I logged on to HDFC Bank website and spent over 30 minutes to search the link for filing an RTI Application against the bank for wrongfully debiting DEMAT account charges. I had never asked for a demat account in the first place. I later learnt from some other info on the google that Private Banks do not come under the ambit of RTI Act. Is it so? If so , how do get redressal for wrongful debit of DP charges. They are now accusing me (my son) of signing the papers for opening of an account and are now throwing a bait stating they will reimburse one month's charges. It appears they are giving out alms to the poor on the day of Ramzan.
Yes. You are right. Private banks does not fall under the ambit of RTI Act.

You should have filed the complaint to the Nodal Officer of the Bank and then escalated it to the Banking Ombudsman level.

However, (you may not like this), if you or your son had signed on the form without even reading it, then the responsibility falls flatly on you or your son. Also RTI is not meant for addressing customer grievances.
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