Central Information Commission
D Ramamoorthi vs Bank Of Baroda on 25 August, 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/BKOBD/A/2024/132921
D Ramamoorthi ... अपीलकता/Appellant
VERSUS
बनाम
CPIO: Bank of Baroda,
Chennai ... ितवादीगण/Respondents
Relevant dates emerging from the appeal:
RTI : 09.05.2024 FA : 13.05.2024 SA : 09.10.2024
CPIO : 13.06.2024 FAO : Not on record Hearing : 05.08.2025
Date of Decision: 25.08.2025
CORAM:
Hon'ble Commissioner
_ANANDI RAMALINGAM
ORDER
1. The Appellant filed an RTI application dated 09.05.2024 seeking information on the following points:
Kindly refer my application dated 20.04.2023 and 30.10.2023 thereby requesting to pay the amount of Rs.5.25,000/- with 9% interest to comply with order dated 09.03.2023 in complaint case number RBT/CC/129/2022 as District Consumer Disputes Redressal Commission directed the opposite parties 1,2,4 namely 1.
Deputy Regional Manager, Bank of Baroda. Chennai Metro Region, No 90, C.P Ramaswamy Road, 2nd Floor, Alwarpet, Chennai-600018, 2. The officer in- Charge of Chennai Area, BOBCARD Limited, Y224, 6 Main Road, Anna Nagar, Chennai-600040, 4. The Managing Director, BOBCARD Limited/BOB Financial Page 1 of 6 solutions Limited. Behind Dewan Shopping Centre, S.V.Road, Jogeshwari (West), Mumbai -400102 to pay sum of Rs 5.25,000/- to the complainant within two months from the date of this order, failing which the complainant is entitled to recover the above amount Of Rs.5,25,000/- with 9% interest from the date of this order till the date of realization. The copy of the applications sent to the opposite parties 1.2.4 as mentioned above by the registered post on 20.04.2023, 30.10.2023 and the court order dated 09.03.2023 are enclosed for your kind perusal and record of reference along with Central Information Commission facilitation Memo and RTI pleas in this regards.
I have not received the sum of Rs.5,25,000/- as directed by the District Consumer Disputes Redressal Commission order dated 09.03.2023 till date Therefore requesting you to do needful to deposit the sum of Rs.5,25,000/- with 9% interest from 09.03.2023 till the date of realization as per the order dated 09.03.2023 to my account as mentioned below. Complainant's Bank Account details to pay the amount as mentioned in the order.
Name: D.Ramamoorthi Saving account Number *******7079 Name of the Bank Canara Bank, Besant Nagar, Chennai-600090 IFSC Code CNRB0001280.......
1. Kindly provide the status of my applications dated 20.04 2023 and 30.10.2023 (copies enclosed) sent by registered post to the 1. The Deputy Regional Manager, Bank of Baroda, Chennai Metro Region, No.90. C.P. Ramaswamy Road, 2nd Floor, Alwarpet, Chennai- 600018, 2 The officer in-Charge of Chennai Area, BOBCARD Limited, Y224, 6 Main Road, Anna Nagar, Chennai- 600040, 4. The Managing Director, BOBCARD Limited/BOB Financial solutions Limited. Behind Dewan Shopping Centre, SV Road, Jogeshwari(West), Mumbai -400102/ BOB Financial solutions Limited 15 Page 2 of 6 floor, 1502/1503/1504 DLH Park. SV Road, Goregoan (west). Mumbai 400 104 under Right to Information Act 2005 by written reply pertains to the compliance of the order of District Consumer Disputes Redressal Commission, No 34. Main road, Pudupalayam, Cuddalore 607 001, as the commission directed the opposite parties 1,2,4 namely 1. The Deputy Regional Manager, Bank of Baroda, Chennai Metro Region, No.90. C.P.Ramaswamy Road, 2 deg Floor, Alwarpet, Chennai- 600018, 2. The officer in-Charge of Chennai Area, BOBCARD Limited, Y224, 6 Main Road, Anna Nagar, Cherinai-600040, 4. The Managing Director, BOBCARD Limited/BOB Financial solutions Limited, Behind Dewan Shopping Centre, S.V.Road, Jogeshwari (West), Mumbai - 400102/ BOB Financial solutions Limited, 15 floor, 1502/1503/1504, DLH Park, SV Road, Goregoan (west), Mumbai-400 104 10 pay sum of Rs.5.25,000/- to the complainant within two months from the date of this order, for compensation for deficiency in service, pain, mental agony and suffering, unfair trade practice committed by the bankers, to remove fraudulent transactions from complainant's credit card account, to remove the complainant from the list of wilful defaulter from the data base of the cibil report, failing which the complainant is entitled to recover the above amount Of Rs.5,25,000/- with 9% interest from the date of this order till the date of realization
2. Kindly provide the information under RTI Act, 2005 whether the 1. The Deputy Regional Manager, Bank of Baroda, Chennai Metro Region, No 90. C.P Ramaswamy Road, 2 ^ prime prime Floor, Alwarpet, Chennai- 600018, 2. The officer in-Charge of Chennai Area, BOBCARD Limited, Y224, 6 deg Main Road, Anna Nagar, Chennai-600040, 4. The Managing Director, BOBCARD Limited/BOB Financial solutions Limited, Behind Dewan Shopping Centre, S.V.Road. Jogeshwari(West), Mumbai -400102/ BOB Financial solutions Page 3 of 6 Limited, 15 deg floor, 1502/1503/1504 DLH Park. SV. Road, Goregoan (west), Mumbai-400 104 had deposited the amount of Rs.5.25,000/-with 9% interest as per the order dated 09 03 2023 to the complainants bank account as mentioned in the complainant's applications dated 20.04.2023 and 30.10.2023 along with details like the name of bank through which the amount deposited and date of deposit of the money, otherwise provide information with reason if any find fit on this same at the earliest in the interest of Natural justice.
3. Kindly provide the information under RTI Act.2005 whether the 1. The Deputy Regional Manager, Bank of Baroda, Chennai Metro Region, No 90, C.P Ramaswamy Road, 2nd Floor, Alwarpet, Chennai- 600018, 2. The officer in- Charge of Chennai Area, BOBCARD Limited, Y224, 6 Main Road, Anna Nagar, Chennai-600040, 4. The Managing Director, BOBCARD Limited/BOB Financial solutions Limited. Behind Dewan Shopping Centre, S.V.Road, Jogeshwari (West), Mumbai 400102/BOB Financial solutions Limited, 15 deg floor, 1502/1503/1504,DLH Park, S.V.Road, Goregoan (west), Mumbai 400 104 had removed the fraudulent transactions from the complainant's credit card account, to remove the complainant from the list of willful defaulter from the data base of the cibil report as per the order dated 09.03.2023 along with the copy of the letter written by the banker to cibil, Mumbai to remove the fraudulent transactions from the complainant's credit card account, to remove the complainant from the list of wilful defaulter from the data base of the cibil report may please be provided to the complainant at the earliest as per the commission's order
2. The CPIO replied vide letter dated 13.06.2024 and the same is reproduced as under :-
Page 4 of 6"Regarding Point No. 1 & 2: We have obtained the certified copy of the order dated 09.03.2023 and we are challenging the same.
Regarding Point No. 3: We would like restate our reply dated 26.03.2024 that matter pertains to BOB Card Ltd/BOB Financial Solutions Limited."
3. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 13.05.2024 alleging that the information provided was incomplete, false and misleading. FAA's order, if any, is not available on record.
4. Aggrieved with the non -receipt of the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 09.10.2024.
5. The appellant and on behalf of the respondent R. Sureshwaran, CPIO & DGM, attended the hearing through video conference.
6. The appellant inter alia submitted that the respondent had not given the information sought in point no. 3 of the RTI, so far. Besides, he had also filed an RTI application with Bobcards Limited/BOB Financial Solutions Limited, however, had not received any response from them.
7. The respondent while defending their case inter alia submitted that Bobcard is a separate legal entity and is entirely functioning on their own. The CPIO further stated that the entity being a public authority, the appellant could have directly approached Bobcard for the requisite information. The appellant had expressed a grievance relating to his CIBIL report and the complaint filed regarding the said issue before Banking Ombudsman had been resolved.
8. The Commission after adverting to the facts and circumstances of the case, hearing both parties and perusal of records, observes that the respondent had given appropriate response to points no. 1 and 2 of the RTI Application. However, the CPIO replied that the information sought in point no. 3 of the RTI application pertained to Bobcard which is a separate public authority. However, the website of Bobcard does not reflect any weblink or icon for RTI compliance, as submitted by the CPIO. In view of the above, the Page 5 of 6 respondent is directed to obtain the information on point no. 3 of the RTI application from the concerned custodian i.e. Bobcard and provide revised reply/information in accordance with the response received thereof, within 15 days from the date of receipt of this order, under due intimation to the Commission. Accordingly, the appeal is disposed of.
Copy of the decision be provided free of cost to the parties.
Sd/-
(Anandi Ramalingam) (आनंदी रामिलंगम) Information Commissioner (सूचना आयु ) िदनांक/Date: 25.08.2025 Authenticated true copy O. P. Pokhriyal (ओ. पी. पोख रयाल) Dy. Registrar (उप पंजीयक) 011-26180514 Addresses of the parties:
1 The CPIO Bank of Baroda, Regional Office, Chennai Metro Region-1, 10, C.P Ramaswamy Road, 2nd Floor, Alwarpet, Chennai - 600018 2 D Ramamoorthi Page 6 of 6 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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