I) प्रीएम्बल:

भारत सरकार ने अपने प्रस्ताव तिथि 21 अप्रैल, 2004 द्वारा केंद्र सरकार, किसी केंद्र अधिनियम के तहत या द्वारा स्थापित किसी निगम, केंद्र सरकार के स्वामित्व व नियंत्रण में सरकारी कंपनी, सोसायटी या स्थानीय प्राधिकरण के किसी भी कर्मचारी द्वारा भ्रष्टाचार के आरोप या कार्यालय के दुरुपयोग पर डिस्क्लोज़र के लिए लिखित शिकायत प्राप्त करने और उचित कार्रवाई का सुझाव देने के लिए सेंट्रल विजिलेंस कमीशन (CVC) को 'नियुक्त एजेंसी' के रूप में अधिकृत किया था. यह प्रस्ताव सार्वजनिक क्षेत्र के बैंकों सहित केंद्र सरकार और सार्वजनिक क्षेत्र के उद्यमों पर लागू होता है. क्योंकि निजी क्षेत्र के बैंकों को निर्धारित समाधान द्वारा कवर नहीं किया जाता है, इसलिए भारतीय रिज़र्व बैंक ने निजी क्षेत्र और विदेशी बैंकों के लिए एक सुरक्षित डिस्क्लोज़र स्कीम बनाई है और निजी क्षेत्र के बैंकों को अपने परिपत्र की संदर्भ संख्या DBS के माध्यम से सलाह दी है. इसकी FrMC नंबर BC 5/23.02.011/2006-07 है और तुरंत प्रभाव के साथ इसे लागू करने की तिथि 18-04-2007 है. इसके अनुसार, हमारे बैंक से संबंधित यह सुरक्षित डिस्क्लोज़र स्कीम तुरंत प्रभाव के कार्यान्वयन के लिए तैयार की गई है.

II) उद्देश्य:

• 1 To ensure better governance standards and probity/ transparency in the conduct of affairs of the bank by providing opportunities for disclosure of information in the public interest by the employees of the bank
• 2 To safeguard the public interest in the midst of large scale corporate frauds reported across the world
• 3 To strengthen the financial stability and to enhance the public confidence in the robustness of the financial sector

III) स्कोप और कवरेज:

• 1 The complaints under this Scheme would cover the areas such as corruption, misuse of office, criminal offences, suspected/ actual fraud, failure to comply with existing rules and regulations such as Reserve Bank of India Act,1934, Banking Regulation Act,1949,etc. and acts resulting in financial loss/ operational risk, loss of reputation,etc. detrimental to depositors’ interest/ public interest.
• 2 Under the Scheme, Employees of City Union Bank Limited, Customers, Stake holders, NGOs and Members of public can lodge complaints.
• 3 Anonymous/ pseudonymous complaints will not be covered under the Scheme and such complaints will not be entertained.
• 4 Reserve Bank of India (RBI) will be the Nodal Agency to receive complaints under the Scheme. The Reserve Bank of India would keep the identity of the complainant secret, except in cases where complaint turns out to be vexatious or frivolous and action has to be initiated against the complainant.
• 5 The Bank can take action against complainants in cases where motivated/ vexatious complaints are made under the Scheme, after being advised by Reserve Bank of India. An opportunity of hearing will, however, be given by the bank to the complainant before taking such action.
• 6 Final action taken by the Reserve Bank of India on the complaint will be intimated to the complainant.

IV) स्कीम के तहत शिकायत दर्ज करने की प्रक्रिया:

• 1 The complaint should be sent in a closed /secured envelope.
• 2 The envelope should be addressed to The Chief General Manager, Reserve Bank of India, Department of Banking Supervision, Fraud Monitoring Cell, Third Floor, World Trade Centre, Centre 1, Cuffe Parade,Mumbai 400 005.
• 3 The envelope should be superscribed ‘Complaint under Protected Disclosures Scheme for Banks’.
• 4 The complainant should give his/ her name and address in the beginning or end of the complaint or in an attached letter.
• 5 In case of an employee making such complaint, details such as name, designation, department, institution and place of posting etc. should be furnished.
• 6 Complaints can be made through e-mail giving full details as specified above. For this purpose, a specific e-mail id dbspd@rbi.org.inhas been created.
• 7 The complainant should ensure that the issue raised by him/ her involves dishonest intention/ moral angle.
• 8 The complainant should study all the relevant facts and understand their significance.
• 9 The complainant should also make an effort, if possible, to resolve the issue through internal channels in order to avoid making the complaint.
• 10 The text of the complaint should be carefully drafted so as not to give any details or clue to complainant’s identity. The details of the complaint should be specific and verifiable.
• 11 In order to protect the identity of the complainant, the Reserve Bank of India will not issue any acknowledgment of receipt of the complaint. The complainant also should not enter into any further correspondence with the Reserve Bank of India in their own interest.
• 12 Reserve Bank of India assures that, subject to the facts of the case being verifiable; it would take necessary action, as provided under the Scheme. If any further clarification is required, the Reserve Bank of India will get in touch with the complainant.

V) शिकायत पर फॉलो-अप कार्रवाई:

अगर शिकायत करने वाले व्यक्ति के विवरण के साथ शिकायत की जाती है, तो रिज़र्व बैंक ऑफ इंडिया निम्नलिखित चरणों का पालन करेगा.

• 1 If necessary, it would ascertain from the complainant whether he was the person who made the complaint or not.
• 2 The identity of the complainant will not be revealed unless the complainant himself/herself has made the details of the complaint either public or disclosed his/her identity to any other authority.
• 3 If the identity of the complainant is concealed, the Reserve Bank of India shall make discreet inquiries to ascertain if there is any basis for proceeding further with the complaint.
• 4 Either as a result of the discreet enquiry, or on the basis of complaint itself without any inquiry, if the Reserve Bank of India is of the opinion that the matter requires to be investigated further, the Reserve Bank of India may consider calling for the comments / response from the Chairman / Chief Executive Officer of the bank concerned.
• 5 After obtaining the response of the bank concerned and / or on the basis of an independent scrutiny conducted / ordered by Reserve Bank of India, if Reserve Bank of India is of the opinion that the allegations are substantiated, the Reserve Bank of India shall recommend appropriate action to the bank concerned. These shall, inter alia, include the following:
• संबंधित अधिकारी के खिलाफ उपयुक्त कार्रवाई शुरू की जाएगी.
• भ्रष्ट कार्य या कार्यालय के दुरुपयोग या स्कीम में कवर किए गए किसी अन्य अपराध के परिणामस्वरूप बैंक को हुए नुकसान की वसूली के लिए उपयुक्त प्रशासनिक कदम.
• मामलों के तथ्यों और परिस्थितियों के आधार पर, आपराधिक कार्यवाही शुरू करने के लिए उपयुक्त प्राधिकरण/एजेंसी का सुझाव दें.
• भविष्य में ऐसे मामलों को दोबारा होने से रोकने के लिए सुधारात्मक उपाय लेने की सलाह दें.
• मामले के तथ्यों को ध्यान में रखते हुए उपयुक्त लगता है तो कोई अन्य कार्रवाई शुरू करने पर विचार करें.

VI) शिकायतकर्ता को सुरक्षा:

• 1 If any person is aggrieved by any action on the ground that he/she is victimized due to filing of the complaint or disclosure, he / she may file an application before the Reserve Bank of India seeking redressal in the matter. The Reserve Bank of India shall take such action, as deemed fit. In case the complainant is an employee of the bank, Reserve Bank of India may give suitable instructions to the concerned bank, preventing initiation of any adverse personnel action against the complainant.
• 2 Either on the basis of the application of the complainant or on the basis of information gathered, if the Reserve Bank of India is of the opinion that either the complainant or the witnesses in the case need protection, the Reserve Bank of India shall issue appropriate directions to the concerned bank.
• 3 The system evolved herein shall be in addition to the existing grievances redressal mechanism in place. However, secrecy of identity shall be observed, only if the complaint is received under the Scheme.
• 4 In case Reserve Bank of India finds that the complaint is motivated or vexatious, Reserve Bank of India shall be at liberty to take appropriate steps.
• 5 In the event of the identity of the informant being disclosed inspite of Reserve Bank of India’s directions to the contrary, the Reserve Bank of India shall be authorized to initiate appropriate action as per extant regulations against the person or agency making such disclosure. Reserve Bank of India may also direct such person or agency to suitably compensate the complainant.

VII) स्कीम के कार्यान्वयन की निगरानी:

सुरक्षित डिस्क्लोज़र स्कीम के कार्यान्वयन की निगरानी हर महीने बोर्ड की ऑडिट समिति द्वारा की जाएगी और इस स्कीम के तहत प्राप्त शिकायतों का विवरण बोर्ड की ऑडिट समिति के सामने रखा जाएगा. इस स्कीम की प्रमुख विशेषताओं की जानकारी इंटरनल सर्कुलर और बैंक की वेबसाइट द्वारा सभी कर्मचारियों, कस्टमर, स्टेक होल्डर, NGO और सार्वजनिक सदस्यों को दी जाएगी.