Dear Editor,The Union Finance Minister inaugurated Doorstep Banking Services for Disabled and seniors on September 9, 2020, the details of which have been highlighted for the convenience ofpeople. The Union Finance Minister launched Doorstep Banking (DSB) Services through Universal Touch Points (UTP) under single umbrella- PSB Alliance. DBS is a banking reform under EASE, a Department of Financial Services to provide certain basic banking services to customers at their office or residence especially Senior Citizens, Differently-Abled persons and Infirmed (having medically certified chronic illness or disability) including those who are Visually Impaired to reduce loads on the branches.The DSB implementation will be supported by its agents in 100 major centers across the country for offering different financial as well as non-financial services. For efficient services, there is need of bit improvement in the scheme. It should be mandatory by authorised branches that all Disabled persons should be apprised of this scheme. In the scheme there is no mention of the collection of Life Certificate which is required to be given to bank in November, so it should be added in the scheme. Moreover, in the scheme there is mention of 15G/H but it is silent about form 16 or 16A which is required for the income tax return. A retired pensioner has to visit the bank branch twice a year, first in July to collect form 16 or 16A for ITR purpose and secondly in November for Life certificate and in the scheme both are missing.Yash Pal RalhanShiv Vihar, Jalandhar.
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