Branch manager Punjab National Bank did not renew CC account of widow of army personnel but deemed it like NPA by overlooking norms

Grievance Status for registration number : DEABD/E/2023/0055162

Grievance Concerns To

Name Of Complainant

Smt Rajesh Sharma

Date of Receipt


Received By Ministry/Department

Financial Services (Banking Division)

Grievance Description

Financial Services (Banking Division) >> Deficiency in Customer Service Related >> Delay in Service

Bank : Punjab National Bank

Branch / Name of Bank and Branch : PNB Civil lines, Bulandshahr, Uttar Pradesh


The applicant is an army personnel widow Whose husband expired in the year 2013 having the responsibility of 2 daughters and one son and now near about 56 years old. If expelled from house, we will come on the road.

Prayer-Illegal auction notice of house of widow dated 19 July 2023 and date fixed for auction on 22 Aug 2023 by branch manager moreover without any notice on 03 Aug 2023. Please restrain him and proper enquiry may be ordered in the matter against B.M.

Short submissions of the matter is as follows.

1-The applicant/widow army personnel has requested to the branch manager concerned who is posted in the concerned branch for many years for the renewal of the cash credit account CC account - 0069008700013264. Honourable Sir may be pleased to take a glance at the first page of the attached PDF document to the grievance

2- 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. Which shows the positive approach of the applicant to pay the debt of the bank. Vide page 2 and 3 of the attached PDF document.

3-The applicant wants to draw the kind attention of the senior rank officers to the auction notice published in the e- news of the Amar Ujala daily which tells the time of auction is on 03 August 2023 between 11 o clock in the morning to 04 o clock in the evening. Vide fourth page of attached PDF document. The applicant was not served any notice regarding it so it is arbitrary action on the part of the bank.

4- Right to reason is the indispensable part of the sound administrative system as quoted by the honourable apex court of India in its various judgements. Under Article 51 A of the constitution of India the applicant wants to know the action taken by the branch manager on the renewal application of CC account and if rejected then provide the reason of rejecting my application.

Branch manager is hatching conspiracy to expel the widow of the army personnel from her own house.

Grievance Document

Current Status

Under process   

Date of Action


Officer Concerns To

Officer Name

Shri Sanjeev Kumar Dhupar (General Manager)

Organisation name

Punjab National Bank

Contact Address

Corporate Office Plot No 5, Sector -32, Gurugram, Haryana

Email Address

Contact Number


Reminder(s) / Clarification(s)

Reminder Date



OM GAS AGENCY Panni Nagar, Near Sugar Mill




branch manager bank

Civil Lines Bulandshahr ( 203001)

Subject :- Regarding renewal of CC account no.0069608700013264.


It is to be informed with respect that Om Gas Agency was approved by Bharat Petroleum Corporation (Ltd.) in the year 1999 in the name of my (disabled military serviceman) Late Shri Vraj Nandan Sharma under the quota of disabled military serviceman. After his death, being his wife (widow), BPCL transferred the agency to me, which I am running.

I am running the business of Om Gas Agency satisfactorily from your bank for a long time. Keeping in view the satisfactory/smooth business of the agency, on my request you had sanctioned the CC of Rs.50 (fifty) lakhs. Whose operation was going on smoothly. Due to some unavoidable reasons the explosive license of the agency could not be renewed. Due to which BPCL stopped the supply.

Due to Corona (Covid-19) in the middle of two years, due to the advice of doctors / government, she could not go out due to old age. Due to which there was delay in renewal of explosive license. I kept contacting the officials of Explosives Department through telephone/mobile. Explosive office renovation done on 20/07/2021. Photocopy is attached for ready reference. After which BPCL was requested to start the supply. It became operational in November 2021 with continuous efforts. Gas supply started from 02-11-2021 (photocopy of invoice number 4631046833 dated 02-11-2022 is attached)

During this period from 8/2019 to October 2021, due to the closure of the business and no solid source of income, I could not make full payment of the interest of CC. It is notable that I have deposited an amount of Rs 13,50,201 in the CC account in the last 6 months on time-2. Willing to pay the balance interest amount. I will continue to pay interest continuously in future and will also try to deposit small amount in principal from time to time.


Therefore, it is a humble request to you that due to being a widow (wife) of a disabled military servant and having no other solid means of livelihood, agency operation is essential. Kindly considering sympathetically please renew the CC.


Yours faithfully

For Om Gas service. (Rajesh Sharma)

Proprietor Om Gas Agency, Bulandshahr

Please order an enquiry to check the conduct of the branch manager who humiliated the applicant and her adolescent daughter and expelled from his office which may be verified from CCTV footage of the branch office.

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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