{"id":11407,"date":"2011-09-07T00:00:00","date_gmt":"2011-09-06T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/shri-kundan-kr-sinha-vs-punjab-and-sind-bank-on-7-september-2011"},"modified":"2019-04-08T21:03:10","modified_gmt":"2019-04-08T15:33:10","slug":"shri-kundan-kr-sinha-vs-punjab-and-sind-bank-on-7-september-2011","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/shri-kundan-kr-sinha-vs-punjab-and-sind-bank-on-7-september-2011","title":{"rendered":"Shri.Kundan Kr Sinha vs Punjab And Sind Bank on 7 September, 2011"},"content":{"rendered":"
Central Information Commission<\/div>\n
Shri.Kundan Kr Sinha vs Punjab And Sind Bank on 7 September, 2011<\/div>\n
                        CENTRAL INFORMATION COMMISSION\n                            Club Building (Near Post Office)\n                          Old JNU Campus, New Delhi - 110067\n                                 Tel: +91-11-26161796\n\n                                                        Decision No. CIC\/SM\/A\/2010\/001515\/SG\/14450\n                                                               Appeal No. CIC\/SM\/A\/2010\/001515\/SG\n\nRelevant facts emerging from the Appeal:\n\nAppellant                               :       Mr. Kundan Kumar Sinha.\n                                                Chiragauda, Hirapur,\n                                                Dhanbad, 826001\n                                                Jharkhand.\n\nRespondent                              :       Mr. Nilendra Kumar<\/pre>\n
                                                PIO & Sr. Manager
\n                                                Punjab and Sindh Bank,
\n                                                Main Branch, Katraas Road,
\n                                                Dhanbad, Jharkhand.\n<\/p>\n
RTI application filed on           :            12\/06\/2011\nPIO replied on                     :            21\/07\/2011\nFirst Appeal filed on              :            14\/07\/2011\nFirst Appellate Authority order on :            Not mentioned.\nSecond Appeal received on          :            04\/08\/2011\n\n        Information Sought                                                 Reply of the PIO\n1. Where is the Zonal Manager who was posted in the Zonal         Sh. Vijay Srivastav, DGM, presently posted at\nOffice, Kolkata in the year 2005 posted?                          Punjab & Sindh Bank, Lead Bank Office,\nProvide complete name and address of him.                         Sadik Road, Faridkot (Punjab).\n<\/pre>\n
2. From the year 2005 till date how many Zonal Managers and for   Zonal Manager posted at ZO, Kolkata since
\nwhat time duration have been posted in the Zonal Office, Kolkata. 2005:<\/p>\n
\nProvide complete names and addresses of them.                         i.      Sh. Vijay Srivastava\n                                                                      ii.     Sh. I.S. Chawla\n                                                                      iii.    Sh. Rakesh Khurana\n                                                                      iv.     Sh. Gurpal S. Malik (Present\n                                                                              Zonal      Manager)\n<\/pre>\n
3. Where is the Group Manager co-Main Manager of Punjab and Sh. G.S. Bali, AGM, now posted at Regional
\nSindh Bank, Ranchi in the year 2005 posted and at what post is he Office, Jammu.
\nemployed?\n<\/p>\n
Provide complete name and address of him.\n<\/p>\n
4. From 2005 till date how many preferred Branch Managers Senior Manager posted at BO, Dhanbad since
\nhave been posted in your Branch? How many of them have been 2005:\n<\/p>\n
transferred?                                                          i.      Sh. R.N. Malhotra\nProvide the names, addresses, posts of the above mentioned            ii.     Sh. N.K. Prabhat (Present\nBranch Managers alongwith details regarding present place where               incumbent)\nthey are posted.\n<\/pre>\n
5. What are the rules and regulations regarding home loans taken Proposed Borrower will be asked to follow
\nby your customers?                                                policy guidelines of the Bank and to submit
\n                                                                  loan application along with relevant papers
\n                                                                  and documents.\n<\/p>\n
6. Provide information regarding the documents asked for by your Following are the preliminary requirements
\nBank, rules and regulations and how is the installment amount for home loan:
\nfixed if a customer requests for a home loan of Rs. 15,00,000.        (a) Income Proof\n<\/p>\n
                                                                      (b) Balance Sheet\n<\/p>\n
                                                                      (c) Income Tax Return
\n                                                                                                Page 1 of 4<\/span>\n<\/p>\n
                                                                        (d) Loan Application\n<\/p>\n
                                                                       (e) Legal opinion & valuation of property\n<\/p>\n
                                                                       (f) Project cost\n<\/p>\n
                                                                       (g) Permission for house construction
\n                                                                           from the concerned authority.\n<\/p>\n
                                                                           Installments are fixed on the basis of
\n                                                                           income of the applicant, amount of
\n                                                                           loan and period of repayment of the
\n                                                                           loan.\n<\/p>\n
7. Why is it necessary to provide income related proof to your To assess the repayment capacity of the
\nbank at present and in past for getting a loan sanctioned?        borrower.\n<\/p>\n
8. From the year 2005 till date with how many N.P.A Accounts OTS are settled as per policy guidelines
\nhas your Bank compromised and on what conditions, subject to framed by the RBI. Required information
\nOne Time Settlement?                                              involves third party and cannot be disclosed.\n<\/p>\n
9. What is your Bank’s formula of One Time Settlement? Commercial Banks are governed by the RBI
\nProvide evidence regarding the same.                              for OTS and such policy from time to time.\n<\/p>\n
10. Provide information regarding the formula of One Time Copy of Circular No. 197 enclosed (annexure
\nSettlement by the RBI.                                            1)\n<\/p>\n
11. Provide information on what action has been taken by your BM, Dhanbad clarified that proposals
\nBank on the suggestions provided by us on the subject of submitted by Sh. Kundan Kr. Sinha dated
\nrepayment of loan.                                                16\/05\/2008,       26\/06\/2008,      26\/07\/2008,
\n                                                                  20\/04\/2010, 10\/06\/2010 are enclosed,(annex2\n<\/p>\n
12. Provide copies of all the actions by your Bank regarding the Date of N.P.A. of the account is 30\/09\/2005.
\nsuggestions made by us till date about repayment of loan.\n<\/p>\n
13. When was Customer Store Current Account 3942 declared to In each and every case-Bank communicates to
\nbe N.P.A?                                                         each and every borrower.\n<\/p>\n
What directions have been issued in this regard by your Bank’s
\nHead             Office           and            the         RBI?\n<\/p>\n
Provide evidence regarding the same.\n<\/p>\n
14. Provide information regarding the calcification done by you In each and every case-Bank communicates to
\nafter declaring N.P.A.                                            each and every borrower.
\nHas it been done as per the directions of your Bank’s Head Office
\nand the RBI?\n<\/p>\n
Provide a copy of the decision of Justice N.N. Tiwari, Ranchi
\nHigh Court in Satan Commodities Vs. Panjab & Sindh Bank
\nsubject to Article 141 of the Constitution Of India.\n<\/p>\n
15. Is there any provision for considering the proposal by the SRFAESI Notice is issued as per the Act after
\nBorrower in a situation where notice has been issued after a Loan turning the account into N.P.A.
\naccount has become N.P.A.?\n<\/p>\n
Or, is there a provision for issuing a notice straightway as per
\nSectio 13\/2 and 13\/4 of the Sarfaci Act?\n<\/p>\n
What are the directions of your Bank’s Head Office and the RBI
\nregarding this?\n<\/p>\n
Provide photocopies.\n<\/p>\n
16. Is it enough conviction to return the suggestions given by me You have sought comments, not information
\nin the year 2006 by saying that they do not comply with the bank
\nnorms?\n<\/p>\n
17. I had asked for a copy of the bank norms by registered speed You are seeking photocopy of which ‘norms’-
\npost dated 24\/01\/2010.                                            not clarified.\n<\/p>\n
How long should it take by your Bank to provide the copy?
\nWhat time limit has been set by your Bank’s Head Office?\n<\/p>\n
19. What action has been taken by your Bank on the suggestion
\nsent by us dated 29\/04\/2010?\n<\/p>\n
20. Is it compulsory for your Bank to compromise for One Time      BM, Dhanbad has clarified that since no offer
\nSettlement, subject to Sardar Associate Vs. P&S.B. and Satyam      was received in terms of Bank’s policy
\nCommodities Vs. P&S.B. Honorable Jharkhand High Court’s            guidelines in response to his letter dated
\ndecision, Constitution of India Article 14, Honorable Apex Court   16\/05\/2008 and the same was not forwarded
\nas reported in 2009 (10) 410-2009\/AIR S.C.W. 5886 Sardar           to higher authority.
\nAssociate Vs. P&S.B. Copy attached for your perusal.\n<\/p>\n
                                                                                                  Page 2 of 4<\/span><\/p>\n
 Also, a request letter was sent to you and your Bank’s preferred
\npost-holder by registered speed post dated 19\/03\/2010 regarding
\nO.T.S.\n<\/p>\n
21. A positive format of our suggestions under revised guidelines    BM, Dhanbad has clarified that no concrete
\nfor compromise settlement of chronic N.P.A.S of Public Sector        proposal was submitted by Sh. Kundan Kr.
\nBank issued by RBI; para no. 5 & 6 was to be made and produced       Sinha, thus the case was not forwarded to
\nbefore S.M.D and preferred post-holders of your Bank, by you         higher authorities.
\nwithin 3 months.\n<\/p>\n
Provide information regarding all the conversations you have had
\nwith your Bank’s Head Office in this regard. Also, provide a copy
\nof the Head Office’s replies.\n<\/p>\n
22. Is your Bank’s policy to work for the public’s interest or any Ours is a Public Sector Bank owned by the
\nother?                                                             Govt. of India and obviously functioning in
\n                                                                   the interest of the public.\n<\/p>\n
23. What is your bank’s responsibility in a situation where a loan Every N.P.A. account has its own character:
\naccount is declared N.P.A and the suggestion given by the Bank may move for rehabilitation to recovery
\nBorrower does not fall under the bank norms?                       through negotiation or legal recourses or
\n                                                                   SRFAESI depended on merits of the case.\n<\/p>\n
24. Was any invitation letter (Do you need any help?) sent by BM, Dhanbad clarified that no facility is
\nyour Bank to me?                                                   extended to willful defaulter.
\nIf yes, provide a copy of the same.\n<\/p>\n
25. Provide copies of directions by your Bank and the RBI in case Please see reply at SI. No. 23 above.
\na loan account is declared N.P.A. and the Borrower provides
\nsuggestions.\n<\/p>\n
26. Provide statement of the legal expense and court fees paid by Following legal expenses have been incurred
\nyour Bank due to us.                                               by the Bank:\n<\/p>\n
                                                                   RC Charges-Consumer Store -Rs. 24140.00
\n                                                                   RC Charges-Sh. Kundan Sinha-Rs. 4600.00
\n                                                                   DRT Ranchi-                    -Rs. 5500.00
\n                                                                   Property Valuation Charges- -Rs. 3322.00\n<\/p><\/blockquote>\n
27. Provide statement of the interest due on Current Account- BM, Dhanbad clarified that rate of interest
\n3942 from 2006 till date.                                          charged as applicable and advised by H.O.
\nAnd, and what rate has it been charged?                            from time to time has been charged till June,
\n                                                                   2007 and at the rate of PLR existing after that
\n                                                                   till today. Statements of a\/c is enclosed.\n<\/p>\n
                                                                   (Annex. 3)\n<\/p>\n
28. If a loan has been sanctioned by your Bank and the Borrower In case of TL-three installments become
\npays one installment but fails to pay the other installment(s) due overdue and in the case of CC\/OO-account is
\nto some unforeseen event, after how many days will it be declared out of order for more than three months or
\nN.P.A. by you?                                                     interest is not serviced for more than three
\nHow many days after declaring it as N.P.A. will the notice be sent months-accounts are declared N.P.A. If
\nunder the Surface Act?                                             borrower fails make his account regularized,
\nProvide a copy of the directions passed by your Bank and the RBI Bank may pursue rehabilitation or recovery
\nin this regard.                                                    through legal recourses or SRFAESI Action\n<\/p>\n
29. Generally, banks provide loans to two categories of people:    according to merits of the borrower.\n<\/p>\n
i) Need-based\n<\/p>\n
ii) Security-based.                                                Commercial Banks make all advances
\nDo I fall under any category, at present?                          according to merit of the proposal and needs
\n                                                                   of the borrowers.\n<\/p>\n
Grounds for the First Appeal:\n<\/p>\n
Unsatisfactory reply of the PIO.\n<\/p>\n
Order of the First Appellate Authority (FAA):\n<\/p>\n
Not enclosed.\n<\/p>\n
Ground of the Second Appeal:\n<\/p>\n
Unsatisfactory reply of the PIO.\n<\/p>\n
                                                                                                  Page 3 of 4<\/span><\/p>\n
 Relevant Facts emerging during Hearing:\n<\/p>\n
The following were present
\nAppellant: Mr. Kundan Kumar Sinha on video conference from NIC-Dhanbad Studio;
\nRespondent: Mr. Nilendra Kumar, PIO & Sr. Manager on video conference from NIC-Dhanbad
\nStudio;\n<\/p>\n
        PIO has provided most of the information but is directed to provide the following information
\nto the Appellant:\n<\/p>\n
    1-     Query-2: The period during which the Zonal Managers were posted.
\n    2-     Query-4: The balance information to be provided.\n<\/p>\n
The Appellant has been given most of the information and it appears that the Appellant is seeking to
\nget a grievance redressed by asking multiple queries covering a wide range of topics.\n<\/p>\n
Decision:\n<\/p>\n
The Appeal is allowed.\n<\/p>\n
      The PIO is directed to provide the information as directed above to the Appellant
\nbefore 30 September 2011.\n<\/p>\n
This decision is announced in open chamber.\n<\/p>\n
Notice of this decision be given free of cost to the parties.
\nAny information in compliance with this Order will be provided free of cost as per Section 7(6) of RTI Act.\n<\/p>\n
                                                                                                    Shailesh Gandhi
\n                                                                                          Information Commissioner
\n                                                                                                 07 September 2011
\n(In any correspondence on this decision, mention the complete decision number. (NS)<\/p>\n
                                                                                                              Page 4 of 4<\/span>\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Central Information Commission Shri.Kundan Kr Sinha vs Punjab And Sind Bank on 7 September, 2011 CENTRAL INFORMATION COMMISSION Club Building (Near Post Office) Old JNU Campus, New Delhi – 110067 Tel: +91-11-26161796 Decision No. CIC\/SM\/A\/2010\/001515\/SG\/14450 Appeal No. CIC\/SM\/A\/2010\/001515\/SG Relevant facts emerging from the Appeal: Appellant : Mr. Kundan Kumar Sinha. Chiragauda, Hirapur, Dhanbad, 826001 Jharkhand. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[39,1],"tags":[],"class_list":["post-11407","post","type-post","status-publish","format-standard","hentry","category-central-information-commission","category-judgements"],"yoast_head":"\nShri.Kundan Kr Sinha vs Punjab And Sind Bank on 7 September, 2011 - Free Judgements of Supreme Court & High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/shri-kundan-kr-sinha-vs-punjab-and-sind-bank-on-7-september-2011\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Shri.Kundan Kr Sinha vs Punjab And Sind Bank on 7 September, 2011 - 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