[AI] Difficulties in Banking

devendra d_nikose at yahoo.co.in
Tue May 25 03:12:16 EDT 2010


You are right
----- Original Message ----- 
From: "AMEEN" <ameen.ettattu at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Tuesday, May 25, 2010 11:00 AM
Subject: Re: [AI] Difficulties in Banking


> screen reading software has nothing to do with issuing ATM cards to VI 
> persons.
> for, he can operate
> it with the help of anybody whom he chooses.
> that is non of the business of the bank.
> if there is any risk involved in it, the person will bear it.
> then why should raise all lame excuses and arguments?
> are you willing to comply with the rules and regulations stipulated by 
> RBI?
> Ameen.----- Original Message ----- 
> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
> To: "B. R. Nautial" <brnautial at gmail.com>; "access india" 
> <accessindia at accessindia.org.in>
> Sent: Tuesday, May 25, 2010 8:18 AM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> you are absolutely right sir, i found that only blind customer's part is
>> discussed here. we should also consider banker's part. secondly, again i 
>> am
>> to say that bank has full right to ask his customer, why he should 
>> require a
>> check book. only for prestige or he has any use of it. if he or she avail
>> check book facility, he has to maintain minimum balance in his
>> account to continue this facility. some times we also make our blindness
>> complicated. if any one show the law and rules, then being a banker, i am
>> giving my ATM card and pin number to that blind customer, I will also 
>> take
>> him to the ATM machine, but, i will not assist him to read out the menus 
>> and
>> commands on ATM. will he independently withdraw his money? if so, could
>> anybody voluntarily come to have a practical session? condition is a 
>> person
>> should be bona fied blind. RBI says that 33% of
>> ATMs should be accessible to blind persons, and it is stated on the same
>> circular, which all our friends have mentioned here. now as a branch
>> manager, it does not come in my power to install such ATMs. only my head
>> office can do that. now in writing, i can reply that customer: "I accept
>> your application for ATM card. since, as per the RBI circular our branch
>> does not have ATM accessible to blind person, and also in our city there 
>> is
>> no ATM installed, which is accessible to the blind person, hence, your
>> application is pending for consideration. as soon as. an accessible ATM 
>> will
>> be installed, you will be facilitated ATM card. our hon'ble blind 
>> customer
>> unable to operate ATM which exist in our branch,  independently, further,
>> this matter has
>> been referred to our authorities."
>> thanking you,
>>
>> ----- Original Message ----- 
>> From: "B. R. Nautial" <brnautial at gmail.com>
>> To: <accessindia at accessindia.org.in>
>> Sent: Monday, May 24, 2010 7:40 PM
>> Subject: Re: [AI] Difficulties in Banking
>>
>>
>>> no sir, its not a question of ego here. in my opinion, both the parties
>>> are almost right on their places. generally, all these facilities are
>>> quite risky for the blind, that's why, most of the bank manager of 
>>> various
>>> banks are not even against the blind customers but don't want to give 
>>> all
>>> these facilities to the them only because they know,
>>> in case of any fraud with the blind customer, they may be questioned
>>> before the court and may be punished for their negligence.
>>> In various banks, where the branch manager is flexible and satisfied 
>>> with
>>> your arguments or fully aware with the rules and regulations, they are
>>> more sympathetic  with the blind. They don't create such problems to any
>>> of the blind person. More or less,  they are not our enemy so
>>> the issue should be raised before the higher authorities  with the  help
>>> of various NGO's.
>>>
>>> With Regards
>>> B. R. Nautial
>>> Mobile: +919915073368
>>> ----- Original Message ----- 
>>> From: "Kamal Verma" <kamalverma at pnb.co.in>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Monday, May 24, 2010 5:26 PM
>>> Subject: Re: [AI] Difficulties in Banking
>>>
>>>
>>>> Dear Sir,
>>>>
>>>> The customer is trying to satisfy his ego. Otherwise, he should have
>>>> produced NOC or any such endorsement from his parrents.  The problems
>>>> might have been solved. Details of this blind  customer have not been
>>>> discussed in the list. There are number of blind customers availing 
>>>> ATM,
>>>> cheque book and other facilities from PNB.
>>>>
>>>> Regards.
>>>> Kamal Verma
>>>> ----- Original Message ----- 
>>>> From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
>>>> To: <accessindia at accessindia.org.in>
>>>> Sent: Monday, May 24, 2010 4:56 PM
>>>> Subject: Re: [AI] Difficulties in Banking
>>>>
>>>>
>>>>>        Who is bloody branch manager to sit in judgment over rules 
>>>>> framed
>>>>> by regulator?
>>>>> If he/she has to question them, let him represent to central bank or
>>>>> government, for the time, rules are there, he has to comply with them.
>>>>> If we give in to approach of petty functionaries thwarting rules, 
>>>>> there
>>>>> will be no rule of law in this country.
>>>>> Moreover, why does anybody require banking facilities? So, there is no
>>>>> rational behind this question.
>>>>> And, about ATM, bank is not responsible anyway for misuse or loss.
>>>>> Check book is another matter, and I have time and again pointed out 
>>>>> the
>>>>> lacunae in the policy pertaining to it.
>>>>> So, we can not hold bankers denying it to fault.
>>>>>
>>>>> Regards
>>>>>
>>>>> "Perhaps our role on this planet is not to worship God-- but to create
>>>>> Him."
>>>>>
>>>>>                                        --Arthur C. Clarke
>>>>>
>>>>> (Rajesh Asudani)
>>>>>
>>>>> Assistant General Manager,
>>>>> Reserve Bank of India
>>>>> Nagpur
>>>>> 09420397185
>>>>> O: 0712 2806676
>>>>> Res: 0712 2591349
>>>>>
>>>>>
>>>>>
>>>>> -----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 >
>>>>>>> > > accessindia-request at accessindia.org.inwith
>>>>>>> > > > > > the subject unsubscribe.
>>>>>>> > > > > >
>>>>>>> > > > > > To change your subscription to digest mode or make any 
>>>>>>> > > > > > other
>>>>>>> > > > > >  >
>>>>>>> > > > > >  > >
>>>>>>> changes,
>>>>>>> > > > > please
>>>>>>> > > > > > visit the list home page at
>>>>>>> > > > > >
>>>>>>> > > > >
>>>>>>> > >
>>>>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>> > > > > >
>>>>>>> > > > >
>>>>>>> > > > > --
>>>>>>> > > > > 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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>>>>>>> > > > >
>>>>>>> > >
>>>>>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>> > > > >
>>>>>>> > > > >
>>>>>>> > > >
>>>>>>> > > >
>>>>>>> > > > To unsubscribe send a message to
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>>>>>>> > >
>>>>>>> > >
>>>>>>> > >
>>>>>>> > >
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>>>>>>> > >
>>>>>>> >
>>>>>>> >
>>>>>>> > --
>>>>>>> > Mahesh S. Panicker
>>>>>>> > C123;
>>>>>>> > Dayanand Colony;
>>>>>>> > Lajpat Nagar4;
>>>>>>> >
>>>>>>> > New delhi india.
>>>>>>> >
>>>>>>> >
>>>>>>> >
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>>>>>>> >
>>>>>>>
>>>>>>>
>>>>>>>
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>>>>>>
>>>>>>
>>>>>> --
>>>>>> Mahesh S. Panicker
>>>>>> C123;
>>>>>> Dayanand Colony;
>>>>>> Lajpat Nagar4;
>>>>>>
>>>>>> New delhi india.
>>>>>>
>>>>>>
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