The definition of 'information' under the RTI Act excludes justifications for actions, and personal information is exempt from disclosure unless larger public interest is demonstrated.

ORDER

1. The Appellant filed an RTI application dated 14.11.2023 seeking information on the following points:

 Original Sanction Limit:

 Date of Cancellation Of Sanction Limit and Reason  Date: Interest Amount Rs. 27,272/ being Serviced and for the Period  Date : Captioned Staff O/D Account converted to NPA  Please refer the attached copy of Grant Road Branch Certificate dt :03/08/2023  Detail Information of the Technical fault of Finacle  Date: The Branch has confirmed the Mistake as a Technical fault of Finacle  Date: Grant Road Branch has sent the Rectification Proposal to the Zonal Office, C&IC Dept, Name of the authority for Approval /Recommendation.

 Date of Sanctioned Proposal for Rectification from C&IC Dept MSZ …, etc./ other related information

2. Having not received any response from the CPIO, the Appellant filed a First Appeal dated 21.12.2023.

3. The CPIO replied vide letter dated 27.12.2023 and the same is reproduced as under:-

1. You may please also note that Bank of India had undergone the software upgradation in Jan, 2022 for providing better services to its customers after issuing public notices. In some cases, the technical upgradation has caused inconvenience to Bank's customers which was subsequently rectified by the Bank.

2. Upon perusal of your RTI application, it is observed that you have sought information with respect to your Staff OD Account bearing number ***********0195 which has already been closed by Branch upon your instruction on 03.08.2023. You may please note that as per Bank's Policy Guidelines, Bank has already devised mechanism to meet customer's enquiries relating to records pertaining to customer's own account. As such RTI Act is not applicable in view of order dated 13.04.2017 delivered by the Madurai Bench of the Madras HC in the matter of S. Robinson versus Tamil Nadu State Information Commissioner and the Hon'ble Supreme Court decision dated 04.03.2020 in the matter of Chief Information Commissioner Vs High Court of Gujarat. As such, one may approach the Branch as a customer for obtaining information related to his/her account as per Bank's policy.

3. Without prejudice to the above, as per information received from the Branch we inform you the following:

a) Date of surrender of OD limit was 30.04.2016, however the account has kept active.

b) Date of closure of the OD account - 03.08.2023

c) Date of interest charged in OD account - 29.01.2022

d) Date of classification of the account as NPA - 05.03.2022

e) Please Provide the List of all accounts with the name Under the Same Cust ID of the captioned O/D Account that became NPA

4. Further, you have sought reason behind cancellation of sanction limit and cause for delay in rectification of the technical fault of Finacle. Further, Section 2 (f) of the RTI Act defines 'Information'. Further, kindly note that under RTI Act, the public authority is expected to provide only the available information that are not exempted u/s 8 (1) of RTI Act and not required to give opinion or answer any queries or investigate the matter that are raised in the RTI Application.

5. You have also sought information with respect to name of the approving/recommending for the rectification proposal sent by the Branch to the Zonal Office or the dealing officer of the Branch. You may please note that the name of the approving/recommending authority, Chief Manager etc. are internal communication of the Bank and disclosure of the same does not serve any public purpose and has no relation with any public activity. The transfer and present place of posting of any officer sought by you is als