Jagoinvestor

December 17, 2012

File RTI against PSU banks and get all information you wanted ever !

We have already done an article on how to use RTI for any kind of EPF related issues because EPFO is an govt organisation and comes under the purview of RTI . But a lot of people do not know that even PSU Banks come under RTI and if you have any issues with them, you can always file a RTI against them and get any kind of information you want.

So that means SBI, Bank of Baroda, Union Bank of India, Punjab national Bank, Carana Bank, Vijaya Bank, Bank of Maharashtra and all other PSU banks (govt owned) will come under RTI . So the next question is what kind of situations can arise, when a person can file a RTI application. Lets see this – Prashant from Agra, had an issue with Canara Bank over the bank locker

My brother’s bank account is at canara bank, and he had taken a LOCKER there. He made his wife as joint account holder and with attorney. Now when she took locker keys to her home without informing we gave the manager an application that in case locker is secretly opened plz inform us. But after few days the lady mailed him(to manager) some application/or anything on his email.

when my brother n mother went to operate he stopped us.. and shouted at us in front of everyone as if we are thieves(account is in name of my brother). Manager is even not ready to show that email or copy of the same. Neither did he informed any of the 3 phone numbers given in application by us previously (he assured us to do the same). He yelled us out of bank(account is 12 year old in same branch) saying that he will FREEZE LOCKER. My brother the rightful owner wants to open his own account having keys to the locker yet not allowed.

Now in this issue, you can see that bank has not treated Prashant well and also not giving him the information properly. The bank people are also mishandling his locker. At this moment, Prashant can just file a RTI application and ask all those queries which he wanted to know. And within next 30-35 days , he should get the reply from the bank.

Let me share with you all 2 more real life incidents on how people used RTI against their PSU banks and got their work done !

1. How Kranti Used RTI against his Bank 

My ATM is locked due to some unknown reason. As usual customer-care directed me to contact branch. In branch a lady checks some info and said that this can not happen here, ATM will be unlocked by Mumbai main branch and advice me for new ATM card. At this time I have questioned them that in this case you will deduct charges from my saving account. Reply of lady was awesome, she simple blast on me and said that you people want everything free of cost. At that time I feel that there is no point in arguing with that lady and way back to my home.

After one week of try,suddenly I thought of applying RTI on this issue. I have met the branch manager and ask for how to apply RTI on this issue. Suddenly after listening name of RTI, bank manager came into action and directed same lady to solve this issue asap and said that if his issue is not resolved, he will file RTI. Surprisely my ATM is unlocked within minutes of action. In my case only name of RTI works wonder:)

2. How Elahi used RTI against SBi

RTI is very powerful and highly useful tool. Here is my experience with SBI. I have housing loan with SBI and they had charged extra interest of Rs. 73000 to me. So I filed RTI to get the detailed information of change in interest rates and to conform that my housing loan interest rate will be (SBAR – % concession.) After getting this information, I filed complaint with Branch and RACPC pune, giving them detailed interest calculations of interest for 4 years and asked them to refund my money. Waited for 3 weeks. SBI customer charted says that “Branch has to solve the problem withing 3 weeks elase wive written reply to customer telling why it is not solved and how much additional time is needed.”

After 3 weeks I pointed SBI to this clause ans asked for explaination through email. Then wheels started moving faster. Got my cresit within 2 hours. But it was not as per my calculation. I again explained them my claculations and after 3 credits they got their calculation right ! I got my money back completely. RTI works wonder. And every government and semi-govt. organisations have citizens charter. Use it for your purpose.

Note that Right to information (RTI) will only help a person get some information, after that he will have to follow up on that matter, but in today’s world, even if you get the correct data about something, its a big thing.

When to use RTI against PSU bank ?

  • When the bank is not giving you correct information about your home loan related items like interest rates, prepayment, documentation issues.
  • When you are not satisfied by bank behaviour, its service, the terms and conditions etc
  • When bank asks you some unjustified things like opening a FD for locker, buying some policy before locker can be opened !
  • When you feel that bank has done something against their own terms and conditions and is not entertaining you.
  • When you need any information from bank which you cant get directly !

Below is a video on RTI done by Sailesh Gandhi for Moneylife. Have a look at these video’s and understand how to effectively use Right to information in your life.

Branch Heads are also the CPIO’s !

When you file a RTI letter, it has to be addressed to Central Public Information Officer (CPIO) or Central Assistant Public Information Officer (CAPIO). Now all the major branch heads of PSU Banks are also CPIO’s and you can directly write the RTI letter to the branch head, but address them as CPIO’s . So in the place of address, mention the branch name and the name of the bank with full address. Some of the PSU banks also allow giving the RTI applications by hand to the Branch heads, but I would suggest try it on your own risk, sending the letter by registered post will be much better.

Steps for writing the RTI application against Bank

1. Download this RTI Template for Banks (Taken from Wealth Club)

2. Put the address and branch name of your Bank

3. Write down all the other details like name, address, email, phone and other details if any.

4. Put the information required at the appropriate place in the template. Make sure the question is brief and too the point.

5. Buy a postal order for Rs 10 , favoring to CPIO, Branch name, address (this you need to fill yourself).

6. Make sure you write the postal order number in the RTI letter, change it with your order number.

7. Take a print out and send the RTI letter via registered post or Speed post to the same address as Bank branch.

8. Wait for next 30-60 days for the reply and if you dont get it , escalate it further !

Note : You can also watch a detailed video course called “How to Use RTI in your financial life” (4 part video series , 19 min total running time) under our courses section of Jagoinvestor Wealth Club, incase you are a member.

Conclusion

So in this article, you have learned how you can also file RTI applications against a Public sector Bank in India and get all those information which you are not getting in proper manner otherwise.

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Arun Mech
Arun Mech
3 years ago

Hi Concern,

I am facing a big problem to receive my pf amount since very long days. I do having all the required things like UAN no, PF account no and all but not able to view my passbook in any kind of pf portal and because of that not able to withdraw my pf amount. I took many possibility action to solve my issue as mentioned but no result, even I ring(phone) at pf office Ambattur, Chennai many times but waste. i called to the employer too, they said its upto pf office reason other employees had withdrawn pf amount without any issue. FYI, at present I live in Guwahati, Assam.

Therefore do let me know/suggest what things to be done to get result.

Vijay Amrit Rawal
Vijay Amrit Rawal
3 years ago

My grandmother, Late Smt. Sonam Chhokid had saving account and FD accounts with OBC (now PNB). The bank has pre-maturely closed the FDs of my grandmother and on 13.07.2017 and a sum of Rs. 1608471/- was transferred (on vouchers) to the account of Smt. Chhime (her daughter) without the presence of account holder (Late Smt. Sonam Chhokid). Smt. Chhime has done these transactions with the help of Bank officials. It is pertinent to mention here that Smt. Sonam Chhokid was illiterate and through thumb impression she used to do bank transactions as per the guidelines of RBI for illiterate persons. Now bank is saying that they have done all things right. I have requested the bank for the vouchers, witness etc. Through RTI, but they denied. As now she is no more, can her legal heir get the details through RTI?

Vijay Amrit Rawal
Vijay Amrit Rawal
Reply to  Jagoinvestor
2 years ago

My father is legal heir here. I have submitted a complaint in RBI ombudsman. But didn’t get any reply yet. Can I get these documents through RTI?

Vijay Amrit Rawal
Vijay Amrit Rawal
Reply to  Jagoinvestor
2 years ago

My father is legal heir.

devang shah
devang shah
7 years ago

dena bank has given a loan against my land situated at gujarat without giving public notice in any newspaper and has created a charge on my land without following fair practices.
i already file a compalint to the branch ,zonal office and even to head office. but didnt get any reply since 5 months. what should i do to file an RTI?
kindly suggest me.

Kamkt Jain
Kamkt Jain
7 years ago

Hi may I know procedure of appeal. Actually I have handover a rti application in pnb regional office in Rajasthan but didn’t get any reply so please tell me about the appal.

Anjani lal
Anjani lal
7 years ago

Sbi bankers are passing details and my activities to friends and relatives. Can I ask information under RTI from SBI that when and by which bank official looked into my account?

narendra singh
narendra singh
7 years ago

Hi, Manish
i want to file a rti against sbi bank for the information related to a joint account through online portal . can you please guide me that how to file a rti online against sbi bank or it is only possible offline ?

Sahdevsinh m zala
Sahdevsinh m zala
7 years ago

Branch manager not received fees of RTI in branch in cash what can I do ??

Israel Lalropuia
Israel Lalropuia
7 years ago

Hi Manish,
I have a problem in Loan in State Bank of India, the manager told me he will give me a loan but he deny for 5 months. So, can I file RTI in this case.

SUBHANKAR DEBNATH
SUBHANKAR DEBNATH
7 years ago

How to file online RTI against ubi pgdbf exam 2016

Jagoinvestor Admin
Reply to  SUBHANKAR DEBNATH
7 years ago

Hi SUBHANKAR DEBNATH

Procedure of RTI remains the same.

VikramSingh
VikramSingh
7 years ago

greatful Manish ji, for your prompt reply.
pnbhfbl is a company itself and pnb is PSU, a govt. body, so how pnbhfl comes under PSUs?

thanks

VikramSingh
VikramSingh
7 years ago

what will be the RTI application fee for Chandigarh?

thanks
Vikram Singh

VikramSingh
VikramSingh
7 years ago

Is pnbhfl also comes under PSU?
thanks
Vikram Singh

garima
garima
7 years ago

how to file a rti aginst sbi pls guide me

Megha
Megha
7 years ago

I filed a rti to get a bank account details but they denied to give it. Can they deny or they should give the details ?

Sagar
Sagar
7 years ago

Sir, mera exam tha abhi jr agricutural clerk asstiatant in sbi held on 22-5-2016
in exam centre by mistake my some document leave in other student bag
This student is setting with me i know his name and roll no and also centre name and lab no and system no
Please help me
M kaise uska address aur phone le sakta hu sbi recturment board se

Nirav
Nirav
8 years ago

Hi Manish,

Need your help .. I have filed RTI application against HDFC bank asking details of investigation done to my complain towards Bank.

But Bank denies telling that RTI is not applicable to them.
Can please guide me on same.

Vivek
Vivek
8 years ago

Hi Manish,
Compliments for an excellent service. Just one query please. Our SBI shifted 15 kms away without any communication to its customers in 1st week of April, ie at start of financial year. Our lockers were surrendered within a month and refund sought as this was due to the bank relocating. But they are refusing and apparently want to recover Mallya’s money from the middle class. Is there a case for filing an RTI?

Abhishek
Abhishek
8 years ago

Hi Manish,
I ve gone thru most of your responses.. I had faced a situation and would like to know info on it.
1. SBI – Jajpur Road Main branch, odisha.
I went to the branch to avail two wheeler loan, aftr collectng all relevant docs reqd, mentioned on there official website. I also spoke to there customer support line who confirmed the availabilty of my loan request at any of sbi branch in India. To my utter surprise, the bank pepl denied completely without even looking at my docs saying sbi dont gve two wheeler loan.
I had nothing to do but depart. If the bank dont provide such services why then they are falsely marketing at tbere web site. Can i file RTI on it.
2. I went to Canara bank, and the bank manager after looking carefully at all required docs said u r eligible and qulified for loan but since u r not resident of odisha jajpur, we cant provide loan. Infact I had arranged the house rent agreement, electricity bill of land lord and a letter from my co.s HR i.e. Jindal Steel Ltd, certifying my local address, still he denies. Does the branch manager have authority to deny in such circumstances. Can i file RTI on it.
pl guide.

Abhishek
Abhishek
Reply to  Jagoinvestor
8 years ago

Thanks a ton manish!

nagaraju
nagaraju
Reply to  Jagoinvestor
8 years ago

hello sir,i wrote SBI SPECIALIST OFFICER EXAM but they didn’t revealed the cutoff marks and marks also,how can i know it through RTI, i tried plz

tanuj
tanuj
8 years ago

hello manish i want to file an rti against sbi regarding 2014 waiting list of gujarat assistant vacancies that how many post were filled and how many were left vacant i am asking this bcoz sbi has recruited from many states ex mp,tamil nadu,karnataka,jharkhand…so why the waiting list was not issued in gujarat even though their were 500 vacancies approx..kindly please reply i will be very thankful.

Tanuj
Tanuj
Reply to  Jagoinvestor
8 years ago

The problem is which under which ministry I have to file..bcoz when I was filing online their was no option of sbi…their wete options like lic infact indian bank tooo…but not sbi

Tanuj
Tanuj
Reply to  Jagoinvestor
8 years ago

Ok thanks manish I already did yesterday I selected financial services and instead of rbi I again selected financial services…I guess I have to do it again..?

Mamnoon
Mamnoon
8 years ago

Sir, I have a Salary bank account in Canara Bank since 2014. In the month of August 2015, a sum of Rs 4400/ were transfer from my salary account to my employer without any information by the bank itself..What should I do to refund my money?