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Notice Board for Customers
Citizens Charter
Right to Information Act 2005
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Right to Information Act 2005
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1 Salient features of the Act

1.1 The Right to Information Act 2005 (RTI) has come into effect from 12.10.05. It confers right to every citizen to obtain information. It applies to Nationalized Banks.

1.2 An applicant making request for information shall not be required to give any reason for requesting the information or any other personal details except those that may be necessary for contacting him.

1.3 The citizens can seek information which is available with the Bank in form of records, documents, memo, email, papers, etc

2. Appointment of Central Public Information officer (CPIO)

2.1.Bank has designated all Dy. Zonal Managers who are in the rank of Asst.General Manager as Central Public Information Officers to decide the applications/ request pertaining to the branches under the Zone.
2.2. Bank has designated all Zonal Managers who are in the rank of Asst. General Manager as Central Public Information Officers to decide the applications/ request pertaining to the branches under the Zone.
2.3. Dy. General Manager (HRM) at Head office, Mumbai will act as the Central Public Information Officer to   consider and decide the applications received from the citizens under the Act, pertaining to various Departments at HO, GM Office Gujarat, IFB Ahmedabad, ARB Ahmedabad, IFB Mumbai, ARB Mumbai, Corporate Business Branch, Mumbai.
2.4 All Branch Heads have been designated as Central Assistant Public Information Officers (CAPIO) to receive the applications and forward to the concerned Central Public Information Officer

3. First Appellate Authority.

To hear the Appeals against the orders passed by CPIO, a First Appellate Authority (FAA) in terms of the Act, has been appointed.
3.1. First Appeal  against decision of  Deputy  Zonal Manager as CPIO will be decided by the respective  Zonal Manager as the First Appellate Authority.
3.2. First Appeal against decision of  the Zonal Manager as CPIO will be decided by the respective  Field General Manager as the  First Appellate Authority.
3.3. First Appeal against decision of Dy. General Manager (HRM) & CPIO will be decided by General Manager (RML) as the First Appellate Authority.
Wherever Appeals against the order of CPIO 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 FAA may call for the documents and views of CPIO before deciding the First Appeal.


4. Fees and Expenses payable:

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 or Bankers Cheque or Indian Postal Order payable in favour of Dena 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 information.

Rs.2/-per page for providing information created / copied in A4/A3size

Actual charges/ cost- for copy in large size paper or for samples or models

4.1 Obligation of the Bank to publish information suo-moto

The Act requires the Bank to publish information and update the same every year. It also required to provide as much information suo-moto 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 published

i) The particulars of the Organization, functions and duties;

Dena Bank was founded on 26th May, 1938 by the family of Devkaran Nanjee under the name “Devkaran Nanjee Banking Company Ltd.” It became a Public Ltd. Company in December 1939 and later the name was changed to Dena Bank Ltd. In July 1969, Bank along with 13 other Banks was nationalized and is now a Public Sector Bank, constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970. Under the provisions of the Banking Regulations Act 1949, in addition to the business of banking, the Bank can undertake other business as specified in Section 6 of the Banking Regulation Act, 1949.

With over 1291 branches and 545 ATMs as across the country, we are always ready to serve our customers, and to offer them, the best of the technology-enabled banking products and services. Our website displays diverse information on the Bank with regard to organization structure, Corporate profile, network, product and services and balance sheets etc. 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:

Deposits :

The Bank accepts Deposits from the general public. The various Deposit Schemes prevalent in the Bank are as under :

Premium Savings Account, Premium Current Account, Dena Jeevan SB Account, Dena Mahatax Bachat Yojana, Dena Super Premium Current Account, Dena Savifix Deposit, Dena Freedom Deposit, Dena Samruddhi Deposit, Dena Fixed Deposit, Dena Senior Citizen, Dena Recurring Deposit, Dena Loan Linked Recurring Deposit, Dena Minor Savings Scheme, Dena Alpa Bachat Khata, Dena Cash Certificate

Loans and Advances :

The Bank provides Loans and Credit facilities to the general public. The Retail Loan Schemes prevalent in the Bank are as under:

Dena Niwas Housing Finance Scheme, Dena Vidya Laxmi Educational Loan Scheme, Dena Suvidha (Personal Loan) Scheme, Dena Auto Finance Scheme, Dena Consumer Durable Loan, Dena Trade Finance Scheme, Dena Mortgage Loan Scheme, Dena Senior Citizen Pensioners Loan Scheme, Dena Rent Scheme.

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 Employees:

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 its functions:

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.

With the objective of focussed attention on providing credit to MSME sector, Dena Bank has designated 91 Branches as specialised SME Branches. The Specialised Branches also provide normal Banking services to our customers.

Bank has sponsored 2 RRBs namely Dena Gujarat Gramin Bank in the State of Gujarat and Durg Rajnandgaon Gramin Bank (DRGB) in the State of Chhattisgarh.

Dena bank has introduced Dena Kisan Gold Credit Cards for farmers to help them to avail loans and financial benefits from the bank.

Bank has an Industrial Finance Branch at Mumbai and Ahmedabad to finance large exposures and to provide composite credit and other banking needs including forex transactions.

The Bank has also opened Corporate Business Branches at Mumbai, Delhi, Kolkata and Chennai which are functioning as One Stop Financial Super Market for corporate clients granting wide variety of Products and services tailored to their specific needs.

Products & Services:

Bank is proud to offer a range of sophisticated banking services by way of Any-branch banking, Multi City cheque, Dena ATM's, Dena-SBI Cards, online remittance, Internet Banking, Mobile banking, Tele banking, Online utility Bill Payment, Value added Service through ATM, Kiosks, RTGS.

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. The said guidelines are also contained in the manual of instructions, discretionary power booklet for conducting Bank`s business.

Vi) Statement of the categories of documents that are held by it or under its control:

The Bank holds 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, Manual of Instructions, Discretionary Power Booklet, 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 the policies. The shareholders of the Bank can also raise issues concerning the policies in the Annual General Meetings. The Bank's quarterly and annual results are published in the newspaper as well as its website for the information of the public and shareholders.

Viii) A statement of the Boards, Councils, 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, Councils, 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 are regularly held at periodic intervals. Such meetings are neither open to the public nor minutes of such meetings are accessible to the public. Public cannot be provided such records which are confidential in nature and are not accessible to the public. However, records or minutes of customer committee meetings is accessible to the public and can also be inspected.

 
ix) A directory of its officers and employees:

The Bank has 12983 employees as on 31.03.2014.

The number of employees scale-wise is as under:
 

Cadre/GradeNo. of employees
General Manager - Scale - VII14
Dy. General Manager - Scale - VI37
Asst. General Manager - Scale - V124
Chief Manager - Scale - IV417
Senior Manager - Scale - III644
Manager - Scale - II1533
Officer - Scale - I2639
TOTAL OFFICERS5408
Clerks5305
Sub-Staff1916
Part-time employee (PTC)354
TOTAL EMPLOYEES12983

 

X) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations:

The salaries 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.14500-600/7-18700-700/2-20100-800/7-25700


Scale II -Rs.19400-700/1-20100-800/10-28100

Scale III-Rs.25700-800/5-29700-900/2-31500

Scale IV -Rs.30600-900/4-34200-1000/2-36200

Scale V -Rs.36200-1000/2-38200-1100/2-40400

Scale VI-Rs.42000-1200/4-46800

Scale VII-Rs.46800-1300/4-52000

It may be mentioned that the pay scales referred above have been revised under the wage/salary settlement dated 27.04.2010.Till the service Regulations are amended and revised pay scales are implemented, the Officers are being paid arrears / difference of salary on adhoc basis.

The pay scale of the award staff governed by the Bipartite settlement are as under :


Clerical Staff

7200-400/3-8400-500/3-9900-600/4-12300-700/7-17200-1300/1-18500-800/1-19300 (20 years)

Subordinate Staff

5850-200/4-6650-250/5-7900-300/4-9100-350/3-10150-400/3-11350 (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 toll free number available on the website of the Bank to obtain information.

 

Xvi) The Customers & Citizens can approach our Branches, Zonal Offices, Head Office to send their application or to seek the information.

The names, designations and other particulars of the Public Information Officers:

Sl No.

Zone and Address

CPIO & Contact

FAA & Contact

1

Ahmedabad

Dena Laxmi Bldg, 188-A, Ashram Road,
Ahmedabad - 380009,

Dy.Zonal Manager

079-26587843

Email: zo.ahmedabad@denabank.co.in

 

Zonal Manager

079/26584729
Fax-26580864
Email:
zo.ahmedabad@denabank.co.in

 

2

Bangalore

PSR Vishishta Dhama,
No. 38 12th Cross Near CBI Office Ganganagar North,
Bangalore 560 032,

Dy.Zonal Manager

080-23555506

Email: zo.bangalore@denabank.co.in

 

Zonal Manager

080-23555500/01/02
Fax – 2355550404
Email:
zo.bangalore@denabank.co.in

 

3

Bhavnagar

Dena Bhavan,
Lokhand Bazar,
Bhavnagar - 364 001
Gujarat

Dy.Zonal Manager

0278-2439724

Email: zo.bhavnagar@denabank.co.in

 

Zonal Manager

(0278) 2439724
(0278) 2439779
(0278) 2423964
Fax (0278)2427005
Email:
zo.bhavnagar@denabank.co.in

 

4

Bhopal

Plot No. 274, Zone -II,
M. P. Nagar,
Bhopal - 462016,

Dy.Zonal Manager

0755-2769083

zo.bhopal@denabank.co.in

 

Zonal Manager

0755-2559081-85
Fax - 2559084,
Email:
zo.bhopal@denabank.co.in

 

5

Bhuj

Shri Muktjeevan Swamibapa Smruti Bhavan,
1st Floor, Opp. G K General Hospital,
Lotus Plot,Bhuj - 370001

Dy.Zonal Manager

02832-221064/222975

Email: zo.bhuj@denabank.co.in

 

Zonal Manager

02832/221064,02832/223467
Fax - 02832 250466
zo.bhuj@denabank.co.in

 

6

Chennai

BKR Convention Centre,32,Venkatesan Street,
T-Nagar
Chennai - 600 017

Dy.Zonal Manager

044-24314570

Email: zo.chennai@denabank.co.in

 

Zonal Manager

044 - 24330438,24311241
Fax - 044 - 24330448
Email:
zo.chennai@denabank.co.in

 

 

7

Durg

1st Floor, Surana Complex , Station Road,
Durg – 491001 (C G)

Zonal Manager

0788-2292992
Email :
zo.durg@denabank.co.in

 

Field General Manager
(East India Operations)
5th floor. Mangal Kalash,
2-A, Shakespeare sarani,
Kolkata – 700071

gm.eio@denabank.co.in

 

8

Gandhinagar

Dena Laxmi Building
1st floor, Plot No. 320-321, Sector-16,GH-4
Gandhinagar-382016, (Gujarat)

Dy.Zonal Manager

079-23220144

Email: zo.gandinagar@denabank.co.in

 

Zonal Manager

(079) 23220144
(079) 23220154
(079)23220155
Fax (079)23220143
Email:
zo.gandinagar@denabank.co.in

 

 

9

Hyderabad

Uma Asishwarya House,
8-2-502/AG, 1st Floor,
Road No.7, Banjara Hills,
Hyderabad - 500 034

 

Zonal Manager

(040-23353600 to 03)
Email :
zo.hederabad@denabank.co.in

 

Field General Manager
(Maharashtra Operations)
Sharda Bhavan
Opp NMIMS, V. Mehta Road
JVPD Scheme, Vile Parle West
Mumbai :400056

gmo.mum@denebank.co.in

 

 

10

Jaipur

B-12, Business avenue, 5th fl., Govind marg, Near Barafkhana, Adarsh NagarJaipur – 302004

Zonal Manager

0141-2605069 / 2605070/ 2605071
Email :
zo.jaipur@denabank.co.in

 

Field General Manager
(North India Operations)
Bank of Baroda Building,
16 Parliament Street,
New Delhi – 110001

gmo.del@denabank.co.in

 

11

Kolkata

5th floor. Mangal Kalash, 2-A,Shakespeare sarani, Kolkata - 700071

Dy.Zonal Manager

033-22873669

Email: zo.kolkata@denabank.co.in

 

Zonal Manager

033-22873860
033-22873669
Fax - 22870393
Email:
zo.kolkata@denabank.co.in

 

12

Lucknow

28- A Pravin House, Vidhan Sabha Marg,
Lucknow - 226001

Dy.Zonal Manager

0522-2610950

Email: zo.lucknow@denabank.co.in

 

Zonal Manager

0522-2611615, 2615413,
Fax - 2614814
Email:
zo.lucknow@denabank.co.in

 

13

Ludhiana

3rd floor, SCO - 17, 18 Sector 32A,
Chandigarh Road, Ludhiana
Punjab

Zonal Manager

0161-2622102
Email :

zo.ludhiana@denabank.co.in

 

 

 

Field General Manager
(North India Operations)
Bank of Baroda Building,
16 Parliament Street,
New Delhi – 110001

gmo.del@denabank.co.in

 

14

Mehsana

2nd Floor, Sriram Complex,Radhanpur Road.
Mehsana - 384002

Dy.Zonal Manager

02762-251433

Email: zo.mehsana@denabank.co.in

 

Zonal Manager

02762-251433
Fax - 02762 - 250874
Email:
zo.mehsana@denabank.co.in

 

15

Mumbai City

Mumbai Main Office Bldg.No.1, 2, Horniman Circle, Fort,
Mumbai - 400023

Dy.Zonal Manager

022/22692179

zo.mumbaicity@denabank.co.in

 

Zonal Manager

022-22662466
022-22661819
Fax - 022-22666831
zo.mumbaicity@denabank.co.in

 

 

16

Mumbai Suburbs

Sharda Bhavan, Opp. NMIMS, Sir.V.M. Rd.,JVPD Sch.,Vile Parle West
Mumbai - 400 056

Dy.Zonal Manager

022-26143056

zo.mumbaisub@dnabank.co.in

 

Zonal Manager

022-26142826
022- 26145352
Fax - 022-26145322
zo.mumbaisub@dnabank.co.in

 

17

Nagpur

Mytri Willows

2nd floor,opp:shukrawari lake, Sir Benzonji Mehta Marg,Near Empress Mall,Nagpur

440 018

Zonal Manager

0712-2549856 / 857 / 858
zo.nagpur@denabank.co.in

 

Field General Manager
(Maharashtra Operations)
Sharda Bhavan
Opp NMIMS, V. Mehta Road
JVPD Scheme, Vile Parle West
Mumbai :400056

gmo.mum@denebank.co.in

 

 

18

Nashik

Cawas Arcade, 2nd floor Shalimar,
Nashik-422 001

Dy.Zonal Manager

0253-2596160

Email: zo.nashik@denabank.co.in

 

Zonal Manager

0253-2594503
Fax - 0253-2597954
Email:
zo.nashik@denabank.co.in

 

19

New Delhi

4th Floor, Bank of Baroda Building, 6 Parliament Street,
New Delhi – 110001

Dy.Zonal Manager

011-23719678-85

Email: zo.newdelhi@denabank.co.in

 

Zonal Manager

011-23719682
011-23719685
Fax - 011-23719681
Email:
zo.newdelhi@denabank.co.in

 

20

North India

SCO-66, Second Floor, Sector- 11, Panchkula,Pin- 134 112

Dy.Zonal Manager

0172-2584825

Email:

zo.northindia@denabank.co.in

 

Zonal Manager

0172 - 2584825
Fax - 0172 - 2584826
Email:
zo.northindia@denabank.co.in

 

21

Patna

2nd floor, N P Towers
Near Colony Mor
Main road, Kankar Bagh
Patna – 800 020
Bihar

Zonal Manager

0612-3223536
Email :
zo.patna@denabank.co.in

 

Field General Manager
(East India Operations)
5th floor. Mangal Kalash,
2-A, Shakespeare sarani,
Kolkata – 700071

gm.eio@denabank.co.in

 

 

22

Pune

Madhav Chembers I, 398/A, Senapati Bapat Marg,
Shivaji Nagar
Pune - 411016

Dy.Zonal Manager

020-25654322/25652141

zo.pune@denabank.co.in

 

Zonal Manager

020-25654321,
020-25653387,
020-25672073,
Fax - 020- 25655644
zo.pune@denabank.co.in

 

23

Raipur

2nd Floor, LIC Investment Building - II,Behind LIC Divisional Office, Jeevan Bima Marg, Pandri, Raipur
(C.G) - 492004

Dy.Zonal Manager

0771/2536629

Email: zo.raipur@denabank.co.in

Zonal Manager

0771-2536629
Fax - 0771-2533008
zo.raipur@denabank.co.in

 

24

Rajkot

Dena Bank, Zonal Office, "Giriraj " First Floor Rajput Para, Main Road, Near Trikon Baugh
Rajkot - 360001

Dy.Zonal Manager

0281-2228003

Email:

zo.rajkot@denabank.co.in

 

Zonal Manager

0281-2226980
Fax - 0281-2223171
zo.rajkot@denabank.co.in

 

25

Surat

Shree Apts.1st flr. Near Makai Bridge Nanpura,
Surat - 395001.

Dy.Zonal Manager

0261-2470462

zo.surat@denabank.co.in

 

Zonal Manager

0261 - 2471082
Fax - 0261 -2471084
zo.surat@denabank.co.in

 

 

26

Thane

Pushpa Kiran, Gokul Nagar Opp. Jari Mari Mandir,
Thane (West) - 400601

Dy.Zonal Manager

022-21720164

 

zo.thane@denabank.co.in

 

Zonal Manager

022-21720127
Fax - 022-21720126
zo.thane@denabank.co.in

 

27

Vadodara

2nd floor, Pujer Complex, Subhanpura,
Vadodara- 390023

Dy.Zonal Manager

0265-2387625

zo.vadodara@denabank.co.in

 

Zonal Manager

0265 - 2387634
0265 - 2387627/8
Fax - 0265 -2387626
zo.vadodara@denabank.co.in

 



Area of Operation

CPIO & Contact

FAA& Contact

1.Departments in Head Office at Dena Corporate Centre Bandra Kurla Complex

2.Branches/offices directly reporting to Head office.

3.Policy decisions of the bank

Dy. General Manager(HRM)

Dena Corporate Centre, C-10, G-Block, 3rd Floor,Bandra Kurla Complex, Bandra (East), Mumbai-400 051

022-26545341

Email-legal@denabank.co.in

 

General Manger(RML)

Dena Corporate Centre, C-10, G-Block,Bandra Kurla Complex, Bandra (East), Mumbai-400 051

022-26545656

Email-legal@denabank.co.in

 


 





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