{"id":170611,"date":"2011-10-07T00:00:00","date_gmt":"2011-10-06T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/shri-choudhury-chandra-pakash-vs-reserve-bank-of-india-on-7-october-2011"},"modified":"2015-12-08T16:05:51","modified_gmt":"2015-12-08T10:35:51","slug":"shri-choudhury-chandra-pakash-vs-reserve-bank-of-india-on-7-october-2011","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/shri-choudhury-chandra-pakash-vs-reserve-bank-of-india-on-7-october-2011","title":{"rendered":"Shri. Choudhury Chandra Pakash &#8230; vs Reserve Bank Of India on 7 October, 2011"},"content":{"rendered":"<div class=\"docsource_main\">Central Information Commission<\/div>\n<div class=\"doc_title\">Shri. Choudhury Chandra Pakash &#8230; vs Reserve Bank Of India on 7 October, 2011<\/div>\n<pre>                       CENTRAL INFORMATION COMMISSION\n                        Club Building, Opposite Ber Sarai Market,\n                          Old JNU Campus, New Delhi - 110067.\n                                  Tel: +91-11-26161796\n\n                                                       Decision No. CIC\/SM\/A\/2011\/000705\/SG\/15083\n                                                               Appeal No. CIC\/SM\/A\/2011\/000705\/SG\n\nAppellant                                 :       Sri Chaudhary Chandra\n                                                  Prakash Duddy,\n                                                  Undertrial Prisoner,\n                                                  Ward No 7, Barrack No 5\/1,\n                                                  Central Jail, Ajmer,\n                                                  Rajasthan\n\nRespondent                                :      Mr. Deepak Singhal\n                                                 CPIO &amp; Chief General Manager\n                                                 Reserve bank Of India,\n                                                 13th Floor, Fort, Shaeed Bhagat Singh Marg\n                                                 Mumbai-400001\n\n\nRTI application filed on                  :       25\/09\/2010\nPIO replied                               :       22\/11\/2010\nFirst Appeal filed on                     :       10\/11\/2010\nFirst Appellate Authority order           :       No Order\/Not Enclosed\nSecond Appeal filed on                    :       22\/01\/2011\nDate of Notice of Hearing                 :       00\/00\/2011\nHearing held on                           :       00\/00\/2011\n\n Query No Information Sought                           PIO Reply\n\n 1&amp;2.(a)     The Appellant sought information          No specific Directions have been issued from\n             regarding information to be given by      Banking        Operations     &amp;     Development\n             the Applicant for becoming eligible for   Department to Scheduled Commercial Banks,\n             (i)Housing Loan, (ii)Mortgage Loan,       as Debt allotment\/Loan recovery are internal\n             (iii)OD Loan, (iv)Car Loan from           management works and policy regarding which\n             Nationalized Banks.                       are to be decided by the board of particular\n                                                       Bank. Reserve Bank of India has advised to the\n                                                       Directorial Board of these Banks to develop a\n                                                       well defined policy in this regard. In which\n                                                       components of Exposure limits, documentation\n                                                       standards, regional exposure limits, distribution\n                                                       of powers, maturity &amp; price determination,\n                                                       interest rate are to be decided &amp; determined.\n\n                                              Respondent Requested to see above answer for\n 1&amp;2.(b)     What rules are followed by banks Q No 1(ii).\n             before loan allotment?\n                                              According to existent directions to all scheduled\n                                                                                              Page 1 of 3\n  1&amp;2.(c)      Charges\/processing taken after loan is Banks from Reserve Bank of India they have\n              sanctioned.                            been given maximum operational independence\n                                                     relating to banking transactions. They have been\n                                                     given independence to decide service charge\n                                                     since September 1999. While deciding service\n                                                     charge\/processing charge banks have to\n                                                     determine the reasonableness and quantum of\n                                                     average cost on these services.\n\n                                                        Banking      Operations    &amp;      Development\n                                                        Department has no information to produce in\n 1&amp;2.(d)      Send Loan Forms in Hindi for availing this regard.\n              Each type of Loan.\n 3.           If rules regarding loan for Limited, Pvt Please see answer to above query.\n              Limited, Cooperative and Commercial\n              Organizations, Banks etc are different\n              as per column 1 then send all such\n              documents.\n 4.           Name of all the financial organizations All the relevant information have already been\n              which comes under the realm of RTI published by Reserve Bank of India on their\n              Act with address and particulars along website:\n              with the details of their CPIOs and First \" www.rbi.org.in \" and the related information\n              Appellate Authorities and Second is                    available           at          \"\n              Appellate Authorities and Details of https:\/\/www.rbi.org.in\/Scripts\/righttoinfoact.aspx\n              their    General      Manager    Offices \"\n              including name telephone numbers, fax Details of Jaipur office was also provided by the\n              etc.                                      respondent as per query.\n                                                        As regarding other agencies which comes\/not\n                                                        comes under the purview of RTI Act, RBI is not\n                                                        the nodal agency.\n\nGrounds for First Appeal:\n-The Appellant not satisfied with the information provided.\n\nOrder of the First Appellate Authority:\nNo Order\/Not Enclosed\n(It appears from the Second Appeal made by the Appellant previously to state of Jaipur State Commission\nthat FAA upheld the PIO Reply and resorted to answer given by the PIO to the Appellant's query.)\n\nGrounds for Second Appeal:\n- The Appellant was not provided with the desired Information as Appellant found information unclear\nand equivocal.\n\nRelevant Facts<\/pre>\n<p> emerging during Hearing:\n<\/p>\n<p>The following were present:\n<\/p>\n<p>Appellant: Absent;\n<\/p>\n<p>Respondent: Ms. Mini Kutti Krishnan, Assistant Legal Advisor on behalf of Mr. Deepak Singhal, CPIO<br \/>\n               &amp; Chief General Manager from NIC-Mumbai Studio;<br \/>\n       The respondent states that all the information available has been provided to the Appellant. The<br \/>\nrespondent has reiterated that in a lot of matters each bank is free to frame its own policy in loan and other<br \/>\nsuch matters and the RBI does not interfere in these.\n<\/p>\n<p><span class=\"hidden_text\">                                                                                                  Page 2 of 3<\/span><\/p>\n<p> Decision:\n<\/p>\n<p>The Appeal is disposed.\n<\/p>\n<p>      The information available on the records appears to have been provided.\n<\/p>\n<p>This decision is announced in open chamber.<br \/>\nNotice 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                                                                                                        07 October 2011<br \/>\n(In any correspondence on this decision, mention the complete decision number.)(GS)<\/p>\n<p><span class=\"hidden_text\">                                                                                                              Page 3 of 3<\/span>\n <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Central Information Commission Shri. Choudhury Chandra Pakash &#8230; vs Reserve Bank Of India on 7 October, 2011 CENTRAL INFORMATION COMMISSION Club Building, Opposite Ber Sarai Market, Old JNU Campus, New Delhi &#8211; 110067. Tel: +91-11-26161796 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 [&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-170611","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>Shri. 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