If you have taken bank locker or are planning to take bank locker for new customers. So banks across the country give you many facilities. Money can be deposited there by opening an account in the bank. Apart from this, the facility of bank locker is also provided by the banks. Bank lockers are used to keep jewelery and valuables or important documents. But do you know who will be responsible if your jewelry gets stolen from the bank locker? Will you be responsible or will the bank be responsible? Here you are being given complete information.
Locker facility is provided by the banks across the country for the purpose of customer facing security. In exchange for the facility of this locker, banks also charge some fees from the people. At the same time, the bank locker is considered very safe, but many such cases have also come to the fore, in which only the goods kept in the bank locker have been stolen. Explain that in some cases no one is responsible for the goods kept in the locker of the bank and in some cases the full responsibility of the bank becomes.
banking locker agreement
Actually, banks give you lockers on rent. The bank is not responsible for the theft of what is kept in that locker. In this regard, an agreement is also made with the locker keeper on behalf of the bank. It is also written in this agreement that if the bank goes out of control in the event of natural calamity (rain, fire, earthquake, flood, lightning) or insurrection, war, riot, then in any such situation any money kept in the bank locker Also not responsible for the content.
It is written in the bank locker agreement that the bank is giving you the facility of locker and the bank will take care of the complete security of the goods kept inside the locker. However, the Bank is not responsible for the contents of the locker. However, from January 2022, some rules were made for bank lockers through RBI. Under these rules, banks cannot say that they are not responsible for the contents of the locker.
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RBI rule
According to the new rules of RBI, in case of theft, fraud, fire or building collapse, the bank will be responsible for an amount up to 100 times the annual rent charged by the bank. Along with this, banks will have to take all necessary steps regarding security as well. On the other hand, whenever the locker of the customers is opened, it will be mandatory to send its alert to the customers through e-mail or message through the bank. Strict action will be taken against the banks that do not follow these rules.
Source: www.tv9hindi.com”
