Right to Information Act - Karnataka Grameena Bank

Right to Information Act!

Right to Information Act 2005 is an act 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, in order to promote transparency and accountability in the working of every public authority, the constitution of the central information commission and state information commissions and for matters connected therewith or incidental thereto.

WHEREAS the constitution of India has established democratic Republic;
AND WHEREAS democracy requires as informed citizenry and transparency of Information which are vital to its functioning and also to contain corruption and to hold governments and their instrumentalities accountable to the governed;
AND WHEREAS revelation of information in actual practice is likely to conflict with other public interests including efficient operations of the governments, optimum use of limited fiscal resources and the preservation of confidentiality of sensitive information;
AND WHEREAS it is necessary to harmonise these conflict interests while preserving te paramountacy of the democratic ideal
NOW THEREOF, it is expedient to provide for furnishing certain information to citizens who desire to have it.
BE it enacted by parliament.

RRBs have been permitted vide Reserve Bank of India letter no. RPCD.CO.RRB.BC.No.86/03.05.33 (G)/2006-07 dated 03.05.2007 to take up corporate agency business without risk participation for distribution of Insurance products.

Further IRDA has issued new regulations for taking corporate agency vide notification No F.No.IRDAI/Reg/12/102/2015 dated 20.08.2015. As per regulation 1(3), a corporate agent who has been issued a license prior to commencement of these regulations has to seek a fresh certificate of registration to work as a corporate agent by applying to the Authority in accordance with procedure by the Authority in this behalf.

Bank has obtained Composite License certificate No CA0415 from Insurance Regulatory Authority of India (IRDAI) valid Till 31.08.2022 for cross selling Insurance products of Insurance company under Corporate Agency.

Karnataka Grameena Bank is a Public Authority, as per definition of Public Authority in the Right to Information Act, 2005, and thus is under obligation to provide the information to members of public.

Only Citizens of India are eligible for making a request under the RTI Act, 2005. Thus applicant has to give his/her citizen status along with the application.

The request for information has to be made in writing, clearly specifying the information sought under the RTI Act with proper contact details like postal address, telephone number, fax number, email address for contacting back either for clarifications/advices or for providing information.

As per the Rules and Regulations of the RTI Act on FEE and Cost, the request for information needs to be accompanied by an application fee of Rs 10/- by way of cash against proper receipt or by DD /PO Cheque favoring the CPIO, Karnataka Grameena Bank.

The application could be sent by post accompanied by the application fee of Rs.10/- payable by demand draft or bankers’ cheque or Indian Postal Order favouring CPIO, Karnataka Grameena Bank. Further, the fee can be paid by way of cash against the proper original receipt as proof of evidence to be enclosed with application. Please note that photocopy and scanned copy of the is not acceptable.

It is Mandatory to send hard copy of the said application to the concerned CPIO along with the appropriate fee. Only upon receipt of appropriate fee the application will be considered for processing. The period of 30 days shall commence from the date of receipt of proof of proper fee.”

Applicable as per the bank guidelines.

The requests/ applications are to be submitted to the concerned CPIO, within whose jurisdiction the information pertains would be available, if submitted otherwise there could be delay. Hence, to avoid delay, it is advised that the applicant submits the application to the concerned CPIO.

Details of CPIO provided below

If the applicant decides to make an appeal against the non-response / information provided by the CPIO, the appeal has to be sent / submitted to the concerned First Appellate Authority.

Details of the First Appellate Authorities provided below

If the applicant is not satisfied with the decision of the First Appellate Authority of Karnataka Grameena Bank, he/she can appeal to the Central Information Commission (CIC) as per the rules of the RTI Act 2005.

For getting information with regard to RTI act 2005

Information on CPIO/First Appellate Authority :

Link : Central information Commission https://cic.gov.in/

Sl.No	Place	Name of Appellate Authority	Designation	Address & Telephone No
1	Ballari	Sri. Rajesh Mishra	General Manager	Recovery and Legal Wing, Head office, Karnataka Grameena Bank, No.32, Sanganakal Road, Gandhinagar, Ballari-583103 Ph: 08392 236459

At Head Office

Sl.No	Place	Name of the CPIO at HO	Designation	Address & Telephone No
1	Ballari	Sri. Naren M	CPIO /Chief Manager	Recovery and Legal Wing, Head office, Karnataka Grameena Bank, No.32, Sanganakal Road, Gandhinagar Ballari-583103 Ph: 08392 236459

CPIO at Regional Offices

Sl.No	Region	Name of the CPIO at RO	Designation	Address & Telephone No
1	Ballari	Sri Hanamantray Giraddi	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office 3rd Floor Modi Chambers 2nd Cross Gandhinagar BALLARI-583103 Karnataka Ph: 08392-254009
2	Bengaluru	Sri B R Anand	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office, No.19 & 19/1, 2nd floor, South End Road, Basavanagudi, Bengaluru - 560 004 Ph: 080 23217276
3	Bidar	Sri. Vijay Kumar Goranallikar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Opposite TVS Show Room Above Reliance Digital, 2nd floor Wali Arcade, Udgir Road Shivanagar BIDAR - 585 401 Karnataka Ph: 08482-221157
4	Chamarajanagara	Smt. H S Thriveni	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Janani Complex, 1st Cross Shankarapura, Near Shri Ram Mandir CHAMARAJANAGARA - 571 313 Karnataka Ph: 08226-223059
5	Chitradurga	Sri Hari Prasad M	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office P B No.70, IUDP Layout N H 4, P B Road CHITRADURGA - 577 501 Karnataka Ph: 08194-234374
6	Hassan	Sri Rachappa	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office 1st Floor, Shankar Math Road K R Puram HASSAN - 573 201 Karnataka Ph: 08172-268828
7	Davanagere	Sri K Varadaraya Kamath	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office #496/66, Sankol Plaza 2nd Floor, Naganuru Road Shamanur DAVANAGERE - 577 004 Karnataka Ph: 08192-457082
8	Chickmagaluru	Sri S N Sreeramappa	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Post Box No 111, Sequera Towers Vijayapura Main road, Vijayapura CHIKMAGALURU - 577 101 Karnataka Ph: 08262-200056
9	Kalaburgi	Sri Shantaling Babu Hulamani	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Near Government Degree College Kusnoor Road KALABURGI-585103 Karnataka Ph: 08472-273425
10	Kolar	Sri Praveen Kumar Prabhakar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office 2nd Floor, BSNL Office TE Compound, Near Railway Station Ward No. 6 KOLAR - 563 102 Karnataka Ph: 08152-224672
11	Koppal	Sri Mallinath Birajdar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Opp. D C Office Complex Hospet Road KOPPAL - 583 231 Karnataka Ph: 08539-221308
12	Madikeri	Sri Uday Kumar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Raghupathi Arcade Mahadevpet Road Madikeri KODAGU – 571 201 Karnataka Ph: 08272-223522
13	Mandya	Sri S Mukunda	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office No 1201, 1st Floor, V V Nagara, 2nd Cross, Ashoka Nagara Opp. Sarovara Hotel MANDYA - 571 401 Karnataka Ph: 08232-224079
14	Mysuru	Sri. Pramod Navani	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office CA20, Opposite Valmiki Bhavan Vijayanagar 2nd Stage MYSURU-570017 Karnataka Ph: 0821-2469576
15	Raichur	Sri J Jagannatha	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office ANR Towers, 1st floor West Police Station Railway Station Road Raichur-584101 Karnataka Ph: 08532-228866
16	Shivamogga	Smt B. T. Sharadamma	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Murthy Paradise 60ft Road, Vinobanagar SHIMOGA-577 201 Karnataka Ph: 08182- 256233
17	Tumakuru	Sri. Roopesh Kumar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office 6th Main, 4th Cross Behind Narasimha Swamy Temple Sadashivanagara TUMAKURU - 572 101 Karnataka Ph: 0816-2201100
18	Yadgir	Sri Gurupad Swamy Kodli	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office near Hosahalli Cross Hyderabad Road, YADGIR - 585 202 Karnataka Ph: 08473-251230
19	Vijayanagara	Sri. Niraj Kumar	CPIO/Regional Manager	Karnataka Grameena Bank Regional Office Flat No. 101 SV Brundavanam Apartment Beside Narmada School, Near Huda office Bye-Pass Road, 11th ward, Chitwadagi HOSAPETE-583211 Karnataka Ph: 08394-226789

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SUO-MOTU Disclosure Under 4.1.b of RTI Act.
Section Nos.	Provision requirement	Information
4 .1.b.i	Particulars of its Organization, functions and duties	Name of Organization: Karnataka Grameena Bank
		Address
		Head office, Post Box.No.55,
		32, Sanganakal Road,
		Gandhinagar, Ballari-583103,
		Karnataka, India.
		Ownership: Central Government -50% share
		State Government-15% share , Sponsor Bank-35% share Business.
		Head Office Organisational Structure
		Functions: The primary functioning of the Bank is to Accept Deposits, to Lend for various activities & to do other Business as permitted under BR Act etc.
		Deposists	Loans	Actitvities
		Savings Account	Agriculture Loans	Organisational Information
		Current Account	Retail Loans	Banking Products & Service
		New Nithya Nidhi Deposit	Loan Schemes	Tech Products/Utility Services
		Term Deposits	Loan Interest Rates	Social Securtiy Schemes
		Tax Saver Deposits		Insurance/Other Services
		Deposit Interest Rates		Security Alerts
				Empanelment
				SARFAESI
				Tenders/ e-Auctions
				Recruitment Notification
				Commission & Service Charges
				Calender
				Safe Bank Locker
				RTI
				Complaints & Grievances
4.1.b.ii	The powers and duties of its officers and employees	The powers and duties of officers and employees are decided by the Board of Directors and in terms of Service Regulations.
4.1.b.iii	The procedure followed in the decision making process, including channels of supervision and accountability	Different powers have been delegated by the Board of Directors to the officers at various levels for smooth functioning.
		Branches receive applications for credit facilities and recommend to the appropriate sanctioning authority. All credit decisions approved by any sanctioning authority are reported to the next higher authority for control & review purpose.
		There is a well-defined organizational structure and clear system of accountability based on RBI / NABARD/Sponsor Bank/CVC guidelines. In order to exercise supervision and fix accountability / responsibility various control measures have been put in place. The system of exercising proper delegation of power and submission of control reports is in place and they are monitored by control officers and through internal inspection.
4.1.b.iv	The norms set by it for the discharge of its functions	Directions received from Ministry of Finance, Government of India, Reserve Bank of India and NABARD and/or approved by the Board of our Bank are the guiding principles for discharging various functions.
4.1.b.iv	The norms set by it for the discharge of its functions	Whether to sanction a loan or not, is the absolute discretion of the concerned sanctioning authority of the Bank and suchdiscretion is exercised, after taking into consideration the relevant facts and circumstances of each case.
4.1.b.v	The rules, regulations, instructions, manuals records, held by it or under its control or used by its employees for discharging its functions:	Manual of Instructions on all our products, periodical circulars, Hand books, Policy Guidelines etc., is made available to all employees for discharging various functions.These are all meant for internal circulation and cannot be shared with public.However, certain information on Deposit, Loan & otherProducts, scheme guidelines, eligibility etc., are available in our websites.
4.1.b.vi	A statement of the categories of documents that are held by it or under its control:	Documents, as required under law, rules and regulations, such as, Balance Sheets, record of the staff, licenses obtained from RBI / other competent authorities for opening branches / offices etc., are held by the Bank.
		Annual Report / Quarterly Reports of our Bank are made available on our website: Financial Statements/ Annual Reports
		Documents executed by customers / borrowers / guarantors, contracts with Third parties / etc. (These are all private information and of commercial value and cannot be shared with public).
4.1.b.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.	Bank is inviting suggestions from employees. Good suggestions are being taken into consideration while formulating policies.
		Customer meetings are being conducted at regular intervals and suggestions, opinions of public are also considered while formulating policy.
		Banks quarterly results and annual results / reports are published in the Banks website periodically. for information of public as well as shareholders which would give an idea about the policies of the bank and implementation thereof.
		Board of Directors, which formulates and implements its policy, also includes representatives nominated by Government of India.
		As per present arrangement the Board of Directors can raise issues concerning policies & give suggestions in the Board Meetings.
4.1.b.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:	Boards of Directors are constituted under The REGIONAL RURAL BANKS Act 1976.
		Various committees as per the requirement of the Bank are formed as per the approval of Board or as per the powers delegated by the Board.
		Publics are not entitled to participate on the meetings of the Board / Committees and minutes are not accessible to Public.
4.1.b.ix	A directory of its officers and employees:	A directory of officers and employees with cadre, place of posting may be seen in following link. Efforts are made to keep the same updated from time to time.
		List of Employees
		Reservation Roster
		Service Regulation
		Pension Regulation
4.1.b.x	The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations:	Remuneration of the Chairman & other deputed staff from sponsor Bank are fixed by the Sponsor Bank.
		As regards the remuneration of other officers / employees, the same is fixed by the Government of India.
		Scale of Pay
4.1.b.xi	The budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursement made:	Not applicable to Karnataka Grameena Bank.
4.1.b.xii	The manner of execution of subsidy programs, including the amounts allocated and the details of beneficiaries of such programs.	Not applicable to Karnataka Grameena Bank.
4.1.b.xiii	Particulars of recipients of concessions, permits or authorizations granted by it:	Not applicable to Karnataka Grameena Bank.
4.1.b.xiv	Details in respect of the information available to or held by it reduced in an electronic form:	Details of products and services offered by the Bank are made available on our website
4.1.b.xiv		www.karnatakagrameenabank.com
4.1.b.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:	Karnataka Grameena Bank is not maintaining any Library/Reading Room for Public.
4.1.b.xvi	The names, designations and other Particulars of the Public Information Officers.	Public Information Officer (PIO):
4.1.b.xvi		Details of CPIOs and FAAs
4.1.b.xvii	Such other information as may be prescribed:	Staff Transfer Policy

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