के न्द्रीय सूचना आयोग Central Information Commission बाबा गंगनाथ मागग, मुननरका

Baba Gangnath Marg, Munirka नई निल्ली, New Delhi – 110067 Second Appeal No :CIC/RBIND/A/2024/112978 ANAND SHANKAR .….अपीलक (RBL BANK)

VERSUS बनाम The CPIO: Reserve Bank Of India, Mumbai, ….प्रनर्वािीगण /Respondent Date of Hearing : 07.01.2026 Date of Interim Decision : 07.01.2026 INFORMATION COMMISSIONER : Khushwant Singh Sethi Relevant facts emerging from appeal:

RTI application filed on : 09.02.2021 CPIO replied on : 12-10-2023 First appeal filed on : 10-11-2023 First Appellate Authority’s : 31-01-2024 order

2 nd Appeal/Complaint dated : 24.04.2024 Information sought:

1. The Appellant filed an RTI application dated 09.02.2021 seeking the following information:

“1. Copy of Internal Ombudsman decision submitted by the bank with regard to my Complaint 202021013011503 against RBI. Bank.

la. Copy of exemption or waiver granted to RBL Bank from internal Ombudsman scheme.

2. Number of complaints received against RBL. Banks wrongful recovery practices from 1 Jan 2019 to 31 Jan 2021 (please furnish data for mumbai and all india seperately)

3. No of complaints in Si no 2 decided in favour of bank and against the bank may be furnished separately. (Mumbai and all india figures required seperately)

3a. Number of instances and quantum of compensation awarded to victims of wrongful recovery process of RBL. Bank. (No personal information is sought) (2019-21) (mumbai and all india)

4. Details of system level action taken by RBI Ombudsman on recovery complaints against RBL Bank. (2019-21) (mumbai and all india)

5. communication flow and nature of action taken on my emails addressed to Deputy Governor MK Jain on my complaint against RBL Bank (2020-21) 6. Details of exemption granted by RBI to RBL. Bank to continue to undertake for moratorium opted customers and waiver from implementation of RBI instructions on moratorium From date of issue of moratorium circular)

6a. Details of exemption or waiver granted by RBI to RBL, towards additional factor authentication for CNP transactions. (From date of issue of AFA circular)

6b. Details of card authentication solutions provided by card networks approved by RBI and the date of such approval. name of network authorised (from date of issue of rbi circular in this regard).

7. Copies of correspondence between Ombudsmen offices and supervisory departments of rbi on complaints of illegal recovery be RBL. Bank. (2019-

2021)

8. details of supervisory action taken by RBI on RBI, bank (2014 2021)

9. Copy of RBL inspection report carrying observations on recovery, customer service ( even supreme court has rulod that inspection reports cant he withheld. ( inspection period 2014-2021)

10. Details of meetings held by Ombudsman Office with RBI officials and nature of hospitality extended 1 Jan 20020-31 Jan 2021).

11. Details of action taken against RBL Bank on my complaint of erroneous recovery practices.

12. Details of action taken on my complaint against RB1. Hank on violation of AFA requirements

13. Name of dealing person in complaints against RBL Bank.”

2. The CPIO issued notice on 12-10-2023 to the RBL Bank Limited U/s 11(1) and (2) of the RTI Act. After taking submissions from the said bank, the CPIO decided to disclose the information to the appellant if the RBL Bank Limited fails to file an appeal within stipulated time limit and stated as under:

“4. Analysis and Decision I have carefully considered the contentions made by the parties a. In Jayantilal N. Mistry case, the issue involved was whether disclosure of inspection reports could be denied on the ground of economic interest, commercial confidence, fiduciary relationship or public interest. After considering the contentions raised in that regard, similar to those now advanced by the bank, the Supreme Court directed RBI to disclose the information sought which included inspection reports of banks. Further, in the subsequent contempt proceedings, namely, ir Girish Mittal case, the Supreme Court has r