First of all, hearty congratulation and thanks to all of them who made efforts for the smae. I would like know that is it mendatory for all the nationalize Banks to follow these guidelines or these guidelines would act just as directive principles of our constitution? If these guidelines are violeted by any of these Banks, can we go to the consumer Court? Thanks
Smriti Singh Programme: M. Phil (English Literature) Room # 03 Sabarmati Hostel Jawaharlal Nehru University --- On Sat, 11/22/08, fayaz pasha <[EMAIL PROTECTED]> wrote: > From: fayaz pasha <[EMAIL PROTECTED]> > Subject: Re: [AI] New Banking Guidelines from I B A > To: [email protected] > Date: Saturday, November 22, 2008, 11:33 PM > Hi, > I agree with it. As a matter of fact the bank SBI local > branch hear for > me saying that this cannot abe accepted and also this is > advisory in > nature and not clear instructions. > If the circular is either an image or adobi document that > will ensure > better implementation. > > -----Original Message----- > From: [EMAIL PROTECTED] > [mailto:[EMAIL PROTECTED] On Behalf > Of phani > srikanth > Sent: Saturday, November 22, 2008 7:21 PM > To: [email protected] > Subject: Re: [AI] New Banking Guidelines from I B A > > > we are thankful for the same and it is requested for an > image or PDF > document to be available on any web of IBA for better > implimentation as > banks do not accept an unsigned document if we present the > same printed > copy before them. smiles srikanth. > > On 11/21/08, Xavier's Resource Centre for the Visually > Challenged, St. > Xavier's College <[EMAIL PROTECTED]> wrote: > > > > Dear Accessindians , > > > > In response to some of the questions with regards to > accessible > > banking, we have the following points to make. > > > > 1) A thumb print recognition system is a workable > alternative. As of > > now XRCVC and CMC are working on the joint testing of > the system. We > > are hopeful that banks will adopt this system soon > given the fact that > > > the IBA guidelines are recommending them. > > > > 2) Even now with the present rules in place, a bank > will have to find > > its own way of thumb print recognition. They will have > to be gently > > reminded of the new rules. Dr. Sam Taraporevala > > > Director---------------------------------------------------------------- > -------------------- > > Xavier's Resource Centre for the Visually > Challenged (XRCVC) St. > Xavier's > > College, 5 Mahapalika Marg Mumbai - 400001 +91 22 > 22620661-5 (extn: > 366) +91 > > 22 22623298 (direct) +91 9967028769 (mobile) > [EMAIL PROTECTED] > Date: > Thu, > > 20 Nov 2008 06:54:03 +0530> From: > [EMAIL PROTECTED]> To: > > [email protected]> Subject: Re: [AI] > New Banking > Guidelines > > from I B A> CC: [EMAIL PROTECTED]> > first of > all, hearty gratitude to > XRCVC > > for their massive effert in> regards to banking > guidelines for the > visually > > impaired.> Since I am oblivious from laws and > policies for visually > > impaired,> wanted to ask several queries.> Many > times I've seen that > persons > > at the banks denies VI people to open account.> > generally, they argue > to > > those who uses thum impression.> I stalwartly > believe that thum > impression > > is the most secured way of> operating bank account > in this world of > frauds. > > Therefore, I would> like to use the thum impression > even though I do > > signature in general.> Can you please tell, what > are the provision for > those > > VI people who> wants to open bank account, but > wants to use their thum > > impression for> further operations> Though > I've read the circular and > it > > states following in the context:> "Banks > should not deny any services > to > > visually impaired customers> including visually > impaired customers who > use > > their thumb impression> for operating the bank > account."> However, in > one of > > the lines in same circular, the following is > written:> "Further, we > have > > seen demonstration of finger print technology > being> developed by > software > > firm which would enable banks to store thumb> > impression of visually > > impaired persons in place of signature in their> > system. Cheques > > authenticated by them with thumb impression can be> > scanned and the > image > > compared with that stored in the system to honor> > the cheque. It is > > suggested that when this technology is fully> > developed and made > available > > in the market, banks should consider> integrating > it with their core > banking > > platform so that cheque book> facility can be > extended to a larger > segment > > of visually impaired> persons"> now, the > question is that what would > be the > > provisions mean while the> technology develops > completely?> Can a VI > person > > who uses thum impression still issue checks?> If > yes, then what would > be the > > parameters of it's authentication?> If no, then > what may be other > > alternatives for the person who wants to> use his/ > her account > > independently?> Hope I managed to keep my query > finely.> In waite of > your > > responses,> Aisha sahani.> > > On > 11/19/08, Xavier's Resource Centre > for the > > Visually Challenged, St.> Xavier's College > <[EMAIL PROTECTED]> wrote:> > >> > > > Dear Fellow Access Indians,> >> > It gives > us great pleasure to inform > you > > that close on the heals of the RBI> > circular > in June, The Xavier's > > Resource Center for the Visually Challenged> > > (XRCVC) had lobbied > > intensively with the Indian Banks Association (IBA) > to> > come out > with a > > set of inclusive guidelines for visually challenged > bank> > account > holders > > . They have just issued their circular which we are > pasting> > below > for > > your record. This circular shortly will also be > available on the> > > IBA and > > XRCVC websites.> >> > A big thank you to > the IBA management and also > to > > Kanchan Pamnani for all> > their help and > work.> >> > Dr. Sam > Taraporevala> > >> Director> > XRCVC> >> > IBA > CIRCULAR> > No.CE/RB-1/vip/1766> > > >> Director> > XRCVC> >> > November > > 18, 2008> >> > The Chief Executives of all > Member Banks> >> > Dear > > Sirs,> >> > >> Providing Banking Facilities to Visually Impaired > Persons> >> > We > >> refer > > to our circular No.CIR/RB/1230 dated February 4, 2006 > enclosing> > > > procedural guidelines on the captioned subject. > Subsequent to which, > > we > > have> > received several representations from > visually impaired > > have> > persons > > regarding> > the facilities and services being > provided by banks and > > regarding> > the > > ground level> > difficulties being faced by > them. As you are aware, > > procedural guidelines> > were issued in the > context of the order dated > > > September 5, 2005 passed by> > the Court of > Chief Commissioner for > > Persons with Disabilities, New Delhi> > > regarding facilities to be > > provided to visually impaired persons.> >> > > Following complaints from > > > Visually Impaired Persons, the Commissioner for> > > Persons with > > Disabilities had again issued an advisory to the > Finance> > Ministry > > and the Reserve Bank of India (RBI) in May 2008 to > take necessary> > > > steps to ensure that visually impaired persons are not > denied normal > > banking> > facilities.> >> > > Subsequently, the RBI, vide circular > > DBOD.No.Leg BC.91/09.07.005/2007-08> > dated 4th > June 2008 advised > > banks that all banks must render the same> > > services to a visually > > impaired person as it would to any other person> > > without > > discrimination. The Circular stated that the banks, > must provide the> > > > visually impaired with every facility viz., > cheque Book facility, > > ATM> > facility, net banking facility, locker > facility, retail loans, > credit cards> > >> etc.> >> > Following the above RBI > circular, we had examined the need > > >> to > > revise the> > procedural guidelines issued in > February 2006 in > > consultation with IBA> > Sub-committee on > Customer Service and > > Customer Rights. We also > > had> > interactions with a Mumbai based > voluntary organization working > > > had> > for > > the> > welfare of Impaired persons. The > interactions indicated that > > technology> > innovation in the recent years had > greatly empowered > > technology> > visually > > impaired> > persons in leading a normal life. > Technology applications > > impaired> > such > > as screen> > readers for computers and mobile > phones, which are being > > used by the> > visually impaired persons for > online/net banking, were > > demonstrated to us.> > Visually impaired persons > can read and > > understand printed documents etc. by> > first > scanning them and then > > getting them read out by the screen reader.> > >> > -//-> >> > PAGE : 2 > > :> >> > Further, we have seen > demonstration of finger print technology > > > being> > developed by software firm which would > enable banks to store > > thumb> > impression of visually impaired persons > in place of signature > > > in their> > system. Cheques authenticated by > them with thumb > > impression can be scanned> > and the image > compared with that stored > > in the system to honor the cheque.> > It is > suggested that when this > > technology is fully developed and made> > > available in the market, > > banks should consider integrating it with their> > > core banking > > platform so that cheque book facility can be extended > to a> > larger > > segment of visually impaired persons.> >> > > Our attention was also > > drawn to the United Nations Convention on the > Rights> > of Persons > > with Disabilities, which clearly commits to rights of > persons> > with > > disability and their access to services. Article 9 of > the Convention> > > > enables persons with disabilities to live > independently and > > participate> > fully in all aspects of life and > also gives them access > > > to facilities and> > services open or provided > to the public, both in > > urban and rural areas.> > Additionally, Article > 12 states " Parties > > shall take all appropriate and> > effective > measures to ensure the > > equal right of persons with disabilities to> > > own or inherit > > property, to control their own financial affairs and > to have> > equal > access to bank loans, mortgages and other forms of > financial credit,> > >> and shall ensure that persons with disabilities > are not arbitrarily > > deprived> > of their property."> > >> > It is expected that the > > deprived> > guidelines > > issued by the RBI would result in an> > increase > in the number of ATM > > cards issued to visually impaired persons.> > > This would enhance the > > case for installation of talking ATMs to > facilitate> > hassle free > > operations by visually impaired persons. Banks are > requested to> > > > consider installing talking ATMs wherever > feasible.> >> > Keeping in > > view the above, we have revised the procedural > guidelines for> > > > providing banking facilities to visually impaired > persons, copy of > > which is> > enclosed. While finalizing the > document the Sub-Committee > > took into> > consideration that request for ATM > facilities, online > > banking facilities> > etc., would come only from > visually impaired > > persons who are capable of> > using the > applications. Members are > > requested to kindly consider the revised> > > procedural guidelines and > > issue necessary instructions to the operating> > > staff.> >> > Yours > > faithfully,> >> > K Unnikrishnan> > > Dy. Chief Executive> >> > > > Encl:A/a> >> > PROCEDURAL GUIDELINES FOR > BANKING FACILITIES TO> > > > VISUALLY IMPAIRED PERSONS> >> > I. General > Instructions> >> > Banking > > facilities for visually impaired persons should be > offered at all> > > branches of the bank.> > >>> > Banks should not equate visually impaired > customers with > >>> > illiterate> > > > customers.> >> > All Banks must provide > the same facilities to a > > visually > > impaired> > customer/prospective customer as it > would to any other > > impaired> > customer. > > But at the> > same time the customers should be > made aware of the risk > > > involved in some of> > these facilities which > may be higher than that > > for a normal customer.> >> > Additional > facilities like reading and > > filling up of forms, slips, cheques> > should be > provided to a > > visually impaired customer, if required.> >> > > Banks should not deny > > any services to visually impaired customers > including> > visually > > impaired customers who use their thumb impression for > operating the> > > > > bank account.> >> > A visually impaired > customer must not be forced to > > > operate the bank account> > jointly with any > person or in the presence > > > of any person.> >> > Visually impaired > customers may be allowed to > > appoint a person/persons as> > their Power of > Attorney or Mandate > > Holder to operate their bank> > account if the > visually impaired > > customer so desires.> >> > II. Opening of > Bank Accounts> >> > All > > banking products offered by the bank should be made > available to> > > > visually impaired persons.> >> > The bank > must follow the same > > procedure for opening the account of a> > > visually impaired person as > > it does for its other customers.> >> > He > / She must be allowed to > > open the account either singly or jointly with> > > others.> >> > The > > Bank must allow the visually impaired customer to open > a joint > > account> > with anybody that he/she chooses > including person(s) who > > is/are visually> > impaired.> >> > > The Officer / Manager of the branch > > > should read out the rules of business> > and > other terms and > > conditions in the presence of a witness, if required > by> > the > > customer.> >> > The bank branch manager > must inform a visually > > impaired customer/prospective> > customer of his > rights and > > liabilities before opening the account.> >> > > The documentation > > requirements of a visually impaired customer must be > the> > same as > > any other customer.> >> > The account has > to be clearly marked as "the > > > account holder is visually> > > impaired".> >> > III. Withdrawal of cash > / Cheque book facility> >> > Facilities for > withdrawal of cash as are > provided to all customers > > regarding> > cash payments must be provided to > visually impaired > > regarding> > customers.> > >>> > In case a visually impaired customer > makes cash withdrawals at the > > >>> > bank > > then> > the payment must be made in the presence > of another bank > > employee/officer.> > No outside witnesses are > required unless the > > visually impaired customer> > requests that such > witnesses be > > present.> >> > Operations should not be > restricted to > > self-withdrawals.> >> > Cheque book > facility should not be denied to > > visually impaired person.> >> > All > procedures pertaining to the use > > of such cheque books by visually> > impaired > customers must be in > > accordance with that the other customers.> >> > >> Cheques issued by visually impaired persons to > third parties should > >> be> > > > honoured, if otherwise in order.> >> > IV. > Credit Cards /Debit Cards> > > >> > Visually impaired customers must be > issued credit cards/debit > > cards on> > request.> >> > All rules > and regulation regarding > > credit/debit card must be available on> > the > web-site of the > > respective bank in accessible format. These should > be> > read out to > > visually impaired persons and perceived risk factors > explained> > to > > them.> >> > Banks may consider issuing > Credit/Debit Card with > > Photograph. This> > Photograph will work as a > > identification/verification.> >> >> > > V. ATM/Debit Cards> >> > > > Visually impaired customers must be permitted to avail > of ATM > > facilities.> >> > Banks should also ensure > that the ATMs are > > accessible to other categories of> > persons > with disabilities such as > > > the orthopedically disabled.> >> > VI. On > Line Banking / Mobile > > Banking and Tele Banking/Phone Banking> >> > > All banks must have > > Accessible websites and conform to international> > > accessibility > standards.> >> > All customer facing > applications such as web > applications, > > desktop> > applications and mobile applications > should be accessible > > desktop> > to > > visually> > impaired persons.> >> > > The banks should have alternate > > visually> > methods > > of user authentication/password> > > verification.> >> > All features > > especially those related to customer security must > be> > accessible > > visually impaired persons.> >> > VII. > Lockers> >> > Visually impaired > > customers should be provided with locker facility > on> > request.> >> > > > > Suitable lockers conveniently located for operations > may be allotted.> > > > >> > Bank procedures for issuing a locker to > a visually impaired > > customer must be> > the same as to any other > customer.> >> > A > > visually impaired customer may be given the following > options for> > > > operation of locker:> >> > Operation - > > Singly> > Operation - Singly with the assistance > of a reliable person, > > > Singly> > as > > per the> > choice of the Applicant.> > > Operation - Jointly.> >> > A > > visually impaired customer may request the person > in-charge of the > > locker> > to be present when the locker is > opened or to check if > > nothing has been left> > behind or fallen after > the locker is closed.> > > > >> > VIII. Loans> >> > Loans must > be made available to visually > > impaired customers as are offered> > to other > customers and their > > impairment of vision should not be a criterion> > > for > > sanctioning/denying a loan.> >> > No > additional burden of interest > > payment, collateral and other terms should> > be > imposed on the > > visually impaired customer.> >> > > **********> >> > > > > _________________________________________________________________> > > > > Register once and play all contests. 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