Amardeep Sain vs Bank Of Baroda on 15 December, 2020

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Central Information Commission

Amardeep Sain vs Bank Of Baroda on 15 December, 2020

1. The issues under consideration arising out of the second appeal dated 24.11.2018 include non-receipt of the following information raised by the appellant through his RTI application dated 21.06.2018 and first appeal dated 24.08.2018:

 ाथ अमरदीप सैन पु ी ओम काश सैन के होम लोन आवेदन (टै िकंग आईडी 0014430116 RL0780) को ीकार नहीं करने का ा कारण रहा! ाथ के आवेदन को Laps ID म ों डालागया (Laps ID 1328969)! मय द ावेज़ िल खत सूचना द! Page 1 of 4

2. Succinctly facts of the case are that the appellant filed an application dated 21.06.2018 under the Right to Information Act, 2005 (RTI Act) before the Central Public Information Officer (CPIO),Bank of Baroda, Kota, Rajasthan, seeking aforesaid information. The CPIO vide letter dated 11.07.2018 replied to the appellant. Dissatisfied with the response of CPIO, the appellant filed first appeal dated 24.08.2018. The First Appellate Authority(FAA)disposed of first appeal vide its order dated 27.09.2018.The CPIO, in compliance of the order of the FAA, addressed the appellant vide letter dated 05.10.2018. Aggrieved by this, the appellant filed a second appeal dated 24.11.2018 before this Commission which is under consideration.

3. The appellant has filed the instant appeal dated 24.11.2018 inter alia on the grounds that no information was provided even after directions of the FAA. The appellant requested the Commission to direct the CPIO to provide the complete information and impose penalty on the concerned CPIO @ 250/- as per Section 20 (1)& (2) of the RTI Act.

4. The CPIO vide letter dated 11.07.2018 replied that information sought did not fall within the definition of "information" as defined under section 2 (f) of the RTI Act. The FAA vide his order dated 27.09.2018 directed the CPIO to provide the reasons for rejection of the appellant's home loan as per the bank's record within 15 days. The CPIO vide letter dated 05.10.2018 replied that the appellant's home loan was rejected as he had already taken a loan from different bank which was NPA at that time. They further informed that appellant may obtain the relevant documents relating to rejection of his home loan application after submitting his ID.

5. The appellant and on behalf of the respondent Shri Amar Singhal, Regional Head and CPIO, Bank of Baroda, Kota, video conference.

5.1. The appellant inter alia submitted that he had applied for home loan which was denied by the respondent bank. Hence, he sought information regarding reasons for rejection of his loan. However, no satisfactory response was given by the respondent even after the directions of the FAA.

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5.2. The respondent while defending their case inter alia submitted that though the CPIO had denied the information stating that information sought by the appellant did not fall within the definition of "information" as defined under section 2 (f) of the RTI Act. However, subsequently in compliance of the FAA's order, the CPIO had provided reasons for rejecting the appellant's home loan application and requested him to approach the bank to procure the relevant documents regarding rejection of his loan as available in the concerned branch. They informed that they had sent the relevant documents to the appellant but he had refused to accept the same.

6. The Commission after adverting to the facts and circumstances of the case, hearing both parties and perusal of records, observes that the appellant sought information regarding reasons for rejection of his home loan application and the then CPIO in compliance of the FAA's order provided the information vide letter dated 05.10.2018. The appellant during the course of hearing failed to explain as to how the reply/information furnished by the respondent was not satisfactory. That being so and the due information having been provided by the respondent, there appears to be no pubic interest in further prolonging the matter. Accordingly, the appeal is dismissed.

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

(Suresh Chandra) (सुरेशचं ा) Information Commissioner (सूचनाआयु ) िदनां क/Date: 14.12.2020 Authenticated true copy R. Sitarama Murthy (आर. सीताराममूत ) Dy. Registrar (उपपंजीयक) 011-26181927(०११-२६१८१९२७) Page 3 of 4 Addresses of the parties:

CPIO :

1. BANK OF BARODA REGIONAL OFFICE, KOTA REGION, 1ST FLOOR, PUKHRAJ TOWER, STATION ROAD, KOTA - 324 002 THE F.A.A, BANK OF BARODA, ZONAL OFFICE, BARODA BHAWAN, PLOT NO. 13, AIRPORT PLAZA, DURGAPURA, TONK ROAD, JAIPUR - 302 018 AmardeepSain Page 4 of 4

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