From: [email protected] [mailto:[email protected]] On Behalf Of Asudani, Rajesh Sent: Friday, February 17, 2012 11:37 AM To: [email protected] Subject: (VIB) RE: Shameful SBI, Shameful!
This is also a classic case for knowing how a constitutional/legal guarantee of equality can be deluded by bylaws, regulations, notifications, circulars, guidelines and finally internal fiats of organizations and become totally unrecognizable in the process. From: [email protected] [mailto:[email protected]] On Behalf Of Asudani, Rajesh Sent: Friday, February 17, 2012 11:29 AM To: [email protected] Subject: (VIB) Shameful SBI, Shameful! Friends These are internal provisions of SBI about accounts to Visually challenged. I only endorse the point of thumb impressions on cheques being attested due to non adoption of biometrics yet. All other points are just plane mindless chatter. What hope can we entertain if the largest bank behaves like this: In terms of Indian Banks' Association (IBA) Circular Letter No CE/RB-1/vip/1766 dated 18.11.2008 on 'Providing Banking facilities to Visually Impaired Customers", INB facility can be provided to visually impaired customer. An indemnity is taken from visually challenged customers for issuing cheque book. An indemnity on similar lines may be taken for providing INB faclity too. LIMITED Transaction rights may also be provided since we do provide Cheque Book with certain limitations. For your reference an extract from the Master Circular on Savings Bank Accounts is reproduced herewith ------------------------------------------------------------------------------------------------------------------------------------ **EXTRACT** (Master Circular No. NBG/PBBU/LIMA/17 27th September 2011) 2.7.0 Accounts in the names of visually impaired/ blind persons 2.7.1 A visually impaired / blind person may at her / his own risk, open ordinary or cheque operated deposit account in her/his sole name or jointly with other person(s). 2.7.2 If a blind person is illiterate, or literate but unable to sign uniformly, his thumb impression should be obtained as a rule on the account opening form, pay-in slips and the withdrawal order forms and all the other precautions prescribed for the opening and conduct of accounts of illiterate depositors will be followed. However, if a blind person is literate and he is in a position to sign uniformly, he may put his signature on the account opening form, pay-in slips and the withdrawal order forms. When a blind person is unable to be present personally for withdrawal of money, his signature or thumb impression should be duly attested by two persons known to the Bank or a magistrate under his court seal and the pass-book should accompany the letter of withdrawal. In case of cheque operated accounts all withdrawals by cheques will be permitted only under the signature of a duly constituted attorney of the blind account holder. 2.7.3 Where one of the depositors is blind, a joint account to be operated by 'any one, survivors or survivor' or 'either or survivor' may be opened and only the co-depositor who is not blind allowed to operate on the account by means of cheques. 2.7.4 A prominent remark or by means of a rubber stamp indicating that the depositor is blind will be made on the account opening form and in the system under the initials/ authentication of a supervising official. 2.7.5 In all cases where a withdrawal order form or a pay-in slip is presented by the blind depositor, a supervising official will ensure, after making enquiry with the blind person, that the correct amount has been entered therein; in the case of withdrawals, a supervising official should satisfy himself that the correct amount is paid. An official making verification of this nature will record on the relative voucher the fact of having made the necessary enquiries. 2.7.6 Two copies of the photograph of the blind person should be obtained, one copy being pasted on the account opening form and the other on the pass book. 2.7.7 In case of cheque operated account, the visually impaired / blind person may operate the account singly (i.e. self operated or through a power of attorney) or jointly with any other person as given below: A) SINGLE ACCOUNT Operation by cheque in the account in sole name of a visually impaired / blind depositor. i) Operation by cheque in the blind / visually impaired depositor's account in the sole name may continue to be permitted, under the signature of a duly constituted 'power of attorney' of the account holder. ii) Where the depositor declines to operate her/his account in the 'sole name' through a power of attorney and insists on self operated cheque facility account, her/his request may be acceded to, only if, the depositor agrees to furnish an undertaking in the prescribed format that the self operated cheque book facility be provided / extended to the depositor / customer at her / his own risk. B) JOINT ACCOUNT Operation by cheque in the joint account of visually impaired / blind depositor(s) i) Where one of the depositors is visually impaired/blind, a joint account, to be operated by 'either or survivor' or 'anyone of us or survivor(s)' may be opened and only the codepositor, who is not blind, is allowed to operate on the account by means of cheques. ii) In case, both / all the joint account holders are visually impaired / blind, then the account will be operated as given below: a. Under the duly constituted attorney of the (visually impaired / blind) joint account holders. b. Where the visually impaired / blind depositors/account holders decline to operate their 'cheque facility account' in joint names through a 'power of attorney' and insist on 'self / jointly operated cheque facility account', their request may be acceded to, only if, both / all the joint account holders agree to furnish an undertaking in the prescribed format that the 'self operated cheque book facility' be permitted to the account holders at their own risk. 2.7.8 SELF OPERATED CHEQUE FACILITY TO VISUALLY IMPAIRED PERSON i) In case of self operated cheque facility, an undertaking in the prescribed format will be obtained in duplicate from the depositor(s) at the time of opening the account. One copy will be annexed to the account opening form when forwarding it to the 'LCPC'. The duplicate copy shall be filed separately at the branch and shall remain in the custody of the 'Manager of the Division' / 'Branch Manager'. The file shall be made available to the inspecting officials for verification at the time of audit. ii) On receiving the cheque book from LCPC, the depositor should bring it to the Bank for branding of caution stamp and/or attestation of the thumb impression. The Bank official shall arrange for branding of the caution stamp "CARE - DEPOSITOR VISUALLY IMPAIRED" on the cheque book (each cheque leaf) to alert the Bank officials /operational staff. Also the thumb impression of the account holder should be duly affixed on the cheque and authenticated by the bank official under his signature and SS no., along with the bank stamp. iii) To enlarge the scope of banking facilities to the visually impaired / blind customers, they may be allowed to issue 'Post Dated Cheques' to banks and financial institutions. iv) Crossed cheque book for specific purpose like payment of loan, utility bills etc. may be issued to the visually impaired / blind depositors, if requested. Or else, the cheques should be crossed at the time of issue. v) In case of 'self operated cheque facility account' of visually impaired depositors, the third party cash payment of self drawn cheques is not permitted. vi) On the request of a visually impaired account holder, the Bank should issue cheques in the name of the specified payee to make periodic payments for the retail loans, utility bills etc. Bank official will facilitate in filling up the cheque in the presence of the visually impaired account holder. At the time of issuing such cheque(s), thumb impression of the account holder should be duly affixed on the cheque and authenticated by the bank official under his signature and SS No. along with the bank stamp. vii) The cheque, where the depositor(s)' thumb impression is not attested by the Bank official, shall be dishonored when presented for payment. viii) For cash withdrawals the visually impaired person should personally present herself / himself before the Bank official who will facilitate in filling up the cheque. 2.7.16 In case of self operated cheque facility account of visually impaired / blind depositors, the third party cash payment of self drawn cheques is not permitted. ------------------------------------------------------------------------------------------------------------------------------------- These are my views, INB is provided to visually challenged customers. ----- Original Message ----- From: Asudani, Rajesh<mailto:[email protected]> To: mamta<mailto:[email protected]> Sent: Friday, February 17, 2012 10:46 AM Subject: RE: Internet banking for VI What does your internal circular say? From: mamta [mailto:[email protected]] Sent: Friday, February 17, 2012 10:46 AM To: Asudani, Rajesh Subject: Re: Internet banking for VI yes I have the circular for the same. will also try asking on the list if some one has any different circular. once again thanks a lot sir. ----- Original Message ----- From: Asudani, Rajesh<mailto:[email protected]> To: mamta<mailto:[email protected]> Sent: Friday, February 17, 2012 10:26 AM Subject: RE: Internet banking for VI Dear Mamta I think there isno extra step in giving internet banking to VI. All the presumptions regarding not disclosing password etc. to anybody, and doing the transactions at one's own risk operative for sighted users would apply. All the normal undertakings etc. have to be taken. No extra undertaking is required. However, as your SBI has started giving only special internet banking to VI, you may like to check out the internal circulars, if any, on the matter. From: mamta [mailto:[email protected]] Sent: Friday, February 17, 2012 10:02 AM To: Asudani, Rajesh Subject: Internet banking for VI Hello sir. can you advice me the correct course of action to give a internet banking to a VI customer? Some one from other branch was asking me and so I am not so sure that how do we get it. since I am a employee working they give it to me easily with out any problems. it seams that customers face some problems on this. plz can you help and tell me that what to do and how to go about it? awaiting for your reply sir. thanks a lot, "Disabilities create barriers, but determination breaks them". Hellen Keller. P Go Green: DO NOT print this e-mail unless absolutely necessary With thanks and regards. Mamta. STATE BANK OF INDIA ANDHERI WEST. Mumbai! --- Disclaimer --- The information in this mail is confidential and is intended solely for addressee. Access to this mail by anyone else is unauthorised. 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The Reserve Bank of India accepts no liability for any damage caused by any virus transmitted by this email. --- Disclaimer --- The information in this mail is confidential and is intended solely for addressee. Access to this mail by anyone else is unauthorised. Copying or further distribution beyond the original recipient may be unlawful. Any opinion expressed in this mail is that of sender and does not necessarily reflect that of State Bank group. --- ________________________________ Notice: This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you are not the intended recipient, any dissemination, use, review, distribution, printing or copying of the information contained in this e-mail message and/or attachments to it are strictly prohibited. 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Any opinion expressed in this mail is that of sender and does not necessarily reflect that of State Bank group. --- With thanks and regards (Rajesh Asudani) Assistant General Manager Reserve Bank of India Nagpur Cell: 9420397185 o: +91 712 2806846 R: 2591349 (In youth you want things, and then in middle-age you want to want them.) ________________________________ Notice: This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you are not the intended recipient, any dissemination, use, review, distribution, printing or copying of the information contained in this e-mail message and/or attachments to it are strictly prohibited. If you have received this email by error, please notify us by return e-mail or telephone and immediately and permanently delete the message and any attachments. The recipient should check this email and any attachments for the presence of viruses. The Reserve Bank of India accepts no liability for any damage caused by any virus transmitted by this email. -- You received this message because you are subscribed to the Google Groups "Visually Impaired Bankers Of India" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/vib-india?hl=en. ________________________________ Notice: This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you are not the intended recipient, any dissemination, use, review, distribution, printing or copying of the information contained in this e-mail message and/or attachments to it are strictly prohibited. If you have received this email by error, please notify us by return e-mail or telephone and immediately and permanently delete the message and any attachments. 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If you have received this email by error, please notify us by return e-mail or telephone and immediately and permanently delete the message and any attachments. The recipient should check this email and any attachments for the presence of viruses. The Reserve Bank of India accepts no liability for any damage caused by any virus transmitted by this email. Search for old postings at: http://www.mail-archive.com/[email protected]/ 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
