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Registration Number PNBNK/A/E/23/00685

Name Yogi M P Singh

Date of Filing 20-10-2023

Appeal filed with Punjab National Bank

 Contact Details  

Telephone Number 01128044540

Email Id mohansingla@pnb.co.in

Online RTI Appeal Form Details

RTI Appeal Details:- 

RTI Appeal Registration number PNBNK/A/E/23/00685

Public Authority Punjab National Bank 

Personal Details of Appellant:-

Request Registration Number PNBNK/R/E/23/02354

Request Registration Date 23/09/2023

Name Yogi M P Singh

Gender Male

Address Surekapuram colony , Shri Laxmi Narayan Baikunth Mahadev Mandir, Riva Road, Mirzapur city

Country India

State Uttar Pradesh

Status Urban

Educational Status Literate

  Above Graduate

Phone Number Details not provided

Mobile Number +91-7379105911

Email-ID yogimpsingh[at]gmail[dot]com

Appeal Details :-

Citizenship Indian

Is the Requester Below Poverty Line ? No

Ground For Appeal Provided Incomplete,Misleading or False Information

CPIO of Public Authority approached CO Bulandshahr Sujeet Chaudhary

CPIO's Order/Decision Number Details not provided

CPIO's Order/Decision Date

(Description of Information sought (upto 500 characters)

Prayer or Relief Sought

I think that the appellant has submitted the appeal before the regulatory body Reserve bank of India in similar matter which must be pursued by the first appellate authority of the Punjab National Bank Bulandshahr Circle. CPIO Under pint two 3 and 4 denied information because the appellant has not provided any account number, but it is noticeable that appellant has provided the account number with the documentary evidence as well. It is quite obvious that there is no available mechanism in the nationalized bank Punjab National Bank to curb the corruption in the department which is a consequence of the big defaulters like Nirav Modi, Mehul Choksi and Vijay Mallya etc. As far as transparency and accountability is concerned you did not provide any information to the information seeker concerning your working which is a mockery of the provisions of the right to information act 2005. This bank has exceeded the limit of corruption, and the government is not taking action is a burning question.

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An appeal under subsection 1 of section 19 of the right to information Act 2005.

Sought information of the appellant, reply of the central public information officer and submissions of the appellant are as follows.

An application under subsection 1 of section 6 of the right to information 2005 on behalf of Smt Rajesh Sharma wife of Late army personnel Brij Nandan Sharma to seek information from the regulatory body of the financial institutions in this country i.e. Reserve Bank of India. 

The staff of the bank search for deliberate-cunning tricks to harass a woman because of corruption by misusing SARFAESI Act 2002 and violating the the RBI Master Circular on wilful defaulters vide RBI circular (RBI/2014-15/73 DBR.No.CID.BC.57/20.16.003/2014-15 dated July 1, 2015) SARFAESI Act proceeding can be issued even without notice to the borrower.

Central public information officer of the Reserve Bank of India may provide the following information to the information seeker point wise as follows. 

1-Can Punjab National Bank auction the house of the applicant if there may be a balance of Rs.50 in C.C. Account of the applicant by misusing provisions of SARFAESI Act 2002?

Please provide a reasonable reply as Right to reason is the indispensable part of the sound administrative system.

Reply of the central public information officer is as follows.

What is being sought is an opinion not information as defined under subsection f of section 2 of the right to information act 2005.

Submission of the appellant is as follows.

The matter concerns the flexibility in the provisions of the SARFAESI Act 2002 before the central public information officer of the regulatory body which cannot be overlooked by the officer by taking the recourse that it is an opinion because SARFAESI Act 2002 provides the tremendous power to the secured creditors which are being misused by the banking institutions to promote the corruption in their working. Vijay Mallya, Nirav Modi and Mehul Choksi are its burning examples and big defaulters of the Punjab National Bank. Not a single coin could be recovered from them but on the other side of the screen Punjab National Bank is harassing tiny borrowers. 

2-If the staff of the bank verified the stock in the year to cycle 2017 during the sanction of the loan and in the year 2022 during the renewal of the loan found the same, how can Punjab National Bank may cancel the renewal application in the name of insufficient stock? 

Provide the mechanism available to the reserve of India against such corrupt practices of the Punjab National Bank.

Reply of the central public information officer is as follows.

What is being sought is an opinion not information as defined under subsection f of section 2 of the right to information act 2005.

Submission of the appellant is as follows.

Even a common man will reply in it that it is illegal and not possible and if it has been done by the Punjab National Bank then it is corrupt practice and it must be curbed by the regulatory body. Undoubtedly later you provided the mechanism, but you did not provide the information concerning the corruption in the banking institution which is obligated duty of the Reserve Bank of India to curb it. Central public information officer might reply as no it is not feasible and to curb such practices detail mechanism is as follows. This shows the incompetence of the central public information officer.

 

3-Provide the provision of SARFAESI Act 2002 which allows auction notice in 2019 then renewal of C.C. Account and then one more auction notice in 2023 without due proceedings of law. Please provide the number of auction notices that can be served to a borrower for the auction of the mortgage and the interval of time between them.

Reply of the central public information officer is as follows.

What is being sought is an opinion not information as defined under subsection f of section 2 of the right to information act 2005.

Submission of the appellant is as follows.

Central public information officer of the regulatory body had to say in its reply single notices would be served under SARFAESI Act 2002 thereafter reminders may be if compulsory are issued but he had to conceal information as established practice which is the root cause of the denial of the information concerning with the deep rooted corruption in the banking institution. This is the root cause reserve buying of India is failed to curb the corruption in the financial institutions which has reached at the zenith.

4-Provide the provision of SARFAESI Act 2002 which allows the chief manager to serve multiple arbitrary notices to the borrower by the chief manager Punjab National Bank as done in this case.

Reply of the central public information officer is as follows.

What is being sought is an opinion not information as defined under subsection f of section 2 of the right to information act 2005. 

Submission of the appellant is as follows.

Central public information officer of the regulatory body had to say in its reply No such provisions exist under SARFAESI Act 2002, only single notice is served thereafter reasoned reminders may be if compulsory are issued but he had to conceal information as established practice which is the root cause of the denial of the information concerning with the deep rooted corruption in the banking institution. This is the root cause reserve buying of India is failed to curb the corruption in the financial institutions which has reached at the zenith.

 

5-It must be noted that the applicant from 27-10-2021 to 02-08-2023, has Deposited 3067312.83 Lack In PNB CC account - 0069008700013264. Punjab National Bank did not renew C.C. Loan by arbitrarily saying agency submitted stock Rs.704890 however Om Gas Agency has stock Rs.70 Lakhs.

 

Please provide the provision of law which gives the arbitrary powers to the chief manager of Punjab National Bank to deal with the renewal application of the applicant Also provide information how the Regulatory body Reserve Bank of India curb such unlawful practices. Please made available the mechanism.

Reply of the central public information officer is as follows.

What is being sought is an opinion not information as defined under subsection f of section 2 of the right to information act 2005.

Submission of the appellant is as follows.

How can it be justified to deny every information concerning with the corruption in the working of the banking institutions by their regulatory body reserve bank of India? It is quite obvious that Punjab National Bank through its chief manager Bulandshahr is keeping the rights of women belonging to vulnerable section at the bay.

Transparency and accountability is a must in the dealings of the regulatory body Reserve Bank of India so the central public information officer of the RBI must provide sought information.

Widow of army personnel paid Rs.4087020 against cash credit loan account balance Rs.4350939.07 to Punjab National Bank after O.T.S. still exploitation of woman through mental and physical torture by cancelling renewal application arbitrarily.