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+{{htmlmetatags>metatag-keywords=(banking rti, lic rti, sbi rti, psu bank rti, insurance claim rti, jayantilal mistry, bank inspection report)
+metatag-description=(PSU bank / LIC delays your claim or refuses information. RTI route under Jayantilal Mistry (SC 2015) + RBI inspection reports. Template + case law (2026).)
+metatag-title=(Banking & Insurance RTI — PSU bank / LIC records (2026))}}
+====== Banking & Insurance RTI — PSU bank / LIC records (2026) ======
+{{ :social:auto:banking-insurance-rti.png?direct&1200 |Banking & Insurance RTI — PSU bank / LIC records (2026)}}
+{{page>snippets:dpdp-banner}}
+<WRAP info>
+PSU banks (SBI, PNB, etc.
+</WRAP>
+===== Why this RTI works =====
+PSU banks (SBI, PNB, etc.) and LIC are public authorities under §2(h). After RBI v. Jayantilal Mistry (SC, 2015), the §8(1)(e) fiduciary defence is confined to the strict-classical sense and does not protect inspection reports, defaulter lists, or customer's own records. Insurance regulator IRDAI is also a public authority.
+===== Legal framework =====
+  * **RTI Act, 2005** §6, §7(1), §8(1)(d) (commercial confidence — narrow), §8(1)(e) (fiduciary).
+  * **RBI v. Jayantilal Mistry (SC, 2015)** — fiduciary defence is strict-classical; inspection reports + defaulter lists disclosable.
+  * **Banking Regulation Act, 1949** §35 (RBI inspection).
+  * **IRDAI Act, 1999** + **Insurance Act, 1938**.
+===== RTI template — copy & file =====
+<code>
+To:
+The Public Information Officer (PIO),
+[Office name + address].
+Subject: RTI under §6 — Banking & Insurance query
+Sir/Madam,
+Under the RTI Act, 2005, kindly provide:
+. Status of my loan / claim / refund application No. [NUMBER] dated [DATE].
+. Reason for delay beyond Citizen Charter timeline.
+. Daily file movement (file noting) of my application.
+. List of documents pending and from whom.
+. Branch Head + Zonal Office contact for grievance escalation.
+. Citizen Charter compliance status and action on prior complaint No. [NUMBER].
+Rs. 10 IPO enclosed.
+Yours faithfully,
+[Name]
+[Address + phone + email]
+[Date]
+</code>
+===== Escalation timeline =====
+  * **Day 31** — First Appeal.
+  * **Day 76** — Second Appeal to CIC.
+  * **Parallel** — Banking Ombudsman (RBI) for bank grievances.
+  * **Parallel** — Insurance Ombudsman / IRDAI for insurance grievances.
+===== Case law anchors =====
+  * **RBI v. Jayantilal Mistry (SC, 2015)** — Fiduciary defence narrowed; bank records on customer disclosable to customer.
+  * **Bhagat Singh v. CIC (Delhi HC, 2007)** — Speaking-reasons doctrine — refusal must be reasoned.
+===== Common mistakes =====
+  * Asking for other customers' data — §8(1)(j) blocks.
+  * Filing to wrong branch (must be the branch holding your account).
+  * Confusing Banking Ombudsman with RTI — both are parallel routes.
+===== Frequently asked questions =====
+==== Is HDFC / ICICI a public authority? ====
+No — only PSU banks. Private banks are subject to RBI Banking Ombudsman, not RTI.
+==== Can RTI fetch loan-rejection reason? ====
+Yes — bank must disclose reason for rejection of loan application.
+===== Related reading =====
+  * [[:hospital-negligence-rti|Hospital negligence RTI]]
+  * [[:pio-banking-financial-rti|Banking RTI — PIO playbook]]
+  * [[:file-rti-online-india|File RTI online — 12 steps]]
+  * [[:faq|RTI — 25 questions answered]]
+===== Sources =====
+  * RTI Act, 2005 — full text.
+  * Citation chain in body.
+  * Citizen Charter of the relevant authority.
+  * Case-law database at [[:cases:search|/cases/search]].
+//Last reviewed: 23 April 2026.// {{tag>rti banking insurance lic psu tier-2 2026}}

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