[AI] Difficulties in Banking

Harshvardhan Singh Negi harshvardhan.negi at gmail.com
Wed May 26 01:26:05 EDT 2010


No dear It is not right thing no official is loosing their jobs due to 
issuing a ATM to blind persons.
It is all customers responsibility to keep it safe.

----- Original Message ----- 
From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Tuesday, May 25, 2010 6:09 PM
Subject: Re: [AI] Difficulties in Banking


> yes! this is a matter, if that anybody did a fraud with that blind person, 
> cheated him, then. my four or five colleagues will loose their job, if 
> that blind person stand before the court. who issued ATM card? the 
> employee who entered his card details on issue register, the employee 
> entered his details on CBS system. who will come to convince the court 
> that entire risk goes to that blind person?
>
> ----- 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 >
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>>>>>>>> > > > > > the subject unsubscribe.
>>>>>>>> > > > > >
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>>>>>>>> > > > > >  > >
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>>>>>>>> > > > > > 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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>>>>>>>> > > > >
>>>>>>>> > > > >
>>>>>>>> > > >
>>>>>>>> > > >
>>>>>>>> > > > To unsubscribe send a message to
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>>>>>>>> > >
>>>>>>>> >
>>>>>>>> >
>>>>>>>> > --
>>>>>>>> > Mahesh S. Panicker
>>>>>>>> > C123;
>>>>>>>> > Dayanand Colony;
>>>>>>>> > Lajpat Nagar4;
>>>>>>>> >
>>>>>>>> > New delhi india.
>>>>>>>> >
>>>>>>>> >
>>>>>>>> >
>>>>>>>> > 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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>>>>>
>>>>>
>>>>>
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