Thursday, September 22, 2016

WANT OF INFORMATION UNDER RTI -2005

Dear comrades,

In order to get a clear picture on cadre restructure ,on behalf of our Divisional union we arise the following questions under RTI act.

Postal department to provide export service to Ludhiana's small-scale industries

LUDHIANA: Under a new project of providing export service, the postal department has formed a marketing team to conduct a survey in Ludhiana for the purpose. As part of this project, the postal department will tie up with small-scale industries (SSIs) of Ludhiana, to provide a better, cheaper, and easier platform to export their goods. This was revealed by PKSwain, chief postmaster general of Punjab & UT Chandigarh, in the city on Wednesday.

While interacting with the media about the upcoming projects, Swain said: "As Ludhiana is an industrial hub, and its small-scale industry needs a little push, we are planning to launch an export service for them. We have formed a marketing team that will check their requirements and collect detailed information." Swain has also asked small-scale industries to share their ideas and requirements through the general post office.

As of now, all logistics involved in import and export is in private hands. According toAvtar Singh, president of Chamber of Industrial and Commercial Undertakings (CICU): "This is a laudable effort on the part of the postal department, as freight constitutes a significant part of the cost of a product meant for import/export. If the department can provide its services at a nominal cost with faster delivery, it will be a win-win situation for both the industry and the government."

Source:-The Times of India

BSNL plans free voice, cheaper package than Reliance Jio

State-run BSNL will be the first to cut tariffs to better Reliance Jio's offer, a top official said on Wednesday, setting the stage for a price war in the country's crowded mobile telecom market. 

The public sector player is planning to follow Jio in offering free voice calling on its network, and at plans that will be cheaper than the new entrant's. And unlike Jio's offer that is available for only 4G subscribers, the BSNL plan will be open to 2G and 3G users, which constitute the majority of mobile customers. 

"We are closely observing the market as well as Jio's performance. We will also come up with lifetime free-voice plans from the new year as part of fresh offerings," BSNL chairman and managing director Anupam Shrivastava told TOI. "We plan to be even lower than the Jio plan, and this could be by Rs 2-4." 

BSNL, that has a strong market penetration and significant share in many key markets such as Kerala, Himachal Pradesh, Haryana, Odisha, Punjab and UP, will announce the zero-voice-tariff plans from January and these would be lower than the Rs 149 entry price of Jio. The loss-making PSU is, however, absent in key markets such as Mumbai and Delhi (serviced by MTNL). 

Shrivastava said that the plan will be offered to BSNL's mobile customers who also have a broadband connection at home. "The idea is to use the home broadband to route outgoing mobile calls through the landline network. We estimate that a large amount of time is spent at home, and so here we can ride on our wire-line operations," he said. 

However, the free-voice facility will also be available when a subscriber would use it outside the residence. 

BSNL's offer may put further pressure on operators such as Airtel, Vodafone and Idea Cellular to slash tariffs, said experts. Prashant Singhal, partner at Ernst & Young, said the BSNL offer will impact other telecom companies. "Others will also have to follow suit. But this can be a risk for BSNL and its average revenue per user (ARPU) can be hit." 

Asked whether BSNL will absorb the revenue-hit from loss of voice tariffs — which are estimated to contribute nearly 70% to the business of telecom companies today — Shrivastava said the company expected to make this up through new customer additions. "The free roaming scheme cost us Rs 150 crore, but we made it up by gaining more subscribers. In any case, our ARPU is around Rs 120 and our free-voice plans will be upwards of Rs 140." 


Source : The Economic Times

Special cover released on Karur Vyaya Bank (KVB) a legacy of 100 years of Trust


Dr. Charles Lobo CPMG Tamil Nadu Circle released the special cover 

LGO Results (Revised) declared in Bihar Circle - Exam date 31.07.2016


























Government appoints 3 members to interest-rate setting panel

Government today named Indian Statistical Institute professor Chetan Ghate, Delhi School of Economics director Pami Dua and Ravindra H Dholakia of IIM- Ahmedabad as members on interest-rate setting Monetary Policy Committee. 

MPC, which will take over the job of setting interest rate, will have six members, with the government and the Reserve Bank of India (RBI) appointing three persons each. 

The Appointments Committee of the Cabinet (ACC) cleared the three eminent experts as members on the MPC for a period of four years, a government notice said. 

RBI nominees will include, governor, a deputy governor and one more person from the central bank.



Source : The Economic Times

Postal athletics tourney kicks off


LUDHIANA: The 31st All India Postal Athletics & Cycling Tournament-2016 kicked off atGuru Nanak Stadium on Wednesday. As many as 182 participants of 12 teams from different states, and Army Postal Services will participate in 36 events. 

Athletic events were organized at Guru Nanak Stadium, and cycling competition at the velodrome of Punjab Agricultural University. On the first day, in the 1,500-metre race for men, Vivek Kumar of Rajasthan came first, Umesh Kuvar of Gujarat second, and R Ramesh of Andhra Pradesh third. In the 1,500-metre race for women, Ritu Dinkar of Rajasthan, SR Desai of Karnataka, and Hanha Baria of Gujarat took the first, second, and third spots respectively. 

In long jump, Renu Bala of Odisha, G Lavanya of Tamil Nadu, and Manju Kumari of Rajasthan came first, second, and third respectively. In the 100-metre race for men, V Sanjay of Karnataka, Sajid NP of Kerala, and S Pandiyan of Tamil Nadu came first, second, and third respectively. In the 100-metre race for women, Renu Bala of Odisha, G Navanya of Tamil Nadu, and Disha Patel of Gujarat came first, second, and third respectively. 

Source : The Times of India

VACANCY POSITION FOR THE IP EXAM RESPECT OF ALL CIRCLE HELD ON 22 & 23 OCT 2016

VACANCY POSITION FOR THE IP EXAM RESPECT OF ALL CIRCLE HELD ON 22 & 23 OCT 2016

DA from July 2016 in 7th pay Commission is 2% or 3%

DA from July 2016 in 7th pay Commission is 2% or 3% is yet to be confirmed
It seems that the DA from July 2016 in 7th Pay Commission is not yet finalized by Central Government. There is confusion persists on the rate of Dearness Allowance to be paid from 1st July 2016 in revised Pay . The AICPIN average for the year 2015 to be taken as Base Index for calculation of DA in 7th CPC as the DA has been neutralized to arrive the revised Pay.
The actual AICPIN Average for 2015 is 261.33. As per this AICPIN average, the DA to be paid at the rate of 2% from July 2016 in 7th CPC . But the NCJCM has contended that it should be paid at the rate of 3%.
The NCJCM staff side said that as per the practice of fraction is being ignored, 0.75 is ignored from actual DA 125.75 as on 1st January 2016. Since the 125% DA was merged to revise the 7th CPC pay, Accordingly, the AICPIN average of 2015 has to be revised to 260.46 from 261.33 to arrive the exact rate of DA of 125% .

It is obvious that the NCJCM Staff Sides claim has sufficient merits to be considered favorably by the Government. In that case, the DA to be paid from July 2016 will be 3%.

The NCJCM Staff Side should be appreciated for this timely intervention and effort.

The central Government need to take decision in this regard soon, as it has been passed third week of September. Usually the announcement of DA for July every year will be made in the first or second week of September.

Casual Labourers with temporary status - clarification regarding contribution to GPF and Pension

Casual Labourers with temporary status - clarification regarding contribution to GPF and Pension under the Old Pension Scheme

FORMS NUMBER AND THEIR NAME USED IN DOP

ACCOUNTS - FORMs
ACG 1 HO SUMMARY
ACG 2 TREASURER CASH BOOK
ACG 3 SO SUMMARY
ACG 3 A BO SUMMARY
ACG 4 HO CASHBOOK
ACG 6 B PLI RECEIPTS SCHEDULE
ACG 8 TREASUY PASS BOOK
ACG 14 MEMO OF AUTHORIZED BALANCE
ACG 17 MONEY RECEIPT
ACG 19 COUNTERSIGNED CONTINGENT BILLS-PO
ACG 19 A REGISTER OF SANCTIONED ESTABLISHMENT
ACG 19 B COUNTERSIGNED CONTINGENT BILLS-RMS
ACG 20 DISBURSEMENT OF PAY AND ALLOWANCE FOR ALL
ACG 22 A BO DAILY ACCOUNT
ACG 24 AQUITTANCE ROLL
ACG 25 ROAD ESTABLISHMENT
ACG 28 REGISTER OF CHEQUES RECEIVE AND CLEARED
ACG 37 OTA BILLS
ACG 38 OUTSTATION ALLOWANCE
ACG 44 LETTER POSTAGE ACCOUNT
ACG 45 UNPAID POSTAGE ACCOUNT
ACG 46 MEMORANDUM TO PREPAYMENT OF POSTAGE
ACG 47 RECEIPT OF CASH PAID IN CASH
ACG 60 ADVANCE REGISTER
ACG 67 EARNEST MONEY DEPOSIT
ACG 69 REGISTER OF BUILDINGS AND LANDS
ACG 84 MEMO OF MONTHLY CASH BALANCE
ACG 90 CUSTOMS DUTY COLLECTION SCHEDULE
ACG 108 BILL FO PROVISIONAL PENSION/FP/GRATUITY
ACG 154 REMITTANCE ADVICE
GAR 42 GPF WITHDRAWAL FORM
TR 24 PERIODICALS INCREMENT CERTIFICATE 
Prepared By: V. Leo Jesurajan, DSM, Karur Division,
REGISTRATION-FORMS
RP 1 REGISTER RECEIPT
RP 3 PARCEL LIST
RP 8 PARCEL ABSTRACT
RP 51 REGISTER JOURNAL
RP 52 INTIMATION FORM
RP 53 BOOK OF INTIMATIONS DELIVERED
RP 54 ACKNOWLEDGMENT CARD
RP 54 A ACKNOWLEDGMENT OF RECEIPT
RP 57 SPECIAL DELIVERY SLIP
RP 58 DELIVERY SLIP
RP 63 INTIMATION SLIP ABOUT DAMAGE
Mail Forms
MS 1 POSTMASTER ORDER BOOK
MS 2 ERROR BOOK
MS 9 A CUSTOMS FEE ASSESMENT BY PM
MS 12 NOMINAL ROLL
MS 13 MONTHLY STATISTICAL REIGSTER
MS 14 STATISTICAL REGISTER ABSTRACT
MS 14 A STATISTICAL MEMORANDUM
MS 15 INDEX TO MO RECEIPTS
MS 16 CONTENT OF ARTICLES LIST FOREIGN
MS 18 BOOK OF POSTMARKS
MS 27 POSTMAN BOOK
MS 28 MAIL ATTENDANCE BOOK
MS 42 NOTICE OF PRESCRIBED FEE FOR PROFESSIONAL LETTER WRITERS
MS 85 REIGSTER OF VILLAGE POSTMAN
MS 86 VISIT BOOK OF VILLAGE POSTMAN
MS 88 YEARLY VILLAGE RETURN
MS 94 COMPLAINTS AND SUGGESSION BOOK
MS 98 BILL FOR REGISTERED NEWSPAPER FORTNIGHTLY
MS 99 MONTHLY STATEMENT ON BILL FOR REGISTERED NEWSPAPER
M1A MAIL LIST
M3 RECEIPT OF DETAILS OF BAG
M6 CONSOLIDATED LIST OF HOURS OF BUSINESS
M6A HOURS OF TRANSACTIONS
M9 DUE MAIL AND SORTING LIST
M 12 DESPATCH OF MAIL
M 23 REGISTER OF WINDOW DELIVERY TICKETS
M 24 WINDOW DELIVERY TICKET
M 26 A TRIAL CARD
M 28 INTIMATION FOR RENEWAL OF WINDOW DELIVERY TICKETS
M 32 BOOK OF ADDESSEE'S INSTRUCTION
M 34 INSTRUCTION SLIP
M 36 MEMO OF POSTAGE STAMP
M 37 ARTICLES LABLE - RLO
M 40 REGISTER OF LINES AND STAGES
M 52 VILLAGE SORTING LIST
M 57 INLAND AIRMAIL DELIVERY BILL
 Prepared By: V. Leo Jesurajan, DSM, Karur Division
IPO Forms
MO 59 INDENT FO IPO TO PAO
MO 60 IPO STOCK
MO 60-A SUBSIDERY REGISTER
MO 61 REGISTER OF AUTHORIZED STOCK
MO 62 IPO SOLD JOURNAL
MO 63 LIST OF IPO SOLD
MO 64 MEMO OF UNSOLD IPO
MO 65 MEMO OF IPO SOLD
MO 66 HO JOURNAL OF IPO PAID
MO 67 LIST OF IPO PAID THROUGH CLEARING HOUSE
MO 67 SO DAILY LIST
MO 68 ABSTRACT OF IPO PAID IN A MONTH
MO 72 LIST OF IPO FOR Book Adjustment

REVISED NOTE ON ALLOWANCES SUBMITTED TO ALLOWANCE COMMITTEE

REVISED NOTE ON ALLOWANCES SUBMITTED TO ALLOWANCE COMMITTEE

FUNDAMENTAL RULES AND SUPPLEMENTARY RULES PART -I

Fundamental Rules and Supplementary Rules Part -I

FR - 1 > Introduction to Fundamental Rules 
FR - 2 > Applicability of Fundamental Rules 
FR - 3 > Exception to application of Fundamental Rules 
FR - 4 > 
FR - 5 >
FR - 5A > Relaxation from application of Fundamental Rules
FR - 6 > Delegation of power under Fundamental Rules
FR - 7 > Consultation with Ministry of Finance
FR - 8 > Power of interpretation of Fundamental Rules
FR - 9 > Definition of various terms

General Conditions of Service

FR - 10 > Requirement of Medical Certificate
FR - 11 > Govt. service is whole time employment
FR - 12 > Cessation of Lien
FR - 13 > Retention of Lien
FR - 14 > Termination / Transfer of Lien
FR - 15 > Transfer of Service by President
FR - 16 > Contribution to PF and Pension
FR - 17 > Drawl of Pay and Allowances
FR - 17A > Unauthorized absence - break in service
FR - 18 > Leave not to exceed 5 years

Pay and Pay Fixation

FR - 19 > Pay not to exceed sanctioned pay
FR - 20 > Pay during training / course of study
FR - 21 > 
FR - 22 > Pay fixation (CLICK HERE for Pay Fixation Rules)
FR - 23 > Change of pay of a post implies transfer
FR - 24 > Drawl / Withheld f increment
FR - 25 >
FR - 26 > Counting of service for increment
FR - 27 > Grant of premature increment
FR - 28 > Pay on reduction to lower post/grade
FR - 29 > Period of reduction to be specified
FR - 29A > Pay on setting aside the order of reduction
FR - 30 >
FR - 31 > Pay on discovery of erroneous appointment
FR - 32 >
FR - 33 > Pay on officiating in a post with personal pay
FR - 34 > 
FR - 35 > Limit for officiating pay
FR - 36 > Acting promotion
FR - 37 > Adjustment of personal pay
FR - 38 >
FR - 39 > Pay of temporary posts not likely to be permanent
FR - 40 > Pay of temporary posts likely to be permanent
FR - 41 > 
FR - 42 > 
FR - 43 > 

Additions to Pay

FR - 44 > Compensatory allowances
FR - 45 > Residential accommodation
FR - 45A > Licence fee for Govt. employees
FR - 45B > Licence fee for others
FR - 45C > Emoluments for determination of licence fee
FR - 46(a) > Permission to receive fees
FR - 46(b) > Grant of honorarium
FR - 46(c) > Both fees and honorarium
FR - 46A > Fee received by Medical Officers
FR - 47 > Honorarium to Medical Officers
FR - 48 > When permission not required to receive fees
FR - 48A > Restriction in applying for patents

Combination of Appointment*

* This topic is different from combination of past service
FR - 49 > Pay on officiating appointment
(i) Full Charge of higher post
(ii) Dual charges of identical posts in same cadre
(iii) Additional charge outside office/cadre
(iv) Limit on pay and additional pay
(v) No additional pay for routine duties
(vi) Compensatory and Sumptuary allowances

Deputation out of India

FR - 50 > Requirement of approval from central Govt.
FR - 51 > Pay and allowances
(1) Pay in India while on deputation abroad
(2) Compensatory allowances in the foreign country
(3) Exchange rate
FR - 51A > Deputation abroad to hold a regular post

Dismissal/Removal/Suspension

FR - 52 > Cessation of pay and allowances
FR - 53 > Entitlements on suspension
FR - 54 > Pay on reinstatement on appeal
FR - 54A > Pay on reinstatement by court order
FR - 54B > Pay on reinstatement on due course
FR - 55 > No leave while under suspension

Retirement

FR - 56 > Retirement 
(a) Date of retirement of Govt. employees
(b) Date of retirement for workmen
(c)
(d) No extension in service beyond retirement
(e) - (h) 
(i) Military officer in civil department
(j) Premature retirement of Gr. A & B officers
(k) Self retirement by Gr. A & B officers
(l) Premature retirement of Class III staff
(m) Self retirement by Class III staff
FR - 57 >

Leave

FR - 58 to FR - 104
Note - These Fundamental Rules have since became more of obsolete/historic in nature and have been taken over by the CCS (Leave) Rules, 1972.
CLICK HERE to view CCS (Leave) Rules

Joining Time

FR - 105 to FR - 107
Note - These Fundamental Rules have since became more of obsolete/historic in nature and have been taken over by the CCS (Joining Time) Rules, 1979
CLICK HERE to view CCS (Joining Time) Rules
FR - 108 > No pay after expire of joining time
FR - 108A > Joining time on appointment

Foreign Service*

* This has different meaning than what is meant literally. In other words, it is not service abroad, but has a meaning as defined under FR - 9(7)
FR - 109 > Applicability of FR-110 to FR-127
FR - 110 > Sanction of transfer to foreign service
FR - 111 > Admissibility of transfer to foreign service
FR - 112 > Transfer to foreign service while on leave
FR - 113 > Continuity in own cadre during f.s
FR - 114 > Drawl of during foreign service 
FR - 115 > Contribution for pension and leave
FR - 116 > Rate of contribution for pension and leave
FR - 117 > Basis for fixing rate of contribution
FR - 118 > 
FR - 119 > Remittance of contribution and interest
FR - 120 > No right to withhold or refund contribution
FR - 121 > No gratuity / pension from foreign employer
FR - 122 > Leave during foreign service in India
FR - 123 > Leave during foreign service outside India
FR - 124 > Pay during f.s not considered for pay fixation
FR - 125 > Return from foreign service
FR - 126 > Pay and contribution after return from f.s
FR - 127 > Recovery of cost for additional establishment

Service under Local Fund*

* Local Fund has been defined under FR-9(14) and bears the same meaning here. 
FR - 128 >
FR - 129 >
FR - 130 >

Group - 1

SR - 1 > Applicability of Supplementary Rules
SR - 2 > Definitions of various terms
SR - 3 > Format of medical fitness certificate
SR - 4 > Authority for issue of medical fitness certificate
SR - 4A > Exemption from medical fitness certificate

Group - 2

SR - 5 > Cessation of allowance on vacation of post
SR - 6 > Leave and Temporary Transfer
SR - 7 > Allowance during leave and temporary transfer
SR - 7C > Allowance during joining time
SR - 8 >

Group - 3

SR - 9 > Credit of fee received by Medical Officers
SR - 10 > Acceptance of fee by Medical Officers
SR - 11 > Acceptance of fee by others
SR - 12 > Credit of fee received by others
SR - 13 >
SR - 14 >
SR - 15 >
SR - 16 >

Group - 4

SR - 17 to SR - 195
These Supplementary Rules are related to Traveling Allowance (TA) for the central Govt. employees and have been covered separately under the major topic "Allowances".
CLICK HERE to view TRAVELING ALLOWANCE

Group - 5

SR - 196 > Service record of gazetted employees
SR - 197 > Service record of non-gazetted employees
SR - 198 > Maintenance of Service Books
SR - 199 > Recording of entries in the Service Book
SR - 200 > Entry for suspension and service interruption
SR - 201 > Entry of personal character not required
SR - 202 > Verification of Service Book by employees
SR - 203 > Entry for transfer to foreign service
SR - 204 >
SR - 205 >

Group - 6

SR - 206 to SR - 292
These Supplementary Rules are related to various types of leave for the central Govt. employees and have been covered separately as CCS (Leave) Rules, 1972 under the major topic "Leave".
CLICK HERE to view CCS (Leave) Rules, 1972

Group - 7

SR - 293 to SR - 306
These Supplementary Rules are related to various provisions of joining time applicable for the central Govt. employees and have been covered separately as CCS (Joining Time) Rules, 1979 under the major topic "Misc.".
CLICK HERE to view CCS (Joining Time) Rules, 1979

Group - 8

SR - 307 > Interest on overdue f.s. contribution
SR - 307A > TA for joining on foreign service and back

Group - 9

SR - 308 > Delegation of power under FR - 4 & FR - 6
SR - 309 > Presumption of consent of finmin for FR - 7
SR - 310 > Conditions for delegation of power

Group - 10

SR - 311 > Allotment of residence to a post
SR - 312 > Occupation of residence allotted u/SR-311
SR - 313 > Suspension of allotment made u/SR-311
SR - 314 > 
SR - 315 > Exchange of residence allotted u/SR-311
SR - 316 > Occupation during temporary absence
SR - 316A > Occupation after death/retirement
SR - 317 > Applicability of SR - 311 to SR - 316A
SR - 317B > Allotment of Govt. Residences (General
Pool in Delhi) Rules, 1963

Group - 11

SR - 318 > Estimation of present value u/FR-45A
SR - 319 > Expenditure for site preparation u/FR-45A
SR - 320 > Fittings for the purpose of FR-45A
SR - 321 > Std. licence fee of leased accommodation
SR - 322 > Std. l.f of Govt. owned accommodation
SR - 323 > Addition/Alteration of licence fee
SR - 324 > Recalculation of licence fee
SR - 325 > Licence fee for additional services
SR - 326 > Effective date for FR-45A & SR-318 to 325

Group - 12

SR - 327 > Estimation of present value u/FR-45B
SR - 328 > Expenditure for site preparation u/FR-45B
SR - 329 > Fittings for the purpose of FR-45B
SR - 330 > Std. licence fee of leased accommodation
SR - 331 > Std. l.f of Govt. owned accommodation
SR - 332 > Addition/Alteration of licence fee
SR - 333 > Recalculation of licence fee
SR - 334 > Licence fee for additional services
SR - 335 > Effective date for FR-45B & SR-327 to 335

Accounts PBS PLI/RPLI csv file generation error solution

While generating CSV File in Accountant PBS Module it may shows the error instead of generating the file. CEPT Solutions were complied and attached below for easy access.

Click below to download Solution Exl

Will post office banks outlive co-op banks!

The announcement by Prime Minister Narendra Modi of co-locating payment banks along with post offices spread across India has generated animated debates among cooperators as the spread of the huge network of Post offices is sure to threaten the existence of cooperative banks and credit co-ops in the country.

Amul MD Mr R S Sodhi has been appointed to the Board of India Post Payments Bank as an Independent director. India Post has a strong presence of 1.55 lac post offices across the country and it will be a powerful vehicle for financial inclusion in the country.

India Post Payments Banks has started with a corpus of Rs 800 crore. People in rural areas will now be able to bank close to their homes as 1.39 lakh post offices are located in rural areas. The bank is likely to be a great financial tool and the final nail in the coffin of money-lenders’ culture still prevalent in rural areas.

People are wondering if this will inhibit the fledgling small UCBs and credit co-op.

D Krishna former Chief Executive of Nafcub and an expert on urban co-op banks says UCBs have to quickly embrace the cutting edge technologies and have to have a credible road-map to attract youth as customers on a much larger scale if they have to survive the competition.

Post Office Banks as payment banks do hold out much promise and are not a formidable challenge to the existing banks both commercial and Cooperative, Krishna underlined.

The Chief Executive Officer Dr Sukesh Zamwar of Buldana Urban the largest credit co-op in the country says ”in the short term there would be no challenge but as the idea of post payment banks gets going it would indeed be tough for us.

But it would unleash huge opportunities as well in the country and there may be enough for all, he added. I also think after five years or more down the line with post office banks beginning to have impact, the country’s economy may sail in unchartered waters, he underlined.

Meanwhile, credit structures need to spruce themselves up if they want to survive. Being small in size credit coops can take advantage by offering better services to their members, he said.

Dileep Sanghani, the Chairman of Nafscob says if post offices will be converted into payments banks, it will spur other banks to give better services and there would be no loss for the cooperative sector.

When implemented, Post offices will run under the RBI guidance and they will become capable of providing loans to rural areas. It will create a network of banks which will help in transferring benefits to the people, added Sanghani.

Solution for SB scheme transfer error- "Scheme Mismatch - Account can't be transferred" in DOP Finacle

  • In DOP for Savings Account we are having basically 3 types of accounts they are mentioned below for your reference.
SBGEN---- SB general in which we have again with cheque book and without cheque book facility in DOP Finacle.
SBSAN---- SB Sanchaika in which we have again with cheque book and without cheque book facility in DOP Finacle.
SBPEN--- SB Pension accounts in which we have again with cheque book and withoput cheque book facility in DOP Finacle.
  • Sometimes we might opened the Pension account (SBPEN) as General account (SBGEN) in this case most of them will proceed for scheme transfer procedure.
  • In General we use the menu HACXFRSC to do scheme transfer for an account.
  • When we try to transfer the scheme for an SB account from SBGEN to SBPEN then the system will throw the error "Scheme Mismatch - Account can't be transferred" in DOP Finacle.
  • The error screen shot will be as shown in the below figure

From the above screen shot it is clear system is showing the above said error when we are trying to do scheme transfer for SB account from SBGEN to SBPEN.

Root cause of the Problem :- 

In SB we can't do scheme transfer from one product group to another product group i.e., we can't do scheme transfer from General to Pension account or Sanchaika to General etc.,
In our example also we are trying to transfer from General Product to Pension Product which is not possible in DOP hence the system is showing the above error.
The following scheme transfer are not allowed
SBGEN--> SBPEN
SBPEN--->SBGEN
SBSAN--->SBPEN
SBPEN---->SBSAN
SBGEN---->SBSAN
SBSAN----->SBGEN

Solution for the above Problem :- 

  • If any user opened the SB account with wrong product as we have quoted in our example we have opened pension account as general account.
  • In this case scheme transfer is not allowed as discussed above hence only solution to go for opening of new account with pension scheme i.e., SBPE
The valid transfer scenarios are as follows:
Product group SBSGP : SBGEN <--->SBCHQ.
Product group SANPG : SBSAN<--->SBSWC.
Product group SPNGP : SBPEN<--->SBPWC.