[AI] FW: Latest notification on additional banking services to disabled
All For information. Harish Kotian http://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI89F9DD47A9F3FA440E94C254135F95E728.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 c
[AI] FW: Latest notification on additional banking services to disabled
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 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
