बैंकिंग लोकपाल योजना

baiankiang lokapal yojana baiankoan dvara pradan ki jane vali katipay sevaoan se sanbandhit shikayatoan ke samadhan mean sahayata pradan karane aur in shikayatoan ke santoshajanak hal athava nipatan karane ke uddeshy se praranbh ki gee hai. isake antargat ek 'baiankiang lokapal' ki niyukti ki jati hai, jo ek ardh-nyayik pradhikari hai. vaise to 'baiankiang lokapal yojana' 1995 mean lagoo ki gee thi, lekin 2002 evan 2006 mean is yojana ka dayara badhate hue sanshodhan kie ge, taki baiankoan dvara svachchh, paradarshi, bhedabhav rahit aur jimmedari poorvak baiankiang sevaean pradan ki ja sakean.

svashasi svatantr sanstha

yah ek svashasi svatantr sanstha hai, jo baiankoan dvara pradan ki gee sevaoan ki nigarani rakhati hai. grahak kisi bhi baiank ke adhikari v karmachari ki shikayat v samay se sevaean n milane par baiankiang lokapal ko shikayat dak, ee mel, aaunalain darj kara sakata hai. ni:shulk ki jane vali is shikayat ka nistaran tis din ke aandar kiya jata hai. grahakoan ki suvidha v baiankoan mean paradarshita lane ke lie yah yojana sanchalit hai.

shikayat darj karana

kisi baiank ke khilaf baiankiang lokapal ke pas shikayat darj karane se pahale grahak ko sanbandhit baiank mean likhit shikayat karani hogi aur usake javab ke lie kam-se-kam 30 din iantajar karana hoga. agar grahak ko baiank se koee samadhan nahian milata hai, tab in halat mean use yah yad rakhana chahie ki sanbaddh baiank mean likhit shikayat karane ki tarikh se lekar ek sal tak ki avadhi tak hi apani shikayat baiankiang lokapal ke pas darj kara sakate haian. grahak apani shikayat niyamit dak ke jariye bhi kar sakate haian. baiankiang lokapal se shikayat karane ka ek nishchit praroop hota hai, lekin grahak apani shikayat bahut saral bhasha mean bagair kisi ph aaurmet ka anukaran kie hue kar sakate haian. shikayat darj karane ke lie kisi prakar ka shulk ada karane ki zaroorat nahian hoti hai.

grahak baiankiang lokapal mean apani shikayat ee-mel ke jariye bhi darj kara sakate haian. baiankiang lokapal grahak ki shikayat par tab vichar nahian karega, jab usane baiank mean shikayat darj karane karane ki tarikh ke bad ek sal se jyada ka samay gujar diya ho. agar grahak sanbandhit baiank mean shikayat darj karae bagair hi baiankiang lokapal ke pas apani shikayat lekar jate haian, tab avedan par vichar nahian kiya ja sakata. agar grahak ki shikayat par upabhokta phoram ya upabhokta nyayalay adi mean vichar kar liya gaya hai aur samadhan de diya gaya ho, tab bhi grahak ke avedan ko kharij kiya ja sakata hai. baiankiang lokapal 10 lakh rupaye se kam ki lagat ke maudrik muddoan par apana phaisala de sakata hai, lekin yadi grahak ki shikayat mean 10 lakh rupaye se jyada ka dava banata hai, tab vah apake avedan ko kharij kar sakata hai.

shaktiyaan aur adhikar kshetr

1. rizarv baiank yojana ke khand 4 ke antargat niyukt baiankiang lokapal ke lie kshetr ki sima nirdisht karega.
2. baiankiang lokapal khand 8 mean ullikhit adhar par darj ki gee baiankiang athava any sevaoan mean kamiyoan se sanbandhit shikayatean prapt karega tatha un par vichar karega aur unaka santoshajanak hal nikalega tatha sanbandhit baiank aur pi dit paksh ke bich karar athava samayojan tatha madhyasthata se nipatara karega athava yojana ke anuroop nirnay dega.
3. baiankiang lokapal ka apane karyalay par samany adhikshan aur niyantran rahega tatha vahaan sanchalit kamakaj hetu vah uttaradayi rahega.
4. baiankiang lokapal rizarv baiank se paramarsh karate hue apane karyalay ke lie varshik bajat taiyar karega tatha anumodit bajat sima ke bhitar hi bharatiy rizarv baiank vyay niyamavali, 2005 ke anusar apani vyay sanbandhi shaktiyoan ka prayog karega.
5. baiankiang lokapal , pratyek 30 joon ko rizarv baiank ke gavarnar ko ek riport bhejega, jisamean poorvavarti vittiy varsh ke dauran usake karyalay ki gatividhiyoan ki samany samiksha ke atirikt rizarv baiank dvara yatha-nirdisht any janakari bhi rahegi. yadi rizarv baiank dvara janahit mean yah avashyak samajha jae ki baiankiang lokapal se prapt riport tatha soochana ko samekit roop mean ya anyatha prakashit kiya jae, to vah (bharatiy rizarv baiank) use prakashit karega.

panne ki pragati avastha

adhar

prarambhik

madhyamik

poornata

shodh