{"id":144310,"date":"2011-10-31T00:00:00","date_gmt":"2011-10-30T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/smt-neelam-keshri-vs-bank-of-india-on-31-october-2011"},"modified":"2016-06-05T21:53:14","modified_gmt":"2016-06-05T16:23:14","slug":"smt-neelam-keshri-vs-bank-of-india-on-31-october-2011","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/smt-neelam-keshri-vs-bank-of-india-on-31-october-2011","title":{"rendered":"Smt.Neelam Keshri vs Bank Of India on 31 October, 2011"},"content":{"rendered":"<div class=\"docsource_main\">Central Information Commission<\/div>\n<div class=\"doc_title\">Smt.Neelam Keshri vs Bank Of India on 31 October, 2011<\/div>\n<pre>                       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\/SG\/A\/2011\/002010\/15393\n                                                                  Appeal No. CIC\/SG\/A\/2011\/002010\n\nRelevant facts emerging from the Appeal:\n\nAppellant                            :      Smt. Neelam Kesheri\n                                            Makhniyan Kuan, Near Masijid,\n                                            Post - Bankipur, Thana - Peerbahore,\n                                            District - Patna (Bihar).\n\n\nRespondent                           :      Public Information Officer,\n                                            Bank of India\n                                            Zonal Office\n                                            Patna Zone, Chanakya Tower,\n                                            R-Block, Patna - 800001, Bihar.\n\nRTI application filed on             :      07-01-2011\nPIO replied on                       :      20-04-2011\nFirst Appeal filed on                :      10-03-2011\nFirst Appellate Authority order of   :      Not replied\nSecond Appeal received on            :      21-06-2011\n\nInformation sought:\n S. No.             Information sought.                                The PIO reply.\n   1.    Provide attested copy of all letters         Information can not be provided under section 8(1)\n         presented by the borrower in respect of      (d) &amp; 8(1) (j).\n         loan A\/c No. 440730110000029.\n   2.    Provide the verification report made by      As above.\n         the bank and policy decision of loan in\n         respect      of    lone     A\/c     No.\n         440730110000029 regarding above.\n   3.    Provide the photocopy of advance file        As above.\n         documents in respect of loan A\/c No.\n         440730110000029 opened by the bank\n         administrative.\n   4.    Provide the name and address of the          As above.\n         officials who issued the loan with loan\n         A\/c No. 440730110000029.\n\nGrounds for the First Appeal:\nUnsatisfactory reply was provided to the appellant.\n\nOrder of the First Appellate Authority:\nNo order was passed by the FAA.\n\nGround of the Second Appeal:\nThe appellant is not satisfied with the PIO reply and no order was passed by FAA.\n Relevant Facts<\/pre>\n<p> emerging during Hearing:\n<\/p>\n<p>The following were present:\n<\/p>\n<p>Appellant: Smt. Neelam Kesheri Absent at NIC Studio in Patna<br \/>\nRespondent: Absent at NIC Studio in Patna<\/p>\n<p>Both the parties were given an opportunity for hearing but had not come at NIC studio in Patna. On<br \/>\nperusal of the papers it appears that the Appellant had sought information about the customer of the<br \/>\nbank M\/s Tara Traders. The Appellant claims that the information is relating to a relative. The bank<br \/>\nholds the information about the customer in a fiduciary capacity.<br \/>\nSection 8 (1) (e) of the RTI Act exempts from disclosure &#8216;information available to a person in his<br \/>\nfiduciary relationship, unless the competent authority is satisfied that the larger public interest warrants<br \/>\nthe disclosure of such information;&#8217;<\/p>\n<p>The traditional definition of a fiduciary is a person who occupies a position of trust in relation to<br \/>\nsomeone else, therefore requiring him to act for the latter&#8217;s benefit within the scope of that<br \/>\nrelationship. In business or law, we generally mean someone who has specific duties, such as those<br \/>\nthat attend a particular profession or role, e.g. doctor, lawyer, financial analyst or trustee. Another<br \/>\nimportant characteristic of such a relationship is that the information must be given by the holder of<br \/>\ninformation who must have a choice,- as when a litigant goes to a particular lawyer, a customer<br \/>\nchooses a particular bank, or a patient goes to particular doctor. An equally important characteristic for<br \/>\nthe relationship to qualify as a fiduciary relationship is that the provider of information gives the<br \/>\ninformation for using it for the benefit of the one who is providing the information. All relationships<br \/>\nusually have an element of trust, but all of them cannot be classified as fiduciary. Information provided<br \/>\nin discharge of a statutory requirement, or to obtain a job, or to get a license, cannot be considered to<br \/>\nhave been given in a fiduciary relationship.\n<\/p>\n<p>In the instant case very clearly a fiduciary relationship exists, since customers of a Bank come to it<br \/>\nbecause of the implicit trust they have; and they provide information to the Bank for their own benefit.<br \/>\nCustomers also have a choice of which bank they wish to approach. Hence unless a large public<br \/>\ninterest is shown the information is exempted from disclosure.\n<\/p>\n<p>Decision:\n<\/p>\n<p>The Appeal is disposed.\n<\/p>\n<p>The information sought by the Appellant is exempt under Section 8 (1) (e) of the RTI<br \/>\nact.\n<\/p>\n<p>This decision is announced in open chamber.\n<\/p>\n<p>Notice of this decision be given free of cost to the parties.<br \/>\nAny information in compliance with this Order will be provided free of cost as per Section 7(6) of RTI Act.\n<\/p>\n<p>                                                                                                               Shailesh Gandhi<br \/>\n                                                                                                     Information Commissioner<br \/>\n                                                                                                               31 October 2011<\/p>\n<p>                           (In any correspondence on this decision, mention the complete decision number. (BK))\n <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Central Information Commission Smt.Neelam Keshri vs Bank Of India on 31 October, 2011 CENTRAL INFORMATION COMMISSION Club Building (Near Post Office) Old JNU Campus, New Delhi &#8211; 110067 Tel: +91-11-26161796 Decision No. CIC\/SG\/A\/2011\/002010\/15393 Appeal No. CIC\/SG\/A\/2011\/002010 Relevant facts emerging from the Appeal: Appellant : Smt. Neelam Kesheri Makhniyan Kuan, Near Masijid, Post &#8211; Bankipur, Thana [&hellip;]<\/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-144310","post","type-post","status-publish","format-standard","hentry","category-central-information-commission","category-judgements"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Smt.Neelam Keshri vs Bank Of India on 31 October, 2011 - Free Judgements of Supreme Court &amp; 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\/smt-neelam-keshri-vs-bank-of-india-on-31-october-2011\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Smt.Neelam Keshri vs Bank Of India on 31 October, 2011 - Free Judgements of Supreme Court &amp; 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