Bank Locker Guidelines: Banks provide locker facilities to customers for the safety of their belongings. In exchange for the facility of this locker, banks also charge fees from people.
If you have taken a bank locker or are planning to take a bank locker for new customers. So banks across the country provide you many types of facilities. Money can be deposited there by opening an account in the bank. Apart from this, bank locker facility is also provided by banks. Bank lockers are used to keep jewelery and valuables or important documents. But do you know who will be responsible if your jewelery is stolen from the bank locker? Will you be responsible or will the bank be responsible? Complete information is being given to you here.
Locker facility is provided by banks across the country for the purpose of security of the customers. In exchange for the facility of this locker, banks also charge some fees from the people. At the same time, bank locker is considered very safe, but many such cases have also come to light in which only the goods kept in the bank locker have been stolen. Let us tell you that in some cases no one is responsible for the goods kept in the bank locker and in some cases it becomes the entire responsibility of the bank.
Banking locker agreement
Actually, banks give you lockers on rent. The bank is not responsible for theft of whatever 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 disaster (rain, fire, earthquake, flood, lightning) or rebellion, war, riot, then in any such situation any money kept in the bank locker will be Also not responsible for the content.
It is written in the bank locker agreement that the bank is providing 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 what is kept in the locker. However, from January 2022, some rules were made for bank lockers through RBI. Under these rules, banks cannot say that they have no responsibility for the items kept in the locker.
RBI rule
According to the new rules of RBI, in case of theft, fraud, fire or building collapse, the bank will be responsible for the amount up to 100 times the annual rent charged by the bank. Along with this, banks will also have to take all necessary steps regarding security. Whenever the customer’s locker will be 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 banks that do not follow these rules.
