Hi Actually, it is the change of technology which is the problem. In the old days, there was branch banking and the folks knew us and our signatures. Now a days CBS and the persons passing the cheques are disconnected with the customers. Earlier it was the instrument where they would verify the signature, now it is the image of the cheque. Visually it is very difficult to distinguish the tumb impression on the monitor.
, we can also use technology like aATM, UPI etc. I am not being a spokesman of the Banks, I am only voicing their concerns which we also need to appreciate. We should come to some meeting point which is somewhat practical and reasonable. Harish. -----Original Message----- From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of Satguru Rathi Sent: Monday, November 13, 2017 4:28 PM To: accessindia@accessindia.org.in Subject: [AI] Fwd: FW: Latest notification on additional banking services to disabled Hi sir, Wanted to post this on list but... Well, now I am writing on the list to have a discussion on it. Well, I am not denying the fact that one should learn to sign but can it be forced upon someone when there is technology available to authenticate thumb impression? Why don't the bank employ that technology instead of forcing someone to beg people to become their witness just to withdraw money? Think of a scenario where a person is holding an account with a bank for 5-6 years and all these years he has been doing the banking with ease and suddenly he is asked to produce witnesses to withdraw his own money despite the fact that all the staff has seen him all these years while transacting! All those years I have studied Braille, now shall we argue to learn print right from the beginning? I don't find it easy to learn sign since I have no exposure to print, so just because I can't sign, and the bank don't want to deploy the technology which can remove this barrier, I shall need to beg people to become my witnesses! I don't know where are we heading. With best regards, Satguru ___,__.___ "Life's battle do not always go, to the stronger or faster man. But sooner or later the one who wins, is the one who thinks he can." Satguru Rathi +91-9871489945 satgurura...@gmail.com -------- Forwarded Message -------- Subject: FW: Latest notification on additional banking services to disabled Date: Mon, 13 Nov 2017 07:54:48 +0000 From: Kotian, H P <hpkot...@rbi.org.in> To: Satguru Rathi <tarannumra...@gmail.com>, accessindia@accessindia.org.in <accessindia@accessindia.org.in> Hi I suppose, the issue is using thumb impression and not signature as this would not apply in this case. Witness, can be anyone and not someone you bring alone. It can also be a staff and there is no repercussion to the witness. At any time there are plenty of customers who can be requested for it. I don't think this should be a big problem. It makes sense to learn to sign. I would really see more an irritant than a problem really. Insistence of 2 witness is not really unreasonable as 1 can be managed to a fraudulent transaction compared to two. Harish. -----Original Message----- From: Satguru Rathi [mailto:tarannumra...@gmail.com] Sent: Monday, November 13, 2017 12:33 PM To: Kotian, H P <hpkot...@rbi.org.in> Subject: Re: [AI] FW: Latest notification on additional banking services to disabled Dear Harish sir and other learned members, As per the point no. 2 (E), Additional Facilities to visually impaired customers Banks are advised that the facilities provided to sick/old/incapacitated persons vide Paragraph 9 of our Master Circular DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer Service in Banks (regarding operations of accounts through identification of thumb/toe impression/mark by two independent witnesses and authorising a person who would withdraw the amount on behalf of such customers) shall also be extended to the visually impaired customers. Now, this is leading to denial of withdrawl for many blind people who do not have two people as witnesses. PNB, for instance, has come up with their own circular where a visually impaired person is required to produce two witnesses to withdraw money. A person in Haryana was actually denied from withdrawing the money as he didn't have any witness to sign. What do you suggest? With best regards, Satguru ___,__.___ "Life's battle do not always go, to the stronger or faster man. But sooner or later the one who wins, is the one who thinks he can." Satguru Rathi +91-9871489945 satgurura...@gmail.com On 11/10/2017 9:31 AM, Kotian, H P wrote: > > All > For information. > Harish Kotian > > > http://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI89F9DD47A9F3FA44 > 0E94C254135F95E728.PDF NOTI89F9DD47A9F3FA440E94C254135F95E728.pdf > RBI/2017-18/89 > DBR.No.Leg.BC.96/09.07.005/2017-18 November 9, 2017 All Scheduled Commercial > Banks (including RRBs) All Small Finance Banks and Payments Banks Dear Sir/ > Madam Statement on Developmental and Regulatory Policies - October 4, 2017- > Banking Facility for Senior Citizens and Differently abled Persons Please > refer to Paragraph 8 of Statement on Developmental and Regulatory Policies, > released by Reserve Bank of India on October 4, 2017 as part of Fourth > Bi-monthly Monetary Policy Statement 2017-18, a copy of which is enclosed. It > has been observed that there are occasions when banks discourage or turn away > senior citizens and differently abled persons from availing banking > facilities in branches. Notwithstanding the need to push digital transactions > and use of ATMs, it is imperative to be sensitive to the requirements of > senior citizens and differently abled persons. > 2. In view of the above, banks are required to put in place appropriate > mechanism with the following specific provisions for meeting the needs of > such customers so that they are able to avail of the bank's services without > difficulty. > (a) Dedicated Counters/Preference to Senior Citizens, Differently abled > persons Banks are advised to provide a clearly identifiable dedicated counter > or a counter which provides priority to senior citizens and people who are > differently abled including visually impaired persons. > (b) Ease of submitting Life Certificate As per extant guidelines issued by > Department of Government and Bank Accounts, in addition to the facility of > Digital Life Certificate under "Jeevan Praman" Scheme (refer circular > DGBA.GAD.H-2529/45.01.001/2014-15 dated December 9, 2014), pensioners can > submit physical Life Certificate form at any branch of the pension paying > bank. However, it is observed that often the same is not updated promptly by > the receiving branch in the Core Banking Solution (CBS) system of the bank, > resulting in avoidable hardship to the pensioners. It is, therefore, advised > that banks shall ensure that when a Life Certificate is submitted in any > branch, including a non- home branch, of the pension paying bank, the same is > updated/ uploaded promptly in CBS by the receiving branch itself, to avoid > any delay in credit of pension. > (c) Cheque Book Facility > (i) Banks shall issue cheque books to customers, whenever a request is > received, through a requisition slip which is part of the cheque book issued > earlier. > > (ii) Banks are advised to provide minimum 25 cheque leaves every year, if > requested, in savings bank account, free of charge. > (iii) Banks shall not insist on physical presence of any customer including > senior citizens and differently abled persons for getting cheque books. > (iv) Banks may also issue cheque books, on requisition, by any other mode as > per bank's laid down policy. > It is further clarified that providing such facility in BSBDA will not > render the account to be classified as non-BSBDA (c.f. Bank's response > to query number 14 and 24 of our circular " DBOD.No. Leg. > BC.52/09.07.005/2013-14 dated September > > 11, 2013 > on Financial Inclusion - Access to Banking Services - BSBDA - FAQs"). > (d) Automatic conversion of status of accounts Presently, in some banks, even > fully KYC - compliant accounts are not automatically converted into 'Senior > Citizen Accounts' on the basis of date of birth maintained in the bank's > records. Banks are advised that a fully KYC compliant account should > automatically be converted into a 'Senior Citizen Account' > based on the date of birth available in bank's records. > (e) Additional Facilities to visually impaired customers Banks are > advised that the facilities provided to sick/old/incapacitated persons > vide Paragraph 9 of our Master Circular > DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer > Service in Banks (regarding operations of accounts through > identification of thumb/toe impression/mark by two independent > witnesses and authorising a person who would withdraw the amount on > behalf of such > customers) shall also be extended to the visually impaired customers. > (f) Ease of filing Form 15G/H > Banks are advised to provide senior citizens and differently abled persons > Form 15G/H once in a year (preferably in April) to enable them to submit the > same, where applicable, within the stipulated time. > (g) Door Step Banking > We have issued instructions on Doorstep Banking vide circular > > DBOD.No.BL.BC.59/22.01.010/2006-2007 dated February 21, 2007 under > Section > 23 of Banking Regulation Act, 1949. However, in view of the difficulties > faced by senior citizens of more than 70 years of age and differently abled > or infirm persons (having medically certified chronic illness or disability) > including those who are visually impaired, banks are advised to make > concerted effort to provide basic banking facilities, such as pick up of cash > and instruments against receipt, delivery of cash against withdrawal from > account, delivery of demand drafts, submission of Know Your Customer (KYC) > documents and Life certificate at the premises/ residence of such customers. > 3. Banks are advised to implement these instructions by December 31, 2017 in > letter and spirit and give due publicity in their bank branches and website. > > Yours faithfully > (Saurav Sinha) > Chief General Manager > Statement on Developmental and Regulatory Policies, Reserve Bank of India > issued by the Governor on October 4, 2017 8. Banking Facility for Senior > Citizens and Differently abled Persons It has been reported that banks are > discouraging or turning away senior citizens and differently abled persons > from availing banking facilities in branches. > Notwithstanding the need to push digital transactions and use of ATMs, it is > imperative to be sensitive to the requirements of senior citizens and > differently abled persons. It has been decided to instruct banks to put in > place explicit mechanisms for meeting the needs of such persons so that they > do not feel marginalised. Ombudsmen will also be advised to pay heed to > complaints in this context. Necessary instructions in this regard will be > issued by end-October 2017. > ________________________________ > > Caution: The Reserve Bank of India never sends mails, SMSs or makes calls > asking for personal information such as your bank account details, passwords, > etc. It never keeps or offers funds to anyone. 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