Right to Information Wiki Blog
Quick Reply: RTI Wiki blog — analysis, case-law summaries, and citizen guides on Right to Information Act 2005.
Latest RTI decision notes
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Airport Lounge Access India: The Hidden Fine Print
RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under the Reserve Bank - Integrated Ombudsman Scheme, 2026, which replaced RB-IOS 2021 from 1 July 2026. First complain to the entity. If there is no reply in 30 days (or the longer NPCI/card-network window, if it applies) or you reject the reply, file free at cms.rbi.org.in within 90 days. The Ombudsman can award up to Rs 30 lakh for consequential loss and up to Rs 3 lakh for time, expenses and harassment. Complaints received before 1 July 2026 stay under the 2021 scheme. Source: RBI FAQ, updated 1 July 2026 and the RB-IOS 2026 FAQ PDF dated 1 July 2026.
Quick Reply: Your credit card lounge benefit has three hidden gates: a spend threshold, a quarterly visit cap, and a voucher most banks now require before entry.
Last reviewed: 2026-06-23
You are at the airport early. Your credit card says you have lounge access. The desk turns you away. This happens because most card benefits have three hidden gates – a spend threshold, a quarterly visit cap, and a voucher your bank may now require before entry. Miss any one and you are standing outside looking in.
This guide explains exactly how each gate works, which cards have which, and what to do if you are wrongly refused.
State of CIC pending appeals — backlog snapshot (2026)
Quick Reply: Plain-English guide to the pending-appeals backlog at the Central Information Commission in 2026: why hearings are delayed, your rights under the RTI Act, how to track your case, and how…
If you have filed a second appeal with the Central Information Commission (CIC) and months have passed without a hearing notice, you are not alone. The Commission is carrying a large backlog of pending second appeals and complaints, and citizens routinely wait many months — sometimes more than a year — before a matter is even listed for hearing. This guide explains why the backlog exists, what the RTI Act actually entitles you to, how to track your case, and how to escalate when delay crosses into denial.
Citizen Crisis Response Network
Fast-track your RTI case or complaint using this checklist. Open the escalation planner →
Section 20 PIO penalty — when Rs 250/day applies
Quick Reply: Section 20 of the RTI Act imposes Rs 250 per day penalty on the PIO — capped at Rs 25,000 — for refusing without reasonable cause, delay beyond 30 days,…
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Section 20(1) of the RTI Act 2005 empowers the Central / State Information Commission to impose a penalty of Rs 250 per day of delay, subject to a cap of Rs 25,000, on a Public Information Officer who (a) refuses to receive an RTI application, (b) fails to respond within Section 7(1), © malafidely denies information, (d) provides incorrect / incomplete / misleading information, or (e) destroys information. The penalty is recovered from the PIO's personal salary. Section 20(2) additionally empowers the Commission to recommend disciplinary action. Hearing opportunity under the proviso is mandatory; due-diligence is a defence.