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1. The Complainant filed an RTI application dated 16.06.2023 seeking information on the following points:

a) Loan Account No. *******6912 and No. *******1155 maintained at RACPC.
b) RTI Order dt. 04.11.2022 No. RACPC-5/2022-23/135
c) Notice u/s 13(2) of SARFAESI Act No. RACPC-5/2022-23/F-22-23/12/693 11.12.2022 served on Applicant by Authorized Officer and Chief Manager dt.

(Maintenance).

d) Item (ii) in Letter RACPC-6/2022-23/200 dt. 9th February, 2023 under signature of Assistant General Manager (as also the CPIO) pursuant to SARFAESI Notice served.

e) Representation hearing against SARFAESI Notice. dt. 14th February, 2023 to RACPC by Applicant for personal

f) Email dt. 19.02.2023 with Representation dt. 18.02.2023 against SARFAESI Notice Item Nos in the RTI Order as per (b) above

g) (i) Item (a) Documents executed. (ii) item (c) Revision in terms of sanction of Home Loans after 31.08.2010. (iii) item (h) Approved definition of "Regeneration of EMI™ terminology in the Bank.

h) Email dt. 05.09.2022 from RACPC about threatened SARFAESI Action.

i) Letter No. RACPC-5/MAINT/2021-22 56 dt. 21st September, 2021 Details of the security documents executed.

Inspection of Documents / records - Applicant prays for inspection of documents / records associated with present RTI Applicant per sub section (4) and (5) of Section (7) of RTI Act. Applicant prays liberty to submit further list of documents as well thereafter.

Please provide relevant documents / instructions in support of the information provided.

a) Item Nos. (a), (b), (c) and (h) of RTI order dt. 04.11.2022 read with RBI IRAC Norms in force at the material time together with Bank's instructions under which Loan Account No. xxxxxx46912 of Applicant was identified as continuously irregular leading to its identification as NPA on 06.09.2022.

30.01.2022 to Regenerate EMI on Loan Accounts of Applicant were contested, disputed and challenged continuously prior and after 06.09.2022 to RACPC and Bank's higher authorities.

Provide RBI / Bank's instructions where under Chief Manager (Maintenance) whose decisions in the areas of "Regeneration of EMIs on Home Loans" were under cloud and dispute was authorized to serve notice on Applicant as the designated "Authorized Officer" under the SARFAESI Act.