Various deals related to you banks are so tough to tackle. If you do not know the proper channel system or rules, it can be very difficult for you to even complete basic banking deals like opening a basic saving account to getting a loan also. Mostly a customer is unaware of basis rights that he holds while dealing with the banks and because of that he has to face many issues related to that. That is why the RBI ( The Reserve Bank Of India and BCSBI (Banking Codes And Standard Board Of India ) has given the Indian customers few basic rights to get rid of these issues. Lets check those hidden basic customers rights, so that you can take maximum benefits from using those rights.
• Right To Open Bank Account : No Indian bank can refuse to open bank account of any Indian Citizen due to lack of Permanent Address Proof. The banks are hereby entitled to open bank account on any basic documents or proofs that the Indian Citizen is having as basic identity or residence proofs.
• Right To Transfer Fund : Any person can transfer amount upto 50000 INR by help of any bank using NEFT and can pay to any account in any other bank in India. It it not required that you should have account in both of those banks.
• Claim For Delaying In Cheque Collection By Bank : If your bank delays in your cheque collection or deposits the amount in your account than prescribed time format by Government banking system, than you can claim for extra money just because bank failed to deliver service on time. The amount payable to you will be as per normal interest charging rates on that particular day or time.
• Getting Back Your Security : If you had have took loan from your bank against any security or collateral, than you have rights to take back those collateral or security within 15 days from the fully payment of the loan by you.
• Notice Of Any Change In Banking Rules Etc : If you and your bank are in any kind of agreement over any deals, and if bank changes any rule or regulations etc pertaining to or related to that deal or agreement than banks are abide to send you prior notice for that chance before 30 days of that change or so.
• Unauthorized Withdrawal : If by mistake or by any fraud or by any chance if the amount is Withdrawal or debit from the customers account without his authority, than banks are liable for any debit or loss thereof or anything like that and it will be bank's responsibilities to prove it, otherwise bank's only are liable to credit the same amount back you customer's account.
• Right To Know The Reason Of NO : If any bank refuse to provide any bank related service or information upon demand, than you have your basic principle right to get answer for that, and no bank or it's employee can tell you NO for that. They are abide by banking codes to provide satisfactory solution to their customers.
• Third Party Products : Banks can not forcefully sell you any third party products. They are the products which are not by banks.
• Right To Privacy : Banks can not share your account or any type of privacy details to anyone or any third party of outside the bank. It's their prime responsibility to keep your details safe, secure and private forever.
• Right To Have Final Solution : Your bank is liable to solve any kind of banking related issue or problems that you face at any given point of time during banking hours. Banks are abide by their codes to respect the rights given to customers by banking system of India.
• No To Racism Etc : bank can not differenciate customers on basis if their gender, cast, religion, etc.
We will keep you posting much more over this front very soon, just keep visiting us daily :)
SOURCE : WWW.INDIARIGHTNOW.COM
• Right To Open Bank Account : No Indian bank can refuse to open bank account of any Indian Citizen due to lack of Permanent Address Proof. The banks are hereby entitled to open bank account on any basic documents or proofs that the Indian Citizen is having as basic identity or residence proofs.
• Right To Transfer Fund : Any person can transfer amount upto 50000 INR by help of any bank using NEFT and can pay to any account in any other bank in India. It it not required that you should have account in both of those banks.
• Claim For Delaying In Cheque Collection By Bank : If your bank delays in your cheque collection or deposits the amount in your account than prescribed time format by Government banking system, than you can claim for extra money just because bank failed to deliver service on time. The amount payable to you will be as per normal interest charging rates on that particular day or time.
• Getting Back Your Security : If you had have took loan from your bank against any security or collateral, than you have rights to take back those collateral or security within 15 days from the fully payment of the loan by you.
• Notice Of Any Change In Banking Rules Etc : If you and your bank are in any kind of agreement over any deals, and if bank changes any rule or regulations etc pertaining to or related to that deal or agreement than banks are abide to send you prior notice for that chance before 30 days of that change or so.
• Unauthorized Withdrawal : If by mistake or by any fraud or by any chance if the amount is Withdrawal or debit from the customers account without his authority, than banks are liable for any debit or loss thereof or anything like that and it will be bank's responsibilities to prove it, otherwise bank's only are liable to credit the same amount back you customer's account.
• Right To Know The Reason Of NO : If any bank refuse to provide any bank related service or information upon demand, than you have your basic principle right to get answer for that, and no bank or it's employee can tell you NO for that. They are abide by banking codes to provide satisfactory solution to their customers.
• Third Party Products : Banks can not forcefully sell you any third party products. They are the products which are not by banks.
• Right To Privacy : Banks can not share your account or any type of privacy details to anyone or any third party of outside the bank. It's their prime responsibility to keep your details safe, secure and private forever.
• Right To Have Final Solution : Your bank is liable to solve any kind of banking related issue or problems that you face at any given point of time during banking hours. Banks are abide by their codes to respect the rights given to customers by banking system of India.
• No To Racism Etc : bank can not differenciate customers on basis if their gender, cast, religion, etc.
We will keep you posting much more over this front very soon, just keep visiting us daily :)
SOURCE : WWW.INDIARIGHTNOW.COM
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