Monday, July 25, 2016

Workforce in Organised/ Unorganised Sector

Press Information Bureau
Government of India
Ministry of Labour & Employment

25-July-2016 16:04 IST

Workforce in Organised/ Unorganised Sector 

As per the result of labour force survey on employment and unemployment conducted in 2011-12 by National Sample Survey Office (NSSO), Ministry of Statistics and Programme Implementation, the number of estimated employed persons in 2011-12 on usual status basis were 47.41 crore, of which 82.7% of workforce (39.14 crore persons) was in unorganized sector.

Government has enacted the legislations for the construction workers like The Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996 and The Building and Other Construction Workers’ Welfare Cess Act, 1996. Further, to provide social security to unorganised workers the Government has also enacted the “Unorganised Workers’ Social Security Act, 2008”.

Workers get benefits under various legislations like Employees State Insurance Act, 1948, Employees Compensation Act, 1923, Payment of Gratuity Act, 1972, Payment of Bonus Act, 1965 and Building and Other Construction Workers Act, 1996. The coverage of establishments under The Employees’ Provident Fund & Miscellaneous Provisions (EPF&MP) Act 1952 has been enlarged to include construction workers.

The Ministry has initiated many labour welfare measures like minimum pension of Rs. 1000/- per month to the pensioners under Employees’ Pension Scheme (EPS), 1995, portability of provident fund account, National Career Service Portal, Employees State Insurance Corporation 2.0, Revision in eligibility and calculation ceiling under the Payment of Bonus Act, 1965 etc.

Click here to view State/UT-wise usual status (adjusted), Workforce Participation Rates (%) in the rural and urban areas in the country during 2011-12

7th CPC: Govt likely to issue notification this week: The Indian Express report

The Union government is likely to issue a notification for the implementation of the 7th Pay Commission recommendations this week. 

Once the notification is issued, central government employees could get the revised pay from their August salaries.
“Once issues by the Ministry, the notification will be given all pay panel benefits to 4.8 million central government employees and 5.2 million pensioners, except allowances,” a finance ministry official told reporters. 
The Cabinet, last month, approved the recommendations made by the 7th pay commission. Speaking at a press conference, Finance Minister Arun Jaitley accepted the recommendation to increase minimum pay from existing Rs 7,000 to Rs 18,000 per month. He announced that a fitment factor of 2.57 would apply for pay revision of all employees. And the rate of annual increment has been retained at 3%. 

Source: IndianExpress

Research shows significant effect of Yoga Therapy in improving quality of life in cancer patients

Press Information Bureau
Government of India

25-July-2016 16:20 IST

Research shows significant effect of Yoga Therapy in improving quality of life in cancer patients 

The Central Council for Research in Yoga and Naturopathy (CCRYN) has conducted two research projects in collaboration with Swami Vivekananda Yoga Research Foundation, Bangalore on application of Yoga in improving quality of life in cancer patients. The details of the projects and its findings are:
  • Integrated approach of Yoga Therapy in the Management of cancer: The study showed better coping response; decreased distress, reduced side effects; increased natural killer cell counts, increased pain threshold etc.
  • Effect of integrated approach of yoga therapy for metastatic breast cancer patients and study of DNA repair mechanisms relevant to cancer: The study showed significant decrease in anxiety, depression, perceived stress, pain, insomnia fatigue. It also showed improvement in natural cell killer counts and early morning cortisol level.
Ministry of AYUSH has invited project proposals from both public and private research institutes under its Extra Mural Research (EMR) scheme for specific diseases namely, (i) Cancer and (ii) mental & cognitive disorders; to enable in deciding further promotion of the said technique across the country.

In addition, the Ministry of AYUSH through its three research organizations, namely, Central Council for Research in Ayurvedic Sciences (CCRAS), Central Council for Research in Homoeopathy (CCRH) and Central Council for Research in Unani Medicine (CCRUM) has launched a programme to integrate Ayurveda, Homoeopathy and Unani with National Programme for Prevention and Control of Cancer, Diabetes, Cardiovascular Diseases and Stroke (NPCDCS). Yoga is a part as adjuvant therapy.

This information was given by the Minister of State (Independent Charge) for AYUSH, Shri Shripad Yesso Naik in written reply to a question in Lok Sabha today.

Revised version of User id template - V 5.0 for DOP Finacle

New Version of User Template for creation of new users and additional users in DOP Finacle forthwith .

Analysis of Previous years I.P.O Examination Paper 3

Cr P C
10.5 %
27.33 %
100 %



Directorate extend the last date to 29.7.2016 for submitting Authoriszed Office bearers List of GDS .

HC refuses to intervene in post office location

MADURAI, July 25, 2016 

Court dismisses petition that challenged the closure of a branch in Karur district

Recognising the competition faced by the Department of Posts in the digital era, the Madras High Court Bench here has said that courts could not interfere in decisions taken by the department to curtail expenditure.

A Division Bench of Justices Nooty Ramamohana Rao and S.S. Sundar made the observation while dismissing a public interest litigation petition filed by P. Thangavelu, a resident of Inam Karur Municipality, against a decision taken by the department to relocate L.N. Samudram branch post office in Karur district.

Mr. Justice Rao said: “It is not for us to determine where a post office should be located. The choice of establishing the post office vests with the Union of India and it is for them to decide from which location they will be able to serve the public more effectively.”

A matter of convenience

The Bench said establishing a post office was a matter of convenience and its location was a matter of policy. The judges pointed out that the petitioner was guilty of not disclosing the fact of having filed a similar case which got dismissed in 2010. Similarly, he had deposed as a witness in a civil suit filed by a councillor of the municipality before a lower court in Karur in 2008 against relocating the post office.

Judgment passed in the suit had reached finality on account of dismissal of an appeal preferred against it.

Source :

India Post MMS GPS Website - MapMyIndia is now allowing by Sify

Map My India - GPS Tracking in Sify Network 

Department of posts, Mail Motor Service : GPS tracking facilities now available in DMMS vehicles for tacking the schedules from everywhere and the website for tracking the GPS enabled vehicle is now allowed by the Sify Network.

Click below link to Visit the official link

Snap for Map My India

The User Name and Password for the MapmyIndia may be communicated to the concerned offices through official mail id.

Note : Never share the password to anyone as it is highly confidential.

Monitoring Process by the Supervisor other than verification of Transaction in Fiancle

Supervisor has to daintily the following things without fail other than verification's of CPA requests/transactions


  1. Check SOL Date status (HSSI)
  2. Teller Cash Positions
  3. Open Cash transactions (HOCST)
  4. Open Transfer Transactions(HOXFT)


  1. EOD blocking validations check
  2. Teller Cash Positions
  3. Close Cash transactions(HCCST)
  4. Close Transfer transactions(HCXFT)
  5. Initiate day end (HISCOD)

Speed Net v4.4.1 - BNPL Bill Generation Error and Solution

Problem Description: 

The BNPL bills are not getting generated in Speed Net 4.4 update 1. While viewing the status of the BNPL Customer in Speed Net Module it shown as Inactive. 

While checking the bill status in Speed Net Supervisor module it shows "No data" found

Solution Description: 

  • Bills are not generated due to the reason that all customers are having inactive status. Hence, the monthly bill reports are also not displayed. 
Please check the status of BNPL customers using the view/modify option under Supervisor--> BNPL--> Customer Details--> View/Modify window. 
  • The customers might be listed under Active / Inactive / Discontinued status, 
In case agreement period is expired resulting in Inactive status, then enter the details of fresh agreement under Supervisor--> BNPL--> Customer Master-->Agreement-->Add option, select the customer and complete the data entry. 
  • In case there are pending bills resulting in Inactive/Discontinued status, 
then check the bill details under Operator--> Payment Data Updation --> Monthly Bills --> BNPL Customer option, select the customer & bill month, fetch the details and update the payment details for pending bills. 
Note: Customer agreement will lapse in case of pending bills more than 2 months old and the customer status will be shown as Discontinued. In such cases, a new agreement has to be made with defaulting customers for continuing the booking as per BD Dte instructions on the subject. 

Revision of GDS FG Bond security amount

The Department of Posts has revised the security amount to be furnished by Gramina Dak Sevaks as under vide DG letter no 6-18/2010-PE-II dated 07-05-2010 

1. GDS BPMs from Rs 10000/- to Rs 25000/-

2 Other GDS from Rs 5000/- to Rs 10000/-

The security will be in the form of Fidelity Guarentee Bond or National Savings Certificate pledged to the Department or in the shape of Bank Gurantee from any nationalized Bank. The present periodicity of yearly renewal- of the Fidelity Guaratee Bond be revised to once in 5 years (quinquinnelly).The required premium for-5 years' block may be recovered and the F.G. Bond obtqined for full 5 years block from the recognized Cooperative Credit Society.

To view the full text of the letter click here.

I can't log in or use Lync Online. What do I do?

Sometimes you may have an issue logging in to Lync Online.  Here are some common troubleshooting steps.  The first step should always be to verify your account in a web browser first.


  • Verify your account has the appropriate access and authorization to use Office 365 services, such as Lync Online or SkyDrive Pro. 

  1. Browse to and log in on the GT Login Service.
  2. If you do not see the GT Login Service website, clear your browser's cache and restart your browser.
  3. If you recieve a Microsoft error, your account may not be authorized to access the Office 365 services. If you believe this is in error, please contact the OIT Technology Support Center. 
  4. Most general Lync Support questions may be resolved using this Microsoft resource on "Common Help Topics about Lync". 

  • "You may have entered your sign-in address, user name, or password incorrectly, or the authentication service may be incompatible with this version of the program." 
Verify that your Lync client is up to date and that your credentials ( are entered correctly. 

"To sign in, additional software is required. Download and install now?" 

  • Run Office 365 Desktop Setup accessible from the Office 365 website (, or install the latest version of the Microsoft Online Services Sign-In Assistant
  • "Cannot sign in to Lync because your computer clock is not set correctly. To check your computer clock settings, open Date and Time in the Control Panel." 
  • The system time or date is more than five minutes off from the time or date of the Lync server. Verify that your computer's clock is set correctly. 
  • "Sign-in address was not found." 
  • You may not be authorized to access Lync. Please retry the first step in this list to verify your access. 
  • "The username, password or domain appears to be incorrect." 
Verify that you typed your username ( and password correctly. If you manually setup your Lync (SIP) client, then verify that you typed in the server settings correctly.


Directorate vide letter No. 7-14/2011-SPB-II dated 9-3-2011 has circulated revised Pattern and Syllabus for Limited Department Competitive Examination for the post of IPs for filling up 66.66% vacancies in the Department. The examination will now be held only for 4 papers without the aid of books with 150 Multiple Choice Questions (MCQ) in each paper.The date for holding of the Examination will be communicated separately by the DE Division. Revised Pattern and Syllabus is as under: 

Pattern and Syllabus is as under:





No. of Papers
Paper I – Postal Manual Vol. V, Postal Manual Vol. IV, Postal Manual Vol II, CCS (Conduct) Rules, Postal Manual Vol. III, MTT
Paper I –
(1) Acts/Rules/ Guidelines Instructions relating to Inland & Foreign Posts, Mail Operations, Money Remittances, Savings Bank Schemes and Certificates Rural and Postal Life Insurance.

(2) Organization of Department, Office Procedure and Material Management for optimum utilization of network, Establishment and Administrative Matters.

Paper II – Postal Manual Vol VIII, PO Guide Part I and II, Postal Manual Vol VI (Part I, II AND III) POSB Manual Vol. I & II Postal Manual Vol. VII
Paper II – CCS (Conduct) Rules, CCS (CCA) Rules, Accounts, FRs & SRs and FHBs.

Paper III – FHB Vol. I & II, FRs and SRs, CCS (Pension) Rules, CCS (Leave) rules, CCS (Joining Time ) Rules
Paper III (1) Constitution of India
(2) Short title, extent, commencement and definitions of CPC & CrPC.
(i) CrPC: Proclamation for person absconding attachment of property of person absconding , claims and objections to attachments, release, sale and restoration of attached property.
(ii) Indian Evidence Act: Short title, extent and commencement
Of the relevancy of the facts: Evidence may be given of facts in issue and relevant facts, relevancy of facts forming part of the same transaction, facts which are the occasion, cause or effect of facts in issue;motive, preparation and previous or subsequent conduct.
Facts which need not be proved:
Of oral evidence:
Of documentary evidence
(iii) Indian Penal Code: General Explanation:
Of Punishments
Of offences by or relating to public servants
Of contempts of the lawful authority of public servants
Of the criminal breach of contract of service
(3) RTI Act and Consumer Protection Act

Paper IV – Indian Post Office Act., Government savings Bank and Certificate Acts, IPC, Evidence Act, Cr. PC, CAT, Consumer Protection Act
English Language General Knowledge & Reasoning/ Intelligence

Paper V – Essay, General Knowledge, Computer Basics and Intelligence Test.

Each paper carries 100 marks
Each paper will carry 300 marks
Duration for each paper is 3 hrs.
Duration of each paper would be 3 hrs.
No. of Questions
Subjective type Questions
150 Multiple Choice Question (MCQ) in each paper
Qualifying marks
40% marks in each paper subject to an overall average of 45% for general category and 33% marks in each apper subject to an overall average of 38% for SC/ST
No change
Assessment of APAR / ACR
Not included
The Competent Authority will ensure and certify the following before recommending the application of the official for examination:
(i) No disciplinary action is pending or contemplated against the applicant
(ii) No punishment is current against the applicant
(iii) No adverse entry in the APAR/ACR in the last five years

Confederation is confident of increase in 7th Pay Commission Multiplication Factor

7th Pay Commission Multiplication Factor is one of the key demand of CG employees. CG employees got suspicious after recent reply of Finance Minister whether govt is considering to increase the Multiplication Factor or not. In this connection, Secretary General, Confederation stated that Employees need not come to a conclusion that 7th Pay Commission Multiplication Factor will not not be increased.

In this connection, Mr. Krishnan, Secretary General, Confederation of Central Government Employees and Workers has stated that in view of reply of Finance Minister in the parliament Empoyees need not come to a conclusion that 7th Pay Commission Multiplication Factor will not not be increased as he has used the term “at present”.

Further Mr.Krishnan has opined that Govt is concerned about Indefinite Strike action of Central Government Empoyees in the event of no increase in 7th Pay Commission Multiplication Factor.

The Text of report released in the official website of Confederation of Central Government Employees and Workers on this issue is as follows

Dear Comrades,

We are reproducing below the reply given by the Hon’ble Finance Minister Shri Arun Jaitley in the Rajya Sabha on 19-07-2016 —

The Finance Minister has made it clear that “the government is responsive to the concerns of the Employees’ Associations and it would be the endeavor of the Government to ensure that the eventuality of a strike does not arise.”

Regarding increasing of the multiplication factor, the Finance Minister replied that:

“no such proposal is under consideration of the Government, at present’

The assurance given to the NJCA leaders by the Group of Ministers (including Finance Minister) on 30-06-2016 is that enhancement in minimum pay and fitment factor (multiplication factor) will be considered favourably by the Government, once the proposal in this regard is submitted to Government by the proposed “High Level Committee” within four months. Hence, the matter will come for the “consideration” of the Govt. only after submission of the report by the High Level Committee.

In that sense, technically, the reply of the Finance Minister that “at present” there is no such proposal under consideration of the Government, may not be taken in a different manner and we need not jump into the conclusion that multiplication factor will not be increased.

However, giving due importance to the concerns expressed by many of our comrades and grass-root level leaders, the NJCA will discuss this issue shortly and take appropriate decision. NJCA is keenly observing the move of the Govt. and any going back from the assurances given by the Group of Ministers or any betrayal of 33 lakhs Central Govt. Employees and 40 lakhs pensioners by the NDA Govt., shall result in revival of the deferred strike by the NJCA and Government will be solely responsible for all consequences.


Secretary General

8500 post offices will turn into e-Centers by June next year

State Minister for Ministry of Information, Communication and Technology Zunaid Ahmed Palak on Thursday said the government would turn 8,500 post offices into e-centres by June, 2017 to disseminate information and communication technology services to the rural people across the country. He said this on behalf of State Minister for Post and Telecommunications Begum Tarana Halim while replying to a starred question from treasury bench member Sukumar Ranjan Ghosh in the House.

The government has undertaken a project named Post E-Centre for the Rural Community to turn the post offices into e-centers, he said adding, these e-centers would minimize the digital divide between cities and villages, create employment facilities in villages and develop information and technology based skilled manpower.

He said after completing the project, the people would get more updated facilities from post offices and they would be able to track and trace their letters sitting at home. The people would also be able to use cash, postal cash cards or electronic money transfer service (EMTS) and to pay their e-commerce bills through the services, Palak said. Meanwhile, establishment of the ICT based rural post offices has been completed and such 1,000 more offices will be established by June 2017, he added.

Source :


To download click on download

NASA's New Horizons postage stamp enters Guinness Book of World Records!

Image courtesy: NASA/Dan Afzal/U.S. Postal Service

New Delhi: NASA's New Horizons spacecraft is currently administering a probe in and around Pluto and for those of you who are unaware, it is also carrying a 1991 “Pluto Not Yet Explored” postage stamp.

Yesterday, July 19, NASA proudly announced that the stamp in question has earned a Guinness Book of World Record honour for the farthest distance traveled by a postage stamp!

Jimmy Coggins, official adjudicator for Guinness World Records, during a presentation ceremony on July 19 in the Hall of Flags at U.S. Postal Service Headquarters in Washington, D.C., said, “Our mission is to make the amazing official,” as reported by NASA.

Well, it certainly seems like they have! As per NASA, the 29-cent “Pluto Not Yet Explored” stamp became a rallying cry for the New Horizons mission team, which affixed it on the spacecraft at Cape Canaveral, Florida, prior to launch on Jan. 19, 2006. The stamp hitched a ride of more than 3.2 billion miles to Pluto, reaching the dwarf planet on July 14, 2015, bringing humanity its first breathtaking close-ups of the mysterious world.

However, the stamp was cancelled last July when New Horizons flew past Pluto.

The “Pluto Not Yet Explored” stamp is now 274-million miles (441-million kilometers) beyond Pluto, in a quest of sorts, it seems, to break its own record.

Chennai GPO may be first T.N. post bank: The Hindu

Chennai General Post Office (GPO) is likely to be first post bank in the State to be launched early next year. The Department of Posts is planning to set up ‘India Post Payment Banks’ (IPPB) using the postal network to provide banking services to people.

Aimed at providing access to banking services to people particularly in rural areas, the IPPB will provide a range of services, including direct benefit transfers and facilitate various payments like old age pension and government subsidies. The vast network of post offices would be used to eventually even deliver the payment at the doorstep of customers. Officials of the postal department said such post banks would function as separate entity and function according to the guidelines of Reserve Bank of India.

Mervin Alexander, postmaster General (Chennai city region), said, “Payment banks will deal with money remittances of all kinds to people. This could be useful to people particularly in rural areas who have limited access to banks. But, it will not provide loans. However, savings schemes and deposits will remain under post offices at this point of time.” Earlier, core banking network solutions and postal ATMs were started as part of an initiative to provide banking services at post offices.

Net banking and mobile banking will be the next step towards reinventing the postal services according to the changing trend. The department has also announced a competition for logo design and tagline for the proposed IPPB. The tagline should not exceed eight words either in English or Hindi and the best entries will be awarded with a cash prize of Rs.25,000. The last date of submission is July 31.

'Department of Post' to have GPS equipped vehicles

Department of Posts has decided to use GPS device for better monitoring of vehicles. This step has been taken to mechanize mail delivery in phased manner.

India Post network has expanded from 23,344 post offices to 1,55,035 post offices as by 31.3.2008. Of these 1,39,173 Post Offices are in rural areas and 15,862 Post Offices in urban areas with an average post office serving 7,174 people and covering an area of approximately 21.2 sq. kms so the department has undertaken several other projects to improve the quality of mail processing, transmission and delivery.

Under National Address Data Base Management System project, the Department has undertaken and initiative to put in place a national address database management system with an objective to effectively manage the address database of public/ customers, update the addresses online, and help the customers in locating correct addresses and PIN codes.

Meeting on India Post Payment Bank (IPPB) at Press Club of Odisha, Bhubaneswar

Meeting on India Post Payment Bank (IPPB) at Press Club of Odisha, Bhubaneswar on 23.07.2016
Ms. Madhumita Das DDG, PBI addressed the gathering and explained different features of IPPB
Attended by all Divisional and Sub Divisional Heads including all Group Officers of Odisha Circle

VP Intimation v5.3 Revised 19.07.2016 for Generating COD Intimation Slip

Download Revised intimation Tool dated 19.07.2016

Revised Version of PoT Intimation Tool is available in PoTools shortly. Please do subscribe with PoTools using below link to get latest updates in your inbox.

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7th CPC Notification – CG employees are Expecting Eagerly

7th CPC Notification – CG employees are Expecting Eagerly

It is expected that Finance Ministry will issue necessary order and Notifications to implement the 7th Pay Commission recommendations as soon as possible.
7th Pay Commission is become interesting news for not only CG employees but the people across the country. Very important reason for this is Press Media. Every day at least one Daily writes an Article about 7th CPC news based on hearsay and it never missed to attract everyone.
To defuse the Indefinite strike called by NJCA , the Central Government assured NJCA that the Govt will constitute four committees to look into the important demands raised by NJCA. Based on the Press release issued by Finance Ministry, NJCA decided to defer the Indefinite Strike.
Though there are 26 Demands placed before the government, the issues of Minimum Pay, Fitment factor and HRA are mostly expected to be settled.
How much it will be increased from 18000 is the main point of discussion among CG employees and it is noteworthy that Govt also approved the uniform Fitment factor 2.57 to All grades as recommended by 7th Pay Commission.
In case the Proposed Committee recommends to increase the Minimum Pay to 19000 or more than this, subsequently Fitment factor also may be revised. As recommended by 7th Pay commission, the Committee also can use the following method to arrive the Fitment factor as per the increase in Minimum Pay
18000/7000 = 2.5719000/7000 = 2.7120000/7000 = 2.8521000/7000 = 3.00
If the Minimum Pay is increased, the Fitment factor also has to be increased. Based on the New Fitment factor, the existing pay of CG employees will be revised.
For example If, Basic Pay of a Govt Servant is Rs.10000(including Grade Pay of Rs.1900), His revised pay as per 7 th CPC will be 10000 x 2.57 = 25700 ( to be fixed as 26000 as per Pay Matrix Table)
As per the above fitment factors, the Basic Pay will be revised like this..
10000 x 2.71 =27100
10000 x 2.85 = 28500
10000 x 3 = 30000
From the above example it is obvious that Pay matrix also to be modified as per fitment factor.
There is also expectation on HRA that the 7th CPC recommended rates i.e 8%, 16% and 24% would be restored to the existing rates of 10, 20 and 30 percent respectively.
In the meantime, everybody is thinking about what are all the Provisions are incorporated in the 7th CPC Notification. We will have to wait to see the impact of the Notification to be issued by Finance ministry amidst expectations and doubts.
Source :


The Government Savings Banks Act 1873

(Act no 5 of 1873)

1. The government savings Banks Act 1873 was enacted on
a. 28th February 1873
b. 28th June 1873
c. 28th January 1873 (ans)
d. 28th March 1873

2. The Government savings banks act 1873 is extends to
a. India except Jammu and Kashmir
b. India except Arunachal Pradesh
c. The whole of India (ans)
d. India except Union Territory

3. Mark the correct option for “Payment on death of depositor”
a. The deposit shall be paid to the nominee.
b. In case nominee is the minor, the deposit shall paid to person appointed to receive.
c. Where no such person is authorized, to the guardian of the minor for the use of minor
d. Where the deposit is payable to two or more nominee and either or any of them is dead, The deposit shall be paid to the surviving nominee or nominees
e. All the above (ans)

4. The savings banks act 1873 does not apply to
a. Anchal saving account (ans)
b. 5 year R.D account
c. T.D account
d. Account opened through Agents

5. If a depositor dies and there is no nomination in force at the time death………………..should be produced within 3 months for payment
a. Probate of his will
b. Letter of administration of his estate
c. A succession certificate granted under the Indian succession Act 1925
d. Any one of the above (ans)

6. The central government may published the rule by
a. Circulars
b. SB orders
c. DG orders
d. Notification in the official gazette (ans)

7. Where the amount of the deposit belonging to the estate of a deceased depositor does not exceed ………………………….such amount shall be excluded in computing the fee chargeable under the court-fees Act 1870
a. Rs 3000/- (ans)
b. Rs 5000/-
c. Rs 10000/-
d. None of the above

8. Payment of deposits belonging to lunatics is explained in the section ………………of government savings Banks Act 1873
a. 13
b. 10
c. 11
d. 12 (ans)

9. Payment of deposits to minor or guardian is explained in the section ………………of government savings Banks Act 1873
a. 10 (ans)
b. 11
c. 12
d. 13

10. Payment of married women’s deposits is explained in the section ………………of government savings Banks Act 1873
a. 14
b. 13 (ans)
c. 15
d. 16

11. Penalty for false statements under this act is an offence under I.P.C section
a. 193 (ans)
b. 194
c. 192
d. 195

12. Who has power to make rules as per Savings Banks act
a. D.G(P)
b. State governments
c. Central government (ans)
d. R.B.I

13. Any deposits made by a woman or on behalf of a married woman or on behalf of a woman who afterwards marries, may be paid to
a. Her mother
b. Her father
c. Her husband
d. Herself (ans)

(Prepared By Raju M.T. Postal Assistant at Thirthahalli S.O Shimoga Dn. )