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Registration Number PNBNK/A/E/23/00631
Name Smt Rajesh Sharma
Date of Filing 25-09-2023
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/23/00631
Public Authority Punjab National Bank
Personal Details of Appellant:-
Request Registration Number PNBNK/R/E/23/02111
Request Registration Date 24/08/2023
Name Smt Rajesh Sharma
Gender Female
Address W/O Brij Nandan Sharma , Om Gas Agency, KHURJA ROAD, SARAI LOCHGAN PANNI NAGAR, BULANDSHAHR
Country India
State Uttar Pradesh
Status Urban
Educational Status Literate
Phone Number Details not provided
Mobile Number +91-9412387549
Email-ID smtrajeshsharma11[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
Appeal document is attached to this online appeal submission. Please take the perusal of the appeal to act against the violators of provisions of Right to Information Act 2005.
Sought information 1-Can you auction the house of the applicant if
there may be balance of Rs.50 in C.C. Account of the applicant by misusing
provisions of SARFAESI Act 2002?
Please provide reasonable
reply as Right to reason is the indispensable part of the sound administrative
system.
Central public
information officer of the Punjab National Bank replied as follows-
Bank only auctions the
security whether it may be house or other through legal process.
Submission-Honourable Sir the
appellant has not asked them what is auctioned under SARFAESI act 2002? Because
the appellant knows well that the securities are auctioned under the act.
Sought information 2-Please
provide the name and designation of the staff of the bank who verified the
stock in the year 2017 during the sanction of the loan and in the year 2022
during the renewal of the loan.
Central public
information officer of the Punjab National Bank replied as follows-
According to the
central public information officer of the Punjab National Bank this information
is exempted from disclosure under subsection 1d of Section 8 and under
subsection 1 j of Section 8 of the right to Information Act 2005.
Submission-Subsection 1 d of Section
8 of the right to Information Act 2005 states as-
information including commercial confidence,
trade secrets or intellectual property, the
disclosure of which would harm the
competitive position of a third party, unless the competent
authority is satisfied that larger
public interest warrants the disclosure of such information.
Subsection 1 (J) of Section 8 of the
right to Information Act 2005 states as-information which relates to personal
information the disclosure of which has no relationship to any public activity
or interest, or which would cause unwarranted invasion of the privacy of the
individual unless the Central Public Information Officer or the State Public
Information Officer or the appellate authority, as the case may be, is
satisfied that the larger public interest justifies the disclosure of such
information:
Provided that the information which
cannot be denied to the Parliament, or a State Legislature shall not be denied
to any person.
The factual position is that no one
checked the stock of the om gas agency on the part of the Punjab National Bank
and Punjab National Bank has provided a fabricated stock valuation which has no
authentication. Neither stock was verified in the year 2017 nor in the year
2022.
Here renewal application has been
made by the information seeker itself so this information does not concern with
any other person as far as name and designation of the staff are concerned
which must be disclosed to promote transparency and accountability in the
working of the public authority which is the object of Right to Information Act
2005.
Here public authority is not
disclosing the information because they are frightened that if the information
will be disclosed in public domain their corruption will be exposed which is
the root cause they are avoiding disclosure of information. Please direct them
to disclose the information in the interest of justice.
Sought information 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.
Central public
information officer of the Punjab National Bank replied as follows-
According to the
central public information officer of the Punjab National Bank-bank starts
SARFAESI process to recover the dues of the bank from the sale of securities.
Submission of the appellant-Here
sought information concerns with the multiple notices are being issued by the
chief manager which reflects tyranny and arbitrariness in the working and
violations of the provisions of the SARFAESI act.
They have no support of the
provisions of law for their arbitrary action which promotes corruption in the
department. Tyranny and arbitrariness always open the gate of corruption.
Sought
information 4-Provide the provision of SARFAESI Act 2002 which allows chief
manager to serve multiple arbitrary notices to borrower by chief manager as
done in this case.
Central public
information officer of the Punjab National Bank replied as follows-
According to the
central public information officer of the Punjab National Bank, chief manager
is authorised to issue notice under SARFESI act 2002. Whenever account is classified
as NPA and authorised official starts SARFAESI act process.
Submission of the appellant-everyone
knows that under SARFAESI act 2002 multiple notices are not allowed which is
the root cause, they have provided a misleading reply. It is quite obvious that
central public information officer could not provide Provisions of law which
allow chief manager of the Punjab National Bank to issue multiple auction
notices.
Please act against the central public
information officer who provided misleading and round about reply to the
information seeker which is the violation of provisions of right to Information
Act 2005.
According to K K Thakur, Chief
Manager Inspection and Audit, CO: Bulandshahr-
1-It does not matter whatever amount
you have deposited as the account is still in NPA category, so legal action can
be taken as per bank norms.
2-Your account is NPA since
29-05-2019.
3-Then upon borrower request
Competent (Circle Sastra) allowed operation in your Current account on
13-12-2022 under tagging arrangement @ 15% for Cash Credit Account which was
valid for 6 months.
4-Competent Authority (PLP RAM)
renewed your limit last year but due to unavailability of sufficient stock
operation was not possible in CC account.
5-Bank has sympathy for you, but Bank
only act as per the norms only.
6-As last stock statement submitted
by you is of only Rs. 704890. Hence the operation cannot be permitted.
An enquiry under Article 51 A of the
constitution of India regarding corrupt dealings of Bank.
1-Can you auction the house of the
applicant if there may be balance of Rs.50 in C.C. Account of the applicant by
misusing provisions of SARFAESI Act 2002?
2-After O.T.S., you did the renewal
temporarily and applicant submitted renewal application. According to rule, you
had to pursue the procedure of law to make the loan N.P.A. but you have not
followed but making mockery of provisions of SARFAESI Act 2002?
3 and 4-As one time settlement was
fulfilled by the applicant.
5-In 2017, bank granted C.C. Loan on
the same stock and in renewal application they are questioning stock. Whether
integrity of Bank staff is not under cloud? Whether it is not corruption?
6-The stock statement submitted by
the applicant is of Rs.7025416 obvious from report of chartered accountant
dated 20 Oct 2022. Vide page 1 of the attached PDF document to the grievance
supported by Stock verification report of staff of Bharat Petroleum Corporation
Limited as page 2.
To curb the process of renewal is the
part of cryptic and mysterious dealings of the corrupt staff of the Punjab
National Bank obvious from their incredible dealings in the matter.
Undoubtedly it is too much surprising
that the same stock was sufficient stock in the year 2017 when the cash credit
loan was sanctioned by the bank staff and now when the renewal application was
submitted then this stock has been insufficient stock. This implies that for
the sufficient stock, sympathy of the bank staff is must and to garner their
sympathy everyone knows that what the applicant should do? No doubt the
applicant is a credible customer of the bank and no loss to the bank because of
the applicant but the bank staff because of corruption harassing a vulnerable
lady.
This is a humble request of the widow
of an army personnel to order an enquiry into the matter of deep-rooted
corruption so that rights of a woman may be safeguarded, and her exploitation
may stop.
The staff of the bank search
deliberate-cunning tricks to harass a woman because of corruption.
Supporting document (only pdf upto 1 MB)
Enter Registration Number PNBNK/A/E/23/00631
Name Smt Rajesh Sharma
Received Date 25/09/2023
Public Authority Punjab National Bank
Status RTI APPEAL RECEIVED
Date of action 25/09/2023
First Appellate Authority Details :- Details not provided
Nodal Officer Details :-
Telephone Number 01128044540
Email Id mohansingla[at]pnb[dot]co[dot]in