How to open a bank account of a blind person? If he/she can open so, then is he/she eligible for ATM transaction? There is a lot chances of commiting frauds. Is there any circular of RBI regarding this issue?
anand (Legal Compliance Officer) (119 Points)
30 December 2011How to open a bank account of a blind person? If he/she can open so, then is he/she eligible for ATM transaction? There is a lot chances of commiting frauds. Is there any circular of RBI regarding this issue?
Deepak Gupta
(CA Student)
(15922 Points)
Replied 30 December 2011
| Originally posted by : anand | ||
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How to open a bank account of a blind person? If he/she can open so, then is he/she eligible for ATM transaction? There is a lot chances of commiting frauds. Is there any circular of RBI regarding this issue? |
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Banking facilities to the visually challenged
RBI / 2007-08 / 358
DBOD.No.Leg BC. 91 /09.07.005/2007-08
June 4, 2008
To
All Scheduled Commercial Banks
(excluding RRBs)
Dear Sir,
Banking facilities to the visually challenged
It has been brought to our notice that visually challenged persons are facing problems in availing banking facilities. It may be noted that banking facilities including cheque book facility / operation of ATM / locker etc. cannot be denied to the visually challenged as they are legally competent to contract.
2. It may be recalled that in the Case No. 2791/2003, the Honourable Court of Chief Commissioner for Persons with Disabilities had passed Orders dated 05.09.2005 which was forwarded by IBA to all the member banks vide their circular letter dated October 20, 2005. In the above Order, the Honorable Court has instructed that banks should offer all the banking facilities including cheque book facility, ATM facility and locker facility to the visually challenged and also assist them in withdrawal of cash. Further, in Para 14 of the above Order, the Honorable Court has observed that visually impaired persons cannot be denied the facility of cheque book, locker and ATM on the possibility of risk in operating / using the said facility, as the element of risk is involved in case of other customers as well.
3. Banks are therefore advised to ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, Net banking facility, locker facility, retail loans, credit cards etc. are invariably offered to the visually challenged without any discrimination. Banks may also advise their branches to render all possible assistance to the visually challenged for availing the various banking facilities.
Yours faithfully
(Prashant Saran)
Chief General Manager-in-Charge
https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=4226&Mode=0
[Note: I have doubt regarding the applicability of this notification for blind persons, because there is a difference between visually impaired (having greatly reduced vision) and blind (unable to see)]
anand
(Legal Compliance Officer)
(119 Points)
Replied 31 December 2011
There are lots of chances to commit fraud and how a bank can arrange ATM facilities to them, coz we dont have ATMs in braille, moreover if any one else goes to assist him/her, the bank will not permit such assistance due to its customer security norms.
CAclubindia
