CENTRAL INFORMATION COMMISSION
Club Building (Near Post Office)
Old JNU Campus, New Delhi - 110067
Tel: +91-11-26161796
Decision No. CIC/SM/A/2010/001531/SG/14485
Appeal No. CIC/SM/A/2010/001531/SG
Relevant Facts
emerging from the Appeal
Appellant : Ms. Kusum Chait
W/o- Mr. S.C.Chait
R/o- Behind Allahabad Bank
Station Road, Mainpuri (U.P.) 205001
Respondent : Mr. Pradeep Kumar Aggarwal
PIO & Sr. Manager
Allahabad Bank
Regional Office, Delhi Gate
Near Big Bazaar, Agra (Uttar Pradesh)
RTI application filed on : 23/04/2010
PIO replied : No response provided.
First appeal filed on : 07/06/2010 First Appellate Authority order : 14/07/2010 Second Appeal received on : 29/10/2010 Information Sought:
1. As per loan sanctioning letter dated 03/07/2004 and authorization letter dated 13/04/2005 it was
provided that till such time when the entire loan amount is paid off, the Allahabad Bank shall be
responsible for insuring all the financed livestock. Has the same been done?
2. Insurance policies/ cover note for the insurance policies taken by Allahabad Bank regarding the
aforesaid matter from 03/07/2004 to 20/04/2005.
3. After the insurance policy taken by Allahabad Bank from National Insurance Company Limited
Mainpuri elapsed (policy period 21/04/2005- 20/04/2006), which insurance policy has been
insuring the Appellant’s livestock.
Reply of the Public Information Officer (PIO):
PIO didn’t provide any response to the RTI query.
Grounds for the First Appeal:
Information sought under the RTI Act not provided.
Order of the First Appellate Authority (FAA):
If the RTI application has been disposed off by the CPIO, Allahabad Bank, then the same should be
provided to the Appellant within seven days. If information is still being collected, the matter should be
disposed off within three weeks from the receipt of the order of the Appellate Authority.
Grounds for the Second Appeal:
On 17/07/2010, Allahabad Bank replied as followed:
1. For first query, the stipulation is applicable for good running accounts. In the instant matter the
insurance cover for she buffalo financed in first phase i.e. Rs 125000 was obtained for one year
only from 21/04/2005 to 20/04/2006.
2. Cover note number provided as the insurance copy is not on record with Allahabad Bank.
3. For the third query, no insurance was taken during the said period possibly because assets were not
created.
The Appellant through a letter dated 04/10/2010 expressed her dissatisfaction over lack of
clarity/correctness / completeness of the above information.
No response has come. The present appeal is because of Appellant’s dissatisfaction with the response
provided by the PIO.
Relevant Facts emerging during Hearing:
The following were present
Appellant: Mr. Praful Chait on behalf of Ms. Kusum Chait on video conference from NIC-Mainpuri Studio;
Respondent: Mr. Pradeep Kumar Aggarwal, PIO & Sr. Manager on video conference from NIC-Agra;
The PIO has given certain information but has stated that the insurance policy copies of the buffalos of
the Appellant are not on the records of the Bank. It is admitted that a loan was given to the Appellant and one
of the conditions was that the bank would take the insurance policies for the buffalos during the pending of
the loan. The PIO has sated that the insurance policies have been taken but a copy of the insurance policy is
not with the bank. This is a very peculiar situation and it is difficult to reveal that a bank takes out insurance
policies but does not keep copies of the policy. The commission directs the PIO to obtain the copy of the
insurance policy if necessary from the insurance company and provide it to the Appellant.
Decision:
The Appeal is allowed.
The PIO is directed to provide the copies of insurance policies to the Appellant
before 10 October 2011.
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
08 September 2011
(In any correspondence on this decision, mention the complete decision number. (AM)