Hi Mahesh, As per guidelines pertaining to witness, it is not necessary for VI to bring in a witness. Even a Bank official other than paying cashier can sign as witness. this is applicable only in case of cash withdrawls. I think book of instruction of every bank states it clearly.
Regards, ----- Original Message ----- From: "Mahesh Panicker" <[EMAIL PROTECTED]> To: <[email protected]> Sent: Wednesday, July 30, 2008 10:04 AM Subject: Re: [AI] facilities given by punjab national bank tovisuallyimpaired persons > technicaly its a one time activity. however my experience with PNB suggests > otherwise. each time I needed to withdraw money, they needed someone to > witness it. it really is a trouble for the VC person. in fact, it was this > problem that really forced me into a 6 month long struggle with the bank for > an ATM card. > > On 7/30/08, Harish Kotian <[EMAIL PROTECTED]> wrote: > > > > Hi > > Witness is required at the time of submission of documents. This is a one > > time activity for that loan. > > > > I think this is ok. > > Harish. > > > > ----- Original Message ----- > > From: "Mahesh Panicker" <[EMAIL PROTECTED]> > > To: <[email protected]> > > Sent: Wednesday, July 30, 2008 1:06 AM > > Subject: Re: [AI] facilities given by punjab national bank to > > visuallyimpaired persons > > > > > > >I am afraid this means that the same kind of dificulties that are > > > particularly associated with PNB is to be continued in a different way. > > the > > > procedure for issuing ATMs remains rather complex and long, and the idea > > of > > > the witness can be used to trouble a visually challenged person as has > > been > > > happening more often than not. > > > > > > On 7/29/08, kishanlal <[EMAIL PROTECTED]> wrote: > > >> > > >> > > >> > > >> PUNJAB NATIONAL BANK > > >> > > >> RETAIL BANKING DIVISION > > >> > > >> HO: 5, SANSAD MARG, NEW DELHI > > >> > > >> > > >> > > >> TEL: 23715042, 23716186. > > >> > > >> FAX Nos.- 011-23719092, 23359308 > > >> > > >> > > >> > > >> > > >> > > >> RBD ADV CIR. 30/08 > > >> > > >> > > >> > > >> I > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > RBD Dated: > > >> 03.07.2008 > > >> > > >> > > >> > > >> TO ALL OFFICES > > >> > > >> > > >> > > >> > > >> RETAIL BANKING DIVISION: ADVANCES: CIRCULAR NO: 30 > > >> > > >> > > >> RETAIL LOANS TO VISUALLY CHALLENGED PERSONS > > >> > > >> > > >> > > >> RBI, vide Notification dated 4.6.2008, has, inter alia, advised to > > ensure > > >> that retail loans are invariably offered to the visually challenged > > persons > > >> without any discrimination. > > >> > > >> > > >> > > >> 2. It may be noted that a blind person of sound mind is competent > > to > > >> contract, as such there is no legal bar for granting of loans to blind > > >> persons. All concerned are, therefore, advised to ensure that retail > > loans > > >> are not denied to the visually impaired persons. > > >> > > >> > > >> > > >> 3. As regards the procedure and precautions required to be taken > > for > > >> execution of documents, it is advised that all documents to be executed > > by > > >> the blind persons be witnessed by two witnesses. A declaration be > > obtained > > >> from the witnesses to the effect that the documents have been read over > > and > > >> understood by the blind person in their presence who after understanding > > the > > >> consequences thereof has put his signature in their presence. > > >> > > >> > > >> > > >> 4. The other precautions as provided by the Bank for opening of > > the > > >> accounts by the blind persons be also taken care of. In some of the > > States, > > >> documents evidencing creation of mortgage needs to be stamped. In such > > >> States, the mortgage deed can be got registered. Further, where the > > blind > > >> person is conversant with Braille language, the documents in the said > > >> language may be provided to him/her (optional). > > >> > > >> > > >> > > >> > > >> > > >> -2- > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> 5. All concerned are advised to note the above guidelines for > > >> compliance. > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> (SC BITHAL) > > >> > > >> DEPUTY GENERAL MANAGER > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> PUNJAB NATIONAL BANK > > >> > > >> ZONAL OFFICE: JAIPUR > > >> > > >> (INFORMATION TECHNOLOGY DEPARTMENT) > > >> > > >> > > >> > > >> > > >> > > >> 1.11.2007 > > >> > > >> > > >> > > >> > > >> > > >> > > >> > > >> The Regional Manager/Senior Regional Manager, > > >> > > >> Regional Office/Integrated Zonal Office, > > >> > > >> Sriganganagar/Alwar/Bharatpur/Jodhpur/Jaipur. > > >> > > >> > > >> > > >> Reg: Issuance of ATM/Debit Card to blind persons. > > >> > > >> > > >> > > >> > > >> > > >> HO: OP&SD vide their letter dated 29.10.2007 have decided as under: > > >> > > >> > > >> > > >> ATM cards to visually challenged persons may be issued considering the > > >> merits of each applicant. In such cases, specific request with full > > >> justification be sent to OPSD, Head Office, New Delhi for their approval > > for > > >> issuance of card. > > >> > > >> > > >> > > >> You are requested to ensure strict compliance of the same at each CBB > > >> centre under your jurisdiction. > > >> > > >> > > >> > > >> SD/- > > >> > > >> Deputy General Manager > > >> > > >> > > >> > > >> CC: TheSeniorManager,Marketing/Inspection&Audit/Planning&Development > > >> Department, Zonal Office, Jaipur for information and necessary action in > > the > > >> matter at the point of need. > > >> > > >> > > >> > > >> > > >> > > >> Deputy General Manager > > >> > > >> > > >> > > >> With warm regards > > >> Yours sincerely > > >> Kishanlal Sharma > > >> Mobile: 09413849638 > > >> Join Access India convention: For updates on it visit: > > >> http://accessindia.org.in/harish/convention.htm > > >> Registration is now open! > > >> > > >> To unsubscribe send a message to > > [EMAIL PROTECTED] 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 > > >> > > > > > > > > > > > > -- > > > Mahesh S. Panicker > > > room no. 121; > > > Kaveri-hostel; > > > Jawaharlal Nehru university new delhi 110067 india. > > > Join Access India convention: For updates on it visit: > > http://accessindia.org.in/harish/convention.htm > > > Registration is now open! > > > > > > To unsubscribe send a message to [EMAIL PROTECTED] 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 > > > > > > > > > Join Access India convention: For updates on it visit: > > http://accessindia.org.in/harish/convention.htm > > Registration is now open! > > > > To unsubscribe send a message to [EMAIL PROTECTED] 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 > > > > > > -- > Mahesh S. Panicker > room no. 121; > Kaveri-hostel; > Jawaharlal Nehru university new delhi 110067 india. > Join Access India convention: For updates on it visit: http://accessindia.org.in/harish/convention.htm > Registration is now open! > > To unsubscribe send a message to [EMAIL PROTECTED] with 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 Join Access India convention: For updates on it visit: http://accessindia.org.in/harish/convention.htm Registration is now open! To unsubscribe send a message to [EMAIL PROTECTED] with 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
