Krishna vs Rural / Gramin Banks on 28 January, 2022

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Central Information Commission

Krishna vs Rural / Gramin Banks on 28 January, 2022

1. The issues under consideration arising out of the second appeal dated 09.08.2019 include non-receipt of the following information raised by the appellant through the RTI application dated 09.05.2019 and first appeal dated 09.07.2019:-

(i) बक ाराज नवरी 2013 से लेकर अ ैल 2014 तक कुल िकतने लोन पास ए? िकस िकस ीम के तहत िकन िकन लोगो के पास ए? और िकतनी रािश के पास ए है? उन सभी के नाम, पता तथा ीम बारे सूचना िल खत व स ािपत ित दी जाये!

(ii) माह जनवरी 2013 से लेकर अ ैल 2014 तक जो लोन पा रत ए ह उनम िकतने पये तक की छु ट स डी िकस योजना के तहत दी गई है? उन सभी की अलग अलग जानकारी िल खत व स ािपत दान कीजाये! Page 1 of 6

(iii) माह जनवरी 2013 से लेकर अ ैल 2014 तक उपरो बक ारा उ अविध म जो लोन पास िकये गए थे उनम से िकतने लोन यर हो चुके ह? तथा िकतने बकाया है? व िजन लोगो के बकाया है उनकी िकतनी रािश बकाया है? तथा बक ारा उनके खलाफ ा कायवाही की गयी? उसकी स ािपत कॉपी दान की जाये!

(iv) माह जनवरी 2017 से लेकर अ ैल 2019 तक कुल िकतने लोन पास ए? िकस िकस ीम के तहत िकन िकन लोगो के पास ए? और िकतनी रािश के पास ए है? उन सभी के नाम, पता तथा ीम के बारे म सूचना िल खत व स ािपत ित दी जावे!

(v) माह जनवरी 2017 से लेकर अ ैल 2019 बक ारा जो लोन िकसानो की जमीन पर उ िदया गया है उन िकसानो ारा िकतनी जमीन बक को िगरवी रखी गयी? उ इसकी एवज म िकतना लोन िदया गया है? िज लोन िदया गया है उनके नाम व रािश सिहत स ािपत ित दी जाये!

(vi) माह जनवरी 2017 से लेकर अ ैल 2019 उ बक ारा एक एकड़ भूिम पर िकसानो को बक की गाइडलाइन के अनु सार िकतना लोन िदया जाता है? उस गाइडलाइन/रे गुलेशन की स ािपत ित दी जाये!

(vii) माह जनवरी 2017 से लेकर अ ैल 2019 उपरो बक ारा शामलात की जमीन पर िकन िकन लोगो को लोन िदया गया है? उन सभी यों को िकतने पये का लोन िदया है? सभी के नाम व रािश सिहत स ािपत कॉपी दी जाये!

(viii) माह जनवरी 2013 से लेकर अ ैल 2019 तक उ बक ारा िकन िकन लोगो को दो या इससे ादा बार लोन िदया गया है? तथा िजन लोगो के डबल या इससे ादा लोन है उन लोन म से िकतनो ने यर करवाया है? तथा िकन के अभी तक िकतनी िकतनी रािश बकाया है? और कुल िकतना लोन िदया गया था सभी के ोरे सिहत अलग अलग िल खत व स ािपत ित दान की जाये!

(ix) उ बक ारा जब िकसी को लोन िदया जाता है तो जो शपथ प फाइल म लगवाये जाते ह वह शपथ प लोन धारक ारा खरीदा जाता है या बक के िकसी कमचारी ारा, इसकी भी स ािपत ित दी जाये! यिद बक के िकसी कमचारी/अ ारा िलया जाता है तो वह बक की िकस गाइडलाइन/ ल के तहत िलया जाता है उस Page 2 of 6 ल/गाइडलाइन की स ािपत ित दी जाये! अगर िकसी लोन म ऐसा िकया जाता है तो उस पर बक ारा कायवाही की जाती है या नहीं का भी िल खत म स ूण ौरा िदया जाये!

(x) अगर कोई लोन पास िकया जाता है तो उस लोन धारक के द ावेजों की जां च बक के िकन िकन अिधकारीयों के ारा की जाती है? का भी स ूण ौरा स ािपत करके िदया जाये!

(xi) अगर लोन पर कोई स डी सरकार ारा दी जाती है तो उसके िडफा रो ारा पूरा लोन जमा करवाते समय बक ारा कोई छु ट दी गयी है अथवा नहीं? अगर छु ट दी गयी है तो िकस ावधान के अंतगत दी गयी है यिद छु ट नहीं दी गयी है तो िकस ावधान के अंतगत छु ट नहीं दी गयी है? इसकी स ूण सूचना िल खत व स ािपत दान की जाये!

2. Succinctly facts of the case are that the appellant filed an application dated 09.05.2019 under the Right to Information Act, 2005 (RTI Act) before the Central Public Information Officer (CPIO), Sarva Haryana Gramin Bank, Panipat, seeking aforesaid information. The CPIO vide letter dated 06.06.2019 replied to the appellant. Dissatisfied with the same, the appellant filed first appeal dated 09.07.2019. The First Appellate Authority (FAA) vide order dated 11.07.2019 disposed of the first appeal. Aggrieved by the same, the appellant filed a second appeal dated 09.08.2019 before the Commission which is under consideration.

3. The appellant has filed the instant appeal dated 09.08.2019 inter alia on the grounds that reply given by the CPIO was not satisfactory. The appellant requested the Commission to direct the CPIO to provide the complete information and take necessary action as per Section 20 (1) of the RTI Act.

4. The CPIO replied vide letter dated 06.06.2019 and the same is reproduced as under:-

(i) "Total loan sanctioned by the branch during the period of January 2013 to April 2014 is 108, amounting of Rs 20299000/- under the schemes of KCC, agri implements, car loan, cash credit, dairy debt swap, shop and remaining details sought are the personal information related to third party and exempted from disclosure under Section 8 of RTI Act 2005.

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(ii) Subsidy have been provided by Haryana Schedule Caste Finance Development Corporation in 6 accounts for Rs. 55000/- and remaining details sought are the personal information related to third party and exempted from disclosure under Section 8 of RTI Act 2005.

(iii) Total number of loans that are closed during the period of January 2013 to April 2014 are 62, 46 accounts are running and Rs. 16249065/- is due against these accounts and other details sought are not covered under the 'definition' of information under Section 2 of RTI Act 2005.

(iv) The total number of loans that are sanctioned from the period of January 2017 to April 2019 are 374 amounting of Rs. 173756082/- under the scheme of KCC, combo, debt swap, car loan, house loan, OD housing, dairy, demand loan, cash credit, education, self employment, shop and remaining details sought are the personal information related to third party and exempted from disclosure under Section 8 of RTI Act, 2005.

(v) The information sought by you relates to third party which is held by the bank in fiduciary capacity and such is exempted from disclosure under the provisions of Section 8 of the RTI Act, 2005,

(vi) Loans are sanctioned as per scale of finance decided by the SLBC.

(vii) The information sought by you relates to third party which is held by the bank in fiduciary capacity and such is exempted from disclosure under the provisions of Section 8 fo the RTI Act, 2005.

(viii) Loan have been allowed in 68 accounts & 6 accounts have been closed and remaining details sought are the personal information related to third party and exempted from disclosure under Section 8 of RTI Act 2005.

(ix) In any loan if any affidavit is taken, that is taken by the applicant only.

(x) The loan application is processed and sanctioned by the field officer and branch manager.

(xi) The question is ambiguous and not clear."

The FAA vide order dated 11.07.2019 stated that the CPIO had already provided vide letter dated 06.06.2019 and also enclosed copy of the CPIO's reply.

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5. The appellant remained absent and on behalf of the respondent Shri R.P.Sharma, Regional Manager & CPIO, Sarva Haryana Gramin Bank, Panipat attended the hearing through video conference.

5.1. The respondent while defending their case inter alia submitted that general information i.e. total loan sanctioned by the respondent bank under different schemes, amount of subsidy provided by the bank, number of loan closed from January 2013 to April 2014 etc. However, details of beneficiaries, documents provided for obtaining such loans were denied on the ground of personal information of third party and claimed exemption under section 8 of the RTI Act.

6. The Commission after adverting to the facts and circumstances of the case, hearing the respondent and perusal of records, observed that due reply was given by the respondent vide letter dated 06.06.2019. The respondent had provided point wise information except third party information and the appellant in his second appeal failed to establish any larger public interest warranting disclosure of third party information. Moreover, the appellant neither filed any written objection nor presented himself before the Commission to controvert the averments made by the respondent and further agitate the matter. Hence, the submissions of the respondent were taken on record. The Commission further feels that there is no public interest in further prolonging the matter. Accordingly, the appeal is dismissed.

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

Sd/-

(Suresh Chandra) (सुरेशचं ा) Information Commissioner (सूचनाआयु ) दनांक/Date: 28.01.2022 Authenticated true copy R. Sitarama Murthy (आर. सीताराममूत ) Dy. Registrar (उपपंजीयक) 011-26181927(०११-२६१८१९२७) Page 5 of 6 Addresses of the parties:

CPIO : SARVA HARYANA GRAMIN BANK, R O RANIPAT, SANAULI ROAD, PANIPAT, HARYANA-132103.

FIRST APPELLATE AUTHORITY, SARVA HARYANA GRAMIN BANK, SECTION AND AUDIT DIVISION, HEAD OFFICE PLOT NO-1, SECTOR-3, ROHTAK, HARYANA- 124001.

SHRI KRISHNA Page 6 of 6

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