[AI] banking facilities to the visually challenged

Pamnani kanchanpamnani at hotmail.com
Thu Jun 5 09:06:21 EDT 2008

Rajesh and others,

Just like to clarify the whole matter. I met Mrs. Usha Thorat, Deputy 
Governor and  Kaza Sudhakra, Cheif General Manager on Monday 2nd June and 
discussed the entire matter with them in detail. It took nearly 2 hours.Mrs. 
Thorat read out the draft circular and I suggested some modifications. We 
also discussed the problem with currency notes and coins. The RBI 
understands our problems and is working towards resolving them one at a 
time. This circular is just the first step. Any visually challenged person 
can show this circular to a troublesome bank manager and demand his rights. 
I too know that unless the procedure is spelt out the banks will still give 
us trouble. I am drafting the details on the issues that I had raised in my 
mail last week. I am meeting Mr. Sinor ,Chairman of Indian Banks 
Association, on Monday 9th June and shall revert to this group after the 
meeting. If I get a chance i will circulate the memorandum tomorrow or on 
Monday for your comments.
Thanks to all who have suffered at the hands of the banks and those who have 
given me their inputs.

Kanchan Pamnani
Advocate & Solicitor
9, Suleman Chambers,
Battery Street, Colaba,
Mumbai - 400 039.

----- Original Message ----- 
From: "Rajesh Asudani" <rajeshasudani at rbi.org.in>
To: <accessindia at accessindia.org.in>
Sent: Thursday, June 05, 2008 1:04 PM
Subject: [AI] banking facilities to the visually challenged

> Surely, the development is positive and we must congratulate ourselves for 
> it.
> However, I do not see any reason for jubilance for a multiplicity of 
> reasons:
> firstly, it has taken long long time to come, 45 days mentioned in CCPD 
> judgment have long since been over!
> Secondly, it is merely a brief circular stating perfunctorily what is 
> contained in several petitions without delving into the spirit of matter.
> Thirdly, seeing the scant respect for laws and bye laws in our country, I 
> can only hope to cite it as a source of my demands being supported on 
> paper by the regulator! and derive moral comfort from it!!!
> Fourthly and importantly, it merely contains the general statement of 
> providing all the banking facility and eschews any detailed guidelines for 
> various facilities, refering to IBA guidelines in pursuance of CCPD 
> judgment which are, to say the least, archaic in nature.
> Fifthly, it has the potential to create contradictions between what it 
> purpotedly gives and mode of realization for which it refers to earlier 
> guidelines, adding to already prevalent confusion. For instance, it says 
> that banks have to provide cheque books including third party cheques, 
> which is explicitly [or at least interpretatively] denied in ccpd 
> judgment.
> The true remedy lies inenumerating detailed guidelines for availing 
> facilities, and we must keep on pressing for it. RBI/IBA has to issue 
> fresh guidelines in light of present circular. The battle is far from won.
> Yes, the circular must be praised for recognizing legal equality of 
> visually impaired persons, but, alas, there is many a slip between the cup 
> and the lip!!!!!!!!!!
> The era of individual banks following their sweet will in denying/allowing 
> their facilities to VI, has to be ended, and the present circular is a 
> small step towards it, which has to be followed to its logical conclusion. 
> I remember chairman of LIC having proclaimed a few days ago, that the 
> primier insurance agency does not at all discriminate in giving insurance 
> to disabled including blind!!!!!!!! May This circular  not proove to be 
> one more such tentalising illusion!
> We must work to have it implemented and letter and spirit for which 
> universal and fresh guidelines are the need of the hour!!!
> Forgive my cautious optimism which is often dubbed as morbid pessimism!!!!
> Rajesh
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