Wednesday, March 08, 2017

सिर्फ कैश ट्रांजेक्शन ही नहीं कई फ्री सेवाओं पर लगाई जा चुकी है फीस


क्या आप जानते हैं कि एचडीएफसी (HDFC), आईसीआईसीआई (ICICI), एक्सिस और एसबीआई (SBI) जैसे बैंकों ने अपने खाताधारकों के लिए न सिर्फ कैश ट्रांजेक्शन (नकद निकासी, जिसमें कैश जमा करना और निकालना दोनों शामिल हैं) को लेकर नए नियम बनाए हैं बल्कि कुछ और चार्ज भी लगाए हैं? जी हां. कहा जा रहा है कि नकदी के इस्तेमाल को हतोत्साहित करने के लिए बैंकों द्वारा ऐसी पहल की जा रही हैं. आपको एक बार फिर से बता दें कि तय सीमा से अधिक बार कैश ट्रांजेक्शन करने पर आपको अतिरिक्त फीस देनी होगी.
देश के सबसे बड़े बैंक भारतीय स्टेट बैंक (एसबीआई) ने ग्राहकों के लिए खातों में न्यूनतम बैलेंस बनाए रखने को अनिवार्य बनाते हुए कहा है कि ऐसा न करने वालों पर 1 अप्रैल से पेनल्टी लगाई जाएगी. महानगरीय इलाकों में खातों के लिए न्यूनतम 5,000 रुपये, शहरी क्षेत्रों में 3,000, अर्ध शहरी क्षेत्रों में 2,000 तथा ग्रामीण इलाकों में 1,000 रुपये न्यूनतम बैलेंस रखना जरूरी कर दिया गया है. हालांकि बैंकों द्वारा ट्रांजेक्शन शुल्क वसूलने के बढ़ते विरोध के बीच सरकार हरकत में आई है. और यदि सूत्रों की मानें तो सरकार ने बैंकों से ट्रांजेक्शन शुल्क वसूलने के फैसले की समीक्षा करने का आग्रह किया है. यदि आपके सेविंग अकाउंट में 25 हजार रुपये से कम रकम है तो हर तीसरे माह में 15 रुपये SMS चार्ज के रूप में भी वसूले जाएंगे पर लेकिन बैंक 1,000 रुपये तक के यूपीआई/यूएसएसडी ट्रांजेंक्शन्स पर कोई चार्ज नहीं वसूलेगा. इसके अलावा, भारतीय स्टेट बैंक (एसबीआई) से खातों में न्यूनतम बैलेंस न होने पर पेनल्टी लगाने के फैसले को वापस लेने का आग्रह किया है. एसबीआई 1 अप्रैल से अपने सेविंग बैंक अकांउट ग्राहकों को महीने में सिर्फ 3 बार कैश फ्री में जमा करने की अनुमति देगा. इसके बाद हर बार सर्विस टैक्स के साथ 50 रुपये का चार्ज लगेगा. एक माह में दूसरे बैंक के एटीएम से तीन बार से ज्यादा कैश निकालने पर 20 रुपये की फीस देनी होगी. वहीं अगर ग्राहक एसबीआई के एटीएम से पांच से ज्यादा ट्रांजेक्शन करता है तो हर बार 10 रुपये का शुल्क लिया जाएगा.

अब यदि प्राइवेट सेक्टर के बड़े बैंक एचडीएफसी की बात करें तो इससे 4 बार से अधिक कैश निकालने पर 150 रुपये फीस चुकानी होगी. साथ ही यदि बैंक की होम ब्रांच से जमा निकासी कर रहे हैं तो भी दो लाख रुपये तक ही फ्री होगा इस के बाद कम से कम 150 रुपये या पांच रुपये प्रति 1000 रुपये पर पे करना होगा. वैसे नॉन-होम ब्रांच में फ्री लेन-देन 25,000 रुपये है. इसके ऊपर कस्टमर्स को न्यूनतम 150 रुपए या पांच रुपये प्रति 1000 रुपये की पेमेंट करनी होगी.

वहीं, आईसीआईसीआई बैंक की ओर से बदले नियम के मुताबिक, एक महीने में 4 लेन-देन के लिए कोई फीस नहीं है मगर इसके बाद प्रति 1,000 रुपये पर 5 रुपये की फीस लगेगी. थर्ड पार्टी ट्रांजेंक्शन के मामले में सीमा 50,000 रुपये प्रतिदिन की होगी. नॉन होम ब्रांच में एक महीने में पहली नकद निकासी के लिए कोई शुल्क नहीं लेगा लेकिन उसके बाद प्रति 1,000 रुपये पर 5 रुपये का शुल्क लेगा।

एक्सिस बैंक की बात करें तो नॉन-होम ब्रांच के 5 ट्रांजेंक्शन जहां बैंक ने फ्री रखे हैं. इसके अलावा, वैसे तो ग्राहकों को हर महीने 5 ट्रांजेक्शन फ्री दिए गए हैं लेकिन इसके बाद छठे लेन-देन पर भारी फीस वसूली जाएगी. कम से कम 95 रुपये प्रति लेन-देन की दर से चार्ज लगाया जाएगा. वहीं, महत्वपूर्ण बात यह है कि एक्सिस बैंक ने एक दिन में कैश जमा करने की सीमा 50,000 रुपये ही तय की है. इससे अधिक रुपया यदि आप जमा करते हैं तो प्रति 1000 रुपये पर 2.50 रुपये की दर से या प्रति ट्रांजेक्शन 95 रुपये, में जो भी ज्यादा होगा, चार्ज लिया जाएगा

Last Date Extended to 31.3.2017 for Submission of Digital Life Certificate

Last date of submission of Digital Life Certificate through Jeevan Pramaan Patra extended upto 31st March 2017
EPF & MP Act, 1952 made applicable to all staff employed in ECHS on contractual basis
A single page composite claim form in death cases replaces Form 20, form 5-IF and Form 10-D

Noticing that many pensioners are yet to submit Aadhaar authenticated Jeevan Pramaan as life certificate for continuation of drawal of pension, the EPFO has further extended the last date of submission of Digital Life Certificate through Jeevan Pramaan Patra upto 31st March 2017. Earlier the last date was 28th February 2017.
Members and pensioners of the Employees’ Pension Scheme, 1995 are required to furnish Aadhaar number by 31st March 2017. In case a member has not been allotted Aadhaar Number, a copy of Aadhaar Enrolment ID slip is required to be attached for settlement of claim under EPS, 1995, namely for pension processing and monthly pension payments. Aadhaar number however is not required in case a member of pension scheme having less than 10 years of service chooses to withdraw by making an application in Form 10-C.

An Employee Enrolment Campaign-2017, started by EPFO on January 1st 2017 to cover left out workers, continues upto 31st March 2017. Under the scheme:-
  • The employee’s share of contributions if not deducted by the employer is waived.
  • Nominal damages to be paid by the employer, in respect of the employees for whom declaration has been made under this campaign, is at the rate of Rupee One per annum.
  • Administrative charges have been waived.
Even though the EPF & MP Act, 1952 does not differentiate between casual, contractual and regular employees, it was noted that a large number of contractual employees hired by principal employer including those by the government departments, PSU and autonomous Organizations have remained out of coverage under EPFO. It is the duty of the principal employer to ensure compliance of their outsourced / regular / contract / casual / daily wager to the schemes under EPF Act.

To ensure coverage of workers, principal employers have been advised to ensure that their contractors are registered with EPFO before award of any contract or making any payments. EPFO provides relevant information in this regard to principal employers online.

A health care scheme called ECHS was formulated by Ministry of Defence for its ex-servicemen. The contractual workers of ECHS till now were deprived of the social security benefits under EPFO. The ECHS now has been brought under the ambit of the EPF Act. Ministry of Defence has issued necessary directions to the ECHS for enrolling their contractual staff. Similarly, all eligible workers engaged by contractors working with Military Engineering Services (MES) and Indian Railways have also being requested to ensure coverage of contractual employees under EPFO.

Towards continuous strive to bring increased conveniences and efficiency, a single page Composite Claim Form (Aadhar) replaces Forms No. 19 (UAN), 10C (UAN) & 31(UAN) for subscribers seeding their Aadhar number with UAN. This can be submitted without the attestation of employers. For subscribers who are yet to seed Aadhaar and Bank details with their UAN, a new Composite Claim Form (Non-Aadhar) replaces the existing Forms No. 19, 10C & 31.

In addition, a Composite Claim Form in death cases replaces the existing Forms No, 20, 5-IF and 10-D. The claimants can apply for claim of Provident Fund, Insurance Fund and monthly pension through this single page composite claim form in case of death of a member.
Source: PIB News

7वां वेतन आयोग : HRA पर बातचीत पूरी, 11 मार्च बाद कभी भी एलान |

7वां वेतन आयोग : HRA पर बातचीत पूरी, 11 मार्च बाद कभी भी एलान |
नई दिल्ली: केंद्रीय कर्मचारियों के लिए आज काफी अहम दिन है. सातवें वेतन आयोग को लेकर उठे कई मुद्दों में कर्मचारियों ने एचआरए की दर पर भी आपत्ति जताई थी. सरकार ने इस मुद्दे को वित्त सचिव अशोक लवासा के नेतृत्व में समिति का गठन कर कर्मचारियों का पक्ष जानने का प्रयास किया और कर्मचारियों के प्रतिनिधियों से बातचीत आरंभ की. कई दौर चली बातचीत के बाद मामला अपने अंतिम पड़ाव पर है. सूत्रों से मिली जानकारी के अनुसार आज इस मुद्दे पर कर्मचारी पक्ष और सरकार के बीच अंतिम दौर की बातचीत हुई. सूत्र बता रहे हैं कि वित्त सचिव अशोक लवासा की आज तबीयत कुछ नासाज थी, इस वजह से बातचीत विस्तार से नहीं हुई, लेकिन माना जा रहा है कि बातचीत अब पूरी हो चुकी है और इसी के आधार पर अंतिम निर्णय ले लिया जाएगा. जल्द ही यह भी पता लग जाएगा कि सरकार ने इस बारे में क्या निर्णय लिया है.
इस संबंध में एनजेसीए के संयोजक शिवगोपाल मिश्रा ने एनडीटीवी को बताया कि को आज इस मुद्दे पर बातचीत होगी. उन्हें उम्मीद है कि सरकार कर्मचारियों की मांग पर सकारात्मक रुख अख्तियार करे. जानकारी के लिए बता दें कि कर्मचारियों की मांग है कि एचआरए को पुराने फॉर्मूले के आधार पर तय किया जाए या फिर इसकी दर बढ़ाई जाए. वर्तमान में तय फॉर्मूला के हिसाब से एचआरए कर्मचारियों को पहले की तुलना में कम मिलने लगा है. 

बता दें कि सातवें वेतन आयोग (7th Pay Commission) द्वारा केन्द्रीय कर्मचारियों को दिए जाने वाले कई भत्तों को लेकर असमंजस की स्थिति है. नरेंद्र मोदी सरकार ने 2016 में सातवें वेतन आयोग (Seventh Pay Commission) की सिफारिशों को मंजूरी दी थी और 1 जनवरी 2016 से 7वें वेतन आयोग की रिपोर्ट को लागू किया था. लेकिन, भत्तों के साथ कई मुद्दों पर असहमति होने की वजह से इन सिफारिशें पूरी तरह से लागू नहीं हो पाईं. माना जा रहा है कि अशोक लवासा समिति ने अपनी रिपोर्ट लगभग तैयार कर ली है और आज की बैठक के बाद रिपोर्ट को अंतिम रूप दे दिया जाएगा. माना यह भी जा रहा है कि जल्द ही यह रिपोर्ट वित्तमंत्री अरुण जेटली को सौंप दी जाएगी. 

कहा जा रहा है कि सरकार की ओर से बातचीत के लिए अधिकृत अधिकारी एचआरए को 1 स्तर ऊपर करने को तैयार हुए हैं अब एचआरए 30%, 20% और 10% तक हो सकता है. 

वहीं, विश्वसनीय सूत्रों के हवाले से खबर मिल रही है कि बड़े शहरों में इसे 30 प्रतिशत किया जा सकता है, लेकिन यह अभी तय नहीं है. कर्मचारी संगठन का कहना है कि अगर सरकार ने एचआरए बढ़ाया नहीं है तो घटा कैसे सकते हैं. उनका तर्क है कि क्या शहरों में मकान का किराया कम हुआ है. क्या मकान सस्ते हो गए हैं. जब यह नहीं हुआ है तो सरकार अपने कर्मचारियों के साथ अन्याय कैसे कर सकती है. सूत्र बता रहे हैं कि सरकार तक कर्मचारियों की मांग पहुंचा दी गई है और अब सरकार के भीतर इस मसले पर बातचीत होगी. 

बता दें कि वेतन आयोग (पे कमीशन) ने अपनी रिपोर्ट में एचआरए को आरंभ में 24%, 16% और 8% तय किया था और कहा गया था कि जब डीए 50 प्रतिशत तक पहुंच जाएगा तो यह 27%, 18% और 9% क्रमश: हो जाएगा. इतना ही नहीं वेतन आयोग (पे कमिशन) ने यह भी कहा था कि जब डीए 100% हो जाएगा तब यह दर 30%, 20% और 10% क्रमश : एक्स, वाई और जेड शहरों के लिए हो जाएगी. 

उल्लेखनीय है कि कर्मचारियों के संयुक्त संगठन एनसीजेसीएम ने वेतन आयोग को सौंपे अपनी मांगों से संबंधित ज्ञापन में इस दर को क्रमश: 60%, 40% और 20% करने के लिए कहा था. संगठन का आरोप है कि आयोग ने कर्मचारियों की मांग को पूरी तरह से ठुकरा दिया था. उनका कहना है कि वेतन आयोग ने इस रेट को छठे वेतन आयोग से भी कम कर दिया है. इनका कहना है कि क्योंकि इसे डीए के साथ जोड़ा गया है तो यह तभी बढ़ेगा जब डीए की दर तय प्रतिशत तक बढ़ जाएगी. 

कहा जा रहा है कि सरकार से बातचीत में यह भी तय होने की संभावना है कि एचआरए की दर शहरों की कैटेगरी के अनुसार से दूसरे तय प्रतिशतों के स्तर के हिसाब से लागू हो जाए. 

जानकारी के लिए बता दें कि सातवां वेतन आयोग से पहले केंद्रीय कर्मचारी 196 किस्म के अलाउंसेस के हकदार थे. लेकिन सातवें वेतन आयोग ने कई अलाउंसेस को समाप्त कर दिया या फिर उन्हें मिला दिया जिसके बाद केवल 55 अलाउंस बाकी रह गए. तमाम कर्मचारियों को कई अलाउंस समाप्त होने का मलाल है. क्योंकि कई अलाउंस अभी तक लागू नहीं हुए और कर्मचारियों को उसका सीधा लाभ नहीं मिला है तो कर्मचारियों को लग रहा है कि वेतन आयोग की रिपोर्ट अभी लागू नहीं हुई 

बता दें कि सातवें वेतन आयोग की रिपोर्ट से कर्मचारियों को कई शिकायतें रही हैं और ऐसे में केंद्र की नरेंद्र मोदी सरकार ने अपने कर्मचारियों की शिकायतों को दूर करने के लिए संबंधित मंत्रालय और वित्तमंत्रालय के अधीन समितियों का गठन किया है. ये समितियां कर्मचारी नेताओं से बात कर रही हैं और इस समितियों को अपना फैसला चार महीने में सरकार को देना था लेकिन अभी तक सात महीने से ज्यादा समय बीत चुका है और अभी तक किसी भी समिति ने अपनी रिपोर्ट नहीं सौंपी है.

Postal Department (Madhya Pradesh) PA / SA, Postman & MTS Cadre (Sports Quota)


Postal Department (Madhya Pradesh) has published Advertisement for below mentioned Posts 2017. Other details like age limit, educational qualification, selection process, application fee and how to apply are given below.
Posts: PA / SA, Postman & MTS Cadre (Sports Quota)
Total No. of Posts: 23 Posts

Educational Qualification:

For Postal/Sorting Assistant:-
Pass in 1 0+2 standard or 12th class pass from recognized University/ Board of School Education, Board of Secondary Education (excluding vocational/ JOC streams).
Candidates with higher education are also eligible but they have to fulfill the requirements mentioned in sub-Para (a) above. There are no bonus marks for higher education.
Candidates who have passed 12th standard/l 0+2 in vocational course or Job Oriented Course (JOC) are not eligible.
Having typing and computer knowledge up to the required standard is desirable.
Sports Qualification- as per Para 11 below.
For Postman:-
Matriculation or equivalent from a recognized Board or University.
Candidates with higher education are also eligible but they have to fulfill the requirements mentioned in sub Para (a) above. There are no bonus marks for higher education .
Sports Qualification- as per Para 11 below.
For MTS:-
Matriculation.or equivalent from a recognized Board.
Candidates with higher education are also eligible but they have to fulfil the requirements mentioned in sub-Para (a) above. There are no bonus marks for higher education.
Age Limit: Between 18 to 27 years (For MTS: 18 to 25 years)

Selection Process: Candidates will be selected based on an interview.

How to Apply: Eligible candidates may send their application & necessary documents to given address below. Applications to be superscribed as "APPLICATION FOR THE POST OF POSTAL
ASSISTANT I SORTING ASSISTANT I POSTMAN I MTS IN MADHYA PRADESH POSTAL
CIRCLE UNDER SPORTS QUOTA" and to be sent through Registered I Speed post.

Address to sent Applications: Assistant Postmaster General (Estt./Rectt.), Room No. 205, II Floor, Olo the Chief Postmaster General, M.P. Circle, Bhopal- 462012.
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Last Date: 12-04-2017

Worried about hike in high Minimum Balance?


Why wait in 'Q'? - Postal Life Insurance


GPF liberalization of provisions for withdrawals – Amendment Order

Amendment to the provisions of General Provident Fund (Central Service) Rules 1960 – liberalization of provisions for withdrawals from the Fund by the subscribers – regarding

No.3/2/2017-P&PW(F)(ii)
Ministry of Personnel, PG & Pensions
Department of Pension & Pensioners’ Welfare
Desk-F
3rd Floor, Lok Nayak Bhavan,
Khan Market, New Delhi-11 0003
Dated the 7th March, 2017.

OFFICE MEMORANDUM

Subject: Amendment to the provisions of General Provident Fund (Central Service) Rules 1960 – liberalization of provisions for withdrawals from the Fund by the subscribers – regarding.

The General Provident Fund (Central Service )Rules came into force in 1960 and Rule 15 of the said rules provide for withdrawals by the subscribers. Some amendments have been made from time to time to address the concerns raised by the subscribers. However, the provisions, largely remain restrictive. There is a felt need to liberalize provisions, raise limits and simplify the procedure.
2. The provisions in the rules have been reviewed and it has now been decided to permit withdrawals from the fund by the subscriber for the following purposes:

(i) Education – This will include primary, secondary and higher education, covering all streams and institutions,
(ii) Obligatory Expenses viz. betrothal, marriage, funerals, or other ceremonies of self or family members and dependants,
(iii) Illness of self, family members or dependants,
(iv) Purchase of consumer durables.

3. It has been decided to permit withdrawal of upto twelve months payor three-fourth of the amount standing at credit, whichever is less. For illness, the withdrawal may be allowed upto 90% of the amount standing at credit of the subscriber. A subscriber may seek withdrawal after completion of ten years of service.

(v) Housing including building or acquiring a suitable-house or a ready-built flat for his-residence,
(vi) Repayment of outstanding housing loan,
(vii) Purchase of house site for building a house,
(viii) Constructing a house on a site acquired,
(ix) Reconstructing or making additions on a house already acquired,
(x) Renovating, additions or alterations of ancestral house.

4. A subscriber may be allowed to withdraw upto ninety percent of the amount standing at credit for the above purposes. It is also decided do away with the present instructions which lay down that subsequent to the sale of house for which GPF withdrawal has been availed, the amount. withdrawn has to be deposited back. GPF withdrawal for housing purpose will no longer be linked with the limits prescribed under HBA rules. A subscriber may be permitted to avail the facility at any time during his service.

(xi) Purchase of motor car/motor cycle/ scooter etc. or repayment of loan already taken for the purpose,
(xii) Extensive repairs /overhauling of motor car,
(xiii)Making deposit to book a motor car/motor cycle/scoter, moped etc.

5. A subscriber may be permitted to withdraw three- fourth of the amount standing at credit or cost of the vehicle, whichever is less for the above purposes. Withdrawal for the above purpose will be permitted after completion of 10 years of service.

6. Presently, withdrawal of upto 90% of balance without assigning reasons is allowed for Government servants who are due for retirement on superannuation within a year. It is proposed that this may be allowed for upto two years before superannuation.

7. In all cases of withdrawal from the fund by the subscriber, the declared Head of Department is competent to sanction withdrawal. No documentary proof will be required to be furnished by the subscriber. A simple declaration form by the subscriber explaining the reasons for withdrawal would be sufficient.

8. As per the GPF(CS) Rule 1960, no time limit has been prescribed for sanction and payment of withdrawal amount. Therefore, it has been decided to prescribe a maximum time limit of fifteen days for sanction and payment of withdrawal from the Fund. In case of emergencies like illness etc., the time limit maybe restricted to seven days.

9. Necessary amendment to the GPF(Central Service)Rules 1960, giving effect to the above provisions will be issued in due course.

10. In so far as persons serving in Indian Audit and Accounts Department are concerned, these orders issue in consultation with the Comptroller and Auditor General of India.

11. This issues with approval of Department of Expenditure, vide their ID No. 4(1 )/EV/2017 dated 28.02.2017.

12. Hindi version of this OM will follow

sd/-
(Sujasha Choudhu)

Director





एक बैंक ऐसा भी है जो अपनी सभी बैंकिंग सुविधाएँ दे रहा है बिलकुल फ्री

सभी बेंको ने 1 मार्च से 4 ट्रांज़ेक्शन के बाद होने वाले ट्रांज़ेक्शन पर 150 रुपये तक की टेक्स लगादी है. इतना ही नहीं अगर खाते में तय न्यूनतम जमा राशी से कम रकम पाई जाती है तो उसपे भी चार्ज लगेगा. इस फेसले से सबसे ज्यादा नुकसान मध्यम अवं गरीब वर्ग को होनेवाला है. ज्यादातर लोग अपने पास पैसो का जोखम नहीं रखना चाहते, इसी वजह से वो बेंको में जमा करते है और अपनी जरुरत के मुताबिक बेंको से निकाशी करते है. ऐसे लोगो को सबसे ज्यादा दिक्कत होने वाली है.
बेंको के ऐसे चार्जिस से बचना चाहते है तो आज ही पोस्ट ऑफिस में सेविंग बेंक एकाउंट (POSB) खुलवाये.

ज्यादातर लोग पोस्ट ऑफिस सेविंग बैंक एकाउंट में दी जाने वाली सेवाओ से बेखबर होते है.

बेंको द्वारा दी जाने वाली सभी सेवाए पोस्ट ऑफिस अपने सेविंग बेंक खाता धारको को बिना कोई चार्जिस काटे देती है. पोस्ट ऑफिस में आप सिर्फ 50 रुपये से खाता खुलवा सकते है. पोस्ट ऑफिस द्वारा सेविंग एकाउंट्स में पासबुक, चेकबुक , डेबिट कार्ड(ATM) , नोमिनेसन , इन्टरनेट बैंकिंग , मोबाइल बैंकिंग , SMS अलर्ट, जेसी सेवाए बिना कोई चार्ज काटे (FREE) दी जाती है यहाँ आप जितना चाहो उतनी बार पैसे जमा / निकास कर सकते हो, बिना कोइ एक्स्ट्रा चार्ज दीये. इतना ही नहीं आप चाहे किसीभी पोस्ट ऑफिस (ब्रांच) के कस्टमर हो ...आप पुरे इंडिया में कोई भी पोस्ट ऑफिस से ट्रांज़ेक्शन कर सकते है.

इंडिया पोस्ट अब इंडिया पोस्ट पेमेंट बैंक बनने जा रही है. जिसमे खाताधारक को और भी कई सेवाए दी जायेगी. जिसमे से एक है "आपका बेंक , आपके द्वार" (door step) जिसमे बैंकिंग से जुडी सभी सेवाए आपके घर पे ही पहोचाई जायेगी.

Use bank debit cards to withdraw cash from postal ATMs

ATMs out of cash? No problem, postal ATMs to the rescue for customers can now use their bank debit cards to withdraw cash at postal ATMs.

With the Postal Department’s proposal for interoperability of its ATMs with banks approved by the Reserve Bank of India, customers may withdraw cash from their postal accounts through bank ATMs too.
Post offices are now gearing up to load cash at regular intervals as the number of customers using postal ATMs is expected to increase steadily. Officials said though measures were taken to allow customers to withdraw cash by bank debit cards, it had to be delayed due to the demonetisation move.

At present, there are nearly 97 postal ATMs across the State, mostly in head post offices. Of this, about 10 ATMs are in city post offices, including the sub-post office in Ashok Nagar. “We are now taking measures to install ATMs in more post offices depending upon the patronage,” said an official.

Post offices in Chennai city region have nearly 2.5 crore savings accounts and savings bank accounts contribute to 25%. “We have issued nearly 53,000 postal debit cards in Chennai city region. This could now be used in bank ATMs as well,” the official added. Steps are being taken to expedite the process to issue debit cards to other postal account holders as well.

Internet, mobile banking

As part of its efforts to upgrade to postal bank, the Postal Department is set to launch internet and mobile banking services soon on par with the commercial banks. In about three months, customers could soon be able to pay bills, open a savings account or transfer money from post offices to banks too.

In yet another move to expand its services, the Department of Posts has tied up with Finland Post to exchange international speed posts articles recently. This would be the 100th country to which the department has extended its mail services.

Revised Bank Charges : Here's why and how much you have to pay


Major Indian banks — SBI, ICICI, HDFC and Axis — have decided to charge users for cash transactions above certain limits and for a few facilities which were free till now. More banks are expected to follow suit. The new charges are aimed at discouraging cash transactions though banks might end up profiting from them hugely. 

Below is what you must know if you have an account in any of these banks: 

State Bank of India 
1. From April 1, SBI will permit savings bank account holders to deposit cash three times a month free of charge. Beyond that, it will charge Rs 50 plus service tax for every transaction. 

2. In case of current account, the levy could go as high as Rs 20,000. 

3. SBI account holders will also have to keep a minimum balance in their accounts, failing which they will be fined. The fine will be lower for rural areas. 

4. In metropolitan areas, there will be a charge of Rs 100 plus service tax if the balance falls below 75 per cent of the minimum available balance of Rs 5,000. If the shortfall is 50 per cent or less, the bank will charge Rs 50 plus service tax. SBI used to have such charges in 2012. 

5. Withdrawal of cash from ATMs will attract a charge of up to Rs 20 if the number of transactions from ATMs of other banks exceeds three and Rs 10 for more than five withdrawals from SBI ATMs. 

6. However, SBI will not levy any charge on withdrawals from its own ATMs if the balance exceeds Rs 25,000. In case of withdrawals from ATMs of other banks, there will be no charge if the balance exceeds Rs 1 lakh. 

7. SBI will charge Rs 15 for SMS alerts per quarter from debit card holders who maintain average quarterly balance of up to Rs 25,000 during the three months. There will be no charge for UPI/USSD transactions of up to Rs 1,000. 

Axis Bank 

1. Axis Bank customers will be allowed five free transactions every month, including deposits and withdrawals. Above that, customers will be charged a minimum fee of Rs 95 per transaction. 

2. Up to five non-home branch transactions will be free for customers, subject to a maximum per-day deposit of Rs 50,000. For larger deposits or the sixth transaction, the bank would charge Rs 2.50 per Rs 1,000, or Rs 95 per transaction, whichever is higher. 

HDFC Bank 

1. HDFC Bank will levy Rs 150 per transaction, beyond four free ones (deposits and withdrawals) each month.

2. The new charges would apply to savings as well as salary accounts. 

3. For home-branch transactions, the bank will allow deposits or withdrawals of up to Rs 2 lakh free of cost at one go per day. Beyond this, it will charge Rs 5 per Rs 1,000, or Rs 150. 

4. At non-home branches, transactions beyond Rs 25,000 a day will attract a charge of Rs 5 per Rs 1,000, or Rs 150. 

ICICI Bank 

1. There will be no charge for first four transactions a month at branches in home city while Rs 5 per Rs 1,000 will be charged thereafter subject to a minimum of Rs 150 in one month. 

2. The third-party limit would be Rs 50,000 per day. 

3. For non-home branches, ICICI Bank would not charge for first cash withdrawal of a calendar month and Rs 5 per Rs 1,000 thereafter subject to a minimum of Rs 150. 

4. For anywhere cash deposit, ICICI Bank would charge Rs 5 per Rs 1,000 (subject to a minimum of 150) at branches, while deposit at cash acceptance machines would be free of charge for first cash deposit of a calendar month and Rs 5 per Rs 1,000 thereafter.

केंद्रीय कर्मचारियों के लिए खुशखबरी : 1 जनवरी से महंगाई भत्ता 2 प्रतिशत बढ़ा सकता है केंद्र

केंद्रीय कर्मचारियों के लिए खुशखबरी : 1 जनवरी से महंगाई भत्ता 2 प्रतिशत बढ़ा सकता है केंद्र
  • महंगाई भत्ते में दो से चार प्रतिशत बढ़ोतरी की घोषणा संभव 
  • श्रमिक यूनियनें हालांकि इस प्रस्तावित वृद्धि से खुश नहीं हैं.
  • मूल्यवृद्धि के वास्तविक असर की भरपाई करने में मदद नहीं मिलेगी.
  • नई दिल्ली: केंद्र सरकार इस महीने अपने 50 लाख कर्मचारियों तथा 58 लाख पेंशनभोगियों के लिए महंगाई भत्ते में दो से चार प्रतिशत बढ़ोतरी की घोषणा कर सकती है. महंगाई भत्ता और महंगाई राहत कर्मचारियों और पेंशनभोगियों को उनकी आय पर मुद्रास्फीति के प्रभाव को कम करने के लिए दिया जाता है. श्रमिक यूनियनें हालांकि इस प्रस्तावित वृद्धि से खुश नहीं हैं. उनका मानना है कि इससे मूल्यवृद्धि के वास्तविक असर की भरपाई करने में मदद नहीं मिलेगी
कन्फेडरेशन ऑफ सेंट्रल गवर्नमेंट एंपलॉइज के अध्यक्ष केकेएन कुट्टी ने कहा, ‘‘केंद्र सरकार के सहमति वाले फार्मूला के तहत महंगाई भत्ता वृद्धि दो प्रतिशत होगी. यह एक जनवरी, 2017 से प्रभावी होगी.’’ हालांकि, कुट्टी ने इतनी मामूली वृद्धि पर निराशा जताते हुए कहा कि महंगाई भत्ता बढ़ाने के लिए बेंचमार्क माना जाने वाले औद्योगिक श्रमिकों का उपभोक्ता मूल्य सूचकांक वास्तविकता से दूर है.

उन्होंने कहा कि जिंस कीमतों में कितनी बढ़ोतरी हुई है उसको लेकर श्रम ब्यूरो और कृषि मंत्रालय में मतभेद हैं. सहमति वाले फॉर्मूले के तहत केंद्र महंगाई भत्ते में बढ़ोतरी खुदरा मुद्रास्फीति के 12 माह के औसत के आधार पर करता है. सरकार दशमलव बिंदु के बाद मूल्यवृद्धि पर विचार नहीं करता. ऐसे में यह वृद्धि 2.95 प्रतिशत बैठने के बावजूद सरकार डीए को दो प्रतिशत बढ़ा रही है

You may have to pay more for cash withdrawals

State Bank of India, the country’s largest lender, will charge Rs50 for each transaction beyond the free transaction limit, plus service tax, from 1 April. Top private sector banks have started imposing cash transaction charges—another move to nudge customers towards cashless transactions.

Customers of ICICI Bank, Axis Bank, HDFC Bank and Kotak Mahindra Bank will have to pay minimum Rs 150 for cash transactions beyond the free limit. Savings bank account holders of SBI will be able to make three free cash transactions in a month.

The free transaction limit is different for different banks and is also based on the types of accounts. For example, ICICI Bank, HDFC Bank and the Edge or Nova savings accounts of Kotak Mahindra Bank allow four free cash transactions each month. For Axis Bank and Kotak Mahindra’s Pro or Classic account holders, the number of free transactions is five. Customers with the Ace and Platina accounts at Kotak Mahindra Bank can perform 10 free cash transactions per month.
Most public sector banks and some private sector banks have not yet announced cash transaction charges. But even now, public sector banks charge a transaction fee beyond a certain limit. Punjab National Bank allows 50 free transactions in a quarter, after which it charges Rs5 per transaction, according to details given on Paisabazaar.com.

Among the payments banks, Airtel Payments Bank charges Rs1 to Rs25 for withdrawals in the range of Rs10 to Rs4,000 and 0.65% for amounts over Rs4,000. IndiaPost Payments Bank charges Rs15-35 for withdrawals of up to Rs10,000. But this is only for door-to-door banking. 

ATM Withdrawals

Transaction charges by banks will only be applicable on cash transactions at branches; ATM withdrawals will not be considered in calculating these number of transactions. The number of free ATM transactions will remain the same.

Most banks allow five free ATM transactions every month without any additional cost at their own ATMs. Three transactions are free at other banks’ ATMs in six metro cities—Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. For non-metro users, the number of free transactions at other banks’ ATMs are five.

“There cannot be unlimited free transactions,” said Naveen Kukreja, co-founder and chief executive officer, Paisabazaar.com, adding that the number of free transactions will vary based on the relationship customers have with their banks.
impact

The new charges could pinch people who make withdrawals for daily or weekly use, or those who frequently transfer money from one city to another to their families.

“In all likelihood, most such high frequency transactions will be low in value,” Kukreja said. The biggest impact, however, is likely to be on small businesses like shopkeepers and traders who tend to deposit each day’s cash collection in their bank accounts the next day, he added.

However, the restrictions on cash transactions are largely aimed at savings bank accounts. The free transaction limits for current accounts remain much liberal.

For instance, a normal current account holder in SBI can deposit Rs25,000 per day without any charge, and thereafter a charge of Rs0.75 plus service tax per Rs1,000 would be applicable.

So, if you own a small business and make banking transactions through a current account, the impact of the limited cash transactions may not have a major impact on you. But if you frequently use savings bank account for these transactions, you may have to be careful with how many times you do so.

How to know SOL wise salary upload details in Finacle

Are using HACLINQ or other Menus to view Salary Credit details of all employees accounts in your office including BOs ?. 

Then this article will be helpful to you.

1. Invoke " HACLINQ " menu.

2. Enter A/c Id as " HO SOLID+0409 "
3. Enter " Start Date & End Date " as Salary Upload Date

4. Click on " View Details Icon "
5. Select " I-GO TO FINANCIAL TRANSACTIONS INQUIRY " from Restore Values list. And Click on " Go "

6. Enter " A/c SOL ID " as your office SOL ID

7. Uncheck " Today Transactions Only "

8. Click on " Go "

Amendment in CCS (Classification,Control and Appeal) Rules, 1965 -Fixing of timelines for finalizing disciplinary proceedings

Amendment in CCS (Classification,Control and Appeal) Rules, 1965 reg. fixing of timelines for finalizing disciplinary proceedings-reg.

To view please Click Here.

General Financial Rules,2017


To view please Click Here.

SBI PO Prelims 2017: Here’s your guide to cracking the exam

The State Bank of India (SBI) is likely to hold online preliminary exams to recruit 2,313 Probationary Officers (PO) on April 29 and 30 and May 6 and 7, 2017.

The competition for the posts is going to be tough as a large number of candidates are expected to apply for the job, considered to be most coveted in the banking sector in the country.

Having said that, it is important to realise that apart from your mental ability and interest, success in most of the examinations, depends largely on how well you prepare for it. To prepare well, you need to understand the pattern of the examination and accordingly devise a strategy.
The preliminary examination is one-hour long objective type test in which candidates are asked 100 questions. Each question carries one mark and there are three sections in the exam. There are 30 questions from English section, while the other two sections-- Reasoning Ability and Quantitative Aptitude—contain 35 questions each.

A candidate must clear the sectional cut off for all the three sections and then clear the overall cut off (as decided by the bank) to crack the prelims examination. It is also important to remember that 0.25 mark is deducted for every wrong answer and so wild guesses must be avoided.

Candidates should work out a proper strategy for all these three sections and put in effort accordingly. Candidates should devote more time in areas where they are relatively weaker. But at the same time other sections should never be ignored. It is important because you need to clear the sectional cut-off in all the three sections. But scoring well in your areas of strength will help you to clear the overall cut-off required for qualifying for the second phase of the exam.

Before trying to take a look at the preparation strategy for the three sections separately, candidates should keep a few points in mind that will help them in dealing with the test at a broader level.

1. It is very difficult to solve all the questions in the examination. So it is advisable to pick the questions you answer judiciously and be focused while answering them to avoid mistakes. Though speed is very important, accuracy is more important. Talking to HT, R Shiva Kumar, chief academic officer, CL Educate Ltd. (Career Launcher), said, “Accuracy plays a key role – with even 55% to 65% attempts – in sailing you through the exam.”

2. A very good reading speed is one of the key factors for clearing this exam. The SBI preliminary examination is conducted online. The reading speed of a person goes down by around 25% while taking online test is a well-known scientific fact, says Abhishek Kalra, Director at Vidya Guru Education Pvt. Ltd. So Kalra advises candidates to do a lot of practice to increase their reading speed.
3. There is no substitute to practice. Kalra says a lot of students fail to clear the exam because of the lack of practice. “There are three stages of preparation 1) Clearing the concepts 2) Practicing what has been learned 3) Taking mock test. Many students try to jump from the first stage of preparation to the third stage and it is here that they miss the plot,” says Kalra.

4. Being able to spot the difficulty of the questions is another important factor in clearing the prelims examination. Kumar of Career Launcher wants the students to work towards acquiring the ability to spot tough and time-consuming questions quickly and avoid them in the first round of attempts. “Come back to them only if you have time after the first round. This is where the rhythm of testing helps. Deception in the choice of questions is probably the single most important reason for poor time management of the bank aspirants,” says Kumar.

Section-wise preparation:

There are three sections in the SBI PO prelims question paper and each section poses its own challenge. Apart from the overall strategy, candidates need to prepare a separate strategy to deal with each of the sections.

Quantitative Aptitude

Anil Nagar, Founder & CEO, Adda247 says, “If a candidate is good in calculation and his basic concepts are clear then this section is good for scoring. For quantitative aptitude, practice matters the most for scoring well within a limited time frame. But if you find this section difficult, it is important that you start practicing questions with a plan to cover all topics. To speed up your calculation, start learning and revising tables till 20, squares, cubes and square roots.”

In addition to this, Abhishek Kalra of Vidya Guru urges students to learn short-cuts and tricks for calculations, knowing values of faction in percentage and vice versa. Kalra also wants students to learn the fundamentals of Vedic mathematics. Some of the important focus areas suggested by Kalra for tackling this section are data interpretation, profit and loss, simple interest and compound interest, time and work, time, speed and distance, ratio proportion, and percentage.

Reasoning Ability

Coming out with his strategy to tackle this section, Nagar says, “Reasoning questions can be tricky and require lot of practice to score well. It is important not to get stuck on puzzle or seating arrangement questions for too long. A good hold on how to attempt the section will come with timely and regular practice of different types of questions. Kalra too emphasises on the importance of question selection and regular practice. He further says that this section is also a test of the ability of a candidate to apply his mind quickly and aptitude of spotting the angle and difficulty level of a question. Some of the focus areas suggested by Kalra to do well in this section are syllogism, blood relation questions, coding-decoding, input-output, direction test, mathematical inequations, seating arrangements and puzzle-based questions. “The question setter always tries to put something new in reasoning questions. This section has questions which are of higher difficulty level,” adds Kalra.

English Language

Many candidates who are not very good at maths and reasoning must be aiming to score very high in this section to be able to meet the overall cut-off requirement to clear the prelims. Nagar says that the “English section of the SBI PO exam has evolved so much that its question pattern and level have transformed from the conventional to a more challenging approach.”

Talking about the preparation for the English section for the SBI PO exam, Kalra urges students to focus on English reading and comprehension, contextual vocabulary, cloze test, fill in the blanks, sentence rearrangement and sentence error spotting. “Students must also learn the basics of grammar,” he said.

Mock Tests

The last and a very important phase in the preparation for the preliminary examination is taking the mock tests. The importance of this test lies in the fact that it gives you an opportunity to prepare for the problems faced in the examination situation. “Mock aids in two things – identifying your strengths and weaknesses and building the rhythm of testing. There is a tipping point beyond which the testing may not help much. But getting to that is an important part of the game. I believe 10 to 15 tests are sufficient for any competitive exam,” said R Shiva Kumar of CL Educate Ltd.

Last but not the least, a candidate planning to prepare for the PO’s post in SBI must know the nature of the job. “The SBI PO is a high-pressure job and is a good option for people who like pressure-cooker situation,” said Kalra. “People who are good at public relations and like to stay in company of people,” will also love this job.

Charges and incentive structure under NPS Lite w.e.f. 01.04.2017

Charges and incentive structure under NPS Lite w.e.f. 01.04.2017

Reconsider penalty for not keeping minimum balance: Govt asks SBI

The government on Monday asked SBI to reconsider its decision to levy penalty on non-maintenance of minimum balance, which the bank plans to hike manifold from April 1 impacting over 31 crore savings bank account holders.

State Bank of India, according to a source, has also been asked to reconsider charges it proposes to levy on cash transactions and ATM withdrawals over specified limits.
The country’s largest lender has announced imposing penalty ranging from Rs 20-100 on non-maintenance of Minimum Average Balance (MAB) in savings bank accounts from April 1. The penalty is as high as Rs 500 in case of current accounts.

The penalty for breach of MAB is being reintroduced after a gap of five years.

The bank has also increased the minimum balance requirement by many times, which is as high as Rs 5,000 for account maintained with branches in six metro cities.

SBI has also imposed restrictions on withdrawals of cash from its branches as well as ATMs. These will attract charges after certain specified limits.

“Government has asked SBI to reconsider it’s decision to impose a penalty on non- maintenance of minimum balance in accounts from April 1 onwards,” the source said.

The government has also urged SBI and other lenders, including private sector banks to “reconsider the charges on cash transactions and ATM withdrawals above a certain limit”.

Some private banks, like HDFC Bank, ICICI Bank and Axis Bank, have started charging a minimum amount of Rs 150 per transaction for cash deposits and withdrawals beyond four free transactions in a month.