Vijaya Bank customer care | Vijaya Bank official website and toll free number

Vijaya Bank customer care | Vijaya Bank official website and toll free number

Vijaya Bank customer care (helpline) to register complaints | Vijaya Bank India toll free number and office address, email address and official website

Vijaya Bank is holding a respectable position in the general public and in very short period of time it has gain name and fame in banking sector. The bank is not only for depositing and withdrawing amount but also stretched into customer’s life through providing loans as per the requirements and satisfying all their needs. This bank is known for its banking besides introduced various scheme which are helpful in customer’s day to day life.

Besides having all the advantageous features it is also suffering with some disadvantageous features which requires immediate attention they are minimum certain amount of balance has to be maintained otherwise the account will be lapse, operating with less quantity of ATM which always fall short of amount, webpage is always slow or do not work properly, never update the customers.

Any inconvenience faced while providing  services by Vijaya Bank they can be brought on the desk of Vijaya Bank International Banking Division for any redressal which is situated at 41/2, M.G. Road, Banagalore 560001. Complaints send through fax are also entertained the fax number is 91 80 25584142.

All your inconvenience/complaints can be brought to the notice of customer care centre for immediate relief the toll free numbers is 1800 425 9992 and the telephone number is 41133500.

Besides other options sending your complaints through Email is the best option where you can put all your complaints in detail and make the executive to understand your problem, the Email address is customerrelationcell@vijayabank.co.in. and if you want to know your bank through web? Then just click this website www. vijayabank.com.

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7 Comments

  1. Harish Bohra

    we are reputed account holders of vijaya bank, tondiarpet branch, chennai 21, having 14 accounts from past three generations.this is to inform u that,the newly furnished branch has got slippery floor tiles which is too risky to walk on. I slipped many times but some how balanced myself.but on monday 24.01.11. I sliped so hard that my right hand wrist is fractured leaving my right hand unusable for next 2 months.
    As the flooring is too slippery many of the customer n staff has d same complaint, so i do request u to provide a rough vinyl flooring over and above the existing tiles. Just a patch of vinyl has been pasted at d place where i fell down,but the rest of the 95% floor is still slippery n risky.
    I request u to do the needful immediately to avoid further accidents inside the bank premises.
    PLEASE DO NOT WAIT FOR SEEKING PERMISSION FROM HIGHER AUTHORITIES FOR THIS URGENT WORK TO BE UNDERTAKEN. because i have heard of many slipping examples including your staffs when i went to bank today .THIS IS MOST URGENT.

    ← Reply

  2. Harish Bohra

    we are reputed account holders of vijaya bank, tondiarpet branch, chennai 21, having 14 accounts from past three generations.this is to inform u that,the newly furnished branch has got slippery floor tiles which is too risky to walk on. I slipped many times but some how balanced myself.but on monday 24.01.11. I sliped so hard that my right hand wrist is fractured leaving my right hand unusable for next 2 months.
    As the flooring is too slippery many of the customer n staff has d same complaint, so i do request u to provide a rough vinyl flooring over and above the existing tiles. Just a patch of vinyl has been pasted at d place where i fell down,but the rest of the 95% floor is still slippery n risky.
    I request u to do the needful immediately to avoid further accidents inside the bank premises.
    PLEASE DO NOT WAIT FOR SEEKING PERMISSION FROM HIGHER AUTHORITIES FOR THIS URGENT WORK TO BE UNDERTAKEN. because i have heard of many slipping examples including your staffs when i went to bank today .
    THIS IS MOST URGENT.

    ← Reply

  3. Jagat Modi

    We have our several accounts with Vijaya Bank and the branch has rated most important customer. We had to deposit cash in other branch in city by family member in our current account but charged cash transaction charger being third party depositor. Now May I know the logic behind this ? if the account is operated by family memner in other branch then how can you say this is third party operator and charged heavily ? This is not a Core banking System as they have started making money from any branch means this is a core business and the nationised banks are also the same as Private Banks.

    ← Reply

  4. Janardhanprasad DVS

    Dear Sir,
    Ref: 1. My Vehicle loan account No. 404407110280007
    2. Letter No. nil dt 02.04.2012 ( Ref: VB: 005623985 ) and
    3. Letter No. nil dt.08.06.2012 ( Ref: VB: 005623985 ).
    A letter ref 2. above was received by me around date 20th in April demanding me to pay Rs. 13,982/- and accordingly I have paid an amount of Rs.14,000/- on 23.04.2012.

    And also I have paid Rs. 5,000/- on 21.05.2012.

    Notwithstanding the above repayments made by me about 4/5 days back I have received the letter No.3 ref above demanding me to pay Rs. 24,583/- towards Principal and interest !

    It is obvious that demand for Rs. 24,583/- is wrong.

    Then what about earlier demand for Rs. 13,982/-. It must also be wrong. I doubt whether my earlier repayments for the last 3 years were accounted for or not.

    I have been repeatedly requesting the Branch for issuing Repayment schedule stating the Monthly installments ( Paid installments and installments due ) but in vain.

    Whenever I ask for account statement they give details of Principal amount/interest/penal interest. But not EMI statement ( showing Paid installments and installments due ) .

    Please provide me clear statement showing all payments made by in order to enable me check the genuineness of the entries in the account.

    And also the Statement should show the EMI demands to which account – Principal/interest/penal interest the repayments were appropriated.

    I expect relevant Replies from the Customer care center not from the Branch Manager.

    ← Reply

  5. James

    Vijaya bank is very poor bank
    this bank is not give u any ATM card and u told the bank worker said with some smile u some probelm in our bank u can see his yeallo teeth.

    ← Reply

  6. Ajay Sharma

    Dear Sir,

    I have many time sumbitted net banking form in Nangloi Branch
    But I hAVE VIJAYA BANK STAFF NO RESPONSE
    FOR E.G FORM IS MISS AND I HAVE SEND YOUR ADDRESS BUT HAVE NO COURIOR RECVIED

    ← Reply

  7. DR.I C PRAVEEN

    Respected Sirs/madam,
    KINDLY TAKE TIME AND GO THROUGH…..PERFECTLY REFLECTS HOW VIJAYA BANK WORKS AGAINST ITS CUSTOMER WHO A WIDOW, SENIOR CITIZEN(80YRS), ARMY PENSIONER AND BED RIDDEN FOR ABOUT 7-8MONTHS AND STILL FIGHTING TO AVAIL HER PENSION !!!
    AFTER ALL EFFORTS FROM OUR SIDE, THE BANK STILL MAINTAINS A CAT-MOUSE SHOW!

    NB: I AUTHORIZE PEOPLE TO USE ALL MENTIONED INFORMATION FOR PUBLISHING/TELECASTING/DISCUSSIONS.

    ————————————————————————————————————————————————————————————————————–
    from:
    IC Praveen
    to:
    gmpublicgrievances@vijayabank.co.in, grievanceredressalcell@vijayabank.co.in
    date:
    Tue, Dec 18, 2012 at 1:02 AM & AGAIN ON Tue, Jan 22, 2013 at 1:16 PM
    subject:
    D Vijayamma
    mailed-by:
    gmail.com

    Respected Sirs/madam, 18/12/2012

    My name is Praveen, am writing this letter/complaint on behalf of my granny(D.Vijayamma) who is a faithful customer of Vijaya bank for more than 40 years. Her account nos. are:
    1) 301801010050002 AVADI,CHENNAI 600054 (PENSION ACCOUNT)
    2) 204101010007676 MAIN BRANCH,TRIVANDRUM 695001

    Its with shame, hatred and a feeling of betrayal am writing this complaint. My granny (D Viyayamma) is a SENIOR CITIZEN, she is availing her ARMY PENSION and she is a WIDOW. She for past few months has been bed-ridden(Her sugar levels had gone up and stroke occurred, her right half paralyzed, cant swallow, speak or move. She does the needs in bed…and always someone should be near her…she is fed thru tube and urinates thru tube, her stool has to be cleaned… ) when she was in Delhi with her grandson. The reason am explaining this is the person reading this should realize to some extent the conditions she and her dear ones go thru….
    At first she was hospitalized in Deepak memorial hospital, New Delhi…when they did all what they could we moved her to Fortis hospitals, Noida…and when they did all what they could we moved her to Navjeevan hospital, Vadodara…and when they also said that there is nothing more to do and advised us to take her home we booked a flight and in the above mentioned condition shifted her to her hometown Trivandrum, Kerala. Her native place is Trivandrum, where she is at present surrounded by her relatives, friends & foes. She was a great person. We all love her. In Trivandrum we (my father and her son Mr. S Chandra Sekaran Nair) decided to go check her account and withdraw her pension. But we encountered one of our WORST BANKING EXPERIENCE from Vijaya bank’s official representatives, Trivandrum. I would never recommend even my enemy al to open an account in Vijaya bank…these so called employees would have made its founder Shri Attavara Balakrishna Shetty cry in shame…

    Each and every time we visited Vijaya bank( When dadi is in above mentioned state its impossible for my father to visit bank solely each and every time, so when he cant other members of family like Vijayammas grandsons visit and enquire or other relatives do the same but all converge to one thing, how to get my granny’s money and what are the possible means when she is bed-ridden to do the same as the amount could be of some use in taking care of her), its representatives and we talked only to manager and asst. manager gave lame excuses and mainly the lady asst.manager is a curse to your instituition…has no manners or proper tact to guide a customer and resolve the issues instead she is treating banks customer as some third rate criminals and succeeded in dragging the issue till this stage. Vijaya bank should be careful, very careful in hiring its employees as they represent your bank which is a public institution and deals day to day with people the public….IN SHORT I PLEADE YOU TO APPOINT PROFESSIONALS….who can sort out issues at places instead of wasting everyone’s time, money, energy and making things more complex.
    We had to take our granny in a car with all her disabilities at the Trivandrum branch, officials saw her took her thumb impression also…we pleaded them many times to visit her at home and confirm or let us know all what they want but your representatives are all so inhuman that they never bothered to come and visit D Vijayamma, who is your deemed customer for 20 or more years, a senior citizen, a widow and at an army pension. Above all she is bedridden. SHAME…SHAME…SHAME…IT’S THE LEAST!
    After we showing her to bank, they went on hidden mode, never bothered to contact us or inform us by any means. We waited for long and after few days when we got time we again went to bank…such an ill treatment is least expected from a reputed bank officials…humiliating …and they asked this time to bring a certificate from local hospital, we quietly left and took granny to S.K hospital, Trivandrum and asked them to visit but they refused and wanted us to take her to a govt. hospital which we did and bank representatives visited there after a long plea….AFTER VISITING GRANNY AT TRIVANDRUM GOVT. HOSPITAL THESE OFFICIALS SAID THAT THEY CAN GIVE MONEY ONLY WHEN SHE SPEAKS!!! OR ELSE CONTACT OUR LEGAL ADVISERS…THERE ARE NO WORDS TO EXPRESS WHAT WE ALL WENT THRU HEARING THESE PUBLIC SERVANTS…

    We had to move granny around to hospitals in her bed-ridden conditions but none of the officials ever bothered to visit her at her house. It’s a shame that Vijaya bank appoint these sorts of people on their top posts. How do they serve people, they never gave a solution or given any written statement directing us or guiding us on what has to be done in these conditions. Instead they always run away from their duties. SHAME …shout at customers and so on…Its annoying and disturbing for all of us to visit your bank to face mere humiliation, for our mistake is that our granny holds an account for past 20 or more years in Vijaya bank…
    NB: All medical documents and other necessary documents can be provided unless they talk to us or give us in writing what has to be done further to get her money, a loyal Vijaya bank customer for past 2-3 decades, a senior citizen and a widow holding an army pension fighting for life or death….SHAME , NO WORDS TO SHOW OUR REGRET OF DEALING WITH VIJAYA BANK….ya different people come and ask its banks for money but its banks responsibility to sort out who is who…and bank has no right to ask where and how we will be spending the amount unless it’s a loan. For example when my granny can’t solve an issue her son takes it up and when he can’t her grandsons will and so on…its quite a natural phenomena.
    ASK YOUR BANK REPRESENTATIVES TO BEHAVE WITH THEIR CUSTOMERS PROPERLY FIRST AND SERVE CUSTOMERS BETTER. HOPE THIS ISSUE TO BE RESOLVED AT THE EARLIEST….AND KINDLY STOP HUMILIATING YOUR CUSTOMERS.
    D VIJAYAMMA HAS A CHEQUE BOOK,THEY CAN TAKE LTI(LEFT THUMB IMPRESSION ) AND GIVE THE MONEY…BUT THERE ALSO THEY MAKE DELAYS…AND NOW PLEASE DON’T ASK US TO TAKE HER TO AVADI, CHENNAI BRANCH WHERE SHE HOLDS HER PENSION ACCOUNT…HOPE YOU PEOPLE AT THE TOP MOST LEVEL UNDERSTAND THE SITUATION AND SOLVE THIS AT MAIN BRANCH TRIVANDRUM AT THE EARLIEST.
    Contacts: S.Chandrasekaran Nair(Son of D Vijayamma) 8592948946 Trivandrum, Kerala.

    COPY TO: 1. Consumer court forum

    Thanking you,
    Yours truly,
    Dr. I C Praveen(Grandson of D Vijayamma)
    18:Dec:2012 9840284181/8122614371/7403663270
    scestic@gmail.com; qwertonz@yahoo.com

    NB: For your kind information, I add that in addition to RTI Act 2005, I can proceed against public authority and its officers under The Consumer Protection Act 1986 as decided by National Consumer Disputes Redressal Commission, New Delhi on 28-05-2009, in REVISION PETITION NO. 1975 OF 2005 in complaint filed by Dr. S. P. Thirumala Rao against Municipal Commissioner, Mysore City Municipal Corporation, Mysore. Also can approach NGO’s, media, blogs, forums &other social networks.
    ————————————————————————————————————————————————————————

    from:
    IC Praveen
    to:
    dgmcreditrr2@vijayabank.co.in
    date:
    Sun, Jan 13, 2013 at 10:37 PM
    subject:
    Subject: Request for Information under Right to Information Act 2005
    mailed-by:
    gmail.com
    ——————————————————————————————————————–
    Sub: How can a person withdraw money from his/her pension account, when bedridden.

    My name is Praveen, am writing this letter/complaint on behalf of my granny(D.Vijayamma) who is a faithful customer of Vijaya bank for more than fourty years. Her account nos. are:
    1) 301801010050002 AVADI,CHENNAI 600054 (PENSION ACCOUNT)
    2) 204101010007676 MAIN BRANCH,TRIVANDRUM 695001
    She is paralyzed ,cant swallow(now improving), cant move her right limbs, no control over her motion and urinary reflex and fed through a tube.
    How can a person in this case take money from account?! Her son wants to go to bank and do the same?! What are the procedures for him to do the same at main branch, Trivandrum-01?! Why cant she take through LTI?! Or when can a person take money from bank having cheque book through LTI?!
    Kindly provide me with all the details necessary.
    Thanking you

    DATE: 13/01/2013 with regards
    Dr. Praveen I C
    —————————————————————————————————————————————————

    from: I C Praveen
    to: thiruvananthapuram2041@vijayabank.co.in
    date: Wed, Jan 23, 2013 at 4:06 AM
    subject: D.VIJAYAMMA
    mailed-by: gmail.com
    Respected Sir, 23/01/2013

    KINDLY GO THROUGH THE ATTACHMENT WITH PATIENCE AND DO THE NECESSARY AND TRY TO RESOLVE THE ISSUE AMICABLY WITHOUT
    FURTHER ESCALATION AT THE EARLIEST. I HAVE FORWARDED ONLY YOU THIS ATTACHMENT FOR NOW. I WILL WAIT TILL TODAY FOR A
    PROMPT REPLY FROM YOUR SIDE!! YOUR ACTIONS WILL DEFINE MY FURTHER STEP. PLEASE DON’T WASTE MY TIME, NERVES & ENERGY
    AND YOURS, BELIEVE ME WE CAN DO A LOT OF OTHER GOOD THINGS!

    AM SORRY IF MY ACTIONS HAD HURT YOU IN ANY WAYS,MY INTENTIONS WERE NOT THAT I HOPE GOOD PREVAILS OVER THE EVIL &
    GOD OVER THE DEVIL.

    With regards,
    Dr. IC Praveen
    (Grandson of D.Vijayamma)

    NB: I CHANGED MY MIND I WILL NOT ATTACH INSTEAD READ BELOW!!!

    TO WHOMSOEVER IT MAY CONCERN

    Sirs/Madam, 23/01/2013

    After a long month, The Manager, TRIVANDRUM MAIN BRANCH, KERALA has broken his golden silence! GREAT….and here is what he suggests!!! Dated 22/01/2013… ———————————————————————————————————————————————————————————————————————————————————
    Thiruvananthapuram Main [2041]
    3:06 PM (9 hours ago)

    to me
    sir,

    good morning.

    we request u to obtain a guardianship certificate issued by the local level committee, trivandrum. the local level committee operates from collectorate, trivandrum. we do not any objection in paying the amt in ur grand mother’s account to the authorised person as per the guardianship certificate issued by local level committee.

    we request u to call on us along with the guardianship certificate (issued by local level committee) to settle the issue immediately.

    THANKS & REGARDS.

    CHIEF MANAGER
    TRIVANDRUM MAIN (2041)

    Oh now that’s a quite interesting solution he has found out! At first it was mere humiliation and harassment from the part of VIJAYA BANK, TRIVANDRUM BRANCH, KERALA. Then, till now this long waiting for the people at VIJAYA BANK to resolve the issue. And now at last they had found a unique solution which is absurd in itself and planned only to make this very own customers interest and care suffer … their intentions are pretty clear!!
    Instead of helping a customer (who is loyal for almost forty, yes 40yrs; bedridden for past six months or so and his son (S ChandraSekharan Nair) now fighting to avail his mother’s (D.Vijayamma) ARMY PENSION, who is a window and a senior citizen too) The Manager, VIJAYA BANK, TRIVANDRUM MAIN BRANCH, KERALA came up with quod vide e-mail provided above.

    NOW PAY CLOSE ATTENTION

    1) There is Ministry of Social justice and Empowerment and there is an organisation called National trust. The National Trust is an autonomous organization of the Ministry of Social Justice and Empowerment, Government of India, set up under the “National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities” Act (Act 44 of 1999)
    The National Trust was set up to find an answer to the worries of parents -“What will happen to my child when I am no more?”
    The National Trust works for the welfare of persons with any of the following four disabilities:
    · Autism
    · Cerebral Palsy
    · Mental Retardation
    · Multiple Disabilities

    Definitions
    “autism ” means a condition of uneven skill development primarily affecting the communication and social abilities of a person, marked by repetitive and ritualistic behaviour;
    “cerebral palsy” means a group of non-progressive conditions of a person characterised by abnormal motor control posture resulting from brain insult or injuries occurring in the prenatal, perinatal or infant period of development;
    “mental retardation” means a condition of arrested or incomplete development of mind of a person which is specially characterised by subnormality of intelligence;
    “multiple disabilities” means a combination of two or more disabilities as defined in clause (i) of section 2 of the Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995. These are blindness, low vision, leprosy cured, hearing impairment, locomotor disability, mental retardation and mental illness;
    “person with disability” means a person suffering from any of the conditions relating to autism, cerebral palsy, mental retardation or a combination of any two or more of such conditions and includes a person suffering from severe multiple disability;

    Local Level Committees
    The Board will have to constitute Local Level Committees for different areas comprising of District Magistrate or the District Commissioner along with one representative from a registered organization and a person with disability for a period of three years to act as a Local Level Committee. These Local Level Committees have to meet at least once in three months.

    Appointment of Guardians for Persons with Disability
    A parent or relative of a person with disability may apply to the Local Level Committee for appointment of a guardian/or a person with disability. A registered organisation can also make such an application with consent of the natural guardian of the disabled person. The Local Level Committee will examine whether the person with disability needs a guardian and for what
    purpose and also lay down the duties of the guardian. The guardian will be responsible for the maintenance of the person with disability. The guardian will also submit to the Local Level Committee inventory and annual accounts of the property and assets, claims and liabilities in respect of such person with disability. A guardian so appointed can be removed for negligence or for
    misappropriating the property of the person with disability.
    Courtesy: http://www.rbi.org.in

    RBI ON ITS PART HAS A VERY CLEAR STANCE: GOOD

    Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons
    RBI/2007-2008/ 189
    DBOD.No.Leg.BC. 51 /09.07.005/2007-08

    November 19, 2007

    All Scheduled Commercial Banks
    (Excluding RRBs)

    Dear Sir,

    Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons

    We have been advised by the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities (the Trust) that a question has been raised as to whether the banks and the banking sector can accept the guardianship certificates in regard to persons with disabilities issued by the Local Level Committees set up under the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999.

    2. The Trust has mentioned that the above Act was specifically passed by the Parliament in order to provide for appointment of legal guardians for persons with disability that is covered under the said Act. The above Act provides for appointment of legal guardians for persons with disability by the Local Level Committees set up under the Act. The Trust has opined that a legal guardian so appointed can open and operate the bank account as long as he remains the legal guardian.

    3. The matter has been examined in consultation with the Indian Banks’ Association. They have concurred with the above views expressed by the Trust. It may also be noted that the provisions of Mental Health Act, 1987 also allows appointment of Guardian by District Courts.

    4. Banks are therefore advised to rely upon the Guardianship Certificate issued either by the District Court under Mental Health Act or by the Local Level Committees under the above Act for the purposes of opening / operating bank accounts. A list of Local Level Committees forwarded to us by the above Trust is enclosed.

    5. Banks may also ensure that their branches give proper guidance so that the parents / relatives of the disabled persons do not face any difficulties in this regard.

    Yours faithfully

    (Prashant Saran)
    Chief General Manager-in-Charge

    Courtesy: http://www.rbi.org.in

    Excuse me for boring! It’s for professionals! WHEN READING AND UNDERSTANDING ALL THIS ALONE CAN MAKE ONE TIRE, THEN IMAGINE HOW MUCH VIJAYA BANK HAD MADE ITS CUSTOMER CRY!!
    Now my parents had visited the NGO which had a wonderful visionary and a very kind hearted director as one ought to be when working in such institutions.
    (Shri P.R.S.Pillay Memorial Balavikas Trust Balavikas Building, Gandhi Marg, Peroorkada, Thiruvananthapuram-695005, Kerala 0471 – 2433646, 2433328, Fax: – 2433646 )
    There they refused on granting us a guardianship letter because my grandmother Smt.D Vijayamma don’t fit into the category above mentioned! But directed us to contact district collectorate if we insist on one as he is the chairperson of the LLC(local level committee).

    NB:AFTER A BIT OF RESEARCH I FOUND HER TO BE ABSOLUTELY RIGHT, BY NOW YOU ALL WHO HAD READ THE ABOVE MENTIONED CAREFULLY WOULD HAVE UNDERSTOOD TOO MY GRANNY IS NOT AUTISTIC, NEITHER IS SHE SUFFERING FROM CEREBRAL PALSY NOR A MENTALLY RETARD WITH MULTIPLE DISABILITIES, FEAR ATLEAST GOD SIRS… THE INTENTIONS WHICH WERE BEHIND THE VIJAYA BANKS ACTIONS ARE LEFT FOR INDIVIDUALS TO FIGURE OUT! THEY EVEN EXPELLED IN THEIR DUTIES BY MISSUSING THE ABOVE MENTIONED NOBLE ACT.
    BUT NOW A QUESTION ARISES FOR ALL THOSE INQUESTING MINDS: HOW TO BE IN D.VIJAYAMMA’S CASE?! ANY BANKING PROFESSIONAL COULD OR WILL FIGURE THAT OUT IN SECONDS! BUT VIJAYA BANK….GOD I WILL MUTE MYSELF!!

    SO HERE WE GO ON WHAT RBI SAYS ON THIS:

    5.6 Operation of Banks Accounts by Old/Sick/Incapacitated Customers
    5.6.1 In order to facilitate old/sick/incapacitated bank customers to operate their bank accounts, procedure as laid down in para 5.6.2 below may be followed. The cases of sick/old/incapacitated account holders fall into the following categories:
    (i) an account holder who is too ill to sign a cheque/cannot be physically present in the bank to withdraw money from his bank account but can put his/her thumb impression on the cheque/withdrawal form, and
    (ii) an account holder who is not only unable to be physically present in the bank but is also not even able to put his/her thumb impression on the cheque/withdrawal form due to certain physical defect/incapacity.
    5.6.2 The banks may follow the procedure as under:
    i. Wherever thumb or toe impression of the sick/old/incapacitated account holder is obtained, it should be identified by two independent witnesses known to the bank, one of whom should be a responsible bank official.
    ii. Where the customer cannot even put his/her thumb impression and also would not be able to be physically present in the bank, a mark obtained on the cheque/withdrawal form which should be identified by two independent witnesses, one of whom should be a responsible bank official.
    5.6.3 In such cases, the customer may be asked to indicate to the bank as to who would withdraw the amount from the bank on the basis of cheque/withdrawal form as obtained above and that person should be identified by two independent witnesses. The person who would be actually drawing the money from the bank should be asked to furnish his signature to the bank.
    5.6.4 In this context, according to an opinion obtained by the Indian Banks’ Association from their consultant on the question of opening of a bank account of a person who had lost both his hands and could not sign the cheque/withdrawal form, there must be physical contact between the person who is to sign and the signature or the mark put on the document. Therefore, in the case of the person who has lost both his hands, the signature can be by means of a mark. This mark can be placed by the person in any manner. It could be the toe impression, as suggested. It can be by means of mark which anybody can put on behalf of the person who has to sign, the mark being put by an instrument which has had a physical contact with the person who has to sign. Courtesy: http://www.rbi.org.in

    SYNOPSIS: I THINK/BELIEVE ON THIS PARTICULAR ISSUE CONCERNING D.VIJAYAMMA BANK SHOULD USE THE RBI GUIDELINES QUOTE 5.6 Operation of Banks Accounts by Old/Sick/Incapacitated Customers of Master Circular on Maintenance of Deposit Accounts – UCBs UNQUOTE Please refer to Master Circular UBD BPD (PCB) MC.No.9/13.01.00/2004-05 dated August 11, 2005 on the captioned subject (available at RBI website http://www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/guidelines on the subject up to June 30, 2006 AND NOT BY Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons. As D.Vijayamma is not an autistic, nor is she suffering cerebral palsy, neither is she a mentaly retard with multiple disabilities UNLIKE A FEW!!!

    WHY?!…..IF STILL THIS QUESTION PREVAILS KINDLY GO THROUGH THIS LETTER NO ESSAY ONCE AGAIN!! AND IF STILL YOU PEOPLE DON’T GET IT PROVE ME WRONG ITS AS SIMPLE AS THAT.

    I STOP HERE AND WOULD LIKE TO SEE ATLEAST 0.0001% OF PROFESSIONALISM INSTEAD OF WORD MONGERING. I LEAVE IT FOR OUR SOULS TO DECIDE THE REST! DON’T LET YOUR EGOS TO EAT THEM LIKE WORMS INFECTING AN APPLE!

    BE GOOD DO GOOD SHOULD BE ONES MOTTO.

    NB: kindly take note that my intentions are not to hurt anyone, instead I feel its impossible to hurt others until and unless they let themselves hurt…its psychology by the way! All I want is the system to think and do the necessary for the well being of the people of this great nation and the world in large.

    Hope the issue gets resolved amicably at the earliest without any further escalations.

    Thanking you for THE cooperation,

    Dr. IC Praveen

    (Grandson of D.Vijayamma)

    Respected Sir, 23/01/2013

    KINDLY GO THROUGH THE ATTACHMENT WITH PATIENCE AND DO THE NECESSARY AND TRY TO RESOLVE THE ISSUE AMICABLY WITHOUT
    FURTHER ESCALATION AT THE EARLIEST. I HAVE FORWARDED ONLY YOU THIS ATTACHMENT FOR NOW. I WILL WAIT TILL TODAY FOR A
    PROMPT REPLY FROM YOUR SIDE!! YOUR ACTIONS WILL DEFINE MY FURTHER STEP. PLEASE DON’T WASTE MY TIME, NERVES & ENERGY
    AND YOURS, BELIEVE ME WE CAN DO A LOT OF OTHER GOOD THINGS!

    AM SORRY IF MY ACTIONS HAD HURT YOU IN ANY WAYS,MY INTENTIONS WERE NOT THAT I HOPE GOOD PREVAILS OVER THE EVIL &
    GOD OVER THE DEVIL.

    With regards,
    Dr. IC Praveen
    (Grandson of D.Vijayamma)

    NB: I CHANGED MY MIND I WILL NOT ATTACH INSTEAD READ BELOW!!!

    TO WHOMSOEVER IT MAY CONCERN

    Sirs/Madam, 23/01/2013

    After a long month, The Manager, TRIVANDRUM MAIN BRANCH, KERALA has broken his golden silence! GREAT….and here is what he suggests!!! Dated 22/01/2013… ———————————————————————————————————————————————————————————————————————————————————
    Thiruvananthapuram Main [2041]
    3:06 PM (9 hours ago)

    to me
    sir,

    good morning.

    we request u to obtain a guardianship certificate issued by the local level committee, trivandrum. the local level committee operates from collectorate, trivandrum. we do not any objection in paying the amt in ur grand mother’s account to the authorised person as per the guardianship certificate issued by local level committee.

    we request u to call on us along with the guardianship certificate (issued by local level committee) to settle the issue immediately.

    THANKS & REGARDS.

    CHIEF MANAGER
    TRIVANDRUM MAIN (2041)

    Oh now that’s a quite interesting solution he has found out! At first it was mere humiliation and harassment from the part of VIJAYA BANK, TRIVANDRUM BRANCH, KERALA. Then, till now this long waiting for the people at VIJAYA BANK to resolve the issue. And now at last they had found a unique solution which is absurd in itself and planned only to make this very own customers interest and care suffer … their intentions are pretty clear!!
    Instead of helping a customer (who is loyal for almost forty, yes 40yrs; bedridden for past six months or so and his son (S ChandraSekharan Nair) now fighting to avail his mother’s (D.Vijayamma) ARMY PENSION, who is a window and a senior citizen too) The Manager, VIJAYA BANK, TRIVANDRUM MAIN BRANCH, KERALA came up with quod vide e-mail provided above.

    NOW PAY CLOSE ATTENTION

    1) There is Ministry of Social justice and Empowerment and there is an organisation called National trust. The National Trust is an autonomous organization of the Ministry of Social Justice and Empowerment, Government of India, set up under the “National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities” Act (Act 44 of 1999)
    The National Trust was set up to find an answer to the worries of parents -“What will happen to my child when I am no more?”
    The National Trust works for the welfare of persons with any of the following four disabilities:
    · Autism
    · Cerebral Palsy
    · Mental Retardation
    · Multiple Disabilities

    Definitions
    “autism ” means a condition of uneven skill development primarily affecting the communication and social abilities of a person, marked by repetitive and ritualistic behaviour;
    “cerebral palsy” means a group of non-progressive conditions of a person characterised by abnormal motor control posture resulting from brain insult or injuries occurring in the prenatal, perinatal or infant period of development;
    “mental retardation” means a condition of arrested or incomplete development of mind of a person which is specially characterised by subnormality of intelligence;
    “multiple disabilities” means a combination of two or more disabilities as defined in clause (i) of section 2 of the Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995. These are blindness, low vision, leprosy cured, hearing impairment, locomotor disability, mental retardation and mental illness;
    “person with disability” means a person suffering from any of the conditions relating to autism, cerebral palsy, mental retardation or a combination of any two or more of such conditions and includes a person suffering from severe multiple disability;

    Local Level Committees
    The Board will have to constitute Local Level Committees for different areas comprising of District Magistrate or the District Commissioner along with one representative from a registered organization and a person with disability for a period of three years to act as a Local Level Committee. These Local Level Committees have to meet at least once in three months.

    Appointment of Guardians for Persons with Disability
    A parent or relative of a person with disability may apply to the Local Level Committee for appointment of a guardian/or a person with disability. A registered organisation can also make such an application with consent of the natural guardian of the disabled person. The Local Level Committee will examine whether the person with disability needs a guardian and for what
    purpose and also lay down the duties of the guardian. The guardian will be responsible for the maintenance of the person with disability. The guardian will also submit to the Local Level Committee inventory and annual accounts of the property and assets, claims and liabilities in respect of such person with disability. A guardian so appointed can be removed for negligence or for
    misappropriating the property of the person with disability.
    Courtesy: http://www.rbi.org.in

    RBI ON ITS PART HAS A VERY CLEAR STANCE: GOOD

    Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons
    RBI/2007-2008/ 189
    DBOD.No.Leg.BC. 51 /09.07.005/2007-08

    November 19, 2007

    All Scheduled Commercial Banks
    (Excluding RRBs)

    Dear Sir,

    Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons

    We have been advised by the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities (the Trust) that a question has been raised as to whether the banks and the banking sector can accept the guardianship certificates in regard to persons with disabilities issued by the Local Level Committees set up under the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999.

    2. The Trust has mentioned that the above Act was specifically passed by the Parliament in order to provide for appointment of legal guardians for persons with disability that is covered under the said Act. The above Act provides for appointment of legal guardians for persons with disability by the Local Level Committees set up under the Act. The Trust has opined that a legal guardian so appointed can open and operate the bank account as long as he remains the legal guardian.

    3. The matter has been examined in consultation with the Indian Banks’ Association. They have concurred with the above views expressed by the Trust. It may also be noted that the provisions of Mental Health Act, 1987 also allows appointment of Guardian by District Courts.

    4. Banks are therefore advised to rely upon the Guardianship Certificate issued either by the District Court under Mental Health Act or by the Local Level Committees under the above Act for the purposes of opening / operating bank accounts. A list of Local Level Committees forwarded to us by the above Trust is enclosed.

    5. Banks may also ensure that their branches give proper guidance so that the parents / relatives of the disabled persons do not face any difficulties in this regard.

    Yours faithfully

    (Prashant Saran)
    Chief General Manager-in-Charge

    Courtesy: http://www.rbi.org.in

    Excuse me for boring! It’s for professionals! WHEN READING AND UNDERSTANDING ALL THIS ALONE CAN MAKE ONE TIRE, THEN IMAGINE HOW MUCH VIJAYA BANK HAD MADE ITS CUSTOMER CRY!!
    Now my parents had visited the NGO which had a wonderful visionary and a very kind hearted director as one ought to be when working in such institutions.
    (Shri P.R.S.Pillay Memorial Balavikas Trust Balavikas Building, Gandhi Marg, Peroorkada, Thiruvananthapuram-695005, Kerala 0471 – 2433646, 2433328, Fax: – 2433646 )
    There they refused on granting us a guardianship letter because my grandmother Smt.D Vijayamma don’t fit into the category above mentioned! But directed us to contact district collectorate if we insist on one as he is the chairperson of the LLC(local level committee).

    NB:AFTER A BIT OF RESEARCH I FOUND HER TO BE ABSOLUTELY RIGHT, BY NOW YOU ALL WHO HAD READ THE ABOVE MENTIONED CAREFULLY WOULD HAVE UNDERSTOOD TOO MY GRANNY IS NOT AUTISTIC, NEITHER IS SHE SUFFERING FROM CEREBRAL PALSY NOR A MENTALLY RETARD WITH MULTIPLE DISABILITIES, FEAR ATLEAST GOD SIRS… THE INTENTIONS WHICH WERE BEHIND THE VIJAYA BANKS ACTIONS ARE LEFT FOR INDIVIDUALS TO FIGURE OUT! THEY EVEN EXPELLED IN THEIR DUTIES BY MISSUSING THE ABOVE MENTIONED NOBLE ACT.
    BUT NOW A QUESTION ARISES FOR ALL THOSE INQUESTING MINDS: HOW TO BE IN D.VIJAYAMMA’S CASE?! ANY BANKING PROFESSIONAL COULD OR WILL FIGURE THAT OUT IN SECONDS! BUT VIJAYA BANK….GOD I WILL MUTE MYSELF!!

    SO HERE WE GO ON WHAT RBI SAYS ON THIS:

    5.6 Operation of Banks Accounts by Old/Sick/Incapacitated Customers
    5.6.1 In order to facilitate old/sick/incapacitated bank customers to operate their bank accounts, procedure as laid down in para 5.6.2 below may be followed. The cases of sick/old/incapacitated account holders fall into the following categories:
    (i) an account holder who is too ill to sign a cheque/cannot be physically present in the bank to withdraw money from his bank account but can put his/her thumb impression on the cheque/withdrawal form, and
    (ii) an account holder who is not only unable to be physically present in the bank but is also not even able to put his/her thumb impression on the cheque/withdrawal form due to certain physical defect/incapacity.
    5.6.2 The banks may follow the procedure as under:
    i. Wherever thumb or toe impression of the sick/old/incapacitated account holder is obtained, it should be identified by two independent witnesses known to the bank, one of whom should be a responsible bank official.
    ii. Where the customer cannot even put his/her thumb impression and also would not be able to be physically present in the bank, a mark obtained on the cheque/withdrawal form which should be identified by two independent witnesses, one of whom should be a responsible bank official.
    5.6.3 In such cases, the customer may be asked to indicate to the bank as to who would withdraw the amount from the bank on the basis of cheque/withdrawal form as obtained above and that person should be identified by two independent witnesses. The person who would be actually drawing the money from the bank should be asked to furnish his signature to the bank.
    5.6.4 In this context, according to an opinion obtained by the Indian Banks’ Association from their consultant on the question of opening of a bank account of a person who had lost both his hands and could not sign the cheque/withdrawal form, there must be physical contact between the person who is to sign and the signature or the mark put on the document. Therefore, in the case of the person who has lost both his hands, the signature can be by means of a mark. This mark can be placed by the person in any manner. It could be the toe impression, as suggested. It can be by means of mark which anybody can put on behalf of the person who has to sign, the mark being put by an instrument which has had a physical contact with the person who has to sign. Courtesy: http://www.rbi.org.in

    SYNOPSIS: I THINK/BELIEVE ON THIS PARTICULAR ISSUE CONCERNING D.VIJAYAMMA BANK SHOULD USE THE RBI GUIDELINES QUOTE 5.6 Operation of Banks Accounts by Old/Sick/Incapacitated Customers of Master Circular on Maintenance of Deposit Accounts – UCBs UNQUOTE Please refer to Master Circular UBD BPD (PCB) MC.No.9/13.01.00/2004-05 dated August 11, 2005 on the captioned subject (available at RBI website http://www.rbi.org.in). The enclosed Master Circular consolidates and updates all the instructions/guidelines on the subject up to June 30, 2006 AND NOT BY Guardians appointed by District Courts/Local Level Committees can open/operate bank accounts of certain categories of Disabled Persons. As D.Vijayamma is not an autistic, nor is she suffering cerebral palsy, neither is she a mentaly retard with multiple disabilities UNLIKE A FEW!!!

    WHY?!…..IF STILL THIS QUESTION PREVAILS KINDLY GO THROUGH THIS LETTER NO ESSAY ONCE AGAIN!! AND IF STILL YOU PEOPLE DON’T GET IT PROVE ME WRONG ITS AS SIMPLE AS THAT.

    I STOP HERE AND WOULD LIKE TO SEE ATLEAST 0.0001% OF PROFESSIONALISM INSTEAD OF WORD MONGERING. I LEAVE IT FOR OUR SOULS TO DECIDE THE REST! DON’T LET YOUR EGOS TO EAT THEM LIKE WORMS INFECTING AN APPLE!

    BE GOOD DO GOOD SHOULD BE ONES MOTTO.

    NB: kindly take note that my intentions are not to hurt anyone, instead I feel its impossible to hurt others until and unless they let themselves hurt…its psychology by the way! All I want is the system to think and do the necessary for the well being of the people of this great nation and the world in large.

    Hope the issue gets resolved amicably at the earliest without any further escalations.

    Thanking you for THE cooperation,

    Dr. IC Praveen

    (Grandson of D.Vijayamma)
    ————————————————————————————————————————————————————————-

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