new postal assistant savings bank control organisation induction...

Postal AssistantPostal AssistantPostal AssistantPostal Assistant

Savings Bank Control OrganisationSavings Bank Control OrganisationSavings Bank Control OrganisationSavings Bank Control Organisation

Induction TrainingInduction TrainingInduction TrainingInduction Training

Trainee GuideTrainee GuideTrainee GuideTrainee Guide

PA PA PA PA –––– SBCO Induction training SBCO Induction training SBCO Induction training SBCO Induction training ---- Trainee GuideTrainee GuideTrainee GuideTrainee Guide

About India Post ........................................................................................ 3

Administrative setup ................................................................................. 5

Operative Network .................................................................................. 10

Accounting Network of Post Offices ........................................................ 14

Postal Manuals ........................................................................................ 15

Basic records / Registers ......................................................................... 17

IT Modernisation – INDIA POST 2012 .................................................. 19

Overview of the various Savings Schemes ............................................. 20

Savings Bank / Savings certificates ........................................................ 21

Know Your Customer (KYC) Guidelines ................................................ 38

SB - Deceased Claims– Settlement Procedure ....................................... 43

Savings Bank Control Organisation (SBCO) ......................................... 48

SBCO procedure – CBS environment ..................................................... 53

Finacle Menus ......................................................................................... 65

Prevention Of Frauds In CBS Offices ..................................................... 75

PMSBY & PMJJBY ................................................................................. 81

Atal Pension Yojana ................................................................................ 83

CCS (Conduct) Rules (1964) .................................................................... 85

Right To Information Act 2005 ............................................................... 91

Welfare Measures .................................................................................... 95

II

ABOUT INDIA POST

IntroductionIntroductionIntroductionIntroduction

We extend a warm welcome to you to the Postal family. The organization,

you have chosen to enter had a glorious past and a bright future with an

ambitious project about to be commissioned.

The Department has been the backbone of India‘s communication

network and core of the country‘s socio-economic development for the last 150

years. It touches the lives of every citizen, be it through mail, banking,

insurance, money transfer or retail service. As on 31.03.2015, it has a network of

154939 Post Offices in the country, the largest in the world, of which 139222 are

in rural areas.

The core activity of the Department is processing, transmission and

delivery of mail. Mail is collected from 5,17,890 letter boxes, processed by

network of Mail Offices and conveyed by rail, road and airlines all over the

country to reach the customers. Postal operations at the post office counter

encompass the entire gamut of basic postal services that include sale of stamps,

booking of registered articles, insured articles, value payable articles, remittance

of money through money orders, booking of parcels and Savings Bank

transactions. Traditionally, these services were being provided at manually

operated counters. Considering the vital need for providing benefits of technology

to customers, counter operations are now being progressively computerised to

provide a greater range of services to the customer from a single window.

With the spread of telephony, internet and modernised banking services,

citizens are used to new level of speed, transparency and quality. This has also

been the experience of other postal administrations in the world. In India,

customers of the postal service expect Department of Posts to provide a service

level similar to industry standards maintained by banks, insurance, express

industry, etc. This is the challenge that the Department faces today and you

have a greater role to play in fulfilling the customer aspirations through

dedicated, honest and efficient service.

3

Our VisionOur VisionOur VisionOur Vision

The vision of the organisation is

―India Post‘s products and services will be the customer‘s first choiceǁ

The vision, in its broader sense, means that customer will prefer our

products and services ahead of other similar options available in the industry. If

a customer has to prefer our products and services, the delivery mechanism of

our products and services has to be of a very high quality coupled with an

efficient after sales service. This requires that all of us should always strive to

achieve the standard of service that customer expects from us and sustain the

high standard achieved, always. For this to be realized, we should have a clear

understanding of the organisation structure, the functional levels, tasks

performed, operational procedures and be updated with latest changes. This

training will provide you the right inputs towards these objectives.

Our MissionOur MissionOur MissionOur Mission

Our mission underlines the steps to be taken towards achieving the vision

of the organisation. The mission is

• To sustain its position as the largest postal network in the world touching To sustain its position as the largest postal network in the world touching To sustain its position as the largest postal network in the world touching To sustain its position as the largest postal network in the world touching the lives of every the lives of every the lives of every the lives of every citizen in the country.citizen in the country.citizen in the country.citizen in the country.

• To provide mail parcel, money transfer, banking, insurance and retail To provide mail parcel, money transfer, banking, insurance and retail To provide mail parcel, money transfer, banking, insurance and retail To provide mail parcel, money transfer, banking, insurance and retail services with speed and reliability.services with speed and reliability.services with speed and reliability.services with speed and reliability.

• To provide services to the customers on valueTo provide services to the customers on valueTo provide services to the customers on valueTo provide services to the customers on value----forforforfor----money basis.money basis.money basis.money basis.

• To ensure that the employees are proud to be its main strenTo ensure that the employees are proud to be its main strenTo ensure that the employees are proud to be its main strenTo ensure that the employees are proud to be its main strength and serve gth and serve gth and serve gth and serve its customers with a human touch.its customers with a human touch.its customers with a human touch.its customers with a human touch.

• To continue to deliver social security services and to enable last mile To continue to deliver social security services and to enable last mile To continue to deliver social security services and to enable last mile To continue to deliver social security services and to enable last mile connectivity as a Government of India platform.connectivity as a Government of India platform.connectivity as a Government of India platform.connectivity as a Government of India platform.

You can observe that our mission, apart from stating the economic

objective, also tries to realize the potential of its employees, recognizing them as

a asset. The mission also underlines the social responsibilities through its

objective to deliver social security services connecting the last mile. This multi-

faceted approach makes India Post a viable entity in the life of the common man.

Our OrganisationOur OrganisationOur OrganisationOur Organisation

Our organisation is a large network of offices with a 4,60,457 strong

workforce delivering efficient Postal services across the country. This vast

organisation is managed through administrative units and services rendered

through operative units. You need to understand the various levels of

administrative hierarchy and the operative network to appreciate your

position in this network and the role you will play.

4

ADMINISTRATIVE SETUP

In the administrative setup, the apex is the Postal Services Board

(PSB). The Department functions under the Ministry of Communications and

Information Technology, Government of India. The head of the department is

Director General, Department of Posts who heads the Postal Services Board.

The Postal Services Board consists of 6 members and Joint Secretary &

Financial Advisor. The organisation setup at the Directorate is in the chart

below

Each member is assisted by DDGs and other staff in the day-to-day

functions. The Administrative setup from the Directorate down to Post offices is

shown in the chart below

5

The Department is territorially divided into 23 circles, each encompassing

one or more than one state and/or a union territory. A Circle is headed by Chief

Postmaster General (CPMG). The circle is divided into Regions each headed by a

Postmaster General (PMG).

Railway Mail Services (RMS) divisions. Postal divisions are in charge of the

Postal operations in their jurisdiction whereas the RMS divisions manage the

mail movement. Postal Divisions are headed by Superint

(SPOs)/ Senior Superintendent of Post offices (SSPOs)/. RMS Divisions are

headed by Superintendent of RMS (SRM)/ Senior Superintendent of RMS

(SSRM)/. Divisions can be under the jurisdiction of PMG or CPMG. The Postal

Divisions are divided into sub divisions headed by Inspector Posts (IP) or

Assistant Superintendent of Posts (ASP). Similarly, RMS subdivisions are

headed by Inspector Posts. In General each region may have a Postal Stores

Depot (PSD)., headed by a superintendent, cateri

stationery of the PO/RMS offices in the region. Each circle has Circle Stamps

Department is territorially divided into 23 circles, each encompassing



Postmaster General (PMG). Regions are further classified into Postal and



mail movement. Postal Divisions are headed by Superintendent of Post Offices




ivided into sub divisions headed by Inspector Posts (IP) or



Depot (PSD)., headed by a superintendent, catering to the needs of forms and


Department is territorially divided into 23 circles, each encompassing



Regions are further classified into Postal and



endent of Post Offices




ivided into sub divisions headed by Inspector Posts (IP) or



ng to the needs of forms and


6

Depot., headed by a superintendent which supplies stamps and Postal

stationeries to all offices in the Circle. The organisation chart below shows this

functional classification

Postal accounts offices (PAOs) consolidate the accounts of a circle. We

have 20 PAOs in the country.

The following is the list of Postal Circles.

SlSlSlSl CircleCircleCircleCircle HeadquartersHeadquartersHeadquartersHeadquarters Territorial Territorial Territorial Territorial jurisdictionjurisdictionjurisdictionjurisdiction

1 Andhra

Vijayawada Andhra Pradesh and Yanam

Pradesh

2 Assam Guwahati Assam

3 Bihar Patna Bihar

4 Chattisgarh Raipur Chattisgarh

5 Delhi New Delhi Delhi

6 Gujarat Ahmedabad Gujarat, Daman, Diu, Dadra &

Nagar Haveli

7 Haryana Ambala Haryana

8 Himachal

Shimla Himachal Pradesh

Pradesh

9 Jammu and

Srinagar Jammu and Kashmir

Kashmir

10 Jharkhand Ranchi Jharkhand

11 Karnataka Bangalore Karnataka

12 Kerala Tiruvananthapuram Kerala, Lakshadweep and Mahe

13 Madhya

Bhopal Madhya Pradesh

Pradesh

14 Maharashtra Mumbai Maharashtra and Goa

Arunachal Pradesh, Manipur,

15 North Eastern Shillong Meghalaya, Mizoram, Nagaland

and Tripura

16 Odisha Bhubaneshwar Odisha

7

17 Punjab Chandigarh Punjab, Chandigarh U.T

18 Rajasthan Jaipur Rajasthan

19 Tamilnadu Chennai Tamilnadu, Pondicherry (except

Yanam and Mahe)

20 Telangana Hyderabad Telangana

21 Uttar Pradesh Lucknow Uttar Pradesh

22 Uttarakhand Dehradun Uttarakhand

23 West Bengal Kolkata West Bengal, Andaman and

Nicobar islands and Sikkim state

A look into the history of Indian Post OfficeA look into the history of Indian Post OfficeA look into the history of Indian Post OfficeA look into the history of Indian Post Office

We are unable to exactly determine the origin of Indian Post Office. Even

though there is mention of Postmasters and messengers even during the Mogul

period of Mogul period in Indian History, we find that the Indian Post Office

acquired its identity during the British rule in India. While the British started

their commercial ventures in India and presidencies were established in Bengal,

Bombay etc., the Post Offices became very important part of the administration.

The Post Office used to carry mail as well as keep the rulers informed about the

various incidents in the kingdom. The Postmaster was thus a very important

pillar of the administration.

There were many native Postal systems in India at that time. The British

attempted to bring these systems under the Imperial Post Office but the move

was resented and resisted by the native rulers. There were private agents

running the mail service for some rulers too. With the Post Office Act passed in

1854, Indian Post Office came to have a legal sanctity. Subsequent acts made it

possible to integrate and expand the services of the Post Offices. In 1898, the

Post Office Act was passed which gave shape to the Postal system. Of course the

number of offices was very small. Some native Postal systems were integrated

with the Indian Post Office much later.

After independence, there was considerable growth in the network of the

Post Offices. Anybody who reads the Indian Postal History would be surprised to

see the loyalty of the staff, their desire to render valuable service to the

customers and the utility of the service. These included such services as

palanquin service to carry travellers or supply of quinine to fight against

malaria. It is the utility of the Post Office and the values and qualities of its

personnel which have helped the Post office to maintain its efficiency over

decades. The value of the Post office to the society even today cannot be

underestimated.

8

Some important dates in Indian Postal historySome important dates in Indian Postal historySome important dates in Indian Postal historySome important dates in Indian Postal history

� 1st July 1852 – Use of first Postage stamp (Scinde dawk) � 1854 – Indian Postal system came into existence

� October 1854 – Release of first Postage stamp for use throughout India � 1884 – Introduction of Postal Life Insurance

� 18th February 1911 – India became first country to carry mail by air (Allahabad to Naini)

� 1931 – Use of first pictorial stamp � 21st November 1947 – Release of first Postage stamp of independent India � 1972 – Introduction of Postal Index Number � 1982 – Centenary of Post Office Savings Bank � 1986 – Introduction of Speed Post

� 1995 – Introduction of VSAT money order system and Rural Postal Life Insurance

� 2004 – 150 years of India Post � 2008 – Commissioning Project Arrow

� 2010 – Introduction of Mail Network Optimisation Project

� 2012 – Commissioning India Post 2012 � 2017 – Launch of India Post Payment Bank

India Post logoIndia Post logoIndia Post logoIndia Post logo

The construct of the new logo is inspired by the fact that India Post carries

emotion across physical distance. At first glance, it is an envelope and at the

next glance, it is a bird in flight, unhindered and unrestricted. The following

bold strokes convey free flight.

The choices of colours are Red and Yellow. Red has been chosen for its

traditional association with the Postal Service. It embodies passion, power

and commitment. Yellow communicates hope, joy and happiness. Evidence of

the combination of the two colours is found across the country.

9

OPERATIVE NETWORK

We will now look at the operational network. Post offices collect mail and perform other financial transactions. The mail collected is moved to sorting offices. The sorting offices sort the mail according to destination and move them to the delivery Post Offices. The delivery Post offices deliver the mail. The Post offices are classified as

• Head Post Offices (Head office or HO)

• Sub Post Offices (Sub office or SO)

• Branch Post Offices (Branch office or BO)

The Head Post offices and Sub Post offices are in charge of departmental

officials whereas the Branch Post Offices are in charge of Gramin Dak Sevaks

(GDS).

Every Postal division comprises of one or more than one Head Post offices,

sub offices and branch offices. The operational network is such that the branch

offices report to a sub office/ head office and sub offices report to Head offices

daily.

Branch office:Branch office:Branch office:Branch office:

Branch Post Office (BO) is mostly located in rural areas. They operate for

minimum of 3 hours and maximum of 5 hours daily. BOs offer basic services

such as mail booking, banking and insurance. In addition to this, BOs are also

responsible for the disbursement of wages under the MGNREGS.

The office is in charge of Gramin Dak Sevak Branch Postmaster (GDS

BPM). He may be assisted by a GDS mail deliverer (GDS MD). Branch offices

serve the Postal needs of one or more villages.

Sub office:Sub office:Sub office:Sub office:

Sub Post Office (SO) is an operational unit located in urban as well as

rural areas which reports to Head Post office. SO provides mail booking services,

banking services and insurance services. It incorporates the account of BOs

placed under it and also supplies and receives funds.

SOs are classified based on the number of staff. They are

• Mukhya Dak Ghar (MDG)

• Higher Selection Grade (HSG) SO

• Lower Selection Grade (LSG) SO

• Triple Handed SO (A Class SO)

10

• Double Handed SO (B Class SO)

• Single Handed SO (C Class SO)

These POs are further categorised as Delivery and Non-Delivery offices.

Each delivery PO will have delivery staff and is allotted a unique (Postal Index

Number) PIN code. Non delivery offices perform only counter transactions and

are not assigned any separate pincode. They are identified with the pin code of

the concerned delivery PO.

Head office:Head office:Head office:Head office:

It is the Chief of a group of Post Offices consisting of itself and its

subordinate offices called Sub and Branch Offices.

It is an operational unit and is authorized for the posting, receipt, sorting,

handling, transmission and delivery of mail. HO offers mail-related services

such as Post Office boxes, postage and parcel. It also offers non-postal services

like Banking, Insurance, Philately, money remittances and retail such as

passport applications and sale of government forms.

It consolidates accounts of all SOs under its jurisdiction and reports to

the Postal Accounts Office. It also draws salary and other bills for officials in its

jurisdiction and maintains the service book. It may be headed by a Postmaster

(HSG) / Senior Postmaster (Sr. PM) (Gazetted) / Chief Postmaster (CPM)

(Gazetted) or a Director (Gazetted). The principal HPO situated at the circle

Head quarters is called General Post Office (GPO) and headed by a CPM /

Director.

Army Post office (APO):Army Post office (APO):Army Post office (APO):Army Post office (APO):

These Post Offices serve defence personnel. There are two POs carrying

the HO status – 1 CBPO (Central Base Post Office), in Delhi and 2 CBPO, in

Kolkata. 1 CBPO is called 56 APO and 2 CBPO is called 99 APO for the purpose

of addressing. Field Post Offices (FPO) which carry the status of sub offices are

under the jurisdiction of CBPOs and serve the armed forces in different

locations.

Foreign Post:Foreign Post:Foreign Post:Foreign Post:

There are foreign Post offices and sub foreign Post offices in the country

which deal with the incoming and outgoing foreign mails. Mails are exchanged

between countries and the accounts need to be settled on account of the mails

transmitted and delivered. The Universal Postal Union facilitates this.

Role of Universal Postal Union (UPU):Role of Universal Postal Union (UPU):Role of Universal Postal Union (UPU):Role of Universal Postal Union (UPU):

The Universal Postal Union, established in 1874, with its headquarters in

Berne, Switzerland sets guidelines for the free flow of mails between countries.

11

It is a special agency of United Nations coordinating the Postal Policies of

member nations. The conventions entered into under the aegis of the UPU

ensure that the national boundaries merge into one for the purpose of

exchanging letter post items. There is a guaranteed freedom of transit within

the territory of the Union.

Under the convention each country keeps the postage it collects on

international mail. But each country must pay other member countries for the

excess mail sent (terminal dues) and also for transporting mails across their

borders (transit charges).

Apart from promoting international cooperation in organizing and

improving postal services, the UPU has standardized postal charges to be

collected by each country for letter post items. The UPU has made it possible for

a postal item to reach the addressee, wherever on the globe, regardless of his

social status, political views, religion, or race. Free postage for items concerning

prisoners of war and civilian internees and for literature for the blind and

reduced rates for conveyance of newspapers and periodicals are some of the

achievements of the UPU. Currently there are 192 member countries. The UPU‘s technology centre manages IPS (International Postal System) which is an

international mail management system facilitating track and trace of

international mails and IFS (International Financial System), a software

application for international money order service. We will learn about these, in

detail, later.

Railway Mail Service (RMS)Railway Mail Service (RMS)Railway Mail Service (RMS)Railway Mail Service (RMS)

Railway Mail Service wing performs collection , sorting and transmission

of mails. We have different types of Mail Offices.

Sorting Mail office:Sorting Mail office:Sorting Mail office:Sorting Mail office:

This is a stationary office of the Railway Mail Service. This office deals

with the contents of mail bags addressed to it and closes bags. Sorting Mail

Offices which are located at Railway Stations are designated by the names of

the stations followed by the letters ―RMSǁ eg. Villupuram RMS. Sorting Mail

Offices which are not located in Railway Station premises are designated as

sorting office. eg : Karaikudi Stg, Egmore Stg.

Transit Mail Office (TMO):Transit Mail Office (TMO):Transit Mail Office (TMO):Transit Mail Office (TMO):

This office deals with closed bags only.

Transit SectTransit SectTransit SectTransit Section:ion:ion:ion:

It is a travelling unit of RMS working in trains. Transit Sections deal

with closed bags only.

12

Record Office:Record Office:Record Office:Record Office:

It is a stationary office of the RMS where the work papers of Transit

Sections are checked and preserved. The record office supplies the forms, bags

and stationery required by sections for their work. It takes care of the staffing

requirement of mail offices and supplies forms and stationeries.

Head Record Office (HRO):Head Record Office (HRO):Head Record Office (HRO):Head Record Office (HRO):

The record office situated at the head quarters of RMS division which is

entrusted with preparation of salary and contingent bills for the staff and

offices of the entire division and the accounts connected therewith, in addition

to the ordinary duties of a record office is called Head Record Office, headed by

Head Record Officer. Sections and mail offices are attached to a Head Record

Office. This office supplies the forms, bags and stationery required by mail office

/ sections for their work. It takes care of the staffing requirement of mail offices

and sections and supplies forms and stationeries.

Sub Record Office (SRO):Sub Record Office (SRO):Sub Record Office (SRO):Sub Record Office (SRO):

Record Office located outside the headquarters of the division and may

have sections apart from mail offices attached to it. It takes care of the staffing

requirement of mail offices and sections and supplies forms and stationeries.

13

ACCOUNTING NETWORK OF POST OFFICES

Postal Account office Responsible for incorporating account of all HOs in circle

Head Post Office Head Post Office Head Post Office

Supplies cash, stamp, IPOs, certificates, Consolidation of account of Submits returns and accounts to

passbooks, recpt bks subordinate offices concerned PAO

Sub Post Office

Sub Post Office Sub Post Office

Submits its Daily A/C to Head Post Consolidate the transactions of BO also

SO is placed in account with HO Office into its accounts

Branch Post Office

Branch Post Office

Submits Daily Account to its

Having limited powers of Saving

account office i.e. SO

Bank and Booking of postal

articles

Branch Post Office

Branch Post Office

Sub account branch of account office

Can be directly under Sub Office monitors its functioning

which is called its Account Office

Savings Bank Control Organisation Savings Bank Control Organisation Savings Bank Control Organisation Savings Bank Control Organisation ————

• set up in each Head Post Office under the administrative control of the

Divisional Heads

• consists of Supervisor and Postal Assistants

• to maintain control accounts of Savings bank and carry out day-to day

checks of the work done by the SB Branch

• will submit consolidated reports to Regional Office

14

POSTAL MANUALS

The manuals and guides specify the procedure to be followed in

performing routine operations in Post Offices in various branches. Every official

performing various transactions is expected to know the rules prescribed for

doing the job and be updated with the latest changes. Following is the list of

manuals prescribed and a brief of their contents.

Post office Guides are for the guidance of

customers Post office GuiPost office GuiPost office GuiPost office Guide de de de –––– Part IPart IPart IPart I

- Contains guidelines to customers transacting in various Postal products in inland mail and other financial services and details the conditions subject to which

Post office Guide Post office Guide Post office Guide Post office Guide –––– Part IIPart IIPart IIPart II

- This guide deals with conditions for posting of international mail

Post office Guide Post office Guide Post office Guide Post office Guide –––– Part IIIPart IIIPart IIIPart III

- Contains the list of Post offices

Post office Guide Post office Guide Post office Guide Post office Guide –––– Part IVPart IVPart IVPart IV

- This guide relates to Post office Savings bank and certificates

Postal manuals are for the guidance of staff in Post Office. They lay down

the operational procedures. The various volumes and their scope are detailed

below.

Postal Manual Volume I Postal Manual Volume I Postal Manual Volume I Postal Manual Volume I – This is a compilation of legislative enactments related

to Post office. It contains the following acts and rules

• The Indian Post office Act 1898

• The Indian Post office Rules, 1933

• The Government Savings Banks Act 1873

• The Post office Cash Certificates Act 1917

• The Post office Savings Banks (Nomination) Rules, 1960

• The Government Savings Certificates Act, 1959

• The Government Savings Certificates Rules, 1960

Postal Manual Volume II Postal Manual Volume II Postal Manual Volume II Postal Manual Volume II – Contains general guidelines, rules relating to

organisation matters, appeals, petitions, stock, budget and buildings

Postal Manual Volume III Postal Manual Volume III Postal Manual Volume III Postal Manual Volume III – Rules relating to discipline

Postal Manual Volume IV Postal Manual Volume IV Postal Manual Volume IV Postal Manual Volume IV – Rules relating to appointments, promotions,

leave and establishment

15

Postal Manual Volume V Postal Manual Volume V Postal Manual Volume V Postal Manual Volume V – Rules relating to mails and investigation

Postal Manual Volume VI Postal Manual Volume VI Postal Manual Volume VI Postal Manual Volume VI – This is in three parts and contains rules relating to Postal operations except Savings bank and certificates

• Part I Part I Part I Part I – Rules relating to collection and delivery of ordinary and accountable mail

• Part II Part II Part II Part II – Rules relating to booking, transmission, payment and accounting of Money orders

• Part III Part III Part III Part III – Rules relating to functioning of sub accounts branch, accounting in POs, Duties of postmen and letter box attendants

Postal Manual Volume VII Postal Manual Volume VII Postal Manual Volume VII Postal Manual Volume VII – Rules relating to operations in Railway mail service

Postal Manual Volume VIII Postal Manual Volume VIII Postal Manual Volume VIII Postal Manual Volume VIII – Rules relating to functioning of various

administrative units like Circle office, Divisional office, Stock Depot, etc.,

Branch office rules Branch office rules Branch office rules Branch office rules – Rules relating to the working of branch offices

Post office Savings Bank Manual Volume I Post office Savings Bank Manual Volume I Post office Savings Bank Manual Volume I Post office Savings Bank Manual Volume I – Contains Procedural Rules relating

to various types of savings accounts

Post office Savings Bank Manual Volume II Post office Savings Bank Manual Volume II Post office Savings Bank Manual Volume II Post office Savings Bank Manual Volume II – Contains Procedural Rules

relating to transactions in various types of Savings Certificates

Post office Savings Bank Manual Volume III Post office Savings Bank Manual Volume III Post office Savings Bank Manual Volume III Post office Savings Bank Manual Volume III – Contains Acts & Rules relating to

Various Savings Scheme (SB & SC).

PostaPostaPostaPostal Manual of SB Control Pairing & Internal Check Organisation l Manual of SB Control Pairing & Internal Check Organisation l Manual of SB Control Pairing & Internal Check Organisation l Manual of SB Control Pairing & Internal Check Organisation –––– Contains

the Procedural Rules relating to the work of SBCO, ICO

Financial Hand Book Volume I Financial Hand Book Volume I Financial Hand Book Volume I Financial Hand Book Volume I – Contains rules about accounting, supply of

funds, remittances, revenue and miscellaneous receipts, rules on pay and

allowances, loans and advances and other contingent charges.

Financial Hand Book Volume II Financial Hand Book Volume II Financial Hand Book Volume II Financial Hand Book Volume II – Contains rules relating to supply of stamps,

accounting of various revenue receipts and consolidation of accounts in

various post offices.

POLPOLPOLPOLI Rules I Rules I Rules I Rules – Contains rules relating to PLI and RPLI.

Foreign Post Manual Foreign Post Manual Foreign Post Manual Foreign Post Manual – Contains rules relating to foreign post operations.

Indian Post Office Act, 1898 Indian Post Office Act, 1898 Indian Post Office Act, 1898 Indian Post Office Act, 1898 – Lays down the privileges in carrying mails,

prohibitions, protections, offences and penalties.

16

BASIC RECORDS / REGISTERS

1111)))) Attendance RegisterAttendance RegisterAttendance RegisterAttendance Register

This is a book kept for the officials to sign, noting the time of attendance

before the start of their duties. The head of the office examines and initials it.

2222)))) Nominal Roll Nominal Roll Nominal Roll Nominal Roll (MS(MS(MS(MS----12)12)12)12)

This is a record showing the names of Postal Assistants actually on duty

on a given date and the nature of duties performed by each of them. Whenever

there is a change, the Postmaster / Supervisor notes it on the Nominal Roll. In

other words, if there is no change in the duties performed by an official, no entry

need be made and the previous day‘s arrangement continues.

3333)))) Memorandum of distribution of work (MDW) (MSMemorandum of distribution of work (MDW) (MSMemorandum of distribution of work (MDW) (MSMemorandum of distribution of work (MDW) (MS----11)11)11)11)

This shows the duties to be performed by each official (PAs & Supervisor)

working in SBCO. The Supervisor will prepare the MDW and the same is to be

approved by AO (ICO) SB.

Any change of a permanent nature in the duties of officials, has to be

ordered by the authority competent to issue the memo.

4444)))) Order Book/ Office Order Book (MOrder Book/ Office Order Book (MOrder Book/ Office Order Book (MOrder Book/ Office Order Book (MSSSS----8)8)8)8)

Every post office is supplied with this book to record remarks and orders

of inspecting officers. Postmaster is personally responsible to take action on the

remarks and orders passed by the officers. It should always be kept in the

personal custody of the Postmaster.

5555)))) Sub Office Daily AccountSub Office Daily AccountSub Office Daily AccountSub Office Daily Account

Sub office prepares its transaction report containing its own transactions

as well as its attached branch offices which is called Sub office daily accountSub office daily accountSub office daily accountSub office daily account and

submits this everyday to Head Post Office along with the vouchers of accounted

transactions.

6666)))) HO SummaryHO SummaryHO SummaryHO Summary

A record maintained in Head Post Office to compile its own transactions.

It is prepared by Treasurer.

17

7777)))) SO SummarySO SummarySO SummarySO Summary

A record maintained in Head Post Office to compile and consolidate the

accounting transactions of each SO as reported in the SO Daily Accounts

8888)))) HO Cash BookHO Cash BookHO Cash BookHO Cash Book

A Daily report, prepared by the APM (Accounts), consolidating the

transactions of HO and all the SOs under its control based on the HO Summary

and SO Summary. It contains the following details;

• Amount of transaction as per HO Summary

• Amount of transaction as per SO Summary

• Total

• Progressive total upto yesterday

• Grand Total should be struck in the Cash book daily.

9999)))) HO Cash AccountHO Cash AccountHO Cash AccountHO Cash Account

A monthly report, prepared by the APM (Accounts), consolidating all the

transactions accounted in the HO during the whole month. It is compiled from

the HO Cash book. It is to be submitted to PAO along with other schedules and

returns.

10101010)))) List of TransactionList of TransactionList of TransactionList of Transaction

• A system generated report

– showing the details of transactions of POSB accounts including those

of attached BOs (if any)

– Prepared separately for each schemes at the end of the day.

11) 11) 11) 11) Objection Objection Objection Objection Register (SBRegister (SBRegister (SBRegister (SB----61)61)61)61)

A register to be maintained in SBCO to record the irregularities noticed

during the checking of vouchers etc. The copy of objection should be sent to the

office concerned for settling the same.

12) 12) 12) 12) Register of Undeliverable Passbooks at Register of Undeliverable Passbooks at Register of Undeliverable Passbooks at Register of Undeliverable Passbooks at SBCOSBCOSBCOSBCO

The Passbooks remaining undelivered for more than 3 months in SOSB

branch should be transferred to SBCO for safe custody. The registered should be

verified periodically by the Supervisor and the PBs should be destroyed under

the personal supervision of AO after completion of preservation period

18

IT MODERNISATION – INDIA POST 2012

A Brief about the Eight Projects under IT modernization:A Brief about the Eight Projects under IT modernization:A Brief about the Eight Projects under IT modernization:A Brief about the Eight Projects under IT modernization:

SlSlSlSl NameNameNameName DescriptionDescriptionDescriptionDescription VendorVendorVendorVendor

1 Rural ICT Software Development for BO Infosys

System Computerisation

Integrator

(RSI)

2 Rural ICT • Supply of Hardware for BO M/s. TCIL

Hardware computerization.

(RH) • Network facility to BOs

3 Core System Integrated software for, Tata

Integrator • counter Consultancy

(CSI) • back office Service

• Accounts (TCS) • HR management etc

4 Financial • Core Banking Solution (Finacle) Infosys

Services • Core Insurance Solution

System (McCamish)

Integrator • ATM Facility

(FSI)

5 Data Centre • Primary Data Centre at Mumbai Reliance Ltd. Facility (DCF) • Disaster Recovery Centre at PTC,

Mysore

6 Network Networking of, Sify

Integrator (NI) • All DOP offices Technology

• DC & DRC

7 Mail • Hardware for Postal & Mail Offices. DG S & D

Operations • Handheld device for delivery staff (GEM)

Hardware

(MOH)

8 Change • Change Management for all Tata

Management Employees Consultancy

(CM) • Capacity building recommendations Services

19

OVERVIEW OF THE VARIOUS SAVINGS SCHEMES

India Post offers several products and services. These can be broadly

classified under the following heads

• Mail services

• Premium products

• Financial services

• Retail services

• Philately

Post office savings schemesPost office savings schemesPost office savings schemesPost office savings schemes

India Post offers various savings scheme, mainly attracting small savings

come under Financial Services.

The types of Accounts Schemes available are,

• Savings Account ( SB)

• Recurring Deposit (RD)

• Monthly Income Account Scheme (MIS)

• Time Deposit (TD)

• Public Provident Fund (PPF)

• Senior Citizen Savings Scheme (SCSS)

• Sukanya Samriddhi Account (SSA)

Savings Certificates schemes are,

National Savings Certificates – VIII Issue (NSC)

Kisan Vikas Patras (KVP)

20

SAVINGS BANK / SAVINGS CERTIFICATES

SAVINGS ACCOUNTSAVINGS ACCOUNTSAVINGS ACCOUNTSAVINGS ACCOUNT

TypeTypeTypeType Who can openWho can openWho can openWho can open Number ofNumber ofNumber ofNumber of

accountsaccountsaccountsaccounts

Single An adult 1 / PO

Minor himself if attains atleast 10 years 1 / Minor

Guardian on behalf of minor 1 / Minor

Joint (A & B) 2 / 3 adults 1 / PO

Sanchayika Head of the Institution & 2 students (not less than 1 / Institution

10 years of age)

Pension Single Any pensioner (Postal / Railway /Telecom / any dept) 1 / Pensioner

Joint Pensioner with his / her spouse in whose favour

family pension nominated

Basic Savings A/C Registered Beneficiary 1 / Beneficiary

[In addition to pension A/C, pensioner can open a single / Joint

A/C] [No new Sanchayika Account is allowed w.e.f 01.10.2016]

Where to open - HO/ SO / BO

Minimum balance - Rs 50 / Rs 500 (cheque A/C) / Zero for Basic Savings

A/C

Maximum balance - No limit

Mode (opening) - Cash only

Mode (deposits) - Cash/Cheque/DD

Opening of SB cheque accounts

- Only in HO , SO

- Only In Single A/C, Joint A/C, Minor A/C through guardian, Pension

A/C, Sanchayika A/Cs

- Only by literate adults who can sign in running hand

- Minimum balance to be maintained is Rs. 500.00

- Withdrawal by Cheque is allowed even if the balance falls below

Rs.500/-but the depositor to be advised to maintain sufficient balance.

21

- If cheque is dishonoured, a service charge of Rs 50/- to be deducted - Passbook need not be presented with subsequent deposit or

cheque withdrawal

Nomination

Applicable in Single, Joint, Pension, Basic SB (not in Minor, Sanchayika) A/Cs

When At the time of opening / later but before maturity / closure

Who can be a Any person (Including Association, Trust etc).

Nominee In case of minor nominee, an adult person is to be appointed

No of nominees No limit

Fees free for 1st nomination &

Rs 1 for subsequent/ alteration/ cancellation – Form - SB 55 -

Mode - Postage stamp

Interest - 4% pa SI on total IBB

IBB – lowest balance between 10th closing & last working day

Deposit :

Mode - Cash / Cheque / DD / IPO etc

Minimum - Rs 5/-.

Paise transactions allowed, but only in multiples of 5 paise.

Deposit through cheques:

• Cheque to be written in ink or ball point pen signed by drawer

• Cheque should not be more than three months old

• Not post dated one.

• Drawn in favour of depositor or postmaster.

• Amount in words and figure should agree without any correction.

• Not torn or mutilated

• Crossed generally or specially.

• Particulars of the cheque should be written in the pay-in-slip and

presented along with the cheque

22

• Date of encashment / realisation will be taken as the date of deposit.

• For out-station cheque, collection charge will be debited from the account.

• Rate of collection charge

o Cheque value up to Rs.1000

... Rs.30/-

o Every additional Rs.1000 or part there of

... Rs.3/-

Local & Outstation Cheque:

� A cheque drawn on any bank at the same station as that of the office at

which it is accepted will be regarded as ‗Local cheque‘

� A cheque drawn on any bank located at the same station as that of the HO

and accepted at any of its sub offices will also be regarded as ‗Local

cheque‘.

( All other cheques will be treated as ‗Outstation cheques‘.)

� No collection charge for POSB cheques

� No commission is charged on cheques presented on local bank of so

and got cleared through ho concerned due to non availability of SBI/

Nationalised Bank / Clearing house

� If any amount recovered by bank to be charged as ‗office expenses‘

& full amount to be credited to depositor

Withdrawal:

Number of Withdrawal per day : SO / HO – No restriction

BO – Only one in an account

(Maximum Rs. 5,000/- - BPM‘s limit)

Minimum amount : Non Cheque A/C … Rs. 5/-

Cheque A/C … Rs. 20/-

Messenger transactions – conditions:

- Not allowed in A/Cs opened by minor himself - Postmaster, PO agents not to be allowed to act as messengers - In case of closure, no cash payment. Only cheque irrespective of amount - If SS differs, payment through messenger is not allowed. - In illiterate A/C, if paying PM satisfies, allowed.

23

Transfer from PO to PO

Transfer of Savings Account is not allowed when,Transfer of Savings Account is not allowed when,Transfer of Savings Account is not allowed when,Transfer of Savings Account is not allowed when,

Silent Account before its revival

After death of the depositor

When it is ordered to be closed

Types:

- Local / Home / Foreign

Advice of Transfer (AT) conditions:

- AT to be prepared in the transferring HO in duplicate.

- AT should be sent along with SB-3, SB-55(if any), KYC document

through service insured post to the transferee HO

- If any AT is received not through service insured post, then it should be

returned to the transferring HO and account should not be opened.

- Check whether the AT contains ―originalǁ along with combined oblong

stamp.

- If there is any abnormal delay in receipt of AT, refer ‗Register of

duplicate ATs received‘.

Conversion from single to joint & vice versa:

Allowed, but after conversion, it should contain atleast one of the original

depositor.

Duplicate Passbook:

Cases:

- Lost / destroyed / spoiled passbooks - Seizure of PB for departmental enquiry

Fees:

- Rs 10/- in the shape of postage stamp - Exemption allowed if reason is beyond the control (permitted by postmaster) - No fee - seizure for enquiry

24

RECURRING DEPOSITSRECURRING DEPOSITSRECURRING DEPOSITSRECURRING DEPOSITS

TypeTypeTypeType Who can openWho can openWho can openWho can open Number of accountsNumber of accountsNumber of accountsNumber of accounts

Single An adult No limit

Minor himself if attains atleast 10 years No limit

Guardian on behalf of minor No limit

Joint (A & B) 2 adults No limit

Where to open - Minimum

Denomination - Maximum

Denomination -

Mode – Opening -

Mode – Deposits -

HO / SO / BO

Rs 10. Multiples of Rs 5

No limit

Cash/ Cheque/DD

Cash/ Cheque/DD

Monthly deposits should be made,Monthly deposits should be made,Monthly deposits should be made,Monthly deposits should be made,

Period in which A/c is opened Last date for Subsequent month‘s deposit

1st to 15th of a month 15th

16th to last day of a month Last working day

Defaulted Deposits:

If not paid within the above period,

- Default fee: Rs 0.10 for Dn Rs 10/- to be collected along with deposit. - 4 defaults allowed. For personnel of defence services (except civilian

defence employees), 7 defaults allowed. - If exceeds 4/7defaults, should be renewed within 2 months, from 5th /

8th default - If not renewed within that period, A/C will become ―Discontinuedǁ. - (no further deposit / part withdrawal is allowed in discontinued

accounts) Advance Deposits:

• Rebate is paid for advance deposits including deposit made for current

month. ( All advance deposits made in different dates of a calendar

month will also qualify for rebate calculation )

For Dn-Rs 10/- - 6 months to 11 months – Rs.1

- 12 months – Rs.4

25

Withdrawal :

- Only after 1 year from the date of opening - At least 12 deposits to be made - Account should not be a ‗discontinued‘ one

o Maximum 50 % of balance can be allowed, including the amount of advance deposits, if any

o Withdrawal amount should be in multiples of Rs 5

oOnly one withdrawal is allowed in an account

Repayment of withdrawal:

- Only along with monthly deposit - Either in Lump sum / in equal Instalments - Only in multiples of Rs 5

- Interest to be collected - 5 yr TD interest prevailing on the date of

withdrawal+ 2 %

PMC:

• Only after 3 years

• If advance deposit is made, PMC will be allowed only after expiry of such

advance period.

• Interest rate applicable to Savings Account is payable

• Default Fee already collected and Interest on withdrawal repaid will

be refunded at the time of PMC

Maturity:

Maturity Period – 5 Years

Interest Rate & Maturity Value – 7.3 % & Rs 725.05 (as on 01.10.2018)

Extension:

- Can be extended with / without deposit after maturity. - No application required. - Extension with deposit allowed for maximum period of 5 years. (Nomination,

Transfer, Conversion, Duplicate PB – as in the case of SB Account)

26

MONTHLY INCOME SCHEMEMONTHLY INCOME SCHEMEMONTHLY INCOME SCHEMEMONTHLY INCOME SCHEME





Joint (A & B) 2 or 3 adults No limit

Where to open - HO / SO

Minimum - Rs 100 multiples of Rs 100

Maximum - Rs 4,50,000 (single A/C) (individual limit)

Rs 9,00,000 (joint A/C)

Mode – opening - Cash/ Cheque/DD

Interest - 7.7 % SI pa (as on 01.10.2018) –

Paid in monthly basis - Cash / SB credit / MO

PMC:

Before 1 year

After 1 year but upto 3 years

After 3 years but before maturity

- not allowed - 2 % deduction on deposit - 1 % deduction on deposit

Maturity Period - 5 years [6 years for the A/Cs opened upto 30.11.2011]

Bonus - Payable on maturity

Account opened periodAccount opened periodAccount opened periodAccount opened period Bonus rateBonus rateBonus rateBonus rate

From 01.12.2011 Nil

8.12.2007 to 30.11.2011 5 %

13.02.2006 to 7.12.2007 Nil

Before 13.02.2006 10 %

PMI: Allowed on maturity value (principal + bonus if any) – @ SB interest

Conversion

– As in the case of Savings Account (Not allowed – for A/Cs opened irregularly by

exceeding the prescribed limits)

(Nomination, transfer, duplicate passbook – as in the case of Savings Account)

27

TIME DEPOSITTIME DEPOSITTIME DEPOSITTIME DEPOSIT





Joint (A & B) 2 adults No limit

Category - 1 year / 2 year / 3 year / 5 year

Where to open - HO / SO / BO

Minimum - Rs 100 multiples of Rs 100

Maximum - No limit

Mode – opening - Cash/ Cheque/DD

Interest: (as on 01.10.2018)

1 year - 6.9 % CI compounded quarterly




Interest payment - Cash / SB credit

PMC:

- Upto 6 months - Lock up period

- After 6 months but before 1 year - SB interest

After 1 year - One per cent less than the rate specified for a deposit

of 1- year, 2-years or 3-years which was prevailing on

the date of opening of account

� Completed years - Compound interest compounded quarterly

� Completed months - Simple interest

PMI: SB interest rate is allowed on maturity value (Principal + Interest

due) Investment in 5 yr TD – eligible for IT rebate

( Nomination, Transfer, Conversion, Duplicate PB - as in the case of SB Account )

28

SENIOR CITIZEN SAVINGS SCHEMESENIOR CITIZEN SAVINGS SCHEMESENIOR CITIZEN SAVINGS SCHEMESENIOR CITIZEN SAVINGS SCHEME

TypeTypeTypeType Who can openWho can openWho can openWho can open Number ofNumber ofNumber ofNumber of

accountsaccountsaccountsaccounts

Single Person attaining 60 years & above No limit

Person aged of 55 years & above but less than 60 years, No limit

who has retired on superannuation or under any

scheme ( A/C to be opened within 1 month of getting

retirement benefits)

Retired Defence Employees (Person aged of 50 years) (A/C to be No limit

opened within 1 month of getting retirement benefits)

Joint Eligible Main Depositor (as above) with his or her No limit

spouse

Where to open - HO / SO

Minimum - Rs 1000/- (multiples of Rs 1000/- )

Maximum - Rs 15,00,000 / retirement benefit whichever is less

Mode – opening - upto Rs 1 lakh - Cash/ Cheque/DD

above 1 lakh - Cheque /DD

Interest - 8.7 % SI pa (as on 01.10.2018)

Paid in quarterly basis by Cash / SB Credit / MO

TDS on Interest:

If interest payment exceeds Rs 50,000/- in a FY (For Senior Citizen) If interest payment exceeds Rs 10,000/- in a FY (For other than Senior Citizen)

- TDS is 10% on interest - To be recovered for whole amount of interest - No deduction will be made, if form 15(g) / 15 (h) is submitted.

29

PMC:

Before 1 year - Not allowed

After 1 year but before 2 years - 1.5 % deduction on deposit

On or after 2 years but before maturity - 1.0 % deduction on deposit

Maturity:

Maturity Period – 5 years

PMI:

Allowed on maturity value (Principal) – @ SB interest rate

Extension:

- Can be extended for a maximum period of 3 years - Apply within 1 year from the date of maturity in writing (Form-B) - Interest rate applicable for the A/Cs opened on the date of maturity - Cannot be closed the A/C within 1 year from the date of

extension Nomination: - Form A / Form C - No fee – first / subsequent / cancellation - Signature, photo of nominee(s) required in nomination form

Transfer – (PO – PO & PO – Bank )

No fee – Below Rs 1 lakh

First transfer – Rs 5 per lakh

Subsequent transfer – Rs 10 per lakh

Duplicate PB:

First - Rs. 10

Subsequent - Rs. 20

- Mode of collection of fees –cash through form D & credited under UCR

30

PUBLIC PROVIDENT FUNDPUBLIC PROVIDENT FUNDPUBLIC PROVIDENT FUNDPUBLIC PROVIDENT FUND


Single An adult 1

Guardian on behalf of minor 1

- Opened in HO, SO ( Except Class ‗C‘ SO)

- Mode of opening & deposit – Cash / Cheque / DD

- Interest – 7.7 % SI pa (as on 01.10.2018) on total IBB

o IBB - (Lowest balance between 5th & last day of each month)

- Account can be opened with a minimum of Rs 100/-

Limits:

Amount of Subscription per FY Number of Subscription per FY

Minimum Rs 500 1

Maximum

Rs 1,50,000

12

(in self & minor A/C)

[Penalty – Rs 50/- for each FY along with arrears of subscription]

[Regularisation of default is not applicable in case of default in the initial year of

opening. A/C will be treated as Irregular Account, and be closed without Interest]

Other features:

No Court attachment

Income tax rebate allowed

Interest is tax free

Transfer – (PO – PO & PO – Bank)

31

Nomination: No fee – first / subsequent / cancellation

Loan:

- Eligible from 3rd FY to 6th FY - Max 25 % of balance held in 2nd preceding year - Further loan will also be allowed if earlier is repaid with interest - Only one loan in a FY - To be repaid in lump sum / instalment of not more than 36 months

- Interest on loan - if repaid within 36 months - 2 %

- otherwise (on outstanding loan) - 6 %

Withdrawal:

- eligible from 7th FY - Max 50 % of balance held in preceding year (or) 4th preceding

year whichever is lower - One withdrawal in a FY - No need to repay. No interest on withdrawal

Closure: - After expiry of 15 FY excluding the year of opening

Extension with subscription:

- Can be extended for further block(s) of 5 years - Apply in writing within 1 year (form –H) - Conditions of Minimum, Maximum, Default fee, IT rebate will be applied - Withdrawal allowed.

- Max 60% of the balance on the commencement of extension period

- Either in one / more than one withdrawal ( Only 1 withdrawal / FY )

Extension without subscription: - Maturity amount can be retained. No need to apply in writing - Withdrawal is allowed.

- Any amount within the balance ( Only one withdrawal in a FY )

Duplicate PB: Fee – Rs 1

32

SUKANYA SAMRIDDHI ACCOUNT

Salient features:Salient features:Salient features:Salient features:

Who can Open?Who can Open?Who can Open?Who can Open?

� Guardian (Natural / Legal) (called as Depositor) can open in the name of girl

child (called as Account holder) from the date of birth to till she attains 10

years [As a relaxation, Girl child born on or after 03.12.2003 were allowed to

open account up to 02.12.2015]

o On attaining the age of 10 years, account can be operated either by the Girl Child herself or by the Guardian till attaining 18 years of Girl Child.

How many accounts?How many accounts?How many accounts?How many accounts?

� Only one account can be allowed in one girl child‘s name.

� Guardian can open accounts maximum for 2 girl children in one family.

� ExceptionExceptionExceptionException: More than two accounts are allowed, in the event of birth of More than two accounts are allowed, in the event of birth of More than two accounts are allowed, in the event of birth of More than two accounts are allowed, in the event of birth of

two or more girls in the first and / or second birth in a familytwo or more girls in the first and / or second birth in a familytwo or more girls in the first and / or second birth in a familytwo or more girls in the first and / or second birth in a family

� Above condition is not applicable, for the girl children of second birth, if Above condition is not applicable, for the girl children of second birth, if Above condition is not applicable, for the girl children of second birth, if Above condition is not applicable, for the girl children of second birth, if

the first order of birth results in two or more surthe first order of birth results in two or more surthe first order of birth results in two or more surthe first order of birth results in two or more surviving girl children.viving girl children.viving girl children.viving girl children.

Where to open?Where to open?Where to open?Where to open?

Account can be opened at all Post offices (HO, SO, BO) & authorized

banks.

Documents required:Documents required:Documents required:Documents required:

� KYC documents of Guardian

� Birth Certificate / Certificate of DOB from School / Certificate from Head of

Village showing DOB / Certificate from Hospital where the child born /

Aadhar / PAN Card / Passport

� Medical Certificate in case, more than two accounts are to be opened in a

family.

Deposit:Deposit:Deposit:Deposit:

� Account can be opened with a minimum of Rs 250/-

� Subsequent deposits should be in multiples of Rs 100/-

� Minimum Rs. 250/- Maximum Rs 1,50,000/- allowed to deposit in a F.Y.

33

� No maximum limit for number of deposit.

� Penalty Rs 50/- along with minimum deposit (Rs.250/-) will be collected for

defaulted deposit.

� No Deposits are accepted on completion of 15 years from the date of opening.

(For example, if account was opened on 13.05.2014, the deposits can be made

up to 12.05.2029 only).

� Cash, Cheque, DD can be accepted. (for Cheque / DD, date of realisation will

be the date of deposit) [In CBS offices, deposits can be made by any electronic

mode in addition to above modes and deposits can be made at any CBS office]

Nomination:Nomination:Nomination:Nomination: Not available.

Withdrawal:Withdrawal:Withdrawal:Withdrawal:

Permitted, on attaining the age of 18 years or passing 10th

Standard whichever is earlier

� Permitted for Higher education

� Allowed up to a maximum 50% of balance held at the end of the preceding

financial year.

� In one or more installments (not exceeding the overall limit)

� Only once in a financial year

� Maximum five times

� Allowed on production of documentary proof obtained from the educational

institution.

� Amount is restricted to the actual fee and other charges.

Interest:Interest:Interest:Interest:

� Current interest rate is 8.5 % simple interest per annum.

� Interest is calculated on the lowest balance held in the account between close

of 10th and the last day of calendar month.

� Credited on 1st April of every year.

34

Premature Closure:Premature Closure:Premature Closure:Premature Closure:

• Death of the Girl Child (SSA Interest up to the date of death of girl child)

• If the Girl Child becomes NRI or Non Citizen (SSA Interest up to the date of

change of status)

• In case of compassionate ground such as medical support in life threatening

diseases of girl child or death of the guardian (only after 5 years) (SSA

Interest). This closure can be allowed only by Head of the Division / Sr. PM /

CPM / Director.

• At any time (SB Interest)

MaturityMaturityMaturityMaturity

• Account can be closed after 21 years from the date of opening.

• Account can also be closed in the event of account holder‘s marriage, on

attaining the age of 18 years.

o Can be closed before 1 month from the proposed date of marriage or after 3 months from the actual date of marriage

o Age proof is to be submitted

• Girl Child has to submit Fresh Identity Proof, Residence and Citizenship

along with account closure form (SB-7A).

• If the account is not closed after maturity, it will not earn any further

interest.(i.e.No PMI)

• If any default is not regularized within 15 years from the opening of the If any default is not regularized within 15 years from the opening of the If any default is not regularized within 15 years from the opening of the If any default is not regularized within 15 years from the opening of the

account, only SB account, only SB account, only SB account, only SB rate of interest is eligible for the whole amountrate of interest is eligible for the whole amountrate of interest is eligible for the whole amountrate of interest is eligible for the whole amount.

o This is not applicable in case of death of guardian.This is not applicable in case of death of guardian.This is not applicable in case of death of guardian.This is not applicable in case of death of guardian.

Transfer of Accounts:Transfer of Accounts:Transfer of Accounts:Transfer of Accounts:

• Can be transferred from PO to PO, PO to Bank & vice versa

• No Fee for transfer of Accounts, if the change of residence proof is

submitted. o Rs. 100/Rs. 100/Rs. 100/Rs. 100/---- in other casesin other casesin other casesin other cases

Duplicate Passbook:Duplicate Passbook:Duplicate Passbook:Duplicate Passbook:

• Fee for issue of Duplicate PB is Rs. 50/-

Note:Note:Note:Note: Head Postmaster will issue Duplicate Pass Books for all schemesHead Postmaster will issue Duplicate Pass Books for all schemesHead Postmaster will issue Duplicate Pass Books for all schemesHead Postmaster will issue Duplicate Pass Books for all schemes

35

Savings Certificates (NSC / KVP)Savings Certificates (NSC / KVP)Savings Certificates (NSC / KVP)Savings Certificates (NSC / KVP)

TypeTypeTypeType Who can purchaseWho can purchaseWho can purchaseWho can purchase

Single An adult

Minor himself if attains atleast 10 years

Any person on behalf of minor

Joint (A & B) 2 adults

(No Limit on investment )

Comparison Chart

FeatureFeatureFeatureFeature 5 Yr NSC(VIII Issue)5 Yr NSC(VIII Issue)5 Yr NSC(VIII Issue)5 Yr NSC(VIII Issue) KVPKVPKVPKVP

Date of introduction 01.12.2011 Re-launched vide

notification dt 23.09.2014

(SB Order 12/2014)

Minimum Rs 100 Rs 1000

(Multiples of Rs 100) (Multiples of Rs 1000)

Maturity Period 5 years 9 years 4 months

(112 months)

Maturity Value per Rs Rs 146.93/- (8.0%) Rs 200.00/- (7.7%)

100/-

Lock up period 5 years 2 years 6 months

Tax benefit Available Not Available

Limit No limit No limit

Post Maturity Interest Available Available

Transferability Can be transferred from Can be transferred from

one holder to another one holder to another

General payment conditionsGeneral payment conditionsGeneral payment conditionsGeneral payment conditions

Accounts / Certificate Scheme:

Except SB - if the payment value is Rs 20,000 or more - Cheque / SBCheque / SBCheque / SBCheque / SB

CreditCreditCreditCredit

Whenever any payment is made by cheque, cheque number and date details Whenever any payment is made by cheque, cheque number and date details Whenever any payment is made by cheque, cheque number and date details Whenever any payment is made by cheque, cheque number and date details

should be noted in the withdrawal / account closure forms.should be noted in the withdrawal / account closure forms.should be noted in the withdrawal / account closure forms.should be noted in the withdrawal / account closure forms.

36

Agency system:

MPKBY

- Authorised to do RD transactions - Cash limit – Rs 20000 /- - Cash limits applicable for transaction at a time & not for a day - No limit for transaction by cheque - Commission –4% for all deposit – monthly, defaulted, advanced

Not for repayment of withdrawal, default fee

- Income Tax - 5 % if commission exceeds Rs 5000/- per FY

PRSS:

- Authorised to do RD / PPF / NSC / TD transactions - In BOs - only through cheque - No Commission

SAS:

- Commission eligible for TD, MIS, NSC, KVP - No commission in case of TD redeposit - Cash limits up to Rs 20,000/- - Commission – 0.5% for TD, MIS & NSC and 1% for KVP - Income tax - 5% if commission exceeds Rs 5000/- per FY

37

KNOW YOUR CUSTOMER (KYC) GUIDELINES

General ConditionsGeneral ConditionsGeneral ConditionsGeneral Conditions

• No account is opened in anonymous /fictitious name (Benami)

• No account to be opened/closed (existing accounts) when unable to o verify the identity of customer

o obtain document due to non co-operation of customer non reliability of information furnished by customer

• In case any PO finds that depositor/investor is not co-operating in furnishing KYC documents, the PM will refer the matter to Div. Head who will order for closure of Account and intimate the depositor the reasons of taking such decision.

• However, the customer should not be harassed and any decision to close the account should be taken by head of the Postal Division by giving suitable notice to the customer

• If wife, son, parents etc. who live with father, mother, son as the case may be, from the relative with whom customer lives should give the following:

o ID proof, Address proof of him

o Declaration that prospective customer is staying with him

• While sealing vouchers,

o Closed documents (SB-7(a) should be separately sealed along with Account opening form & KYC Documents by SO / HO / SOSB in case of non-CBS office.

o In case of CBS Office, all the vouchers including closed vouchers should be sealed along with the print out of consolidation.

• If account/certificate holder is minor, norms are applicable to guardians

• In case of joint depositors / holders , norms are applicable to all joint account / certificate holders

• If, KYC documents already submitted –

o Customer who has already submitted KYC documents in any purchase, need not to submit these again.

o A note ―KYC Documents already submitted vide Account No. ____ / Registration No ___ dt ____ǁ should be noted by the investor on the top of the Account opening form / purchase application.

o Note : Name and address of the customer should match with earlier KYC Documents. (if the account is closed fresh KYCD to be taken)

38

Risk Categories & KYC RequirementsRisk Categories & KYC RequirementsRisk Categories & KYC RequirementsRisk Categories & KYC Requirements

RiskRiskRiskRisk DescriptionDescriptionDescriptionDescription Documents / RequirementDocuments / RequirementDocuments / RequirementDocuments / Requirement categorycategorycategorycategory (1) Accounts opened /(1) Accounts opened /(1) Accounts opened /(1) Accounts opened /

2) Certificate purchased /2) Certificate purchased /2) Certificate purchased /2) Certificate purchased /

3) credit of maturity value of3) credit of maturity value of3) credit of maturity value of3) credit of maturity value of

existing savings instrument/existing savings instrument/existing savings instrument/existing savings instrument/

4) balance of all accounts &4) balance of all accounts &4) balance of all accounts &4) balance of all accounts &

certificates)certificates)certificates)certificates)

Low Up to Rs 50000 1) Photograph, 2) ID proof, 3) Address proof Medium Between Rs 50001 and Rs 1) Photograph,

10,00,000/- 2) ID proof, 3) Address proof 4) PAN copy / Letter issued by

IT department quoting PAN / Declaration in Form 60 / Form 61

High Above Rs 10,00,000/- 1) Photograph, 2) ID proof, 3) Address proof 4) PAN copy / Letter issued by

IT department quoting PAN / Declaration in Form 60 / Form 61

5) Source of fund

• Photograph:

– Recent Passport size photos • 2 in case of accounts opened in BO • 1 in case of accounts opened in SO/HO (FOR SCSS – 2 Photos)

• ID Proof:

– Electoral Photo ID – Ration Card with photo – Passport – Driving License – PAN – POSB ID/ Post Office Identity Card / ID card from Central (or) state

govt., PSU e.g. PPO, BPL card, Job card issued under MG-NREGA – Photo ID issued by recognized educational institution – UIDAI letter (Aadhaar Card)

39

• Address Proof:

– Following documents having current address, • Bank / PO passbook / Account statement • Passport • Ration card • Electricity bill (not more than 3 months old) • Telephone bill (not more than 3 months old) • Salary slip of reputed employer • UIDAI letter (Aadhaar Card) • Certificate from any public authority /Postman / GDSMD/BPM

(not applicable to HIGH RISK)

• Attestation of KYC documentsAttestation of KYC documentsAttestation of KYC documentsAttestation of KYC documents

� Direct Investment

o Self Attested or If illiterate, attested by Gazetted Officer / Sarpanch / BPM/SPM/HPM/Sr. PM/ Chief PM / Postman / GDSMD / GDSBPM

� Through Agent

o Self Attested or If illiterate, attested by Gazetted Officer / Sarpanch / BPM/SPM/HPM/Sr. PM/ Chief PM / Postman / GDSMD / GDSBPM

o Agent should also attest with Agency Number

Operating Procedure (KYC)Operating Procedure (KYC)Operating Procedure (KYC)Operating Procedure (KYC)

1) Checking of documents

ItemItemItemItem To be done / CheckedTo be done / CheckedTo be done / CheckedTo be done / Checked

Attestation of � Self / By Competent Persons

KYCD � If through agent, additional attestation of Agent Photograph � Compared with Face Impression

� If through agent, compared with ID proof Name � Compared with ID Proof Address � Compared with Address Proof

2) Attestation of Photo

• BPM/SPM/Supervisor will attest the photographs after affixing on the documents as prescribed

3) Official Remarks about KYC

In Account Opening form / purchase application following note will be made.

• ―KYC DOCUMENTS VERIFIED & ATTACHEDǁ – if submitted along with transaction

• ―KYCD ALREADY TAKEN AND VERIFIEDǁ – if already submitted.

40

Handling of KYC RecordsHandling of KYC RecordsHandling of KYC RecordsHandling of KYC Records

Disposal for KYC DocumentsDisposal for KYC DocumentsDisposal for KYC DocumentsDisposal for KYC Documents

Post Office POSB Accounts / Certificates

HO /SO Attached with AOF and kept in guard files.

BO Attached with AOF and sent to AO.

Disposal of PhotoDisposal of PhotoDisposal of PhotoDisposal of Photo

PO POSB Accounts / Certificates

HO / SO SB/RD/TD/MIS/PPF AOF, Annexure - II

SCSS AOF, Annexure - II & Passbook

BO SB/RD/TD BO SS book AOF, Annexure - II

Preservation of RecordsPreservation of RecordsPreservation of RecordsPreservation of Records

RecordsRecordsRecordsRecords PeriodPeriodPeriodPeriod

Long Books / List of Transactions 5 Years

Ledger Cards, Account Details, Account 5 Years after Closure

Opening Forms with KYCD

SS Book 5 Years after Closure

Account Closure Vouchers 5 Years after Closure

Purchase Application Form with KYCD 5 Years after Discharge

Other Vouchers 6 Years

Reporting of TransactionsReporting of TransactionsReporting of TransactionsReporting of Transactions

Cash Transaction Report (CTR)Cash Transaction Report (CTR)Cash Transaction Report (CTR)Cash Transaction Report (CTR)

DescriptionDescriptionDescriptionDescription ChannelChannelChannelChannel ScheduleScheduleScheduleSchedule

All CASH transaction exceeding Post Office - Divisional 3rd working day of

10,00,000/- & All CASH Office subsequent month

transaction in series which are

Divisional Office – Circle 5th working day of

less than Rs 10,00,000/- at a Office subsequent month

time but are integrated & total

Circle Office – Directorate 8th working day of

exceeds Rs 10,00,000/- in a subsequent month

month done by an individual

Suspected Transaction Reports (STR)Suspected Transaction Reports (STR)Suspected Transaction Reports (STR)Suspected Transaction Reports (STR)

DescriptionDescriptionDescriptionDescription ChannelChannelChannelChannel ScheduleScheduleScheduleSchedule

• Any transaction including Post Office - On the very same

attempted transactions involving Divisional Office day

forged or counterfeit currency Divisional Office – On the very same

notes forged Security or Circle Office day

•

documents Circle Office – On the very same

All suspicious transactions, Directorate day

involving deposit withdrawal,

transfer of account, solvency

41

certificate/ Indemnity certificate

etc. irrespective of the amount of

transaction.

Guidelines for Existing Accounts / Certificates Guidelines for Existing Accounts / Certificates Guidelines for Existing Accounts / Certificates Guidelines for Existing Accounts / Certificates

SB/RD/TD/MIS/PPF/SCSSSB/RD/TD/MIS/PPF/SCSSSB/RD/TD/MIS/PPF/SCSSSB/RD/TD/MIS/PPF/SCSS

• A printed notice will be handed over to the depositor/messenger at the time of next transaction(deposit/withdrawal)

• Based on balance in the account, KYCD will be taken

• If KYCD not submitted up to 3rd next transaction, 4th transaction will not

be allowed.

• RD accounts, opened through agents, ID and Address proof should be attested by agent concerned.

• If KYCD already taken for fresh investment, copy of PB/SC should be

produced, remark to be made in Account opening form/SS book of old accounts

• Transfer of Account, revival of silent account, SS differs– KYCD to be

taken

NSC / KVPNSC / KVPNSC / KVPNSC / KVP

• A notice will be displayed at the notice board in Public Hall to submit KYC documents

• If not provided before encashment, obtain at the time of encashment. (If

encashment through messenger, KYCD of holder to be collected)

• If not produced, discharge should not be allowed.

• For transfer from PO to PO, Person to person, SS difference also KYCD to be taken

42

SB - DECEASED CLAIMS– SETTLEMENT PROCEDURE

Types of ClaimsTypes of ClaimsTypes of ClaimsTypes of Claims

(a). With Nomination (b). With legal evidence

(c). Without Nomination / legal evidence

Norms for preferring claimsNorms for preferring claimsNorms for preferring claimsNorms for preferring claims ::::

When there is NO NOMINATION & NO LEGALNO NOMINATION & NO LEGALNO NOMINATION & NO LEGALNO NOMINATION & NO LEGAL EVIDENCE EVIDENCE EVIDENCE EVIDENCE –––– Claim up toClaim up toClaim up toClaim up to

Rs. 1 Lakh Rs. 1 Lakh Rs. 1 Lakh Rs. 1 Lakh can be claimed only after expiry of THREE MONTHSTHREE MONTHSTHREE MONTHSTHREE MONTHS from the date

of death of the depositor.

Norms for settlement of claims:Norms for settlement of claims:Norms for settlement of claims:Norms for settlement of claims:

7 days 7 days 7 days 7 days from the date of receipt of claim application along with other documents,

otherwise official will be made responsible

What the customer should presentWhat the customer should presentWhat the customer should presentWhat the customer should present????

For Savings Accounts SchemeFor Savings Accounts SchemeFor Savings Accounts SchemeFor Savings Accounts Scheme

With NominationWith NominationWith NominationWith Nomination With Legal EvidenceWith Legal EvidenceWith Legal EvidenceWith Legal Evidence Without Nomination &Without Nomination &Without Nomination &Without Nomination &

Without Legal EvidenceWithout Legal EvidenceWithout Legal EvidenceWithout Legal Evidence

• Claim Application (SB-30) for SB/RD/TD & MIS

For SCSS & PPF – Claim Application in Form –F & Form – G

respectively

• Death Certificate – In original or attested copy

• Passbook

• Copy of ID Proof and address proof of the claimant(s) Legal Evidence in original ANNEXURES

or certified copies or I) Letter of Indemnity

Attested copies with II) Affidavit Original (Original to be III) Letter of disclaimer

returned after verification) on Affidavit [Probate of Will /

Succession Certificate /

Letter of Administration]

For Savings For Savings For Savings For Savings CertificatsCertificatsCertificatsCertificats

With NominationWith NominationWith NominationWith Nomination With Legal EvidenceWith Legal EvidenceWith Legal EvidenceWith Legal Evidence Without Nomination &Without Nomination &Without Nomination &Without Nomination &

Without Legal EvidenceWithout Legal EvidenceWithout Legal EvidenceWithout Legal Evidence

NC-14 NC-15 NC-16 with Annexures

43

Probate of Will Probate of Will Probate of Will Probate of Will ---- It is a certificate granted by the competent Court to the effect

that the Will is genuine and is indeed the last Will left behind the deceased

Succession Certificate Succession Certificate Succession Certificate Succession Certificate ---- It is a certificate of succession of the properties of a

person who has died without making a Will, issued by the competent civil Court.

Letter of Administration Letter of Administration Letter of Administration Letter of Administration ---- A letter from the Court appointing an administrator

when there is no WILL from the deceased or there is no specifications on WILL.

Check list for sanction of claimCheck list for sanction of claimCheck list for sanction of claimCheck list for sanction of claim

� Account Particulars are correct and verified with our records ( Account No.,

Name of Depositor, Balance, Nominee name if any., etc.,)

� BPM/SPM/PM/Sr., PM has accepted the two witnesses in the claim

application (Postmaster accepting the claim application has to accept the(Postmaster accepting the claim application has to accept the(Postmaster accepting the claim application has to accept the(Postmaster accepting the claim application has to accept the

witnesses)witnesses)witnesses)witnesses)

� ID Proof and address proof of claimant(s) submitted

� Death Certificate in original submitted / photo copy duly compared by PM

Photo copy to be verified with original by BPM/SPM/PM and a

remark ―Compared with original and found correctǁ to be made

under his/her dated signatures & original returned to claimant

� Legal evidence is submitted (if No Nomination exist and claim exceeds 1

lakh) (or)

� Annexure viz., (if No Nomination and No legal evidence) (existence of

signatures)

SlSlSlSl AnnexureAnnexureAnnexureAnnexure Signed bySigned bySigned bySigned by Executed beforeExecuted beforeExecuted beforeExecuted before

1 Letter of Indemnity Claimant, Sureties, witnesses Notary Public

2 Affidavit All legal heirs Notary Public / Oath

Commissioner

3 Letter of disclaimer All legal heirs except claimant Notary Public / Oath

on affidavit Commissioner

44

ProcedureProcedureProcedureProcedure

• Date stamp all documents. • Receipt of claim application should be acknowledged on the same day

• In System generated (or) In Manuscript • Make entry in ‗Claim Register‘ • Verify the balance, Nomination details etc.

• If it is maintained at HO, to be verified from HO. • Detailed verification is not required. • Sanction the claim if you are competent, No separate sanction memo (with

some exceptions) is required if sanctioned by Postmasters. • Otherwise forward on the same day to the competent authority by ServiceServiceServiceService

Insured postInsured postInsured postInsured post • Pay the amount (thru Cheque) by getting the acquittance on the claim

application • Preserve a copy in claim file (Xerox copies of claim papers are to be kept as

office copy) and forward the original original original original as voucher to the HO/ SBCO as noas voucher to the HO/ SBCO as noas voucher to the HO/ SBCO as noas voucher to the HO/ SBCO as no

separate SB separate SB separate SB separate SB –––– 7A is required.7A is required.7A is required.7A is required. • If the claim is to be sanctioned by any other administrative authorities other

than the Postmaster, then the sanction will be issued separately . • PM/SPM concerned will fill up & sign in the sanction portion of claim

form attaching a copy of sanction. • Update the ‗Claim Register‘

• All payment should be made by cheque irrespective of amount

Special proceduresSpecial proceduresSpecial proceduresSpecial procedures

1) Claim Closure without Passbook

– refer the case to the Head of the Division – Get orders of Divisional Head for Closure of a/c without PB – Attach the order with the warrant of payment – Make remarks in Ledger and other records

2) Payment to Minor claimants

– to the person appointed in the nomination to receive it. – Where no nomination exist, Guardian (Father or Mother or a person

entitled under law when neither parent is alive) – Certificate to be furnished by the Guardian that the minor is alive

and the money is required on behalf of the minor 3) Claim not preferred by all the nominees at a time

– Can be sanctioned upto the share of the claiming nominee(s) – Passbook will be in the custody of Postmaster – An intimation to be sent to other nominee(s) regarding this.

45

Payment Options For Claimants On Payment Options For Claimants On Payment Options For Claimants On Payment Options For Claimants On SanctionSanctionSanctionSanction

SB, MIS &SB, MIS &SB, MIS &SB, MIS & RD &RD &RD &RD & SCSSSCSSSCSSSCSS Savings CertificatesSavings CertificatesSavings CertificatesSavings Certificates

PPFPPFPPFPPF TDTDTDTD

To be Can be Can be closed or – Take immediate payment closed closed continued by Spouse (or)

or only – Have fresh certificates in his contin Now spouse can / their name(s) (or) ued continue the SCSS A/C – Sub divide the certificate & even if he/she is already have fresh certificates issued in the

having a SCSS A/c names of the nominees in opened in his name. SB appropriate denominations

Order 07/2014

INTEREST ELIGIBILITYINTEREST ELIGIBILITYINTEREST ELIGIBILITYINTEREST ELIGIBILITY

Sl.Sl.Sl.Sl. TypeTypeTypeType Interest EligibleInterest EligibleInterest EligibleInterest Eligible

1. SB Upto the month preceding the month in which refund is made

2. RD As per table

3. TD For Completed years – Interest is applicable for completed years

(CI)

For Completed months – SB rate of Interest (SI)

4. MIS 1) Up to the month preceding the month in which refund is made

2) If claimed after maturity period, Bonus / PMI will also be paid if

applicable)

5. PPF Up to the month preceding the month in which refund is made

6. SCS Up to the date of death – SCSS Interest

S After date of death & up to date of payment – SB interest

7 KVP/ 1) As per table, as on the date in which refund is made

NSC 2) PMI will also be paid if applicable

General ConditionGeneral ConditionGeneral ConditionGeneral Condition

– Claims relating to Savings Bank Accounts and Savings Certificates shall

be treated as separate and the prescribed limit shall be applied separately;

– For each account or purchase application.

– The Sanctioning authority has to give precedence to nominee over all other

persons seeking claims.

– Only in those cases where the nominee has not claimed the amount and

legal heir produces Succession Certificate or Probate of will or Letter of

Administration, the claim should be settled in favour of legal heir without

waiting the nominee to prefer the claim.

46

Claim Sanctioning AuthoritiesClaim Sanctioning AuthoritiesClaim Sanctioning AuthoritiesClaim Sanctioning Authorities

Sl.Sl.Sl.Sl. AuthorityAuthorityAuthorityAuthority SAVINGS BANK ACCOUNTSSAVINGS BANK ACCOUNTSSAVINGS BANK ACCOUNTSSAVINGS BANK ACCOUNTS SAVINGSSAVINGSSAVINGSSAVINGS

NoNoNoNo (SB,RD,TD,MIS)(SB,RD,TD,MIS)(SB,RD,TD,MIS)(SB,RD,TD,MIS) CERTIFICATESCERTIFICATESCERTIFICATESCERTIFICATES

....

With NominationWith NominationWith NominationWith Nomination Legal EviLegal EviLegal EviLegal Evi---- WithouWithouWithouWithou WithWithWithWith LegalLegalLegalLegal WithoutWithoutWithoutWithout

dencedencedencedence tttt NomiNomiNomiNomi---- EviEviEviEvi---- NomiNomiNomiNomi----

SB, TDSB, TDSB, TDSB, TD RD,RD,RD,RD,

MISMISMISMIS NomiNomiNomiNomi---- nationnationnationnation dencedencedencedence nationnationnationnation

nationnationnationnation

1 T/S SPM 1,000 B&C– 1,000 1,000 No 1,000 1,000

1,000 limit

A–No

limit

2 LSG SPM 2,000 No 2,000 2,000 No No 2,000

Limit limit limit

3 HSG-SPM 5,000 No 5,000 5,000 No No 5,000

Limit limit limit

HSG-PM, No No No Limit 5,000 No No 5,000

MDG-PM Limit Limit limit limit

4 SR PM / SP No No No Limit 20,000 No No 20,000

(GR-B) Limit Limit limit limit

5 CPM / SSP No No No Limit 50,000 No No 50,000

(GR-A) Limit Limit limit limit

6 DPS ----- ------ ----- 75,000 ----- ----- 75,000

7 PMG / CPMG ----- ------ ----- 1 Lakh ----- ----- 1 Lakh

In respect of SCSS & PPF schemes, Postmaster of the office of In respect of SCSS & PPF schemes, Postmaster of the office of In respect of SCSS & PPF schemes, Postmaster of the office of In respect of SCSS & PPF schemes, Postmaster of the office of deposit is deposit is deposit is deposit is

the competent authority to sanction the claims.the competent authority to sanction the claims.the competent authority to sanction the claims.the competent authority to sanction the claims.

For without Nomination For without Nomination For without Nomination For without Nomination ---- If claim exceeds 1 Lac If claim exceeds 1 Lac If claim exceeds 1 Lac If claim exceeds 1 Lac –––– LEGAL EVIDENCE is LEGAL EVIDENCE is LEGAL EVIDENCE is LEGAL EVIDENCE is

compulsorycompulsorycompulsorycompulsory

Definition Definition Definition Definition ------------ BALANCEBALANCEBALANCEBALANCE

For Savings AccountsFor Savings AccountsFor Savings AccountsFor Savings Accounts For Savings CertificatesFor Savings CertificatesFor Savings CertificatesFor Savings Certificates

For the purpose of determining the For the purpose of determining the

sanctioning authority the term ― sanctioning authority, the limits should

Balanceǁ means the balance at credit be the maturity value of the certificate

on the date of death to which interest i.e., the face value plus the amount of

already accrued during the preceding interest accrued upto the last

years but excluding the interest for the completed year (or) half year, as the

current year. case may be, prior to the death of the

deceased holder.

47

SAVINGS BANK CONTROL ORGANISATION (SBCO)

Preamble:Preamble:Preamble:Preamble:———— Before the take over of S.B. control work from Audit, the branch

audit offices used to maintain duplicate Savings Bank ledger card in respect

of every S.B. account in addition to the ledgers maintained in the Head Post

Offices. Irregularities and discrepancies noticed by them at the time of

posting the transactions in the ledger cards from the savings bank returns

received from head post offices used to be taken up with the head offices in

the form of lengthy objection statements. The interest used to be calculated

by the audit and sent to Head Offices in the form of interest statement in the

middle of June every year. It was then posted in the ledgers and thereafter

the pass books were called for the entry of interest in them. The entire

procedure meant a check by a remote office on the transactions and the

procedure entailed duplication and delay. It was, therefore, felt necessary to

set up a local departmental machinery for ensuring an on the spot check on

the maintenance of ledger accounts in head offices and ensure their correct

maintenance.

The P&T Board decided in 1960 to take over the SB control work from the

A.G. P&T and abolish the duplicate ledger cards maintained in branch audit

offices. The approval of the A.G. P&T, C. A. G. and Ministry of Finance was

also obtained. The scheme was first tried on an experimental basis in 5 Head

Offices w.e.f. 1.1.1961. The experience then gained showed that the new

system was workable and was in the interest of efficiency and economy. The

scheme was then extended to all Head Offices in a phased program. The work

was taken over in phases and last phase completed on 1-10-1965. The C.T.D.

control work was also taken from the audit offices in phases w.e.f. 1.4.1966

and the last phase completed on 1.7.1976. Thereafter the pairing work of SB

accounts on transfer was also taken from the A.G. P&T w.e.f. 1.2.1973 and

entrusted to Pairing Organisation set up in each Circle.

Setting up of Control Organisation:Setting up of Control Organisation:Setting up of Control Organisation:Setting up of Control Organisation:————The Savings Bank accounts of the

depositors are maintained in the ledger cards by the SB Branch of the Head

Post Office. The deposit/withdrawal transactions as and when made by the

depositor are posted in the ledger card and balance is worked out after each

transaction. The ledger cards are kept in binders for the sake of convenient

handling and accounting. Each binder contains 300 ledger cards. The control

accounts of these binders i.e, binder-wise and office-wise balances of these

accounts, are maintained by a separate Organisation named as Savings Bank

Control Organisation set up in each Head Post Office.

48

ControlControlControlControl Organisation Organisation Organisation Organisation ———— Organisation and significance :Organisation and significance :Organisation and significance :Organisation and significance :———— The Savings Bank

Control Organisation has been set up in each Head Post Office to maintain

control accounts of Savings bank and carry out day-to day checks of the work

done by the SB Branch. The Control Organisation consists of Supervisor and

Postal Assistants. The Senior Postal Assistants are required to do the work of

checking of vouchers, cash and non-cash transactions, verification of binder

balances, checking of interest calculation, revival of silent accounts, etc. The

Junior Postal Assistants do only posting and listing work in the various

control registers. This Organisation is under the administrative control of the

Senior Superintendents/Superintendents of Post offices/Gazetted Postmasters

and functionally responsible to these authorities. The Organisation has a very

important role in respect of Savings Bank operations. Unless the performance

of this Organisation is efficient, the working of Savings Bank Branch will

suffer and frauds may be facilitated.

Functions of Control Organisation :Functions of Control Organisation :Functions of Control Organisation :Functions of Control Organisation :————

• To maintain control accounts of all the Savings Banks Schemes.

• To carry out percentage checks of vouchers and other items of work.

• To verify binder ledger balances periodically.

• To keep in its safe custody important records such as vouchers,

undelivered pass books, list of transactions, silent accounts lists,

Interest cum silent accounts statements, various control registers, etc.

• To check annual calculation of interest in SB/PPF/NSS accounts.

• To prepare annual interest and silent accounts statements.

• To submit periodical returns to various authorities such as Postal

Accounts Office, Divisional Office, Circle Office and Internal

Check Organisation (SB).

Relation of Control Organisation with the Postal Relation of Control Organisation with the Postal Relation of Control Organisation with the Postal Relation of Control Organisation with the Postal Accounts Office and Accounts Office and Accounts Office and Accounts Office and Audit:Audit:Audit:Audit:————

After the takeover of control accounts from the erstwhile audit and

accounts offices the Control Organisation is now required to submit a

monthly statement containing statistics of number of accounts, transactions,

balances, etc. at the close of the month to the Postal Accounts Office. In the

Postal Accounts Offices these statistics are consolidated for all the Head

Offices in the Circle in order to arrive at the final closing balance of the Circle

at the end of each month. The consolidated statistics of deposits, withdrawals

49

and closing balance under each category of accounts are intimated by the

Postal Accounts Office to the Directorate by the due date.

The Control Organisation is not required now to submit any return to the

audit office. This Unit is, however, inspected periodically by the audit party.

Pairing Organisation :Pairing Organisation :Pairing Organisation :Pairing Organisation :————A Pairing Unit in each Circle and one Central

Pairing Office has been set up in New Delhi. The Pairing Units are

responsible for pairing the credits and debits of Home Transfers (Transfer of

accounts from one Head Office to another in the same Postal Circle) and the

Central Pairing Office for pairing the credits and debits of Foreign Transfers

(Transfer of accounts from one Head Office to another in different Postal

Circles). The Circle Pairing Unit is under the administrative control of

Accounts Officer, Internal Check Organisation (Savings Bank) in each Circle

whereas the Central Pairing Office is under the charge of Accounts Officer,

Central Pairing Office. New Delhi. The Central Pairing Office also functions

as a Circle Pairing Unit for Delhi Postal Circle and Base Circle of Army Post

Offices. A separate section for this purpose has been formed in this office.

The Staff of the Circle Pairing Unit and Central Pairing Office consists of

Supervisor and Postal Assistants. The main function of Pairing Units/Office

is to compare the debit and credit items of Transfer from one Head Office to

another in order to check frauds in wrong opening of accounts with higher

balance in the transferee head office. These Units are inspected in detail by

the Accounts Officer, ICO (SB) once a year in addition to the routine

weekly/monthly checks which are carried out by him. The units are also

inspected by the audit party periodically.

Internal Check Organisation (SB) : Internal Check Organisation (SB) : Internal Check Organisation (SB) : Internal Check Organisation (SB) : ———— (1) The Internal Check Organisation

(SB) is an effective inspecting organisation for the inspection of the S.B.

Branch of Head Post Offices and Control Organisation. It has been set up in

each Postal Circle. It is under the administrative control of the Postmaster

General/Regional Director of Postal Services and under the charge of an

Accounts Officer, who is assisted by a Junior ACCOInts Officer, one or more

Postal Assistants and a Stenographer. The Accounts Officer is a technical

advisor on SB matters to the Regional Director/Postmaster General under

whom he may be working. The main functions of the Internal Check

Organisation are summarised as under:—

50

• To see that the staff of the Head Post Offices and the Control

Organisation carry out their functions as prescribed in the rules and

orders issued from time to time.

• To see that the prescribed checks by the Control Organisation on

the day-to-

• day functioning of the Head Office are carried out properly.

• To see that the registers of binder balances are maintained properly.

• To see that the various registers and documents prescribed to be maintained by the Control Organisation are being properly and regularly maintained.

• To see that the pending objections are settled without any abnormal delay.

• To review the objections pending over three months in order

Composition and Functions of SBCOComposition and Functions of SBCOComposition and Functions of SBCOComposition and Functions of SBCO

Duties of SupervisorDuties of SupervisorDuties of SupervisorDuties of Supervisor

1. Supervision over the staff of the Control Organisation. 2. Distribution of work among the start

3. To ensure that the sta ff performs the duties properly as prescribed in

these

rules and orders issued from time to time.

4. To perform the duties specifically assigned to him in these rules and in the orders issued from time to time.

5. To ensure that the periodical returns are sent by due dates.

6. To maintain Nominal Roll (MS-12) [Annexure I] in respect of staff of

the SBCO and put up the Roll once a week to the Postmaster for check.

Duties of Duties of Duties of Duties of Postal AssistantPostal AssistantPostal AssistantPostal Assistant

1. Examination of the lists of transactions.

2. Maintenance of register SB62(a) and SB-63.

3. Preparation of the list of binder balances for verification.

4. General check of vouchers. .

5. Checking of H.O. and S.O. transactions.

6. Checking of non-cash transactions and entries in the register SB-62.

7. Verification of binder balances.

51

8. Making entries in the consolidated journal (SB-72) and checking the daily

and progressive totals of different columns.

9. Any other work which may be entrusted to him by the Supervisor and also in the orders issued from time to time.

The P.A. will maintain various registers as prescribed from time-to time for the above mentioned items of work. In respect of objections raised by him he should ensure that the wanting information is furnished and satisfactory replies are given by the S.B. branch in time.

Distribution of work:Distribution of work:Distribution of work:Distribution of work:---- The Supervisor will prepare the Memo of distribution of work among himself and Postal Assistants and send it to the A.O. ICO(SB) for approval. After it is approved by the A.O., it will be followed rigidly by the staff and the Memo will be kept in a file in the personal custody of the Supervisor. Any change found necessary thereafter will also require approval of the Accounts Officer.

52

SBCO PROCEDURE – CBS ENVIRONMENT

(SB Order: 14 / 2015 (SB Order: 14 / 2015 (SB Order: 14 / 2015 (SB Order: 14 / 2015 –––– Addendum Addendum Addendum Addendum –––– II dt 04.08.2016)II dt 04.08.2016)II dt 04.08.2016)II dt 04.08.2016)

1. General1. General1. General1. General

1.1 1.1 1.1 1.1 As and when SOs are migrated to CBS, staff working in SOSB Branch

should be reduced and re-deployed either at POSB Counters or at CPC or in the

SBCO Branch for assistance in physical voucher checking.

1.2 1.2 1.2 1.2 Supervisor SBCO will identify one SBCO PA who will take vouchers bundles

with consolidation from Sub Account and tally totals shown in consolidation

with amount shown in SO Daily Account and SO Summary.

1.3 1.3 1.3 1.3 Handling of Agent Commission Schedules and ACG-17 by SBCO will be

discontinued.ACG-17 will be preserved alongwith Agent Commission

Report/schedule in the Accounts Branch of HPO and sent to PAO alongwith

other schedules

1.4 1.4 1.4 1.4 In case of RD deposits accepted through MPKBY Agents, only two copies of

Agent LOT is to be taken from the agent alongwith pay-in-slip and ACG-17. One

copy of Agent LOT will be kept in the office guard file and second copy Agent

schedule (LOT) should be attached with the pay-in-slip and placed at the end of

RD Voucher Bundle.ACG-17 is to be attached with the Agent Commission

Report/schedule and sent to Accounts Branch of HO.

1.5 1.5 1.5 1.5 Account Opening Form (SB-3/AOF) where KYC documents are attached will

not be transferred to SBCO along with Account Closure Voucher. APM/SPM

should record on the closed vouchers that ― SB-3/AOF retained with KYC

documentsǁ. In case of any SB-3 or AOF with whom KYC documents are not

attached (subsequently opened accounts), SB-3 or AOF is to be attached with the

closed voucher and sent to SBCO. SBSO branch of HOs will send all SB-3 of SOs

(migrated to CBS) to the respective SOs. In case of Accounts closed at the Post

Office other than the one where account was opened, Account Transfer Form

collected by the Post Office at the time of closure should be attached with the

closure voucher.

1.6 1.6 1.6 1.6 In case of any adjustment if required in interest, Postmaster/Sub Postmaster

will write error book and raise the issue to Head Postmaster who will raise the

issue with Supervisor SBCO. In case of any adjustment related to pre-migration

period, Head Postmaster will raise the issue with Divisional Head with copy of

error book who will after necessary inquiry (if required), approve adjustment and

send letter to SBCO Supervisor.

53

1.7 1.7 1.7 1.7 Postmaster/APM/SPM will be held personally responsible for all

transactions happened in the Finacle Office Accounts in the post office. They

should be vigilant while verifying thetransactions to see the Office Account

Number used by the User.

2.Change in procedure of Sealing of Vouchers and LOT by CBS Post Offices2.Change in procedure of Sealing of Vouchers and LOT by CBS Post Offices2.Change in procedure of Sealing of Vouchers and LOT by CBS Post Offices2.Change in procedure of Sealing of Vouchers and LOT by CBS Post Offices

2.1 2.1 2.1 2.1 Post Office staff will write name of Scheme and TRAN ID in red ink on

the right hand side of the voucher.

2.2 2.2 2.2 2.2 One deposit slip and one withdrawal slip will be prepared for auto-credit

of MIS/SCSS/TD to Savings and Savings to RD.

2.3 2.3 2.3 2.3 One deposit slip will be prepared for the total of each type of Agent

commission credited into savings accounts supported by consolidated list of

commission paid.

2.4 2.4 2.4 2.4 One withdrawal slip will be prepared by SPM/APM for the POSB Cheque

clearing amount ( based on the clearing amount intimated to Clearing House/HO) and print out of cheque‘s images should be attached to it.

2.5 2.5 2.5 2.5 At the closing of counter hours, all vouchers should be sorted scheme-wise

and TRAN ID wise. Vouchers should be tallied with LOT shown in the system by

Counter PA and Supervisor.

2.6 2.6 2.6 2.6 A consolidation of the scheme should be generated and printed by all CBS

post offices. Where laser printers are not available, while executing command in

HFINRPT, user has to select ―XLSǁ instead of ―PDFǁ (which is shown by default)

in the field ―Output File Nameǁ. Then report can be printed on Dot Matrix printer.

2.7 2.7 2.7 2.7 All vouchers including closed vouchers are to be sealed alongwith print out

of consolidation. One copy of consolidation (scheme-wise) is to be preserved in

post office in guard file to be maintained scheme-wise and date-wise. APM/SPM

will sign the consolidation and write the amount in words and figures alongwith

No. of Deposit/Withdrawal vouchers included in the bundle. If any manual

correction is made, it should be supported by copy of error book (one copy to be

attached with voucher, one copy with office copy of consolidation and one copy to

be sent to Divisional Office.

54

3. Overview of work of SBCO3. Overview of work of SBCO3. Overview of work of SBCO3. Overview of work of SBCO

Sl. Present Nature of After Implementation of CBS Postal No Work Manual of SB

Control Procedure

1 Receipt of Returns Will be discontinued. SBCO PA Rule -3

will receive Vouchers and

Consolidations of SOs directly from

Sub Account and APM (SB) HO

Counter for HO

2 Checking List of Will remain continued as at present. Rule – 4

Transactions SBCO has to carry out prescribed

[SB -60/76] checks of vocuhers and LOT (to be

viewed from Finacle) if there is any

discrepancy, print out of LOT may

be taken and objection should be

raised.

3 Un-posted Items Not applicable Rule – 6

4 Register of Non-cash Not applicable Rule – 7

transactions SB-62

[a]/85 [a]

5 Register of Office Not applicable

wise [SB- 63/RD85]

Balances.

6 Consolidated Has to be separately prepared for Rule – 9 *

Journal of all the CBS Post Offices (if all SOs are not

Schemes * migrated) by SBCO for the purpose

of tallying totals of SOs with SO

Summary and HO with HO

Summary. Total amount has to be

added below Consolidated Journal of

Sanchaya Post received from SOSB

and tallied with HO Cash Book.

7 i) General check of i) Will be carried out as prescribed in Rule – 11

vouchers Para 5.

ii) Will be carried out as prescribed

ii) Checking of in Para 5 for the following type of Rule – 15

Vouchers with vouchers:-

System Generated

LOTs (a) (a) (a) (a) All Closure vouchers of allAll Closure vouchers of allAll Closure vouchers of allAll Closure vouchers of all

schemes.schemes.schemes.schemes.

(b)(b)(b)(b) AllAllAllAll RDRDRDRD &&&& PPFPPFPPFPPF LoanLoanLoanLoan

disbursement vouchers.disbursement vouchers.disbursement vouchers.disbursement vouchers.

(c) All vouchers of Savings, PPF and(c) All vouchers of Savings, PPF and(c) All vouchers of Savings, PPF and(c) All vouchers of Savings, PPF and

55

SSA of the amount of Rs.20000/SSA of the amount of Rs.20000/SSA of the amount of Rs.20000/SSA of the amount of Rs.20000/---- andandandand

above for LSG and above offices andabove for LSG and above offices andabove for LSG and above offices andabove for LSG and above offices and

all vouchers of Savings, PPF andall vouchers of Savings, PPF andall vouchers of Savings, PPF andall vouchers of Savings, PPF and

SSA in respect of other officesSSA in respect of other officesSSA in respect of other officesSSA in respect of other offices

irrespective of any amount.irrespective of any amount.irrespective of any amount.irrespective of any amount.

(d)(d)(d)(d) All new accounts openedAll new accounts openedAll new accounts openedAll new accounts opened

vouchers for the amount of Rs.5 lakhvouchers for the amount of Rs.5 lakhvouchers for the amount of Rs.5 lakhvouchers for the amount of Rs.5 lakh

and above.and above.and above.and above.

8 Checking of Non- Not applicable Rule – 12

cash Transactions

9 Revival of Accounts Not applicable Rule – 12 [3] pre 01.01.2003

10 Objection Register Will remain continued without any Rule – 13

change

11 Reporting of Minus Not applicable Rule – 13 [2] balance

12 Verification of Not applicable Rule – 14

binder balances

13 Checking of Annual Not applicable Rule – 16

Interest

14 Preparation of Report taken from Finacle is to be Rule – 16*

Interest cum Silent compiled and Only summary will be

Accounts * required to be sent to DAP

14 Annual Listing Not applicable Rule - 38

.a. balances

RD/MIS/TD/SCSS

15 Silent Account Not applicable Rule – 17 (3) Revival Procedure

16 Un-used Cheque Continued as it is. Rule -18

Foils

17 Un-deliverable & Continued as it is. Rule – 19

spoilt Pass books

18 Statistical Register Only non financial part will be Rule – 20

continued.

19 Custody and Continued as it is (without LOT). Rule – 25

preservation of

records

20 Monthly progress Not applicable Rule – 26

Report

21 Checking of Agents Not applicable

Commission bill

22 Submission of Only Statistical Register (non Rule – 40

returns to AO & financial) and Interest Summary will

DAP * be continued. *

*This will be discontinued once CSI & FSI both are rolled out in all Post Offices

56

4 . Mode of handling of work4 . Mode of handling of work4 . Mode of handling of work4 . Mode of handling of work

1 Receipt of Vouchers Physical 2 Checking List of Transactions In system & print out is to

be taken only if there is any

objection. 3 Consolidated Journal* In MS Excel.*

4 General check of vouchers & checking of Manual & In system

vouchers

5 Objection Register Manual 6 Reporting of Minus balance Not applicable

7 Verification of office wise balances Not applicable

8 Checking of Annual Interest Not applicable

9 Preparation of Interest statement* Only grand summary will be

prepared manually / MS

Excel (not in system)*

10 Annual Listing balances Not applicable

RD/MIS/TD/SCSS

11 Un-used Cheque Foils Manual 12 Un-deliverable & spoilt Pass books Manual 13 Statistical Register* Manual/MS Excel*

14 Custody and preservation of records Manual 15 Monthly progress Report Not applicable

16 Checking of Agents Commission bill Not applicable

17 Submission of returns to DAP * Manual/MS Excel*

[*This will be discontinued once CSI & FSI both are rolled out in all Post Offices]

5.Duties of SBCO 5.Duties of SBCO 5.Duties of SBCO 5.Duties of SBCO PA/SupervisorPA/SupervisorPA/SupervisorPA/Supervisor

5.1 Examination of scheme-wise consolidation received from HO and SOs.

5.2 General Check of vouchers, checking of vouchers with LOTs viewed from

Finacle MIS server and checking the daily/progressive totals in the Cash Book.

5.3 Writing of Objections and maintenance of Objection Registers.

5.4 Entries of Interest Adjustments in Finacle and maintenance of Interest

AdjustmentRegister.

5.5 Unused Cheque Foils.

5.6 Undelivered/Spoiled Passbooks.

5.7 Maintenance of Statistical Registers (non financial)

5.8 Submission of Returns

5.9 Requisition of Vouchers for Inquiry.

57

5.10 Safe Custody of Keys.

5.11 Preservation of Record.

5.12 To maintain Nominal Roll(MS-12) in computerized form in respect of

SBCO staff.

5.13 Any other work which may be entrusted by the Supervisor/Divisional

Head/AO(ICO) and through any subsequent order issued from time

to time.

5.1 Examination of scheme5.1 Examination of scheme5.1 Examination of scheme5.1 Examination of scheme----wise consolidation received from HO and SOswise consolidation received from HO and SOswise consolidation received from HO and SOswise consolidation received from HO and SOs.

5.1.15.1.15.1.15.1.1 SBCO PASBCO PASBCO PASBCO PA

The designated Postal Assistant SBCO will receive Scheme-wise sealed

and stitched Voucher Bundles with Consolidation placed at the top from Sub

Account PA. He will generate fresh consolidation of each scheme from Finacle

Production Server (HFINRPT) and compare the print out received from SOs

with the system generated consolidation. Both the consolidations should be

tallied with the SO Daily Account and SO Summary. Voucher Bundle of HO will

be received from APM(SB) of HO Counter and amount shown in the

consolidation should be tallied with the fresh consolidation generated from

Finacle production Server (HFINRPT) and HO Summary. If there is any If there is any If there is any If there is any

discrepancy in both thediscrepancy in both thediscrepancy in both thediscrepancy in both the consolidations with SO Daily Account/Summary and the consolidations with SO Daily Account/Summary and the consolidations with SO Daily Account/Summary and the consolidations with SO Daily Account/Summary and the

same is not supported by copy of error book or special report, it shosame is not supported by copy of error book or special report, it shosame is not supported by copy of error book or special report, it shosame is not supported by copy of error book or special report, it should uld uld uld

immediately report to Supervisor SBCOimmediately report to Supervisor SBCOimmediately report to Supervisor SBCOimmediately report to Supervisor SBCO. All Voucher Bundles of each scheme

will be handed over to Supervisor SBCO. It is mandatory that consolidation

report should be generated from Finacle production system for reconciliation

5.1.25.1.25.1.25.1.2 SBCO SupervisorSBCO SupervisorSBCO SupervisorSBCO Supervisor

SBCO Supervisor will examine the voucher bundles and verify that the

Scheme-wise Consolidation bears signatures and designation stamp of the

Supervisor (APM)/Sub Postmaster and number of vouchers written on the

consolidation are tallied with number of vouchers attached with the bundle. He

will countersign each consolidation and mark to concerned SBCO PA as per

workload and availability of staff. In case of any shortcoming, he will write

objection and send copy of objection to the Postmaster. Supervisor SBCOSupervisor SBCOSupervisor SBCOSupervisor SBCO willwillwillwill

send immediate report on the difference between consolidation sent by SO or HO send immediate report on the difference between consolidation sent by SO or HO send immediate report on the difference between consolidation sent by SO or HO send immediate report on the difference between consolidation sent by SO or HO

and generated from the system by SBCO PA as well as SO Daily Account and and generated from the system by SBCO PA as well as SO Daily Account and and generated from the system by SBCO PA as well as SO Daily Account and and generated from the system by SBCO PA as well as SO Daily Account and

SO/HO Summary to Postmaster/Divisional Head and Vigilance branch of SO/HO Summary to Postmaster/Divisional Head and Vigilance branch of SO/HO Summary to Postmaster/Divisional Head and Vigilance branch of SO/HO Summary to Postmaster/Divisional Head and Vigilance branch of

Regional/Circle officeRegional/Circle officeRegional/Circle officeRegional/Circle office.

58

5.2 General Check of vouchers, checking of vouchers with LOTs viewed from 5.2 General Check of vouchers, checking of vouchers with LOTs viewed from 5.2 General Check of vouchers, checking of vouchers with LOTs viewed from 5.2 General Check of vouchers, checking of vouchers with LOTs viewed from

Finacle MIS server and checking the daily/ progressive totals in the Cash Book. Finacle MIS server and checking the daily/ progressive totals in the Cash Book. Finacle MIS server and checking the daily/ progressive totals in the Cash Book. Finacle MIS server and checking the daily/ progressive totals in the Cash Book.

Following checks should be exercised:Following checks should be exercised:Following checks should be exercised:Following checks should be exercised:----

5.2.15.2.15.2.15.2.1 SBCO SupervisorSBCO SupervisorSBCO SupervisorSBCO Supervisor

Supervisor SBCO, before handing over consolidation and voucher bundle to

SBCO PA, should prepare consolidation in MSEXCEL* for each scheme for

CBS Offices. He can download consolidation from Finacle (in MSEXCEL)* by

selecting SOL SET ID as input criteria and remove the data of SOs from where

vouchers are not received on that day and add data of those SOs from where

vouchers are received but these are not in the excel (due to transit). He will

struck total and if all SOs and HO are in CBS, the total will be tallied with the

Cash Book and progressive totals will be entered manually. If all offices are not

in CBS, totals of CBS Offices should be manually entered at the end of Sanchay

Post Consolidation at the end and totals are to be tallied with cash book as

usual.(where (where (where (where there is no transit, consolidation can be generated from Finaclethere is no transit, consolidation can be generated from Finaclethere is no transit, consolidation can be generated from Finaclethere is no transit, consolidation can be generated from Finacle

by entering set ID as input criteria.)by entering set ID as input criteria.)by entering set ID as input criteria.)by entering set ID as input criteria.)

*Once CSI and FSI are rolled out all over India, this activity will be

discontinued.

5.2.25.2.25.2.25.2.2 SBCO PASBCO PASBCO PASBCO PA

a) On receipt of Voucher Bundle and Consolidation, On receipt of Voucher Bundle and Consolidation, On receipt of Voucher Bundle and Consolidation, On receipt of Voucher Bundle and Consolidation, SBCO PA will carry out SBCO PA will carry out SBCO PA will carry out SBCO PA will carry out

general check of vouchers for all the vouchers in the bundle. Following checks general check of vouchers for all the vouchers in the bundle. Following checks general check of vouchers for all the vouchers in the bundle. Following checks general check of vouchers for all the vouchers in the bundle. Following checks

should be carried out as part of general check:should be carried out as part of general check:should be carried out as part of general check:should be carried out as part of general check:----::::----

(i) The entries in the vouchers are complete and there are no

suspicious erasures and alterations. (ii) The date stamp of the office has been affixed on the voucher. (iii) The application for withdrawal bears the signature of the depositor. (iv) The warrant of payment bears the signature of the Postmaster in token

of having authorized the payment. (v) There is acquaintance of the depositor or his messenger on the warrant

of payment in token of having received the amount. (vi) The identification of the depositor, wherever taken, is in proper form

and witness has written full name and address on the Form. (vii) In the case of illiterate depositor, the thumb impression has been attested

on both the sides of the voucher. (viii) Scheme name and Tran ID is written on each voucher.

59

bbbb)))) SBCO PA will login to MIS server and generate LOT. Following checks SBCO PA will login to MIS server and generate LOT. Following checks SBCO PA will login to MIS server and generate LOT. Following checks SBCO PA will login to MIS server and generate LOT. Following checks

should be carried out for tshould be carried out for tshould be carried out for tshould be carried out for the vouchers prescribed to be checked with system he vouchers prescribed to be checked with system he vouchers prescribed to be checked with system he vouchers prescribed to be checked with system

generated LOT:generated LOT:generated LOT:generated LOT:----

(i) Whether the amount written on the Account Opening Form (AOF), Pay-in-

Slip, Warrant of Payment of SB-7 or SB-7A or Account Closure Form by the post

office and the depositor agrees with that shown in the system generated List Of

Transactions (viewed from Finacle MIS server). (ii) Account number written by the depositor on the voucher tallies with

the account number shown in the system generated LOT. (iii) Transaction date displayed at the top of LOT and Value date shown in

LOT against the transaction is same and if there isa difference in both, it is

supported by proper error extract or approval of competent authority (except

in case of deposits through cheques of other banks). If there is any difference of

more than 3 days (in other than clearing) and more than 7 days in (clearing)

transactions, full transaction should be checked in Finacle through HTI and

objection should be raised if required. While sending copy of the objection to

Postmaster of HPO, print out of LOT/Screen Shot of HTI should be taken and

attached. (iv) That in case of withdrawal exceeding Rs. 5000/- the signature of the

depositor on the withdrawal form has been attested by two postal officials except

in Single Handed Offices (list of Single Handed offices to be taken from the

Divisional Head by Supervisor SBCO). (v) In case of transactions by cheque, the rules relating to cheques have

been observed. In case of CTS clearing, image of the cheque should be treated

equivalent to the hard copy of the cheques.

SBCO PA will place his/her full signature on each voucher checked with system SBCO PA will place his/her full signature on each voucher checked with system SBCO PA will place his/her full signature on each voucher checked with system SBCO PA will place his/her full signature on each voucher checked with system

generated LOT. No voucher checking register should be maintained separately.generated LOT. No voucher checking register should be maintained separately.generated LOT. No voucher checking register should be maintained separately.generated LOT. No voucher checking register should be maintained separately.

cccc)))) Supervisor SBCO (wherever posted/available) will carry out same checks as Supervisor SBCO (wherever posted/available) will carry out same checks as Supervisor SBCO (wherever posted/available) will carry out same checks as Supervisor SBCO (wherever posted/available) will carry out same checks as

mentioned mentioned mentioned mentioned in (b) above for 5% of the vouchers (to be selected from transactions in (b) above for 5% of the vouchers (to be selected from transactions in (b) above for 5% of the vouchers (to be selected from transactions in (b) above for 5% of the vouchers (to be selected from transactions

of greater than Rs.50,000/of greater than Rs.50,000/of greater than Rs.50,000/of greater than Rs.50,000/----) checked by every SBCO PA and countersign in full ) checked by every SBCO PA and countersign in full ) checked by every SBCO PA and countersign in full ) checked by every SBCO PA and countersign in full

on these vouchers in token of having exercised prescribed checks.on these vouchers in token of having exercised prescribed checks.on these vouchers in token of having exercised prescribed checks.on these vouchers in token of having exercised prescribed checks.

60

5.3. 5.3. 5.3. 5.3. Writing of Objections and maintenance of Objection Registers.Writing of Objections and maintenance of Objection Registers.Writing of Objections and maintenance of Objection Registers.Writing of Objections and maintenance of Objection Registers.

5.3.1 5.3.1 5.3.1 5.3.1 Any irregularity noticed will be entered in clear and concise words in the

Objection Register and copy of objection should be sent to Postmaster of HPO

supported by printed copy of LOT/Finacle screen.

5.3.2 5.3.2 5.3.2 5.3.2 If the irregularity relating to a transaction is such as would affect its

validity e.g., if there is erasure or overwriting or the depositor's acquaintance is

wanting, the amount involved should be placed under objection. Vouchers once

received by the Control Organization should not be given back to the Head

Office.

5.3.35.3.35.3.35.3.3 Every irregularity should be brought to the notice of the Postmaster

for necessary action.

5.3.45.3.45.3.45.3.4 Supervisor SBCO will write to Head of Postal division in case of

those objections where inquiry is required and those which are not settled

within 30 days.

5.4 Entries of Interest Adjustments in Finacle and maintenance of Interest 5.4 Entries of Interest Adjustments in Finacle and maintenance of Interest 5.4 Entries of Interest Adjustments in Finacle and maintenance of Interest 5.4 Entries of Interest Adjustments in Finacle and maintenance of Interest

Adjustment RegisterAdjustment RegisterAdjustment RegisterAdjustment Register

5.4.1 5.4.1 5.4.1 5.4.1 Supervisor SBCO will maintain Interest Adjustment Register manually

and execute Interest Adjustments in Finacle through HIARM menu after

getting approval from the competent authority.

5.4.2 5.4.2 5.4.2 5.4.2 Details of interest adjustments will be communicated to PAO (DAP)

with copy to AO(ICO) on monthly basis.

5.5 Unused 5.5 Unused 5.5 Unused 5.5 Unused Cheque FoilsCheque FoilsCheque FoilsCheque Foils

5.5.1 5.5.1 5.5.1 5.5.1 If the depositor of the cheque account closes his account or ceases to avail

of the cheque facilities, the Postmaster will take over from him the cheque book

containing unused cheques. Counter Supervisor will cancel each cheque under

his dated signatures and designation stamp.

5.5.25.5.25.5.25.5.2 At the close of the day the Postmaster will transfer the partly used

cheque books to the Control Organization duly entered in the voucher list.

5.5.35.5.35.5.35.5.3 The Supervisor SBCO will verify that all unused cheque foils have

been cancelled by Counter Supervisor and keep them in his personal custody.

In case of any missing cancellation, Supervisor will cancel the cheque under his

own signatures.

61

5.5.4 5.5.4 5.5.4 5.5.4 The Control Organization will enter the particulars of unused cheques in

a manuscript register in the following form after noting the date of receipt on

the top. The serial number of the register will be in an annual series starting

from No. 1 in April.

5.5.5 5.5.5 5.5.5 5.5.5 These cheque leaves should be destroyed during inspection of

AO(ICO) in his presence.

5.6 Undelivered/Spoiled Passbooks/Will Follow items5.6 Undelivered/Spoiled Passbooks/Will Follow items5.6 Undelivered/Spoiled Passbooks/Will Follow items5.6 Undelivered/Spoiled Passbooks/Will Follow items

5.6.1 5.6.1 5.6.1 5.6.1 As and when a fresh pass book is issued in lieu of a spoilt one, spoilt pass

book will be transferred by the Head Office to the Control Organization duly

entered in the Savings Bank voucher list.

5.6.25.6.25.6.25.6.2 The Control Organization will enter the particulars of the

spoilt pass books in a manuscript register in the following form.

5.6.35.6.35.6.35.6.3 The Serial No. in the register will be in an annual series starting

from No. 1 in April. The pass books will be kept in an almirah in the

personal custody of the Supervisor

5.6.4 5.6.4 5.6.4 5.6.4 If for any reason, a voucher does not accompany the list/of transactions,

the remark "will follow" must have been noted by the head office against the

relevant entry.

5.6.5 5.6.5 5.6.5 5.6.5 In case such a remark has not been noted by the head office, the official

should bring this to the notice of the Postmaster immediately without

damaging the seal on the bundle of vouchers.

5.6.6 5.6.6 5.6.6 5.6.6 An entry should also be made in the "Register of vouchers not received" in

form prescribed (Annexure 3 of Rule 4 of Postal Manual of SB Control) and the

Serial number of the entry in the register should be noted against the relevant

account number in the list of transactions .

5.7. Statistical Registers (Non Financial)5.7. Statistical Registers (Non Financial)5.7. Statistical Registers (Non Financial)5.7. Statistical Registers (Non Financial)

5.7.1 5.7.1 5.7.1 5.7.1 The Supervisor/PA Supervisor Control Organization, at the end of each

month will generate Statistical report with HO SOL Set ID (non financial) from

Finacle MIS server. If all Post Offices under HO are on CBS, copy of the report

should be sent to PAO and AO(ICO) and if some offices are in CBS, totals of

this report should be added while sending Statistical Report to PAO(DAP).

5.7.2 5.7.2 5.7.2 5.7.2 Note:- Non- financial means statistical information of number of

accounts and number of transactions etc.

62

5.85.85.85.8 Submission of Returns*Submission of Returns*Submission of Returns*Submission of Returns*

Sl. Particular of Return Office to which Due Date

No due

1 Copy of the statistical register Postal Accounts By the 10th of the

(non financial if all Post Offices Office following month

in CBS)

2 Report of Silent Accounts ( to be PAO By the 10th of the

taken from Finacle Application) following month

3 Annual Interest Summary PAO & AO (ICO) In the month of April

* Once CSI Data Warehousing solution will be in place and DAPs/AO(ICO)

are also online, these reports need not to be sent by SBCO as these reports

can be viewed on line byDAP/AO(ICO).

5.95.95.95.9 Requisition of Vouchers for InquiryRequisition of Vouchers for InquiryRequisition of Vouchers for InquiryRequisition of Vouchers for Inquiry

5.9.1 May be given to the Divisional Supdt/Postmaster under receipt.

5.9.2 Requisition be signed personally by the Divisional Supdt/ PM.

5.9.3 If any voucher is required for investigation by the police, the police

should send the application to the Head of the Postal Circle.

5.9.4 Keeping an a nested copy of the voucher in its place, the voucher

should be delivered to the Police authorities after getting the copy of

the voucher attested by the officer concerned.

5.9.5 The voucher/document should be sent by insured post when it

cannot be conveniently transferred by hand under receipt.

5.9.6 Record of the vouchers given be maintained in a separate register

and case pursued by the C.O. to obtain back the voucher/document.

5.9.7 When the voucher/document is received back, it is kept in its proper

place by the in charge SBCO The requisition slip and the attested

copy will be removed and kept in aseparate file. The bundle will be

again resealed.

5.9.8 The vouchers/documents required to be preserved in connection

with fraud cases will be made over to the Divisional Supdt till the

finalization of case and need not be preserved by the SBCO.

Note:Note:Note:Note:---- It is not open to Postmasters, Inspectors, etc. to see in person or to call It is not open to Postmasters, Inspectors, etc. to see in person or to call It is not open to Postmasters, Inspectors, etc. to see in person or to call It is not open to Postmasters, Inspectors, etc. to see in person or to call

back any record or document except on aback any record or document except on aback any record or document except on aback any record or document except on a written requisition. Whenever any written requisition. Whenever any written requisition. Whenever any written requisition. Whenever any

voucher or document is required by these officers, the same may be obtained on voucher or document is required by these officers, the same may be obtained on voucher or document is required by these officers, the same may be obtained on voucher or document is required by these officers, the same may be obtained on

a written requisition only.a written requisition only.a written requisition only.a written requisition only.

63

5.105.105.105.10 Safe custody of KeysSafe custody of KeysSafe custody of KeysSafe custody of Keys

5.10.1 The duplicate keys of steel almirahs, etc. supplied to S.B.C.O. will be

kept by the A.O.ICO(SB) in his personal custody.

5.10.2 The Supervisor SBCO will send all the duplicate keys by parcel post

registered and insured for Rs. 100 to the A.O.ICO(SB) after

entering their number in a list to be prepared in triplicate.

5.10.3 When the original key is lost by the SBCO the matter will be

reported to the A.O.ICO(SB) who will authorize the issue of

duplicate key. The A.O. will make necessary entries in the register

and attest them.

5.10.4 The duplicate key will be sent by parcel post registered and insured

for Rs.100

5.115.115.115.11 Preservation of RecordPreservation of RecordPreservation of RecordPreservation of Record

SlSlSlSl RecordRecordRecordRecord Preservation PeriodPreservation PeriodPreservation PeriodPreservation Period

(i) Vouchers with Consolidation 5 years

(ii) Consolidated Journal 1 Year

(iii) Undeliverable Passbook 1 year

(iv) Statistical Register 3 Years

(v) Objection Register 2 Years after settlement of all objections

(vi) Interest Adjustment Register 5 Years

5.12 To maintain Nominal Roll(MS5.12 To maintain Nominal Roll(MS5.12 To maintain Nominal Roll(MS5.12 To maintain Nominal Roll(MS----12) in computerized form in respect of 12) in computerized form in respect of 12) in computerized form in respect of 12) in computerized form in respect of

SBCO staff.SBCO staff.SBCO staff.SBCO staff.

Supervisor SBCO shall maintain Nominal Roll in respect of SBCO staff in

computerized form in the format of MS-12 which will be checked by all

visiting/Inspection Authorities during visit/Inspection.

64

FINACLE MENUS

TopicTopicTopicTopic PurposePurposePurposePurpose Menu OptionMenu OptionMenu OptionMenu Option

Checking for duplicate CIFs CDEDUP

Creating new CIF & Verification CCRC / CIFCR

Modification Before Verification CCRC / CIFCR

CIFCIFCIFCIF Modification after verification or CMRC / CIFMD

modification in existing CIF ID

Merger of CIF HCCA

CIF Search HCRV

Opening a new SB A/c CASBAO/QDESA

Modification Before Verification CASBAOM/QDEMSABV

Verification of new a/c CASBAV/QDESAVF

Modification after verification or CASBAM/QDEMSA

modification in existing A/c ID

Funding of the Account By Cash & CTM

Verification

Funding of the Account By A/c CXFER

Transfer & Verification

SB A/cSB A/cSB A/cSB A/c Printing of Pass Book HPBP

Closing of Account & Verification HCAAC / CLOSE

Find out the new account no. for old CNAC

account no.

Changing the status of the customer HCBM

from Minor to Major Report

Print spooled reports HPR

Account Transactions Inquiry HACLI

Account Balance Inquiry HACCBAL

Account Details Enquiry HACCDET

Add Inventory & Verify HIMC

Selecting SO SOL ID for Transferring HCCS

Inventory by HO

Split Inventory Own Location HISAI

Split Inventory Other Location HISIA

InventoryInventoryInventoryInventory Merge Inventory Own Location HIMAI

ManagementManagementManagementManagement Merge Inventory Other Location HIMIA

Inventory Status Report HISR / HISRA

Inquire Inventory (Between HIMI

Locations – Movement)

Inquire Inventory (Particular HIIA

Location – Available)

Issue Across the Counter Cheque HICHB / HICHBA

Cheque BookCheque BookCheque BookCheque Book Book & Verify

IssuanceIssuanceIssuanceIssuance Enquiry of Cheque Book HCHBI

Enquiry of A/c with Cheque No. HINQACHQ

65

LienLienLienLien Marking / Removing Lien on A/c & HALM/ACLNM

MaintenanceMaintenanceMaintenanceMaintenance Verify

Freezing A/cFreezing A/cFreezing A/cFreezing A/c Freezing / Unfreezing A/c and Verify HAFSM/ACTFRS

Marking / Revoking Stop Payment of HSPP/CHSTOP

StopStopStopStop Cheque

Verifying Marking / Revoking Stop HSPPAU

PaymentPaymentPaymentPayment

Payment of Cheque

Stop Payment Report HSPRG/CHSTPR

SI Creation & Verify HSSIM / HSIM

StandingStandingStandingStanding SI Inquiry HSSII

SI Reports HSIREPTS/SIREP

InstructionsInstructionsInstructionsInstructions

SI Register Print HSIRP

SI Advice Print HSIADVC

Teller cash balance position – Own HTCPI

Teller cash balance position – Any HTCPIAE/ TRTWCPIE

Teller

Vault Transactions Entering, Posting HTM

VaultVaultVaultVault & Verifying

Transaction Inquiry by Tran ID HTI

TransactionsTransactionsTransactionsTransactions

Teller Transaction Wise Cash Report HSCWRPT

- Own

Teller Transaction Wise Cash Report HSCWRPTA

– Any Teller

See scheme-wise reports HFINRPT

Inquire on Transactions HIOT

Postings into Office Accounts Basic HTM

OfficeOfficeOfficeOffice and Office Accounts Pointing &

AccountsAccountsAccountsAccounts Verification

Ledger Inquiry – Office Accounts HACLINQ

Printing of Office A/c Ledger HACLPOA

Open TD A/c CMISAOP/ MISAO

Modify TD a/c before verification CMISAOPM / MISAMBV

Verify new TD A/c CMISAOPV/ MISAVF

Modify & Verify existing TD A/c CMISAM /MISAMAV

Funding TD a/c by Cash TRCDP/ CTM

Funding TD A/c by Transfer TRTFR/HXFER/CXFER

TD Renewal History HRENHIST

TermTermTermTerm TD Transaction History HTDTRAN

DepositsDepositsDepositsDeposits Printing Pass Book HPBP

Extension of TD A/c & Verify TDRED/HTDREN

Close TD A/c HCAACTD/TDACTCL

Verify closure of TD A/c HCAACVTD/TDACTCLV

Enquire Details of a TD A/c TDINQ

Payment Closure Proceeds by Cash HCASHPND

66

Inquiry on holding amount of an CLIMIT

existing MIS A/c holder

Open MIS A/c CMISAOP/MISAO

Modify MIS a/c before verification CMISAOPM / MISAMBV

Verifying new MIS A/c CMISAOPV/MISAVF

Modify & Verify existing MIS A/c CMISAM /MISAMAV

MISMISMISMIS Inquiry into Old Sanchay Post TIPM

Transactions

Extension of MIS A/c & Verify TDRED/HTDREN

Close MIS A/c HCAACTD/TDACTCL

Verify closure of MIS A/c HCAACVTD/TDACTCLV

Inquire on MIS Interest in Sundry HIOT

A/c

Payment of MIS Interest by Cash HTM

Open SCSS A/c CSCAOP/SCSSAO

Modify SCSS A/c before verification CSCAOPM/SCSSMBV

Verify new SCSS A/c CSCAOPV/SCSSAV

Modify & Verify existing SCSS A/c CSCAM/SCSSMAV

SCSSSCSSSCSSSCSS Close SCSS A/c HCAACTD/TDACTCL

Verify closure of SCSS A/c

HCAACVTD/TDACTCLV

Extension of SCSS A/c & Verify TDRED/HTDREN

TDS Inquiry and Print HTDSIP

TDS Customer wise report HTDSREP

generation

Open New RD A/c CRDOAAC/RDAOCM

Modify RD A/c before verification CRDOAACM/RDMAO

Verify RD A/c Opening CRDOAACV/RDAOVF

Modify & Verify existing RD A/c CRDACM/RDAMM

Pass Book Printing HPBP

RDRDRDRD RD A/c Installment Deposit & RDAMT/CRDP

Verifying

Check Pending Installment HPLIST/RDPENINS

Extension of RD A/c & Verify PRDCM

Close RD A/c & Verify CRDCAAC/RDACLM

Open New NSC CMISAOP/MISAO

Modify NSC before verification CMISAOPM / MISAMBV

Verify new NSC CMISAOPV/MISAVF

Modify existing NSC / KVP A/c CMISAM /MISAMAV

NSC / KVPNSC / KVPNSC / KVPNSC / KVP Closing NSC & KVP A/c and

Verifying

NSC/KVP Certificate Transfer and

Verifying

A/c Maintenance Inquiry

67

Open PPF A/c CPPFAO/PPFAO

Modify PPF A/c before verification PPFAMBV/CPPFAOM

Verify new PPF A/c CPPFAV

Modify existing PPF A/c PPFAMAVF/CPPFAM

Funding of PPF A/c & Verifying CPDTM

Withdrawal from PPF A/c & CPWTM

PPFPPFPPFPPF Verifying

Extension of PPF A/c & Verifying PPFAEXT/HCEXTN

Closure of PPF A/c and Verifying HCAAC / CLOSE

Zeroise interest for Transfer-out a/c HINTTM

Transactions Upload to Transfer-in CTUPLD

a/c

CBS to CBS Transfer A/c HACXFSOL

Open RD Loan A/c CAOLARD/RDHWAO

Modify RD Loan A/c before CAOMLARD/RDHWAMBV

verification

Verify new RD Loan A/c CAOVLARD/RDHWAVF

RD LoanRD LoanRD LoanRD Loan Modify existing RD Loan A/c CACMLARD/RDHWAMAV

RD Loan disbursement LARDD/RDHWDP

RD Loan Repayments – Unscheduled HLAUPAY

RD Loan Repayments – Scheduled HLASPAY

RD Loan A/c Payoff & Verification HPAYOFF

RD Loan A/c closure & verification CAACLA

Open PPF Loan A/c CLPPFAO/PPFLAO

Modify PPF Loan A/c before CLPPFAOM/PPFLAMBV

verification

Verify new PPF Loan A/c CLPPFAOV/PPFLAVF

PPF LoanPPF LoanPPF LoanPPF Loan Modify existing PPF Loan A/c CLPPFAM/PPFLAMAV

PPF Withdrawal, Loan Disbursement CPWTM/PPFWLINT

and Interest Recovery

Repayment of PPF Loan CPDTM/ PPFDPLR

Before PPF Loan A/c closure CLPR and HACINT

Closure of PPF Loan A/c & Verify HCAAC / CLOSE

Lodge Instruments at SO / HO Level HOMSO

Report generation for cheques lodged HOMSOEX

by SO / HO

File download of SO by HO HTRFTOPC

File Upload by HO HCLUPLD

OutwardOutwardOutwardOutward O/w Zone – Open, Suspend, Release HMCLZOH

to Shadow Balance, Regularize

ClearingClearingClearingClearing

O/w clearing cheques lodging in the HOCTM

zone

Lodged O/w Clearing cheques bulk HOCTV

verification

Print Outward Clearing Schedule HPCLSO

Inquiry of Lodged Cheques HIOCLS

68

Marking certain cheques pending in HMARKPEN

a zone

Revoke pending status of the cheques HREVPEND

I/w Zone –Open, Suspend, Validation HMICZ

Run, Post, Close

InwardInwardInwardInward Upload I/w Clearing File HRMI

Verify and Post I/w Clearing records, HICTMO

ClearingClearingClearingClearing

Return Marking

Print Inward Clearing Dump HPICW

Report of I/w clearing rejects HREJREP

OutstationOutstationOutstationOutstation Lodge & Realize / Dishonour OCC & HIRM

ChequeChequeChequeCheque Verify

CollectionCollectionCollectionCollection Enquire on remittances HINWREMI

Enable the facility of ECS for the RD –

customers at the time of account CRDOAAC/RDAOCM,

opening TD/MIS –

CMISAOP/MISAO, SCSS –

CSCAOP/SCSSAO

Enable the facility of ECS for the SB – CASBAM/QDEMSA,

ECSECSECSECS existing customer MIS/TD –

CMISAM/MISAMAV, RD -

CRDACM/RDAMM, SCSS

- CSCAM/SCSSMAV

Add ECS Mandate and Verify HECSM

Create ECS dump HEGOC

Settlement process run HEOSR

Rejection Processing HEORP

Agent PortalAgent PortalAgent PortalAgent Portal Create Agent ID & Verify HDSAMM

Post Agent‘s Transactions & Verify HAGTXP

Check Unverified Financial HFTI

Transactions

Check Un-authorized Functions HAFI

All pending activities report – By SO HSVALRPT

EOD / BODEOD / BODEOD / BODEOD / BOD SOL Change of Operating Date – By HSCOD

SO

ProcessProcessProcessProcess

Check SOL Status –by HO

HSSI

SOL Closure Operations – Run By HSOLCOP

HO by Sol Set ID

SOL Closure for Last Day – Run by HSCOLD

HO

MemopadMemopadMemopadMemopad Create Memopad HMEMOPAD

Verify Created Memopad

HMPAU

Withdrawal Transactions CTM or CXFER

NSSNSSNSSNSS Amend Nomination Details & Verify HACM

Recover TDS before Closure

HCACC

Closure of NSS A/c & Verify HCAAC / CLOSE

69

Removal of Freeze & Verify HAFSM

Enquire NSS92 original deposit HACM_MIS Codes

amount (Free Text 12)

Enquire NSS Form 15G / 15H update HACM_MIS Codes

(Free Code 9)

ExceptionalExceptionalExceptionalExceptional Change of Scheme & Verify HACXFRSC / TFRSCH

A/cA/cA/cA/c

DiscontinuedDiscontinuedDiscontinuedDiscontinued Payment of Principle Amount & HTM

SchemeSchemeSchemeScheme Verify

Payment of PMI Amount & Verify CTM or CXFER

Important Inquiry Options:Important Inquiry Options:Important Inquiry Options:Important Inquiry Options:

PurposePurposePurposePurpose Menu OptionMenu OptionMenu OptionMenu Option

Duplicate CIF CDEDUP

Accounts Linked to a CIF HCRV

Transactions in a customer a/c HACLI

Transactions in office a/c HACLINQ

Find out the new account no. for old account no. CNAC

Inquire Balances in the customer a/c HACCBAL

Inquire general details of customer a/c HACCDET

Inquire Inventory (Between Locations – Movement) HIMI

Inquire Inventory (Particular Location – Available) HIIA

Enquiry of Cheque Book HCHBI

Enquiry of A/c with Cheque No. HINQACHQ

Inquire on Transactions in Office Accounts HIOT

Term Deposits Transaction Details HTDTRAN

Inquiry into Old Sanchay Post Transactions TIPM

A/c Maintenance Inquiry HACITD

Standing Instruction Inquiry HSSII

Particular transaction inquiry with Tran ID HTI

Teller cash balance position – Own HTCPI

Teller cash balance position – Any Teller HTCPIAE/ TRTWCPIE

Search existing customer and accounts HACS

Inquiry of lodged outward clearing cheques HIOCLS

Enquire on remittances HINWREMI

Inquire Status of Financial Transactions (E/P/V) HFTI

Enquire NSS92 original deposit amount (Free Text 12) HACM_MIS

Codes

Enquire NSS Form 15G / 15H update (Free Code 9) HACM_MIS

Codes

70

Important Office Account Nos.Important Office Account Nos.Important Office Account Nos.Important Office Account Nos.

A/c DescriptionA/c DescriptionA/c DescriptionA/c Description A/c No.A/c No.A/c No.A/c No.

Postmaster Cheque A/c Sol ID 0340

New A/c Opened by NDC Sol ID 0382

PPF & RD deposit by NDC Sol ID 0017

RD deposit by NDC by Agents Sol ID 0017

TD Interest Payment by Cash Sol ID 0335

MIS Interest Payment by Cash Sol ID 0337

SCSS Interest Payment by Cash Sol ID 0338

Vault A/c ID Sol ID 0406

Branch Settlement A/c Sol ID 0339

Sundry A/c Sol ID 0324

Menu Shortcuts forMenu Shortcuts forMenu Shortcuts forMenu Shortcuts for Important ReportsImportant ReportsImportant ReportsImportant Reports

FunctionFunctionFunctionFunction Report DescriptionReport DescriptionReport DescriptionReport Description MenuMenuMenuMenu

Reports View / Print System Generated HPR

Reports

Reports View / Print Customised Reports HFINRPT

Clearing Inward Clearing Dump HPICW

Clearing Print Outward Clearing Dump HPWO

Clearing Print Inward Clearing Returns HREJREP

Advice / Report

Stop Payment Stop Payment Register HSPRG

Standing Instructions Standing Instructions Report HSIREPTS

Cash Cash Transactions done by Teller HSCWRPT

Transactions Financial Transactions Report HFTR

Exceptions Exceptions Report HEXCPRPT

TD / MIS / SCSS / RD A/c Balance Details HACDET

Office Accounts Ledger Prints HACLPOA

Savings Accounts Minor Turned Major Report HCBM

EOD All pending activities report HSVALRPT

Various Reports in FinacleVarious Reports in FinacleVarious Reports in FinacleVarious Reports in Finacle

� OFFICE ACCOUNTS AND REPORTSOFFICE ACCOUNTS AND REPORTSOFFICE ACCOUNTS AND REPORTSOFFICE ACCOUNTS AND REPORTS

� HIOT – Inquire on transaction

� HIEARP- Income and Expenditure Analysis Report

� HIEMRP-Income and expenditure Monitor Report

� HMSGOIRP- Minor Subsidiary Outstanding item report

� HMSOIRP-Minor Subsidiary transaction report

� HMSTRP-Minor subsidiary transaction report

71

� HIOGLT-Inquiry on GL transaction

� HACLINQ-Office Account Ledger Inquiry

� HACLPOA-Office A/c. Ledgers Print

� INTEREST INQUIRIES AND REPORTSINTEREST INQUIRIES AND REPORTSINTEREST INQUIRIES AND REPORTSINTEREST INQUIRIES AND REPORTS

� HAITINQ-Account Interest Inquiry

� HCUIR-Customer Interest Inquiry

� HAINTRPT-Account Interest report

� HINTTI-Interest Details Inquiry

� HLINTI-Inquiry on Interest

� HIARM-Interest Adjustment

� CHARGES INQUIRY AND REPORTSCHARGES INQUIRY AND REPORTSCHARGES INQUIRY AND REPORTSCHARGES INQUIRY AND REPORTS

� HCCI – Customer wise charges Inquiry

� HCHGIR –Charge Income Report

� IFD – Inquire Fee details

� CCCSA-Closed Charges For Silent Account

� HGCHRG – General Fees

� CLEARING INQUIRIES AND REPORTSCLEARING INQUIRIES AND REPORTSCLEARING INQUIRIES AND REPORTSCLEARING INQUIRIES AND REPORTS

� HPICSL-Print inward clearing statement

� HMICZ- Print inward clearing validation report

� HREJREP-Clearing rejection report

� HINWREMI- Inward Remittance Details Report

� HOUTREMI- Outward Remittance Details Report

� HOIQ- Outward Clearing Instrument Inquiry

� HTRFTOPC- Transfer File to PC

� LOAN ACCOUNTS INQUIRY AND REPORTSLOAN ACCOUNTS INQUIRY AND REPORTSLOAN ACCOUNTS INQUIRY AND REPORTSLOAN ACCOUNTS INQUIRY AND REPORTS

� HLAOPI-Loans overdue position Inquiry

� HCULA-Loan accounts of customer report

� HCOLINI-Collateral and Insurance details report

� HLARSH-Loans Repayment Schedule Report

� HLNGI-Loan General Details

� HLACLI- Ledger Inquiry

� CUSTOMER INQUIRIES AND REPORTSCUSTOMER INQUIRIES AND REPORTSCUSTOMER INQUIRIES AND REPORTSCUSTOMER INQUIRIES AND REPORTS

� HCUSEL-Customer Selection

72

� HACS- Account Selection

� HACSP-Account selection and Print

� HACCBAL-Components of account balance

� HACCBALI-Account balance inquiry

� HACLI- Account Ledger inquiry

� HABMR-Account below minimum balance report

� HACLPCA-Account ledger print

� HCUACC-Account of customer

� HCUSUM-Customer Summary

� HCUDET-Inquire on General Details of Customer

� HACI-

� VSPH-

Signature Verification

View Signature and Photograph List

� CHEQUE BOOKS AND REPORTSCHEQUE BOOKS AND REPORTSCHEQUE BOOKS AND REPORTSCHEQUE BOOKS AND REPORTS

� HCHBIR-Cheques book issue register

� HISAI-

� HIIA-

� HIMI-

� HISI-

Inventory Split and Inquiry

Inventory Inquiry All

Inquire on Inventory Movement

Inquiring on the inventory

� OTHER INQUIRY AND REPORTSOTHER INQUIRY AND REPORTSOTHER INQUIRY AND REPORTSOTHER INQUIRY AND REPORTS

� HBR-

� HQBR-

� HPR-

� HISTR-

� HISAR

Balancing report

Quick balancing report

Print report

Inter sol transaction report

Inter sol audit report

� HEXCPRPT- Exceptions Report

� HFINRPT-FINRPT Report Generation

� HGR1-

� HPDB-

General Report

Day Book printing

� HSPRG-Generate Stop Payment Register Report

� HSCWRPT-Shroff Cash Report

� CWDREP-Report of SB Withdrawals exceeding Rs.5000

� CATREP-Accounts Transfer Report

73

� HMR-Monthly/Yearly Statistical report

� CSCB- Scheme Balances

� CNSR- HNSR (Monthly/Yearly Nomination Statistical Reports)

� HMEMOPAD- Memo pad Maintenance

Important Scheme CodesImportant Scheme CodesImportant Scheme CodesImportant Scheme Codes

ProductProductProductProduct Scheme CodeScheme CodeScheme CodeScheme Code ParticularsParticularsParticularsParticulars

SB A/c SBBAS Basic Savings A/c

SBCHQ General – With Cheque Book

SBGEN General – Without Cheque Book

SBPEN Pensioner – With Cheque Book

SBPWC Pensioner – Without Cheque Book

MIS A/c MISN1 Monthly Income Scheme – Normal NSC NSC16 NSC

KVP KVP16 KVP

RD A/c RDIPN Recurring Deposit - Normal SCSSS A/c SCSCM Senior Citizens Savings Scheme

SCDEF SCSS – Retired from Defence

SCVRS SCSS – Voluntary Retirement TD A/c TDIP1 Term Deposit for 1 Year

TDIP2 Term Deposit for 2 Years



RD Loan LARD Recurring Deposit

74

PREVENTION OF FRAUDS IN CBS OFFICES

(SB Order: 5 / 2016 dated 21.06.2016 and Addendum dated 04.08.2016)(SB Order: 5 / 2016 dated 21.06.2016 and Addendum dated 04.08.2016)(SB Order: 5 / 2016 dated 21.06.2016 and Addendum dated 04.08.2016)(SB Order: 5 / 2016 dated 21.06.2016 and Addendum dated 04.08.2016)

1. Staff working on CBS should not share password with any other official of

his own office or CPC officials or CEPT Team members or any other

person. Administrative Officers should take stringent disciplinary action

against staff who have been found sharing password.

2. It will be duty of Postmaster/SPM/APM/ to get user IDs of those officials

who proceed on leave/deputation etc. disabled.

3. It will be the responsibility of the concerned Division to get user IDs of

officials deleted who have been suspended, dismissed, retired or

transferred to non CBS offices by referring it to CEPT Team through

Circle CPC.

4. SBCO should generate Consolidation of each scheme from the Finacle

(which is available in production for any date) when vouchers are received

from SOs/HO and compare the consolidation print out sent by SOs/HO

Counter with the consolidation shown by the system. In case of

discrepancy, SBCO Incharge should immediately raise the issue and

report to Divisional Head as well as Vigilance branch of Region/Circle. It

is mandatory that consolidation report should be generated from the

Finacle production system for reconciliation.

5. SBCO should tally vouchers with the LOT generated through MIS server

only. Whenever MIS server access is available, SBCO should first tally

vouchers of old/pending dates. Efforts are being made to make MIS server

access available all the time. SBCO should immediately raise ticket

through CPC concerned as and when MIS server is unable to generate

reports.

6. Each and every Counter PA should make all the cash received from

Treasurer and cash returned to Treasurer entries in Finacle between

VAULT and His/ Her Teller Cash Account. Supervisor should ensure that

all such entries are tallied with Vault / Teller Cash Account and entries

shown in SB Cash. In addition to this each and every counter PA should

make its Teller Cash Account ZERO before start of End of Day. If above

functions are not done, suitable disciplinary action should be taken

against the official concerned.

75

7. All CBS Post offices should follow the cheque clearing process

scrupulously and no transfer entry should be made in any clearing office

account from any other office account. Any unauthorized entry into any

office account shall be treated as violation of rules and official will be

liable for disciplinary action.

8. Salary or Pension credit to savings account of employee or pensioner

should be done only at Head Post Office. Postmaster/APM shall be

responsible for correct upload of amount of salary/Pension into

employee/pensioner savings account. Similarly any credit of benefits like

MGNREGS or Old Age Pension should also be done at HO only. Use of

HTTUM menu by any other office shall be treated as violation of rules and

shall be liable for disciplinary action.

9. Freezing and unfreezing of any account/certificate should be done in the

Post Offices where there are two Supervisors in Finacle. In case of post

offices with only one Supervisor, request with prescribed documents

should be sent to HPO.

10. Transfer of account/certificate from one CBS office to another or from post

office to bank should also be done at HO level only. SO has to enter

transfer application detail in a register and send transfer application with

prescribed documents to HPO duly recommended on the day of receipt.

HO shall transfer the account after due verification of signatures/KYC

documents and balance in the system on the day of receipt and return the

application and documents to SO duly signed and mentioning the date of

transfer. SO shall maintain a separate guard file to keep such applications

which will be checked by visiting/inspecting authorities.

11. Transfer of account / certificate from one person to another should be

initiated at SO Level by using the menu HCCA. SO should maintain

separate register and guard file for entering such request and keeping the

documents. After initiating the process such requests should be sent to HO

along with documents and date of sending to HO and Transaction ID

should be entered in the register as well as on the application for transfer.

When such request along with documents is received at HO, all such

requests should be verified by postmaster of HPO (after confirming that

all the documents are complete as per prescribed rules) by using HCCS

and HCCA menus on the day of receipt and return the Application and

documents to SO duly signed and approved. HO shall also maintain

separate register and guard file for the requests presented directly at HO.

For requests received from SOs, a separate register should be maintained

76

to enter such requests with date of receipts, date of return and

Transaction ID of the each request. Transfer of account/certificate from

one scheme to another and transfer of certificates from one person to

another should be done at HO only. Any such request if received at any

SO, should be entered in a register and sent to HO alongwith documents

and recommendations on the day of its receipt. On receipt at HO, all such

requests should be executed on the day of receipt and retuned to SO duly

signed. SO should maintain separate guard file for keeping such requests.

This should also be checked and verified by Inspecting/Visiting Officers.

HO shall maintain register and guard file for the requests presented

directly at HO.

[ Transfer of Savings Account from SBGEN to SBCHQ can be done at SO Level. Every SO should maintain a register to enter all such requests and file request applications in separate Guard File]

12. Revival of silent account shall be done Post offices having Two Supervisors

in Finacle for which a register in manuscript shall be maintained at each

office. Application for revival, KYC documents and KYC Form shall be

filed in a separate Guard File at each Office. For Post Offices with single

Supervisor, this should be done by HO. SOs with single Supervisor have to

enter application for revival in the register to be maintained an send

application for revival duly recommended with prescribed KYC form (in

duplicate) with KYC documents to HO on the day of receipt. HO will verify

the signatures with the system and ensure proper KYC documents have

been taken. HO will first unfreeze the account and then modify the status

from Dormant to Active. Ho will return the application to SO alongwith

one KYC Form and KYC documents duly signed mentioning date of

revival and one copy of KYC Form will be sent to CPC. SO shall maintain

a separate guard file to keep these application and KYC documents as well

as KYC Form which will be checked by visiting / inspecting authorities.

13. All SBCO staff should be given training at WCTCs by User Champions for

End User/Supervisor Module and Auditor training by Infosys or User

Champion. Circles should ensure that all SBCO staff has been trained by

User Champions or Infosys and a certificate of completion of training

should be obtained from all SBCO staff and kept in their service book. All

IP/ASP who have not yet taken training of EAP should also be given EAP

training through User Champions.

14. Divisional Heads should ensure that SBCO staff is comparing LOT

generated through MIS server with the vouchers received from SO/HO.

Wherever, there is shortage of staff in SBCO, necessary help should be

77

provided from Post Office staff to SBCO (spared from SBSO branch) to

complete voucher checking. Voucher checking should not be in arrears for

more than 2-3 days. It will be responsibility of Divisional heads to ensure

that adequate staff are provided.

15. No user should normally use back value date while doing transaction.

Back value date should be used only in case of deposits through clearing.

If in case, back value date is to be used, user should write in error book,

take permission from next higher authority and attach copy of error book

with the voucher.

16. SBCO staff should sign on each and every voucher after tallying with LOT

generated through the system in token of having checked TRAN ID,

Account Number and Amount in addition to general check of vouchers as

prescribed. [ SBCO staff should place full signature on the vouchers prescribed to be checked with system generated LOT in token of having checked TRAN ID, Account Number and Amount in addition to general check of vouchers as prescribed.

17. SBCO should also compare LOT Date shown at the top of LOT the value

date shown against each transaction. If difference in date in any of

transaction will be of more than 3 days (other than clearing), objection

should be raised, if error book entry or approval of competent authority is

not attached with the voucher.

18. No BPM should accept cash deposit transaction for more than Rs.25,000/-

in any account in a day. Instructions in this regard should issued by

Circles/Regions and Divisions.

19. Deleted

20. BO transactions should not be entered in Finacle if BO Bag is received

after 3:.30 PM. These transactions should entered on the next day.

21. All CBS Post Offices should complete their transactions maximum by 5

PM and no new transactions should be entered after 5 PM. All Supervisors

should verify transactions regularly without any delay. For any delayed

verification of more than 30 minutes, Supervisor will be held responsible

except in Single/Double handed offices where it will be 60 minutes.

78

22. All Supervisors should tally Teller Account with each counter PA with

Treasurer's Cash Book and ensure that teller account has become 0 (zero)

before start of EOD.

23. Teller Cash Account of each Single/Double Handed SO should be checked

at HO by a designated PA to ensure that balance has been made as 0

(Zero).

24. SOs should not lodge cheques in Finacle. Cheques received for New

Investment and subsequent deposit should be sent to HO by preparing

manual list. For this purpose, SO should maintain a register for entering

all the Cheques sent to HO. HO should lodge cheques presented at SOs for

new Investment and RD subsequent deposit cheques against Clearing

Office Account of SO and for subsequent deposits in other schemes in its

own Clearing Account. SOs should check their clearing office Account on

daily basis to see clearance received at HO and open accounts with value

date as clearing date and fund the account. Amount of clearance of

cheques lodged against SO Clearing accounts should be shown as

remittance received from SO in advance and SO after funding the account

shall account for as Deposit and remittance (in advance) to HO.

25. Every office should generate Post Office Clearing Report from HFINRPT

and tally the inward and outward clearing amount with Treasury figures.

26. All POSB cheques should be given clearance by the CBS Post Office

dealing with clearance and should not be sent to other HOs or SOs for

giving clearing as data relating to all accounts is available in every CBS

post office.

27. All POSB Cheques issued by any CBS Post Office if presented at any CBS

Post Office should be treated as AT PAR cheques and should not be sent

for clearing. No POSB Cheque for more than Rs.25000/- should be

accepted at other SOLs in a day.

[ POSB Cheques of other offices can be accepted for opening of new accounts irrespective of any amount]

28. Activities of security pledge or release in case of TD or NSC or KVP should

also be carried out at offices where there are two Supervisors. For those

offices, where there is only one Supervisor, this activity will be done at HO

only. at HOs only. In case such request is submitted at SO, SO can verify

the facts and recommend security pledge or Release on the application and

send to HO. At HO, a designated Supervisor will use HAFSM menu and

79

execute the request. Another Supervisor or Postmaster has to verify the

same. Application should be returned to SO which will do necessary

entries on the original certificates and keep requests in a separate guard

file. No other office should use HAFSM menu even having two

Supervisors.

29. Closing of any discontinued scheme account/ certificate including NSS-87

or NSS-92 should be done at HO only and closure amount should be paid

only by credit into Saving Account or by Cheque. No cash payment should

be made in such cases. Any depositor if approaches for closure of such

account / certificates at any SO, SPM should verify the balance and

signature on the Account Closure Form and then depositor should be

asked to approach HPO

30. For closure of any account / certificate at the office other than the office of

account opening or issue of certificate, first account / certificate has to be

transferred in the office by following the procedure of transfer of account /

certificate mentioned in Point NO. 10

31. Issue of Duplicate Passbook should also be done at HPO only. Oif any

application is received at any SO, it should be sent to HO duly

recommended after entering into a register. Ho on receipt of application

should issue Duplicate Passbook adn send back the Passbook to SO duly

entered in SO Slip. SO will enter date of receipt in register and deliver

Passbook to customer under receipt in the register. Application for issue of

Duplicate Passbook should not be routed through SBCO for balance

verification as prescribed earlier.

32. No CBS Post Office will now collect closed Passbook of any scheme from

the customer an no closed passbook should be sent to SBCO for checking.

33. All circles should start a drive for collection of Mobile and AAdhaar

numbers from the customers and enter into CIF and this modification

should be verified by Supervisor. In addition to this, drive should be

started to pursue depositors to open Savings Account at the time of new

investment and also for credit of maturity value at the time of closure.

[Aadhaar number should be entered in the field ―Unique IDǁ available in the option Document Details in CIF modification menu]

Important Instruction:Important Instruction:Important Instruction:Important Instruction: It has been observed that CBS Post Offices are still insisting of presentation of Passbook at the time of Deposit/Withdrawal. It is clarified that customers should not be forced (Except Accounts opened in

80

BOs) to present passbook while deposit or withdrawal in CBS Post Offices. Presentation of Passbook by customer and updation of Passbook instantly shall be mandatory if account stands in any BO....

PMSBY & PMJJBY

FEATURESFEATURESFEATURESFEATURES PRADHAN MANTRIPRADHAN MANTRIPRADHAN MANTRIPRADHAN MANTRI PRADHAN MANTRIPRADHAN MANTRIPRADHAN MANTRIPRADHAN MANTRI

SURAKSHA BIMASURAKSHA BIMASURAKSHA BIMASURAKSHA BIMA JEEVAN JYOTI BIMAJEEVAN JYOTI BIMAJEEVAN JYOTI BIMAJEEVAN JYOTI BIMA

YOJANA (PMSBY)YOJANA (PMSBY)YOJANA (PMSBY)YOJANA (PMSBY) YOJANA (PMJJBY)YOJANA (PMJJBY)YOJANA (PMJJBY)YOJANA (PMJJBY) Insurance cover offered Accidental Death due to any reason

for death/disability/accidental

injury

Annual Premium Rs. 12 Rs. 330

Sum Assured 1) Rs. 2,00,000 (for Rs. 2,00,000 for death due

accidental death) to any reason

2) Rs. 2,00,000 (for (natural/accidental) permanent

disability)

2) Rs. 1,00,000 (for partial

disability)

Insurance coverage One Year One Year

period 01st June - 31st May 01st June - 31st May

To be renewed Every year To be renewed Every year

Can one person opt for No No

same policy more than

once in same/different

banks?

Eligibility - Age limit 18-70 Years 18-50 Years

Till what age premium 70 years 55 years

has to be paid

81

Payment Mode Only Auto debit from the Only Auto debit from the

Savings Bank account Savings Bank account From where to buy the CBS Post Offices, Public CBS Post Offices, Public

insurance? and private banks and private banks

wherever customer holds wherever customer holds

savings bank account savings bank account Documents required Any KYC document Same as for PMSBY

showing Date of Birth,

(Aadhaar Card, a

certificate of birth issued

by Headmaster of the

School or Sarpanch of

Gram Panchyat or selfselfselfself

declaration declaration declaration declaration etc)

Can anyone buy this Yes. Anyone irrespective Yes. Anyone irrespective

policy? of the income of the income

Is money refunded if No No

claim is not made?

Is the premium paid tax Yes Yes

free?

Who will receive the Nominee Nominee

money in case of policy

holder's death?

Can the customer rejoin Yes Yes

the scheme if he leaves

the scheme?

• In India, above 70% people do not have any insurance policy. Considering the situation, these two schemes were launched. With an annual premium of Rs.12/-and Rs.330/-, insurance coverage for Rs.2 Lakhs is given. This insurance coverageThis insurance coverageThis insurance coverageThis insurance coverage will be in addition will be in addition will be in addition will be in addition to any other insurance scheme the subscriber may be covered to any other insurance scheme the subscriber may be covered to any other insurance scheme the subscriber may be covered to any other insurance scheme the subscriber may be covered under.under.under.under.

How would the premium be appropriated?How would the premium be appropriated?How would the premium be appropriated?How would the premium be appropriated?

Appropriation towardsAppropriation towardsAppropriation towardsAppropriation towards PMSBYPMSBYPMSBYPMSBY PMJJBYPMJJBYPMJJBYPMJJBY

per annumper annumper annumper annum per annumper annumper annumper annum

a. Insurance Premium to LIC /other insurance Rs.10/- Rs.289/- company

b. Reimbursement of Expenses to Re.1/- Rs.30/- BC/Micro/Corporate/Agent

c. Reimbursement of Administrative expenses Re.1/- Rs.11/- to participating Bank

Incentive to StaffIncentive to StaffIncentive to StaffIncentive to Staff

82

StaffStaffStaffStaff PMSBYPMSBYPMSBYPMSBY PMJJBYPMJJBYPMJJBYPMJJBY

IncentiveIncentiveIncentiveIncentive IncentiveIncentiveIncentiveIncentive

( paisa)( paisa)( paisa)( paisa) (paisa)(paisa)(paisa)(paisa) GDS/Postman/Counter PA 0.50 Rs.18.00

GDS BPM(additional work as BPM) 0.10 Rs. 1.00

Counter PA (Additional work in Finacle) 0.10 Rs. 3.00

Counter Supervisor/SPM (For verification) 0.05 Rs. 1.50

HO Special Monitoring Cell Officials 0.10 Rs. 1.50

Accounts branch of HO 0.05 Rs. 0.75

Divisional Office Monitoring Cell 0.04 Rs. 0.75

RO/CO Monitoring Cell 0.02 Rs. 0.50

Directorate Monitoring Cell 0.02 Rs. 0.50

DAP Monitoring Cell 0.01 Rs. 0.25

Directorate Monitoring Cell (PAF) 0.01 Rs. 0.25

Sansad Marg HO (Nodal Office) Rs. 2.00

ATAL PENSION YOJANA

The Govt. Of India has announced a new scheme called Atal Pension Yojana

(APY)1 in 2015-16 budget and is focussed on all citizens in the unorganized

sector.

The scheme is administered by the Pension Fund Regulatory and

Development Authority (PFRDA) through NPS architecture.

HighlightsHighlightsHighlightsHighlights

• Guaranteed minimum monthly pension (by GoI) for the subscribers ranging between Rs. 1000 and Rs. 5000 per month.

• GoI will also co-contribute 50% of the subscriber‘s contribution or Rs. 1000 per annum, whichever is lower. Government co-contribution is available for those who are not covered by any Statutory Social Security Schemes and is not income tax payer.

• GoI will co-contribute to each eligible subscriber, for a period of 5 years who joins the scheme between the period 1st June, 2015 to 31st December, 2015. The benefit of five years of government Co-contribution under APY would not exceed 5 years for all subscribers including migrated Swavalamban beneficiaries.

• All bank account holders may join APY.

EligibilityEligibilityEligibilityEligibility

83

• APY is applicable to all citizen of India aged between 18-40 years.

• Aadhaar will be the primary KYC. Aadhar and mobile number are recommended to be obtained from subscribers for the ease of operation of the scheme. If not available at the time of registration, Aadhar details may also be submitted later stage.

Indicative Monthly Contribution ChartIndicative Monthly Contribution ChartIndicative Monthly Contribution ChartIndicative Monthly Contribution Chart

Age of

Monthly Monthly Monthly Monthly Monthly

pension of pension of pension of pension of pension of

Entry

Rs. 1000 Rs. 2000 Rs. 3000 Rs. 4000 Rs. 5000

18 42 84 126 168 210

20 50 100 150 198 248

25 76 151 226 301 376

30 116 231 347 462 577

35 181 362 543 722 902

Charges for defaultCharges for defaultCharges for defaultCharges for default

Banks are required to collect additional amount for delayed payments, such

amount will vary from minimum Re 1 per month to Rs 10/- per month as shown

below:

Charges for Charges for Charges for Charges for

contribution contribution between contribution between contribution

up to Rs. 100/- Rs. 101/- & Rs. 500/- Rs. 501/- & Rs. 1000/- above Rs. per month per month per month 1000/- per

month

Rs. 1/- Rs. 2/- Rs. 5/- Rs. 10/-

The fixed amount of interest/penalty will remain as part of the pension corpus

of the subscriber.

Important information for subscriber:Important information for subscriber:Important information for subscriber:Important information for subscriber:

Discontinuation of payments of contribution amount shall lead to following:

• After 6 months account will be frozen.

• After 12 months account will be deactivated.

• After 24 months account will be closed.

Subscriber should ensure that the Bank account to be funded enough for auto

debit of contribution amount.

84

Exit from APYExit from APYExit from APYExit from APY::::

On attaining the age of 60 years:On attaining the age of 60 years:On attaining the age of 60 years:On attaining the age of 60 years:

The exit from APY is permitted at the age with 100% annuitisation of

pension wealth. On exit, pension would be available to the subscriber.

In case of death of subscriber pension would be available to the

spouse and on the death of both of them (subscriber and spouse), the pension

corpus would be returned to his nominee.

Exit Before the age of 60 Years:Exit Before the age of 60 Years:Exit Before the age of 60 Years:Exit Before the age of 60 Years:

Exit before 60 years of age is not permitted however it is permitted only in

exceptional circumstances, i.e., in the event of the death of beneficiary or

terminal disease.

CCS (CONDUCT) RULES (1964)

Objectives of Conduct RulesObjectives of Conduct RulesObjectives of Conduct RulesObjectives of Conduct Rules

• To regulate general behavior of Govt Servants

• To secure full commitment of Govt servants in implementing Govt‘s policies

• To set certain moral standards

• To eliminate all forms of immoral and immoderate behavior which are likely to impact on Govt servant‘s capabilities to discharge his duties

• To make Govt servant to learn to live within his means since he belongs to fixed income group

• To prevent Govt servant from aligning against Govt or exercising undue influence or duress

Rule 3Rule 3Rule 3Rule 3

Rule 3 (1)Rule 3 (1)Rule 3 (1)Rule 3 (1)

Every Govt. Servant shall at all times

(i) Maintain absolute integrity (ii) Maintain devotion to duty

(iii) Do nothing, which is unbecoming of a Govt. servant

(iv) Commit himself to and uphold the supremacy of the Constitution and democratic values;

85

(v) Defend and uphold the sovereignty and integrity of India, the security of the State, public order, decency and morality;

(vi) Maintain high ethical standards and honesty; (vii) Maintain political neutrality;

(vii) Promote the principles of merit, fairness and impartiality in the discharge of duties;

(ix) Maintain accountability and transparency; (x) Maintain responsiveness to the public, particularly to the weaker section; (xi) Maintain courtesy and good behaviour with the public; (xii) Take decisions solely in public interest and use or cause to use

public resources efficiently, effectively and economically; (xiii) Declare any private interests relating to his public duties and take steps

to resolve any conflicts in a way that protects the public interest; (xiv) Not place himself under any financial or other obligations to any

individual or organisation which may influence him in the performance of his official duties;

(xv) Not misuse his position as civil servant and not take decisions in order to

derive financial or material benefits for himself, his family or his friends; (xvi) Make choices, take decisions and make recommendations on merit alone; (xvii) Act with fairness and impartiality and not discriminate against anyone,

particularly the poor and the under-privileged sections of society; (xviii) Refrain from doing anything which is or may be contrary to any law, rules,

regulations and established practices; (xix) Maintain discipline in the discharge of his duties and be liable to

implement the lawful orders duly communicated to him; (xx) Maintain confidentiality in the performance of his official duties as

required by any laws for the time being in force, particularly with regard to information, disclosure of which may prejudicially affect the sovereignty and integrity of India, the security of the State, strategic, scientific or economic interests of the State, friendly relation with foreign countries or lead to incitement of an offence or illegal or unlawful gain to any person;

(xxi) Perform and discharge his duties with the highest degree of

professionalism and dedication to the best of his abilities.".

Rule 3 (2)Rule 3 (2)Rule 3 (2)Rule 3 (2)

(i) Supervisors shall ensure the integrity, devotion to duty of GS under his

control. (ii) Act in his best judgement, except when he is acting under the direction of

his official superior

86

(iii) Oral directions shall be avoided. If unavoidable, the issuing officer shall

confirm (iv) GS, who has received oral directions, shall seek confirmation of the same.

Other Other Other Other DOsDOsDOsDOs

� Maintain impartiality (GID under rule 3) � Maintain proper decorum during working hours, lunch hours.

(GID under rule 3)

� Maintain standard conduct in private life

(GID under rule 3)

� Maintain prompt and courteous service

(Rule-3-A)

� Report to superiors the fact of arrest or conviction

(GID(I) Rule 3 (c))

� Keep away from demonstrations & strike

(Rule 5)

� Avoid any habitual indebtedness or insolvency

(Rule- 17)

� Act with Govt. policies

(Rule- 3 (b)-i)

� Observe courtesy to MP/MLA

(GID 17.(A) Rule 3. A)

DON‘TsDON‘TsDON‘TsDON‘Ts

Not to be a member of any political party

(Rule – 5)

Govt servant should not lease or otherwise allow occupation by any other person of Govt accommodation which has been allotted to him. (Rule- 15 A)

Not to make joint representations in matters of common interest. (GID 21 Rule 3.C)

Govt. servant shall not be under the influence of any intoxicating drink or drug during the course of his duty and in public places also

(Rule- 22)

Bigamous marriage.

(Rule- 21)

Dowry - Neither give ; Nor take

(Rule 13-A)

• A govt. servant shall not give or take Dowry. • A govt. servant shall not demand any dowry directly or indirectly from the

parent/guardian of a bride/bridegroom. • Dowry means any property/valuable security given or agreed to be given.

Do not join or support any illegal strike

(Rule- 7)

Do not speculate in stock, share or other instrument

(Rule- 16)

Do not undertake private consultancy work

(GID.8 / Rule 15)

Do not lend or borrow money from the person or firm having official dealings (Rule – 16)

87

Do not bring any political influence in matters pertaining to his /her own

service (Rule – 20)

Do not adopt dilatory tactics in the dealings with the public (GID / Rule- 3)

Do not approach his/her subordinates for standing surety for loans taken

(GID / Rule-16)

ACTIVITIES REQUIRING PERMISSION OR SANCTIONACTIVITIES REQUIRING PERMISSION OR SANCTIONACTIVITIES REQUIRING PERMISSION OR SANCTIONACTIVITIES REQUIRING PERMISSION OR SANCTION

� To join educational institution (GID / Rule 15)

� To join Civil Defence Service / Home guards (GID / Rule 3)

� To join foreign language class (GID / Rule 5)

� To own wholly or part or participate in the editing or management of newspaper or electronic media

(Rule 8)

� To give evidence in any enquiry except enquiry by

� Court � Authority appointed by Govt, Parliament, Stale legislature. � Dept. Enquiry (Rule 10)

� To ask for or accept contributions (Rule 12)

� To engage in any trade or business (Rule 15)

� To accept fee for work done for any private or public body or person (Rule 15 (4))

� To hold an elective office in Co-operative Societies and other bodies (Rule 15)

� To accept gifts when value exceeds limits (Rule 13)

� Gift may be accepted in rare occasion such as wedding, religious functions etc

� Only from near relatives / personal friends

(Includes, Free transport, boarding & lodging or any other pecuniary advantage)

Gift Limit

CategoryCategoryCategoryCategory

ReligiousReligiousReligiousReligious &&&& Other OccasionsOther OccasionsOther OccasionsOther Occasions

Customary FunctionsCustomary FunctionsCustomary FunctionsCustomary Functions

Category Category Category Category –––– I (in Rs.)I (in Rs.)I (in Rs.)I (in Rs.) CategoryCategoryCategoryCategory----II (in Rs.)II (in Rs.)II (in Rs.)II (in Rs.)

GROUP -A 25,000 1,500

GROUP –B 15,000 1,500

GROUP –C 7,500 500

GROUP –C–MTS 7,500 500

Category – I: To be reported Category – II: Prior sanction is required

Immovable & Movable Property (Rule 18)Immovable & Movable Property (Rule 18)Immovable & Movable Property (Rule 18)Immovable & Movable Property (Rule 18)

TransactionwithTransactionwithTransactionwithTransactionwith personpersonpersonperson Transaction with othersTransaction with othersTransaction with othersTransaction with others

88

having official dealinghaving official dealinghaving official dealinghaving official dealing withwithwithwith

Govt. ServantGovt. ServantGovt. ServantGovt. Servant

Immovable Prior sanction to be obtained Prior Intimation to be given

Movable Prior sanction to be obtained • If within the limit* – No

need to report

• If beyond the limit* – to be

reported within 1 month

(* Movable Property Limit – 2 months Basic Pay)

Movable property includes, Jewels, Insurance policies, the annual premia of

which exceeds 2-month‘s basic pay of the official, Shares, securities &

debentures, Loans taken by an employee, Motor cars, motor cycle, horses &

other means of conveyance, Radio, TV, Refrigerators, etc.

Declarations to be submittedDeclarations to be submittedDeclarations to be submittedDeclarations to be submitted

• Every Govt. Servant is required to Every Govt. Servant is required to Every Govt. Servant is required to Every Govt. Servant is required to furnish a declaration regarding his furnish a declaration regarding his furnish a declaration regarding his furnish a declaration regarding his assets and liabilities assets and liabilities assets and liabilities assets and liabilities ---- At the time of Joining & As on 31At the time of Joining & As on 31At the time of Joining & As on 31At the time of Joining & As on 31stststst March of Every March of Every March of Every March of Every year by 31year by 31year by 31year by 31stststst JulyJulyJulyJuly

• Every Govt. Servant is required to submit a declaration of immovableEvery Govt. Servant is required to submit a declaration of immovableEvery Govt. Servant is required to submit a declaration of immovableEvery Govt. Servant is required to submit a declaration of immovable

property return property return property return property return ---- AAAAt the time of Joining & As on 31st December of Every year

Government Servants & PoliticsGovernment Servants & PoliticsGovernment Servants & PoliticsGovernment Servants & Politics

A Govt. Servant should not be

� A member of any political party/organization. � A member or otherwise associated with any banned organizations.

� Acting as an election agent, polling agent or counting agent of a candidate at an election.

� Displaying on his person, vehicle or residence of any electoral symbol in connection with an election.

Unauthorized AbsenceUnauthorized AbsenceUnauthorized AbsenceUnauthorized Absence

Wilful absence from duty not covered by grant of leave will be treated as ―DiesDiesDiesDies

NonNonNonNonǁ for all purposes, viz., increment, leave & pension.

A government servant is also liable for disciplinary action for such an act of

misconduct.

Sexual Harassment of working womenSexual Harassment of working womenSexual Harassment of working womenSexual Harassment of working women

It includes:

• Physical contact & advances, Demand or request for sexual favours

• Passing sexually coloured remarks, Showing pornography,

• Any other physical, verbal or non-verbal conduct of sexual nature

89

Any act of sexual harassment of woman employees attracts acts related to Any act of sexual harassment of woman employees attracts acts related to Any act of sexual harassment of woman employees attracts acts related to Any act of sexual harassment of woman employees attracts acts related to unbecoming of a Govt. servant andunbecoming of a Govt. servant andunbecoming of a Govt. servant andunbecoming of a Govt. servant and amounts to misconduct.amounts to misconduct.amounts to misconduct.amounts to misconduct.

Internal Complaints Committee is set up in each Circle for redressing of such Internal Complaints Committee is set up in each Circle for redressing of such Internal Complaints Committee is set up in each Circle for redressing of such Internal Complaints Committee is set up in each Circle for redressing of such complaints.complaints.complaints.complaints.

Marriage RestrictionsMarriage RestrictionsMarriage RestrictionsMarriage Restrictions

Bigamous marriageBigamous marriageBigamous marriageBigamous marriage (Rule 21 (2))

Following persons are ineligible for appointment under Govt:

(a) Who has entered into or contracted a marriage with a person having a

spouse living (b) Who, having a spouse living, has entered into or contracted a marriage with

any person.

Note:- Similar restrictions continue even after appointment

� Marries a foreign national it should be intimated (Rule 21 (3))

90

RIGHT TO INFORMATION ACT 2005

Why RTI?

• To promote transparency & accountability in the working of every public authority

What is the date of enactment?

• 15.06.2005

When the act came into force?

• On 120th day of its enactment i.e. 12.10.2005

Why RTI act came into force after a long period?

• Since every public authority has to create an official website and publish the particulars about its organisation, functions, duties.

• Further names of the PIO, Appellate Authorities etc should be published

Who is eligible to get an information?

• Any Indian citizen can get information

How to make request for obtaining information?

• Orally (assistance to be given to reduce in writing,

• Writing

• Electronical form (Online)

In which language applicant can seek information?

• English, Hindi (or) Official Language of the area

Is there any prescribed format for seeking information?

• No

• But every public authority has to publish a proforma of application in their website for the convenience of applicants

Should reasons for seeking information be furnished?

• It is not required to furnish reason for seeking any information under RTI act

Information meansInformation meansInformation meansInformation means

• Records

• Documents

• Memos

• E-mails

• Opinions

• Advices

91

• Press releases

• Circulars

• Orders

• Data material in any electronic form

• Any Information relating to any private body which can be accessed by a public authority

RecordRecordRecordRecord

• Documents, files, manuscript,

• Microfilm, fax,

• Reproduction of film or images embodied in such film,

• Any other material produced by a computer or an electronic device.

Right to informationRight to informationRight to informationRight to information

• Inspection of works, documents & records,

• take notes, extracts, certified copy of documents & records,

• Take certified samples of materials,

• Obtaining information in the form of diskettes, floppies, tapes, video cassettes or in any other electronic mode or through printouts where such information is stored in a computer or in any other device;

Various FeesVarious FeesVarious FeesVarious Fees

Fee for seeking information Rs 10/- per application

Fee for copy of records per page Rs 2/- for A4 / A3 size paper, if it is larger than

A3, actual cost Fee for Samples / Models Actual cost In electronic form Rs. 50/- per Diskettes / Floppy

Inspection of records Free for first one hour & Rs. 5/- per hour or

part thereof for each subsequent hours

Modes of payment Cash against a proper receipt DD / Cheque / IPO / Electronic means

The above fees are exempted for Citizens Below Poverty Line

(Supporting documents should be furnished)

Time limit for furnishing Information:Time limit for furnishing Information:Time limit for furnishing Information:Time limit for furnishing Information:

� 30 days from the date of receipt of application. � 48 hours if involves the life or liberty of a person. � 40 days if involves the interests of a third party.

� If no response is given by the public authority on RTI application within the time limit, the same treated as deemed refusal

Obligation & time limit for CAPIO / other officesObligation & time limit for CAPIO / other officesObligation & time limit for CAPIO / other officesObligation & time limit for CAPIO / other offices

Forward the application to concerned PIO within 5 days with intimation to the

applicant

92

Proactive disclosures under RTI ActProactive disclosures under RTI ActProactive disclosures under RTI ActProactive disclosures under RTI Act

� Every Public Authority must proactively disclose the following:

• Particulars of the organization, its functions and duties; • Procedure followed in its decision making process • Norms set out for the discharge of its functions; • Rules, regulations, instructions, manuals and records used by its

employees for the discharge of its functions, • Arrangement for consultation with or representation by the public,

in policy formulation/implementation; • Designate Public Information Officer to provide information to

applicants

• Also to designate APIOs at sub-divisional/district level • No bar on the number of such PIOs/APIOs • Designate appellate authority for the first appeal within the public

authority

Exemption from disclosures Exemption from disclosures Exemption from disclosures Exemption from disclosures –––– Section 8(1)Section 8(1)Section 8(1)Section 8(1)

a) Information which would prejudicially affect the sovereignty and integrity of India

b) Information which has been expressly forbidden by any court c) Information which would cause a breach of privilege of parliament/state

legislature d) Information relating to commercial confidence, trade secrets, the disclosure

which would harm the competitive position of a third party e) Information available to a person in his fiduciary relationship. f) Information received in confidence from foreign govt. g) Information, the disclosure of which would endanger the life or physical

safety of any person h) Information which would impede the process of investigation or apprehension

or prosecution of offenders; i) Cabinet papers including records of deliberations of the council of ministers,

secretaries and other officers. j) Information which relates to personal information, the disclosure of which

has no relationship to any public activity or interest, or which would cause unwarranted invasion of the privacy of the individual

Exemption from disclosures Exemption from disclosures Exemption from disclosures Exemption from disclosures –

Section 8(2)

� Information comes under official secrets act, 1923 Section 9

� Information which would infringe the copyright subsisting in a person Section 10 (Severability)

� Where a request for information is rejected vide sections 8/9 above, access may be provided to that part of the record which does not contain any information which is exempted from disclosure (provided that part can be

93

severed without causing any damage to any part that contains exempt information)

Section-11 (Third Party Information)

� CPIO intends to disclose, shall give a written notice to third party within 5 days

� Third party to make representation within 10 days.

� CPIO shall make a decision keeping in view of the submission of third party

� However the information may be disclosed if the public interest outweighs the harm or injury to be caused to the third party.

� If he prefer appeal, CPIO has to finalize based on the decision of the First Appellate Authority

AppealsAppealsAppealsAppeals

If the applicant is not satisfied with the information received or if no information is provided by the PA within the prescribed time limit, he can prefer appeals in following two stages.

Stage of To whom Time limit within Time limit for

appeal (Appellate Authority) (AA) which appeal should disposal of by

be preferred by the Appellate

applicant Authority

First Designated Departmental 30 days from the date 30 to 45 days

(Internal) Appellate Authority of decision of PIO

Second Central / State 90 days from the date No limit (External) Information Commission of decision of First AA

(CIC/SIC)

PenalitiesPenalitiesPenalitiesPenalities

Public Authority is liable to a fine of Rs 250/- per day, subject to a maximum

of Rs. 25,000/- for

� Not accepting an application;

� Delaying information release without reasonable cause;

� Malafidely denying information;

� Knowingly giving incomplete, incorrect or misleading information;

� Destroying information that has been requested; and

� Obstructing furnishing of information in any manner.

SIC/CIC has the power to impose penalty & recommend for disciplinary actionSIC/CIC has the power to impose penalty & recommend for disciplinary actionSIC/CIC has the power to impose penalty & recommend for disciplinary actionSIC/CIC has the power to impose penalty & recommend for disciplinary action

RTI Online PortalRTI Online PortalRTI Online PortalRTI Online Portal ---- www.rtionline.gov.in

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WELFARE MEASURES

((((AAAA)))) AllowancesAllowancesAllowancesAllowances

((((1111)))) Dearness allowanceDearness allowanceDearness allowanceDearness allowance

Based on increaseof 6 monthly average in All India Consumer Price Index above 100 points (base year 2001) is determined twice in a year for the period from January to June and July to December

It is calculated on the Pay in the Pay Band + Grade Pay + NPA Neutralization will be 100% uniformly for all employees.

((((2222)))) Rent AllowanceRent AllowanceRent AllowanceRent Allowance

� Allowed with reference to Pay in the Pay Band + Grade Pay + NPA and place of duty at the following rates:

Classification ofClassification ofClassification ofClassification of Rates of House Rent AllowanceRates of House Rent AllowanceRates of House Rent AllowanceRates of House Rent Allowance

cities/townscities/townscities/townscities/towns

X 24% of Basic Pay

Y 16% of Basic Pay

Z 8% of Basic Pay

� During leave, HRA is admissible for the first 180 days only. Beyond this period allowances can be claimed by furnishing requisite medical certificate. � During Joining time from one station to another station on transfer, HRA is admissible at the rate of old station.

((((3333)))) Transportation allowanceTransportation allowanceTransportation allowanceTransportation allowance

• All employees are entitled to Transport Allowance at the rate as mentioned below:-

Sl Pay Level (Grade Pay) Transport Allowance

No

Higher TPTA Cities Other places (Rs)

(Rs)

1

Level 9 and Above (GP 5400 PB-2 and Above) 7200 + DA 3600 + DA

2

Level 3 to Level 8 (GP 2000 to GP 4800) 3600 + DA 1800 +DA

3 Level 1 and Level 2 1350 + DA 900 + DA

(GP 1800 and GP 1900)

• Transport Allowance is not eligible during absence from duty for a full calendar month due to leave/training/tour etc..,

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((((4444)))) Children‘s Education AllowanceChildren‘s Education AllowanceChildren‘s Education AllowanceChildren‘s Education Allowance

� This allowance can be availed by Government Servants for two eldest surviving children. � Reimbursement for the following items can be claimed under this scheme,

� Tuition Fee, Admission Fee, Laboratory Fee, Special

� Fee charged for agriculture, Electronics, music or any other subject,

� Fee charged for practical work under the programme of work experience,

� Fee paid for the use of any aid or appliance by the child, Library Fee,

� This also includes reimbursement for purchase of two sets of uniforms and

one set of school shoes which can be claimed for a child in a year.

� The annual ceiling fixed for reimbursement of Children

Education Allowance is Rs 27,000.

� In case both the spouses are Government Servants, only one of them

can avail reimbursement under Children Education Allowance.

� The reimbursement should be made on the submission of certificate from

the Headmaster of the school stating that the child has studied in that school in

the respective academic year

� Reimbursement can be claimed once in a year only.

� Hostel subsidy will be reimbursed up to the maximum limit of Rs.6250

per month per child for two eldest surviving children. However, both hostel

subsidy and CEA can be availed concurrently.

� The above limits would be automatically raised by 25% every time

the Dearness Allowance goes up by 50%.

� For children with disabilities, reimbursement will be at double the normal

rates and the annual ceiling will be Rs.54,000/-

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((((BBBB)))) LeaveLeaveLeaveLeave

Leave cannot be claimed as a matter of right of the Leave cannot be claimed as a matter of right of the Leave cannot be claimed as a matter of right of the Leave cannot be claimed as a matter of right of the employee.employee.employee.employee.

((((1111)))) Casual LeaveCasual LeaveCasual LeaveCasual Leave � Eligible for 8 days Casual Leave and two Restricted Holidays in a calendar year. � It can be combined with special CL only but not with any other kind of

leave.

� Sundays, Holidays, Restricted Holidays and Weekly off can be suffixed or prefixed to CL. � Sundays and Holidays falling during the period of Casual Leave will not

counted as part of Casual Leave. � Casual Leave can be taken for half a day also. � It is intended essentially for short periods and therefore will not normally be granted for more than 5 days at a time. � LTC can be availed during Casual Leave.

� CL can be availed while on tour.

((((2222)))) Earned LeaveEarned LeaveEarned LeaveEarned Leave

� Credit of Earned leave will be given in advance with 15 days each on 1 st of January and July every year.

� Un-availed Joining Time is also credited to EL account with certain restrictions.

� The credit for the half-year in which a Government Servant is appointed will be afforded at the rate of 2 ½ days for each completed calendar month of service.

((((3333)))) Half Pay LeaveHalf Pay LeaveHalf Pay LeaveHalf Pay Leave

o It is credited in advance at the rate of 10 days for each half year on 1st of January and July each year. oIt can be availed either with or without medical certificate.

o It can be availed converted into commuted leave on support of medical certificate

o Half-pay leave can also be converted into commuted leave without medical certificate in continuation of Maternity Leave (up to 120 days of HPL) or for approved course of study certified to be in public interest (up to 180 days of HPL during the entire service).

o The advance credit for the half-year in which a Government Servant is appointed will be at the rate of 5/3 days for each completed calendar month.

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((((4444)))) Commuted LeaveCommuted LeaveCommuted LeaveCommuted Leave � Period of commuted leave permissible is half of number of days of the half pay leave atcredit.

� Maximum commuted leave permissible without medical certificate is 90 days for approved course of study and 60 days in continuation of Maternity Leave. Otherwise, it is granted on medical certificate only. Twice the number of days of commuted leave availed is debited to HPL Account.

� Commuted leave may be granted at the request of the Government servant even when earned leave is available.

((((5555)))) Maternity LeaveMaternity LeaveMaternity LeaveMaternity Leave

� It is granted to both married and unmarried women for 180 days for pregnancy � Admissible to employees with less than 2 surviving children only

� For miscarriage/abortions/induced abortions supported by medical certificate 45 days of maternity leave is admissible in the entire service. � It is not debited to leave account � Full pay is paid for the period.

� This leave can be combined with any other leave without Medical Certificate up to two years

� This period will count for Increment and Pension as well.

((((6666)))) Paternity LeavePaternity LeavePaternity LeavePaternity Leave

� A male Govt. servant (including Apprentice) with less than two surviving children may be granted Paternity Leave for a period of 15 days during the confinement of his wife. i.e. up to 15 days before or up to 6 months from date of delivery of the child.

� Also eligible for 15 days from the date of valid adoption of a child

� During the period of such leave, he shall be paid leave salary equal to the pay drawn immediately before proceeding on leave. � This leave shall not be debited against the leave account and may be combined with any other kind of leave (as in the case of Maternity Leave).

((((7777)))) Child Care LeaveChild Care LeaveChild Care LeaveChild Care Leave

Women employees who are having minor children i.e below the age of 18 years may be granted Child Care Leave for a period of two years (730 days) during the entire service.

This leave eligible for taking care of minor children or to look after any of their needs during Examination, Sickness etc..,

This leave will not be granted in more than 3 spells in a Calendar Year

This can be combined with leave of kinds due and admissible.

CCL cannot be demanded as a matter of right.

Proper approval of leave sanctioning authority is required to avail the

leave.

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The leave is to be treated like the Earned Leave and sanctioned as such. Saturdays, Sundays, Gazetted holidays etc would also count for CCL, as in the case of Earned Leave.

CCL will not be granted during probation period LTC cannot be availed during CCL

((((CCCC)))) Advances Advances Advances Advances ––––

((((iiii)))) Interest free advances Interest free advances Interest free advances Interest free advances

1) 1) 1) 1) Advance of TA on TourAdvance of TA on TourAdvance of TA on TourAdvance of TA on Tour

� It is granted to all the Government servants who are required to proceed on tour. The amount of advance permissible is the expected travelling expenses (inclusive of daily allowance, road mileage, fares and Accommodation expenses - both ways) to cover the expenses for a month on tour.

� The advance is to be adjusted within 15 days of completion of tour otherwise penal interest is levied.

2222)))) Advance of T.A. on transferAdvance of T.A. on transferAdvance of T.A. on transferAdvance of T.A. on transfer

• It is granted to all Government servants on transfer. • The amount of advance permissible is the amount to cover traveling allowance for self and family (inclusive of composite transfer grant, fare for journey in eligible mode of transportation, cost of transportation of personal effect, etc). • The advance should be adjusted in the final TA claim to be preferred by the official immediately on completion of the journey.

3333)))) Advance of T.A. to the family of a deceased Government servantAdvance of T.A. to the family of a deceased Government servantAdvance of T.A. to the family of a deceased Government servantAdvance of T.A. to the family of a deceased Government servant

o Advance of T.A. can be granted to one family member of the deceased employee on behalf of all members. oThe amount of advance permissible is 75% of the admissible T.A.

o Surety by a permanent Government servant of higher status in prescribed form should be given.

4444)))) Advance for LTCAdvance for LTCAdvance for LTCAdvance for LTC

� Up to 90% of the fare can be taken as advance.

� Advance admissible for both onward and return journeys if the leave taken by the official does not exceed 90 days.

� Otherwise, advance may be drawn for the outward journey only.

� The official should furnish Railway ticket numbers, PNR No., etc., to the competent authority within ten days of drawal of the advance.

� When advance is taken, the claim should be submitted within one month from the date of return journey.

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5) Immediate financial relief in Immediate financial relief in Immediate financial relief in Immediate financial relief in case of deathcase of deathcase of deathcase of death

• When an employee (permanent or temporary) dies while in service, an amount of Rs 8,000 or three months' pay, whichever is less, is sanctioned immediately without formal application on receipt of intimation of death.

• It is adjusted from the arrears of pay and allowances, leave salary, death gratuity, GPF balance or any other dues payable. The adjustment should be made as soon as possible and in any case within six months from the date of sanction.

((((iiiiiiii)))) Interest bearing advancesInterest bearing advancesInterest bearing advancesInterest bearing advances

� Personal Computer Advance

� For construction/Purchase of house/flat/enlargement of living accommodation

SlSlSlSl Name ofName ofName ofName of CeilingCeilingCeilingCeiling Other ConditionsOther ConditionsOther ConditionsOther Conditions

AdvanceAdvanceAdvanceAdvance

1 PC Advance Rs 50,000 or actual Maximum 5 times in the entire

price of PC, service

whichever is lower

2 House 34 times of Basic Minimum continuous service is 5

Building Pay (or) years

Advance

Rs 25 lakhs (or) If both spouses are government servants, HBA is admissible to both

anticipated price of separately.

house whichever is

least Existing employees who have

already taken Home Loans from

Banks and other Financial institutions can be allowed to

migrate to this scheme.

((((DDDD)))) Other Other Other Other Welfare schemesWelfare schemesWelfare schemesWelfare schemes

((((1111)))) ProductivityProductivityProductivityProductivity----Linked BonusLinked BonusLinked BonusLinked Bonus

Bonus granted equivalent to emoluments for certain number of days for the

relevant financial year. The PLB is admissible to all non-Gazetted employees

and is restricted to a maximum of Rs.7000 p.m.

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((((2222)))) Group Insurance SchemeGroup Insurance SchemeGroup Insurance SchemeGroup Insurance Scheme

o Applicable to all Central Government employees. The rates are as follows:

Group of Employees Rate of subscription Amount of Insurance cover

A Rs.120 Rs.1,20,000

B Rs.60 Rs.60,000

C Rs.30 Rs.30,000

D Rs.15 Rs.15,000

o An employee joining service after 1st January of a year will be enrolled as member from the 1st January of next year only.

o Out of the monthly subscription, 30% is apportioned to Insurance Fund and 70% to Savings Fund.

o The portion of Savings fund earns interest 12% p.a. compounded with effect from 1-1-1988.

o If the employee dies while in service, the nominee/family of the deceased employee will be paid the accumulations in Savings Fund as well as the amount of insurance cover.

o If the employee ceases to be in service due to retirement, resignation, etc., the employee will be paid only the accumulations in Savings Fund.

oThe subscription is eligible for Income Tax rebate.

((((3333)))) Leave Travel ConcessionLeave Travel ConcessionLeave Travel ConcessionLeave Travel Concession

• Any employee with one year of continuous service on the date of journey performed by him/her and/or his/her family is eligible. • Government servants whose spouses are working in Indian Railways / National airlines are not eligible for LTC.

LTC to HometownLTC to HometownLTC to HometownLTC to Hometown

� It can be availed once in a block of two calendar years � Home town of the official once declared in the service book is treated as final.

� In exceptional circumstances, the Head of the Department may authorize a change, only once during entire service.

� An employee (including unmarried) having his family at his Hometown can avail of this concession for himself alone every year instead of having it for both self and family once in two years.

LTC to any place in IndiaLTC to any place in IndiaLTC to any place in IndiaLTC to any place in India

• This concession is admissible in lieu of one of the two journeys to Home town in a block of four years.

• Available for travel to any place in India including employee‘s Hometown.

• Officials availing LTC to Hometown for self every year are not entitled to LTC to anywhere in India.

( For Fresh Recruits ( For Fresh Recruits ( For Fresh Recruits ( For Fresh Recruits ---- For first two Blocks (first 8 years period) For first two Blocks (first 8 years period) For first two Blocks (first 8 years period) For first two Blocks (first 8 years period) ---- Allowed to Allowed to Allowed to Allowed to

travel to Home town on 3 occasions in a block and any place in India on the travel to Home town on 3 occasions in a block and any place in India on the travel to Home town on 3 occasions in a block and any place in India on the travel to Home town on 3 occasions in a block and any place in India on the

fourth occasion )fourth occasion )fourth occasion )fourth occasion )

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