Appeal No. CIC/MP/A/2014/001775. Case: Abhishek Mawle Vs State Bank of India. Central Information Commission

Case Number:Appeal No. CIC/MP/A/2014/001775
Party Name:Abhishek Mawle Vs State Bank of India
Counsel:For Respondents: S.S. Patee, AGM, H. Prasad, Chief Manager (Law), M. Piraviperumal, RM and K. Bhaskaran
Judges:Manjula Prasher, Information Commissioner
Issue:Right to Information Act
Judgement Date:June 23, 2015
Court:Central Information Commission
 
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Order:

Manjula Prasher, Information Commissioner

  1. The appellant, Shri Abhishek Mawle, submitted RTI application dated 10.04.2014 before the Central Public Information Officer (CPIO), State Bank of India, Hyderabad seeking copy of insurance policy "SBI Shield" covering the lives of the "joint borrower" for education loan account No. 30102868661 as per terms and conditions mentioned in the arrangement letter cum loan sanction letter dated 27.12.2006.

  2. The CPIO vide letter dated 08.05.2014 informed the appellant that there was no stipulation in the arrangement letter for obtaining insurance policy (SBI Shield) covering the lives of the joint borrowers for education loan. Dissatisfied with the reply of the CPIO the appellant filed an appeal on 28.05.2014 before the first appellate authority (FAA). The FAA had not adjudicated on appellant's first appeal till the date of filing the present appeal before the Commission.

  3. Thereafter the appellant filed the present appeal before the Commission.

  4. The matter was heard by the Commission. The appellant stated that he had obtained an education loan from SBI for pursuing Master's education. He along with his father were joint borrowers for the education loan. Among other documents, he and his father also executed an arrangement letter cum loan sanction letter along with terms and conditions dated 27.12.2006. Point No. 6(2a) of the said letter under sub heading SBI Life Yearly Premium reads "SBI Life Yearly Premium to be debited to loan account. The appellant requested the respondents to provide copy of the insurance policy "SBI Shield" covering the lives of the "joint borrowers" for education loan which the CPIO stated that there was no stipulation for obtaining of insurance policy covering the lives of the joint...

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