Punjab National Bank — Manager - inefficient and unprofessional behavior & unethical work culture in regards to cash disbursals

Address:

160062

To dated : 23/11/2016
The manager
Reserve bank of india
4th floor, sector 17
Chandigarh.

Subject : complaint regarding the manager punjab national bank, municipal bhawan, sector-68, sas nagar, district mohali (Punjab) for inefficient and unprofessional behavior extending inconvenience with unethical work culture & favoring few specific account holders in regards to cash disbursals and making plain refusals with loads of excuses to the rest of the clients/account holders

Sir,
Enclosed please find an attachment in respect of my complaint regarding the no cash slogan being continuously blown by mrs. Archana gupta manager of punjab national bank, municipal bhawan, sector - 68, sas nagar, mohali (Punjab) who has/exhibits/practices inefficient and unprofessional behavior extending inconvenience with unethical work culture & favoring few specific account holders in regards to cash disbursals and making plain refusals with loads of excuses to the rest of the clients/account holders.
Moreover, i would like to ask that in continuation to government of india’s notification no. 2652 dated 08/11/2016 in regards to the withdrawal of legal tender status of ` 500 and ` 1000 denominations of bank notes of mahatma gandhi series issued up to 8th november, 2016 and further as on this day and date every account holder is entitled to withdraw overall limit of ` 24000/- (Rupees twenty four thousand only) a week from his/her bank account, then how could above referred/mentioned bank manager mrs. Archana gupta get a special unquestionable right and power to fix the limit of the account holders regarding the withdrawal one deserves despite having ample/adequate amount of cash at that moment with-in bank-cash-custody/in cashiers possession? Who empowers her to do such acts and reject even the first person standing in the withdrawal - line having withdrawal-cheque of overall limit of ` 24000/- (Rupees twenty four thousand only) a week from his/her bank account…. And make him feel like a helpless individual at the mercy of the said bank manager mrs. Archana gupta who may allocate any figure may be ` 6000 or ` 8000 whatsover etc.. Etc.. And the said account holder has a choice either to accept or reject…. Doesn’t all this sound like that the so called account holder/holders have to beg with wide open arms in front of arrogant/unprofessional bank managers like … mrs. Archana gupta?
Under whose guidance/orders/instructions such actions are executed by such irresponsible and rude bank managers like mrs. Archana gupta?
Is this reserve bank of india or punjab national bank, itself, which gives this kind of liberty/freedom/ autonomy/ sovereignty to such arrogant and misbehaving bank managers like mrs. Archana gupta who can do anything of its own?
Are there any specific/special norms/guidelines framed by reserve bank of india for the special employee, mrs. Archana gupta working as manager with punjab national bank, municipal bhawan, sector-68, sas nagar, district mohali (Punjab)? If yes, then i would like to know.
Hope that reserve bank of india shall definitely look into the matter and take the necessary action, since it has been declared “overall limit of ` 24000/- (Rupees twenty four thousand only) a week from ones bank account” by the reserve bank of india/finance minister/honorable prime minister and if the said commitment collapses due to the arrogance/unprofessional attitude of the said bank manager mrs. Archana gupta, who has the sovereignty in regards to the cash disbursements …who will get what out of the total available cash at the branch... Isn’t this a mockery? She has no right to say/convey/address through/on the basis of her position, to the account holders “ either take what is offered by the bank or leave ”……
I being a citizen of india, hereby would like to ask rbi/finance minister/honorable prime minister that government’s one step towards the better economy of india is again not enough to create better level of professionalism/ethics/customer satisfaction…. Etc…etc…
I dully understand that the present stage can’t be termed as emergency, but may be few people like bank manager mrs. Archana gupta make the helpless account holders carry and experience the feel of emergency……..

Looking forward to the timely reply and action.
Thanking you
Sharda sharma
W/o late sh. Om sawroop sharma
R/o house no. 782, first floor,
Sector – 78, sas nagar,
Mohali (Punjab)
Email : [protected]@yahoo.co.in
Mob: +[protected]

Copy to :
[protected]@rbi.org.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in

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Copy of the complaint made to punjab national bank's customer care

To dated : 22/11/2016
The manager
Punjab national bank
Municipal bhawan,, sector – 68, sas nagar,
District mohali (Punjab).

Subject : bank manager mrs. Archana gupta’s inefficient and unprofessional behavior extending inconvenience with unethical work culture & favoring few specific account holders in regards to cash disbursals and making plain refusals with loads of excuses to the rest of the clients/account holders.

Mrs. Archana gupta,

I, sharda sharma w/o late sh. Om sawroop sharma r/o house no. 782, first floor, sector – 78, mohali (Punjab) having savings account in your bank, would like to bring the following into your kind notice :

(A) that i have been visiting your bank’s branch for the last five working days.

(B) that there are another three accounts from my family with your bank’s branch.

(C) that i could not fetch even a single penny from your branch.

(D) that you always had the excuses regarding the cash availability.

(E) that even today ie.. 22/11/2016, i visited your bank’s branch at 11:40 am and requested for the cash withdrawal but you had the routine reply “ there is no cash” and continued extending multiple lame excuses like… “ there is no cash, but our educated and decent clients do understand our limitation ”

(F) that the final statement was “ we/our branch gets only 2, 50, 000/- (Rupees two lakh fifty thousand only) as cash for the disbursement to the customers/clients/account holders.

(G) that for your above statement as per clause no. (F), i do have two account holders who are the witness to above statement of yours.

(H) that first of all, i have four accounts in your branch as per above clause no. (B), who is eligible enough to get/ask for/ demand rs. 24, 000/- (Rupees twenty four thousand only) against / on account of each account of mine and my family members accounts with your bank’s branch, but could not get anything more than vague / fuzzy / blurred reply…… [ as mentioned above vide clause no. (E) ]

(I) that i would like to know and understand what does mrs. Archana gupta mean by “ there is no cash, but our educated and decent clients do understand our limitation ”? Does she mean that the account holders who come to the branch everyday in search/need of the cash in the quantity, the said account holder is eligible-for, gets the label of being uneducated and indecent after the account holder extends the instant - rejection to the said lame excuses and illogical logics, of so called manager mrs. Archana gupta who doesn’t have the capability of differentiating between serious business of banking industry and popcorn selling.

(J) that does mrs. Archana gupta want to convey such things as above mentioned vide clause no (I), on the behalf of honorable prime minister sh. Narendera modi and give the evidence of her such unwanted/unacceptable special skills grafted/implanted/developed and of course practiced on the lines of skill india campaign launched on 15th july, 2015 but filled with loads of irresponsibility factor and finally makes the clients/account holders understand the real interpretation of the skill india campaign narrated and delivered by the so hardworking/sincere, dedicated/efficient manager mrs. Archana gupta, of punjab national bank, municipal bhawan,, sector – 68, sas nagar, mohali (Punjab) …….. Skill india ….. Skill punjab ….. Skill pnb …. Its all about making excuses on the behalf of the higher authorities…. The bank is allotted a very negligible amount to be further disbursed to the clients/account holders……. Its all about showing arrogance to the account holders who expect honesty, politeness, rightful assistance from the so called service industry ie…. Banking sector… from the name/brand/institution beyond any comparison ie…. Punjab national bank???

(K) that i would ask for and demand the bank record and verify/witness/observe the so called fact/statement given by the so called manager.. Mrs archana gupta as above mentioned vide clause no. (F).

(L) that i hereby further request the higher authorities to go for the detailed enquiry on the said serious statement/excuse by mrs. Archana gupta as above mentioned vide clause no. (F), and make the detailed observation and analysis, that despite the long and lengthy statements/declaration/assurances by honorable prime minister sh. Narendera modi and apex authorities of reserve bank of india, the so called manager.. Mrs. Archana gupta, her said branch is not allocated funds more than rs. 2, 50, 000/- (Rupees two lakh fifty thousand) and on some days she fails to get even a single penny, to be disbursed and extended further to the clients/account holders, whereas every account holder is entitled to withdraw maximum of rs. 24000/- per week and the said branch of mrs. Archana gupta which hardly gets rs. 2, 50, 000/-, one can understand that such branch can’t satisfy even twelve account holders asking for their weekly maximum permissible limit of rs. 24, 000/-. Isn’t this a big question mark on the reputation of one of most reliable names like punjab national bank?

(M) that the said branch is allotted maximum of rs. 2, 50, 000/- (Rupees two lacs fifty thousand only.). Isn’t this amount a blow on the face of all the account holders having their accounts with your said branch????

(N) that after i leave the said bank’s branch at 1:30 pm on 22/11/2016, with bag-full of excuses given by mrs. Archana gupta, i come across a client who gets the cash withdrawal after my departure, from the same branch in the presence and supervision of said bank manager mrs. Archana gupta and the same can be proven with the actual, realistic facts/evidences. How she can go for her own choice and wish on the subject of cash disbursement to equally eligible account holders?

You are hereby advised/requested to look into the matter at the highest priorities and let me know when such irresponsible manager of punjab national bank learn and start practicing and executing the deeds in the true professional manner and add respect to the prestigious names like punjab national bank.

Moreover if the reasonable visible action is not initiated, the matter shall be taken to the higher level in the association with the print and electronic media, in cooperation/ coordination with other government agencies/departments to look into such malfunctioning/misappropriations executed by manager of the said reputed bank…punjab national bank.

Waiting for the instant timely action –

Thanking you
Sharda sharma
W/o late sh. Om sawroop sharma
R/o house no. 782, first floor,
Sector – 78, sas nagar,
Mohali (Punjab)
Email : [protected]@yahoo.co.in
Mob: +[protected]

Copy to :
[protected]@rbi.org.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in
[protected]@pnb.co.in