DIFFERENTIAL
TREATMENT TO A PWD & UNUSUAL HIGHEST RATE OF INTEREST ON LOAN
CHARGED BY STATE BANK OF INDIA AUTHORITY TO AN OLD AGED RETIRED
PARALYZED EXTREMELY DISABLED CANNOT EARN ***** To
Chairman / State Bank of India.
chairman@sbi.co.in
Copy to all Sr. Administrators /SBI for N.A. and others who has been referred earlier for inf. & N.A..
PMO – PMO ID NO. 11/3/2013-PMP2/59236 DATED. 26-06-2013.
Priya Mahodaya,
[ Attn: Sri. Pratip Choudhury]
Sub: DIFFERENTIAL TREATMENT TO A PWD & UNUSUAL HIGHEST RATE OF INTEREST ON LOAN CHARGED TO AN OLD AGED RETIRED PARALYZED DISABLED CANNOT EARN
Ref: My letter dated 18th Aug’2913 & all correspondences made since Nov’2012 (a few copies placed at Annex”SBI Exhibit”)
Kindly refer to various correspondences made in connection with above quoted under reference. In case no response is received with in a reasonable time it will be presumed that State Bank of India authority have admitted all the matters brought out to them as a departure from norms and essence. For ready reference copies of few correspondences made between the parties, self explanatory, made since Nov’2012 is placed at Annex “SBI Exhibit” may be seen. Thanking you, With best wishes,
Chinmay Kar 06-09-2013
QQQQQQQQQQQQQQQQQQQQ
From: Chinmay Kar
To: "chairman@sbi.co.in";
"mdge.nbg@sbi.co.in" ; Narayanswami:Ramanujam
Cc: "sbihelpline.lhokol@sbi.co.in"
Sent: Sunday, 18 August 2013 10:59 PM
Subject: Fw: UNUSUAL HIGHEST RATE OF INTEREST ON LOAN CHARGED TO AN OLD AGED RETIRED PARALYZED DISABLED CANNOT EARN
Disabler's Desk - I am a Retd. Sr. Citizen (68 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 but as a Retd. Disabled Sr.Citizen neglected / ignored by all - Chinmay Kar
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT MOVE OUT SIDE W/O ESCORT & fully dependent on e-governance system]
WWWWWWWWWWWWWWWWWWWWWWWWWWWWWW
To - Chairman SBI
Circulation copy to all concerned for information.
Kindly refer to all earlier request made by this Aged Pensioner, Paralyzed Disabled, can't move outside without escorts to attend any office etc, placed below for ready reference. It is a fact that you have charged 14.75% unusual highest interest to be paid for a small personal loan of Rupees 1.5 lks only by an extreme disabled can't earn a single farthing where as allowing 8 to 9 % low interest for loan of 25 lks to customers for purchase of cars & house building. Kindly refer to letter dated 22-05-2013 and send your reply at the earliest. Thanks.
Chinmay Kar 18th Aug'2013
Copy to:
cgmcsd@rbi.org.in , helpkolkata@rbi.org.in , jsda-dfs@nic.in
"Finance Minister"
chairman@sbi.co.in , mdge.nbg@sbi.co.in , chairmansbi.customer@sbi.co.in
sbihelpline.lhokol@sbi.co.in , gm1.lhokol@sbi.co.in , gm.customer@sbi.co.in ,
dgmpbbu1.lhocha@sbi.co.in , gm.customer@sbi.co.in , dgm.customer@sbi.co.in ,
agmcustomer.lhokol@sbi.co.in , pstocgm.lhokol@sbi.co.in , sbi.05680@sbi.co.in ,
enable@un.org , crpd@ohchr.org , humanrightsactivist@yahoogroup
******************************************
Chairman / State Bank of India.
chairman@sbi.co.in
Copy to all Sr. Administrators /SBI for N.A. and others who has been referred earlier for inf. & N.A..
PMO – PMO ID NO. 11/3/2013-PMP2/59236 DATED. 26-06-2013.
Priya Mahodaya,
[ Attn: Sri. Pratip Choudhury]
Sub: DIFFERENTIAL TREATMENT TO A PWD & UNUSUAL HIGHEST RATE OF INTEREST ON LOAN CHARGED TO AN OLD AGED RETIRED PARALYZED DISABLED CANNOT EARN
Ref: My letter dated 18th Aug’2913 & all correspondences made since Nov’2012 (a few copies placed at Annex”SBI Exhibit”)
Kindly refer to various correspondences made in connection with above quoted under reference. In case no response is received with in a reasonable time it will be presumed that State Bank of India authority have admitted all the matters brought out to them as a departure from norms and essence. For ready reference copies of few correspondences made between the parties, self explanatory, made since Nov’2012 is placed at Annex “SBI Exhibit” may be seen. Thanking you, With best wishes,
Chinmay Kar 06-09-2013
QQQQQQQQQQQQQQQQQQQQ
From: Chinmay Kar
To: "chairman@sbi.co.in"
Cc: "sbihelpline.lhokol@sbi.co.in"
Sent: Sunday, 18 August 2013 10:59 PM
Subject: Fw: UNUSUAL HIGHEST RATE OF INTEREST ON LOAN CHARGED TO AN OLD AGED RETIRED PARALYZED DISABLED CANNOT EARN
Disabler's Desk - I am a Retd. Sr. Citizen (68 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 but as a Retd. Disabled Sr.Citizen neglected / ignored by all - Chinmay Kar
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT MOVE OUT SIDE W/O ESCORT & fully dependent on e-governance system]
WWWWWWWWWWWWWWWWWWWWWWWWWWWWWW
To - Chairman SBI
Circulation copy to all concerned for information.
Kindly refer to all earlier request made by this Aged Pensioner, Paralyzed Disabled, can't move outside without escorts to attend any office etc, placed below for ready reference. It is a fact that you have charged 14.75% unusual highest interest to be paid for a small personal loan of Rupees 1.5 lks only by an extreme disabled can't earn a single farthing where as allowing 8 to 9 % low interest for loan of 25 lks to customers for purchase of cars & house building. Kindly refer to letter dated 22-05-2013 and send your reply at the earliest. Thanks.
Chinmay Kar 18th Aug'2013
Copy to:
cgmcsd@rbi.org.in , helpkolkata@rbi.org.in , jsda-dfs@nic.in
"Finance Minister"
chairman@sbi.co.in , mdge.nbg@sbi.co.in , chairmansbi.customer@sbi.co.in
sbihelpline.lhokol@sbi.co.in , gm1.lhokol@sbi.co.in , gm.customer@sbi.co.in ,
dgmpbbu1.lhocha@sbi.co.in , gm.customer@sbi.co.in , dgm.customer@sbi.co.in ,
agmcustomer.lhokol@sbi.co.in , pstocgm.lhokol@sbi.co.in , sbi.05680@sbi.co.in ,
enable@un.org , crpd@ohchr.org , humanrightsactivist@yahoogroup
******************************************
SBI LOAN
EXHIBTS
(1)
POI, PM / INDIA PROPOSES BETTERMENT FOR PWD’S – SBI (GOD) DISPOSES
IN SOME OTHER WAY !!!
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT MOVE OUT
SIDE W/O ESCORT & FULLY DEPENDENT ON E-GOVERNANCE CORRESPONDENCE SYSTEM]
REDUCING
HIGHEST RATE OF INTEREST CHARGED AGAINST PERSONAL LOAN OF RUPEES ONE LAKH FIFTY
THOUSAND FROM STATE BANK OF INDIA FROM A SENIOR CITIZEN RETIRED GOVERNMENT
SERVANT (68+YRS), ENTIRE RIGHT SIDE OF BODY PARALYZED, DISABLED (60%), CANNOT
MOVE OUT SIDE WITH OUT ESCORTS FOR WHAT SO EVER REASONS, UNABLE TO EARN A
SINGLE FURTHING DUE TO EXTREME DISABILITY
Under extreme
compelled circumstance I had to apply for Sr.Citizen, pensioner’s loan for an
amount of Rs.1.5 lks in connection with marriage of my daughter on 27.06.2010
from SBI / TNT Branch (05680), Kolkata-700040 to meet expanses for daughter’s
marriage.. Initially in accordance with prevailing bank’s rules as a Sr.
Citizen pensioner I was eligible to get Rs.1.10 lks only. I had requested
Chairman / SBI to grant me a loan of Rs.1.5 lks taking into consideration that
not only I am a Sr.Citizen but also a Paralyzed Disabled cannot move out
side for whatsoever purpose [Persons With
Disability cases are not considered at SBI Bank’s rule]. Chairman / SBI
had kindly approved my request.
Accordingly a loan of
Rs.1.5 lks was sanctioned and deduction of loan & interest element @ Rs.
5342/- per month [36 installments] started w.e.f 02-08-2010. Interest element fixed for this loan is was
unusual highest rate of 14.75% on total amount sanctioned to me.
As a Sr. Citizen, Paralyzed Disabled (60%),
entire right side of body fully paralyzed but can only operate computer with
unusual left hand to communicate rest part of world in connection with social
welfare works for aged disabled persons, cannot move out side with out escorts,
have no other income sources except small pension amount having burden
maintaining family including an unemployed son, compelled to stay at Kolkata on
a rented house to avail medical facility, time to time essential check up of
post stroke sickness elements. It becomes very much difficult for me in these
hard days to bear a higher rated interest element of 14.75% which
virtually & seriously tells upon me & my dependents. Market price had
gone through the roof by this time and as a result there of considering the
financial constraints Government had to increase M.P. Vatha from Rs. 15,000/-
to Rs. 50,000/- Incidentally it is to mention that rate of interest charged towards
loan H.B.Advace & Purchase of Car up to Rs. 20 / 25 lakhs are 8 to 10%
only where as loan to an aged disabled can’t earn a farthing is 14.75% -
unbelievable!!!!. It is further surprising to note that although The President
& Prime Minister of India expressed their deep concern for PWDs and
directed to extend possible help to PWDs – State Bank of India
do not hesitate to declare BOLDLY
that they do not have any scheme for Persons With Disability.
Under the
circumstance I had request the Government on 15.03.2012 followed by series of
reminders to kindly consider reducing interest element on loan from Rs. 14.75%
to a bearable moderate interest between 8 to 9% so that this extreme old
aged disabled can get some financial relief at the fag end on earth. Since
Branch Manager / SBI / TNT Studio (05680), Kolkata-700040 had stated both
orally & through written confirmation that he has no powers to decrease or
increase an interest element of a loan, prayer has been made to the highest
authority of SBI for necessary action. [Incidentally it is to mention that the
entire staff of SBI / TNT Studio Branch are very cordial and helpful to this
extreme disabled]
Although prayer was
made on 15-03-2012 SBI
authority remained silent till a letter “NON
SYMPATHIC DEALINGS BY STATE BANK OF INDIA TO A SR.CITIZEN, PARALYZED DISABLED PENSIONER” dated
20-11-2012 was issued by
me. Immediately AGM / Customer / SBI from SBI assured justice to cases of
Persons with Disability (PWD) vide letter dated 04-12-2012. [Copy of both the letters placed at
attachment “AGM / SBI assurance” for ready appreciation]. Unfortunately the
assurance of SBI turns to be a fake one as nothing has been done towards reducing Highest rate of Interest charged
for a simple loan granted to an aged extreme disabled government poor
pensioner, can’t move outside and earn a single farthing. Reduction of highest
interest charged was made on 15.03.2012 when only 20th EMI was paid.
Now out of 36 EMI @ Rs.5,342/- 34th EMI has since been paid but
assurance as well as SBI remains completely silent. In this context it is
mentioned that any type of TOKEN CONSIDERATION
in lieu of what has been prayed based on various justifications, explanations,
situations financial considerations furnished will NOT
be treated as a help to this extreme Disabled Person. Incidentally one
eminent social welfare worker of New Delhi
i.e Shivani Gupta has observed as follows on fb as “It is really shameful that
a nationalized bank has no consideration for disability and the elderly while
giving a loan. Your comparison to the car loan brings out how opportunistic the
banking system is” This type of negative dealings to aged extreme disabled
persons are not at all desirable and
should invariably be avoided by State Bank of India, a Nationalized Scheduled
Bank. Thanking you every body with the expectation that we will proceed towards
a better tomorrow for every one.
Kindly see attachment.
Chinmay Kar 14th Mayl‘2013
[Due to extreme
disability reasons E- governance correspondence solicited][Available on Skype, gtalk &
Webcom]
chinmaykar@yahoo.co.in
kyinu1955@ gmail.com
Disabler's Desk - I am a Retd. Sr. Citizen (68yrs), 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
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.
A/III, Mala Apptt , 57, B.P.Road,
Paschimputiary, Kolkata-700041 [ India ]{Ty.residence on medical consideration]
-à For all correspondences please use this address FOR SUMMER
SEASON ONLY.
Permanent address: Paschimpara, Bongaon, North 24
Parganas, West
Bengal.
Circulation copy to all concerned referred earlier
:-
Sri.V. N.arayanswami, MoS to PMO. For kind
information of PM’s office. This is an item to be discussed with PM during
interview solicited vide my mail dated 06-05-2013
Rastripati Bhaban helpline@rb.nic.in
, kindly refer to letter dated 02-06-2012 received by RB OFFICE on 06-06-2012
@@@@@@@@@@@@@@@@@@@@@@@@
(2)
Ch.SBI 6-5-13
NON SYMPATHIC DEALINGS BY STATE BANK OF INDIA TO A SR.CITIZEN, PARALYZED DISABLED PENSIONER
Monday, 6 May, 2013
11:20 AM
From:
"Chinmay Kar"
To:
"chairman-sbi" ,
"sbi/kol" ,
"narayanswami"
Cc:
"DGM-Comp SBI" ,
"dgm.zokol@sbi.co.in" ,
agmcustomer.lhokol@sbi.co.in, gm.customer@sbi.co.in
Message contains attachments
5 Files (66KB) | Download All
|
Repeated since position explained vide mail dated 20-11-2012 not yet
solved. Any type of token consideration will not be treated as a help to an
aged Disabled Person as prayed for i.e. reduction of interest element from
14.75% to 8 to 10%. This is in continuation to mail dated 06-05-2013, copy endst.
to you. Thanking you,
Chinmay Kar MMMMMMMMMMMMMMMMMMMMMM --- On Thu, 25/4/13, Chinmay Kar From: Chinmay Kar Subject: Fw: NON SYMPATHIC DEALINGS BY STATE BANK OF INDIA TO A SR.CITIZEN, PARALYZED DISABLED PENSIONER To: "chairman-sbi" Cc: "DGM-Comp SBI" Date: Thursday, 25 April, 2013, 10:40 AM
|
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(3)
Facebook Commens only few reproduced
Chinmay Kar
What is your valued opinion?
Some points for offering your valued opinion.
As a Senior Citizen, Paralyzed, Disabled can’t move out side freely without an escort had to take a pensioner’s loan for Rs. 1.5 lks under compulsion on account of daughter’s marriage on 27.06.2010. For this loan State Bank of India is charging interest @ Rs.14.75% which is tremendusly a high rate of interest for a poor paid government pensioner & an aged paralyzed disabled who do not have any alternative source of income. Interestingly the same SBI is charging 8 to 10% interest on car or house building loan for 20 – 30 lks. Here in this country you will find that Vidhava (Widow) Bhata and Protibandhi (Disable) Bhata is sanctioned upto Rs. 400/- only per month. A cow consumes dry grass (cow food) per month for Rs.1,200/-. Since recently market price has gone through the roof, for which Hon’ble M.Ps Bhata has to be increased from Rs. 15,000/- to 50,000/-, I have requested SBI since 15.03.2012 to reduce interest element fron 14.75% to 8 to 10% considering my financial hardship. Consideration yet to be made by SBI authority though assured to a PWD.
In view of the facts narrated above you are requested to pen down your valued views so that appropriate authority and civilized citizen of the globe can be made known. Thank you every body.
As a Senior Citizen, Paralyzed, Disabled can’t move out side freely without an escort had to take a pensioner’s loan for Rs. 1.5 lks under compulsion on account of daughter’s marriage on 27.06.2010. For this loan State Bank of India is charging interest @ Rs.14.75% which is tremendusly a high rate of interest for a poor paid government pensioner & an aged paralyzed disabled who do not have any alternative source of income. Interestingly the same SBI is charging 8 to 10% interest on car or house building loan for 20 – 30 lks. Here in this country you will find that Vidhava (Widow) Bhata and Protibandhi (Disable) Bhata is sanctioned upto Rs. 400/- only per month. A cow consumes dry grass (cow food) per month for Rs.1,200/-. Since recently market price has gone through the roof, for which Hon’ble M.Ps Bhata has to be increased from Rs. 15,000/- to 50,000/-, I have requested SBI since 15.03.2012 to reduce interest element fron 14.75% to 8 to 10% considering my financial hardship. Consideration yet to be made by SBI authority though assured to a PWD.
In view of the facts narrated above you are requested to pen down your valued views so that appropriate authority and civilized citizen of the globe can be made known. Thank you every body.
(7)
LETTER TO
CHAIRMAN / SBI 10-05-2013
Disabler's Desk - I am a
Retd. Sr. Citizen (68yrs), 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
[A CASE OF SR.CITIZEN, PARALYZED DISABLED, CANNOT
MOVE OUT SIDE W/O ESCORT & FULLY DEPENDENT ON
E-GOVERNANCE CORRESPONDENCE SYSTEM]
**************************************************************
Sri.
Pratip
Choudhury,
Chairman
/ State Bank of India.
Copy to all Sr. Administrators /SBI for N.A. and others
PMO – Item included for
proposed discussion with PM.
Priya Mahodaya,
Sub:
Reducing highest interest element for loan to Retd. Disabled Person
Ref: (1) My
initial appeal dated 15-03-2012
(2) Followed
reminder dated 20-11-2012
(3) Ref by AGM/C/SBI
dated 04-12-2012 / complied.
(4) Ref by DGM/PBBU
dated 05-12-2012 / complied.
(5) sbihelpline.lhokol@sbi.co.in’s e-mail dt. 26.12.2012 /
complied
(6) cms.psg@sbi.co.in’s e-mail dt. 28.12.2012 /
complied
(7) dgm.customer@sbi.co.in’ s
e-mail dt 28.12.2012 / complied
(8)
Submission before you dt 16.12.2012
(9)
Resubmission before you dated 06-01-2013
(10)
Letter to Sri.Surender Kumar CGM/SBI/Kol dt. 21.01.2013
(11) Reminder mail to
Sri. Sunil Srivastava, CGM / SBI / KOL
(12) Followed
by several reminders to you incl dt.28-01-2013
(13)
Reminder with factual position dated.
07.04.2013
(14)
Reminders 19-04-2013, 25-04-2-13 and 06-05-2013
Kindly refer to all the references mentioned above. Decision of
the SBI authority is yet to be received. AGM/C/SBI‘s assurance to aged disabled
persons on behalf of SBI appears to be a casual and fake as the same is
not in conformity with dealings made for this aged disabler’s case.
Incidentally it is to mention that prayer for reduction of unusual highest rate
of interest was made on 15-03-2012 i.e. out of 36 EMI when
only 20thth instilment was made. Now 33rd
instilments have been made but your offices have stopped all its
activity. It is painful to note that SBI have boldly stated that they do
not have any scheme for aged disabled persons although it doesn’t appears
to be in conformity with government decision announced by POI and PM of India
from time to time. You are requested to consider my prayer for reduction of
unusual high rate of interest from 14.75% to 8 to 9% (at some letters it was
wrongly indicated as 10%) based on various clarifications, justifications,
financial considerations as well as humanitarian grounds through various
letters issued to your offices. However it may kindly be noted that any type of
TOKEN CONSIDERATION will not be treated as a help to an aged Disabled
Person, prayed for only reduction of interest element from 14.75% to 8 to 9%
with due reasons.
Hope you have realized the feelings of an aged disabled person
and take positive action immediately treating this as MOST URGENT. Thanking
you,
Attachments
Chinmay Kar 10th Mayl‘2013
[Due to extreme
disability reasons E- governance correspondence solicited][Available on Skype, gtalk &
Webcom]
chinmaykar@yahoo.co.in
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.
A/III, Mala Apptt , 57, B.P.Road,
Paschimputiary, Kolkata-700041 [ India ]{Ty.residence on medical consideration]
-à For all correspondences please use this address FOR SUMMER
SEASON ONLY.
Permanent address:
Paschimpara, Bongaon, North 24 Parganas, West Bengal .
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