Upgrad LLM

need help in rti application


SIR I NEED TO THIS RTI APPLICATION TO MANY BANKS.PLEASE CHECK AND LET ME KNOW THIS IS RIGHT FORMAT AND HOW I CAN I MAKE MORE EFFECTIVE THIS RTI APPLICATION.ANY EDIT I NEED TO DO.

 

With Rged with AD.                                10STAMP

To,

The Public Information Officer

BANK NAME

ADD.

 

 

 

Sub: - Information on Loan Products and Disbursement procedure of loan products under Right to Information ACT 2005.

Dear Sir/Madam,

The applicant is a citizen of India. Kindly provide me the requested information under Right to Information ACT 2005.

1)      Information REGARDING criteria for choosing customers for providing Loan Products (Credit Card, Personal Loan, Home loan etc.)

2)      Information REGARDING documents being collected to prove the eligibility for the same.

3)      Information REGARDING the steps/procedure to check the authenticity of the individual and the documents provided.

4)      Information REGARDING time (max and min) to take decision (approve/decline) the application?

5)      Information REGARDING basis of declining or approving an Application and does the reason for declining is being made available to the applicant.

6)      Information REGARDING KYC norms and how they are followed are they applicable to specific Loan Products or to each and every one.

 

Kindly note that I am not seeking personal information which would compromise the privacy of any individual OR which would affect your competitive position.



To the best of my knowledge the information sought does not fall within the restrictions contained in Section 8 and 9 of the Act and it pertains to your office.

Thanks to please provide me this information as it will be very useful to understand the Banking fraternity and loan products of bank.

 

Thanks and Regards

 

NAME

ADD

 
Reply   
 
Advocate

You should also mention that you have
paid the requisite fees as per the act and you are ready to bear the
necessary expenses such as photocopying etc that are going to be
incurred for supply of inforamtion(only if you called for copies ofsome record).

 
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advocate/legal consultant

The expenses incurred for providing the information is hereby submitted  by me in the form of a demand draft/challan.

 
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SIR SOME OF MY FRIEND SAYS I CAN'T ASK INFORMATION  UNDER RTI ACT 2005 FROM PRIVATE BANKS.ITS TRUE SO HOW CAN I ASK INFORMATION FROM PRIVATE BANKS.

 
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Advocate

Information cannot be asked from a private bank, as the act is applicable to public authorities only. It is certain that a private bank is not a public authority.


Is a public sector bank is a public authority? The point is debatable. merely because the state is engaged in providing a commerecial activity on commercial terms, it becomes difficult to put them into the definition of "public authorities".


Many a times even a private person can be a public authority. There are many cases where a writ petition has been entertained against private persons, like private school or hospitals, when it was found that they were discharging public functions.


All the banks enjoy/excercises certain public power with respect to debt recovery- in those functions the banks work as public authorities and they will be amenable to RTI.


Slightly tedious issue- will be decided in course of time by judicial pronouncements.  

 
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RTI & CONSUMER ACTIVIST

Only public sector banks are covered by RTI. Private sector banks can be accessed through RBI under section 2(f) of RTI Act.
 
Reply   
 
advocate

As such there is specific format but some authorities in their respective cites has posted respective formats please see those.


But on the first phase go through Mr : Rajesh Kumar's comments other wise your exercise will become fruitless.

 
Reply   
 

Initially, a format for making application had been prescribed (Form "A") and the same was appended at the end of the RTI Act,2005.


Subsequently, for the convenience of the common man, it has been allowed to write in a plain paper seeking your information under R.T. Act, 2005.


The important points needed in the Application are as follows: 


APPLICATION FOR SEEKING INFORMATION UNDER R.T. ACT, 2005.


                                   In Person/ (or) preferably by Registered Post with A.D.


To                                 for future legal action to be taken if necessary.


The Public Information Officer/ Head of the Department


Name of the Bank,


Name of the City


Name of the District


Name of the State


Name of the Country


Pin code No. (if available)


1.  Name of the Applicant with full POSTAL ADDRESS


2. Name of the Department: (from where you wish to get the information)


3. Particulars of information required: (Subject in Brief)


4. Details of Information required: (e.g. Statement of Account, Voucher Copy etc.,etc.,


5. Period for which the information is sought for: (i.e. for the period from 1996-2008 etc., etc.,


6. A fee of Rs.10/- has been paid directly in the office vide Receipt No.     Date


    or sent through Demand Draft/Postal order vide  No.          Date.


7. Please furnish me the required information under the eligible provisions of


    the R.T. Act, 2005.


8. Necessary photo copy of the receipt for having paid the Application fee is


    enclosed herewith for favour necessary action.


     Date:                                                                                         Yours faithfully,


     Station                                                                          (Signature of the Applicant)


 


The above format will be sufficient for seeking information under R.T. Act, 2005


 


                                 

 
Reply   
 
XYZ

complecated issue, i would like to invite experts to comment on this topic.

 
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we need copies of articles of association of icici bank & ICICI General insurance compnay under RTI Act 2005

how do i proceed

shall i visit the ICICI Bank in person ro approach through the RBI officer

please help

regards

kumar

 

 

 
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