The CIC clarified that the law does not put any restriction on the public authorities or PIOs to which the RTI application could be transferred. This is the 108th in a series of important judgements given by former Central Information Commissioner Shailesh Gandhi that can be used or quoted in an RTI application
The Central Information Commission (CIC), while allowing an appeal, ruled out the contention of the Public Information Officer (PIO) of the Cabinet Secretariat that a Right to Information (RTI) application can only be transferred to one PIO as per the circular from the Department of Personnel & Training (DOPT).
While giving this judgement on 16 June 2011, Shailesh Gandhi, the then Central Information Commissioner said, “If the records and operations were computerized, transferring an RTI application to even 50 or 100 public authorities could be done with a click of mouse or by email. If public authorities do not meet commitments implied in the RTI Act, the citizen cannot be denied his fundamental right.”
Mumbai resident Chetan Kothari, on 23 October 2009, sought information about consumption of petrol and diesel by state ministers and cabinet ministers including the leader of the opposition and staff from the Public Information Officer (PIO) of the Lok Sabha Secretariat. Here is the information he sought under the RTI Act...
a) Please provide the details. Name-wise break up of state ministers and cabinet ministers of the central government petrol & diesel consumption and amount with opposition party leader.
(b) Please provide the details of each state minister and cabinet minister of the central government (Name-wise break up) how many cars.
(c) Please provide the details of each state minister and cabinet ministers of the central government each of them how many staff provided. (Give name-wise ministers break up)
On 27 September 2010, the PIO of Lok Sabha Secretariat transferred the RTI application to PIO of Cabinet Secretariat and PIO of Leader of Opposition.
The PIO of the officer of the Leader of Opposition, on 4 October 2010 provided the following information...
“The staff car to Leader of Opposition in the Lok Sabha is provided by Lok Sabha Secretariat and accordingly, all matters/ records relating to the maintenance/ running, including the expenditure on petrol/ diesel, etc of the car are being dealt/ maintained by the concerned branch of Lok Sabha Secretariat. The information required by the applicant is not available in the office of Leader of Opposition in Lok Sabha and hence the CPIO is not in a position to give the required information to the applicant.
It is, therefore, requested that the CPIO, Lok Sabha Secretariat give the information directly to the applicant. The application forwarded with the OM dated 27 September 2010 is returned herewith."
On 12 October 2012, the PIO of the Cabinet Secretariat provided following information in respect with the queries of Kothari...
“2. The information sought is scattered among a large number of public authorities, including Central Government Ministries/ Departments. Therefore, in terms of the provisions contained in O.M. No. 1012/2008-IR dated 12.6.2008 issued by Ministry of Personnel, Public Grievances & Pensions (Department of Personnel & Training), you are required to file separate applications with the CPIOs of each of the Ministries/Departments concerned individually, for obtaining the required information.
3. In so far as the Cabinet Secretariat is concerned, the information may be treated as NIL."
On 29 October 2010, the PIO of Lok Sabha Secretariat gave a reply stating that no information was available.
Kothari then filed his first appeal. The First Appellate Authority (FAA) after carefully considering all the relevant documents, upheld the decision of CPIO as referred in para 2 above and direct the CPIO to provide a copy of list of ministries/ departments which contains the office addresses of the public authority, within 10 working days.
Citing information not provided as well as the Secretariat not complying with Section 4 of the RTI Act, Kothari then approached the CIC. In his second appeal before the Commission, he submitted that...
(1) CPIOs did not transfer application within the stipulated period as per provision under Section 6 (3) & delay inform to applicant.
(2) Applicant was unable to send same application to 85 department of Central Govt which is waste of time & money.
(3) Applicant sent RTI application to nodal CPlOs of 'Lok Sabha Secretariat' because that department provide car, staff etc to opposite party leader.
(4) CPIOs violated the RTI Act & holding the information but misleads to applicant & wasting the public money & time & increasing the work load for higher authority.
(5) CPIOs failure to Act according to under provision of Section 4(3) for the purposes of sub-section (1), every information shall be disseminated widely and in such form and manner which is easily accessible to the public. Also CPIOs failure to act according to under provision of Section 5(3) & (4).
(6) PIO's failure to Act according to under provision of Section 2(f), 4(1)d & 5.
To support his submission Kothari quoted two orders from the high courts.
(1) It will be in context to quote the observation made by the division bench of the Delhi High Court in LPA 501/2009, pronounced on 12.1.2010 (matter relating to asset declaration of judges of the apex court):
The Act does not merely oblige the public authority to give information on being asked for it by a citizen but requires it to suo moto make the information accessible. Section 4(1)(a) of the Act requires every public authority to maintain all its records duly catalogued and indexed in a manner and the form which facilitates the right to information under the Act and ensure that all records that are appropriate to be computerized are, within a reasonable time and subject to availability of resources, computerized and connected through a network all over the country on different systems so that access to such records is facilitated. Section 4 spells out various obligations of public authorities and Sections 6 and 7 lay down the procedure to deal with request for obtaining in formation.
(2) In fact the Madras High Court even went a step further and stated that administrative difficulties and shortage of manpower cannot be cited as reasons for denying information. While dismissing WP No. 20372 of 2009 and MP No. 1 of 2009, in a Judgment dated 7.1.2010, the court ruled:
The other objections that they are maintaining a large number of documents in respect of 45 departments and they are short of human resources cannot be raised to whittle down the citizens' right to seek information. It is for them to write to the government to provide for additional staff depending upon the volume of requests that may be forthcoming pursuant to the RTI Act. It is purely an internal matter between the petitioner archives and the state government. The right to information having been guaranteed by the law of Parliament, the administrative difficulties in pro v/ding information cannot be raised. Such pleas will defeat the very right of citizens to have access to information. Hence the objections raised by the petitioner cannot be countenanced by this court. The writ petition lacks in merit."
During the hearing Mr Gandhi, the then CIC, noted that the appellant had sought the information for a period of 10 years, which he felt appeared excessive, since it was unlikely that information would be maintained in this format for 10 years.
While the PIO of the Lok Sabha Secretariat transferred the RTI application to the PIO of Cabinet Secretariat and to the PIO of the office of Leader of Opposition, both the PIOs did not provide any information stating that they do not have it.
During the hearing, the PIO of Cabinet Secretariat took a position that he cannot transfer the RTI application to PIOs of various ministries. He was depending on an office memorandum issued by Department of Personnel & Training (DOPT) no10/ 02/ 2008-IR dated 12 June 2008 which states that Section 6(3) of the RTI Act mentions public authority in the singular and therefore the RTI application can only be transferred to one public authority as per the RTI Act.
Kothari, the appellant, disputed this claim and stated that the RTI application should have been transferred wherever required. He also quotes a Madras High Court Judgment in support of his contention.
Section 6(3) of the RTI Act states,
"Where an application is made to a public authority requesting for an information,-
(i) which is held by another public authority; or
(ii) the subject matter of which is more closely connected with the functions of another public authority, the public authority, to which such application is made, shall transfer the application or such part of it as may be appropriate to that other public authority and inform the applicant immediately about such transfer:
Provided that the transfer of an application pursuant to this sub-section shall be made as soon as practicable but in no case later than five days from the date of receipt of the application."
The Commission said the point to be determined was whether Section 6(3) means that the transfer should only be made to one public authority or to multiple public authorities, if required.
Section 13 of the General Clauses Act, 1897 stipulates inter alia that in all central legislations and regulations, unless there is anything repugnant in the subject or context, words in the singular shall include the plural, and vice versa.
Section 13 of the General Clauses Act, 1897, enacts a general rule of construction that words in the singular shall include the plural and vice versa but the rule is subject to the proviso that there shall be nothing repugnant to such a construction in the subject or context of the legislation which is to be construed.
"This principle of law has been well- established and applied by the Supreme Court of India from time to time viz. in K Satwant Singh v/s State of Punjab 1960 SCR (2) 89, Narashimaha Murthy v/s Susheelabai & Ors AIR 1996 SC 1826 and J Jayalalitha v/s UOI & Anr AIR 1999 SC 1912, as well as by several high courts while interpreting various statutory provisions," the CIC pointed out.
Mr Gandhi noted that there is nothing in the Act which would show that Parliament intended that the transfer should only be to one public authority. “It also appears that DoPT's office memorandum is in contravention of the General Clauses Act 1987 and interpreted Section 6(3) of the RTI Act wrongly. The whole purpose of the RTI Act has been to facilitate flow of information to the Citizens,” he said.
The CIC said, "In this case, the Lok Sabha Secretariat was not aware who would hold the information being sought by the appellant. The law does not put any restriction on the public authorities to which the RTI application could be transferred. The Commission does believe that an appellant should seek information from a public authority, which he can reasonably believe may have the information. In the instant case the appellant appears to have exercised reasonable care and applied and to a public authority which an average citizen may believe will hold the information.”
There are numerous instances where RTI applications have been transferred by one public authority to another and none of them appears to know where the information is. In this scenario for public authorities to take a position that they will only transfer to one public authority is unreasonable and the law certainly does not state this, the Commission said.
While allowing the appeal, Mr Gandhi said, "Public Authorities claim that it would be difficult to transfer RTI applications to multiple authorities since it would mean putting a lot of resource. The Commission rules that DOPT's office memorandum no10/ 02/ 2008-IR dated 12 June 2008 is not consistent with the law. The Commission explained to the appellant that seeking information for 10 years would definitely disproportionately divert the resources of the public authorities. He has agreed that information could be furnished to him for the last two years."
The Commission then directed the PIO to transfer the RTI application to various public authorities before 25 June 2011, who must provide information for the last two years to Kothari as per the provisions of the RTI Act.
CENTRAL INFORMATION COMMISSION
Decision No. CIC/SM/A/2011/000278/SG/12906
Appeal No. CIC/SM/A/2011/000278/SG
Appellant: : Chetan Kothari
Mumbai 400 026
Respondent: : KJ Sibichan
Under Secretary & CPIO
In an Open House session in Mumbai, RBI’s Deputy Governor openly agreed with Moneylife Foundation’s stance that banks should not sell non-banking products like wealth management services, insurance and gold
At a Moneylife Foundation’s open house attended by a packed audience in Mumbai, deputy governor of Reserve Bank of India (RBI) Dr KC Chakrabarty said, "My view is that banks should not be selling third party products. In fact, life insurance has been in India since independence, but till 1994-95 there were no banks selling insurance or mutual fund products. I fully support that the regulator must decide what is mis-selling. It must decide that if the bank is selling insurance products, what should be the conditions required to be fulfilled.”
Dr Chakrabarty was responding to Moneylife Foundation’s appeal that banks should not be allowed to sell third-party or non-banking products like is insurance, gold and mutual funds because they are untrained to so do and do not take responsibility of the outcome in any manner.
In the foreword to the Annual Report on the Banking Ombudsman Scheme 2011-12, Dr K C Chakrabarty writes, “The incentive structures governing sale of different financial products and services tend to result in mis-selling. It is frightening to imagine a situation where the front line staff at banks may be more interested in pushing insurance and para-banking products instead of promoting core banking products.”
Dr Chakrabarty further says, “The role of the top management of banks becomes very crucial in formulating product and service delivery and pricing strategies with a clear focus on fair treatment of customers, appropriate disclosure of product features and risks and suitability of ‘sell’ for different segments of customers.”
On 18 April 2013 Moneylife Foundation had presented a memorandum to RBI Governor (http://foundation.moneylife.in/?page_id=2000) on unchecked mis-selling by bank relationship managers. It says, “Banks’ relationship managers have been particularly brazen in recommending financial products to their customers while completely disregarding their financial situation. It is commonplace to hear of a senior citizen being conned into investing in a mutual fund, unit-linked insurance plan or a hybrid-derivative product on the promise of higher returns. In many cases, private bank executives go over to their homes and persuade them to break secure fixed deposits and invest the money in Unit Linked Insurance Products (ULIPs) with the false assurance that these are as safe as fixed deposits and offer a higher return and security.”
Moneylife had highlighted the case of Ms Suchitra Krishnamoorthi, a well-known singer and actor, who was taken for a ride by HSBC Bank for over five years. The modus operandi for HSBC in this case has been a combination of toxic churning of the portfolio management system (2% entry load on every purchase made by it on behalf of client), insurance products promising 24% returns, insisting her on taking a loan instead of withdrawing funds without even disclosing that the client was entitled for a smart loan.
A strong campaign by Moneylife through its website and its social media properties got quick justice for a 79-year old man with an ailing wife. IndusInd Bank officials had deceitfully persuaded him break his fixed deposit with the bank and invest in a wrong product. The bankers came—at 11.30 in the night—bearing a demand draft of Rs7 lakh covering the amount he was persuaded to withdraw from his fixed deposit and invest in DWS’s mutual fund scheme with a five-year lock in period.
RBI’s new guidelines to regulate banks’ wealth management operations and third party product distribution would be released by the end of June. It also aims to strengthen the know your customer (KYC) norms, anti-money laundering (AML) standards and rules to combat financing of terrorism.
RBI said that banks offering wealth management services were exposed to reputational risks on account of mis-selling of products, conflict of interest, lack of knowledge and clarity on products and frauds. Bank employees were receiving incentives from third parties for selling their products. Such practices may lead to mis-selling and distortion of the staff incentive structure.
Mukesh Ambani had in the last Annual General Meeting announced an investment of Rs1,00,000 crore over 4-5 years, which has now been expanded to Rs. 1.5 lakh crore and time compressed to 3 years
Reliance Industries (RIL) on Thursday announced an investment of Rs1.5 lakh crore in core business of petrochemicals and oil and gas as well as in retail and telecom sectors in the next three years.
Addressing company shareholders, RIL chairman and managing director Mukesh Ambani said, “Reliance has embarked upon its largest investment programme in its history.”
The investments span oil and gas exploration and production, refining and marketing, petrochemicals, retail and broadband and digital services, he said.
RIL is aiming to be “among top five petrochemical producers in the world,” he said adding the petrochem capacity is being expanded to 25 million tonnes from 15 million tonnes per year.
Mr Ambani had in the last Annual General Meeting (AGM) announced an investment of Rs1,00,000 crore over 4-5 years, which has now been expanded to Rs. 1.5 lakh crore and time compressed to 3 years.
While RIL’s partnership with UK’s BP has started delivering results with a significant gas discovery being made 2-km below the currently producing fields in KG-D6 block, the company is now looking at quickly bringing into production satellite fields in the flagging block and nearby areas.
Also, it is looking at beginning production from its Sohagpur coal-bed methane (CBM) blocks in Madhya Pradesh by 2015, he said.
While Mr Ambani did not give a roadmap for launch of telecom services, he said the telecom business unit will increase headcount to 10,000 next year from 3,000 currently.
The unit, Reliance Jio Infocomm, is the only company to have nationwide permits for 4G broadband services, but is yet to start commercial services.
“We are making these investments at a time when the global economy is facing one of its most challenging period in modern times. Most of economies are faced with slowdown, high unemployment and lack of visible growth triggers,” he said.
“Reliance is making significant investment in all five businesses simultaneously — exploration and production, petroleum refining and marketing, petrochemical, retail and broadband and digital services,” Mr Ambani said.
Mr Ambani said 4G telecom services would be pillared on “affordability and providing an unparallel range of services that do not exist today.”
“In the coming years Reliance Jio’s next generation digital infra and services platform will catalyse a transformation and will embrace almost every facet of India’s economic growth and social progress,” he said.
He said revenues for RIL’s investments in US shale gas ventures have doubled.
RIL’s retail business has crossed Rs10,000 crore revenue and has achieved break-even.