Sanjay Mathur vs State Bank Of India on 9 September, 2021

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Central Information Commission

Sanjay Mathur vs State Bank Of India on 9 September, 2021

1. The issues under consideration arising out of the second appeal dated 20.04.2019 include non-receipt of the following information raised by the appellant through his RTI application dated 13.12.2018 and first appeal dated 29.01.2019:-

(i) रजव बक ऑफ़ इ या के प रप मां क RBI/2007-08/119 DBOD. NO.

LEG.BC. 28/09.07.005/2007-08 िदनां क २२.०८.२०१७ के अनुसार 6ाथ8 को :यं के ऋण खाता सं?ा ####८१७२ के लोन अBीमDट की 6मािणत 6ित उपलG करावD I (copy of the loan agreement along with a copy each of all enclosures quoted in the loan with a copy each of all enclosures quoted in the loan Page 1 of 6 agreement to all the borrowers at the time of sanction/disbursement of loans.) I

(ii) 6ाथ8 को :यं के ऋण खाता सं?ा ####८१७२ के ऋण के :ीकृित प की छाया6ित/मूल 6ित उपलG करावD I

(iii) उb ऋण बाबत 6ाथ8/ऋणी से आिदनां क तक 6ाथ8/ऋणी को सूिचत िकये व सूिचत िकये िबना बक eारा िलये गये सभी 6कार के शु i/6भार (CHARGES)का mौरा दे वD I

(iv) उb ऋण :ीकृत होने पर 6ाथ8/ऋणी से ली गई mाज दर एवं ऋण पूण होने की अ विध िदनां क ०८ िसतsर, २०१६ तक बक eारा ऋण खाते मD समय-समय पर लागू की गई प रवितत mाज दर का िदनां क सिहत mौरा दे वD I

(v) State Bank of India की बिकंग काय6णाली मD ऋणी से TIR (Title Investigation Report) Charge िलये जाने का 6ावधान बताते yए TIR Charges से संबंिधत सभी िबzदु ओं का उ|ेख करते yए TIR Charges िलये जाने से संबंिधत िनयम का mौरा दे वD तथा इस बाबत रजव बक ऑफ़ इ या का कोई प रप /अ िधसूचना/आदे श आिद हो तो बतावD तथा उसकी 6मािणत छाया6ित दे वD I

(vi) 6ाथ8/ऋणी के ऋण खाता सं?ा ####८१७२ के िलये बक eारा Pre-sanction & Post-sanction Charges यथा Processing Fee, Advocate's fee for property search and title investigation report, Valuer's fee for valuation report, Stamp duty payable for Loan agreement & mortgage, Property insurance premium हे तु ली गयी रािश का िदनां क सिहत एनी िववरण का िनयमानुसार अ िभले ख मD उपलG सूचना का पूण mौरा दे वD I

(vii) 6ाथ8 का ऋण खाता सं?ा ####८१७२ पूण भुगतान कर िदनां क ०८.०९.२०१६ को बंद हो चुका हैI बक की RACPC शाखा भू-तल, मै िट„ ... मॉल, जवाहर नगर, से‡र-४, जयपुर eारा ऋणी को 6ेिषत प कमां क सं. Maint/Reco/2827 िदनां क ०७.०७.२०१५ Page 2 of 6 मD ऋणी eारा िकŒ की रािश िनयिमत नहीं जमा करवाये जाने का उ|ेख िकया गया है , कृपया बतावD िक 6ाथ8 के ऋण खाता सं?ा ####८१७२ के 6ारं भ से पूण भुगतान िदनां क ०८.०९.२०१६ तक 6ाथ8 eारा भुगतान नहीं की गयी िकŒ का िववरण दे वD I 6ाथ8 eारा ऋण अविध मD कभी कोई भी िकŒ अिनयिमत नहीं की है I एसी •थित मD 6ाथ8 को िदये गये इस 6कार के प का औिच• बतावD तथा इस बाबत यिद बक ने कोई 6भार/शुi काटा हो तो उसका िववरण दे वD I

(viii) 6ाथ8 का ऋण खाता सं?ा ####८१७२ पूण भुगतान कर िदनां क ०८.०९.२०१६ को बंद हो चूका है , अतः ऋण खाता पूण होने के उपरा' बक eारा ऋणी को िदये जाने वाले /लौटाये जाने वाले 6माण-प /द'ावेजों आिद की नाम सूिच व िदये जाने की 6ि या व अविध बतावD यथा Obtain a No. Objection Certificate (NOC), Retrieve Original Documents, Retrieve Security Cheques and Obtain an Encumbrance Certificate (EC).

(ix) रजव बक ऑफ़ इ या के प रप मां क RBI/2005-16/59 DBR No. Leg.BC.21/09.07.006/2015-16 िदनां क ०१.०७.२०१५ मD उ|े खत है िक " Banks will inform the customers in an appropriate manner recovery of service charges from the account or the transaction" तदोपरा' भी िदनां क ०८.०७.२०१५ को 6ाथ8 को िबना सूिचत िकये 6ाथ8 के ऋण खाता सं?ा ####८१७२ मD नाम (काटी गयी) की रािश ५७०/- (Debit Adjustment-late emi/inst charges) को (नाम काटी) िकये जाने का िववरण दे वD, जबिक 6ाथ8 की िकŒ 6•ेक माह की तरह िदनां क ०१.०७.२०१५ को हो गई थी, गलत काटे जाने की •थित मD कृपया 6ाथ8 के बचत खाता सं?ा ####२१५६ मD जमा करD I

(x) ˜े ट बक ऑफ़ इ या की वेबसाइट https://homeloans.sbi/products/view/regular-home-loan मD Interest Page 3 of 6 Rates & Fees टे ब के अ'गत Pre-sanction** मD उ|े खत Advocate's fee for property search and title investigation report एवंProperty insurance premium को फ़ीस/शुi के ›प मD िलये जाने का अिभले ख मD उपलG िववरणानुसार सूचनादे वD I

(xi) िदनां क २४.०३.२००९ को Debit Adjustment-PRO.CH.2008-19 on withdraw - /- 554.80 6िवž eारावसूले गये 6भार का6ाथ8 को िबनासूिचत िकये वसूले जाने का कारण Ÿž करD I

(xii) Home Cash (Add-on Loan) Loan िलये जाने पर बक eारािलये जाने वाले शुi कािववरण दे वD I

2. Succinctly facts of the case are that the appellant filed an application dated 13.12.2018 under the Right to Information Act, 2005 (RTI Act) before the Central Public Information Officer (CPIO), State Bank of India, Jaipur, seeking aforesaid information. The CPIO vide letter dated 08.01.2019 replied to the appellant. Dissatisfied with the same, the appellant filed first appeal dated 29.01.2019 The First Appellate Authority vide order dated 04.02.2019 disposed of the first appeal. Aggrieved by the same, the appellant filed a second appeal dated 20.04.2019 before the Commission which is under consideration.

3. The appellant has filed the instant appeal dated 20.04.2019 inter alia on the grounds that he had sought information regarding pre-sanction and post-sanction of loan fee and fee relating to Title Investigation Report (TIR), however, the information pertaining to point nos 3,5, and 6 of the RTI application was not provided by the respondent. 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 08.01.2019 provided point-wise information and the same reads as under:

(1) copy of the loan agreement in respect of point no. 1 was furnished; Page 4 of 6 (2) copy of sanction letter was furnished; (3) loan was sanctioned on 26.09.2006,

(i) the processing fees as on 26.09.2006 was Rs. 1,410/-

(ii)the schedule of fee/charges i.e. Rs. 120 as on 24.03.2009;

(iii)Rs. 120/- towards CIBIL charges as on 07.12.2010;

(iv)Rs. 243/- towards insurance;

(4) rates of interest and amount charged in tabular format; (5) TIR fees were not prescribed as per RBI guidelines; (6) pre-sanction and post-sanction charges, processing fees, advocate's fees, property insurance charges were provided and other charges for Memorandum of Term loan, Agreement for housing loan granted to public (Rs. 100/-), guarantee agreement (Rs.

100/-) & Housing Loan for Public letter of consent and Guarantee to Mortgage (Rs. 10/-) was informed;

(7) copy of the application may be provided by the appellant so that accurate information be furnished;

(8) No Objection Certificate was to be issued by RACPC-III branch, however, till the re-payment of housing loan the property papers would remain under their custody. (9) Rs. 570/- was refunded to loan account on 30.07.2015; (10) information was furnished on point nos 3,5 and 6 of the RTI application; (11) processing fee for sanction letter i.e. Rs. 554.80/- was debited from account on 14.08.2009 by the Jaipur Secretary Branch;

(12) the information sought was not clear and specific.

The FAA upheld the reply given by the CPIO.

5. Both parties remained absent.

6. The Commission after adverting to the facts and circumstances of the case, and perusal of records, observes that due reply was given by the CPIO on 08.01.2019. However, the perusal of the contents in the second appeal revealed that the appellant insisted upon information on point nos 3,5and 6 of the RTI application. In view of the above, the respondent is directed that the annexures/enclosures pertaining to point nos Page 5 of 6 3,5 and 6 of the RTI application be made available to the appellant within three weeks from the date of receipt of this order. With these directions and observations, the appeal is disposed of.

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

Sd/-

(Suresh Chandra) (सुरेश चं ा) ा) Information Commissioner (सूचना आयु ) दनांक/Date: 09.09.2021 Authenticated true copy R. Sitarama Murthy (आर. सीताराम मूत ) Dy. Registrar (उप पंजीयक) 011-26181927(०११-२६१८१९२७) Addresses of the parties:

CPIO : STATE BANK OF INDIA RETAIL ASSETS CENTRALIZED PROCESSING CENTRE, GROUND FLOOR, MATRIX MALL, NEAR LAL JAIN MANDIR, SEC. - 4, JAWAHAR NAGAR, JAIPUR, RAJASTHAN - 302 004 THE FIRST APPELLATE AURTHORITY, GENERAL MANAGER (NW1), STATE BANK OF INDIA, LOCAL HEAD OFFICE, C-

SCHEME, TILAK MARG, JAIPUR - 302 005 SH. SANJAY MATHUR Page 6 of 6

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