From RBI’s first directive to all banks (RBI / 2007-08 / 358 DBOD.No.Leg BC. 91 /09.07.005/2007-08) dated June 4, 2008 “Banking facilities to the visually challenged” has following para which is part of almost all legal directives by RBI master circular of July 2014, Indian Bank Association and Banking Codes and Standards Board of India (BCSBI). It is copied by all.
“Banks should therefore ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, Net banking facility, locker facility, retail loans, credit cards etc., are invariably offered to the visually challenged without any discrimination.” On page 43 of BCSBI Code dated January 2014 has mentioned: x. We will ensure that all the banking facilities such as cheque book facility, ATM facility, Net banking facility, locker facility, retail loans, credit cards etc., are invariably offered to the visually challenged without any discrimination. xi. We will render all possible assistance to the visually challenged for availing various banking facilities IBA procedural guidelines of November 2008 says: All banking products offered by the bank should be made available to visually impaired persons. RBI Master Circular on Customer Service in Banks dated July 1, 2014 reads: 10.3 Providing banking facilities to Visually Impaired Persons In order to facilitate access to banking facilities by visually challenged persons, banks are advised to offer banking facilities including cheque book facility / operation of ATM / locker, etc., to the visually challenged as they are legally competent to contract. In the Case No. 2791/2003, the Honourable Court of Chief Commissioner for Persons with Disabilities had passed Orders dated September 5, 2005 which was forwarded by IBA to all the member banks vide their circular letter dated October 20, 2005. In the above Order, the Honorable Court has instructed that banks should offer all the banking facilities including cheque book facility, ATM facility and locker facility to the visually challenged and also assist them in withdrawal of cash. Further, in Paragraph 14 of the above Order, the Honorable Court has observed that visually impaired persons cannot be denied the facility of cheque book, locker and ATM on the possibility of risk in operating / using the said facility, as the element of risk is involved in case of other customers as well. Banks should therefore ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, Net banking facility, locker facility, retail loans, credit cards etc., are invariably offered to the visually challenged without any discrimination. Banks may also advise their branches to render all possible assistance to the visually challenged for availing the various banking facilities. No way any bank can deny current account opening as all banking regulators have clearly given directive as "all banking facilities:. It is high time RBI and IBA should come out with revised directive by removing ambiguities. Regards, Prashant Naik On Fri, Nov 6, 2015 at 8:21 PM, Srinivasu Chakravarthula < li...@srinivasu.org> wrote: > Nirmal - > Sorry but I think it's time we may end up raising voice than just > educating. If ICICI says they don't have guidelines to let visually > impaired person open current account, do they have anywhere written it > should not be opened? Or did RBI or IBA told them to have accounts opened > for specific category of people?? > > I completely agree that ICICI is rather illiterate and I would even say > non-secured bank in this country. A while ago, they were running after me > to open an account even without any proof of documents. :-( > > Regards, > Srinivasu > > Regards, > > Srinivasu Chakravarthula - Twitter: http://twitter.com/CSrinivasu/ > Website: http://www.srinivasu.org > > Let's create an inclusive web! > > Sr. Accessibility Consultant, Deque > Hon. Joint Secretary, The National Association for the Blind, Karnataka > Branch > > On Thu, Nov 5, 2015 at 9:17 PM, Mukesh Sharma <mrmukeshsha...@gmail.com> > wrote: > > > Well, as far as ICICI bank is concerned, is one of most illiterate bank > > among all private banks, they don't evnen know what all kind of Saving > > account the bank offer, I had to give them the webpage address to get an > > easy receive account opened. Once I was successful in fighting for that > > account, opening a current account was just the matter of signing a lot > of > > nasty papers. > > > > > > > > > > > > Thanks With Best Regards > > Mukesh Sharma > > > > On 5 November 2015 at 15:06, Nirmal Verma <nirmalkat...@gmail.com> > wrote: > > > > > Hello Harish ji, > > > > > > The Person from Bank say that they dont have any clear cut guideline > from > > > ICICI bank to open current account of visually challenged person. They > > are > > > discussing it internally to get it done but I dont see much hope. Thats > > why > > > I asked for guidelines of different bank regarding curent account. > > > > > > Nirmal > > > > > > On 5 November 2015 at 14:58, Kotian, H P <hpkot...@rbi.org.in> wrote: > > > > > > > Hi Nirmal > > > > In RBI guidelines they have used the text " to provide all banking > > > > services" this includes current account and you have to drill this > > point. > > > > There is no ambiguity at all to interpret differently. > > > > > > > > Harish Kotian > > > > > > > > -----Original Message----- > > > > From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On > > > > Behalf Of Nirmal Verma > > > > Sent: 05 November 2015 12:38 > > > > To: accessindia; Himanshu Sahu; daisyforumofindia > > > > Subject: [AI] Current account guidelines > > > > > > > > Dear All > > > > > > > > This is an urgent call. I need guidelines followed by the banks while > > > > opening current accounts of visually impaired persons. I am fighting > it > > > out > > > > with ICICI bank for oepning current account of my wife. Please send > it > > on > > > > urgent basis. > > > > > > > > with kind reards > > > > > > > > Nirmal Verma > > > > 09311088660, 9335055960. > > > > > > > > > > > > Register at the dedicated AccessIndia list for discussing > accessibility > > > of > > > > mobile phones / Tabs on: > > > > > > > > > > > > > > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in > > > > > > > > > > > > Search for old postings at: > > > > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > > > > > > > To unsubscribe send a message to > > > > accessindia-requ...@accessindia.org.in > > > > 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 > > > > > > > > > > > > Disclaimer: > > > > 1. 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AI cannot be held liable for any commission/omission based on the > > > mails > > > > sent through this mailing list.. > > > > > > > > > > > > > Register at the dedicated AccessIndia list for discussing accessibility > > of > > > mobile phones / Tabs on: > > > > > > > > > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in > > > > > > > > > Search for old postings at: > > > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > > > > > To unsubscribe send a message to > > > accessindia-requ...@accessindia.org.in > > > 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 > > > > > > > > > Disclaimer: > > > 1. 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Contents of the mails, factual, or otherwise, reflect the thinking of > > the person sending the mail and AI in no way relates itself to its > veracity; > > > > 2. AI cannot be held liable for any commission/omission based on the > mails > > sent through this mailing list.. > > > > > Register at the dedicated AccessIndia list for discussing accessibility of > mobile phones / Tabs on: > > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > 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 > > > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of > the person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > Register at the dedicated AccessIndia list for discussing accessibility of mobile phones / Tabs on: http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in 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 Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list..
