My Applications to Reserve Bank of India in 2018

My Applications to Reserve Bank of India in 2018

Application

Application No: 201803000237 Status: CLOSED

Submitted Date: 21-03-2018 09:49:04 Closed Date: 03-04-2018 15:21:06

Application Details

Office: Mumbai R.O Department: DEPOSIT ACCOUNTS

DEPARTMENT

Section: AUDIT COMPLIANCE CELL

Application Under process With

Office: Mumbai R.O Department: DEPOSIT ACCOUNTS

DEPARTMENT

Section: ADMINISTRATION

Subject: Auditing house financing

Questionnaire:

Application Details Banks provide house construction loans to individuals as per their submitted sanctioned

map.When stepwise construction begins .say first plinth level ,the first amount cheque

releases or get deposited in the account.Here the plinth level is contructed as per

sanctioned plan is ignored by many banks.So to construct a house a plinth level auditing

must be implemented and such guidelines should be given to stop illegal way of

construction financing in housing sector in INDIA.

Final Remarks

Disposal Remarks Any Other-[not pertains to DAD]

Application

Application No: 201803000278 Status: REDIRECTED

Submitted Date: 22-03-2018 13:44:25 Closed Date:

Application Details

Office: Central Office Department: DEPARTMENT OF BANKING

SUPERVISION

Section: Advisory Board for Banking

Commercial and Financial

Fraud

Application Under process With

Office: Mumbai R.O Department: Consumer Education and

Protection Cell

Section: ADMINISTRATION

Subject: Bearer cheque transaction of non mobile connected accounts

Questionnaire:

Application Details It is found that cheque books are alloted to accounts which are not connected with

mobile alerts.If a third party bearer cheque is presented for transaction at the counter,the

person at the counter can debit higher amount than the amount on the cheque and

pocket the difference.Such fraud is rarely detectable hence third party bearer cheque

transactions should be banned with immediate effect for non mobile accounts.

Final Remarks

Disposal Remarks ,

Application

Application No: 201803000283 Status: SUBMITTED

Submitted Date: 23-03-2018 12:05:50 Closed Date:

Application Details

Office: Central Office Department: DEPARTMENT OF BANKING

SUPERVISION

Section: ADMINISTRATION

Application Under process With

Office: Central Office Department: DEPARTMENT OF BANKING

SUPERVISION

Section: ADMINISTRATION

Subject:

Questionnaire:

Application Details Passbook entry is very essential in banking.Passbook entry confirms correct

transactions.Please make it mandatory for all branches of all banks to keep passbook

printing available throughout their working hours.This is more important in rural

branches.

Final Remarks

Disposal Remarks ,

Application

Application No: 201803000327 Status: REDIRECTED

Submitted Date: 30-03-2018 11:23:30 Closed Date:

Application Details

Office: Central Office Department: DEPARTMENT OF BANKING

SUPERVISION

Section: ADMINISTRATION

Application Under process With

Office: Central Office Department: DEPARTMENT OF BANKING

REGULATION

Section: ADMINISTRATION

Subject: ATM related

Questionnaire:

Application Details For smooth and safe operation in the banks is the primary responsibility of RBI.The ATM

of the banks going dry in holidays and on other days, RBI can be held responsible for

such service.Make mandatory that for each transaction on any ATM ,Rs 10/- per

transaction charged to customer and amount paid to the owner of ATM.The amount so

collected be used that for extra hour duty payment to staff to service ATM properly.The

charged amount should also be used to insure ATM cash.

Final Remarks

Disposal Remarks ,

Application

Application No: 201804000109 Status: CLOSED

Submitted Date: 18-04-2018 07:57:38 Closed Date: 01-06-2018 11:13:33

Application Details

Office: Central Office Department: DEPARTMENT OF

CO-OPERATIVE BANK

REGULATION

Section: ADMINISTRATION

Application Under process With

Office: Central Office Department: DEPARTMENT OF

CO-OPERATIVE BANK

REGULATION

Section: ADMINISTRATION

Subject: Loan distribution by co-operative banks to farmers

Questionnaire:

Application Details It is found that co-operative bank provide unsecured agriculture loan to farmers in doing

so they collect 7/12 of that farmer,the loan is given on basis of entire land recorded on

7/12 though there may be more names on 7/12.The bank collect NOC on affidavit from

these persons. This procedure is wrong,the farmer should get loan for the portion of land

he is holding.Please give directive in this regard and ban NOC use while distributing

loans to farmers.

Final Remarks

Disposal Remarks Forwarded for further processing to the concerned central office department,