Please help me sir,

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Ravi Shetty

Article

47 Points Posted on 31 March 2011

Please help me, I am Ravi from mumbai. I have two accounts in vijaya bank one from mumbai and another is in my native branch (mangalore). I deposit my salary cheque in my mumbai branch last month (Feb).but the bank credit twice a time to my SB account . After some time i transfer money to another branch in mangalore i am not aware of the same, after some time bank inform me that double credit of my account and same amount re-imbured me to them from my another account. Just last week i got the call from mumbai head office regarding the credit entry in your account. they tell me that we are going to deduct TDS on the amount credited to you accout. I convence them but they are insist me to come mumbai But now i am in my native due to my personel problem. It is very lendhy process to recover the TDS amount from IT Ofice couse my Gross income not exceding exumption ltd. Pls hep me in this regards, if they deduct TDS amount can i book the RTI against them Or tell me any other means
Thanks In Advance

Replies (2)

vasudevan

376 Points Posted on 31 March 2011

Dude...First of all, it appears that Vijaya Bank, Mumbai branch has made a mistake of crediting twice the cheque amount and now they are trying to confuse you .

Why the bank has to deduct TDS on the credit amount? They can deduct tax only on the Interest credited to your account, that too, if it exceeds 10,000. Ask the banker, under which Section of the Income-tax Act they are deducting tax.

It is their mistake that they have credited your account with more than the cheque amount. And you have reimbursed the same to the Mumbai branch, so that account is now clear, right?
First talk to the bankers to settle the issue. Else, I think instead of going thro RTI, its better to go through bank ombudsman. You can send a mail to them informing the mental agony / inconvenicen caused to you, because of the deficiency in their service. Alternatively, you can send a mail to grievancesredressalcell @ vijayabank.co.in by copying the bank ombudsman or any higher official, clearly stating the facts.

Do not panic. This is a small issue and you can handle it smoothly.

Mohit Gangele

ACCOUNTS EXECUTIVE

134 Points Posted on 31 March 2011

Originally posted by : vasudevan
	Dude...First of all, it appears that Vijaya Bank, Mumbai branch has made a mistake of crediting twice the cheque amount and now they are trying to confuse you . Why the bank has to deduct TDS on the credit amount? They can deduct tax only on the Interest credited to your account, that too, if it exceeds 10,000. Ask the banker, under which Section of the Income-tax Act they are deducting tax. It is their mistake that they have credited your account with more than the cheque amount. And you have reimbursed the same to the Mumbai branch, so that account is now clear, right? First talk to the bankers to settle the issue. Else, I think instead of going thro RTI, its better to go through bank ombudsman. You can send a mail to them informing the mental agony / inconvenicen caused to you, because of the deficiency in their service. Alternatively, you can send a mail to grievancesredressalcell @ vijayabank.co.in by copying the bank ombudsman or any higher official, clearly stating the facts. Do not panic. This is a small issue and you can handle it smoothly.