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This incident happened almost a year ago. I work for one of the public sector banks in Bangalore. One morning just as the business started, an immensely tensed guy came to me and told me that he had transferred an amount of Rs. 20,000 to a wrong person’s account number last evening. The amount, he told, was meant for his relative’s surgery which was required urgently. He said that he hailed from North East part of lndia and was working in Bangalore as a delivery boy for one of the food chains and had borrowed Rs.15,000 to send this money for an operation. He could not personally go and attend to his relative as his employer had put his salary on hold for the month because of a small road mishap on the company bike while making a delivery.

 

Though I could understand how critical the situation was for him, as a banker, in my right I could not reverse the erroneous credit to wrong account (technical and legal issues which require a person’s confirmation before debit of his/her bank account). To make things worse the person whose account was wrongly credited was located in Madhya Pradesh and had already withdrawn the full amount of Rs. 20,000 from his account. I immediately called the other person and informed him how he had withdrawn an amount which was erroneously transferred to his account and requested him to return the amount. He replied that he was unaware of any such credit and was out of town and would check his account statement after two days when he gets back.







The delivery boy, upon hearing this naturally lost hope of getting his money back and I could see the despair in his eyes. He was angry with himself for his carelessness while making the transfer and banged his fists gently on the wall. He just stood in front of me with sweat rolling down his face, trembling and helpless, far away from his home. With other customers impatiently waiting for me to attend to them and through all the clutter and noise in the banking hall, I could feel the agony he was going through at that moment.

 

After a few moments of consideration I made a decision and asked him the correct account number and immediately transferred Rs.20,000 from my personal account to his relative. Within the next 2 minutes he called his relatives and got a confirmation of the credit. And I didn’t know if the things the delivery guy had said were even true. But I decided to do it anyway, in good faith.

 

Pleasantly surprised at the turn of events, he assured me that he would repay me back in installments out of his monthly salary. With tears rolling down his cheeks he thanked me and said he would never forget my act of kindness.







Two days later I called up the other person in Madhya Pradesh. Fortunately, without any fuss he accepted that he had checked his account and the money did not belong to him. Immediately he transferred the amount back to the delivery guy’s account. I called the delivery guy and asked him to visit the bank. He withdrew Rs. 20,000 and handed it over to me. As I counted the amount, I handed over Rs. 5,000 back to him asking him to use the money to go back to his native place and attend to his sick relative. He hesitated saying that I had already done enough for him, but I insisted and he eventually accepted the money. With tears in his eyes again, he said he could not believe his good luck in such difficult moments. I patted his shoulder and told him to take home something from Bangalore for his siblings. He said he would remember me forever and left with a smile and disbelief on his face.

A week later he sent me images of his brother-in-law in hospital and a voice message saying that he was recovering well and thanked me for my very timely help.

So his story was true, and I was glad that I could extend timely help to him even if it was just in good faith. There was a great sense of fulfillment. Truly a soul satisfying experience.

~ Shared by Abhinav Yadav on Quora

(The story and pictures have been published with the permission of the owner and shall not be reproduced without links to this page or proper intimation )

 

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