Saturday, September 11, 2010

RTI helps Banking customer to know about fault in his Account

Banking on RTI

RTI helped a customer figure out why his bank sent him an unauthorised letter saying he had defaulted on his minimum balance

Neelambari Bhoge

Posted On Thursday, September 09, 2010 at 11:30:01 PM

The bank had penalised 55342 customers....another reply received under the RTI from the OBC head office in Delhi dated May 11 for the same query, states that the number of defaulters uptil March 2010 was only 19,636. — Rashad Shaikh, RTI applicant, the power of the Right to Information Act (RTI) has proved itself yet again by helping an applicant to retrieve obscured information.

Rashad Shaikh, a resident of the Camp area was able to push the mechanism into action to retrieve some information about the Oriental Bank Of Commerce (OBC) with the help of the RTI tool.

The reason behind this application was that Rashad received an undated and unsigned letter from a branch of the OBC at MG Road, Camp which stated that the minimum account balance has been increased.

"I received this letter which had no details like the date or signature. I filed an RTI for an explanation for this letter. I received the answer that it had been inadvertently sent by the concerned officials."

Rashad also asked for further information under RTI on February 26 as to how many account holders were defaulters for the same issue. "The bank had penalised 55342 customers", says Rashad.

He added, "It is interesting to note that another reply received under the RTI from the OBC head office in Delhi dated May 11 for the same query (how many account holders were penalised) states that the number of defaulters uptil March 2010 was only 19,636."

When Pune Mirror got in touch with Purnendu Sarangi, Deputy General Manager of OBC, Pune he said, "The information regarding the penalty for this particular rule is given to the customer on the same day that they open their account. It was a mistake that an undated and unsigned letter was dispatched. It was a computer generated mistake."

He added, "We have a total of 55,342 savings accounts. The applicant had requested information on the defaulters of three specific types of accounts. The number of defaulters in those came to 19,636 and that is the reason why there was fluctuating number in the tally of defaulters," concluded Sarangi.


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The RTI Act was passed by the Lok Sabha (Lower House) on 11 May 2005, by the Raj Sabha (Upper House) on 12 May 2005 and received Presidential assent on 15 June 2005. Parts of the Act came into force upon Presidential assent, but the Act came fully into force on 12 October 2005, 120 days after Presidential assent.

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This Blog Spot is meant for publishing reports about the usage of RTI Act (Right to Information Act, 2005) so as to create an awareness to the general public and also to keep it as a ready reckoner by them. So the readers may extend their gratitude towards the Author as we quoted at the bottom of each Post under the title "Courtesy".Furthermore, the Blog Authors are no way responsible for the correctness of the materials published herein and the readers may verify the concerned valuable sources.

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