What is Right to Information Act?

The Government of India enacted “Right of Information Act 2005” for Indian citizen to secure access to information under the control of Public Authorities for the purpose of transparency and accountability in the working of any public authority.

What is Right to Information?

“Right of information” means the right of information accessible under this Act which is held by or under the control of any public authority and includes the right to inspection of work, documents, records, taking notes, extracts or certified copies of documents or records; taking certified samples of material; obtaining information in the form of diskettes, floppies, tapes, video cassettes or in any other electronic mode or through printouts where such information is stored in a computer or in any other device.

The Information that is Exempt From Disclosure :

Under Section 8 and 9 of the Act certain categories of information is exempted from disclosure to citizens. The members of public are expected to take reference of relative sections of the Act, before submitting any request for information.

Who Can Ask For Information :

Any Indian citizen who desire to obtain any information may apply in writing or through electronic means in English or in Hindi or in the official language of the area accompanying such fee as prescribed.

The prescribed fee is as under :

A request for obtaining information under sub-section (1) of Section 6 of the Right to Information Act,2005 [hereinafter referred to as “the Act”] shall be accompanied by an application fee of 10/- [Rupees Ten only] by way of cash against proper receipt or by a Demand Draft or Bankers Cheque or Postal Order payable to the “Rajasthan Marudhara Gramin Bank” .

For providing the information under sub-section (1) of Section 7 of the Act, the fee shall be charged by way of cash against proper receipt of by a Demand Draft of Bankers Cheque or Postal Order payable to the “Rajasthan Marudhara Gramin Bank” at the following rates:

  • 2/- (Rupees Two only) for each page (in A-4 or A-3 size paper) created or copied;
  • Actual charge or cost price of a copy in large size paper;
  • actual cost or price for samples or models; and
  • for inspection of records, no fee for the first hour, and a fee of 5/- (rupees five only) for each fifteen minutes (or fraction thereof) thereafter.

For providing the information under sub-section (5) of section 7 of the Act, the fee shall be charged by the Rajasthan Marudhara Gramin Bank at the following rates :-

  • for information providing in diskette or floppy 50/-(Rupees fifty only) per diskette or floppy; and
  • for information provided in printed form at the price fixed for such publication or 2/-(Rupees two) per page of photo copy for extracts from the publication.

However, no fee is to be charged from the person who is below the poverty line as may be determined by the appropriate government.

Who Will Give Information?

Assistant Central Public Information Officer (ACPIO) appointed by Public Authority will accept application for information. Any Central Public Information Officer (CPIO) will arrange to collect information from various administrative units for providing to member(s) of public as permitted under the law. A Public Authority required appointing an officer senior in rank to a CPIO, as Appellate Authority, who will entertain and dispose off appeals against the decision of the CPIO, as required under the Act. Any person who does not receive the decision from CPIO whether by way of information of rejection within the time frame, may within 30 days from the expiry of period prescribed for furnishing the information or 30 days from the date of receipt of the decisions, prefer an appeal to the Appellate Authority.

The Main Structure/Role of Public Information Officer :

I. Assistant Central Public Information Officer (ACPIO) : Assistant Central Public Information Officer will receive the application/request for information or the appeals under the Act and forward the same immediately to the Central Public Information Officer as the case may be.

II. Central Public Information Officer : The Central Public Information Officer is required to process the request for providing the information and dispose off the same; either by providing the information or rejection the request, within a period of 30 days from the date of receipt of request.

III. Appellate Authorities : The Appellate Authority will entertain and dispose off appeals against the decision of the CPIO as required under the Act.

THE STRUCTURE OF PUBLIC INFORMATION OFFICERS

  1. Branch Managers of all Branches will be Assistant Public Information Officer under provision of the Act.
  2. All the Regional Managers will be Central Public Information Officer for Branches of respective regions.
  3. Chief Compliance Officer (Assistant General Manager), at Head Office will be Central Public Information Officer for All Regional Offices and Head Office.
  4. General Manager at Head Office will be Appellate Authority for all matters.



A) In pursuance of section 4(1)(b) of the Right to Information Act, 2005, the information in respect of Rajasthan Marudhara Gramin Bank is given hereunder:-

01. Particulars of organisation, functions and duties [Sec. 4(1)(b)(i)] :

In terms of Notification F.No. 7/9/2011- RRB Rajasthan, dated 01st April 2014 issued by Govt. of India, Ministry of Finance, Department of Economic Affairs (Banking Division) u/s 23A of RRB Act 1976, the erstwhile Marudhara Gramin Bank and Mewar Aanchalik Gramin Bank were amalgamated into one entity and a new bank namely Rajasthan Marudhara Gramin Bank sponsored by State Bank of Bikaner and Jaipur having its Head Office at Jodhpur was formed w.e.f. 01.04.2014. The area of operation is Twenty Six Districts of Rajasthan state viz. Anupgarh, Barmer, Balotra, Bikaner, Beawar, Dausa, Dudu, Didwana-Kuchaman, Hanumangarh, Jaipur, Jaipur Gramin, Jaisalmer, Jalore, Jodhpur, Jodhpur Gramin, Kotputli, Nagaur, Phalodi, Pali, Pratapgarh, Rajsamand, Salumber, Sanchore, Sirohi and Udaipur.

Institution accepts deposits from public under various deposit schemes and finance in area of operation for the purpose of overall economic development of rural areas with technical development through various loan and advance schemes.

02. Powers and duties of Officers/ Employees [Sec. 4(1)(b)(ii)] :

All Officers have certain financial powers and administrative powers depending upon their positions. The delegation of financial powers to various grades of officials is decided by the Board of Directors, and is revised from time to time, depending upon the requirements of the Bank, as also Government/RBI guidelines. Regarding sanction of loans, each officer of the Bank will consider loan proposals and take a decision in terms of the scheme of delegation of powers, on the merits of the proposal(s). All the officers of the Bank are expected to discharge their duties and responsibilities with integrity and due diligence.

03. The procedure followed in the decision making process, including channels of supervision and accountability [Sec. 4(1)(b)(iii)] :

There is well-defined system in the Bank regarding the decision making process. Different officials depending upon their positions and through the committee approach take financial decisions at various levels. Branches accept the applications for various loan schemes and regarding their discretionary power it is decided to process it at branch level or forward to higher authority.

04. The norms set for discharge of function [Sec. 4(1)(b)(iv)] :

The Bank function with the following core values/norms · Excellence in customer service · Profit orientation · Fairness in all dealing and relations · Risk taking and innovation · Integrity · Transparency and discipline in policies and systems. Regarding the core functions of the Bank i.e. accepting deposits and sanction of loans, the interest rates for deposits/advances and different deposits as well as loan products, are displayed on the Bank’s websites and also made available at all the Branches. Regarding sanction of loans, each officer of the Bank will consider loan proposals and take a decision in terms of the scheme of delegation of powers, on the merits of the proposals. All the officers of the Bank are expected to discharge their duties and responsibilities with integrity and due diligence.

05. Rules, Regulations, Instructions, Manuals & Records held its control for use by employee for discharge their functions [Sec. 4(1)(b)(v)] :

There are quite a number of documents like manuals, book of Instructions, codified circulars, scheme of delegation of powers, proceedings of the board etc. and also periodical circulars used by the employees for discharging various functions.

06. Statement of the categories of documents that are held by the Bank [Sec. 4(1)(b)(vi)]:

  • License issued by Reserve Bank of India
  • Record of the proceedings of Board meetings, meetings of various committees.
  • Documents related to opening of accounts by customers.
  • Documents executed by customers, borrowers, guarantors & contracts with third parties.

07. The particulars of any arrangement that exists for consultation with, or representation by, the members of the public in relation to the formulation of its policy or implementation thereof [Sec. 4(1)(b)(vii)] :

In each Branch Complaint/Suggestion Box and Complaint/Suggestion Book is kept through which members of public may register complaint/suggestion. Except of it public members may register their complaint/suggestion through Bank website. Bank’s annual results/reports are published in the Bank’s website periodically for information of the public which would give an idea about the policies of the Bank and implementation thereof.

08. A Statement of the boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public [Sec. 4(1)(b)(viii)] :

Bank has appointed various Committees for different purposes. The following are some of the important Committees who are managing the key affairs of the Bank:

  1. ALM Committee (ALCO COMMITTEE)
  2. Investment committee (Present on Demand)
  3. Cash Management committee
  4. Credit committee (Present on Demand)
    • Network Credit committee
    • Head Office Credit committee
  5. Compliance & Risk Management committee
  6. IS & IT committee
  7. Preventive Vigilance committee
  8. CSR committee
  9. Employees Grievance Redressal committee
  10. Prevention of Sexual Harassment (POSH) committee
  11. Purchase committee
  12. Premises committee
  13. Marketing committee (Present on Demand)
  14. Procurement committee (IT)
  15. Procurement committee (OAD)
  16. Product development committee
  17. Internal advisory committee
  18. Consultancy committee of key stake holders for advice on suo-motu disclosure
  19. Committee of PIOs/FAAs with rich experience in RTI to identify frequently sought information under RTI

* Public are not entitled to participate on the above committee meetings and minutes are not accessible to public.

09. Directory of its Officers & employees [Sec. 4(1)(b)(ix)] :

A directory of officers and employees with cadre, place of posting, gross monthly emoluments may be seen in following link. Since the number of employees is quite large and they are subject to transfers, it is not possible for the Bank to keep the same updated from time to time. However efforts are made to keep the same updated from time to time.

Directory of Officers and Employees

10. Monthly remuneration received by each of its officers & employees, including the system of compensation as provided in its regulations [Sec. 4(1)(b)(x)] :

i) List of employees with Gross monthly remuneration as per current provisions.

Click Here

ii) System of compensation as provided in its regulations. May include compensatory offs, overtime allowance, honorariums, other incentives in the form of awards and rewards. Compensated it under RTI.

Please visit Events in https://rmgb.in>>> Events

11. Budget allocated to each of its Agency, indicating the particulars of all plans, proposed expenditure and reports on disbursements made [Sec. 4(1)(b)(xi)] :

There are no plans and budgets for expenditure of public money and disbursements and the provision is not applicable to “Rajasthan Marudhara Gramin Bank”.

12. Manner of execution of subsidy programs, including amounts allocated and the details of beneficiaries of such programs [Sec. 4(1)(b)(xii)] :

There are no subsidy programs of plans for lending activities as a whole, except for targets for priority sector lending. There are different schemes for advances of the Bank, the terms and conditions are already available on the Bank’s website.

13. Particulars of recipients of concessions, permits or authorisations granted by it [Sec. 4(1)(b)(xiii)] :

There are no programmes in the Bank for grant of concessions, permits, and authorizations etc. and there is no material in the Bank relevant to this provision.

14. Details in respect of information, available to or held by it, in electronic form [Sec. 4(1)(b)(xiv)] :

All the general information regarding deposits, advances and other services offered by the Bank are already available on website of the Bank- https://www.rmgb.in Public may refer to our above website regarding necessary information.

15. Particulars of facilities available to citizens for obtaining information, including the working hours of reading room, if maintained for public use [Sec. 4(1)(b)(xv)]:

All the general information regarding deposits, advances and other services offered by the Bank are already placed on the website of the Bank http://www.rmgb.in and accessible to all members of the public. Members of the public may approach ACPIO for further detail of any Banking product/service. The Bank does not provide any library/reading room facility to members of the public.

B) Such other information as may be prescribed

i) The Names, designations and other particulars of the Public Information Officers [Sec. 4(1)(b)(xvi)].

ii) Details of third party audit of voluntary disclosure

The Third Party Transparency Audit for the Year 2022-23 .

a) Dates of Audit carried out – 24/08/2023

b) Report of the audit carried out - AuditedReport_2022_23

iii) Appointment of Nodal Officers not below the rank of Joint Secretary/ Additional HoD

a) Date of appointment: 26/07/2022

b) Name & Designation of the officers: Shri Pankaj Bhargava, Chief Compliance Officer

iv) Consultancy committee of key stake holders for advice on suo-motto disclosure

a) Date from which constituted: 29/09/2023

b) Name & Designation of the officers: General Managers (2); Shri Pankaj Bhargava, CCO; CDO & Incharge – PML/AML Cell

v) Committee of PIOs/FAAs with rich experience in RTI to identify frequently sought information under RTI

a) Date from which constituted: 29/09/2023

b) Name & Designation of the officers Shri Sunil Chawla (FAA), Shri Pankaj Bhargava(CPIO); CPIO – RBO Jodhpur & Incharge – PML/AML Cell

C) Programmes to advance understanding of RTI(Section 26)

i) Educational Program

Conducting Annual training programme for FAAs, CPIO, APIOs, Staffs in the Office of FAAs& CPIOs.

Recent Training programme conducted on 12th December, 2023 at RMGB, Head Office, Jodhpur.

ii) Efforts to encourage public authority to participate in these programmes

Participation in Training Programme is compulsory.

iii) Training of FAA/CPIO

Conducting Annual Training Programme in the Bank.

iv) Update & publish guidelines on RTI by the Public Authorities concerned

D) Such other information as may be prescribed under section [Sec.4(i) (b)(xvii)]: Details of applications received and disposed.

i) RTI Applications received & Disposed

Year: 2018-19
Applications Received: 203, Applications Disposed: 203
Year: 2019-20
Applications Received: 251, Applications Disposed: 251
Year: 2020-21
Applications Received: 219, Applications Disposed: 219
Year: 2021-22
Applications Received: 308, Applications Disposed: 308
Year: 2022-23
Applications Received: 236, Applications Disposed: 236
Year: 2023-24
Applications Received: 198, Applications Disposed: 198

ii) Details of appeals received, and orders issued

Year: 2018-19
Appeals Received: 31, Appeals Disposed: 31
Year: 2019-20
Appeals Received: 56, Appeals Disposed: 56
Year: 2020-21
Appeals Received: 47, Appeals Disposed: 47
Year: 2021-22
Appeals Received: 66, Appeals Disposed: 66
Year: 2022-23
Appeals Received: 53, Appeals Disposed: 53
Year: 2023-24
Appeals Received: 33, Appeals Disposed: 33

iii) Replies to questions asked in the parliament