
to IPOs of the companies is of the Companies is presently not
available in overdraft account. available in overdraft accounts.
F Please provide all the desired No Information Sought
information preferably at the address
of the applicant given at the top of
this application.
G Please provide name, designation, FAA Address,
email ID, Telephone No., Mobile Shri V Rama Gopal,
No, Fax No. and postal address of Esecutive Director, Head Office,
the Appellate Authority, under RTI Indian Bank, 66 Rajaji Salai,
ACT 2005. Chennai 600001
Phone No. 044-25225432
Fax: 044 25244654
Email: [email protected]
H If the information does not pertain to No Information Sought..
your office/Department/Section,
Kindly forward my application to
the office/ Department/ Section
concerned under advice to the
applicant.
Grounds for the First Appeal:
Information given by PIO was wrong and incomplete.
Order of the First Appellate Authority (FAA):
FAA rejected the appeal of the Appellant.
Ground of the Second Appeal:
Appellant is not satisfied with the information provided by the PIO.
Information soughtat query A6 was not provided in the format of 'number of days'.
Information provided to query A8, A11, A17, A18, A19, A21, A22, A23, B, C, was either wrong or incomplete.
Relevant Facts emerging during Hearing:
The following were present Appellant : Absent;
Respondent : Mr. T. Chanderashekharan, PIO & AGM on video conference from NIC- Chennai Studio;
The respondent states that he has provided most of the information but the Commission now directs him to provide the information on query-A6 & C. Decision:
The Appeal is allowed.
The PIO is directed to provide the information as directed above to the Appellant before A6 & C before 30 October 2011.
This decision is announced in open chamber. Notice of this decision be given free of cost to the parties. Any information in compliance with this Order will be provided free of cost as per Section 7(6) of RTI Act.
Shailesh Gandhi Information Commissioner 10 October 2011 (In any correspondence on this decision, mention the complete decision number.) (ved)