I would like to supplement this by telling a very interesting incident.
Few
months back when I had approached to one of the dealers of the Indian Oil
Corporation to have my own gas connection, I heard that a lady had also
come
for the same purpose. The concerned person immediately asked that lady
whether she was married or bachelor, when she told that she was
unmarried,
he immediately denied that lady to have the gas connection and he
categorically said to that lady, "ham tumhen kaise gas connection de
sakte
hain, tum to shaadi karke kahin aur chali jaogi?" (how can we provide you
the gas connection, you would just run when you'll get married?) Now I
don't
really understand as to which of the laws of this land says that
unmarried
girls wouldn't have the right to own the gas connection?
Vikas Kapoor,
MSN Id:[email protected], Yahoo&Skype Id: dl_vikas,
Mobile: (+91) 9891098137.
----- Original Message -----
From: "Asudani, Rajesh" <[email protected]>
To: <[email protected]>
Sent: Wednesday, May 26, 2010 11:21 AM
Subject: Re: [AI] Difficulties in Banking
I perceive the matter of undertakings as being afraid of anything new.
Bear in mind, when typewriters were invented, women were required to
furnish
a medical certificate that they are fit enough to operate typewriter.
Now, is not it ridiculous?
A few years ago, a girl from chandrapur found a place in Guinness book
for
being the fastest typist at the age of 7 and typing 170WPM.
So, if apart from general undertakings if anything else is required by
way
of disability, then it must be established by rules.
And rules also can be modified to be in sync with relevance of
disability
for a particular transactions.
For instance, maharashtra government has not identified any post of
lecturer
in any subject but music for blind, does anyone with minimum rational
capacity see any logic in this?
So, let us be logical, and evaluate the implications of any disability
and
its consequent relevance in formulating the rules for any matter.
So, practice of lowly officials framing their arbitrary rules needs to be
severely dealt with any possible manner.
Like Doctor Lahane an eye specialists feels that totally blind are not
capable to discharge many of jobs identified in central list, and so has
debarred them from undertaking them in maharashtra by committees and
issuing
so many GRs.
I know cases are being fought by our honorable members for it, on the
ground
there is hardly any change.
So, I sincerely feel we must adopt all and every means to have sound laws
and rules in place and then curb anybody except legislature from
tempering
with them.
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: [email protected]
[mailto:[email protected]] On Behalf Of Viraj Kafle
Sent: Wednesday, May 26, 2010 8:42 AM
To: [email protected]
Subject: Re: [AI] Difficulties in Banking
The discussion has not rolled back by any means. We are not talking about
general undertaking that every customer has to give, but unnecessary
impositions made on people on the basis of their disabilities. Is asking
NOC
from the parents of a capable visually challenged a general undertaking?
Of course, one can always choose between brands. But when brands indulge
in
whatever they want in order to maximise profit or to corner people of
certain sections of society, only talking about choice would not be
politically correct. I am quite happy with SBI, but does that mean that I
should keep mum and remain complacent when someone, not me, is denied or
is
illogically imposed by the PNB, or any other bank for that matter? When a
precedence gets established, particularly a wrong one, it does not take
much
time to spread and be widely accepted. The same applies to the precedence
of
denial. We can always boycott one for the other, but at the same time it
is
our right as well as obligation to speak against and thoroughly expose
those
involving in cornering certain sections of society in one way or the
other.
----- Original Message -----
From: "BHAWANI SHANKAR VERMA" <[email protected]>
To: <[email protected]>; <[email protected]>
Sent: Wednesday, May 26, 2010 8:07 AM
Subject: Re: [AI] Difficulties in Banking
yes, now the entire discussion is rolled back. the matter is whether a
customer should give undertaking or not. if 2-3 line undertaking solve
your problem, then what is the matter. practice of undertaking is all
for
general, not for blind customers. we take undertaking in minor account,
some times in pension account, if a pensioner is to old, unable to
execute
his transactions and can not step up to the branch. blind person has to
face many problem in his daily living, banking is one of them. do we get
barrier free environment in our city? we have PWD act for it. not only
blind, each and every type of disabled person must have full right to
get
all services. whether it is banking, telecom, railways, airlines,
electricity. law and rules are the guidelines. the person sitting on the
chair, how he interpreted this law. my suggestion is don't be a brand
loyal, be a system loyal. if you want to buy a soft drink, there are to
many shops, being an employee of PNB, if my bank denies any services to
me, i won't hesitate to avail that particular service from another bank.
suppose, if your salary account exist with ABC bank but their loan
rates
are higher then XYZ bank, then you will bank, then you will fopefully
won't avail the loan facility from that bank.
----- Original Message -----
From: "Mukesh Sharma" <[email protected]>
To: <[email protected]>
Sent: Tuesday, May 25, 2010 6:57 PM
Subject: Re: [AI] Difficulties in Banking
Give me one such case.
When issuing ATM card, the bank in their pure diplomatic language
express
"NO RISK of the BANK" on the misuse of the Card and the undertaking has
to
be signed by the customer and I guess that is sufficient to save your
job!
This is what should be done for every customer irrespective of the so
called
disability or ability to see or even use ATM independently.
The bread and butter is forcing you to stand by bankers approach but
what
about your personal opinion.
Or let's do it other way, suppose you are a customer and I am a BM,
explain
me why I shouldn't issue a ATM Card to you, if you can not, then help
in
your capacity to get every individual to enjoy facility equally be it
of
ATM
or Cheque Book.
A BM is there to make life of customer easier and not difficult else
the
scheme of banking would have not been possible for illiterate and BPL
customer.
Thanks
Mukesh
-----Original Message-----
From: [email protected]
[mailto:[email protected]] On Behalf Of BHAWANI
SHANKAR
VERMA
Sent: Tuesday, May 25, 2010 6:09 PM
To: [email protected]
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" <[email protected]>
To: <[email protected]>
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" <[email protected]>
To: "B. R. Nautial" <[email protected]>; "access india"
<[email protected]>
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" <[email protected]>
To: <[email protected]>
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" <[email protected]>
To: <[email protected]>
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" <[email protected]>
To: <[email protected]>
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: [email protected]
[mailto:[email protected]] On Behalf Of Kamal
Verma
Sent: Monday, May 24, 2010 4:51 PM
To: [email protected]
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" <[email protected]>
To: <[email protected]>
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 <[email protected]> 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"
<[email protected]>
To: <[email protected]>
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 <[email protected]>
> 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"
> > <[email protected]>
> > To: <[email protected]>
> > 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
> > <[email protected]>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 <[email protected]>
> > > > 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 >
> > [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
> > > > >
> > > >
> > > > --
> > > > 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/
> > > >
> > > >
> > > >
> > > > 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
> > > >
> > > >
> > >
> > >
> > > 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
> > >
> >
> >
> >
> >
> > 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
> >
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> >
> >
>
>
> --
> Mahesh S. Panicker
> C123;
> Dayanand Colony;
> Lajpat Nagar4;
>
> New delhi india.
>
>
>
> 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
>
>
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