ORDER

1. The Appellant filed an RTI application dated 21.04.2022 seeking information on the following points:

(i) Did IDBI Bank have one – time settlement scheme and for MSME in particular?

(ii) Applicability of OTS Scheme a ) SMA A/c – Yes / No b ) NPA asset – Yes / No c ) Doubtful asset – Yes / No d ) Loss asset – Yes / No (iii) If yes to (1) above, please provide a copy supporting document.

(iv) Please also provide a copy of RBI guideline/regulation stipulating additional provisioning by the bank in the case of OTS.

2. The CPIO replied vide letter dated 09.05.2022 and the same is reproduced as under :-

(i) Yes (ii) Applicability of OTS Scheme a ) Yes b ) Yes c ) Yes d ) Yes (iii) Internal policies/ circulars/ information are issued by the bank for internal use.

Hence document sought is in the nature of commercial confidence, the disclosure of which is exempted u/s 8(1)(d) of RTI Act. Further, there is no larger foreseeable public interest that warrants disclosure of such information under the RTI Act. Hence, we regret our inability to provide you the information.

(iv) Bank is following the provisioning norms as per the RBI guidelines prescribed