RBI MUST REVIEW “BANK LOCKER POLICY”

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URGENT NEED OF HOUR: RBI MUST REVIEW “BANK LOCKER POLICY”

        BANK OF BARODA  Robbery  in Navi Mumbai  unearthed  the loop holes in BANK LOCKER SAFETY and underlines the urgent need of REVIEW  IN BANK LOCKER POLICY which is Non-Transparent  ,Unsafe and against the customers interest.

                Current BANK LOCKER POLICY Works on principle like “PAY n PARK: PAY But PARK at your risk” .

  •  OBJECT BEHIND THE PETITION: 

               RBI should issue clear cut guidelines to all BANKS to bring TRANSPARENCY IS USE OF BANK LOCKER SYSTEM.  It must be made mandatory to customers to declare details of items which are to be kept in lockers which can be inspected by BANK.  With this details provision of insurance can be made available for customers and BANKS.  Recording of items will turn helpful to overcome the menace of BLACK MONEY or unaccounted wealth.  Keeping of cash in BANK LOCKERS must be totally banned.

  •  बँक लॉंकर पद्धत पारदर्शक व ठेवीदारांच्या हिताची हवी :

       नवी मुंबईतील बँक  बडोदा शाखेतील बँक लॉंकर लुटीमुळे बँक लॉंकर सुरक्षेचा मुद्दा ऐरणीवर आला आहे . वर्तमान बँक लॉंकर सिस्टीमनुसार बँक लॉंकरमधील वस्तूंची जबाबदारी हि बँकेची नसून ती संपूर्णतः ग्राहकांची आहे . वर्तमान पद्धत हि संपूर्णपणे प्रामाणिक ग्राहकांसाठी अन्यायकारक आहे . अपारदर्शक धोरणामुळे बँकेची बँक लॉंकर्स हे सरकार संरक्षीत काळ्या धनाची आगार बनत आहेत .

  यात बदल व्हावा यासाठी हि ऑनलाईन याचिका . आरबीआयने बँक  लॉंकर पॉलिसी अधिकाधिक पारदर्शक बनवावी . ग्राहकांकडून ठेवल्या जाणाऱ्या प्रत्येक वस्तूची नोंद ठेवणे बँकांना बंधनकारक करावे . अशी पारदर्शक व्यवस्था केल्यास बँका देखील बँक लॉंकरचा इन्शुरन्स काढू शकतील . लॉंकरमध्ये रोकड ठेवण्यास पूर्णपणे बंदी असायला हवी . 

       All banks agreement states that,  “As per safe deposit memorandum of hiring locker, the bank will not be responsible for any loss or damage of the contents kept in the safe deposit vault as a result of any act of war or civil disorder or theft or burglary and the contents will be kept by the hirer at his or her sole risk and responsibility”.

      Actually by forcing such agreement on account holder’s banks are avoiding their responsibilities and trying to escape from their liabilities, which seem to be against the customer’s interest and basic object behind the Bank Lockers.

    PAST IS PAST and Enough is enough. Now times have changed. This is the era of Transparency and Rights.  By taking in account the need of hour RBI must come forward in reviewing BANK LOCKER POLICY.

   The huge drawback of current policy is that, it’s totally NON-TRANSPARENT and hence prone to BLACK MONEY. 

         Its open secret that, as nothing comes on Records about items kept in locker; it is misused by vested interested citizens to hide the Black money, Gold-Silver purchased with the unaccounted income and like that.  Bitter truth is that, with this, BANK LOCKERS are turning as a “Government protected shelters for Black Money”.   In recent system , as nothing is recorded , option of insurance automatically gets  inapplicable.

    By continuing with current rules and policies, on one side RBI allowing BANKS to escape from their responsibilities, protecting vested interest of BLACK MONEY holders and curbing the BASIC RIGHT OF ACCOUNT HOLDERS.

       

 



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