Harshwardhan Tyagi, who runs a Kirana shop at his Sewa Nagar residence, has not been able to withdraw ₹2.5 lakh -- the withdrawal limit permitted for marriages -- from the bank for his daughter’s wedding on December 1. He says he also has to make arrangements for the ‘sagai’ (engagement) on November 30 and the bank has not given a positive response so far.
“I went to the district magistrate and then to the lead bank manager’s office but he was not in his office. I called him on phone but he replied that he has to first cater to those who have marriages in November. I think he doesn’t know that arrangements for a wedding is done beforehand and not a day before. Now, our problems are piling up,” he says.
Ramanand Goel of Govindpuram has similar issues.
“I have my daughter’s marriage on November 26. I visited my branch at Govindpuram thrice and gave my application. But the bank officials told us they don’t have cash. Now, I can withdraw only ₹2,000 from an ATM and I’ll have to send people to stand in the queue,” he says.
On November 19, the Ghaziabad district magistrate (DM) held a meeting with bank officials and asked them to expedite the process of helping families with weddings at home. The DM had directed that a person should have a know your customer (KYC) compliant account with a bank and also produce a pan card and wedding invitation cards from the side of the bride and the bridegroom along with an affidavit.
Those who were able to withdraw cash said they had to spend nearly five to six hours at bank branches as banks sent the documents to their regional office for approval.
“I withdrew ₹1.6 lakh as per my requirement. It took a lot of effort to stand in a queue and produce my documents before the bank officials. Then, they sent the documents to the regional office for approval. I had to wait till then... it took nearly six hours to complete the entire process and get cash,” Jugal Kishor of Shalimar Garden said.
“I would request the authorities to look into the issue and expedite the process. Approvals from the regional office should also be expedited. A person who is having a marriage at home cannot spend the entire day at the bank. He/she has to devote time for other arrangements too,” he said.
However, lead bank manager RS Meena, from Syndicate Bank, said the situation of cash availability with banks is improving gradually.
“We will have to take up the issue on a case to case basis. The situation is improving and those applying for cash for marriage expenditure will be given the amount soon. So far, we don’t have any data on the number of customers who have been given the amount on account of marriages at home,” Meena said.