Pranam
Q10: Latest everyone shall know:about Locker
PRANAM
New bank locker rules effective from January 1: How locker customers will
be impacted
If you have rented a locker or plan to rent one to store your valuables in
a bank locker, then you should be aware of the new bank locker rules laid
out by the Reserve Bank of India (RBI) that came into effect on January 1,
2022. The RBI announced the new guidelines via a notification on August 8,
2021.
Here is a look at the revised guidelines for bank lockers and its impact on
locker users, as per the RBI notification.
When the bank will compensate customers Banks will be eligible to pay in
case of any loss of locker content resulting from the bank's negligence,
according to the new RBI standards.
The RBI notification says: "It is the responsibility of banks to take
all steps for the safety and security of the premises in which the safe
deposit vaults are housed. It has the responsibility to ensure that
incidents like fire, theft/ burglary/ robbery, dacoity, building collapse
do not occur in the bank's premises due to its own shortcomings, negligence
and by any act of omission/commission. As banks cannot claim that they bear
no liability towards their customers for loss of contents of the locker, in
instances where loss of contents of locker are due to incidents mentioned
above or attributable to fraud committed by its employee(s), the
banks' liability
shall be for an amount equivalent to one hundred times the prevailing
annual rent of the safe deposit locker."
When the bank will not compensate
The bank will not be liable for any damage or loss of locker contents
caused by natural calamities or acts of God such as earthquakes, floods,
lightning, or thunderstorms, or any act attributable to the customer's sole
fault or negligence, according to the revised guidelines. Banks, on the
other hand, must take reasonable precautions with their locker systems in
order to secure their facilities from such disasters.
New locker agreement by January 1, 2023
While banks will begin implementing operational standards on January
1, 2022, safe deposit locker holders will need to execute a new locker
agreement with the bank in order to be eligible for the new pay. Banks are
free to use the IBA-drafted model locker agreement. According to the RBI
notification, this arrangement must comply with the updated instructions as
well as the Supreme Court's directives in this regard.
“Banks shall ensure that any unfair terms or conditions are not
incorporated in their locker agreements. Further, the terms of the contract
shall not be more onerous than required in ordinary course of business to
safeguard the interests of the bank. Banks shall renew their locker
agreements with existing locker customers by January 1, 2023,” added the
notification.
SMS and email alerts about locker access and operation Banks to
notify before the end of the day, by sending an email and SMS alert to the
customer's registered email address and mobile number as a positive
confirmation, informing them of the date and time of the locker operation,
as well as the redressal mechanism available in the event of unauthorised
locker access.
More transparent locker allotment
Due to banks' lack of transparency and opaque methods, the process
of obtaining a new locker has been a source of frustration for customers.
Many banks failed to disclose the correct inventory status to a new locker
seeker and used this as a technique to persuade consumers to purchase
investment products. The new guidelines, on the other hand, are expected to
change this. For the purpose of allotment of lockers and to guarantee
transparency in allotment of lockers, banks shall maintain a branch wise
list of vacant lockers as well as a wait-list in their Core Banking System
(CBS) or any other computerised system consistent with the RBI's Cyber
Security Framework. If lockers are not available for allotment, the banks
must acknowledge receipt of all applications for locker allotment and
provide consumers with a wait list number. Banks will continue to accept
term deposits in order to collect locker rent. In banks, it is common to
practise to get a significantly higher term deposit than is required to
recover the annual locker rental.
The new guideline clarifies his stance.
“To ensure prompt payment of locker rent, banks are allowed to obtain a
Term Deposit, at the time of allotment, which would cover three years' rent
and the charges for breaking open the locker in case of such eventuality.
Banks, however, shall not insist on such Term Deposits from the existing
locker holders or those who have satisfactory operative account. The
packaging of allotment of locker facility with placement of term deposits
beyond what is specifically permitted above will be considered.
CCTV footage of locker operation
If their risk assessment indicates that it is necessary, the banks must
implement an Access Control System that will prevent unlawful entry and
create a digital record of locker room access with a time log. Banks may
cover the entry and departure of the strong room, as well as the common
areas of activity, with CCTV cameras, and save the recordings for at least
180 days, according to their internal security policy. If a customer
complains to the bank that his or her locker has been entered without his
or her knowledge or consent, or that there has been a theft or security
breach, the bank will keep the CCTV recording until the police
investigation is concluded and the issue is resolved. Keys must be easily
distinguishable. Banks must ensure that the bank's / branch's
identification code is imprinted on all locker keys in order for law
enforcement agencies to identify lockers and locker owners in the event of
an emergency.
Safe to access electronic locker
If the lockers are controlled by an electronic system, the bank must take
reasonable precautions to ensure that the system is secure against hacking
or other security breaches. The Reserve Bank has mandated that banks verify
that electronically controlled lockers comply with the Reserve Bank's Cyber
Security Framework. The system should be able to keep a permanent record of
locker actions.
Transfer of content if the account holder dies
If the sole locker hirer nominates an individual to receive the contents of
the locker in the event of his death, the banks shall give such nominee
access to the locker with the liberty to remove the contents after an
inventory is taken in the prescribed manner, after verification of the
death certificate and satisfying the identity and genuineness of such
individual approached. If the locker was hired jointly with instructions to
operate it under joint signatures and the locker hirer(s) nominates any
other individual(s), the bank shall give access to the locker and the
liberty to remove the contents jointly to the survivor(s) and the
nominee(s) after an inventory was taken in the prescribed manner in the
event of death of any of the locker hirers.
KR IRS 8122
On Sat, 8 Jan 2022 at 05:13, 'gopala krishnan' via iyer123 <
[email protected]> wrote:
> *CULTURAL QA 01-2022-08*
>
> *BEING A COMPILATION THERE MAY BE ERRORS*
>
> Q1 Why do many South Indian ladies wear white flowers in her
> hair backside?
>
> A1 Pratima Gedela Mon
>
> *Women wearing flowers on their head is a common sight in India,
> especially in South India.*
>
> Flowers are applied extensively in most worship processes in the Hindu
> way, including worship of Divine mother goddess.
>
> According to us wearing jasmine flowers is a part of our South Indian
> culture.
>
> We usually wear it on auspicious occasions. And it is compulsory to wear
> jasmine for married women on such occasions.
>
> Jasmine flowers are also used in weddings, festivals and temple offerings.
>
> But other than jasmine, it is a practice to put rose, marigold, hibiscus
> on hair too.
>
> Different Flowers
>
> Every flower has a different meaning attached to it. Here are a few
> flowers which are usually worn by women.
>
> Jasmine: Jasmine is known as the queen of flowers because of its
> breathtaking fragrance. It is also called the God's own flower as no
> festival is deemed complete without using jasmine flowers. It is a mark of
> prosperity and good luck. It’s my favourite flower too 😜
>
> Rose: Rose is the symbol of love and passion. It is also a mark of
> mourning for loved ones. So, a girl wearing rose on hair may symbolise her
> passion in life or the memory of a lost one.
>
> Hibiscus: It is the symbol of strength since hibiscus is used in the
> worship of Goddess Kali and other forms of Shakti.
>
> Hence, Wearing flowers in not only a way to beautify but also a mark of
> well- being of family.
>
> *My note- For reasons not known to me, a person* wearing hibiscus is
> considered *mentally disturbed in Tamilnadu.* In Kerala as Prasad from
> Devi temples we get hibiscus petals and men usually keep in ear and ladies
> wear on head.
>
> Q2 How does it feel to argue with your life partner?
>
> A2 Bhuvana Rameshwar married for three decades 11h
>
> Arguing with your spouse? I used to do that often earlier but sometimes it
> is used to be of a different level. Simple ones don't spoil my day because
> we had jobs to keep us busy. Most of the time I am right OR I think so
> based on my experience.
>
> But sometimes they are of a high grade. Some sentences spoken by him out
> of anger hurt me emotionally to a deeper level. That's when it squeezes our
> self confidence the most. It felt like a wound too painful that cannot be
> expressed or a tear so big that cannot come out but blocks my eyes . It was
> a energy- drainer that keeps hitting if the mind is idle.
>
> *But these were common in the first ten to fifteen years of married life*.
> They were adjustment issues or something to with people around, relatives.
> Most got solved or forgotten with a sorry or an explanation.
>
> Ofcourse I used to temporarily feel very depressed after such arguments or
> any absurd accusations. , as if there is nobody for me in this world . I'm
> all alone on this earth. Like nobody loves me etc. ***Because a husband's
> space cannot be filled by anybody not even parents or children. But we
> soon made up and things became fine. But some of those words got embedded
> somewhere deep in my heart (or mind in think).
>
> Nowadays I don’t get hurt that much. I have become thick skinned or more
> evolved as a person. I just move away to a different room or don't reply to
> any of his stupid arguments or accusations. I have become calmer. May be
> it is my age and experience or something to do with my BP tablets which
> keeps my adrenaline in control. I prefer to spend my energy on my hobbies
> rather than arguing with a person who is deaf to answers and unreasonable,
> even if it is my own, loving husband of many decades.
>
> *My note- A line all women have to understand.* Similarly, all husbands
> have to understand- a wife’s space cannot be filled by anybody not even
> parents or children
>
> Q3 How long can I run my AC without a filter?
>
> A3 Natraj. D, Car, Bike, Electrical (Repairs & maintenance)
> advisor Answered 2h ago
>
> Never run the AC without a filter mesh since the dust and dirt will get in
> clogging the cooling coil making it unusable after some time. The filter
> acts as a protection to the cooling coil.
>
> *My note- When the proper size of filter was not available I had to use my
> AC with torn out filter for months together. Something is better than
> nothing.*
>
> Q4 As an Indian, which state do you respect the most (don't
> include your state)?
>
> A4 Surya Kiran Tiruvuri A Polyglot Tue
>
> I love Karnataka the most. I have heard many people from Hyderabad who
> settled in Bengaluru saying that they love Bengaluru more than Hyderabad.
>
> I have been to Bengaluru for a few months. Visited many places in
> Bengaluru. I have also been to Chikamagalur, srirangapatna for a few days.
> In Bangalore I have seen some people giving you choices of languages to
> pick : Telugu, Kannada, Tamil, Hindi and reply you in that language . That
> was a bit surprising. There are some places where even at midnight 2:00 you
> will be seeing a lot of people gathering during weekends. *In Bengaluru I
> have seen a Telugu movie with Telugu audio in theatre and that is something
> very rare thing that will happen in other states for Indian
> languages(excluding Hindi).*
>
> So overall Karnataka is a fantastic place which many non natives prefer to
> live. Other than Karnataka I have been to Chennai and Maharashtra long ago
> for short visits. In Chennai I only remember visiting Sarvanan Bhavan and
> Marine Beach. That too was a fantastic place but didn't spend much time
> there. Other than these *I have heard about Kerala being wonderful place
> to visit from many people but never visited Kerala.*
>
> So, so far it is Karnataka. However irrespective of which state you live
> it is the people's friendliness, memories and other factors that make you
> like places. *So Hyderabad will be always fantastic place for me.*
>
> Q5 Is it safe to eat a banana flower?
>
> A5 Sachin MasekarHome Chef (1978–present)Sun
>
> *Banana flowers are very low in cholesterol and sugar.* However, bananas
> are naturally rich in calcium, good quality protein, magnesium, iron and
> copper*. It helps heart patients and diabetics to benefit from its
> intake.*
>
> Banana flowers vegetable is very famous in the state of Maharashtra in
> India. Let us see the benefits of its.
>
> 1. Banana flowers is a very nutritious and fertile food. Therefore,
> children should eat this vegetable.
>
> *2. Banana flowers relieves uterine complaints.*
>
> 3. Banana flowers keeps hormones in balance.
>
> 4. In case of excessive bleeding during menstruation, eat Banana flowers .
>
> 5. Menstrual cramps also go away.
>
> 6. Helps to control blood pressure.
>
> Selecting and pruning banana flowers is a bit complicated and medical
> work; But its nutritional value is more important.
>
> Q6 Which famous Hindu temples do not have a foundation?
>
> A6 Harsh V Ashok Studied at Manipal Institute Of Technology
> (MIT)Updated Dec 29
>
> *There's one such very famous temple which has no foundation is
> Brihadeeswara temple* dedicated to lord shiva located at Thanjavur. This
> temple is symbol of chola power and was built by Rajaraja chola in between
> 1003–1010 AD and was named as Rajarajeshwaram temple (The temple of iswara
> of Rajaraja). This site is also part of UNESCO world heritage site.
>
> This temple made of granite has the tallest Vimana (tower) among temples
> in India with 16 storeys and height of more than 200ft. There's no binding
> material (such as plaster) used for construction. A masterpiece of
> architectural imagination where work was carried out on a grand scale with
> weight load evenly distributed among pillars and beams. On the top of this
> massive temple lies a shikhara (dome) of around 90tonnes weight. There's an
> interesting story behind placing this heavy shikhara on the top of temple
> tower. A 4km long incline path was bulit to enable it to be rolled over to
> the top of temple, later the path was dismantled.
>
> There might be other temples without foundation but sadly I'm not much
> aware about them.
>
> My note- Authority for answer is not checked- “Brahadiswara temple has no
> foundation”.
> <https://architecturedesigning.quora.com/When-cementing-tile-why-do-people-add-rows-to-the-cement-instead-of-just-leaving-it-smooth>
>
> *Q7 When cementing tile, why do people add rows to the cement
> instead of just leaving it smooth?
> <https://architecturedesigning.quora.com/When-cementing-tile-why-do-people-add-rows-to-the-cement-instead-of-just-leaving-it-smooth>*
>
> A7 Bob Edwards <https://www.quora.com/profile/Bob-Edwards-21>
> Dec 28
> <https://architecturedesigning.quora.com/When-cementing-tile-why-do-people-add-rows-to-the-cement-instead-of-just-leaving-it-smooth-1>
> You mean like this…
>
> *The grooves add ‘tooth’ to the tile adhesion*. The cement squirms into
> all of the grooves in the tile back and air can escape leaving no voids.
> The notches are of various sizes depending on the type of tile and cement
> you are using. The notches govern the depth of cement applied far more
> accurately than you could with a plain trowel giving a level floor or wall.
>
> [image: Description:
> https://qphs.fs.quoracdn.net/main-qimg-bb313b4704bc4555541e95b8b7a1f24c-lq]
>
> Q8 Why should a home undergo a pre-construction termite
> treatment?
>
> A8 UltraTech Cement India’s No 1 Cement. Updated Sep 9
>
> Protection of buildings from attack by subterranean termites has become
> necessary for the aesthetics and durability of building. This is because
> termite infestation can weaken structures and damage wooden surfaces.
> Wherever there is wood, there are bound to be termites and if left
> unchecked, these pests can cause substantial damage to the structure.
>
> To combat the menace of termites, you must get an expert to spray
> anti-termite chemicals at various stages of the construction. The spraying
> should start from the foundation and continue till the completion of the
> home.Neglecting the termite menace could cost you dearly.
>
> Here's what you need to know to keep your home free of termites:
>
> · The soil around the foundation should be treated up to the plinth level
> with appropriate chemicals.
>
> · The chemical barrier should be continuous and complete.
>
> · Treatment can be done pre, during and post construction stages.
>
> · Care should be taken to ensure that the chemicals do not contaminate the
> domestic water sources.
>
> Q9 Was cancer as prevalent before modern industrialization and
> production of processed food?
>
> A9 Franklin Veaux Professional Writer Jan 1
>
> *No. Before modern industrialization, fewer people lived long enough to
> get cancer*. Cancer is what kills you if nothing else does. Before
> industrialization, lots of people were too busy dying of malnutrition,
> starvation, leprosy, tuberculosis, bubonic plague, smallpox, yellow fever,
> syphilis, gangrene, and sepsis to die of cancer. And “processed food”
> doesn’t mean what you think it means. Nearly everything you put in your
> mouth is processed—yes, even if you eat a frou-frou all-natural certified
> organic vegan diet. We started eating processed food about the time we
> discovered fire.
>
> Q10 If a valuable item is stolen from a bank locker, who pays for
> it?
>
> A10 Sangram Sagar Dec 28
>
> See, if you bring any bank, then a contract is signed between you and the
> bank, in which it is written that in case of robbery, theft, fire, or any
> disaster in the bank, there will be no responsibility of the bank.
>
> Whatever the customer keeps in the locker is his responsibility. The
> reason for this is that the bank does not have any information about what
> you have kept in the locker. The bank does not know whether you have kept
> 10 rupees or 100 lakhs or something else in it. *So how can the bank
> guarantee the contents of your locker in case of any emergency?*
>
> However, banks are very careful about the safety of their lockers. The
> bank will take every step that is necessary to protect your locker. Banks
> keep alarmed, CCTV, sensor, guard, etc. And mishaps can happen anywhere. If
> the bank also earns money from the locker, then it itself would like that
> the precious belongings of the customer should be safe.
>
> The customer has the right to ask the bank what arrangements have been
> made by the bank for their security. Which company do the lockers belong to?
>
> So your luggage is safe in the locker, *but in case of emergency and
> robbery, the bank will not give you anything because in this situation it
> does not take any responsibility for your belongings.*
>
>
>
> Q11 What are the five hand tools that are available at home?
>
> A11 2 Answers Yogesh Tak, Area Manager (Sales and Marketing)
> (2001-present) Answered 30m ago
>
> Wrenches. A wrench is a hand tool that allows you to firmly hold standard
> sized bolts and nuts that are going to be loosened& tightened.
>
> Screwdrivers. Pliers.Hammers.Hand Saws.
>
> *2nd answer- Gopala Krishnan, former Assistant* General Manager 1996-2004
> at Department of Telecom (1966-2004) Answered just now
>
> I think one on top list must be Phase tester. It is a testing tool.
>
> Another is a strong wooden rod. If any body get electric shock he/she can
> be pushed down using it. It is a hand tool.
>
> Third must be adjustable screwdriver unit. Any width of screw driver can
> be inserted and used including star screwdrivers.
>
> Fourth must be a good and convenient home ladder- it is not a hand tool,
> but a must in home.
>
> During this covid pandemic , though costly, an oxygen measuring meter
> called oximeter. Also temperature measuring thermo meter. These are
> meters.
>
> Q12 Why are there so many North Indians migrating/living in the
> South but there hardly any or close to 0 South Indians in the North India?
>
> A12 Kanthaswamy Balasubramaniam Lawyer Jul 13
>
> *At 6 Pm take a walk around Lake Market in Kolkata.It will be like you are
> in Tamilnadu*
>
> You will get Udupi Restaurants, Tamil magazines, Southern Spices, Idli
> Flour, Even a Tamil Movie Theatre.You have a Rajini Fan Club numbering
> 80,000 People registered there.
>
> Likewise Matunga , Anushakti Nagar, Chembur, Borivali have so many South
> Indians thats its impossible to travel a single day without hearing
> Tamil, Telugu, Kannada (Rare) or Malayalam in the BEST or Local Trains
>
> And Delhi is another place. Just visit RK Puram and the Central Govt
> Flats will have many many South Indians working in the GOI in various pay
> grades.
>
> So there are many South Indians in the North
>
> From 1950–1990 - GOI was the largest employer in India and their base was
> almost entirely in the North, East and West and hence there was mass
> migration from the South to the North.
>
> Likewise since Construction and Development was mainly Mumbai - Migrants
> flocked to Mumbai from the South
>
> From 2000s - IT and Service and Insurance sector is the largest employer
> and since their base is almost entirely in the South (Hyd Blr Chennai),
> there is mass migration from North to South.
>
> *Today South is where a lot of Construction and Development takes place ,
> hence mass migration* from North and North east to the South.
>
> So today a lot of Young North Indians can be found in Bangalore, Chennai
> or Hyderabad but its rarer to see Young South Indians in Delhi or Mumbai
> With Gurgaon and other areas slowly becoming Centres - the trend will
> change pretty soon.
>
> *All the above QA are from Quora website on 07-01- 2022. *
>
> *Compiled and posted by R. Gopala krishnan ,78, former ITS on 08-01-2022*
>
>
>
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