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    can customer of bank fetch information relating to his own account under RTI act


    can customer of bank can fetch information relating to his own account under RTI act



  2. #2
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    Default re: can customer of bank fetch information relating to his own account under RTI act


    Quote Originally Posted by LSYS2014 View Post
    can customer of bank can fetch information relating to his own account under RTI act
    Yes, if it is a Government Bank.

  3. #3
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    Debashis Nanda
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    Default re: can customer of bank fetch information relating to his own account under RTI act


    Dear LSYS2014,
    I like to tell you that any government undertaking , (Bank is a Government undertaking) has a PIO appointed under RTI Act,2005. This is also mentioned in the branch, if not mentioned also you can send your application directly through Speed Post or Registered post in the name of the PIO, C/o Banks's Name -- like SBI or Corporation Bank, Branch name -- Connaught Place Branch, New Delhi and wait for 30 days. By sitting at your home you can get the information. Please also enclose an IPO or eMoney Order or Bank Draft for Rs.10 in favour of Accounts Officer payable at the place of bank such as New Delhi.
    Hope you can do this right now today
    Yours Truly,
    Debashis

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    Default re: can customer of bank fetch information relating to his own account under RTI act



    thanks to u both..
    i have filed RTI to Bank,(SBI)
    1.To get the authorised letter of legal action taken by Bank against me against my account
    2.Authorised Letter from Bank to the Recovery agency to recover the loans from defaulters.
    3.List / Amount of NPA accounts till today
    CPIO has declined to furnish information u/s 8(1)d & u/s 8(e) & J
    need your valuable suggestions
    Last edited by LSYS2014; 02-28-2014 at 12:38 PM. Reason: correction

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    Default re: can customer of bank fetch information relating to his own account under RTI act


    Just stating sections and rejecting is not enough. CPIO has to provide reasons as to why that section is to be applied in this case.

    File first appeal stating that the matter is related to your account and therefore the grounds of rejection do not hold.

  6. #6
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    Default re: can customer of bank fetch information relating to his own account under RTI act


    The post you have filed is misleading. You can ask information pertaining to your account either from a Public or Private Sector Bank as a right. Even if RTI role is not there, Permanent lokadalat or Consumer Acts come into picture. But in private banks, you need not pay a fee .
    If you can establish larger public interest go for first appeal as a ritual only and never expect any positive response even after appeal before CIC.

    List of all NPA till to-day is not about your account. Try to get such list by filing to RBI.
    "Please provide list of NPA statement provided by..........branch of ..............Bank for FYE 31-03-13

    (The branch is right. Every NPA may not be a permanent defaulter and the accounts are only disclosed for provisioning purposes as per RBI directives and may also be of some other irregularities, and Bank should not disclose such statements to Public as it affects confidence of Public on that Bank. When applicant is himself a defaulter, he can not seek any information on larger public interest)

  7. #7
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    Raveena
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    Default re: can customer of bank fetch information relating to his own account under RTI act


    Did you mention in your RTI Request that you are seeking details of YOUR OWN account?

    File first appeal on following GROUNDS and if not satisfied with the reply of FAA, file Second appeal

    1.To get the authorised letter of legal action taken by Bank against me against my account
    2.Authorised Letter from Bank to the Recovery agency to recover the loans from defaulters.

    Both these items are not hit by exemptions under Section-8(1)(d), (e) and (j) since you sought information pertaining to your own account. PIO has sent you the decision mechanically without applilcation of mind. It is the duty of PIO to cogently arrive at a conclusion as to how the piece of information sought by you is hit by provisions of Sec-8(1)(d)(e)and (j). Mere quoting of a section in itself would not qualify the information for exemption.

    Initiating legal action agaisnt a defaulting borrower is not hit by commercial confidence or trade secret or intellectual property; information with respect to a bank account is kept in fiduciary capacity for your benefit and such a fiduciary relationship exists between the bank and you yourself (and none else) and hence the piece of information sought by you do not qualify for exemption under section-8(1)(e) also. The information sought by you is personal information pertaining to you yourslef and how can an individual invade to his own privacy - nothing but a wild and foolish imagination.

    Therefore, none of the exemption clauses apply to item no.(1) and (2) of information sought by you.

    3.List / Amount of NPA accounts till today

    This information is required to be reflected in balance sheet of the bank as also required to be presented before BoD and shareholders. Moreover, mere supply of amount (figure) of NPA cannot in any way hit any exemption clause as claimed by PIO. Therefore, it does not qualify for exemption under the clauses mentioned. You cannot get much advantage by obtaining this information. There cannot be equality for illegality.

    Please refer:

    HOW TO FILE FIRST APPEAL

    SECOND APPEAL GUIDE (Central)

    SECOND APPEAL FORMAT (Post#3)

    HOW TO FILE COMPLAINT U/S 18(1) by JPS50

    RTI TIME SCHEDULE
    Satyameva Jayate सत्यमेव जयते

  8. #8
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    Default re: can customer of bank fetch information relating to his own account under RTI act


    yes i have mentioned in RTI about my own account..



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