KYC requirement of bank and its impractical interpretation


on 17th October 2014 I visited Bank of India, Bopal Branch for cash withdrawal as I needed some money urgently for festival spending.
This is small branch 1) Manager 2) Cashier, 3) Two – 3 officers and clerk + Peon.
I queued up at Cashier window with cheque in my hand, it was too slow, ok – cashier is aged and seemed to be working slow.
There were 7 to 8 people – each took more than 5 minutes !!!!!!
I had to rush for my work too.
Long awaited turn arrived, I handed over cheque to cashier – who noted down withdrawal details in cashdiary and returned it to me (as if I am chaprasi,

peon) and asked me to get it verified by officer.
I cooly accepted it without argument and approached officer sitting in a corner table.
He clicked computer and to my utter dismay, refused that withdrawal is not possible because my KYC is incomplete.
I argued that I well remembered having given all papers while opening Savings account.
He called for papers and confirmed that copies of KYC documents were there.
I also argued that I am staying at same place of which I gave all proofs in 2010 while opening account.
Officer on duty told me that I should give him some id proof original and xerox copy too.
I presented my valid driving licence and requested him to make its copy if bank has xerox machine.
I was told that Bank does not have xerox, account holder should go somewhere and get it copied.

Now I lost my temper :

1) Asked officer to first give me cash as i need urgently and also getting late to rush my work place which is almost 35 kms from Bank.
2) I told him to verify me from old documents and be practical – as I am not third party – account holder in person – my photos and documents are in bank’s record – just be practical and i would send any other paper very next day.
3) After some argument he was convinced.
4) I also pointed out that cashier cannot direct me with payment notebook to approach you instead he should have called chaprasi.
Finally officer verified my cheque and asked peon to handover it to cashier  – i got my withdrawal almost after 30 more minutes !

My question is :
a) Bank has scanner and they could have scanned my driving licence and get it printed in bank
b) they wasted time and sent peon for xerox copy (infact they directed me but I argued that its not my duty) you manage copy or keep original with you but just be practical and give me my cash when i need it urgently.
c) Bank has my email id, mobile and other contacts – I worry they never bothered to send me a line for KYC.
I told him that such “babustyle” will be loss to nationalised bank.

It is high time RBI and Finance minister intervene and bring practical changes in KYC documents.

This is a sheer wastage of time and great great inconvenience when customer needs timely service.

I feel pity for poor people (I was able to argue with Bank officer and he has no way but to co-operate me practically) But whole episode took a toll of precious 1 hour of mine and his too !
Wake up Directors of bank, Babus and our ministers.

AFTER SALES SERVICE – does Apple India care !!!!

My son gifted me iphone5 last year from Australia. For an year it worked perfect.

Last week I had charging problem to it. Slowly phone went dead and i was put to great inconvenience.

Overnight i cannot buy iphone5. I managed to buy fresh Sim card from my mobile service provider and inserted in another mobile to continue my work.

Called Apple India but they clearly said that for software part they would help me but i have to visit one of their service center in Ahmedabad. Service center of Apple opens at 11.00 am and closes by 5.00 – good. AT the cost of all my work i somehow managed to visit service Center which was a very small place, can hardly accommodate 10 to 12 people, there was nothing but chaos.

After an hour’s waiting my turn was there. Person connected iphone5 to his system and told me to wait 30 minutes, good I have to wait no recourse.30 minutes were already over, I anxiously went to counter and asked whether any feedback on my dead iphone5 !

Person at the counter was blank as he was attending few more desperate consumers / customers like me. I requested him again to give me perfect answer whether i can restore my phone and whether he would be able to help ? He opened my phone examine and told that it has battery problem. But since phone was purchased from Australia they cannot help to repair phone.

Company like Apple who is boasting of worldwide service, has put customer like me to great inconvenience. Apple India needs to improve :

a) Service center should be spacious

b) Staff should be decisive and fast

c) In big city like Ahmedabad it is a costly affair to waste two / three hours just to visit this Center and come without fruitful or timely service.


Prior to this i have no experience of visiting service center of any other mobile manufacturers so cannot compare it but overall impression is not so good. If I have to rate Apple’s service i would give “POOR” rating.

Some customers have specially came to get their “newest” iphone repair, that too from surrounding towns like Mehsana which might not have service center of Apple India.

On getting dismayed I spoke to one of my close friend and requested him to check whether some mobile shops can repair / replace my battery of iphone5. To my surprise it was done instantly. I do not advise it. But who would like to wait for days and days.

I came across another customer who came from Mehsana – roughly 70 kms away from Ahmedabad. He was unhappy that his new iphone was functioning poorly and within weeks of purchasing new phone – he is now left on the mercy of this poor service center.

My personal experience of iphone4 is very very positive. If Apple India is reading this, please care better for customers who are spending money just on your brand name.


Congress’s Politics (as I received from a friend)

Arvind Kejriwal is more dangerous than congress. This is a big game plan of congress to keep BJP out of power in the next LS election.

1) Kejriwal will fulfill all the promises of AAP like reducing power tariff and giving 700 litres of water at least for two months…so that he can develop a image of most developing PM candidate and the can overpower the image of Modi..

Any govt can easily run the govt for three months even if its bankrupt. Giving free water and reducing power tariff will affect the Delhi state exchequer badly but this is something is hidden charges carried by the AAP govt.

2) The aim of AAP is not to win in the LS election but to chunk a large portion of Anti-congress votes….which will go to BJP..even if AAP succeed in getting 30‚000 votes in urban areas this will reduce the chance of BJP getting win on at least 30 seats…on the contrary this will increase the congress seats by 30-40.

3) now the calculation will go like this if LS election is declared today and AAP doesn’t contest election than BJP will win on 200+ seats and Modi will surely become the PM..congress will win on 90-100 seats….but as explained above there will be a decrease in BJP and increase in congress seats by 30-40. Now the seats share is congress 125-135 and BJP 160-170…

4) Though BJP is still the largest party like in Delhi it won’t be able to form the govt as all the parties except Shiv sena and akali dal will support to congress in the name of psedo secularism including the newly Patriotic party AAP as they did in Delhi now and BJP will sit in opposition…it will be a Delhi picture….

5) now what next, congress will nominate Kejriwal as PM and will be part of govt just as happened in Delhi…..

This is because the aim of congress is not to win but to clean the image of congress and wat can be a better process to nominate newly so called immandaar Arvind for PM and the aim of AAP is not to win but stop BJP from win..

6) Arvind talks good just like Mahatma Gandhi…it is Gandhi who stopped Sardar Patel in becoming PM and made Nehru as the PM. History repeats itself Arvind is next Nehru and Modi is Patel…

It is after 60 yrs people realized the mistake of 1947 now it will take another 60 yrs to realize who Kejriwal is?

Hats off to congress politics.


I wanted to book ticket for Ahmedabad to Vadodara (Baroda). Went to Nehrunagar Counter of Gujarat State Road Transport Corporation today morning.  Officer incharge at the counter told me that internet is not working and ticket cannot be booked. Fine! Logged in to Gujarat State Road Transport Corporation. Could not find the right place because I was inputting words “Vadodara” and system was not accepting it. Then I input word “Baroda” – good system accepted it and i could finally book ticket ! Wonderful.

Basic question rose to my mind:-

1) Many times I have traveled by Railway and I clearly remember name “Vadodara” while booking tickets. So i tried to book several times using this name without success !!!

2) Even Flight tickets mention city name as “Vadodara”

G O O D !!!!!!!!

I tried to check what is official website of its Municipal Corporation – that too starts with “Vadodara”

Gujarat State Road Transport Corporation still uses the name “Baroda” – fine no problem. Just surprised why such small mistake who is right – Railways, Airlines, Vadodara Municipal Corporation or State transport. 

Vadodara is historical city and may be during British rule – it might be known as Baroda – even common man rather all of us know it by BARODA but its really funny when name plays important role.

If I find time – I would like to right to authorities themselves to clarify.

Thanks to all our management. 

WHAT U.S citizen believes about Narendra Modi.

As a routine my son called up me from Melbourne. Today he has to work overtime. After brief hi, hello he pointed out to me about his discussion with his boss.

This is no joke. My son works in Australia. His boss is U.S citizen but settled in Australia since 4 years. Today after work they were discussing general political scenario. To my son’s surprise his boss told ”

“Dav do you belong to MR. NARENDRA MODI’s state, this is the reason you are so dynamic. I am U.S citizen but keeping a close eye on India’s news. Surely Narendra Modi will be defeating India’s longest ruling party in next election. He is a rising star. And do not forget to give me party when he is elected. ”

So above is just brief but very true and most proud thing about SHREE NARENDRA MODI.

Hats off !

Grievances of Ahmedabad, National Highway 8


ImageImageAs usual, one will need much efforts to approach Government authorities to get work done. Above are few pictures of Ahmedabad City – Entrance to Ahmedabad. If you are driving from Himatnagar while nearing Ahmedabad City you would come at Nana Chiloda Circle on Sardar Patel Ring Road. This road is National Highway 8 and upto Naroda Patiya, Ahmedabad the highway under NHAI.

Since 3 years almost no repairs. From Nana Chiloda to Naroda Patiya the road is four lane. But at many places two lanes are submerged under water, big pot holes.  Summary of my action :

a) Took photos and sent to Ahmedabad Municipal Commissioner. As usual he directed complaint to North Zone Engineer, Ahmedabad.

b) Standard reply on phone that Municipal Corporation cannot repair this road because it falls under National highway authority of India.

c) I searched their website and found concerned Manager at New Delhi who then directed me to one Mr. Patel in Ahmedabad.


Shree Jagannathji Temple, Ahmedabad


This famous temple I love to visit every month. For many years I stayed in the city of Ahmedabad, from my home the holy temple was just a walk away. Mandir used to offer “Malpua and Bundi Prasad”. Now since I stay away in outskirt of the city – I just visit casually.

Further information is

Jay Shree Jagannathji – bless all!