Right To Information Act

RIGHT TO INFORMATION ACT, 2005

Please refer to earlier Circular No.GB24/2006-2007 dated 29.06.2006, advising the detailed guide lines of RTI Act 2005, while reiterating that they are still hold good, it is necessitated to revise RTI Structure in our Bank in accordance with change in organizational structure. The Bank’s Board at its 68th meeting held on 22.12.2016 has reviewed and revised the RTI structure in our Bank. We herewith furnish essentials of Revised RTI Structure in our bank while furnishing basic guidelines of RTI Act 2005.

Objective of the Right to Information Act

The Government of India has enacted ‘the Right to Information Act 2005’ to provide for setting out the practical regime of right to information for citizens to secure access to information under the control of Public Authorities. The basic objective of the Right to Information Act is to empower the citizens, promote transparency and accountability in the working of the Public Authorities, contain corruption, and make our democracy work for the people in real sense.

What is Information

Information is any material in any form. It includes records, documents, memos, e-mails, opinions, advices, press releases, circulars, orders, logbooks, contracts, reports, papers, samples, models, data material held in any electronic form. It also includes information relating to any private body which can be accessed by the public authority under any law for the time being in force.

What is Right to Information

The right to information includes an access to the information which is held by or under the control of any public authority and includes the right to inspect the work, document, records, taking notes, extracts or certified copies of documents / records and certified samples of the materials and obtaining information which is also stored in electronic form.

Who can Seek information

Section 3 of the Right to Information Act provides as under: “Subject to the provisions of this Act, all citizens shall have the right to information.” - Normally, an applicant is not required to submit any proof of citizenship. However, if the CPIO has any doubt about the identity of the applicant he can

What is a Public Authority

A “public authority” is any authority or body or institution of self government established or constituted by or under the Constitution; or by any other law made by the Parliament or a State Legislature; or by notification issued or order made by the Central Government or a State Government. The bodies owned, controlled or substantially financed by the Central Government or a State Government and non-Government organizations substantially financed by the Central Government or a State Government also fall within the definition of public authority. State Bank of India is a Public Authority

What is a Public Authority

A “public authority” is any authority or body or institution of self government established or constituted by or under the Constitution; or by any other law made by the Parliament or a State Legislature; or by notification issued or order made by the Central Government or a State Government. The bodies owned, controlled or substantially financed by the Central Government or a State Government and non-Government organizations substantially financed by the Central Government or a State Government also fall within the definition of public authority. State Bank of India is a Public Authority.

Structure of RTI in the Bank

Central Assistant Public Information Officer (CAPIO)

The Bank has designated all Branch Managers (except Scale – IV &Scale-V branches) as Central Assistant Public Information Officer (CAPIO) in the Bank. In case of Scale – IV and above branches, the Chief Managers are designated as CPIOs and are directly responsible for furnishing information under RTI Act. The next senior most officer in Scale – IV /V branches is designated as CAPIO of their respective branches. The CAPIOs send the application or appeal to the Central Public Information Officer or the concerned Appellate authority for disposal. A Central Assistant Public Information Officer is not responsible for supply of the information.

Central Public Information Officer (CPIO)

Central Public Information Officers are responsible for giving information to a person who seeks information under the RTI Act. The Bank has designated all Regional Managers of respective regional office and for branches under their control as Central Public Information Officer (CPIO) in the Bank. Chief Managers of respective Scale-IV Branches and Chief Manager (Board) is designated as CPIO at Head office.

Appellate Authority (A A)

If an applicant is not supplied information within the prescribed time of thirty days or 48 hours, as the case may be, or is not satisfied with the information furnished to him, he may prefer an appeal to the First Appellate Authority. The Bank has designated GM ( Admin ) as Appellate Authority in Bank

DETAILS OF APPELLATE AUTHORITY / CPIOs / CAPIOs of TGB ARE PLACED AS

ANNEXURE.-I

List of Branches with addresses is furnished in Bank Website.

There is no prescribed format of application for seeking information. The application can be made on plain paper. The application should, however, have the name and complete postal address of the applicant. Even in cases where the information is sought electronically, the application should contain the name and postal address of the applicant. The application should be made in English or Hindi or in the official language of the area in which the application is being made, accompanied by the prescribed fee and specifying the particulars of the

Payment of RTI Fee & Cost of Information

The RTI fee and the cost of information, where applicable, is to be paid by Demand Draft or Bankers Cheque or IPO in the name of ‘TGB’ and payable at the centre where CPIO is located. Alternatively, applicant may deposit the prescribed fee in the ‘P & T Charges Recovered Account’ at any branch of the TGB and will attach counterfoil thereof in original with the application / request while forwarding it to the CPIO / CAPIO.

Prescribed fee and additional cost of information:

Application fees------------------------Rs.10/-

Additional fee - as cost of information

• Rupees two for each page (in A-4 or A-3 size paper) created or copied. b) Actual charge or cost price of a copy in large size paper
• Actual cost or price for samples or models
• Information provided in diskette or floppy rupees fifty per diskette or floppy
• Information provided in printed form at the price fixed for such publication or two rupees per page of photocopy for extracts from the publication.

What information can be sought

A citizen has a right to seek such information from a public authority which is held by the public authority or which is held under its control. This right includes inspection of work, documents and records; taking notes, extracts or certified copies of documents or records; and taking certified samples of material held by the public authority or held under the control of the public authority. It is important to note that only such information can be supplied under the Act which already exists and is held by the public authority or held under the control of the public authority. The Central Public Information Officer is not supposed to create information; or to interpret information; or to solve the problems raised by the applicants; or to furnish replies to hypothetical questions.

A citizen has a right to obtain information from a public authority in the form of diskettes, floppies, tapes, video cassettes or in any other electronic mode or through print-outs provided such information is already stored in a computer or in any other device from which the information may be e-mailed or transferred to diskettes etc

The information to the applicant should ordinarily be provided in the form in which it is sought. However, if the supply of information sought in a particular form would disproportionately divert the resources of the public authority or may cause harm to the safety or preservation of the records, supply of information in that form may be denied. In some cases, the applicants expect the Central Public Information Officer to give information in some particular proforma devised by them on the plea that they have a right to get information in the form in which it is sought. It need be noted that the provision in the Act simply means that if the information is sought in the form of photocopy, it shall be provided in the form of photocopy, or if it is sought in the form of a floppy, it shall be provided in that form subject to the conditions given in the Act. It does not mean that the CPIO shall re-shape the information. This is substantiated by the definition of the term ‘right to information’ as given in the Act, according to which, it includes right to obtaining information in the form of diskettes, floppies, tapes, video cassettes or in any other electronic mode or through print-outs provided such information is already stored in a computer or in any other device. Everywhere in the Act, the word ‘form’ has been used to represent this meaning.A citizen has a right to get ‘material’ from a public authority which is held by or under the control of that public authority. The Act, however, does not require the Public Information Officer to deduce some conclusion from the ‘material’ and supply the ‘conclusion’ so deduced to the applicant. It means that the Public Information Officer is required to supply the ‘material’ in the form as held by the public authority, but not to do research on behalf of the citizen to deduce anything from the material and then supply it to him.

Information which is exempt from Disclosure

The Act provides under Sections 8 and 9 certain categories of information that are exempt from disclosure to the citizens. The following categories of information are exempt from disclosure under Section 8(1)

• information, disclosure of which would prejudicially affect the sovereignty and integrity of India, the security, strategic, scientific or economic interests of the State, relation with foreign State or lead to incitement of an offence.
• information which has been expressly forbidden to be published by any court of law or tribunal or the disclosure of which may constitute contempt of court;
• information, the disclosure of which would cause a breach of privilege of Parliament or the State Legislature;
• information including commercial confidence, trade secrets or intellectual property, the disclosure of which would harm the competitive position of a third party, unless the competent authority is satisfied that larger public interest warrants the disclosure of such information;
• information available to a person in his fiduciary relationship, unless the competent authority is satisfied that the larger public interest warrants the disclosure of such information;
• information received in confidence from foreign Government;
• information, the disclosure of which would endanger the life or physical safety of any person or identify the source of information or assistance given in confidence for law enforcement or security purposes;
• information which would impede the process of investigation or apprehension or prosecution of offenders;
• cabinet papers including records of deliberations of the Council of Ministers, Secretaries and other officers;
• information which relates to personal information the disclosure of which has no relationship to any public activity or interest, or which would cause unwarranted invasion of the privacy of the individual;

Time Norms for disposal of Requests and Appeals

If a public authority fails to comply with the specified time limit, the information to the concerned applicant would have to be provided free of charge.

Appeals :

• The appeal should be disposed off within 30 days of receipt of the appeal.
• In exceptional cases, the Appellate Authority may take 45 days for its disposal for which reasons are recorded.

SUO MOTU DISCLOSURES : Click Here

Mandatory Disclosures – RTI Act 2005 under Section 4(1)(b)

(i) The particulars of its organization, functions and duties:

• a) Name and address : Telangana Grameena Bank,
  No 2-1-520, 2nd Floor,
  Vijaya Sri Sai Celestia,
  Street No.9,Nallakunta,
  Shankermutt Road,Hyderabad - 500044.
• b) Head of the organization
• c) Vision, Mission and Organizational structure
• d) Function and duties RRB Act , Organizational structure

The duties of the officers and employees are laid down by the Board of Directors and are also embodied in TGB (Officers and Employees) Service Regulations 2010 notified vide e-gazette No 261 (previously known as Deccan Grameena Bank service regulations) issued on 16.10.2010. Different powers have been delegated by the Board of Directors to the officers at various levels for smooth functioning. In order to exercise supervision and fix accountability / responsibility various control measures have been put in place.

(ii) The powers and duties of its officers and employees:

All the officers have certain financial powers and administrative powers depending upon their positions. The delegation of financial powers of various grades of officials is decided by the Central Board which is revised from time to time, depending upon the organization's requirement and also Government / RBI guidelines. The concerned sanctioning authority takes a decision to sanction a loan or otherwise on merits of each proposal.

(iii) the procedure followed in the decision making process, including channels of supervision and accountability:

There is a well defined system in the Bank regarding the decision making process. Financial decisions are taken at various levels by different officials depending upon their positions and also through committee approach. Asset Management Hubs have been formed at certain centers to ensure to meet the growing customer expectations in credit delivery mechanism. Branches will source the applications and forward them to the respective Hubs, for their consideration. Further, there is a well defined organizational structure and a clear system of accountability and control system, which also took into account the RBI / CVC guidelines.

(iv) The norms set by it for the discharge of its functions:

The Bank functions with the following core values / norms

• Excellence in customer service
• Profit orientation
• Fairness in all dealing and relation
• Risk taking and innovation
• Integrity
• Transparency and discipline in policies and systems

Regarding the core functions of the Bank i.e. accepting deposits and sanction of loans, the interest rates for deposits / advances and different deposit as well as loan products, are displayed in the Bank's website and also made available at all the Branches.

Regarding sanction of loans, each officer of the Bank will consider loan proposals and take a decision in terms of the scheme of delegation of powers, on the merits of the proposals. All the officers of the Bank are expected to discharge their duties and responsibilities with integrity and due diligence.

Public can also refer to the following captions in the Bank's website for any further information.

• Loan interest rates
• Deposit interest rates
• Code of Bank’s commitment to customers in Telugu
• Customer rights policy

They can also refer to the following captions of the Bank's website, for detailed information on related products.

• Loans – HL, Agri loans, Gold loans and other loans
• Deposits – SB , Current, BSBD, Term Deposit etc
• Digital Banking – Mobile Banking, UPI,VKYC – DISA etc
• Financial Inclusion – PMJDY, Social Security schemes etc

(v) The rules, regulations, instructions, manuals and records, held by it or under its control or used by its employees for discharging its functions:

There are quite a number of documents like manuals, standard operating procedures, circulars, schemes of delegation of powers, proceedings of the board etc. and also the periodical circulars used by the employees for discharging various functions.

(vi) A statement of the categories of documents that are held by it or under its control:

These are mainly record of the proceedings of the Board Meetings and various Committee meetings, documents executed by customers/ borrowers/ guarantors, Annual maintenance contracts between the Bank and various vendors, contracts with third parties etc, which are kept in the custody of concerned departments/branches

(vii) The particulars of any arrangement that exists for consultation with, or representation by, the members of the public in relation to the formulation of its policy or implementation thereof:

The Bank’s annual results / reports are published in the bank's website periodically for information of public as well as customers which would give an idea about the policies of the bank and implementation thereof. Further, various policies of the Bank viz. Code of Bank’s commitment to customers, Bank MSME policy, Deposit policy, Compensation policy, Cheque collection policy etc have been placed in the Bank’s website for easy access to all.

Public can also refer to the annual reports and customer rights in the Bank's website, for further information.

(viii) A statement of the boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards; councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public:

• NPA monitoring committee
• Risk Management Committee
• Special review committee
• Asset Liability Management committee
• Cash Management committee
• Audit Committee
• Purchase Committee
• Investment Committee

Public are not entitled to participate on the above committee meetings and minutes are not accessible to public.

(ix) A directory of its officers and employees:

Since the number of employees is quite large and they are subject to transfers, it is not possible for the Bank to publish the list of officers / employees and keep the same updated from time to time. Any person interested in seeking the information about any officer or employee of the Bank can approach the CAPIOs in that behalf.

All the Branch Managers heading the branches are designated as CAPIOs. The list of offices / branches is already available in the Bank’s website for reference by public.

Refer to “Branch locator” in the Bank's website for information regarding the nearest CAPIO.

(x) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations:

Monthly remuneration of officers and employees

(xi) The budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made:

There are no plans and budgets for expenditure of public money and disbursements and the provision is not applicable to TGB.

(xii) The manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes:

There are no subsidy programmes or plans for lending activities as a whole, except for targets for priority sector lending. There are different schemes for advances of the Bank and the terms and conditions are already available in the Bank's website.

(xiii) particulars of recipients of concessions, permits or authorisations granted by it:

There are no programmes in the Bank for grant of concessions/ permits/ authorization etc. and there is no material in the Bank relevant to this provision.

(xiv) Details in respect of the information, available to or held by it, reduced in an electronic form:

All the general information regarding deposits, advances and other services offered by the Bank are already available in the websites of the Bank – www.tgbhyd.in

Public may refer to our website regarding necessary information.

(xv) The particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use:

The details of toll free numbers have been displayed in our website for information of customers. Further all the Branch Managers of the Bank have been designated as CAPIOs of the Bank and public can approach their nearest branch for any information under RTI act during the business hours of the Bank. The official numbers of all the branches (district wise) can be accessed in the Bank’s web site under “branch locator” tool.

(xvi) The names, designations and other particulars of the Public Information Officers:

Public can refer to the Annexure –I provided under “RTI Act” in the home page of the Bank's website. The annexure contains details of all the CPIOs of the Bank at various regions and at the Head Office, details of the appellate authority with full address particulars.

(xvii) Such other information as may be prescribed:

Public can access the following information available for free in the Bank’s web site.

• Particulars of e-Auction related to sale of various immovable properties by the Bank pertinent to SARFAESI action.
• Unclaimed deposits information.
• Careers section for all the aspirants who wish to join the Bank.
• Tenders section which highlights various tenders floated by the Bank on subjects like premises requirement, Micro ATM supply, various interior work of the Bank etc.

Please bring the contents of the circular to the notice of all staff members working at the Branches/Administrative Offices.

ANNEXURE-I

I^st Appellate Authority

General Manager( Admin )
Head Office, H.No : 2-1-520, 2nd Floor, Vijaya Sri Sai Celestia
Street No.9, Shankermutt Road, Nallakunta
Hyderabad-500044.

II^nd Appellate Authority

Central Information Commission.