Need help in rti application

[foru]

SIR I NEED TO THIS RTI APPLICATION TO MANY BANKS.PLEASE CHECK AND LET ME KNOW THIS IS RIGHT FORMAT AND HOW I CAN I MAKE MORE EFFECTIVE THIS RTI APPLICATION.ANY EDIT I NEED TO DO.

*************************************************

With Rged with AD. 10 RS. STAMP

To,
The Public Information Officer
BANK NAME
ADD.
Sub: - Information on Loan Products and Disbursement procedure of loan products under Right to Information ACT 2005.
Dear Sir/Madam,
The applicant is a citizen of India. Kindly provide me the requested information under Right to Information ACT 2005.
1) Information REGARDINGcriteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.)
2) Information REGARDINGdocuments being collected to prove the eligibility for the same.
3) Information REGARDINGthe steps/procedure to check the authenticity of the individual and the documents provided.
4) Information REGARDINGtime (max and min) to take decision (approve/decline) the application?
5) Information REGARDINGbasis of declining or approving an Application and does the reason for declining is being made available to the applicant.
6) Information REGARDINGKYC norms and how they are followed are they applicable to specific Loan Products or to each and every one.
Kindly note that I am not seeking personal information which would compromise the privacy of any individual OR which would affect your competitive position.

To the best of my knowledge the information sought does not fall within the restrictions contained in Section 8 and 9 of the Act and it pertains to your office.
Thanks to please provide me this information as it will be very useful to understand the Banking fraternity and loan products of bank.
Thanks and Regards

NAME
ADD

[DineshK]

Welcome to RTI forum Abhi. This is of course a good format. But I suggest to begin your question with "Please provide me" or "Please intimate me" etc.. for example for question 1.

1) Please let me know the criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.)

That will make your application more impressive and polite.

[karira]

Abhi,

Your RTI applications have to be as per the RTI Rules for the centre.
These are available in the guide section of this forum.
(Mentioning this since your application mentions something about a Registered AD 10 Rs. stamp).

You can also ask for certified copies of Rules and Regulations, Circulars, Notices, etc, where applicable in each of your queries.

[jps50]

Pl apply to nationalised banks only. For private banks U will have to route through RBI. U should pay filing fee of Rs.10/- by postal order in favour of the bank and payable at the place where application is filed. Better send to CPIO at H.O. of banks. Pl visit ALL ABOUT RTI icon on home page and GUIDE section on top of this page.

[foru]

sir i need to send this rti to all private banks....can u tell me how can i do this.if through rbi what is the format and way.



thanks

[DineshK]

Please visit this link for submitting RTI application at RBI.

[foru]

still confused,bro some friend in this blog say i can't ask info under rti act from private banks(i.e. icici,hdfc,citi,abn...etc.).

1.so what is the way?i can ask info.
2. can u provide me a sample for that.
3.if i need to apply through rbi....i need to addressed whom....rbi or bank?
4. can i pay fee as stamp of rs 10 in this case.
5.if i need to pay for certified copy how can i pay for that.

[jiwateshwar]

Im not so sure about the application being routed through RBI thing.Private banks as far as I know, are not covered under RTI Act. Furthermore, I think one does not need to ask for this information from private banks through RTI Act. You just forward them an application seeking the above information and most of them would be happy to comply with your request for information.

As far as my understanding of RTIA goes, the RBI can only reveal information to you which does not fall in ss8 or 9 and is accessible to RBI under any prevalent law of the land. Thus it would be better if you were to include the details of the law under which RBI has access to this information regarding private banks. This could be law/rule/policy what ever. You will have to cite it. But in anycase i dont see you getting this information without a first appeal atleast.
Better for you to stick to the first option and forward a simple and polite request for information directly to the private banks.

[jiwateshwar]

If you stick to your option of filing an RTI application, then include this question in the end

Q: Information accessible to any government official regarding private bodies under any prevalent law of the land and not revealed in confidence, falls under the purview of RTI Act 2005 and can not be refused to the applicant. Kindly let me know as to which laws/rules/policies/guidelines give you access to the above information regarding private banks.

Interestingly, in one of the decisions (couldn't locate the link) the applicant had sought information in to the workings of a private school. The information was denied as the school was outside the purview of RTIA2005. However, the CIC in the second appeal ruled that the information has to be provided. How? Well a government officer was member of the board of the school. The requested information though not revealed to the government, was accessible to the Govt. Officer in personal capacity. Thus he was instructed to provide the same. Interesting indeed.

[foru]

Sir i upload my rti application edited see... And tell me this is working or need some more editing.can i send this to RBI or direct bank

[jiwateshwar]

Dude, a humble request! Please put the file up in simple text format or as pdf file. You see, not all of us use Microsoft Word (especially 2007).

[foru]

sir please review
10 rs. stamp


To,
The Central Public Information Officer
bank name
C/o RBI
Shri V.S.Das
Executive Director
Reserve Bank of India
Central Office Building
17th Floor
Shahid Bhagat Singh Road
Mumbai – 400 001

Sub: - Information on Loan Products and Disbursement procedure of loan products OF HDFC BANK under Right to Information ACT 2005.
Dear Sir/Madam,
The applicant is a citizen of India. Kindly provide me the requested information under Right to Information ACT 2005.

1) Please provide me Information REGARDING criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.)

2) Please provide me Information REGARDING documents being collected to prove the eligibility for the same.


3) Please provide me Information REGARDING the steps/procedure to check the authenticity of the individual and the documents provided.

4) Please provide me Information REGARDING time (max and min) to take decision (approve/decline) the application?

5) Please provide me Information REGARDING basis of declining or approving an Application and does the reason for declining is being made available to the applicant.

6) Please provide me Information REGARDING KYC norms and how they are followed are they applicable to specific Loan Products or to each and every one.


Please provide me certified copies of Rules and Regulations, Circulars, Notices, etc, where applicable in each of my queries.
Kindly note that I am not seeking personal information which would compromise the privacy of any individual OR which would affect your competitive position. I have paid the requisite fees as per the act and you are ready to bear the necessary expenses such as photocopying etc. that are going to be incurred for supply of information.

To the best of my knowledge the information sought does not fall within the restrictions contained in Section 8 and 9 of the Act and it pertains to your office.
Thanks to please provide me this information as it will be very useful to understand the Banking fraternity and loan products of bank.

Thanks and Regards

name and add..

[jiwateshwar]

Give an overall heading which reads "APPLICATION UNDER RIGHT TO INFORMATION ACT 2005"

and change the subject so as it reads "INFORMATION UNDER RIGHT TO INFORMATION ACT 2005"

List the banks you want information about in the body of the letter

[foru]

sir please review,sir it need to send to RBI or direct hdfc bank.can bank or RBI can give this kind of details.

10 rs. stamp

APPLICATION UNDER RIGHT TO INFORMATION ACT 2005

To,
The Central Public Information Officer
bank name
C/o RBI
Shri V.S.Das
Executive Director
Reserve Bank of India
Central Office Building
17th Floor
Shahid Bhagat Singh Road
Mumbai – 400 001

Sub: - Information under Right to Information ACT 2005 on Loan Products and Disbursement procedure of loan products OF HDFC BANK .
Dear Sir/Madam,
The applicant is a citizen of India. Kindly provide me the requested information under Right to Information ACT 2005.

1)Please provide me Information REGARDING criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.)

2) Please provide me Information REGARDING documents being collected to prove the eligibility for the same.


3) Please provide me Information REGARDING the steps/procedure to check the authenticity of the individual and the documents provided.

4) Please provide me Information REGARDING time (max and min) to take decision (approve/decline) the application?

5) Please provide me Information REGARDING basis of declining or approving an Application and does the reason for declining is being made available to the applicant.

6) Please provide me Information REGARDING KYC norms and how they are followed are they applicable to specific Loan Products or to each and every one.


Please provide me certified copies of Rules and Regulations, Circulars, Notices, etc, where applicable in each of my queries.
Kindly note that I am not seeking personal information which would compromise the privacy of any individual OR which would affect your competitive position. I have paid the requisite fees as per the act and you are ready to bear the necessary expenses such as photocopying etc. that are going to be incurred for supply of information.

To the best of my knowledge the information sought does not fall within the restrictions contained in Section 8 and 9 of the Act and it pertains to your office.
Thanks to please provide me this information as it will be very useful to understand the Banking fraternity and loan products of bank.

Thanks and Regards

name and add..

[karira]

foru,

Private banks are not PA's as defined in the RTI Act.
RBI can be approached for information that it has access to.

I do not think that RBI has access to the procedural aspects of a private banks operation.

You can try, but most probably you will get a reply that the information you requested cannot be accessed by RBI.

[foru]

so any other way i can get this information.

[DineshK]

Since RBI is the regulator for all the Banks (private as well as public), we can ask question from RBI itself like this :

1)Please provide me Information REGARDING criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.) by xxxxxx bank.

RBI cant say that he is not aware about the rules of that private bank. He will either get reply or forward the application to the private bank.

[foru]

SIR I MADE SOME CHANGE AS YOU ADVICE PLEASE CHECK AND LET ME KNOW WHATEVER WE NEED TO EDIT SOMETHING TO MAKE THIS RTI APPLICATION MORE EFFECTIVE.

APPLICATION UNDER RIGHT TO INFORMATION ACT 2005

To,
The Central Public Information Officer
RBI
Shri V.S.Das
Executive Director
Reserve Bank of India
Central Office Building
17th Floor
Shahid Bhagat Singh Road
Mumbai – 400 001

Sub: - Information under Right to Information ACT 2005 on Loan Products and Disbursement procedure of loan products by HDFC BANK.
Dear Sir/Madam,
The applicant is a citizen of India. Kindly provide me the requested information under Right to Information ACT 2005. Since RBI is the regulator for all the Banks (private as well as public),applicant ask this question from RBI.

1) Please provide me Information REGARDING criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.) by HDFC BANK.

2) Please provide me Information REGARDING documents being collected to prove the eligibility for the same by HDFC BANK.


3) Please provide me Information REGARDING the steps/procedure to check the authenticity of the individual and the documents provided by HDFC BANK.

4) Please provide me Information REGARDING time (max and min) to take decision (approve/decline) the application by HDFC BANK.

5) Please provide me Information REGARDING basis of declining or approving an Application and does the reason for declining is being made available to the applicant by HDFC BANK.

6) Please provide me Information REGARDING KYC norms and how they are followed are they applicable to specific Loan Products or to each and every one by HDFC BANK.


Please provide me certified copies of Rules and Regulations, Circulars, Notices, etc, where applicable in each of my queries.
Kindly note that I am not seeking personal information which would compromise the privacy of any individual OR which would affect your competitive position. I have paid the requisite fees as per the act and you are ready to bear the necessary expenses such as photocopying etc. that are going to be incurred for supply of information.

To the best of my knowledge the information sought does not fall within the restrictions contained in Section 8 and 9 of the Act and it pertains to your office.
Thanks to please provide me this information as it will be very useful to understand the Banking fraternity and loan products of HDFC BANK.

Thanks and Regards

[foru]

one more thing i just see hdfc has HDFC Bank Health Plus International Credit Card - India's first health Care Credit Card with a free inbuilt Cashless Mediclaim. This card comes to you from HDFC Bank in association with the United India Insurance Company (UIIC), one of the leading insurance service providers. so then in this case UIIC IS A PUBLICE LTD CO. NOT A PRIVATE.....SO HDFC MAY COVER UNDER RTI.OR I NEED TO SEND RTI TO UIIC