Sample letter format to file RTI in banks

Looking for an application format to file RTI against PSU banks? Right to Information Act gives you right for this too. Read this page to know the best and effective method to write an application while filing RTI in banks in India.

With the introduction of 'Pradhan Mantri Jan-Dhan Yojana (PMJDY)', more than six crore new bank accounts are opened in India. But many of such account holders are actually not aware of their rights. One of such rights is to file a RTI in any Public Sector Undertaking (PSU) banks. Lets read what to do if you are willing to file RTI in PSU banks.

Right to Information Act 2005 is an Act of the Parliament of India which gives right to citizens of India to request for information from a public authority (subject to certain exclusions like Intelligence Bureau, Central Bureau of Investigation, Narcotics Control Bureau, etc.). This act applies to entire India except the state of Jammu and Kashmir.

When can you file RTI in PSU banks

• Father had an account in bank. He expired and he made his elder son nominee of the bank. Now, the other son/s can file a RTI.
  
• Your ATM is locked due to some unknown reasons and the bank authorities of same branch are refusing to unlock it from their end as well as are also deducting charges from your account.
  
• Extra interest is charged from your loan account without any information of change in interest.
  
• You can also use the powerful tool of RTI even if your bank is not providing you correct information about any loan related items.
  
• RTI can be filed if you feel that bank has performed any act against their own terms and regulations. In short, this tool can be used in case of any improper behaviour or act of banking authorities.

How to write RTI application letter

You can use the following format if you are going to file RTI in a bank.

Sir/ Madam,
I hereby declare that I am citizen of India. I am saving/ current account holder (account number _____) in ___ bank. I want to know the reason that why bank has locked my ATM card without any reason and are now refusing to unlock it from their end as well as are also deducting charges from my account. OR I want to know that why extra interest is charged from my ____ loan account and what calculations were made for the same. OR Please provide me correct interest rates, prepayment, documentation issues of ___loan in ___ bank.

Note: Use appropriate information you are seeking from them. I have given only a few examples here. Whatever information you are seeking, be sure that the content must be brief, precise and to the point. You need not to gossip here.

Please note that applicants have to pay fees of Rs. 10. In certain cases, Central Public Information Officer (CPIO) may demand additional charges. You can also file RTI online at https://rtionline.gov.in/. See step by step procedure to file online RTI at http://righttoinformation.gov.in/um_citizen.pdf.

Article by Nidhi
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