Right to Information Act, 2005

Transparency and accountability in serving the people of Meghalaya.

About RTI at Meghalaya Rural Bank

The Right to Information Act, 2005 (RTI Act) mandates timely response to citizen requests for government information. As a Regional Rural Bank sponsored by SBI and owned by the Government of India, Government of Meghalaya, and State Bank of India, Meghalaya Rural Bank is a "Public Authority" under the RTI Act.

We are committed to providing citizens access to information under the control of the bank, promoting transparency and accountability in our operations.

Designated Authorities

Central Assistant Public Information Officer (CAPIO)

For receiving and forwarding RTI applications

Name/Designation: Branch Manager

Address:
Meghalaya Rural Bank, (Concerned Branch),

Email:

Central Public Information Officer (CPIO)

For initial RTI applications

Name/Designation: K. Thapa, Sr. Manager (Compliance)

Address:
Meghalaya Rural Bank, Head Office,
Barik Point, Shillong, Meghalaya - 793001

Email: compliance@meghalayaruralbank.bank.in

First Appellate Authority (FAA)

For appeals against CPIO decisions

Name/Designation: E. Blah, General Manager

Address:
Meghalaya Rural Bank, Head Office,
Barik Point, Shillong, Meghalaya - 793001

Email: gm1@meghalayaruralbank.bank.in

Application Procedure

1

Draft the Application

Write your application in English, Hindi, or the official language of the area. Be specific about the information you are seeking.

2

Attach the Fee

A standard fee of ₹10/- is required. Pay via Bankers Cheque payable to "Meghalaya Rural Bank".

3

Submit

Send the application along with the fee to the CPIO at the Head Office via registered post, speed post, or hand delivery.

Exemptions from Disclosure

Under Section 8 of the RTI Act, certain information is exempt from disclosure. This includes, but is not limited to:

  • Personal information of customers (account details, balances) which invades privacy.
  • Information of commercial confidence, trade secrets, or intellectual property.
  • Information held in a fiduciary relationship (e.g., trust between bank and customer).
  • Information that would endanger the life or physical safety of any person.

Suo Moto Disclosure

Information disclosed proactively under Section 4 of the Right to Information Act, 2005.

Section
(RTI Act 2005)		 Sl. No. Particulars / Description Information
4(1)(b) i The particulars of its organisation, functions and duties
  • Address: Click Here
  • Overview: Click Here
  • Administrative Unit / Functional Heads: Click here
  • Vision & Mission: Click here
  • Organisational Structure: Head Office • 3 Regional Offices • 12 Departments • 89 Branches • Assets Management Hub • 1 Learning Centre • 1 RSETI • Present in all 12 districts of the State.
  • Function and duties: RRB Act 1976: Click here. The duties of Officers and Employees are laid down by the Board and embodied in Meghalaya Rural Bank Officers and Employees Service (Amendment) Regulations 2024.
ii The powers and duties of its officers and employees All officers of the bank hold financial, administrative, and operational powers commensurate with their position, designation, and seniority, as decided by the Board and revised periodically in line with statutory and regulatory guidelines.
iii The procedure followed in the decision-making process, including channels of supervision and accountability Each officer follows clearly laid-down guidelines, procedures, and delegated powers for financial, administrative, and operational decisions. A significant number of decisions are taken collectively by internal committees duly vetted by the Board. Supervision follows a defined Supervisory Authority Chart. Accountability is guided by the Staff Accountability Policy in compliance with CVC and regulatory guidelines.
iv The norms set by it for the discharge of its functions The bank functions under the following core values:
  • Leadership in action
  • Innovation in thinking
  • Promptness in delivery
  • Update in knowledge
  • Transparency in dealing
v The rules, regulations, instructions, manuals and records held by it or under its control or used by its employees for discharging its functions Governing rules and regulations for all employees are framed in the gazette-notified "Meghalaya Rural Bank Officers and Employees Service (Amendment) Regulations 2024". Day-to-day functions are guided by Master Circulars based on Master Directions issued by regulators, supervisors, and appropriate government authorities, along with manuals, SOPs, and other official communications.
vi A statement of the categories of documents that are held by it or under its control
  • Board Meeting Minutes
  • Board Level Committee Meeting Minutes
  • Internal Committee Meeting Minutes
  • Bank Policies
  • Annual Reports & Annual CFS (Consolidated Financial Statements)
  • Documents executed by customers / borrowers / guarantors
  • Personal Files of employees
  • Contracts / Agreements with Third Party Service Providers
  • MOUs with State / Central Govt bodies / departments
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 The Board of Directors, comprising representatives from RBI, NABARD, Sponsor Bank, Central Government, and State Government (duly nominated by DFS, GOI), represent the public and contribute to the formulation and implementation of the bank's policies.
viii A statement of the boards, councils, committees and other bodies constituted as its part or for the purpose of its advice; and whether meetings of those bodies are open to the public, or their minutes are accessible There are 6 Board Level Committees formed for governance, oversight, and regulatory compliance, and 18 Bank Level Internal Committees to implement policies, manage day-to-day operations, and implement Board decisions. Committee meetings and minutes are not open to members of the public.
ix A directory of its officers and employees Click here
x The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations Click here
xi Budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made No such provision is applicable to the bank.
xii The manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes No such provision is applicable to the bank.
xiii Particulars of recipients of concessions, permits or authorisations granted by it No such provision is applicable to the bank.
xiv Details in respect of the information, available to or held by it, reduced in an electronic form All relevant information pertaining to products and services offered by the bank to the general public and customers is available on the bank's website: www.meghalayaruralbank.bank.in
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 Information may be sought from any of the bank's network of 89 branches across all 11 districts of the state, 3 Regional Offices, or the Head Office in Shillong. Contact details are available under "Branch Locator / Office Locator" on the bank's official website. RTI information may be sought from the respective CAPIOs (Branch Managers of each MRB branch).
xvi Names, designations & other particulars of Public Information Officers
  • CAPIOs: All Branch Managers of the respective bank branches
  • CPIO: Shri Kumar Thapa, Senior Manager Compliance, Head Office, Shillong-1
  • FAA: Shri Eleazer Blah, General Manager – Operations, Head Office, Shillong-1
xvii Such other information as may be prescribed Overview of the bank: Click here
4(1)(c) — Publish all relevant facts while formulating important policies or announcing the decisions which affect the public Policies, information, and announcements affecting members of the public are kept in folder form / notice board accessible in all bank branches, and are also hosted on the bank's website. They include:
  • Penal Charges Policy
  • Compensation Policy
  • Frequent Dishonour of Cheque Policy
  • Complaint Handling Policy
  • RTI Policy
  • Interest rates on Loans & Advances
  • Interest rates on Term & Demand Deposits
  • Insurance Schemes (PMJJBY / PMSBY / APY)
  • DEAF / Unclaimed Deposit
  • Bank's Products & Services

Also hosted at: Policies
4(1)(d) — Provide reasons for its administrative or quasi-judicial decisions to affected persons Available only in applicable cases.
4(3) — Every information shall be disseminated widely and in such form and manner which is easily accessible to the public Hosted on the bank's website: www.meghalayaruralbank.bank.in
4(4) — All materials shall be disseminated taking into consideration cost-effectiveness, local language, and the most effective method of communication in that local area; information should be easily accessible, to the extent possible in electronic format with CPIO, available free or at such cost of the medium or print cost price as may be prescribed Followed as per RTI Rules 2012.
- — Nature of functional services Our Bank provides a wide range of functional banking services aimed at meeting the financial needs of customers across rural and urban areas. The core nature of services includes acceptance of deposits such as Savings, Current, Fixed Deposit, and Recurring Deposit accounts, along with providing various advance facilities including agricultural loans, retail loans, MSME finance, housing loans, vehicle loans, and other credit products. The Bank also offers comprehensive digital banking services to ensure convenient, secure, and accessible banking for customers anytime and anywhere. These services include UPI, IMPS, NEFT, RTGS, Mobile Banking, Internet Banking, ATM services, QR-based payments, and digital transaction facilities. The Bank further facilitates Digital Instant Account Opening services, enabling customers to open accounts through simplified and technology-driven processes. In addition to banking operations, the Bank actively supports financial inclusion initiatives and implementation of various Government-sponsored schemes and social security programs. These include schemes such as Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), National Pension System (NPS), Direct Benefit Transfer (DBT) services, and other welfare-oriented initiatives introduced by the Government from time to time. The Bank continuously strives to provide efficient, customer-centric, technology-enabled, and inclusive banking services while promoting digital adoption, financial literacy, and economic development.