Tuesday, February 28, 2017

Refresh Your Knowledge-1 : Value Payable Post

The value payable system is designed to meet the requirements of persons who wish to pay for articles sent to them at the time of receipt of the articles or of the bills or railway receipts relating to them, and also to meet the requirements of traders and others who wish to recover, through the agency of the Post Office the value of article supplied by them.

Value Payable Articles

Registered Parcels, registered letters, registered book packets and newspapers prepaid with postage of newspaper rates of postage and with registration fee may be transmitted by the inland post as value payable postal articles, provided that the amount specified for remittance to the sender in the case of any such postal article does not exceed Rs.5,000/- and provided that such parcels, letters and packets do not contain coupons, tickets, certificates of introduction designed for the sale of goods on what is known as the “Snowball System”.


No such postal article as aforesaid will be accepted at any post office for transmission by post as a value payable postal article unless the sender declares that it is sent in execution of a bona fide order received by him. At any post office notified from time to time in this behalf by the Director General, the sender will in addition be required to declare that the article is one the transmission of which by post as a value payable postal article is permitted. No postal article as aforesaid will be accepted at these offices without such further declaration.
Explanation: An article may be sent by the value payable post even though it possesses no intrinsic value. Thus legal documents, bonds, policies of insurance, promissory note railway goods and parcel receipts, bills of leading or ordinary bills for collection may be sent as value payable postal articles. In the case of a railway receipt of bill of leading sent as a value payable postal article, it will be sufficient for the purposes of this rule if the article to which railway receipt of bill of leading relates has been sent in execution of a bona fide order. In the case of the other documents specified the documents must be sent in execution of a bona fide order to send the document itself.
Post Office from and to which Value Payable Articles may be sent:
  • Value payable postal articles can be posted at any post office that is a money order office (with a few exceptions) for transmission to any other post office that is a money order office.

Manner of Posting

(1) Every postal article intended to be transmitted by post as a value payable postal article must be presented at the post office with the prescribed printed form in which the sender must specify the sum to be remitted to himself full in the required entries (in ink) and sign the declaration required by clause 188. The sender must also write clearly on the face of the article itself:
(a) in the upper left hand corner the letters “VP” followed by an entry in figures and words of the amount for remittance to himself and
(b) in the lower left hand corner – his own name and full address
Note: The sender’s name and address may be indicated by clear impression of a stamp on the value payable articles.
(2) Value payable articles will not be accepted unless the town of payment shown in the value payable money order form is the one where the article has been booked.
(3) A receipt will be given to the person who presents the article.

Booking of Value Payable Articles in Bulk

A procedure similar to that indicated in clause 167 for registered articles is available for the convenience of firms and other institutions posting at least ten uninsured value payable articles daily. No extra charge will be levied for this facility. Enquiries in this regard should be addressed to the local Superintendent of Post Offices.


(1) No article will be accepted at any post office for transmission by post as value payable postal article if it is so small or so covered with writing or sealing wax on the address side or otherwise made up in such a manner as to render it impracticable to affix to the article the prescribed official labels of the Post Office.
Explanation: This rule does not apply to an article which has an address labeled to it, provided that the label is not so small or covered with writing on the address side as to render it impracticable to affix to that side the prescribed official labels of the Post Office.
(2) No article on which the amount specified for recovery from the addressee exceeds ₹​ ​100/- will be accepted at any post office for transmission by post as value payable postal article unless it is insured for at least the sum specified for remittance by the sender.
Explanation: This rule does not apply to value payable letters containing Railway receipts, bills, invoices, documents, etc. of no intrinsic value and to value payable packet containing printed papers, books, etc., sent under book packet rates.
Payment to Sender: When the amount due is recovered from the addressee, the sum for payment, to the sender will be remitted to him by means of money order.

Detention in Office of Delivery and levy of demurrage

(1) If the addressee of a value payable postal article omits to take delivery of it within 7 days following the date of its first presentation or the date of delivery to him or to his accredited agent of an intimation of its arrival, the article will be returned to the sender on the 8th day: Provided that if in the meantime the addressee has applied in writing to the post office for detention of the article for a further period not exceeding seven days beginning with the said 8th day and pays the prescribed fee the article shall not be returned to the sender until the expiration of the further period covered by the application. Any fee so paid shall in no circumstances be refunded.
(2) When a value payable Postal article is returned to the sender under sub clause (1) the sender will be required to pay any charges that may be due on it and to acknowledge receipt of the article by signing the form presented by the postman. In no circumstances will any fee or fees prepaid by the sender be refunded.
Insurance of VP articles: The value declared for insurance need not correspond with the amount specified by the sender for remittance to himself. Thus, in the case of a watch returned after repairs by value-payable post to its owner, the amount to be remitted to the sender of the watch would be only the cost of repairs while the sum insured would represent the value of the watch itself.

Complaints regarding Value Payable Articles

(1) Wherever the sender article addressee of a value payable postal article makes a complaint regarding the delivery of or payment for, the value payable postal article, he will be entitled to have an enquiry made by the post office on paying the prescribed fee. The fee will be paid by means of a postage stamps or stamps affixed to the letter of complaint. This fee will be refunded in cases where the complaint was found to be well grounded.

(2) The complaint will be required to furnish full particulars regarding each value payable article to which the complaint refers and to pay the prescribed fee in respect of each article. No complaint will be attended to unless made within six months of the date of posting of the value payable article. The result of the enquiry will be communicated by letter.

(3) When a complaint is made regarding payment for a V.P. article the V.P. money order will not be produced unless and allegation of fraud or receipt practiced on the sender is put forward, and the V.P. money order will only be available for inspection at the post office at which the Department finds it convenient to permit examination.

(4) If a complaint is made by the addressee immediately after the receipt of a value payable postal article, that it was sent dishonestly or fraudulently the Head of the Circle may if he is satisfied that there are prima facie grounds for believing that the value payable postal article was sent with the intention of defrauding the addressee, withhold the payment to the sender of the money recovered from the addressee. If after making such enquiries as may be necessary, he is fully satisfied that the value payable postal article was sent with this intention he may order the return of the article to the sender and refund to the addressee the sum of money recovered from him on delivery of the value-payable postal article.

Explanation: Impression of a stamping machine made b a competent authority shall be tantamount to affixing stamps of corresponding value.

Responsibility of the Post Office

The Central Government shall not incur any liability in respect of the sum specified for remittance to the sender in respect of a value payable postal article unless and until that sum has been received from for remittance to the sender in respect of a value payable within six months from the date of posting of the article.

Some Snaps of Inauguration of Post Office Passport Seva Kendra at Asansol HPO , West Bengal

Hon'ble Minister , Sri Babul Supriyo , Smt Arundhaty Ghosh , CPMG & Sri Lalitendu Pradhan , PMG.

1st Post Office Passport Seva Kendra in West Bengal

General Post Office says ‘Cheese’

AS Chandrashekar (extreme left) with his friends  S Manjunath
Express News Service | 28th February 2017

BENGALURU: How does a over 160-year-old organisation that delivers letters stay relevant to a generation that is obsessed with emojis? Well, through smileys, says Thimoji Rao, deputy chief postmaster at the General Post Office (GPO) near Vidhana Soudha.

Smile Please

You’ve got to mind your emojis if you want to keep up with the millennials, he says. Under the consumer redressal forum of the central government, all postal offices were directed to introduce customer-friendly initiatives, informs Rao. “That’s how the smiley initiative happened in Bengaluru. We started the project on December 10, wherein the staff at the token counters and the postmen were asked to wear smiley badges while on duty,” he adds.

Smiley stickers were put up on counters of seven postal head offices in Bengaluru including – GPO near Vidhana Soudha, Jalahalli, Rajajinagar, HAL Stage, Basvanagudi, Jayanagar and RT Nagar.

“The idea is to make the postal system more approachable to the general public. We want them to be comfortable with our staff and have a good experience with their visit to our offices,” says Rao.

Conversation Channel Opens

The smiley initiative has also increased interaction prospects between postal department officials and the public. “The Indian postal department has been serving the public for over a century now, but we have always kept to the routine work. Looking up addresses and delivering them. It is only now following the smiley sticker has our interaction with the public improved,” says Manjunath G, postaman at GPO.

The 53-year-old adds that his interactions with the customers have now grown beyond the usual, “Sir/madam, please sign here. They now ask me about the smiley and we have a good talk at times,” he says.

‘Get More Thank yous Now’

Another postman at the GPO, A S Chandrashekar, too cherishes his conversations with the public better now. “I have always delivered letters with a smile, but never received as many smiles back. The smileys have definitely made a difference. Now, everytime I deliver a letter, they ask me about the badge and smile back,” says Chandrashekar.

The 40-year-old postman notes that the response to the badges among the public has been a friendly and positive one. “I get to hear more thank yous in a day than I used to earlier,” he says.

Those who now know of him call him from afar as soon as they see him. “Oh Namaskara! The smiling postman is here,” they scream.

Letters to Postal Dept

Ravi Das, 43, inspector at the customer care counter at the GPO, calls the initiative “an extension of the good service” of the postal department. He informs that the smiley badges are handed out following a systemic curation of an official’s friendly service.

Source : http://www.newindianexpress.com/

Cadre review and rotational transfer 2017- TN Circle

The Cadre Review for Group C TN Circle is at the final stage of Implementation .....Rotational Transfer is to be clubbed with the Restructure of Posts . The Orders are expected within a fortnight so that the RT would also be finalized accordingly....

The Post Of SPM in single and double Handed Post offices would be filled up with Officials Drawing 2800/- Grade Pay in the Pre-revised Pay structure.

Triple Handed and LSG Post Offices will be filled up with Officials drawing 4200/- grade pay in the Pre-revised Pay structure.

The question now is whether these Post would be filled up at Divisional Level or Regional level...???? in the Rotational Transfer.

If DPC would be called for Promotion to 2800/- Grade Pay ie LSG Promotion , there are nearly 2850 Posts which are likely to be marked for 2800/- grade pay. The Process of DPC would take nearly 3 to 6 Months for implementation as we can see how the regular promotion for 10 to 15 officials are ordered at CO Level.

The Cadre Review Report clearly states that the post of SPMs would be upgraded ...but there is no clarification as to whether officials would be provided with Promotion and then posted...

At Present all MACP officials drawing respective grade pay may be asked to be posted in the respective offices upgraded under Cadre Review..

Officials Drawing 2800/- Grade pay would be Posted as SPM in single handed and double handed Post offices on Seniority basis and then Promotion would be ordered based on the DPC recommendations.

Senior Most in 2800/- Grade Pay may be required to officiate in 4200/- grade pay Post depending on the vacant position in the Posts..
The same may be followed in other Posts.
DPC requires Preparation of Seniority lists , Verification of CRs for Last 5 years and Recommendations etc may take much time in regularizing the Posts as per norms...
Some officials may also opt for declination , since they have already been drawing higher grade pay if LSG Promotion is Ordered.
Hence the present Grade Pay / Level in 7th CPC may determine the Posting of official in the new reviewed Post.
Rotational Transfer for Postal Assistants and Post of SPM in Single / double handed Post Offices would be carried out by the Division themselves based on the Number of Posts allocated to the Divisions and Offices identified for the Allocation.
Other like 4200/-, 4600/- 4800/- / Postmaster Grade I , II , III would be filled by CO based on DPC recommendations.
However the Present Postmaster Grade I offices are clearly identified for higher level of management and skills than the requirement of LSG and they have been trained accordingly... The Grade I offices would be eventually placed to 4600/- in view of the present Cadre review of Group C Offices...
Postmaster Grade I offices which were carved out and identified ( Offices Identified for Postmaster Cadre ) will also be placed in the revised offices carrying 4600/- grade pay..
The cadre review of Postmaster cadre will be taken up in light of the same ( Group C Cadre review )

Bigger offices from LSG would also get addtional Posts like Head Clerk / ASPM and Post of Treasury would also be placed under 2800/- grade pay and higher depending upon the existing work structure of the Post.

The Post of Accountants in DO / HO would also be placed in the higher scale..ie LSG or HSG depending upon the status....

The Circle union has also urged the Circle Administration to link the Cadre Review with Rotational Transfer to be implemented before May 31st....

Hence the Cadre Review would bring vibrant change in the official career especially to the new entrants who have ample chances to get promoted within short span of Time.....
The Logic of Higher Pay Higher Responsibility would also be attained in the Implementation...

Lets Hope for a Better Future in the Department.

Acceptance of article with volumetric weight - Directorate Order

No. 10-02/2013-BD & MD

Allowances to the Central Government Employees

The media is debating that the allowances committee headed by Shri Ashok Lavasa Finance Secretary has submitted its report to the Hon’ble Finance Minister Arun Jaitleyji on 22nd or not. Comrades as you aware that this committee period has expired on 22nd February 2017 , the question is that even if it has submitted its report to the Hon’bleFinance Minister Arun Jaitleyji it is confidential document all media creation on the HRA rates are not be believed, the actual truth will be known only after the assembly elections results of five states which will be declared on March 11.
The past experience is that even if the committee decides positively the union cabinet had turn down the recommendations of the committee , hence speculation is not correct , only after the union cabinet approves the recommendations of the committee , the new orders is issued .

The main demands of the CG employees is retention of the rates of HRA and date of effect of allowances should be from 1st January 2016 and revision of rates of Transport allowances, OTA and NDA apart from retention of many of the allowances.

Comrades instead of speculation it would be better we focus on the 16th March 2017 strike, which would put pressure on the Central Government to yield to our charter of demands.
Comradely yours
General Secretary

India Post email IDs having unlimited inbox size will be limited to 100 mb from 01 Mar 17 onwards

This is related to India Post web mail users having Unlimited mailbox size.
As per DoP email implementing agency email Dt. 16 / 20 / 25 Feb 17, the email prior to 01 Jul 16 will be archived and will no longer available in the respective mailbox.

Further, as per DoP email Policy, those India Post email IDs having unlimited inbox size will be limited to 100 mb from 01 Mar 17 onwards.
Now, the biggest question is how to take BACKUP of the old emails.

The following is shared based on my experience, not an official version.

You can backup your mails into Microsoft Outlook Express (OE) by the following 3 options.
01. POP3
02. IMAP
03. MS Exchange.

01. POP3 :

  • It will download the mails only from Inbox not other folders.
  • It will work in Sify network.
  • From 01 Mar 17 onwards, please use POP3 only.

02. IMAP & MS Exchange :

  • It will download all the folders with mails in your email Account.
  • It won't work in Sify network.
  • Don't use after 01 Mar 17.

Wayout 1 : Inbox without any folders :

  • Please configure OE POP3 Account. Can configure in Sify network.
  • Please copy / move all mails in "Sent items or any other folders" into Inbox.
  • Please click on "OE > Sent & Receive" to download Inbox mails into your OE Inbox.
  • Please segregate and move to OE "Sent items or other folders".

Wayout 2 : Inbox with folders :

  • Please configure IMAP or MS Exchange Account. It won't work in Sify network.
  • Please download all your mails with Folders. Pl click on "OE > Sent & Receive"
  • All the folders available in Mail Server will be available in your OE with mails.
  • Please configure POP3 Account also.
  • Please Copy or Move all your Folders with mails from IMAP or MS Exchange Account to POP3 Account.
  • Then from 01 Mar 17 onwards, work in POP3 Account only.

Important : Already if you configured IMAP or MS Exchange Account & working, please remove / disable it before 01 Mar 17. Otherwise if any mail deletion in Mail Sever will automatically be deleted in OE also due to sync.
Other products : Thunderbird, Windows Live Chate, Opera, Zimbra, Mail bird etc.


Gramin Dak Sevaks Committee chairman Sri Kamalesh Chandra has submitted its report to the Secretary, Postal Board on 24th November 2016. Due to the series of agitational programmes of AIGDSU like Dharna’s at all levels the department published the GDS committee report on 19thJanuary 2017. AIGDSU issued indefinite strike notice also demanding early publication of GDS Committee Report.

There is no exaggeration to say that more than 80% suggestions of AIGDSU memorandum has been taken into consideration. The committee has not attempted to analyse the justification of GDS demand for grant of Civil Servant Status of the GDS stating that the matter is presently subjudice and hence left to the out come of the court case.

The committee firmly noted that the future survival of the Postal Department will largely depend on the successful management of the GDS system. If the department neglects the GDS system, it would be difficult for the department to survive.

The main demand of AIGDSU grant of 8 hours work to GDS post offices is diluted. AIGDSU opined that nobody except AIGDSU demand 8 hours work is one of the reasons to dilute this demand. Grant of pension to GDS is also kept into dark. AIGDSU has written a letter to the Secretary, Department of posts on 7-02-2017 alongwith the principle CAT bench, New Delhi judgememt regarding grant of Pension to GDS.

AIGDSU is going to take chapter wise discussions of the recommendations at length in the CWC held at Karur. Tamil Nadu Circle from 26-02-2017 to 27-02-2017. AIGDSU wish to submit a detailed memorandum to the department demanding immediate implementation of the favourable recommendations. AIGDSU would like to suggest necessary modifications and changes.

In case the government refuse to implement or dilute the favouralbe recommendations, there is no doubt that AIGDSU will start serious trade union action including indefinite strike.

It is known fact that the favourable recommendations of the GDS committee is a product of AIGDSU uncompromised struggles. Let all the GDS irrespective of unions unitedly fight and shall not rest till civll servant status to GDS achieved.

Directorate pursued clerical assistance to Sub Divisional Head with DDG(P)

Providing Clerical Assistant to Sub Divisional Head.
Directorate Letter No.10-01/2016-SR

Monday, February 27, 2017

Solar system installation at Aranghata SO in West Bengal

Solar power plant installed at Aranghata Sub Post Office, 741501 in West Bengal.

Sovereign Gold Bonds is Back.! Series-IV For Financial Year : 2016-17

Gold is likely to glitter again for retail investors this March.

Sovereign Gold Bonds Series-IV For Financial Year : 2016-17

The Government of India (GoI), in consultation with the Reserve Bank of India (RBI), has decided to issue sovereign gold bonds Series-IV for 2016-17. 

Applications for the bond issue will be accepted from Monday, February 27, till Friday, March 03, 2017.
The bonds will be issued on March 17, 2017. 
The gold monetisation scheme launched by Prime Minister Narendra Modi way back in November 2015 was aimed to lure tonnes of the precious metal from Indian households into the banking system. 

The scheme is aimed at unlocking 20,000 tonnes of the precious metal lying idle in households and temples, whose worth is estimated at around $800 billion. 

These bonds will carry sovereign guarantee, both on the capital invested and the interest and can be used as collateral for loans.

The sovereign gold bonds will be sold through banks, Stock Holding Corporation of India (SHCIL), designated post offices and the National Stock Exchange of India and the Bombay Stock Exchange, which would allow early exit. 

The issue price of the gold bonds will be Rs 50 per gram less than the nominal value. Global gold prices started 2017 on a positive note with prices rising around 5 per cent since the start of the year on concerns over President Donald Trump’s protectionist policies, rising global uncertainty and US Fed rate hike. 

“Sovereign gold bonds offer a good alternative to take exposure to gold as it offers additional interest. There are no annual recurring expenses compared with gold ETFs (expense ratio in ETF is 1%) and no storage hassles like those involved in physical gold holding,” ICICI Securities said in a note. 

What makes it attractive from a taxation point of view is the fact that in the Union Budget 2016-17, any capital gains arising out of redemption of sovereign gold bonds is tax exempt. 

“If these bonds are sold in the secondary market before maturity, capital gains arising out of such transactions will be taxed at 20% with indexation, if sold on or after three years, or would be subject to marginal tax rate if sold before three years,” said the ICICI Securities note. 

7th CPC Allowance Committee Report Submitted to the Govt or not?

Was the 7th CPC Allowance Committee Report submitted to the government as early as February 22?

A high-level committee, under the chairmanship of Finance Secretary Ashok Lavasa was constituted by the Central Government to review the Seventh Pay Commission’s recommendations regarding the allowances being given to the Central Government employees. According to information, the committee had already submitted its report on February 22.

Irrespective of who possesses the report now – the committee or the government – what is more intriguing is the recommendations that it contains.

One could see that the 7th Pay Commission suggested either rationalization or simplification at many places. An example is the Pay Matrix Table, which has now brought the entire Pay Structure of more than 35 lakh employees under one Table. Although there are some anomalies, the system has dramatically simplified the process of annual increment calculation and also pay fixation on Promotion or MACP.

At present 196 different kinds of allowances are being given to the Central Government employees. Some modifications have been recommended in these too as part of the rationalization and simplification drive. The Seventh Pay Commission has recommended the abolition of 52 allowances. And another 36 allowances have been abolished as separate identities, but subsumed either in an existing allowance or in newly proposed allowances.

The Commission said that the entire range of allowances is administered in broadly four ways. Fully DA indexed Allowances, Partially or Semi DA indexed Allowances, No DA indexation Allowances and Percentage based Allowances. House Rent Allowance is being under the category of Percentage based Allowances. The Commission also said that the compensation towards the housing needs of Central Government employees is covered in many ways. The Commission finally suggested that the percentage based allowances by a factor of 0.8, the Commission recommends that HRA should be rationalized to 24 percent, 16 percent and 8 percent of the Basic Pay for Class X, Y and Z cities respectively.

The big irritation, or rather disappointment to the Central Government employees was the recommendation to reduce the percentage of House Rent Allowance (HRA).

All trade unions have expressed their harsh opposition to the proposed cuts in HRA. The Central Government employees’ Federations also expressed their disappointment through various protest. Finally the Central Government accepted to constitute a high level committee to examine the recommendations of 7th Pay Commission regarding Allowances.

Now, sources claim that the committee has already submitted its report to the government.

The government can announce its final decision on the recommendations of the committee any day. But, many believe that there could be a delay in the announcements due to the state elections that are being held in various parts of the country and the election commission’s guidelines that are being enforced now.

Unconfirmed reports say that the committee has recommended the percentage rates of HRA as per 6th CPC and changes in the method of calculating Transport Allowances also.

The biggest mystery however is – will these recommendations be given retrospective effect and will arrears be given?

Three dates are currently being suggested – January 1, 2016; August 1, 2016; and April 1, 2017.

Only the Central Government has all the answers right now.

7th Pay Commission: Announcement for higher allowances after Assembly election results

New Delhi, February 25: Almost eight months have been passed now and the Central government employees are waiting to receive higher allowances under the 7th Pay Commission recommendations in their paychecks. Some reports suggest that the government is likely to make an announcement on higher allowances after assembly elections results of five states which will be declared on March 11.
In June 2016, the union government approved the recommendations made by the high-powered committee on 7th Pay Commission and promised to pay higher basic pay with arrears, effective from January 1, 2016. But the hike in allowances other than the Dearness Allowances (DA) is yet to materialise.

The recommendations made by the 7th Pay Commission was wrapped up in June 2016, but more than 53 lakh central government employees are not given any assurances, as they are still waiting for payments owed them ie: higher allowances.

Some reports suggest that the delays are because the ‘Committee on Allowances’ headed by Finance Secretary Ashok Lavasa had recommended to abolish 51 allowances and subsuming 37 other allowances out of 196 allowances.

Earlier the Committee on Allowances were initially given a time of four months to submit its report to Finance Minister Arun Jaitley. In October 2016, Ashok Lavasa was quoted by some media organisation saying he was ready with the report.

However the committee was given an extension till February 22, 2017, to submit its report in the backdrop of demonetisation and the government said that the cash crunch was the reason behind the delay in announcing the higher allowances.

Once the Assembly elections are over in five states, the government is likely to clear the nod to revise allowances. Some reports suggest that the revised allowances are expected to be effective from April 1, which marks the beginning of the new financial year.

According to The Sen Times report, which quoted a source said that the report on Committee on Allowances states the current HRA slab is 30 per cent of the basic pay for metros. An announcement on the same is expected soon.

On the other side, the 7th Pay Commission had recommended reducing the house rent allowance (HRA) to 24 per cent of basic pay as against the 30 per cent of basic pay employees were drawing under the 6th Pay Commission.

एटीएम जारी करने का टारगेट बना डाक सहायको के गले की फ़ांस

हाल ही में यह देखने को मिला है कि बहुत से सर्किल में खातो को एटीएम से लिंक करने का टारगेट दिया जा रहा है | एसे में डाक सहायको को बड़ी जदोजहद करनी पड़ रही है कि आखिर कैसे इस टारगेट को पूरा करें ? बहुत से ग्राहक तो एटीएम लेना ही नहीं चाह रहे है क्योंकि वो या तो अनपढ़ है या उनको अंदेशा है कि उनकी कम जागरूकता उनकी बचत में सेंध लगा सकती है | अब बिना ग्राहक कि मर्जी के कैसे उनको एटीएम जारी करें ? लेकिन विभाग के बड़े अफसरों ने प्रत्येक डाकघर को 200-500 की संख्या में टारगेट दिया है | अब टारगेट पूरा करना भी जरुरी | क्योकिं विभाग हमेशा सिर्फ आंकड़ों पर ही विश्वास करता आ रहा है | सभी को अपनी APAR कि चिंता सताती है | अब इस टारगेट को पुरे करने के लिए कैसे नियम और सुरक्षा में सेंधमारी हो रही है आप निचे लिखी सत्य घटनाओं से पता लगा सकते है 
एक डाकघर ने तो टारगेट पूरा करने के लिए ब्रांच ऑफिस के बचत खतों में ही एटीएम जारी कर दिया | नियमानुसार ब्रांच ऑफिस के खातो में एटीएम जारी नहीं हो सकता | हम यहाँ उस डाकघर का मजाक नहीं बना रहे | आखिर जैसे तैसे टारगेट पूरा करके अफसरों को खुश करना उसके लिए प्राथमिकता थी |
एक डाकघर ने बिना एप्लीकेशन लिए ही अपने ऑफिस के एक्टिव बचत खातों में एटीएम जारी कर दिए | आखिर क्यों न करता प्रेशर जो इतना था बेचारे उस पर |
एक डाकघर में बंद खाते में एटीएम जारी कर दिया | अब बताओं बंद खाते में एटीएम कैसे जारी हो सकता है | गलती से खाता संचय पोस्ट में बंद नहीं किया और Finacle में माइग्रेट हो गया | बाद में ऑफिस वालों को अपनी गलती का पता चला | इस स्थिति में ग्राहक तो आया नहीं पोस्ट ऑफिस, आप ने ही बिना एप्लीकेशन लिए उसका एटीएम जारी कर दिया |
बहुत से डाकघर बिना KYC CIF में अपडेट किये एटीएम जारी कर रहे है न तो उनका मोबाइल न. न ही उनका वर्तमान पता सही है | अब उनका Personalized Card "return to sender" हो रहा है | सही है टारगेट का प्रेशर है लेकिन जेन्युइन ग्राहक के साथ तो लापरवाही मत बरतों |
अब एक साथ 200 एटीएम कार्ड जारी हो गए | इसका कार्ड उसको और उसका कार्ड इसको दे दिया और अब रोजाना कंप्लेंट बढ़ रही है कि मेरे खाते से अपने आप पैसे निकल गए कैसे ? इससे विभाग कि छवि मट्टी पलित तो हो गई और तकनिकी पर भी सवाल उठ रहे हैं |
इस लेख लिखने का उद्देश्य हमारा विभाग की छवि को धूमिल करना नहीं है न ही किसी कर्मचारी के कार्यों को चुनौती देना है | विभाग में टारगेट चलते रहते है लेकिन आपको अपना काम नियम और सुरक्षा को ध्यान में रखकर करना है | अब हम बताते है कि कैसे आप इस टारगेट को भी पा सकते है और आपने काम को सही ढंग से निष्पादित कर सकते है | जैसे :-

एटीएम जारी करते समय ग्राहक से आवेदन पत्र के साथ KYC ले और उसे CIF में अपडेट करना न भूले |
ब्रांच ऑफिस के अकाउंट में कभी भूलकर भी एटीएम जारी नहीं करें |
यदि आपके पास एटीएम आवेदन ज्यादा है तो आप उन्हें EOD करने के बाद ही जारी करें | इससे उनमे एक्टिवेशन कि समस्यां नहीं आएगी | क्योंकि इनफ़ोसिस टीम सायं 6 बजे बैच फाइल प्रोसेस करती है जो एटीएम BOD डेट के 6 बजे तक जारी हो जाते है उनको ACTIVATE कर दिया जाता है | इसलिय सही ये ही है कि EOD होने के बाद करेंगे तो वो अगले दिन के बैच में प्रोसेस हो जायेंगे |
एटीएम ग्राहक को देते समय रजिस्टर में हस्ताक्षर जरुर लेवें |
विभाग के अफसर टारगेट जरुर देते है लेकिन आपको ये कभी नहीं कहेंगे कि आप नियम व सुरक्षा से समझोता करों | आप सभी को सलाह है कि नियम व सुरक्षा के साथ काम करें ताकि आप कि नौकरी पर कोई आंच नहीं आये |

A fire today broke out in a godown belonging to a post office

Thiruvananthapuram, Feb 26 A fire today broke out in a godown belonging to a post office near the famous Sree Padmanabhaswamy Temple in Kerala's Thiruvananthapuram. The fire triggered panic in the area, a high-security zone in the city in view of its proximity to the shrine besides being a thickly populated area.
Old bags used by the postal department were stored in the godown. The godown was gutted while two other adjacent godowns suffered extensive damage in the fire, fire department sources said.

However, timely intervention of the fire force prevented a major incident as a petrol station was also located in the vicinity. The fire was stated to have broken out as a result of burning of waste in the area, fire force sources said.
The blaze was noticed at about 3.30 AM by locals who heard some tiles within the godown bursting. They informed the fire force which arrived immediately and brought the flames under control in three hours, the sources said.

"We immediately rushed to the spot on getting information and started fire fighting operations. A total of 15 fire tenders were used to control the fire," a fire official said.

Local residents said they saw flames rising several metres high. The place where the fire broke out is near the north gate of the famed temple.

State Devaswom Minister Kadakampalli Surendran said security measures in the area would be strengthened. He said most of the buildings situated in and around the temple were very old and the electric wiring was also old. People residing in these buildings have to do something about it, he added.

The Sree Padmanabhaswamy Temple is one of the oldest shrines in the state.

Laid of Foundation Stone to Kuzhilithurai Post Office Building ( TN Circle) on 26/02/2017

Laid of Foundation Stone to Kuzhilithurai Post Office Building under Kanyakumari Division, TN Circle on 26/02/2017 by Hon'ble Union Minister of State for Road Transport, Highways & Shipping 

Sunday, February 26, 2017

Sources Confirmed Allowance Committee Report Submitted

One of the NJCA leader, On Condition of Anonymity, told that the committee constituted to examine the allowance has finalized its reports and submitted it to the Government on 22nd February 2017.
On asking whether the NJCA knew the details of the committee report, he said that they were not provided with the committee report. But the committee has informed them that their demand on allowance would be considered favorably.

Hence it is expected the HRA will be retained in old rates (Sixth CPC rates) from the beginning itself and will be paid in 7th CPC Pay Scale when revised allowances come into effect. However, the news of revised allowances would be implemented with effect from 1.4.2017 is not reliable. NJCA will not accept this and clearly said that it should be implemented with effect from 1.1.2016 retrospectively.
X cities- 30%
Y cities- 20%
Z cities- 10%
Transport Allowance may be split into two elements as CCA and TA as it was paid in fifth CPC. The Rates will be delinked from DA and will Fixed in slab rates.

The Government will announce its decision over the committee report after the last phase of state elections ie after 8th March 2017.

India Post Bank is likely to tap World War-era tech to garner business

It is back to basics for India Post Payments Bank (IPPB). It is tapping into World War-era phone-based technology and its vast network of postman to target a customer base of around 850 million, which either have no access to telephony or still depend on feature phones. 

“Banks and payments banks are two different things.Over 90% households have access to bank accounts. So, we are targeting remittances and bill payments,“ said an officer at the bank, which launched operations a month ago, offering 5.5% interest on deposits. 
Unlike full-fledged banks, payments banks can accept deposits up to Rs 1lakh and have to mandatorily park 75% of funds in government bonds.They are not allowed to offer loans either. 

With its network of over 1.5 post offices, IPPB is seen to be a major competitor for banks, especially in rural areas and small towns. The bank, floated by India Post, is running behind schedule as it is yet to tie up with a technology vendor for its banking services. But it is still targeting 2 crore customers in the first year with business of around Rs 450 crore.By the fifth year, the bank hopes to have eight crore customers with a business of Rs 2,500 crore. 

A key focus area for IPPB is one billion bills that are paid every month, with the average ticket size being Rs 300. This is where Giro -an electronic fund transfer tool used in Europe and Japan -will come in handy . Apart from helping customers settle bills, a worker in a city can add his wife or mother as a beneficiary and transfer funds into their accounts by issuing instructions to a call centre. The wife or the mother will then use Aadhaar based authentication to withdraw funds either at a post office or ask a postman to deliver cash at home, for which a small fee may be levied. 

IPPB is also in talks with the rural development ministry for accessing details of NREGA beneficiaries and pensioners getting funds under the National Social Assistance Programme.Again, idea is to make the payments Aadhaar-based to minimise leakages.

Source:-The Economic Times

Central Government Issues Notification On Associate Banks and Merger With SBI - AIBEA

Government issues Gazette Notification On closure of Associate Banks and Merger with SBI w.e.f. 1st April, 2017.
CIRCULAR No. 28/5/2017/5 

Dear Comrades,
Government issues Gazette Notification
On closure of Associate Banks and
Merger with SBI w.e.f. 1st April, 2017.
Protecting our members in the Associate Banks – need of the hour
Clarion call from AIBEA’s All India SBI Emp. Association

Our units and members are aware of our prolonged and principled opposition to the process of consolidation and merger of Associate Banks with SBI. There have been innumerable struggles and strike actions on this issue in the last more than a decade. Especially, when there were attempts to close the remaining 5 Associate Banks for merger with SBI, there have been very intensified agitations and progrmames. Our units and members in the Associate Banks have also led many struggles including number of strike actions.
There have been nationwide campaign on this issue because the move to close down the Associate Banks was totally unwarranted, rather there was a genuine need to delink these Banks from SBI and make them autonomous. For a long time, these Banks have been subjugated to the total whims of SBI and hence the real growth of the Associate Banks was in fact thwarted. Many Banks which were smaller in size than these Associate Bank have grown much bigger now. But our demand for delinking Associate Banks from SBI was deliberately ignored and played down by the successive Governments.

However, in the name of Banking sector reforms, privatisation and consolidation have continued to be their agenda and as a part of it, the Associate Banks have been their target. Making SBI a global player has been their fanciful idea notwithstanding the fact that it is neither prudent nor required for Indian situation. Ignoring all our viewpoints, opposition of various political parties, etc. the Government has gone ahead with their decision and after giving final Cabinet clearance few days ago, have now notified the merger with SBI w.e.f. 1st April, 2017.

With this development and reality, the need has now arisen to take all efforts to protect the interests of our membership in the Associate Banks. AIBEA’s union in SBI: Our units are aware that already we have our union in SBI viz. ALL INDIA STATE BANK OF INDIA EMPLOYEES ASSOCIATION.

It has been decided that all our units and members in SBT, SBM, SBBJ, SBH and SBP will be affiliated to this union and thus we will have a stronger AISBIEA with nearly 50,000 members all over the country under the banner of AIBEA. It will be the biggest bankwise Union under the banner of AIBEA.

AISBIEA is shortly meeting to decide on all further steps to consolidate our organisation in the changed scenario after the merger with SBI and to take all steps to protect the interests of our members in the Associate Banks so that no injustice will be done to our members in any manner consequent to the merger.
With greetings,
Yours comradely,

Kind attention Chennai City Region PMs - Regional Meet

 Kind attention Chennai City Region PMs - Regional level AIAPS meet on 12.03.2017(sunday)!!!
You are all well aware of our AIAPS union achievements and settled all the pending subjects of supervisory cadre. AIAPS turned out to be a fully functioning Union in Tamilnadu and getting all the due rights from divisional to circle level

In this juncture to enrol the left out the PMs in 2016 campaign, two regional level meetings were planned at Chennai City Region and Western Regions.

March 12th (Sunday) AIAPS chennai city regional level meeting will be held at triplicane post office at 0930hrs to enrol the left out PMs of CCR PMs in our AIAPS association.

Office bearers will be elected on the same day for the divisions which are not already having divisional body at CCR.

All Postmaster Grade officials and LSG line officials are cordially invited.

This year 2017-18, along with LSG line officials, All the PM Grade officials may kindly be united in AIAPS to achieve many more success like 2016-17.

Western regional level meeting will be held on 02.04.17 and venue will be announced shortly.

National Pension System (NPS) - Detailed Procedure

National Pension System (NPS) (previously called New Pension Scheme) was introduced with effect from 01.01.2004 replacing the earlier system of defined pension under CCS (Pension) Rules, 1972. Those central government employees appointed on after this date will be covered under the new scheme. Under the earlier system, assured pension and other benefits, based on the last pay drawn was available to be employees. In the NPS, 10% of the basic pay plus DA will be recovered from the salary of employees towards employees’ contribution. Equal amount will be contributed by Government as employer’s contribution. Both the contributions will be invested each month by the funds managers appointed by Pension Fund Regulatory Authority (PFRDA) against the distinctive PRAN (Permanent Retirement Account) in the name of the subscriber. Presently, the fund is managed by M/s National Security Depository Ltd. (NSDL), Mumbai. The funds are being invested with M/s LIC, SBI Life Insurance and UTI Mutual Fund. The PFRDA or the fund managers do not offer any fixed income on investment or any assured minimum pensionary benefits on exit from NPS.
Immediately on joining service, the subscribers are required to apply for allotment of PRAN. Recovery towards NPS will begin with the next month followed by the date of appointment. If PRAN is not allotted by then, their contributions will not be uploaded to the fund managers and kept as “un-posted” with the PAO concerned. Any income on the contributions will be available only on investment with the fund managers. Therefore, it is important to submit the application for allotment of PRAN along with the requisite documents to be submitted at the time of joining service.


Common application form (CSRF 1) is to be used for both departmental NPS subscribers and GDS (SDBS) subscribers. Those who are promoted to departmental service from GDS are required to submit afresh for allotment of PRAN under NPS, since the PRAN allotted to them under SDBS is distinctive and different from the NPS for departmental staff. However, those who were earlier in service in other departments/organizations where NPS was applicable and PRAN earlier allotted need not apply for PRAN again. The PRAN allotted to them earlier can be shifted to the new department where they are working now, together with the balance amount resting with the PRAN. For this purpose, they may apply to the PAO through the DDO concerned immediately on joining the new establishment.

The DDOs concerned (HPOs/HROs etc for NPS and Divl. Heads (NLCC) for SDBS) should forward the applications to the PAO (Postal Accounts Office) together with covering letter in Annexure S-5 form. The PAO will process and forward the applications to the agency concerned for onward transmission to M/s NSDL.

The following points may be kept in mind while processing the CSRF.1 applications:

Applications incomplete in any respect and/or not accompanied by the required documents are liable to be rejected. The application is also liable to be rejected if the mandatory fields are left blank or the application form is printed back to back.

a) Black ink only should be used for filling up and authorizing the application.
b) Recent colour photograph of 3.5 X 2.5 cm size (Passport size) is to be affixed at the column provided. Signature or any other marks should not be made on the photograph.
c) Appropriate column should be ticked to earmark the sector to which the subscriber belongs.
d) Full name of the subscriber is to be given as first name. Initials may be given as middle name / last name, as the case may be.
e) Date of birth should be matching with the entry in the service book. Proof of date of birth is to be provided.
f) Address provided in the application form should match with the address provided in the address proof.
g) Providing Mobile no./e-mail ID is desirable, since monthly credit updation details and periodical informative alerts are provided vide SMS/e-mail etc.
h) Subscriber’s bank details to be provided against item no.7. Bank account with IFSC/MICR details is desirable, since all the future transactions are to be made only electronically.
i) If there is only one nominee, item no.8 may be filled up. If there are more than one nominee, Annexure III to CSRF 1 may be used. If the nominee is minor, his/her date of birth and details of guardian (other than the subscriber himself) to be provided. Percentage share applicable to each nominee in round figure (fraction not allowed) to be mentioned against each nominee. Total percentage of all the nominees altogether should be 100.
j) Filling up of item no.10 is not mandatory. If the same is not filled up, default scheme for allocation of funds will be adopted by M/s NSDL.
k) Signature or thump impression of the subscriber should be affixed well within the column provided at the bottom of page 2. This will be digitalized and referred while processing all future applications submitted by the subscriber.
l) The DDO/NLCC concerned should fill up the service particulars at page 3 of the form (in black ink only) and affix his signature, name and rubber stamp at the appropriate columns provided at the left side of the top column (For Govt. sector). In the case of NPS Lite/Swavalamban subscribers, NLCC need not provide the certification on this page. This will be done by the PAO (NLAO). However, If Annexure III to CSRF 1 is submitted (For multiple nomination), the DDO/NLCC should provide the necessary certification at page 2 of Annexure III.
m) Annexure 1 to CSRF 1 is to be provided only if the subscriber wishes to opt for Tier II. (If he wishes to open a Tier II account, contributing additional subscription other than the mandatory subscription).
n) Annexure II to CSRF 1 is to be filled up only if the subscriber wishes to provide the additional details mentioned therein.

Following are the KYC documents to be submitted:

A) Date of Birth proof: Birth Certificate, School certificate, Aadhar, Election ID, Driving License, Passport, PAN card etc. wherein the DOB is provided.
B) ID Proof: Aadhar, Election ID, Driving license, PAN card, Bank pass book, Ration card etc. with photograph of the subscriber. (Copy of ration card will not be accepted if it is in vernacular only).
C) Address Proof: Any of the documents mentioned at B above which provides the address of the subscriber matching with the address provided in the application.
D) Bank account Proof: A cancelled cheque or attested copy of the pass book or banker’s certificate in original containing name of the subscriber, bank account number, bank’s name, branch name, address, PIN code, IFSC and MICR codes.

Copies of KYC documents submitted by the subscribers (to prove date of birth, ID, address and bank account particulars) should be self-attested by the subscriber and counter attested by the DDO/NLCC with the remarks “verified with the original” 


After allotment of PRAN, there may be certain mistakes in the subscriber details such as name, father’s name, date of birth, bank account details, nomination, photo, signature etc. Immediately on receipt of PRAN, the subscribers has to verify and confirm the correctness of date printed on the card. They may also login to the web-site www. npscan-cra.com using their user ID (PRAN No.) and I-Pin received with the PRAN kit to verify the subscriber details. In case any correction or future modification is required, an application in Annexure S-2 is to be submitted through the DDO/NLCC concerned. While filling up this form the columns wherein corrections/modifications are required only need to be filled up. PRAN number should invariably be provided in the specified column on first page. If date of birth is to be modified, proof of date of birth, duly certified by the DDO/NLCC that the revised DOB is in accordance with the entries in the service book, is to be provided. For change in name, address, bank account details, etc., proof for then same is required to be provided. The DDO/NLCC has to certify the application on the left side of top-most portion on the first page. If re-issue/re-print of PRAN is required, this has to be specifically mentioned in the specified column on the last page of the application.

If correction/modification in signature or photograph of the subscriber is required, a separate form (Annexure S-7) is to be submitted. This has to be forwarded by the DDO/NLCC to the PAO together with a covering letter in Annexure S-8.


When a subscriber is transferred from one department to another, central government to state government and vice versa, government sector to public sector and vice versa, from one circle to another circle within the department etc., his/her PRAN can be shifted to the new unit together with the accumulated balance amount, if the employment under the new unit is covered under NPS. For this purpose, the subscriber has to submit a written application to his new DDO. The maker of the new DDO can capture the subscriber shifting request on-line and upon authorization by the checker, the PRAN will be shifted to the new unit on the very next day. It is not necessary to apply for new PRAN in such cases. However, GDS employees who are covered under SDBS have to apply afresh for allotment of PRAN under NPS, since the SDBS scheme is distinctively different from the NPS for departmental employees. They may submit an application in Form SDBS-1 for transfer of their accumulated wealth in SDBS to the newly allotted NPS PRAN.


Subscribers may exit from NPS due to the following reasons:
01. Superannuation.
02. Pre-mature exit (due to resignation, voluntary/compulsory retirement etc.)
03. Death while in service.
04. Subscribers who were later brought under the purview of CCS (Pen) Rules.
05. Partial withdrawal.

On superannuation, withdrawal application is to be submitted in Form 101-GS. For pre-mature exit (resignation, voluntary/compulsory retirement etc.), Form 102-GP is to be used. Death claims (Death while in service) are to be submitted in Form 103-GD.

In case of superannuation, subscriptions towards NPS should be stopped 3 months prior to the date of superannuation.

The following documents are to be submitted with the application.

01. Original PRAN card. (If the same is lost or not traceable, a declaration by the subscriber mentioning the circumstances of loss and with an assurance to submit the same if and when traced out subsequently, duly countersigned by the DDO to be submitted).
02. ID/Address proof: Photocopy of any of the following documents with name, photograph and address matching with the address provided in the application, duly attested by the DDO – Aadhar, Election ID, Driving licence, Passport, ID card issued by State/Central Govt., Bank pass book etc.
03. Bank account proof: Cancelled cheque with name of the subscriber printed on it or copy of the bank pass book or certificate in original issued by the bank manager. The following information should be available in the bank account proof – Name of the Subscriber, Name of Bank, Branch, Branch address, PIN Code, Account number and IFSC Code.
04. In case of pre-mature exit, copy of the orders of competent authority allowing such exit.
05. In death claim cases, (if withdrawal from NPS is opted), separate application to be submitted by each nominee. Original or attested copy of death certificate is to be submitted. If nomination does not exist, Legal Heirship Certificate/ Succession Certificate / Letter of Administration as the case may be to be produced, depending upon the amount involved.

In cases of death of subscriber while in service, the nominees/family members have option to avail family pension and death gratuity from Govt., surrendering 100% of the NPS wealth to the Govt. For this purpose, they have to submit the applications for family pension, gratuity etc. in the prescribed forms (under CCS (Pen) Rules) to the Divisional Head concerned. Request-cum-undertaking for surrendering the NPS wealth in Annexure A and Annexure II has to be submitted by the nominees/family members (As per the nominations registered with M/s NSDL) and Annexure I by the DDO also to be submitted with such application.

Application is to be filled up in black ink in capital letters. Application form is not to be printed back to back. Passport size colour photograph of the applicant is to be affixed at the specified column on the first page of application and self-attested by him/her. Name of the subscriber is to be entered in the application exactly as provided in the PRAN card. Signature of the subscriber affixed in the application should match with the signature in the PRAN card. It is desirable to provide Mobile number, e-mail ID etc. for updating the status of application at various stages.

Percentage of lump-sum amount of withdrawal and percentage of amount to be invested for purchase of annuity are to be mentioned under Section B on page-2

As per the existing rules relating to withdrawal of NPS wealth on superannuation/resignation/death of subscribers, the lump-sum amount which can be withdrawn is as follows:
a) Superannuation: Up to 60% of the total NPS wealth. If the total NPS wealth as on the date of retirement is less than or equal to Rs.2 lakhs, the subscriber has an option to withdraw 100% of the NPS wealth.
b) Resignation: Up to 20% of the total NPS wealth. If the total NPS wealth as on the date of resignation is less than or equal to Rs.1 lakh, the subscriber has an option to withdraw 100% of the NPS wealth.
c) Death: Up to 20% of the total NPS wealth. The nominees/family members have an option to withdraw 100% of the NPS wealth, if the same is less than or equal to Rs.2 lakh as on the date of death. 

If 100% withdrawal is opted, a request-cum-undertaking for this purpose in the prescribed form (separate forms for Superannuation/Premature exit/death cases) is to be submitted. Annuity or any other benefit under NPS will not be admissible in such cases.

After withdrawal of the NPS wealth up to 20% or 60% as above, the remaining NPS wealth not less than 80% or 40% as the case may be has to be invested with the Annuity Service Providers (ASPs) empanelled by PFRDA/NSDL for the purpose of providing annuity to the subscribers/nominees/family members. After transfer of the withdrawal amount (up to 20% or 60% as the case may be) the subscribers have to approach the ASPs or M/s NSDL Mumbai directly for submitting the required application form for investment of the amount with the ASP concerned. However, at the time of submitting the application form for withdrawal of NPS wealth (Form.101-GS/102-GP/103GD) on retirement/resignation/death, the subscribers/nominees/family members have to choose the name of ASP and the name of scheme offered by the ASPs in the relevant column of the application form itself.

At present, the empanelled ASPs are the following:

1. SBI Life Insurance Co. Ltd. (ASP Code-ASP001)
2. Life Insurance Corporation of India. (ASP Code-ASP004)
3. ICICI Life Insurance Co. Ltd. (ASP Code- ASP003)
4. HDFC Life Insurance Co. Ltd. (ASP Code-ASP002)

These ASPs offer 4 different types of annuity schemes to the annuitants to choose from:

a. Annuity payable for life to the annuitant.
(Scheme Code: SBI-AS001001/LIC-AS004001/ICICI-AS003001/HDFC-AS002001)
b. Annuity payable for life with return of purchase price on death of annuitant.
(Scheme Code: SBI-AS001002/LIC-AS004002/ICICI-AS003002/HDFC-AS002002)
c. Annuity payable for life with a provision of 100% of the annuity payable to the nominee during his/her life time on the death of the annuitant.
(Scheme Code: SBI-AS001003/LIC-AS004003/ICICI-AS003003/HDFC-AS002003)
d. Annuity payable for life with a provision of 100% of the annuity payable to the nominee during his/her life time on the death of annuitant. The purchase price will be returned on the death of last survivor nominee.
(Scheme Code: SBI-AS001004/LIC-AS004004/ICICI-AS003004/HDFC-AS002004)

The rates of monthly annuity payable for each Rs.10,000/- invested with different ASPs are available in the Table of Annuity Schemes. 

* As per the guidelines issued by M/s NSDL regarding purchase of annuity, M/s SBI Life Insurance Co. Ltd does not accept applications for purchase of annuity if the amount for purchase of annuity is less than Rs. 2 Lakh and M/s LIC of India does not accept the same if the amount for purchase of annuity is less than Rs. 1 Lakh. (after lump-sum withdrawal of maximum 60% / 20% of the total NPS wealth). 

Bank account details matching with the proof submitted, to be provided under Section C. Particulars of nominees to be furnished on page-4, which should be signed by the subscriber/applicant as well as by 2 witnesses. If there are more than one nominee (maximum 3), Form 401-AN to be submitted, instead of providing the nomination on page-4. If Form 401-AN is submitted, the same also is to be certified by the DDO in the specified columns.

If the nominee is the spouse of subscriber (wife/husband) his/her date of birth also is to be provided.

Aadhar number and/or income tax PAN number of the claimant/s are also required to be provided. 

The DDO has to furnish a certificate on page-5 providing name of subscriber, date of retirement as per Govt. records, DDO code, designation and office name of the DDO etc. Signature and office seal of the DDO to be affixed at the appropriate columns specified for the purpose.

The subscriber has to submit an advanced stamped receipt on page-5. The amount need not be mentioned in the receipt, since the value of NPS wealth may vary as on the date of withdrawal.

The page numbers mentioned above are applicable to Form 101-GS. For the other forms the page numbers may vary.


Certain subscribers covered under NPS were subsequently brought under CCS (Pen) Rules on account of implementation of court orders, counting of training period and temporary status casual labour service etc. In such cases, the NPS contributions made by those subscribers (Employees’ contributions) and accumulated returns thereon has to be refunded to them. For this purpose, the subscriber has to submit an application in Form NPS-EWC through the DDO concerned. Original PRAN card and copy of the orders of competent authority bringing the subscriber under the purview of CCS (Pen) Rules are to be submitted along with the application. In cases of those who are still in service, such amount will be credited to their GPF account. Those who are not in service (on account of superannuation, resignation, death etc.), sanction for payment of the amount through the DDO concerned will be issued by DA(P).


Partial withdrawal from NPS has been introduced vide Regulation 8 of the PFRDA (Exit and withdrawal from NPS) Regulations 2015, subject to the following terms and conditions:

(A) Purpose: A subscriber on the date of submission of the withdrawal form, shall be permitted to withdraw not exceeding 25% of the contributions made by him to his individual pension account, for any of the following purposes only:-

a) For higher education of his or her children including legally adopted child.
b) For marriage of his or her children, including legally adopted child.
c) For the purchase or construction of a residential house or flat in his or her own name or in a joint name with his or her legally wedded spouse. In case the subscriber already owns either individually or in the joint name a residential house or flat, other than ancestral property, no withdrawal under these regulations shall be permitted.
d) For treatment of specified illnesses: If the subscriber, his legally wedded spouse, children including a legally adopted child or dependent parents suffer from any of specified illnesses, which shall comprise of hospitalization and treatment in respect of the following diseases:

i. Cancer ii. Kidney failure (End Stage Renal Failure) iii. Primary Pulmonary Arterial Hypertension iv. Multiple sclerosis v. Major Organ Transplant vi. Coronary Artery Bypass Graft vii. Aorta Graft Surgery viii. Heart Valve Surgery ix. Stroke x. Myocardial Infraction xi. Coma xii. Paralysis xiii. Paralysis xiv. Accident of serious/life threatening nature xv. Any other critical illness of a life threatening nature as stipulated in the circulars, guidelines or notifications issued by the Authority from time to time.

(B) Limits: The permitted withdrawal shall be allowed only if the following eligibility criteria and limit for availing the benefit are complied with by the subscriber:

(a) The subscriber shall have been in the NPS at least for a period of last ten years from the date of his or her joining. In case the subscriber is mandatorily covered under NPS the period of 10 years for partial withdrawal will be considered from the date of applicability of NPS for such subscribers. However, in case of inter-sector/intra-sector shifting of subscriber previous tenure in NPS will also be considered.

(b) Frequency: The subscriber shall be allowed to withdraw only a maximum of 3 times during the entire tenure of subscription under the NPS and not less than a period of 5 years shall have elapsed from the last date of each of such withdrawal. The mandatory requirement of 5 years shall not apply in case of treatment for specified illness or in case of withdrawal arising out of exit from NPS or death of subscriber. For subsequent withdrawal only the incremental contributions made by the subscriber after the first/next subsequent withdrawal as the case may be will be considered.

M/s NSDL, Mumbai has incorporated necessary modules in their web-site for on-line processing the partial withdrawal applications. The subscribers are required to apply in Form 601-PW together with necessary documentary proof to establish the purpose of withdrawal and bank account proof, ID/address proof etc., duly attested by the DDO. The DDO concerned may forward the application to the PAO with due certification in the specified columns. The PAOs will upload the withdrawal request on-line and on approval, the withdrawal amount will be transferred to the designated bank account of the subscriber electronically by M/s NSDL.

(Complied by: M. P. Vijayan, Circle Secretary, Postal Accounts Employees Association, Kerala)

7th Pay Commission latest news: Gratuity limit doubled from Rs 10 lakh to Rs 20 Lakh

New Delhi: In a good news for government employees of organised sector, the central government has decided to increased the gratuity limit to Rs. 20 lakh from Rs. 10 lakh, on the recommendation of 7th pay commission panel.
The decision came after a meeting between the labour ministry and representatives from states, employees and employers which took place on Thursday. “All the stakeholders—states, Centre, unions and the industry representatives were on the same page to enhance the gratuity ceiling from Rs10 lakh to Rs20 lakh,” a labour ministry spokesperson said after the meeting.
The unions demanded the removal of conditions asking to have at least 10 employees in an establishment and minimum five years of service for payment of gratuity. Business portal NDTV profit quoted Manoj Nagpal, CEO of Outlook Asia Capital, saying it is not advisable to put money entirely into debt as, “chances are that one might run out of his/her corpus.” He added, “They have to plan for next 20-25 years as the life expectancy has increased significantly. It is advisable that a person puts at least 20-25 per cent in equities.”

“While accepting the maximum payment limit of Rs 20 lakh as an interim measure, the unions demanded that the ceilings/ limit with respect to number of employees and years of service should be removed,” the All India Trade Union Congress (AITUC) said in a statement. “The central trade unions have been urging the government that the ceiling in the amount of gratuity should be removed,” the statement further read.

At present, as per the Payment of Gratuity Act, an employee is required to do a minimum service of five years to become eligible for gratuity amount. Moreover, the Act applies to those establishments where the number of employees is not less than 10.The statement said the application of amended provision regarding maximum amount should be made effective from January 1, 2016 as done in the case of central government employees.