Hi sir,
Wanted to post this on list but... Well, now I am writing on the list to
have a discussion on it.
Well, I am not denying the fact that one should learn to sign but can it
be forced upon someone when there is technology available to
authenticate thumb impression? Why don't the bank employ that technology
instead of forcing someone to beg people to become their witness just to
withdraw money? Think of a scenario where a person is holding an
account with a bank for 5-6 years and all these years he has been doing
the banking with ease and suddenly he is asked to produce witnesses to
withdraw his own money despite the fact that all the staff has seen him
all these years while transacting!
All those years I have studied Braille, now shall we argue to learn
print right from the beginning? I don't find it easy to learn sign since
I have no exposure to print, so just because I can't sign, and the bank
don't want to deploy the technology which can remove this barrier, I
shall need to beg people to become my witnesses!
I don't know where are we heading.
With best regards,
Satguru
___,__.___
"Life's battle do not always go, to the stronger or faster man. But sooner or later
the one who wins, is the one who thinks he can."
Satguru Rathi
+91-9871489945
[email protected]
-------- Forwarded Message --------
Subject: FW: Latest notification on additional banking services to
disabled
Date: Mon, 13 Nov 2017 07:54:48 +0000
From: Kotian, H P <[email protected]>
To: Satguru Rathi <[email protected]>,
[email protected] <[email protected]>
Hi
I suppose, the issue is using thumb impression and not signature as this would
not apply in this case.
Witness, can be anyone and not someone you bring alone. It can also be a staff
and there is no repercussion to the witness. At any time there are plenty of
customers who can be requested for it.
I don't think this should be a big problem. It makes sense to learn to sign. I
would really see more an irritant than a problem really. Insistence of 2
witness is not really unreasonable as 1 can be managed to a fraudulent
transaction compared to two.
Harish.
-----Original Message-----
From: Satguru Rathi [mailto:[email protected]]
Sent: Monday, November 13, 2017 12:33 PM
To: Kotian, H P <[email protected]>
Subject: Re: [AI] FW: Latest notification on additional banking services to
disabled
Dear Harish sir and other learned members,
As per the point no. 2 (E), Additional Facilities to visually impaired
customers Banks are advised that the facilities provided to
sick/old/incapacitated persons vide Paragraph 9 of our Master Circular
DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer Service in
Banks (regarding operations of accounts through identification of thumb/toe
impression/mark by two independent witnesses and authorising a person who would
withdraw the amount on behalf of such
customers) shall also be extended to the visually impaired customers.
Now, this is leading to denial of withdrawl for many blind people who do not
have two people as witnesses. PNB, for instance, has come up with their own
circular where a visually impaired person is required to produce two witnesses
to withdraw money. A person in Haryana was actually denied from withdrawing the
money as he didn't have any witness to sign.
What do you suggest?
With best regards,
Satguru
___,__.___
"Life's battle do not always go, to the stronger or faster man. But sooner or later
the one who wins, is the one who thinks he can."
Satguru Rathi
+91-9871489945
[email protected]
On 11/10/2017 9:31 AM, Kotian, H P wrote:
All
For information.
Harish Kotian
http://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI89F9DD47A9F3FA44
0E94C254135F95E728.PDF NOTI89F9DD47A9F3FA440E94C254135F95E728.pdf
RBI/2017-18/89
DBR.No.Leg.BC.96/09.07.005/2017-18 November 9, 2017 All Scheduled Commercial
Banks (including RRBs) All Small Finance Banks and Payments Banks Dear Sir/
Madam Statement on Developmental and Regulatory Policies - October 4, 2017-
Banking Facility for Senior Citizens and Differently abled Persons Please refer
to Paragraph 8 of Statement on Developmental and Regulatory Policies, released
by Reserve Bank of India on October 4, 2017 as part of Fourth Bi-monthly
Monetary Policy Statement 2017-18, a copy of which is enclosed. It has been
observed that there are occasions when banks discourage or turn away senior
citizens and differently abled persons from availing banking facilities in
branches. Notwithstanding the need to push digital transactions and use of
ATMs, it is imperative to be sensitive to the requirements of senior citizens
and differently abled persons.
2. In view of the above, banks are required to put in place appropriate
mechanism with the following specific provisions for meeting the needs of such
customers so that they are able to avail of the bank's services without
difficulty.
(a) Dedicated Counters/Preference to Senior Citizens, Differently abled persons
Banks are advised to provide a clearly identifiable dedicated counter or a
counter which provides priority to senior citizens and people who are
differently abled including visually impaired persons.
(b) Ease of submitting Life Certificate As per extant guidelines issued by Department of
Government and Bank Accounts, in addition to the facility of Digital Life Certificate
under "Jeevan Praman" Scheme (refer circular DGBA.GAD.H-2529/45.01.001/2014-15
dated December 9, 2014), pensioners can submit physical Life Certificate form at any
branch of the pension paying bank. However, it is observed that often the same is not
updated promptly by the receiving branch in the Core Banking Solution (CBS) system of the
bank, resulting in avoidable hardship to the pensioners. It is, therefore, advised that
banks shall ensure that when a Life Certificate is submitted in any branch, including a
non- home branch, of the pension paying bank, the same is updated/ uploaded promptly in
CBS by the receiving branch itself, to avoid any delay in credit of pension.
(c) Cheque Book Facility
(i) Banks shall issue cheque books to customers, whenever a request is
received, through a requisition slip which is part of the cheque book issued
earlier.
(ii) Banks are advised to provide minimum 25 cheque leaves every year, if
requested, in savings bank account, free of charge.
(iii) Banks shall not insist on physical presence of any customer including
senior citizens and differently abled persons for getting cheque books.
(iv) Banks may also issue cheque books, on requisition, by any other mode as
per bank's laid down policy.
It is further clarified that providing such facility in BSBDA will not
render the account to be classified as non-BSBDA (c.f. Bank's response
to query number 14 and 24 of our circular " DBOD.No. Leg.
BC.52/09.07.005/2013-14 dated September
11, 2013
on Financial Inclusion - Access to Banking Services - BSBDA - FAQs").
(d) Automatic conversion of status of accounts Presently, in some banks, even
fully KYC - compliant accounts are not automatically converted into 'Senior
Citizen Accounts' on the basis of date of birth maintained in the bank's
records. Banks are advised that a fully KYC compliant account should
automatically be converted into a 'Senior Citizen Account'
based on the date of birth available in bank's records.
(e) Additional Facilities to visually impaired customers Banks are
advised that the facilities provided to sick/old/incapacitated persons
vide Paragraph 9 of our Master Circular
DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer
Service in Banks (regarding operations of accounts through
identification of thumb/toe impression/mark by two independent
witnesses and authorising a person who would withdraw the amount on
behalf of such
customers) shall also be extended to the visually impaired customers.
(f) Ease of filing Form 15G/H
Banks are advised to provide senior citizens and differently abled persons Form
15G/H once in a year (preferably in April) to enable them to submit the same,
where applicable, within the stipulated time.
(g) Door Step Banking
We have issued instructions on Doorstep Banking vide circular
DBOD.No.BL.BC.59/22.01.010/2006-2007 dated February 21, 2007 under
Section
23 of Banking Regulation Act, 1949. However, in view of the difficulties faced
by senior citizens of more than 70 years of age and differently abled or infirm
persons (having medically certified chronic illness or disability) including
those who are visually impaired, banks are advised to make concerted effort to
provide basic banking facilities, such as pick up of cash and instruments
against receipt, delivery of cash against withdrawal from account, delivery of
demand drafts, submission of Know Your Customer (KYC) documents and Life
certificate at the premises/ residence of such customers.
3. Banks are advised to implement these instructions by December 31, 2017 in
letter and spirit and give due publicity in their bank branches and website.
Yours faithfully
(Saurav Sinha)
Chief General Manager
Statement on Developmental and Regulatory Policies, Reserve Bank of India
issued by the Governor on October 4, 2017 8. Banking Facility for Senior
Citizens and Differently abled Persons It has been reported that banks are
discouraging or turning away senior citizens and differently abled persons from
availing banking facilities in branches.
Notwithstanding the need to push digital transactions and use of ATMs, it is
imperative to be sensitive to the requirements of senior citizens and
differently abled persons. It has been decided to instruct banks to put in
place explicit mechanisms for meeting the needs of such persons so that they do
not feel marginalised. Ombudsmen will also be advised to pay heed to complaints
in this context. Necessary instructions in this regard will be issued by
end-October 2017.
________________________________
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