[AI] Punjab National Bank

Chetan Sharma chetansharma at obc.co.in
Fri Jul 6 01:21:28 EDT 2007


i think their website is www.rbi.org.in

----- Original Message ----- 
From: "Rakesh Kumar Gupta" <rkgd1964 at yahoo.co.in>
To: <accessindia at accessindia.org.in>
Sent: Friday, July 06, 2007 3:43 AM
Subject: Re: [AI] Punjab National Bank


> The person, who gave me it, requested me, not to disclose it because he
> managed it secretly from his office.
> So, if anyone has website address of RBI, please give me.
> Thanks in advance.
> Regards,
> Rakesh.
> ----- Original Message ----- 
> From: "rajesh asudani" <rajeshasudani at rbi.org.in>
> To: <accessindia at accessindia.org.in>
> Sent: Thursday, July 05, 2007 11:09 AM
> Subject: Re: [AI] Punjab National Bank
>
>
>> If it is a circular issued by RBI, what is so secret about it?
>>
>> I will surely dig the matter and bring them into open, provided there are
>> some guidelines on the subject in addition to IBA's.
>>
>> Write under RTI act to RBI Mumbai, and they will send the same in thirty
>> days, no?
>>
>> Rajesh
>> ----- Original Message ----- 
>> From: "Rakesh Kumar Gupta" <rkgd1964 at yahoo.co.in>
>> To: <accessindia at accessindia.org.in>
>> Sent: Wednesday, July 04, 2007 11:03 PM
>> Subject: Re: [AI] Punjab National Bank
>>
>>
>>> Hi Harish and All,
>>> I may confidently tell you that some guidelines were issued to all
>>> national
>>> and private banks by RBI related to issue of cheque books to visually
>>> impaired persons in September 2004 because I had also collected a hard
>>> copy
>>> of that circular of guidelines from a secret person.
>>>
>>> Some of main lines are being mentioned here:
>>> "All national and private banks are directed that they are bound to 
>>> issue
>>> the cheque book to all visually impaired account holders, if anyone of
>>> them
>>> demands for it.
>>> Those visually impaired persons are operating their account through 
>>> their
>>> signature, they have no
>>> any restriction.
>>> But those persons are operating their account through Thum Impression,
>>> they
>>> have some restrictions, such as:
>>> 1. They must use their thum impression only in Crossed Cheque and their
>>> thum
>>> impression will be verified by their bank manager.
>>> 2. They can nott issue   self cheque or bearer cheque to any person."
>>> Regards, Rakesh.
>>> ----- Original Message ----- 
>>> From: "harish kotian" <hpkotian at rbi.org.in>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Wednesday, July 04, 2007 11:34 AM
>>> Subject: Re: [AI] Punjab National Bank
>>>
>>>
>>>> Hi
>>>> There is no such guidelines from RBI specifically touching VI, that I
>>>> know
>>>> of.
>>>>
>>>>
>>>> Harish.
>>>>
>>>> ----- Original Message ----- 
>>>> From: "Rakesh Kumar Gupta" <rkgd1964 at yahoo.co.in>
>>>> To: <accessindia at accessindia.org.in>
>>>> Cc: "pamnani" <kanchanpamnani at hotmail.com>
>>>> Sent: Wednesday, July 04, 2007 7:33 AM
>>>> Subject: Re: [AI] Punjab National Bank
>>>>
>>>>
>>>>> Hi,
>>>>> Can anybody give me specific website address for getting RBI 
>>>>> Guidelines
>>>>> regarding various banking facilities specially relating Visually
>>>>> impaired
>>>>> persons such as: opening saving, fixed or other type of accounts,
>>>>> various
>>>>> type of loans etc.
>>>>> Have a nice Time!
>>>>> Regards,
>>>>> Rakesh Kumar Gupta
>>>>> Cell: 9968295921
>>>>> ----- Original Message ----- 
>>>>> From: "pamnani" <kanchanpamnani at hotmail.com>
>>>>> To: <accessindia at accessindia.org.in>
>>>>> Sent: Tuesday, July 03, 2007 6:21 AM
>>>>> Subject: Re: [AI] Punjab National Bank
>>>>>
>>>>>
>>>>>> Rahul,
>>>>>> Please ask them for some circular or rule which says that they cant
>>>>>> give
>>>>>> you
>>>>>> a cheque book etc.
>>>>>> Are you willing to fight this  for about 3 months if so write down
>>>>>> full
>>>>>> details and mail me at
>>>>>> pamnani at vsnl.com
>>>>>>
>>>>>> actually you wont have to fight because i will be doing the
>>>>>> correspondence
>>>>>> but you will have to do everything else like going to the branch,
>>>>>> getting
>>>>>> details,answering questions, following up etc.
>>>>>>
>>>>>> I have decided to take each case on a case to case basis until I have
>>>>>> the
>>>>>> time to take IBA and the CCPD to Court.
>>>>>>
>>>>>> Kanchan
>>>>>>
>>>>>>
>>>>>> ----- Original Message ----- 
>>>>>> From: "Rahul" <rahulgambhir.ster at gmail.com>
>>>>>> To: <accessindia at accessindia.org.in>
>>>>>> Sent: Sunday, July 01, 2007 00:28
>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>
>>>>>>
>>>>>>> hello, respected members
>>>>>>> Nice to see this issue on Access India. I have my account in Punjab
>>>>>>> national
>>>>>>> bank. I have requested them to issue me an ATM card and  check book.
>>>>>>> they
>>>>>>> r
>>>>>>> saying that these service are not available for a visually 
>>>>>>> challenged
>>>>>>> person. tell me what to do next to over come this major problem.
>>>>>>> thanks in advance
>>>>>>> Rahul Gambhir
>>>>>>>
>>>>>>>
>>>>>>> ----- Original Message ----- 
>>>>>>> From: "pamnani" <kanchanpamnani at hotmail.com>
>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>> Sent: Wednesday, June 27, 2007 9:00 AM
>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>
>>>>>>>
>>>>>>>> Sanjeev Good your problem is over.
>>>>>>>> We will fight every battle in this manner till it becomes too much
>>>>>>>> for
>>>>>>>> the
>>>>>>>> banks to deal with each individual case as an exception. this is 
>>>>>>>> the
>>>>>>>> best
>>>>>>>> way to get it.
>>>>>>>>
>>>>>>>> We are also working on a memorandum for the Banking facilities and
>>>>>>>> will
>>>>>>>> revert to this group when some proper drafting is done. Also 
>>>>>>>> looking
>>>>>>>> at
>>>>>>>> modifying and or challenging the CCPD order as well as IBA Rules.
>>>>>>>>
>>>>>>>> It will take some time because all issues have to be considered. In
>>>>>>>> the
>>>>>>>> meantime I am working on the NSDL representation and the Petition
>>>>>>>> against
>>>>>>>> Rs. 2 coins. Check accessindia for further details.
>>>>>>>> In another case I have senta notice to Bank of Baroda regarding non
>>>>>>>> granting
>>>>>>>> of ATM to one Anjali Jamale who is not part of this group. I think
>>>>>>>> it
>>>>>>>> may
>>>>>>>> be
>>>>>>>> worked out soon based on the reply that I have received from the
>>>>>>>> Branch.
>>>>>>>> Will revert.
>>>>>>>> If anybody has been denied any banking service because they are
>>>>>>>> visually
>>>>>>>> challenged , they must start asking for these facilities 
>>>>>>>> immediately
>>>>>>>> so
>>>>>>>> that
>>>>>>>> we can capitalise on the situation and use the RBI email IDs that I
>>>>>>>> had
>>>>>>>> emailed.
>>>>>>>> Kanchan
>>>>>>>> ----- Original Message ----- 
>>>>>>>> From: "Chaodhari, Sanjeev IN BOM SISL"
>>>>>>>> <Sanjeev.Chaodhari at siemens.com>
>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>> Sent: Wednesday, June 27, 2007 17:12
>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>
>>>>>>>>
>>>>>>>>> Dear members
>>>>>>>>> Hi
>>>>>>>>> Finally I got ATM card. Email id given by harish and kanchan has
>>>>>>>>> worked.
>>>>>>>>>
>>>>>>>>> But the bad site of this is they still didn't have change there
>>>>>>>>> rules,
>>>>>>>>> which means if another visually challenged person wants ATM card 
>>>>>>>>> in
>>>>>>>>> HDFC
>>>>>>>>> bank. Then he will have to go again same procedure again.
>>>>>>>>> They have given me ATM card considering me as exception, and I 
>>>>>>>>> have
>>>>>>>>> to
>>>>>>>>> go to there branch to collect my card and pin number. Usually for
>>>>>>>>> others
>>>>>>>>> it comes by corier.
>>>>>>>>> And don't worry pranav, according to then they have issue ATM card
>>>>>>>>> to
>>>>>>>>> you, when this rule was not there, so they cannot do anything.
>>>>>>>>> So what do you think member's what should we do in order to 
>>>>>>>>> realize
>>>>>>>>> them
>>>>>>>>> that I am not the alone,
>>>>>>>>> Thanks.
>>>>>>>>> When you don't have any choice, you have a choice to work hard.
>>>>>>>>> Sanjeev
>>>>>>>>> Email: Sanjeev.chaodhari at siemens.com
>>>>>>>>> Or daarshnicsanjeev at hotmail.com
>>>>>>>>> Space: http://daarshnicsanjeev/spaces/live.com
>>>>>>>>> Call: +919820637390
>>>>>>>>> Direct office: +9102267572118
>>>>>>>>> -----Original Message-----
>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>> Chaodhari,
>>>>>>>>> Sanjeev IN BOM SISL
>>>>>>>>> Sent: Wednesday, May 09, 2007 3:15 PM
>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>
>>>>>>>>> Hi kanchan
>>>>>>>>>
>>>>>>>>> I asked about rules but Sr. Manager Corporate Salary but she sed
>>>>>>>>> its
>>>>>>>>> there internal rule. When I mention the fact some other vi hold 
>>>>>>>>> ATM
>>>>>>>>> cards in mumbai's hdfc bank (without providing any ditailes about
>>>>>>>>> person
>>>>>>>>> or any branch) she has ask me to send me a mail with bank ditailes
>>>>>>>>> which
>>>>>>>>> she is going to forword to there product head, asking for product
>>>>>>>>> confermation with other ditailes.
>>>>>>>>> thank
>>>>>>>>>
>>>>>>>>> When you don't have any choice, you have a choice to work hard.
>>>>>>>>> Sanjeev
>>>>>>>>> Email: Sanjeev.chaodhari at siemens.com
>>>>>>>>> Or daarshnicsanjeev at hotmail.com
>>>>>>>>> Space: http://daarshnicsanjeev/spaces/live.com
>>>>>>>>> Call: +919820637390
>>>>>>>>> Direct office: +9102267572118
>>>>>>>>> -----Original Message-----
>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>> Pamnani
>>>>>>>>> Sent: Wednesday, May 09, 2007 12:22 PM
>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>
>>>>>>>>> Sanjeev, ask them for the Rules.
>>>>>>>>> My guess is that they will now quote from IBA.
>>>>>>>>>
>>>>>>>>> There is a point I have been trying to make to friends on a
>>>>>>>>> personal
>>>>>>>>> level
>>>>>>>>> and that is that if the visually challenged keep running of to the
>>>>>>>>> Commissioner of Disabilities and to the Courts then we are going 
>>>>>>>>> to
>>>>>>>>> make
>>>>>>>>>
>>>>>>>>> life very difficult for ourselves and the next generation.
>>>>>>>>>
>>>>>>>>> The banking problem has been hassling us for some time but most of
>>>>>>>>> us
>>>>>>>>> got
>>>>>>>>> the accounts we wanted when there were no clear guidelines. Based
>>>>>>>>> on
>>>>>>>>> the
>>>>>>>>>
>>>>>>>>> Disabilities Commissioner's order the IBA came up with guidelines
>>>>>>>>> which
>>>>>>>>> have
>>>>>>>>> in fact damaged our cause. Now every bank has to live with the IBA
>>>>>>>>> guidelines and will start limiting us.
>>>>>>>>>
>>>>>>>>> PRANAV AND OTHERS WITH HDFC better watch out. They may just cancel
>>>>>>>>> your
>>>>>>>>> ATM.
>>>>>>>>>
>>>>>>>>> Everybody who runs to court should consider the long term
>>>>>>>>> repurcussion.
>>>>>>>>>
>>>>>>>>> The man who filed for banking rights before the Commissioner of
>>>>>>>>> Disabilities
>>>>>>>>> limited his own case. The discussion of the Disability 
>>>>>>>>> Commissioner
>>>>>>>>> shows on
>>>>>>>>> the record that we have spoilt our own case. Someone did share 
>>>>>>>>> this
>>>>>>>>> information on the list but I guess none of youll read this in
>>>>>>>>> detail.
>>>>>>>>>
>>>>>>>>> Lets be careful in the future.
>>>>>>>>>
>>>>>>>>> Maybe we should start a new thread on this discussion.
>>>>>>>>>
>>>>>>>>> Kanchan Pamnani
>>>>>>>>> Advocate & Solicitor
>>>>>>>>> 9, Suleman Chambers,
>>>>>>>>> Battery Street, Colaba,
>>>>>>>>> Mumbai - 400 039.
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> ----- Original Message ----- 
>>>>>>>>> From: "Pranav Lal" <pranav.lal at gmail.com>
>>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>>> Sent: Wednesday, May 09, 2007 11:28 AM
>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>> This is indeed strange. I did get an ATM card from hdfc so I do
>>>>>>>>>> not
>>>>>>>>>> know  what rules they are talking about. I have 2 accounts with
>>>>>>>>>> them.
>>>>>>>>>>
>>>>>>>>>> On 5/9/07, Chaodhari, Sanjeev IN BOM SISL
>>>>>>>>> <Sanjeev.Chaodhari at siemens.com>
>>>>>>>>>> wrote:
>>>>>>>>>>> Hi pranav
>>>>>>>>>>>
>>>>>>>>>>> Problem is not with opening account in HDFC bank, problem is 
>>>>>>>>>>> they
>>>>>>>>>>> are
>>>>>>>>>>> refusing to give me ATM card, they say that it does not feet in
>>>>>>>>>>> to
>>>>>>>>>>> rules.
>>>>>>>>>>> I have successfully open account in HDFC bank.
>>>>>>>>>>>
>>>>>>>>>>> When you don't have any choice, you have a choice to work hard.
>>>>>>>>>>> Sanjeev
>>>>>>>>>>> Email: Sanjeev.chaodhari at siemens.com
>>>>>>>>>>>  Or daarshnicsanjeev at hotmail.com
>>>>>>>>>>> Space: http://daarshnicsanjeev/spaces/live.com
>>>>>>>>>>>  Call: +919820637390
>>>>>>>>>>> Direct office: +9102267572118
>>>>>>>>>>> -----Original Message-----
>>>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>>>> Pranav
>>>>>>>>> Lal
>>>>>>>>>>> Sent: Wednesday, May 09, 2007 7:33 AM
>>>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>>>
>>>>>>>>>>> Hi Sanjeev,
>>>>>>>>>>>
>>>>>>>>>>> I successfully opened an account with the Kandivilli West branch
>>>>>>>>>>> in
>>>>>>>>>>> Mumbai.
>>>>>>>>>>> In the worst-case scenario, you could do the same and I could
>>>>>>>>>>> give
>>>>>>>>> you
>>>>>>>>>>> the
>>>>>>>>>>> contact information of my personal banker.  Mind you, you could
>>>>>>>>>>> still
>>>>>>>>> go
>>>>>>>>>>> to
>>>>>>>>>>> the Worlie branch and access the facilities from their.
>>>>>>>>>>>
>>>>>>>>>>> Pranav
>>>>>>>>>>>
>>>>>>>>>>> -----Original Message-----
>>>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>> Chaodhari,
>>>>>>>>>>> Sanjeev IN BOM SISL
>>>>>>>>>>> Sent: Tuesday, May 08, 2007 8:52 AM
>>>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>>>
>>>>>>>>>>> Hi pranav
>>>>>>>>>>> I live in Mumbai, and banking in worly branch.
>>>>>>>>>>>
>>>>>>>>>>> When you don't have any choice, you have a choice to work hard.
>>>>>>>>>>> Sanjeev
>>>>>>>>>>> Email: Sanjeev.chaodhari at siemens.com
>>>>>>>>>>>  Or daarshnicsanjeev at hotmail.com
>>>>>>>>>>> Space: http://daarshnicsanjeev/spaces/live.com
>>>>>>>>>>>  Call: +919820637390
>>>>>>>>>>> Direct office: +9102267572118
>>>>>>>>>>> -----Original Message-----
>>>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>>>> Pranav
>>>>>>>>> Lal
>>>>>>>>>>> Sent: Tuesday, May 08, 2007 7:09 AM
>>>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>>>> Subject: Re: [AI] hdfc ATM card
>>>>>>>>>>>
>>>>>>>>>>> Hi Sanjeev,
>>>>>>>>>>>
>>>>>>>>>>> I have been banking with HDFC four over four years and have had
>>>>>>>>>>> no
>>>>>>>>>>> problems.
>>>>>>>>>>> Which branch are you banking with and what city are you in?
>>>>>>>>>>>
>>>>>>>>>>> Pranav
>>>>>>>>>>>
>>>>>>>>>>> -----Original Message-----
>>>>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
>>>>>>>>> Chaodhari,
>>>>>>>>>>> Sanjeev IN BOM SISL
>>>>>>>>>>> Sent: Monday, May 07, 2007 9:37 AM
>>>>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>>>>> Subject: [AI] hdfc ATM card
>>>>>>>>>>>
>>>>>>>>>>> Dear member's
>>>>>>>>>>>
>>>>>>>>>>> Hi
>>>>>>>>>>>
>>>>>>>>>>> Recently I have open account in hdfc bank. They have provided me
>>>>>>>>> phone
>>>>>>>>>>> banking facility, and according to there wellcome letter I will
>>>>>>>>>>> get
>>>>>>>>> my
>>>>>>>>>>> details of net banking in 10 daies. Still 3 or 4 daies to go.
>>>>>>>>>>>
>>>>>>>>>>> But they have refused me to give ATM card, saying that it does
>>>>>>>>>>> not
>>>>>>>>> fit
>>>>>>>>>>> in to rules.
>>>>>>>>>>>
>>>>>>>>>>> Does anybody have hdfc's ATM card?
>>>>>>>>>>>
>>>>>>>>>>> What should be my next step?
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> When you don't have any choice, you have a choice to work hard.
>>>>>>>>>>>
>>>>>>>>>>> Sanjeev
>>>>>>>>>>>
>>>>>>>>>>> Email: Sanjeev.chaodhari at siemens.com
>>>>>>>>>>>
>>>>>>>>>>>  Or daarshnicsanjeev at hotmail.com
>>>>>>>>>>>
>>>>>>>>>>> Space: http://daarshnicsanjeev/spaces/live.com
>>>>>>>>>>>
>>>>>>>>>>>  Call: +919820637390
>>>>>>>>>>>
>>>>>>>>>>> Direct office: +9102267572118
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
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