RBI should increase out of order [overdue] period to 180 days instead of 90 days for all loans upto Rs.50.00 lakhs, before account is declared NPA. This rule should also be made applicable to existing loan accounts which are declared NPA due to 90 day condition.Small borrowers face maximum problem due to slow down and systematic delays in getting payments. Banks normally are not sympathetic towards small borrowers unless they are well "connected" or are willing to keep bank officers "happy". They chase such small defaulters instead of big defaulters. This ends in closure of MSMEs and attention of industrialists is diverted to please banks rather than make more efforts for his business.
Thursday, April 21, 2016
Saturday, April 09, 2016
HARYANA RTI RULES AMENDED ON 18-03-2016 -FEES REDUCED
HARYANA
RIGHT TO INFORMATION RULES 2009 AMEDNDED 2016
[2005 rules replaced by 2009 on 21-12-2009 effective
from 01-01-2010]
[Again amended on 18-03-2016 –filing fee reduced to
Rs.10/-, CD Rs.50 and inspection first hour free and thereafter Rs.5/- per hour
or part thereof beyond first hour]
1. APPLICATION:
The rules provide for a format for application under
RTI Act called Form-A, which is annexed herewith.
2. FEES:
A. Application fee: Rs.10/- to be paid
by bank’s demand draft or pay order or Indian Postal Order [IPO] or in cash
against receipt or through treasury
challan. Applicants holding BPL certificate need not pay any application fee.
Payment by IPO should be preferred being
cheap and convenient. IPO should be in favour of “Accounts Officer, [mention
name of public authority i.e. govt dept/organization etc]” and should be made payable
at the place where application is sent.
B. Other charges: Information in A-3 or
A-4 size paper….Rs.2/- per page, Large size: actual cost, publications: actual
cost. CD Rs.50/- per CD. Inspection: Free
for first hour and if exceeds one hour Rs.5/- for each hour or part thereof
beyond first hour.
3. APPEALS:
Rules do not provide for formats for first appeal, second
appeal/complaint. No fees are charged for appeals.
Suggested formats for appeals/complaint are annexed
hereunder.
4. Address of State Information Commission, Haryana:
State Information Commission, Haryana,
SCO No. 70-71, Sector 8-C, Chandigarh.
Telephone No. 0172-2726568, Fax No. 0172-2783834
Website: http://cicharyana.gov.in/
7. HARYANA State Format for RTI Application:
The Right to Information Act, 2005
Form A [See rule 3 (1)]
To
The State Public Information Officer/
State Assistant Public Information
Officer,
(Name of the office with address)
1. Full name of the applicant:
2. Address:
3. Particulars of information required:-
(i) Subject matter of information*
(ii) The period to which the information
relates**
(iii) Description of the information
required***
(iv) Whether information is required by
post or in person
(the actual postal charges shall be
included in addition to the fees.)
(v) In case by post (Ordinary, Registered
or Speed)
4. IPO No. ____________for Rs.10/- is
enclosed.
Place:
Date:
Signature of the Applicant
* Broad category of the subject to be
indicated (such as Grant/Government land/ Service matters/Licenses etc.)
** Relevant period for which information
is required to be indicated.
*** Specific details of the information
are required to be indicated.
ACKNOWLEDGEMENT
Received your application dated
_______________ ,-- vide Diary No.______________ dated _____________ .
(Signature)
State Public Information Officer/ State
Assistant Public Information Officer, Name of the Department/Office
_____________________________________________________
8. HARYANA State Format for First Appeal:
The Right to
Information Act, 2005
First
Appeal
Date:______________
To
The Appellate Authority By
regd AD post
(Department/office)………………
Sir,
As
I have not received any decision/As I am aggrieved by the decision of the
Public Information Officer…………, I hereby file this appeal. The particulars of
my application are as under:
- Name of
the appellant :
- Address
of appellant :
- (A) Designation of the State Public
Information Officer :
Address of State Public Information Officer:
(B) Department/office
and address :
(C) Particulars of the decision against which
the
appeal is preferred including the No. &
Date of such decision.
- Date of
application submitted in the Form A
:
- Details
of Information sought: as per enclosed form A
6.
Reasons for Appeal:
7. Brief facts of the case.
8.
Prayer/relief’s sought for :
A] The information sought be ordered to be supplied
immediately by registered post at my address.
B] The information be now supplied to me free of cost.
C] CPIO be advised to permit inspection of record, as
requested by me. [if applicable]
D] I should be fully compensated for not supplying
information in prescribed time limit.
E] Disciplinary action be initiated for not complying
with the law against erring officers.
9. Enclosures: Self attested copies of RTI
application, reply of SPIO [if received], postal proof of mailing RTI
application.
I hereby state that the information and particulars
given above are true to the best of my knowledge and brief.
Place Signature
of Appellant
___________________________________________________
9. HARYANA State suggested format for second
appeal/complaint:
SEOND APPEAL/COMPLAINT
TO STATE INFORMATION COMMISSION, HARYANA
Date: By speed post AD
To,
State Chief Information Commissioner,
State Information Commission, Haryana,
SCO No. 70-71, Sector 8-C, Chandigarh.
Respected Sir,
As I
have not received any decision/As I am aggrieved by the decision of the PIO
& First Appellate Authority, I here by file this second appeal/complaint
for your kind consideration. The particulars are as under:
[1) Full
name of the Applicant :
[2] Address
of Applicant with
phone No.
and email ID if any :
(3) Name
and address of StatePublic Information Officer:
No.
and date of reply if received:
(4) Name
and address of the First Appellate
Authority:
No. and date of reply if received:
[5] Date
of receipt of order of first appellate authority :
(6) Particulars
of information sought- as per enclosed RTI application
(7) Brief
facts and grounds for appeal:
[8] PRAYER/Relief:
A] The information sought be ordered to be supplied
immediately by registered post at my address.
B] The information be now supplied to me free of cost.
C] CPIO be advised to permit inspection of record, as
requested by me. [if applicable]
D] Penalty as per RTI Act be imposed on PIO.
E] I should be fully compensated for not supplying
information in prescribed time limit and breach of my right.
F] Disciplinary action be ordered to be initiated for
not complying with the law against PIO & FAA
G] Public Authority be ordered to reimburse traveling
and lodging-boarding expenses incurred by me for attending hearing.
H] Hon’ble Commission may order making an entry in
service book/annual appraisal report of the concerned PIO & FAA for defying
act of the parliament.
I] The hon’ble
Commission be pleased to pass such other orders as deemed fit in the interest
of justice and spirit of RTI.
(9) Enclosures: Self attested photo copies of
the following documents :
A. Application in form A
dated________ with its enclosures if any,
B. Reply dated
________of PIO if received, C. First Appeal dated ________D. Reply dated_______
to first appeal, if received, E. Postal proof of posting of
Form A and first appeal.
[10]. Verification: I
the undersigned hereby state that the information and particulars given
here-in-above are true to the best of my knowledge and belief.
Place : Signature of
Appellant/Complainant
[To be submitted in
three copies to the Commission]
Monday, April 04, 2016
FRIVOLOUS LITIGATION BY GOVTs AND PSUs
PSUs [ specially banks and insurance companies] and Central/State Govt.
departments try to harass and tire out common citizens, with huge money power and expertise at public cost at their disposal, by resorting to repeated
appeals up to divisional bench of apex court, without any accountability of officers to public.
I humbly quote following judgements of Hon’ble Supreme Court of India, against such frivolous litigation:
A] Judgement dated 04-09-2012 of in Civil
Appeal No. 6261 OF 2012-- Gurgaon Gramin
Bank Versus Smt. Khazani
B] Judgment dated 13-01-2014 in SLP
(C) No. 39434 of 2013- Haryana Dairy Dev
Coop Federation Ltd v/s Jagdish Lal.
C] Judgement dated 26-07-2010 in
civil appeal No. 5646 of 2010 -Union of India
Vs Pritilata Nanda
D] Judgement dated 01-07-2015 in
civil appeal No. 1123 of 2015 - State of Rajasthan
and Ors.V/s MahendraNath Sharma
E] Judgement dated 22-09-2014 in
civil appeal No. 9043 of 2014 -- Vijay Shankar
Pandey V/sUnion of India & Another
There is dire need to have a National Litigation Policy against such wasteful and anti-citizen actions of govt departments and undertakings. Such litigation choke judicial system by over burdening and there are chances of corruption by public servants while assigning work to advocates for such legal battle against common citizen in a democratic country. Usually it is ego-massaging of govt officers or politicians and show of power against helpless citizen.
I have been repeatedly chasing Ministry of Law and Justice for a National Litigation Policy in India. Attempts were made in 2010 by UPA Govt but did not materialise. Hopefully pro-citizen NDA/BJP Govt at Center will take positive steps at the earliest.
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