[AI] Difficulties in Banking

Mukesh Sharma mrmukeshsharma at gmail.com
Mon May 24 10:44:18 EDT 2010


The preview of the question should be general and not of disability, and
take a note, with a simple requisition form one can avail the facility of
Cheque book, no one ask any question to so called normal customer.
The incident in state bank, when asking for ATM card, the manager refused to
tell where to sign in the application form stating that when "you are
applying for ATM card and should locate the signature field on your own". In
front of 10 customer. 
On the other hand when applied for credit card of State bank, the executive
visited home and completed all the required documentation and the card was
issued without any problem.

No offense intended.

Thanks
Mukesh


-----Original Message-----
From: BHAWANI SHANKAR VERMA [mailto:bsvermadurg at gmail.com] 
Sent: Monday, May 24, 2010 7:39 PM
To: mrmukeshsharma at gmail.com; accessindia at accessindia.org.in
Subject: Re: [AI] Difficulties in Banking

bank has right to ask question for check book. ATM card should be given
easily.


----- Original Message ----- 
From: "Mukesh Sharma" <mrmukeshsharma at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Monday, May 24, 2010 6:11 PM
Subject: Re: [AI] Difficulties in Banking


> If you feel "No one has to deform such a pioneer corporate like PNB", the
> bank should work in guidelines provided by Regulating authority. Being
> famous or having a vast contribution in economy do not mean that you are
> good for the society or for every matter, it could be a disease making you

> a
> big entity similar to terrorist group (they also play a good role in 
> shaping
> economy of the world).
> If some day your employer ask you "why do you need a job?" what would be
> your answer? Your answer is what the answer should be for the question 
> "Why
> does he need ATM card and Cheque book and how shall I issue?" though for 
> the
> how you should issue part, ah please check your manuals, you can not 
> expect
> a common man to guide you through procedures.
>
> Further, I have had different experience with different branches of PNB 
> and
> on top of everything have had different opinion from 2 official of the 
> same
> branch over the question of ATM card and Cheque Book facility to VI
> customer.
> I think every year the bank should conduct annual exam or monthly test on
> circulars and guidelines, failing to which the officer should be sent to
> training department, failing 3 times in a row should result in expulsion.
>
>
> Thanks
> Mukesh
>
> -----Original Message-----
> From: accessindia-bounces at accessindia.org.in
> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal Verma
> Sent: Monday, May 24, 2010 4:51 PM
> To: accessindia at accessindia.org.in
> Subject: Re: [AI] Difficulties in Banking
>
> Hello,
>
> Noone has to deform such a pioneer corporate like PNB. RBI framed rules 
> and
> circulars, but being a Branch Manager, it seems impractical to issue ATM
> card to the blind customers. Let me argue the matter with the blind 
> customer
> who is in need of ATM card and cheque book. Why does he need ATM card and
> cheque book and how shall I issue? Let him convince me.
>
> Thanks.
> Kamal Verma
> ----- Original Message -----
> From: "Mahesh Panicker" <maheshspanicker at gmail.com>
> To: <accessindia at accessindia.org.in>
> Sent: Monday, May 24, 2010 12:41 PM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> dear Mr. Verma. .
>> surprised to know someone has something nice to say about PNB. I
>> haven't find many other organizations as obnoxious as PNB is. I had a
>> real struggle to get my ATM card from PNB. in fact, I'd contacted the
>> higher authorities as well. but at the end of the day, I had to
>> complaint to the RBI, and also to the NHRC and the government of India
>> ministry of finance to get my card. after all that, I got my card
>> after a good 7 months. recently too, I had a terrible time with the
>> PNB, when I applied for a check book. as I already mentioned, this
>> happened after I submitted the RBI circular on the rights of the
>> disabled on banking facility.
>> and then we all have the story of a visually challenged being asked to
>> provide a NOC from the parents to avail an ATM card. have you heard of
>> anything more obnoxious?
>> banks in general, and PNB in particular have a horrible record when it
>> comes to acknowledging the rightful claims of the disabled. so we have
>> to take the struggle against such horrible institutional nonsense to
>> all possible levels including the media.
>>
>> On 5/24/10, Kamal Verma <kamalverma at pnb.co.in> wrote:
>>> Hello all,
>>>
>>> I am surprised to note various complaints against PNB in this list. I am
>>> availing all the banking facilities, such as cheque book, debit card,
>>> credit
>>> card, internet banking, etc. PNB does not ignore the blind community,
>>> hence
>>> if any problem occurs, it may be communicated to the higher authorities
>>> of
>>> PNB with the name and designation of the concerned officer.
>>>
>>> Thanks.
>>> Kamal Verma
>>>
>>> ----- Original Message ----- From: "Mahesh Panicker"
>>> <maheshspanicker at gmail.com>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Sunday, May 23, 2010 8:39 PM
>>> Subject: Re: [AI] Difficulties in Banking
>>>
>>>
>>>
>>> > banking is one area where there is a lot of discrimination against the
>>> > visually challenged. opening an account itself isn't any easier, but
>>> > ones you open an account, getting the common banking facilities like
>>> > ATM cards and check book is an absolute nightmare.I've an account with
>>> > the Punjab National Bank, and I had my struggle of my life to get my
>>> > ATM card issued. it took me a good 7 month for the same to be done.
>>> > the struggle for the check book was also on similar lines, and
>>> > although I've got the checkbook, it has come with a lot of conditions.
>>> > most people on access india can tell you similar stories. I believe
>>> > some of our own members have taken a lot of initiative in this regard,
>>> > and the 2008 RBI order is an achievement because of such initiatives.
>>> >
>>> > On 5/23/10, BHAWANI SHANKAR VERMA <bsvermadurg at gmail.com> wrote:
>>> >
>>> > > blind persons should organize and conduct an agitation before the
>>> banking
>>> > > division and finance ministry. this is the only solution.
>>> > > ----- Original Message ----- From: "rahul cherian"
>>> > > <rahul.cherian at inclusiveplanet.com>
>>> > > To: <accessindia at accessindia.org.in>
>>> > > Sent: Sunday, May 23, 2010 12:47 PM
>>> > > Subject: [AI] Difficulties in Banking
>>> > >
>>> > >
>>> > >
>>> > > > Folks,
>>> > > >
>>> > > > I have been asked to prepare a comprehensive note on the issues
>>> > > > that
>>> > > persons
>>> > > > with visual impairment face with banking in India, especially in >
>>> leading
>>> > > > banks such as ICICI, HDFC and SBI, along with possible solutions.
>>> > > > This
>>> > > note
>>> > > > has been asked for by some senior people I know personally in 
>>> > > > these
>
>>> > > >  >
>>> banks.
>>> > > > If anyone would like to help me prepare this note do let me know 
>>> > > > at
>>> the
>>> > > > earliest. If anyone has the details of any such note which has 
>>> > > > been
>>> > > prepared
>>> > > > earlier do forward that to me.
>>> > > >
>>> > > > Best regards,
>>> > > >
>>> > > > Rahul Cherian
>>> > > > Inclusive Planet
>>> > > >
>>> > > > On 23 May 2010 12:39, Srinivasu Chakravarthula
>>> > > <srinivasu at srinivasu.org>wrote:
>>> > > >
>>> > > >
>>> > > > > Hi Dinesh,
>>> > > > > Can you provide us with little more details about your problem
>>> > > > > with
>>> > > > > Yahoo! Messenger so as to help you better?
>>> > > > >
>>> > > > > Regards,
>>> > > > > Srinivasu
>>> > > > >
>>> > > > > On 5/23/10, dinesh shukla <dineshshukla2815 at gmail.com> wrote:
>>> > > > > >     dear friends I am not able to chatte with the help of 
>>> > > > > > Yahoo
>>> > > > > massenger.
>>> > > > > > please help me to do  the same telling me the steps. 
>>> > > > > > Dinesh
>>> > > Shukla.
>>> > > > > >
>>> > > > > >
>>> > > > > > To unsubscribe send a message to >
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>>> > > > > > the subject unsubscribe.
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>>> > > > > >  > >
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>>>
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>>> > > > > >
>>> > > > >
>>> > > > > --
>>> > > > > Sent from my mobile device
>>> > > > >
>>> > > > > Best regards,
>>> > > > >
>>> > > > > Srinivasu Chakravarthula
>>> > > > > Mobile: +91 990 081 0881
>>> > > > > Website: http://www.srinivasu.org
>>> > > > > Follow me on Twitter: http://twitter.com/sriniworld/
>>> > > > >
>>> > > > >
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>>> > > > >
>>> > > > >
>>> > > >
>>> > > >
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>>> > > >
>>> > >
>>> > >
>>> > >
>>> > >
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>>> >
>>> >
>>> > --
>>> > Mahesh S. Panicker
>>> > C123;
>>> > Dayanand Colony;
>>> > Lajpat Nagar4;
>>> >
>>> > New delhi india.
>>> >
>>> >
>>> >
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>>
>>
>> -- 
>> Mahesh S. Panicker
>> C123;
>> Dayanand Colony;
>> Lajpat Nagar4;
>>
>> New delhi india.
>>
>>
>>
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> necessarily reflect that of Punjab National Bank. The bank considers
> unencrypted email as an insecure mode of communication.
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