[AI] Banking facilities to the visually challenged

H P Kotian hpkotian at rbi.org.in
Thu Jun 5 01:29:28 EDT 2008


Date: Jun 04, 2008

Banking facilities to the visually challenged

RBI / 2007-08 / 358
DBOD.No.Leg BC. 91 /09.07.005/2007-08

June 4, 2008

To

All Scheduled Commercial Banks
(excluding RRBs)

Dear Sir,

Banking facilities to the visually challenged

It has been brought to our notice that visually challenged persons are facing problems in availing banking facilities. It may be noted that banking facilities
including cheque book facility / operation of ATM / locker etc. cannot be denied to the visually challenged as they are legally competent to contract.

2. It may be recalled that in the Case No. 2791/2003, the Honourable Court of Chief Commissioner for Persons with Disabilities had passed Orders dated 05.09.2005
which was forwarded by IBA to all the member banks vide their circular letter dated October 20, 2005. In the above Order, the Honorable Court has instructed
that banks should offer all the banking facilities including cheque book facility, ATM facility and locker facility to the visually challenged and also
assist them in withdrawal of cash. Further, in Para 14 of the above Order, the Honorable Court has observed that visually impaired persons cannot be denied
the facility of cheque book, locker and ATM on the possibility of risk in operating / using the said facility, as the element of risk is involved in case
of other customers as well.

3. Banks are therefore advised to ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, Net banking
facility, locker facility, retail loans, credit cards etc. are invariably offered to the visually challenged without any discrimination. Banks may also
advise their branches to render all possible assistance to the visually challenged for availing the various banking facilities.

Yours faithfully

(Prashant Saran)
Chief General Manager-in-Charge

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