Bank not giving details of lost FD, what legal action can be taken?

793 votes

An application would be possible if you have at least the FD receipt and/or its number to obtain a duplicate. Besides, are you a nominee to the FD or are you the sole legal heir in case he is no more? Do share more details.

Advocate Joydeep Nath LawRato

511 votes

You should know the details of FD you are seeking to find with the bank. Otherwise it will be difficult for you to convince the bank.

RTI format
To,
The Public information Officer ________________________ ____________________________ ____________________________ PIN: _______________________
Sir,
Subject: Request for Information under Right to Information Act 2005.
I Sri/Smt/Ms. __________________________________________________________ Son/Daughter/wife of Shri/Smt/Ms. __________________________________________
resident of ______________________________________________________________, telephone number (with STD Code) ____- _____________________ and/or mobile number: ______________________________ wish to seek information as under
---------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------
I hereby inform that following formalities have been completed by me:
1. That I have deposited the requisite fee of Rs. _____/- by way of Cash / banker cheque / Draft / Postal Order/ others ___________________ ) favoring __________________________________ dated ________________.
2. I need the photocopy of the documents and I had deposited the cost of the photocopy of Rs. ____/- for _____ (Number of Pages)
or
3. I had deposited sum of Rs. _____/- for the charges of CD. (strike out which ever is not applicable)
4. That I belong to Category of below Poverty Line (BPL): Yes / No
(Strike whichever is not applicable). If yes, I am attaching the valid photocopy of the certificate. Yes / No
5. That I am ‘Citizen’ of India and I am asking the information as ‘Citizen’.
6. I assure that I shall not allow/ cause to use/ pass/share/display/ or circulate the information received in any case and under any circumstances, with any person or in any manner which would be detrimental to the Unity and Sovereignty or
against the Interest of India.
Signature of the Applicant Dated:

Advocate Shekhar Raj Sharma LawRato

737 votes

As per sec 3 of Right to Information 2005 Act provides the right to ask the query from the Bank.
As per your case you can ask in written from the bank about the FD of your grandfather on the specimen prescribed by bank. Every bank have CERTIFIED PUBLIC OFFICER who deals these casea. These officer has liability to reply with 30 days of tje application by customer.
You have to pay a fees along with all the information related to the account number of your grand father, appropirate time to create the Fixed Deposit. It would become the valid proof for you and you can induce the Bankers to resove your problems.
Rajul Jain

Advocate Rajul Jain LawRato