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Decision No. CIC/SM/A/2011/000705/SG/15083
Appeal No. CIC/SM/A/2011/000705/SG
Appellant : Sri Chaudhary Chandra
Prakash Duddy,
Undertrial Prisoner,
Ward No 7, Barrack No 5/1,
Central Jail, Ajmer,
Rajasthan
Respondent : Mr. Deepak Singhal
CPIO & Chief General Manager
Reserve bank Of India,
13th Floor, Fort, Shaeed Bhagat Singh Marg
Mumbai-400001
RTI application filed on : 25/09/2010
PIO replied : 22/11/2010
First Appeal filed on : 10/11/2010
First Appellate Authority order : No Order/Not Enclosed
Second Appeal filed on : 22/01/2011
Date of Notice of Hearing : 00/00/2011
Hearing held on : 00/00/2011
Query No Information Sought PIO Reply
1&2.(a) The Appellant sought information No specific Directions have been issued from
regarding information to be given by Banking Operations & Development
the Applicant for becoming eligible for Department to Scheduled Commercial Banks,
(i)Housing Loan, (ii)Mortgage Loan, as Debt allotment/Loan recovery are internal
(iii)OD Loan, (iv)Car Loan from management works and policy regarding which
Nationalized Banks. are to be decided by the board of particular
Bank. Reserve Bank of India has advised to the
Directorial Board of these Banks to develop a
well defined policy in this regard. In which
components of Exposure limits, documentation
standards, regional exposure limits, distribution
of powers, maturity & price determination,
interest rate are to be decided & determined.
Respondent Requested to see above answer for
1&2.(b) What rules are followed by banks Q No 1(ii).
before loan allotment?
According to existent directions to all scheduled
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1&2.(c) Charges/processing taken after loan is Banks from Reserve Bank of India they have
sanctioned. been given maximum operational independence
relating to banking transactions. They have been
given independence to decide service charge
since September 1999. While deciding service
charge/processing charge banks have to
determine the reasonableness and quantum of
average cost on these services.
Banking Operations & Development
Department has no information to produce in
1&2.(d) Send Loan Forms in Hindi for availing this regard.
Each type of Loan.
3. If rules regarding loan for Limited, Pvt Please see answer to above query.
Limited, Cooperative and Commercial
Organizations, Banks etc are different
as per column 1 then send all such
documents.
4. Name of all the financial organizations All the relevant information have already been
which comes under the realm of RTI published by Reserve Bank of India on their
Act with address and particulars along website:
with the details of their CPIOs and First " www.rbi.org.in " and the related information
Appellate Authorities and Second is available at "
Appellate Authorities and Details of https://www.rbi.org.in/Scripts/righttoinfoact.aspx
their General Manager Offices "
including name telephone numbers, fax Details of Jaipur office was also provided by the
etc. respondent as per query.
As regarding other agencies which comes/not
comes under the purview of RTI Act, RBI is not
the nodal agency.
Grounds for First Appeal:
-The Appellant not satisfied with the information provided.
Order of the First Appellate Authority:
No Order/Not Enclosed
(It appears from the Second Appeal made by the Appellant previously to state of Jaipur State Commission
that FAA upheld the PIO Reply and resorted to answer given by the PIO to the Appellant's query.)
Grounds for Second Appeal:
- The Appellant was not provided with the desired Information as Appellant found information unclear
and equivocal.
Relevant Facts
emerging during Hearing:
The following were present:
Appellant: Absent;
Respondent: Ms. Mini Kutti Krishnan, Assistant Legal Advisor on behalf of Mr. Deepak Singhal, CPIO
& Chief General Manager from NIC-Mumbai Studio;
The respondent states that all the information available has been provided to the Appellant. The
respondent has reiterated that in a lot of matters each bank is free to frame its own policy in loan and other
such matters and the RBI does not interfere in these.
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Decision:
The Appeal is disposed.
The information available on the records appears to have been provided.
This decision is announced in open chamber.
Notice of this decision be given free of cost to the parties.
Any information in compliance with this Order will be provided free of cost as per Section 7(6) of RTI Act.
Shailesh Gandhi
Information Commissioner
07 October 2011
(In any correspondence on this decision, mention the complete decision number.)(GS)
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