Bank has appointed all Regional Managers as SPIOs.
The General Manager(Administration), at Head Office Gandhinagar, will act as CPIO. He will receive, consider and decide the applications received from
the citizens under the Act pertaining to their respective areas. Besides, all Branch Heads have been designated as State Assistant Public Information
Officer (SAPIO) to receive the applications and forward to the concerned Public Information Officer i.e. SPIO or CPIO as the case may be.
To hear the appeals against the orders passed by
SPIOs and CPIOs, an Appellate Authority (AA) in terms of the Act, has been appointed. The chairman at Head office, Gandhinagar is the Appellate
Authority. Wherever appeals against the order of CPIO/SPIO's are filed, the same shall be disposed off within 30 days. In exceptional cases if there are
sufficient reasons / cause for doing so the appeal can be disposed off in 45 days. The AA may call for the documents and views of CPIO /SPIO when
deciding the appeals.
The list of SPIOs and CPIOs along with the particulars of appellate
authority with their Names, addresses, Telephone and Fax nos with Email Address is available on the Website of theBank.
The applicant can seek information by making an application
along with payment of prescribed fees of rupees ten by way of cash against proper receipt or by demand draft, Indian Postal Order or bankers
cheque payable in favour of the Bank. He is also required to pay expenses incurred by the Bank in providing the information/ inspection of
records. The rates of fees and expenses as prescribed under the Rules are given below: -
Rs. 10/- while making application for obtaining
Rs.2/-per page for providing information created / copied in
Actual charges/ cost- for copy in large size paper or for
samples or models
Nil fee for the first hour and
Rs. 5/= for every 15 minutes thereafter while permitting inspection of records.
Rs.50/= for providing
information in diskette or floppy. Actual for providing information in printed form. Rs.2/= per page for photocopy of extracts from the
The SPIO/CPIO on receipt of application shall issue the
receipt of application fees if received in cash.
3.1 Obligation of the Bank to publish information
The Act requires the Bank to publish information and update
the same every year. It also required to provide as much information suo-motos to the public at regular intervals through various means of
communications including internet so that public have the minimum resort to use this Act. Accordingly following information is
i) The particulars of its organisation, functions and
Dena Gujarat Gramin Bank came
into existence following issuance of Notification No. 1(2)/2001-RRB dated 12th September, 2005, amalgamating Kutch Gramin Bank,
Banaskantha Mehsana Gramin Bank and Sabarkantha Gandhinagar Gramin Bank into a single regional rural bank called Dena Gujarat Gramin Bank by
Government of India, Ministry of Finance, Department of Economic Affairs (Banking Division), New Delhi.
With 143 branches across Kutch,
Banaskantha, Mehsana, Patan, Sabarkantha, Gandhinagar and Ahmedabad Districts , we are always ready to serve our customers, and to offer them the
best of the banking products and services. Our website displays diverse information on the Bank with regard to organisation structure, corporate
profile, network, product and services and balance sheets etc. The general public can access to our Banks website for their information. This can
also be provided by the CPIO & SPIO on a specific request being made by the public. Some of the information on deposits, advances and schemes
are as under:
The Bank accepts deposits from the general public. The
various Deposit Schemes prevalent in the Bank are as under :
It is the discretion of the Bank to lend or not as per the
laid down norms and mere eligibility of the Applicant to avail loan under any scheme of the Bank does not entitle him as a matter of right to
claim loan facility from the Bank.
II) The powers and duties of its officers and
The Board of Directors of the
Bank has delegated the powers to various level functionaries in the Bank for conducting Bank`s business. The powers are delegated with an
objective to stimulate business development and to expedite decision making process at various levels. While delegating the powers, the increased
volume of business environment, to facilitate the field functionaries to be market oriented and effective are considered. The powers are vested
with various functionaries at different levels which includes powers to sanction loan and credit facilities, matters relating to Customer
services, expenditures, administrative powers and in personnel matters. Though power to sanction loan is vested with the various officials of the
Bank, but decision to sanction loan is considered on merits and as per the policy and guidelines of the Bank. Mere eligibility of the applicant
to avail loan does not confer upon him or create right to receive loan from the Bank. Thus, whether to sanction a loan or not is in the absolute
discretion of the concerned sanctioning authority of the Bank.
iii) The procedure followed in the decision making
process, including channels of supervision and accountability;
The Bank has laid down the
policy and guidelines in various areas like Credit, Risk Management, Loan Recovery, Investments, Customer Service, Assets Liability Management,
HRD Practices etc. The Bank has also grievances redressal mechanism at Branch/Regional/Head Office levels. The supervision of various activities
of the Bank is carried out at Branch level, Regional Office level and Head Office level which includes supervision through periodic Audit and
inspection and visit by the inspecting and senior officers of the Bank in the Branches. For the complaints and irregularities received by the
Bank, the necessary enquiry and investigations are made and suitable action as is required in the circumstances of the case is taken.
iv) The norms set by the Bank for the discharge of
The Bank has provided norms and
has issued guidelines and the power structure for conducting Bank`s business and the discharge of its functions.
The Head office of the bank
decides the rates to be offered by the Bank for the deposits of different tenures, loans and advances, introduction of various loan products.
These details are available with our administrative offices as well as branches.
Bank has introduced Dena Gujarat Gramin Bank Kisan Credit
Scheme for farmers to help them to avail loans and financial benefits from the bank.
V) The rules, regulations, instructions, manuals and
records, held by it or under its control or used by its employees for discharging its functions:
The Bank issues rules, guidelines and instructions by way of
Circulars, Letters and other communications for conducting the business of the Bank to its officials.
Vi) Statement of the categories of documents that
are held by it or under its control:
The Bank hold documents and preserves its records which are
important in nature which includes Minutes of Board meetings & various Committee meetings, Loan documents, Security documents, Lease
Agreements of the premises, Cheques, Vouchers, Ledgers, Numbered items like transfer of money advises, Drafts, Pay Orders, etc.
Vii) 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
There is no arrangement for consultation with members of
public while formulating the policies of the Bank. However, Bank at various levels are holding periodic customers service committee meetings and
getting feedback from its customers and constituents. Such feedback, views and suggestions received by the Bank are considered while formulating
Viii) A statement of the
boards, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advise, and as to whether
meetings of those boards, committees and other bodies are open to public, or the minutes of such meetings are accessible for public
The meetings of the Board of Directors of the Bank and the
various Committees constituted by the Board/Bank are regularly held at periodic intervals. Such meetings are neither open to the public nor
minutes of such meeting are accessible to the public. Public cannot be provided such records which are confidential in nature and are not
accessible to the public.
Ix) A directory of its officers and
The Bank has 570 employees as of
31st March, 2008. Since the number of employees is quite large and are subject to transfers, it is not possible for the Bank to
publish the list of Officers / Employees and keep the same updated frequently. Any person interested in seeking the information about any Officer
or Employee can approach the Head Office, Gandhinagar.
The number of its Officers Scale-wise and grade and other
Staff is as under:
No. of Employees
Senior Managers - Scale - II
Officers - Scale - I
X) The monthly remuneration received by each of its
officers and employees, including the system of compensation as provided in its regulations:
The salary to the officers in the Bank are paid in terms of
the Officers Service Regulations and the pay scales of Officers in different category are as under:
Scales of Pay ( w.e.f. 01/11/2007 )
Scale I -Rs.14500 – 600 x 7 – 18700 – 700 x 2 – 20100 – 800 x 7 –
Scale II -Rs.19400 – 700 x 1 – 20100 – 800 x 10– 28100
Scale III-Rs.25700 – 800 x 5 – 29700 – 900 x 2 – 31500
It may be mentioned that the pay scales referred above have
been revised under the 9th wage settlement.
The pay scale of the award staff governed by the Bipartite
settlement are as under :
Clerical Staff( w.e.f. 01/05/2010 )
7200 - 400 X 3 - 8400- 500 X 3 – 9900– 600 X 4 –
12300 – 700 X 7 – 17200– 1300 X 1 – 18500 – 800 X 1 - 19300 (20 years)
Subordinate Staff( w.e.f. 01/05/2010 )
5850 - 200 X 4 - 6650- 250 X 5
– 7900 – 300 X 4 – 9100 – 350 X 3 – 10150 – 400 X 3 – 11350 (20 years).
Xi) The budget allocated to each of its agency,
indicating the particulars of all plans, proposed expenditures and reports on disbursements made:
There are no plans and budget for expenditures and
disbursements of public money. However, targets are allotted on business parameters to various functionaries in the Branches, Regional Offices
and Head Office.
Xii) The manner of execution of subsidy programmes,
including the amounts allocated and the details of beneficiaries of such programmes;
The Bank do not formulate any schemes for granting
subsidies. However, Bank implements and executes various programmes and policies formulated by the Central Government and the State Governments
which contains subsidies under various Government sponsored and Social upliftment Schemes.
Xiii) Particulars of recipients of concessions,
permits or authorisations granted by it:
Bank do not have any programme for grant of concessions,
permits authorisations etc.
Xiv) Details in respect of the information,
available to or held by it, reduced in an electronic form;
All general informations regarding deposits, advances and
its dates, product and services are available on the Banks website.
Xv) The particulars of facilities available to
citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use:
Bank do not maintain any Library or reading room for the
public use. The public can approach the local branches, local Regional Offices, CPIO / SPIO, Customer Services Cell as well as can use the number
available on the website of the Bank to obtain information.
Xvi) The names, designations and other particulars
of the Public Information Officers:
The Bank has appointed all
Branch Heads as State Assistant Public Information Officers. The Regional Managers at various centres have been appointed as SPIO for their
respective areas . The CPIOs have been appointed by the Board of Directors of the Bank.
The particulars like, names,
address & telephone nos. etc. of CPIOs, SPIOs, SAPIOs and location of Branches are also available on the website of the Bank.
The Customers & Citizens can approach our Branches,
Regional offices, Head offices to send their application or to seek the information.