State Bank of India charged interest on subsidy amount for more than three months after receiving letter of deputy commissioner industry


S.B.I. deducted M.I. of amount Rs.8200 from cash credit account of Sudarshan arbitrarily without adjusting margin money into term loan account

Grievance Status for registration number : GOVUP/E/2023/0036379

Grievance Concerns To

Name Of Complainant

Mahesh Pratap Singh alias Yogi M. P. Singh

Date of Receipt

06/06/2023

Received By Ministry/Department

Uttar Pradesh

Grievance Description

Here I am providing a model proof of corruption is being faced by the borrowers. Here we consider the example of Sudarshan Maurya S/O Brij Lal Maurya who paid interest on subsidy of more than three months even after providing subsidy letter of deputy commissioner industry, district industries centre Mirzapur to Branch Manager.

प्रकरण में सम्बंधित से आख्या प्राप्त कर निस्तारण हेतु प्रेषित है आख्या संलग्न है आपका प्रकरण इस कार्यालय से संबंधित नहीं है

Who will pay the detriment suffered by Sudarshan Maurya by paying the interest of four months with mental and physical harassment as well. Here with details are attached.

The matter concerns the deputy commissioner industry, district industries centre Mirzapur addressed to Branch Manager, State Bank of India, District-Mirzapur. Handwritten. Application date-04/11/2022 submitted to Branch Manager. Unfortunately, no action was taken by the branch manager concerned.


Letter number-1250 dated-03 November 2022 in regard to adjustment of margin money claim of the applicant attached as the first page of the attached PDF document to the grievance.


According to concerned staff of the State Bank of India, the margin money provided by the government will be merged into your accounts if you will close this account and take mudra loan to proceed with your business activities.


But the applicant is no more interested with the cumbersome and cryptic proceedings of the bank.


Now the applicant wants to draw the kind attention of the Honourable Sir to the circular of Khadi and Village Industries Commission 3, Irla Road, Vile Parle West, Mumbai, 56


Circular number-PMEGP/MM subsidy/Adjustment/2012-13/23 dated 07 May 2012


Vide last para of attached PDF document which states as


The average working capital availment should be calculated over a period beginning with the first withdrawal of the cash credit and ending on the completion of the three year period from the date of the first disbursement of the loan i.e. term loan or date of ending of lock-in period whichever is earlier.


This categorically implies that now they must merge the margin money in the term loan account of the applicant.


It is most unfortunate that the State Bank of India is run by arbitrary rules and regulations made by its administrative staff for its own convenience.


Moreover, they have deducted monthly interest i.e. M.I. of amount Rs.8200 from my cash credit account arbitrarily with adjusting the margin money into my term loan account. It reflects the tyranny and arbitrariness in the working of the state bank of India which only promotes corruption, and its sole victims are innocent gullible consumers of the bank. Entire relevant documents are attached to the grievance.

Grievance Document

Current Status

Grievance received   

Date of Action

06/06/2023

Officer Concerns To

Forwarded to

Uttar Pradesh

Officer Name

Shri Bhaskar Pandey (Joint Secretary)

Organisation name

Uttar Pradesh

Contact Address

Chief Minister Secretariat , Room No. 321, U.P. Secretariat, Lucknow

Email Address

bhaskar.12214@gov.in

Contact Number

05222226350

 Grievance Status for registration number : GOVUP/E/2023/0031647

Grievance Concerns To

Name Of Complainant

Mahesh Pratap Singh alias Yogi M. P. Singh

Date of Receipt

15/05/2023

Received By Ministry/Department

Uttar Pradesh

Grievance Description

The matter concerns Deputy commissioner Ashok Kumar, industries and promotion of industries District-Mirzapur. Communication dated 03/05/2023 addressed to District Magistrate Mirzapur in regard to complaint of the applicant.

An application under Article 51 A of the constitution of India on behalf of borrowers to make enquiry regarding the arbitrariness and tyranny originated from deep rooted corruption in the prime minister employment scheme for the unemployed youth. The applicant makes the following enquiry to the concerned accountable staff of the district industrial department.

1-Government provides the subsidy under the prime minister employment scheme. This subsidy is merged by the concerned Bank from which the unemployed youth borrows the money under the scheme. Various cunning tricks are adopted to Harass borrowers by the concerned department in merging the subsidy provided by the government which is the main concern of the borrowers.

Please provide the measures taken by the department to provide the subsidy to the borrowers in their respective accounts.

2-Provide the numbers of borrowers whose 2 years have passed since the date they have borrowed the money from the banks under the prime minister employment guarantee scheme in 5 years.

3-Provide the number of borrowers whose subsidy is still not merged in their accounts and also provide the reason for it.


4- Various borrowers are complaining about the demand of illegal gratification in order to merge the subsidy by the concerned public staff and if the convenience charges are not made they are procrastinating in merging subsidy to their accounts.


Please provide the transparency mechanism adopted by the accountable staff in order to curb such illegal practices. This is my humble request to the concerned staff to ensure the reach of the public assistance to the needy in a transparent and accountable way. The delay in the merging of the subsidy causes extra burden of the interest on the borrowers which must be avoided by the accountable staff of the district industrial management department.


श्रीमान जी प्रकरण का संबंध गरीब बेरोजगारों से है जो किसी ढंग से जीविकोपार्जन कर रहे हैं प्रधानमंत्री स्वरोजगार योजना के तहत ऋण लेकर यदि उनकी सब्सिडी समय से उनके खाते में मर्ज नहीं होगी तो उनके सामने बहुत बड़ा संकट पैदा हो जाता है और उनके ऊपर बैंक ब्याज का अनावश्यक बोझ बढ़ जाता है इसलिए आप उचित कार्यवाही करके इन गरीब बेरोजगारों की मदद करें सब्सिडी मर्ज करने का प्रोसेस पारदर्शिता और जवाबदेही से भरा होना चाहिए किंतु ऐसा हो नहीं रहा है मनमाने तरीके से सब्सिडी रोकी जा रही है और परेशान बेरोजगार एक ऑफिस से दूसरे ऑफिस का चक्कर लगा रहे हैं

Now the applicant wants to draw the kind attention of the Honourable Sir to the circular of Khadi and Village Industries Commission 3, Irla Road, Vile Parle West, Mumbai, 56


Circular number-PMEGP/MM subsidy/Adjustment/2012-13/23 dated 07 May 2012


Vide last para of attached PDF document which states as


The average working capital availment should be calculated over a period beginning with the first withdrawal of the cash credit and ending on the completion of the three-year period from the date of the first disbursement of the loan i.e. term loan or date of ending of lock-in period whichever is earlier.


This categorically implies that now they must merge the margin money in the term loan account of the applicant.


It is most unfortunate that the State Bank of India is run by arbitrary rules and regulations made by its administrative staff for its own convenience.


Moreover, they have deducted monthly interest i.e. M.I. of amount Rs.8200 from my cash credit account arbitrarily with adjusting the margin money into my term loan account. It reflects the tyranny and arbitrariness in the working of the state bank of India which only promotes corruption, and its sole victims are innocent

Current Status

Case closed   

Date of Action

05/06/2023

Remarks

प्रकरण में सम्बंधित से आख्या प्राप्त कर निस्तारण हेतु प्रेषित है आख्या संलग्न है आपका प्रकरण इस कार्यालय से संबंधित नहीं है

Rating

1

Poor

Rating Remarks

S.B.I. deducted M.I. of amount Rs.8200 from cash credit account of Sudarshan arbitrarily without adjusting margin money into term loan account. The matter concerns the deputy commissioner industry, district industries centre Mirzapur addressed to Branch Manager, State Bank of India, District-Mirzapur. Handwritten. Application date-04/11/2022 submitted to Branch Manager. Unfortunately, no action was taken by the branch manager concerned. Letter number-1250 dated-03 November 2022 in regard to adjustment of margin money claim of the applicant attached as the first page of the attached PDF document to the grievance. According to concerned staff of the State Bank of India, the margin money provided by the government will be merged into your accounts if you will close this account and take mudra loan to proceed with your business activities. But the applicant is no more interested with the cumbersome and cryptic proceedings of the bank.

Appeal Details

Appeal Number

Date of Receipt

Appeal Text

Current Status

Officer Concerns To

Officer Name

Shri Bhaskar Pandey (Joint Secretary)

Organisation name

Government of Uttar Pradesh

Contact Address

Chief Minister Secretariat , Room No. 321, U.P. Secretariat, Lucknow

Email Address

bhaskar.12214@gov.in

Contact Number

05222226350

To see the attached document to the grievance, click on the link

Beerbhadra Singh

To write blogs and applications for the deprived sections who can not raise their voices to stop their human rights violations by corrupt bureaucrats and executives.

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