Lok Sabha Question No. 978 (UNSTARRED), answered on 2021-02-08
Subject: Illegal Banking Charges
Ministry: FINANCE
Asked by: Pratima Bhoumik, Sumedhanand Saraswati

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 978

TO BE ANSWERED ON THE 8th FEBRUARY , 2021 MAGHA 19, 1942 (SAKA)

## Illegal Banking Charges

978. Ms. PRATIMA BHOUMIK: SHRI SUMEDHANAND SARASWATI:

Will the Minister of FINANCE be pleased to state:

- (a) whether it is a fact that in the last 10 months, the Government has received around 4 lakh complaints with regard to unlawful charges on Debit;, Credit Card and banking and if so, the details thereof and the action taken by the Government; month-wise and bank-wise; poor
- b) whether between 1st March, 2020 to December, 2020 the Government has received more than thousand complaints against banks and 2100 complaints against NBFCs with regard to moratorium violation cases and if so, the details thereof and the action taken by the Government the banks and NBFCs, bank-wise; and against
- (c) whether the Government has made amendment in audit rules for banks and if the details thereof and the reasons therefor? SO,

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI ANURAG SINGH THAKUR)

- (a): No, Sir: Month-wise and bank-wise details of receipt and disposal of complaints
- (b): Bank-wise details are given in Annexure-II.
- (c) The Reserve Bank of India, being the regulator; issues necessary rulesldirections to banks from time t0 time.

## Annexure a8 referred to in part (a) of the reply to Lok Sabha Unstarred Question No: 978 for 08.02.2021 Month-wise and bank-wise detaiis of receipt and disposal of complaints in the laet 10 months (1st March, 2020 to 31st December, 2020):

| Month   | No_ comelatnts   |     |       | Cenar Bank   | 0t India   | Indlan Bank   |   Bank | Bank   | Punjb & Sind Buk   | 40 Suto Bank o Indh   | 41 UCO Bank   | 42 Unlon Bank ot Indla   | 43   | 14    | TOTAL       |
|---------|------------------|-----|-------|--------------|------------|---------------|--------|--------|--------------------|-----------------------|---------------|--------------------------|------|-------|-------------|
| Mar-z0  |                  |     | 1683  | 305          | 4951       |               |   1872 | 697    |                    | 3038                  |               | 1036                     |      | 817   |             |
|         | Disposed         |     | 1363  | 305          |            |               |   1739 | 697    |                    | 3042                  |               | 1036                     | 22   | 817   | 9197        |
| Apr-z0  | Received         |     | 2459  | 268          | 392        |               |    805 | 845    |                    | 3233                  |               | 918                      | 26   | 700   | 8743        |
|         | Diepobed         |     | 1937  | 268          | 392        | 13            |    630 | 845    | 16                 | 3360                  |               | 918                      | 26   | 700   | 8991        |
| May-zo  | Recaived         | 36  | 2529  | 389          | 503        |               |   1332 | 686    | 30                 | 3609                  |               | 1033                     | 34   | 889   |             |
|         | Dispoeed         | 36  | 2142  | 389          | 503        |               |   1060 | 636    | 30                 | 3678                  |               | 1033                     |      |       |             |
| Jun-20  |                  |     | 2061  | 446          | 605        |               |   2361 | 590    | 19                 |                       | 10            |                          |      | 912   | 9582        |
|         | Dieposad         |     | 1919  |              | 6051       |               |   1878 | 590    |                    | 3067                  | 10            | 1406                     |      | 912   |             |
| Jul-z0  | Rocoived         |     | 3045  |              | 647        |               |   3255 | 734    | 76                 | 4270                  | 10            | 1671                     | 25   | 1012  |             |
|         | Disposod         |     | 2596  |              | 647        |               |   2552 |        |                    | 3960                  | 10            | 1671                     | 25   |       |             |
|         | RRecaived        |     | 3055  | 618          | 542        |               |   4365 | 1368   |                    | 3624                  |               | 2161                     | 33   | 876   | 17351       |
|         | Disposod         | 701 | 2734  | 618          | 542        |               |   3497 | 1358   |                    | 3581                  |               |                          | 33   | 818   | 15861       |
|         |                  | 143 | 2704  | 791          | 649        |               |   3907 | 1390   |                    | 4033                  |               | 1729                     |      | 1033  | 14629       |
|         | DDiepoted        | 143 | 2415  | 791          | 649        |               |   2788 | 1390   |                    | 3949                  |               | 1729                     |      | 913   | 15460       |
| Oct-zo  | Recived          | 113 | 3226  | 1725         | 499        |               |   4036 | 1593   |                    | 4087                  |               | 1743                     |      | 1249  | 13908-      |
|         | Disposed         |     | 2722  | 1725         | 493        |               |   3431 | 1593   |                    | 3662                  |               | 1743                     | 30   | 1063  | 17065       |
| Nov-z0  | Received         | 81  | 2377  | 1201         | 527        |               |   3138 | 902    |                    | 3915                  |               | 1405                     | 28   | 1051  | 15531 13586 |
|         | Disposed         |     | 1863  | 1201         | 527        |               |   2585 |        | 29                 | 3322                  |               | 1405                     | 28   | 775   |             |
| Doc-z0  | Recaived         | 147 | 2495  | 3624         | 581        |               |   3481 | 1265   | 36                 | 4377                  |               | 3047                     | 39   | 1153  | 11941       |
|         | Disposed         | 146 | 2294  | 3624         |            |               |   2697 | 1160   | 36                 | 5176                  |               | 3047                     | 38   | 714   |             |
|         | Total Recelved   | 259 | 25634 |              |            |               |   2552 |        | 339                |                       |               | 16149                    | 324  | 9592  | 18774       |
|         |                  |     |       | 97           |            |               |  22857 | 9945   | 239                | 2619                  |               |                          | 324  | ese8] | 124462      |

~Data relates to other Banks and NBFCs

Annexure as referred to in part (b) of the reply to Lok Sabha Unstarred Question No. 978 for 08.02.2021 Bank-wise details of complaints received during 1st March, 2020 to 31st December, 2020 regarding moratorium violation cases\_in \_Public Sector Banks and disposal thereof

|          |             | 2               | 3         |      | 5                  | 6               |                      | 8                    | 9                | 10       | 11   | 12         | 13                              |      |
|----------|-------------|-----------------|-----------|------|--------------------|-----------------|----------------------|----------------------|------------------|----------|------|------------|---------------------------------|------|
|          | Bank Baroda | Bank Bank Indla | Maharasht | Bank | Contral Bank Lndia | IIndian oflBank | Indian Overseas Bank | Punjab Natlonal Bank | Punjab Sind Bank | of India |      | Union Bank | Natlonal TTotal oflHousing Bank |      |
| Received | 59          |                 | 52        | 2761 |                    |                 | 13                   | 119                  | 21               |          | 71   |            | 1171                            | 1918 |
| Disposed | 59          |                 | 52        |      |                    |                 | 13                   |                      | 21               |          | 71   |            | 1171                            |      |

| Reserve Bank of Indla   | Reserve Bank of Indla                                                                                                                       |
|-------------------------|---------------------------------------------------------------------------------------------------------------------------------------------|
| Received                | zo25]These grlevances relate to Covid-19 issues and include moratorium violation" related Issues; segregated data for "moratorium vlolatlon |
| Disposed                |                                                                                                                                             |