Central Information Commission
Hans Raj Kakar vs Life Insurance Corporation Of India on 25 August, 2025
के ीय सूचना आयोग
Central Information Commission
बाबा गंगनाथ माग, मुिनरका
Baba Gangnath Marg, Munirka
नई िद ी, New Delhi - 110067
File No: CIC/LICOI/A/2024/109327
Hans Raj Kakar .....अपीलकता/Appellant
VERSUS
बनाम
PIO,
Life Insurance Corporation of
India CRM Department,
Divisional Office, 1st Floor,
Jeevan Prakash, Model Town
Road, Jalandhar - 144001 .... ितवादीगण /Respondent
Date of Hearing : 06.08.2025
Date of Decision : 22.08.2025
INFORMATION COMMISSIONER : Vinod Kumar Tiwari
Relevant facts emerging from appeal:
RTI application filed on : 06.10.2023
CPIO replied on : 01.11.2023
First appeal filed on : 01.12.2023
First Appellate Authority's order : 20.12.2023
2nd Appeal/Complaint dated : 16.03.2024
Information sought:
1. The Appellant filed an RTI application dated 06.10.2023 (offline) seeking the following information:
"1. Provide information regarding when the meetings were organized in branch office or hotel where agents were sitting, give their photographs and serial wise signature taken in the register. On the basis of that register, please give date wise detail how many meetings were organized and in which hotel, give photocopies of the record of that meetings for the last 14 year Page 1 of 8
2. What is present status of the DM Club Office Allowance bill, which the Applicant had sent to LIC Office by post on 23.01.2023, if the bill has been passed, then how much amount has been passed and how the amount has been paid.
3. If the bill has not passed, then the reason for not passing the bill should be given Till date I have not received any written reply and photocopies should be given.
4. Provide photocopies of the pages, which are reported by Branch Manager, B.O.Reply Malout in regard of office allowance bill sent by the applicant on 23.01.2023.
5. What is status of DM Club member of 2021-22 allotted to me on the basis of work, if the status has been changed then provide the copies of the same.
6. When the Branch Manager Sh.Basant Kumar and Sh.Bhupinder Kumar Asstt., Branch Manager visited the applicant's office, then about 10 photographs inside and outside were take by them, out of which three photographs of inside and three photographs of outside of the office should be supplied."
2. The CPIO furnished a point-wise reply to the Appellant on 01.11.2023 stating as under:
"Reply (to Query no. 1): You have sought voluminous and exhaustive information. The information sought above is not maintained separately as a Record in a compiled form, at a single point, as it is not mandated by any statutory requirement or by any law being in force and is not required for day- to-day working of the Branch Office of the respondent organization. This office of Public Authority will have to collect and collate the voluminous and exhaustive information sought, in the format as sought, for the period from 2013 to 2023, which would disproportionately divert the resources of the respondent organization, attracting Section 7(9) of the RTI Act, 2005. It is pertinent to mention here that under the provisions of the RTI Act, 2005, only such information as is available and existing and held by the office of Public Authority or is under the control of the Public Authority can be provided. Compiling the information sought for the sake of this RTI Application would amount to creation of a new record, which is not mandated under RTI Act, 2005. Hence, the information sought, as defined under Section 2(i) & 2(f) of the RTI Act, 2005 is not available.
Further, had the information been available in a compiled form, the information sought would have been exempt from disclosure under Section 8(1) (e) of the RTI Act, 2005 as the information sought is held in fiduciary Page 2 of 8 capacity by the concerned Branch of the respondent organization and under Section 8(1) (j) of RTI Act, 2005 as the information sought is personal information of third party (ie Agents).
Reply (to Query no. 2): You are hereby informed that Deemed CPIO has received the claim papers for reimbursement of Office Allowance for the Membership Year 2021-22 on 20.02.2023 through Branch Office, Malout. But you were not eligible for any monetary benefits for the Membership Year 2021-22 as the First Year Lapsation of the applicant was more than two Financial Years. We are supplying the photocopy of the Club Member Agents Roster for the Membership Year 2021-22, which contains 3 pages (Copies enclosed).
Reply (to Query no. 3): Provide photocopies of the pages, which are reported by Branch Manager, B.O. Malout in regard of office allowance bill sent by the applicant on 23.01.2023.
Reply (to Query no. 4): We are supplying you the copies of inspection report submitted by the Branch Manager, B.O. Malout in regard of office allowance bill sent by you on 23.01.2023, which contains 2 pages subject to severability Clause of Section 10 of RTI Act, 2005 (Copies enclosed).
Reply (to Query no. 5): In the Membership Year 2021-22, you are DM Club member with restricted monetary benefits, as the First Year Lapsation > 15% for two consecutive Financial Years in the Membership Year 2021-22. For the Membership Year 2022-23, you are not a member of any club due to first year lapsation > 15% for three consecutive Financial Years (Roster for Membership Year 2022-23 is enclosed). In the current Membership Year 2023-24, you are not a member of any club due to higher first year lapsation (i.e. First Year Lapsation is > 15% of two qualifying years). We are supplying the photocopies of Roaster for Membership Year 2022-23 & 2023-24 which contains 6 pages (Copies enclosed).
Reply (to Query No.6): We are supplying you photocopies of the three available photographs submitted by Branch Manager taken at the time of visit to your office, which contains 3 pages subject to severability Clause of Section 10 of RTI Act, 2005 (Copies enclosed).
As the requisition fee under R.T.I. Act, 2005 is Rs.10/- only, we are returning herewith IPO No.57H 325924 for Rs.100/- and your self-addressed stamped envelope is returned herewith."
3. Being dissatisfied, the appellant filed a First Appeal dated 01.12.2023. The FAA vide its order dated 20.12.2023, upheld the reply of CPIO.
Page 3 of 84. Feeling aggrieved and dissatisfied, appellant approached the Commission with the instant Second Appeal.
5. Proof of having served a copy of Second Appeal on Respondent while filing the same in CIC is not available on record.
Relevant Facts emerged during Hearing:
The following were present:-
Appellant: Present through VC.
Respondent: Shri Raman Kumar, CPIO-cum-Manager, attended the hearing through VC.
6. The Appellant stated that he is not satisfied with the reply provided by the Respondent qua the instant RTI Application.
7. The Respondent submitted that a suitable reply based on available records has been given to the Appellant vide letter dated 01.11.2023. He further reiterated the contents of his written submission.
8. A written submission has been received from Shri Love Kumar Chugh, FAA-cum-Marketing Manager, vide letter dated 31.07.2025, a copy of the same has been sent to the Appellant and the same has been taken on record. The relevant extract of the same is as under:
"SECOND APPEAL QUERY RAISED:
That the complete information was not supplied by CPIO & FAA sought by Appellant vide Application dated 06.10.2023.
SUBMISSION BEFORE HON'BLE CIC:
As per above mentioned facts its clear that the CPIO has provided point wise appropriate reply to the query raised by the complainant in the RTI and subsequent reply by First Appellate Authority in response to the first appeal. On receipt of 2nd Appeal, the CPIO has revisited the query raised by the appellant and to satisfy the appellant we are providing again the desired information as under:-
Query No.1 Provide information regarding when the meetings were organized in branch office or hotel where agents were sitting, give their photographs and serial wise signature taken in the register. On the basis of that register, please give date wise detail how many meetings were organized and in which hotel, give photocopies of the record of that meetings for the last 14 years. Reply: The appellant has sought voluminous and exhaustive information. The information sought above is not maintained separately as a Record in a compiled form, at a single point, as it is not mandated by any statutory Page 4 of 8 requirement or by any law being in force and is not required for day-to-day working of the Branch Office of the respondent organization. This office of Public Authority will have to collect and collate the voluminous and exhaustive information sought, in the format as sought, for the period from 2013 to 2023, which would disproportionately divert the resources of the respondent organization, attracting Section 7(9) of the RTI Act, 2005. It is pertinent to mention here that under the provisions of the RTI Act, 2005, only such information as is available and existing and held by the office of Public Authority or is under the control of the Public Authority can be provided. Compiling the information sought for the sake of this RTI Application would amount to creation of a new record, which is not mandated under RTI Act, 2005. Hence, the information sought, as defined under Section 2(i) & 2(f) of the RTI Act, 2005 is not available.
Further, had the information been available in a compiled form, the information sought would have been exempt from disclosure under Section 8(1) (e) of the RTI Act, 2005 as the information sought is held in fiduciary capacity by the concerned Branch of the respondent organization and under Section 8(1) (j) of RTI Act, 2005 as the information sought is personal information of third party (i.e. Agents).
Query No2 What is present status of the DM Club Office Allowance bill, which the applicant had sent to LIC Office by post on 23.01.2023, if the bill has been passed, then how much amount has been passed and how the amount has been paid.
Reply It is informed that Deemed CPIO has received the claim papers for reimbursement of Office Allowance for the Membership Year 2021-22 on 20.02.2023 through Branch Office, Malout. The appellant was not eligible for any monetary benefits for the Membership Year 2021-22 as the First Year Lapsation of the applicant was more than two Financial Years. The copies of of the Club Member Agents Roster for the Membership Year 2021-22, which contains 3 pages were already provided along with CPIO's reply.
Query No.3 If the bill has not passed, then the reason for not passing the bill should be given till date I have not received any written reply and photocopies should be given.
Reply It is informed that Deemed CPIO has informed the Branch Office, Malout the reason for not passing the bill, the copy of which was already provided along with CPIO's reply. (1 Page) Query No.4 Provide photocopies of the pages, which are reported by Branch Manager, B.O. Malout in regard of office allowance bill sent by the applicant on 23.01.2023.
Reply Page 5 of 8 The copies of inspection report submitted by the Branch Manager, B.O. Malout in regard of office allowance bill already sent to the appellant on 23.01.2023, which contains 2 pages subject to severability Clause of Section 10 of RTI Act, 2005.
Query No.5 What is status of DM Club member of 2021-22 allotted to me on the basis of work, if the status has been changed then provide the copies of the same. Reply In the Membership Year 2021-22, the appellant was a DM Club member with restricted monetary benefits, as the First Year Lapsation > 15% for two consecutive Financial Years in the Membership Year 2021-22. For the Membership Year 2022-23, the appellant is not a member of any club due to first year lapsation > 15% for three consecutive Financial Years (Roster for Membership Year 2022-23 is enclosed). In the current Membership Year 2023- 24, the appellant is not a member of any club due to higher first year lapsation (i.e. First Year Lapsation is 15% of two qualifying years). The Respondent Organization has already supplied the photocopies of Roaster for Membership Year 2022-23 & 2023-24, which contained 6 pages. Query No.6 When the Branch Manager Sh.Basant Kumar and Sh.Bhupinder Kumar Asstt. Branch Manager visited the applicant's office, then about 10 photographs inside and outside were take by them, out of which three photographs of inside and three photographs of outside of the office should be supplied. Reply The Respondent Organization have already supplied the photocopies of the three available photographs submitted by Branch Manager taken at the time of visit to the appellant's office, which contained 3 pages subject to severability Clause of Section 10 of RTI Act, 2005. Submission to Query No. 2,3,4,5 and 6.:-
Information already provided to the appellant which contain 3 pages in response to Query No.2, 1 page in response to Query no.3, 2 pages subject to severability Clause of Section 10 of RTI Act, 2005 in response to Query no.4, 6 pages in response to Query no.5 and 3 pages subject to severability Clause of Section 10 of RTI Act, 2005 in response to Query No 6. In respect of Query 5: The appellant has raised new query in second appeal, which is reproduced below:
"That the opposite parties supplied wrong information qua training of the applicant whereas the appealant attended the training on dt. 17.11.2022 to 18.11.2022 and a certificate was also issued regarding training vide certificate dt. 18.11.2022 copy of which is attached herewith as Annexure-"E".
On revisiting the RTI Application, CPIO' reply, First Appeal and Appellate Order, nothing is mentioned about training by the applicant and by the Respondent Organization The appellant is extending the scope of RTI Application at the second stage.
Page 6 of 8However keeping in view of the spirit of RTI Act, 2005 it is informed that the appellant's Training details are already updated in the training module. Finally, on perusal of the grounds of second Appeal, it is observed that the appellant has not brought any point for any valid reason. We humbly submit that complete and accurate information has been provided to the appellant as per available record. The CPIO & FAA has already provided all the information that is available in the record form on 01.11.2023 and 20.12.2023 respectively. In view of the above submission, we humbly request to Honorable Information Commissioner that the second appeal preferred by Sh.Hans Raj Kakkar may be dismissed summarily.
Copy of submission is forwarded to the applicant by Speed Post dated 31.07.2025."
Decision:
9. The Commission after adverting to the facts and circumstances of the case, hearing both the parties and perusal of the records, observes that the Respondent has provided a suitable reply to the Appellant based on available records and under the provisions of the RTI Act only such information as is available and in the form held by the Public Authority or is under control of the Public Authority can be provided. The CPIO is neither supposed to create information that is not a part of the record, nor is he required to interpret information nor provide clarification.
Therefore, no intervention of the Commission is required in the instant case for further adjudication.
The appeal is disposed of accordingly.
Vinod Kumar Tiwari (िवनोद कुमार ितवारी) Information Commissioner (सूचना आयु ) Authenticated true copy (अिभ मािणत स!ािपत ित) (S. Anantharaman) Dy. Registrar 011- 26181927 Date Page 7 of 8 Copy To:
The FAA Life Insurance Corporation of India CRM Department, Divisional Office, 1st Floor, Jeevan Prakash, Model Town Road, Jalandhar - 144001 Page 8 of 8 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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