Friday, August 28, 2015








DECLARATIONS OF HEAD OF THE STATE FOR RENDERING HELP / ASSIST TO DISABLED PERSONS – VIRCUALLY RULED OUT BY…. [BOTH SBI & RBI DO NOT WANT TO HELP/ASSIST PWDS BLAMING EACH OTHER]

PLACED BEFORE:  P.MUKHERJEE, PRESIDENT OF INDIA &

                                    NARENDRA MODI, PRIME MINISTER OF INDIA


IT IS TO STATE THAT ON THE EVE OF EVERY INTERNATIONAL DAY FOR DISABLED PERSON 3RD DEC YOU HAD EXPRESSED YOUR DEEP CONCERN FOR DISABLED PERSONS AND ASSURED HELP / ASSISTANCE BY GOVT / SEMI GOVT ORGANIZATIONS. BUT IT IS A PAINFUL EXPERIENCE THAT NONE OF THE GOVT. OR SEMI GOVT CONCERN ARE WILLING TO RENDER HELP OR ALLOW CONCESSION TO PWDS INSPIRE OF GOVERNMENTS DECLARED SYMPATHETIC ATTITUDE TOWARDS DISABLED PERSONS. IN CLEAR TERMS IT CAN BE SAID THAT ALL THIS ORGANIZATIONS STRAIGHT WAY DARE TO DISREGARD ASSURANCE, DECLARATIONS MADE BY THE HIGHEST AUTHORITY OF THE GOVERNMENT. EVEN IT IS NOTICED THAT THE SECRETARY DDA OF SJE MINISTRY WHO HAS BEEN POSTED TO TAKE CARE OF PERSONS WITH DISABILITY [PWD] IS UNABLE TO PROVIDE ANY ASSISTANCE TO PWDS. INITIALLY IT WAS NOTICED THAT SECY. DDA PERSONALLY TOOK INTEREST TO FINALIZE SOME LONG OUTSTANDING CASES BUT FAILED TO DO ANYTHING DUE TO EXTREME NON COOPERATION BY THE COUNTERPARTS.

FOR BETTER APPRECIATION SOME SPECIFIC CASES ARE BROUGHT TO YOUR KIND NOTICE WITH SUFFICIENT DOCUMENTS, CORRESPONDENCES BETWEEN THE PARTIES, & OTHER RELEVANT DOCUMENTS TO EXAMINE AND DO NEED FUL SO THAT TO PROVE THAT YOUR DIRECTIVE TOWARDS PERSONS WITH DISABILITY. IN CASE OF ANY DOUBT PLEASE CALL FOR PAPERS QUOTING YOUR NAME, DESIGNATION & OFFICE PARTICULARS ETC FOR NECESSARY ACTION.

AMONG ST SEVERAL CASES ONLY ONE CASE IS PLACED AT THE POST SO AS TO ISOLATE EACH CASE FROM OTHER:-

CHINMAY KAR, 29.8.2015, chinmaykar@yahoo.co.in

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Friday, August 14, 2015


SBI & RBI  Drama continues – help to aged handicapped persons… sweeping reply from RBI

                    






 
[Attachment(s) from Chinmay Kar included below]

Received from Binapanidevi member fb & hra circulation copy to its all members at globe.
SUB: SBI & RBI Drama continues – help to aged handicapped persons… 
Remarks recorded by “Consumer Education and Protection Department, CO, of RBI” {Name & Designation of signatory not mentioned as such cannot be understood the capacity & identity of the person replied} may please be seen along with the entire correspondences made between SBI & RBI higher officials in connection with help/assistance to old aged extreme disabled persons for ready appreciation. It appears that the experts of “Consumer Education…..” did not gone through all the copies of letters exchanged between the parties  i.e SBI, RBI & undersigned are always available/embodied at all letters issued by Chinmay Kar. As regards para 1 of “Consumer Education – dated 12.08.2015” it is to state that SBI & RBI remained silent about rendering help/assistance to aged disabled persons rather avoided by saying they have no scheme for disabled persons where as suddenly this “Consumer Education…..” came up with sweeping reply of disposal Please indicate a reference letter from RBI duly indicating name & designation of issuing authority [as have been done at all earlier letters] in confirmation to the statement made & claimed now for verification.

As regard pars 2 it is to state that what has been brought out is simply repetition of materials brought out vide CGM/SBI’ letter dated 29.8.2013 (Suitably replied to vide mail dated 15.09.2013) not connected with the issues mentioned to Governor RBI. As such, sorry, this para & 1 not accepted as a reply/clarification.

In view of what has been brought out at above it is clear that RBI so long remained silent even after issue of reminder letter to RBI Governor Mr. Raghu Raman on 06.02.2014 followed by regular reminders just suddenly came out with a sweeping letter with some clarifications not referred to in any way.

The subject issue was placed before most aged retired senior citizens having vast experiences in dealing with administrative business of the government concern, for their opinion on the entire issue. These elderly persons of the society expressed doubt that the instant reply / note has not been prepared by an administrative officer as an administrative officer of a Govt. concern will never write blindly or not related with subject issue. Letter issued in the name of an office cannot be taken as an authentic unless name and designation are clearly indicated. All references mentioned are available at letter itself for examination, verification etc. Thanking you all.
 Chinmay Kar चिनमय क़र
 15th August'2015

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----- Forwarded Message -----
From: Binapani Devi <binapanidevi44@yahoo.in>
To: Chinmay Kar <chinmaykar@yahoo.co.in>
Sent: Thursday, 13 August 2015 9:09 AM
Subject: Fw: [humanrightsactivist] Both SBI & RBI started drama of de-shouldering / avoiding responsibility on each other in respect of PWD persons

Copy to chinmaykar@yahoo.co.in for inf & further action.
Binapanidevi 13.8.2015

----- Forwarded Message -----
From: "CEPD, CO" <cepdco@rbi.org.in>
To: "binapanidevi44@yahoo.in" <binapanidevi44@yahoo.in>
Sent: Wednesday, 12 August 2015 4:58 PM
Subject: FW: [humanrightsactivist] Both SBI & RBI started drama of de-shouldering / avoiding responsibility on each other in respect of PWD persons

Madam/Dear Sir,
Please refer to your trail mail. We advise that the request from the complainant about the loan at concessional rate of interest was examined by SBI and the complainant was suitably advised with the reasons behind their inability to acceding to his/her request.
It is further advised that Interest rates on advances have been progressively deregulated by Reserve Bank of India with effect from October 18, 1994 and banks are therefore free to determine the lending rates on the advances as per their Board approved policy. RBI never interferes with that.
 
 
Regards
 
Consumer Education and Protection Department, CO,
Reserve Bank of India
1st Floor, Amar Building,
Fort, Mumbai
 
Please do not reply on this e-mail id. If you wish / need to respond to this e-mail or communicate with this Office any further on this matter or any other issue, you are requested to send all such e-mails to the corporate e-mail id of Consumer Education and Protection Department, Central Office of Reserve Bank of India viz; cgmcepd@rbi.org.in
 
 
 
From: Binapani Devi [mailto:binapanidevi44@yahoo.in]
Sent: Wednesday, August 12, 2015 9:08 AM
To: FM / India; Bhattacharya, Arundhati; CGM CEPD; "presidentofindia@rb.nic.in" ;; “Jitendra Singh”
Cc: CGM CEPD; "fm@finance.nic.in"; Humanrightsactivist; ttedit@abpmail.com; letters@thehindu.co.in
Subject: Fw: [humanrightsactivist] Both SBI & RBI started drama of de-shouldering / avoiding responsibility on each other in respect of PWD persons
 
Remarks on copy forwarded by HRA placed below:
 
It should not be expected that other than SBI & RBI all others are simply fools. Drama not necessary at all rather say clearly "WE SBI & RBI NOT GOING TO CONSIDER ANY REQUEST OF SENIOR CITIZEN DISABLED IN ANY WAY LET WHAT EVER VALID AND SOUND REASONS EXIST FOR OADS" .
Binapanidevi,member fb, 12.8.2015
 
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----- Forwarded Message -----From: "Chinmay Kar chinmaykar@yahoo.co.in [humanrightsactivist]" <humanrightsactivist@yahoogroups.com>
To: “A.Bhattacharya” <chairman@sbi.co.in>; “Dr.R.Rajan” <cgmcsd@rbi.org.in>; FM / India <fm@finance.nic.in>; "presidentofindia@rb.nic.in" <presidentofindia@rb.nic.in>; “Jitendra Singh” <cabinetsy@nic.in>
Cc: Humanrightsactivist <humanrightsactivist@yahoogroups.com>; "cgmcsd@rbi.org.in" <cgmcsd@rbi.org.in>; "chairman@sbi.co.in" <chairman@sbi.co.in>; "fm@finance.nic.in" <fm@finance.nic.in>
Sent: Thursday, 6 August 2015 8:30 PM
Subject: [humanrightsactivist] Both SBI & RBI started drama of de-shouldering / avoiding responsibility on each other in respect of PWD persons
 
 
Description: Image removed by sender.Description: Image removed by sender.
Disabler's Desk - I am a Retd.  Sr. Citizen (70+yrs), CVA, Hemaparasis Disabled (60%), right side of body fully paralyzed, cannot move out side with out an escort but can only operate computer / internet with unusual left hand to communicate rest part of world especially in connection with social welfare works for betterment to old age disability and disabled persons Received 17 Railway Awards during later part services at Metro Railway-Kolkata - Chinmay Kar 
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT MOVE OUT SIDE W/O ESCORT & fully dependent on e-governance system]
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Differential Treatment to an “Old Aged extreme Disabled Person” by Charging Highest rate of interest @ 14.75% on Pension loan where as interest @ 8-9%  being charged for Car purchase & H.B loans by SBI........ SBI was requested to consider conses ion/relaxation to the loan granted to Central Govt old aged extreme pensioner reducing rate of interest @ 9/10%. SBI very boldly declared that they do not have any plan for PWD persons unless RBI permits them. RBI says this is a question to be settled by Bank authority itself. Both SBI & RBI started drama of de-shouldering / avoiding responsibility on each other in respect of PWD persons
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Conses ions, Relaxations to aged PWDs - SBI & RBI deshoulder responsibility on each other !!! ???

To “Dr.Rajan Governor. RBI”shailja.joshi@nic.inHR-Yahoo
 
Today at 10:17 AM
Description: Image removed by sender.Description: Image removed by sender.
 
Disabler's Desk - I am a Retd.  Sr. Citizen (69+yrs), Hemaparasis Disabled (60%), right side of body fully paralyzed, cannot move out side with out an escort but can only operate computer / internet with unusual left hand to communicate rest part of world especially in connection with social welfare works for betterment to old age disability and disabled persons Received 17 Railway Awards during later part services at Metro Railway-Kolkata - Chinmay Kar 
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT MOVE OUT SIDE W/O ESCORT & fully dependent on e-governance system]
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To
Dr. Raghuram Rajan
Governor, RBI
Reserve Bank of India
Central Office Building
18th Floor, Shahid Bhagat Singh Road
Mumbai-400 001. Since no mail ID is available of Gov. RBI, through:-
[cgmcsd@rbi.org.incgmcsd@rbi.org.in
> ]

Copy to all concerned referred earlier: - POI, PM, FM, Jsda-Dfs / FM  etc

Respected Mahoday,
Sub: Differential Treatment to an “Old Aged extreme Disabled Person” by
        Charging Highest rate of interest
@ 14.75% on Pension loan where as
        8interest
@ 8-9%  being charged for Car purchase & H.B loans by SBI......... 
Ref: 1.My mail dated 27-01.2014
        2. Replied by Department of Communication / RBI (without indicating Name or   
            Designation dated 27-01-2014
        3. My reply dated 27-01-2013(14) in reference to letter referred to item 2 above.
            [Copy of all letters referred in this letter are placed at attachments for perusal]  
Kindly refer to letter dated 17-09-2013, 26-12-2013, and 20-01-2014 in connection with subject issue brought to your kind notice for a clear views of Reserve Bank of India with regard to para 2 (b) observation of Chief General Manager / CSD / SBI / Mumbai’ s letter no. PB / PL / 177B / 118 dated 29.08.2013. In view of clear cut refusal by nodal authority of SBI to consider a case of Old Aged extreme Disabled person in absence of mandatory instruction from RBI you are requested to kindly see once again CGM / SBI’s letter dated 29.08.2013 at attachment & do needful action at your earliest. [Copy of all letters referred in this letter are placed at attachments for perusal]   
Letter issued by Department of communication / RBI dated 27-01-2014 do not indicate that the same is issued with your approval as the request was made to you, name and designation of the issuing authority. It is however not understood although several reminders issued from time to time since 17-09-2013, request of an over aged (ornament ally crowned as Sr.Citizen of the country), cerebral paralyzed disabled as detailed at above is completely neglected by an authority like Reserve Bank of India. Hope you will kindly do needful at the earliest. Thanking you, Namaskaram,
Please see all attachments
Chinmay Kar, 6th February’2014
Description: Image removed by sender.Description: Image removed by sender.Description: Image removed by sender.Description: Image removed by sender.
 
Due to extreme disability reasons E- governance correspondence solicited]
[Available on Skype, gtalk & Webcom]
kyinu1955@ gmail.com
Visit respective Web site for more details:  
Human Right Activist- Yahoo Group, Active Member Disability International Friendship Forum, Humanist Party of India , DAND, NCHRO, ADR. Member all leading Disabled forum around the world, Member Disabled group- Facebook, Twitter, MySpace, Linkedin, Orckut etc etc & Ex. President (for a decade up to 21.02.03 - become hemaparasis disabled) of Siddeswari Kali Mandir & Seva Sangha, Gandhipalli, Bongaon, North-24 Parganas,West Bengal, India. 
à For all correspondences please use Kolkata address
Kolkata address on medical consideration: 3, Panchanantola Road (G.Floor), Paschimputiary, Kolkata – 700041
Paschinmara, Bongaon, North 24 Parganas,  Pin: 743235 , India.{Permanent Residence) 
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Copy to:- PM /India (Thro: V.Narayan, MOS to PMO) (shailja.joshi@nic.in ) For kind information and necessary action. Kindly refer to concluding para of her letter no. 13011 / 9 / 2013- POI- Misc (Vol II) Dated 27.12.2013 – the instant item is included as outstanding issue related to SBI .
  • SBI LETTER 29.08.13
.doc
  • Gov RBI
.doc
  • Gov RBI 2
.doc
  • Escort Certificates
.doc
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
  • COPY OF SBI LETTER DATED 29-08-2013 FROM  CGM (PB) MUMBAI
STATE BANK OF INDIA
Personal Loans Dept, Personal Banking Business Unit, National Banking Group, Corporate Centre, 13th Floor, State Bank Bhavan, Madam Cama Road, Nariman Point, Mumbai- 400 021. E-mail: dgm.pbpl@sbi.co.in
=============================================
Sri Chinmay Kar
Paschimpara, Bongaon,
North 24 Parganas,
West Bengal
PB / PL / 177B / 118                                      Date: 29.08.2013
Dear Sir,
COMPLAINT
PENSION LOAN: LOWERING OF INTEREST RATE
We are in receipt of your e-mail dated 22.05.2013, requesting for reduction of interest rate on your Pension Loan account at our Tollygunge New Theatre’s Studio Branch (05680), West Bengal.
2.     We have examined the same and have to advise as under:
(a)    The rate of interest in an account is linked to the Bank’s Base Rate and is increased / decreased whenever there is a revision in Base Rate.
(b)    The Reserve Bank of India (RBI) has not mandated any concessional rate on loans to pensioners / physically handicapped persons. Further, RBI guidelines on the subject, stipulate, inter-alia that the interest rate charged by the Bank should incorporate risk premium and in considering the question of risk, the presence or absence of security and the value there of should be taken into account. As you are aware, Pension Loans are clean advances with NIL security.
(c)    Reducing the rate of interest based on the request of a borrower on a standalone basis is not feasible as it is discriminatory and may result in a spate of similar requests / complaints from all over the country.
3.     We, therefore, regret our inability to accede to your request for lowering of interest rate on your Pension loan.
4.     The Bank will be glad to offer all its Banking services to you in future as well in accordance with the extant criteria and norms.
Yours faithfully,
Sd/-
Chief General Manager
(Personal Banking)
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To
The Chief General Manager
(Personal Banking)
State Bank of India, Mumbai-21.
Circulation copy to all referred earlier:-
Sub: Reducing highest interest element for loan to Retd. Disabled Person
Ref: Interim reply to your letter No. PB / PL / 177B / 118 dated 29.08.2013
        (Received by undersigned on 14.09.2013)
Priyo Mahoday,
Thank you very much for your letter quoted above. It is presumed that the letter has got the approval of the authority to whom letter dated 22.05.2013 was addressed as instant issue is a policy decision of the bank related to concession / relaxation / exemption s etc to be provided to Persons with Disability & Old Aged Persons with Disability in terms of Government of India’s declarations made by POI & PM / India from time to time. I have no problem / complain in connection with Pension loan sanctioned to me except that some quarry was made with regard to minor departure of system prevailing but no answer received from dgm.customer@sbi.co.in , latest reminder in this respect issued on 7th Aug’2013. I strongly object inclusion of subject as “COMPLAINT” at your letter quoted above. Probably you are not aware that SBI’s comments recorded on “Rastrapati Bhaban Secretariat Portal” as follows” “PRSEC/E/2012/06124  Name:Shri chinmay kar Date of Receipt:26 Apr 2012 Current Status:Case disposed of Date of Action:15 May 2012Details: The complainant obtained the pension loan as per the then prevalent norms of the loan.  As per the agreement and arrangement leeter, duly executed by Sri Kar, the interest is being chaged as per the laid down stipulations of those documents.  Bank has no scheme for disabled Sr. Citizens' Pension Loan.  The said complaint is more in the nature of a representation rathen than a complaint for moderate interest between 8 to 9% after reducing it from the agreed rate”   
Your expression against para’B’ is contradictory to CGMCSD / RBI’S letter dated 1st Feb’2013 to the undersigned. Question of ‘risk element etc’ does not arise for a pension loan as the entire pension element remains under custody of executive banker and in the event pensioner expired a declaration deed obtained from pensioner’s wife to the effect that “in the event of pensioner’s death EMI may be deducted from her F/ Pension”. Hence it is presumed that with an intention to increase volume of letter the same has been included. However a consolidated reply to your letter dated 29.09.2013 will be sent as soon as comments / opinion are received from entire expert well wishers to Person with Disability and concerned Government authority. In any case the letter dated 22.05.2013 will stand good. It is noted that you have very intelligently deshouldered responsibility with regard to Physically Handicapped persons to Reserve Bank authority and did not offer any remarks on “Differential Treatment made to Old Aged Disabled Person” pointed out to you vide letter dated 18.08.2013 & 06.09.2013 which clearly violets provision made under Declaration on the Rights of Disabled Persons Proclaimed by General Assembly resolution 3447 (XXX) of 9 December 1975, signed by India as a member nation, especially matters pertaining to Differential Treatment to a PERSON WITH DISABILITY.
Assurances recorded under para 4 of your letter is general in nature and since SBI have BOLDLY declared that they do not have any scheme for Sr.Citizen Persons with Disability (as RBI did not issued any instruction in this regard) it is not understood how this assurances will help an extreme disabled poor person like undersigned. However I will be glad if the “Dear Friends PWD” at annexure is widely circulated at all SBI offices
However we may expect that the issue may be settled with in a month so that a befitting article / report be sent to world forum for PWDs during ensuing “INTERNATIONAL DAY FOR DISABILITY – 3rd December’ 2013”. for useful wide discussions.
Hope this will find you in a good sprit and excellent healthy mood. However thank you once more.  Namaskaram,
Please see Annexure.
Chinmay Kar, 15th Septr’2013
Due to extreme disability reasons E- governance correspondence solicited][Available on Skype, gtalk & Webcom]
kyinu1955@ gmail.com
Visit respective Web site for more details:  
Human Right Activist- Yahoo Group, Active Member Disability International Friendship Forum, Humanist Party of India , DAND, NCHRO, ADR. Member all leading Disabled forum around the world, Member Disabled group- Facebook, Twitter, MySpace, Linkedin, Orckut etc etc & Ex. President (for a decade up to 21.02.03 - become hemaparasis disabled) of Siddeswari Kali Mandir & Seva Sangha, Gandhipalli, Bongaon, North-24 Parganas,West Bengal, India. 
  For all correspondences please use this address
 [Paschinmara, Bongaon, North 24 Parganas, Pin-743235, West Bengal, India.{Permanent Residence)] [FOR CORRESPONDENCE PURPOSE till further notice]
{Ty.residence at Kolkata on medical consideration will be notified for correspondence as and when I stay at Kolkata for medical reasons at 3, Panchanantala Road, G.Floor, Paschimputiary, Kolkata-700041}
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 Chinmay Kar चिनमय क़र
 6th August'2015
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Attachment(s) from Chinmay Kar | View attachments on the web
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