Banking sector – Appeal for Penalty on bank for Poor service. हम अच्छी सेवाओं की पेशकश के लिए banks को सेवा कर GST भुगतान करते हैं तो Poor service me पेनल्टी क्लॉज क्यों लापता है
Loss of Rs 25,000 – Must read for every husband-wife who have SBI debit card
It has been stressed a lot many times by the State Bank of India (SBI), that sharing your ATM Card is non-transferable. The rule from SBI mentions that no one other than the account holder should use it. However, a woman from Bangalore who was on her maternity leave learnt the SBI's rule the hard way.
It has been stressed a lot many times by the State Bank of India (SBI), that sharing your ATM Card is non-transferable. In fact, the rule from SBI mentions that no one other than the account holder should use it. However, a woman from Bangalore who was on her maternity leave learnt the SBI’s rule the hard way. As reported by The Times of India, the incident dates back to November 14, 2013, when Vandana, who was pregnant at that time gave her debit card to her husband, Rajesh Kumar to withdraw a sum of Rs 25,000 from an SBI ATM nearby. To withdraw the money, Vandana provided the ATM PIN to her husband. But the series of events took a different when the ATM machine showed a slip where it mentioned that the money was debited, however, the sum of money was never released from the ATM!
When the ATM failed to dispatch the money, husband Rajesh gave a call to the bank and mentioned the happening. However, the bank responds that the ATM machine was at fault and the money would be reverted to the account within 24 hours, reports Times of India. However, even after days the money never made back to the account. Rajesh made a visit to the SBI’s Helicopter Division branch at HAL and lodged a formal complaint. However, this is where the story took a mew turn as SBI allegedly shut down the case in a matter of few days. The bank stated that the transaction was correct and the customer received the sum of money.
The couple managed to get the CCTV footage of the date when Rajesh went to take out the money from the ATM. The footage allegedly shows Rajesh at the ATM and that no money was dispatched from the machine. The couple again lodged a complaint with the bank. This time, an investigation committee was formed at the bank which ruled that account and cardholder Vandana was not seen in the footage. SBI recalled their ‘non-transferable’ rule and claimed that the account holder was not the ATM user, and thus it holds the right to turn down the money claims made by the couple.
In the meantime, Vandana got her hands on the cash verification report of that particular ATM for the date November 16, 2013, through an RTI. The cash verification report from that ATM mentions an excess cash of Rs 25,000 in the machine. Following this, the cash verification report was submitted to the court. However, SBI counsel produced another report which fails to show any excess cash. Before heading towards the consumer forum, Vandana and Rajesh made a final plea to the bank, who stated, ‘PIN shared, case closed.’
Being unsatisfied with the ruling, about a year later, on October 21, 2014, Vandana went to the Bangalore IVth Additional District Consumer Disputes Redressal Forum. Here she alleged that the State Bank had failed to make the refund of Rs 25,000 which she had lost in the ATM transaction. Vandana made claims that she had just had her baby and could not move out. Thus she gave the ATM card to her husband along with the PIN to withdraw the money on her behalf reports Times of India.
The case continued for the next three-and-a-half years. Vandana and Rajesh were still short of Rs 25,000 and stood their grounds that SBI should refund their money which could not be recovered due to an ATM flaw. However, SBI continued to maintain their stance and cited their rule that sharing ATM PIN with someone else was a violation.
SBI produced documents, which included log records. These records showed that the ATM transaction was successful and was technically correct. However, the final verdict came from the court on May 29, 2018. The Times of India report states that the court ruled against that Vandana and Rajesh. The court mentions that instead of sharing the PIN and making him withdraw the money, Vandana should have given a self-cheque, if not an authorisation letter to her husband to withdraw the sum of Rs 25,000
The court finally dismissed the case.
PNB fraud:India's biggest bank scam
मोदी सरकार का नोट बंदी का निर्णय अच्छा था। पर नोट बंदी में जमा हुए इतने सरे पैसे को देखकर बैंको की नियत ख़राब हो गई और वो उसे गपाने के नए नए तरीके खोजने लगे।
SBI की मिनिमम बैलेंस पालिसी इसका जीता जगता उद्धरण है।
मोदी सरकार की नोट बंदी को गलत साबित करने में SBI का मेजर हाथ। SBI के निर्णय विवेक पूर्ण नहीं ये नोट बंदी में जमा पैसे को गपाने की नियत से है।
This type of decision damaging image of current government governance model and transparency.
Senior citizen crying in SBI Indore due to minimum balance decision as his monthly pension is Rs 2300
SBI minimum charge it’s become an issue between student and daily wages worker who have bank ac
Bank should have to give penalty if No cash available or down due to poor service in ATM.
SBI collects Rs235 crore in minimum balance fine in 1st quarter
SBI collects Rs 235 crore in minimum balance fine in June qtr: RTIhttp://www.deccanchronicle.com/business/companies/190817/sbi-collects-rs-235-crore-in-minimum-balance-fine-in-june-qtr-rti.html
SBI Savings Account: Minimum Balance Rules
SBI spent Rs 775 crore in maintaining Jan Dhan accounts: Government
Minimum Balance Penalty to Offset Costs of Jan Dhan Accounts, Says SBI Chief Arundhati Bhattacharya
बचत खाते में मिनिमम बैलेंस की सीमा बढ़ाएगा SBI, 31 करोड़ लोगों पर पड़ेगा असर
महीने में दो बार sbi ने minimum balance maintenance के नाम पर पैसे काटे , ऐसे लगता है कि बैंकों ने भी उगाही का नया तरीका इजात कर लिया है.
सामान्य विधार्थी और दिहाडी मजदूरो की जेब पे और एक डाका SBI क minimum balance rule सामान्य जन त्रस्त सरकार मस्त
भारतीय स्टेट बैंक ने पिछले 3 महीने में मिनिमम बैलेंस मेंटेन ना करने पर ₹235.06 करोड़ फाइन के रुप में वसूले हैं
Don’t pay taxes if government fails to curb corruption: HC
सरकार का कंट्रोल और एटीएम में फेक नोटों के जरिया आम जनता को ठगा जा रहा। बैंकों में नकेल कब कसेगी सरकार। क्या टेक्निकल असमर्थ है RBI बैंकों पैर नकेल कसने में।
Looking for support from PMO India to bring Policy framework and rules and regulation in India to stop this kind of malpractice & financial penalty on bank, So that general public should not be harassed, currently there is no rule in RBI / Bank to solve this kind of issue.
Response from Axis Bank
PG Portal Reference:DEABD/E/2015/06883
Sir, We refer to your CP Gram complaint registration number DEABD/E/2015/06883 expressing your concerns over the dispensation of damaged currency on 2 specific occasions at Axis Bank ATM. As discussed ruing our telephone conversation on September 24, 2015, the management of Cash Loading is currently being done in line with the RBI guidelines. We have however noted your feedback and highlighted the same to our ATM team for them to ensure loading of good quality genuine bank notes. We sincerely apologize for the inconvenience caused to you. For any further clarifications, you may write to us at firstname.lastname@example.org. Assuring you of our best services,
Hdfc Reference Number : 028-398-574. -e-mail dated February 12, 2015
Dummy account created for each new FD and it is linked with common customer ID - if this kind of unethical practices happened then 10 time of payment penalty clause have to be implement and bank has to be paid amount to customer for their mistake also need to be define by RBI India. banking liability should be define so that general public will not be harassed.
Currently case has solved bul has to put lots of efforts and follow up
Solution find from HDFC member:
http://pib.nic.in/newsite/erelease.aspx24/12/2014Prime Minister to Interact with Bankers during Bankers Retreat,Two Day Bankers’ Retreat called ‘Gyan Sangam’ to be held in Pune on 2nd and 3rd January, 2015 to Prepare a Blue Print of Reform Action Plan for Banking Sector
- To create a platform for formal and informal discussions around the issues which are important for banking sector reforms.
- To achieve a broad consensus on what has gone wrong and what should be done both by banks as well as by the Government to improve and consolidate the position of PSBs.
- To get some out of box ideas from prominent experts in the field as also from the top level managers attending the retreat.
- The final objective would be to prepare a blue print of reform action plan once adopted which could then be implemented by the banks as well as by the Government.
Service oriented mindset Business positive Indian attitude will bring Development in India https://youtu.be/D1uob7Rh0EE