Monday, March 13, 2017

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Income Tax department raises queries on suspicious bank account deposits post demonetisation

The income-tax department that had begun raising queries with regard to what it thinks are suspicious bank deposits after demonetisation was announced, including those made in cooperative banks, are set to start is going these accounts. 
The tax department could start summoning bank account holders in the coming month or two, say people in the know. The move is part of the government’s crackdown on money laundering in the wake of demonetisation. In the first round, the tax department was focusing on those bank accounts that do not have proper KYC (know your customer) credentials or cash deposits do not correspond with the individual’s income people close to the development said. ET reported on January 19 that the I-T department was looking to question cash deposits exceeding Rs 10 lakh. 

Experts say that the directive that many tax officers have received from the “highest level” is to go aggressively after those who may have played the system following demonetisation. The government may be looking to increase its revenues by bringing many individuals who may not have been paying taxes. It is learnt that many bank account holders suddenly deposited a huge chunk of money even as their income tax records do not correspond with such an amount. 

About 1.5 lakh account holders have deposited more than Rs 10 lakh each and there have been suspicious cash deposits in one crore accounts belonging to 75 lakh people. 

Income tax department has already raised queries on the e-platform. The queries raised are very specific and in some cases tax officials are demanding that bank account holders submit scanned copies of their PAN and Aadhaar cards. Experts said bank account holders who have not cleared the KYC process, especially in some cooperative banks, are to be questioned first.

Source : The Economic Times

Cadre Restructuring Impact on Senior Officials

1. Nearly 2000 senior officials would get LSG Promotion in the nearing Months...

2. HSG - I and HSG - II Posts to be filled immediately with the available staff..

3. HSG NFG will be granted to officials who have completed 2 Years in HSG I as on date...

4. After filling up HSG -I , HSG -II and LSG Posts.. Department will proceed DOPT for granting One time relaxation to fill up all vacant HSG-I , HSG-II posts , LSG Posts ..

5. There would be lesser problem for HSG I and HSG II officials when compared to LSG..

Classification of Senior Officials

1. Likely to retire within 10 years and not before 7 years
2.Likely to retire within 7 years and not before 4 years
3. Likely to retire within 4 years..

a. 7 to 10 years

  • Officials who have completed 20 years of service and already in 4200/- grade pay and if promoted to LSG may have to Accept the promotion since their next Promotion to HSG II would fall within the next 6 to 8 years .
  • They may retire as Postmaster HSG II . Since the number of HSG II Posts have been enhanced they can get posted in the same Division ..

b. 4 to 7 years

Officials who have completed 20 years of service and already in 4200/- grade pay and if promoted to LSG may have atleast one chance to become HSG II before retirement . Hence accepting of promotion is recommended.

c. 1 to 4 Years

Officials who have completed 20 years as well as 30 years and already in grade Pay 4200/- or 4600/- may also opt for promotion , for they would get a chance to officiate in higher Post during their Retirement ..

Classification by AGE.

1. 40 to 50
2. 30 to 40
Officials in the first classification may be about to complete 20 years and some would have completed 20 years of service and yet there is solid 10 to 15 years remaining for retirement.

They should certainly opt for LSG Promotion without hesitation and may have a good chance of retiring at the highest hierarchy in the cadre..

There may be some dislocation to few officials which they have to manage for year or two.

Definitely the number of Posts and the number of eligible officials would differ to division to division..

1. Number of post higher but officials will be short.

2. Number of officials higher than the Post allotted to the Division.

Since there is acute shortage of staff and countable number of officials have rather retired or gone out under VRS and also in unforeseen demise, the number of officials for the Post would be lesser in the HSG I and HSG II category ..

However the LSG Post would be filled up 100% since the eligible conditions has been brought down to 5 years in PA cadre...

There are also rumors that some are trying to keep the CR under abeyance for a particular period. so that the officials would retire at the present post and station .

There may be some dislocation to officials at High HRA stations and have to sacrifice for a particular time to regain it.

Instead the HRA criteria would be taken up for Modification and as to have an equitable allowance at Metros , Cities and Rural Area so that official would not loose allowances.

Keeping the HRA equal at all stations and providing a distinction like CCA for Metro and High cities would solve the problems considerably..

Otherwise officials would opt for declination....

It is also hoped that necessary orders for Promotion to HSG -I , HSG -II would be initiated at CO simultaneously calling for CRs of officials for Promotion to LSG..

Placement of Postmaster Cadre in the event of CR

Offices below the rank of Grade I ie LSG / Triple handed POs has been placed at 4200/- while the Postmaster Grade I is placed at 2800/-. 

One Post of LSG is also created in Grade I offices and now the Grade I Postmaster is to supervise another official of the Same Grade Pay. It may also result in contradictions between officials due to authority .

Hence the Cadre Review of Postmaster Cadre is expected within short span of time as the Implementation process of CR is being carried out for Postal Assistants.

The Postmaster Grade I should be definitely placed higher than the LSG and Triple handed post offices by virtue of status and higher fixation of pay is also essentially required. 

This can also be ensured by the following..

1. Amalgamating Grade I and Grade II Posts and allotting 2/3rd to Postmaster Grade I.
ie . 252 grade I and 50 grade Posts to be merged to 302 and 2/3rd ie 200 Posts to remain as Grade -I 

2. The remaining 100 Posts may be marked for Grade II so that the number of Posts in Grade II is increased considerably.

3. The 51 Grade III Post may remain the same 

Now the Ration of Postmaster Grade I : II:III would be 4 : 2 : 1

The Unions should also look forward the Postmaster cadre being taking up in light of the CR for Postal Assistants..

SOP on Supply, Installation & Updation of details of Solar UPS at BOs

Click below link to download SOP on

Official RICT SOP released by Directorate for all CBS and Non CBS offices

  • Recently RICT rolled out completed in some of the BO's(Branch Offices) in DOP.
  • RICT is nothing but doing all the transactions of Branch Office operations using hand held devices supplied by Directorate.
  • After roll out necessary training and instructions will be issued to all BPM's to do the operations in hand held devices, maintenance of the device such as charging of the device etc.
  • Once RICT roll out completed concerned BPM should enter all the transactions in the device and then send the reports to your respective SO.
  • Again feeding of BO transactions in SO not necessary hence this reduces duplication of your work and time,
  • SOP for doing the transactions in RICT machines, procedure to take the reports and accounting procedure in SO mentioned clearly in the below mentioned SOP officially supplied by Directorate.
  • In order to download the RICT SOP supplied by the Directorate for all CBS and Non CBS, all the DOP users can CLICK HERE

Jharkhand post offices turn Post Shoppes

Post offices in Jharkhand are no more restricted to mere deal with envelops or parcels. Now, one can get items of his/her daily need, right from toothpaste to apparels and LED bulbs to designer craft, from post offices.

The postal department has so far started Post Shoppe in 13 head post offices and planned to take it to all branches across the state to revive and give a new dimension to the post office services. Jharkhand has 3300 post office branches currently, which will go up to 4,000 by end of this year.
“Post Shoppe will be started in every district headquarter within a month. Thereafter, it will be extended to Panchayat level,” said Anil Kumar, chief post master general, Jharkhand circle.

Jharkhand wing of India Post has tied up with Kasturba Khadi Gramodyog Sansthan (KKGS), Muri to sell Khadi India products from Post Shoppes.

Sale of Khadi products including apparel, bag, handicrafts, herbal products, incense sticks, sandal products, beauty products and spices have started from Ranchi’s two branches from Wednesday. The sale of Khadi India products will start in 13 other head post offices of the state in a week.

“We have already been selling several items like gift pack, envelop, tribal handicrafts, Archie’s cards and products of Patanjali brand from Post Shoppes. Khadi products are the new addition to the list,” Kumar said, adding, our objective is to provide all items of daily need under one-roof, that will not only benefit people but also give strength to postal department.

The Jharkhand wing of India Post has launched several schemes such as sale of Ganga Jal, LED bulbs and non-judicial stamps that were later adopted by many states in the country.

“All three schemes including Ganga Jal, LED bulbs and non-judicial stamps have been a huge success in Jharkhand,” Kumar said, adding, we have made Rs 1.57 crore additional earning in one year from the new initiatives. “It is expected the earning to cross Rs 2 crore mark by March end,” he said.

Jharkhand Post has recently started selling of railway tickets. “We are selling railway tickets from 14 post offices, which will be extended to 50 shortly. Our purpose is to start selling of railway tickets in remote areas of the state where people have to travel a long distance to railway station for tickets,” Kumar said.

A consumer Ravi Ranjan, an under-graduate student, said, “Majority of the products of daily need are available here. I take the opportunity to buy something whenever I visit post office.”

A 45-year-old, Raju Mahato, who visited Post Shoppe, urged the postal department also to make provision of generic medicine at the Shoppe, which would help the poor.

Cash weekly limit removed in DOP Finacle

Cash weekly limit for SB withdrawals, has been removed from 13.03.2017 and the same was configure in DOP Finacle.

Article 3 - Should we fear to face the Cadre restructure????

No Not at all....
The following are the some more doubts still wandering every places. To clarify such things this article-3 is published for the kind information of our beloved officials.

1. Expecting the LSG and above higher posts as divisional/regional cadre???. 

It is not at all feasible. If it is happened one division Junior PAs may get the LSG promotion and other division Senior PAs may deprived that opportunity. Juniors may become senior and senior may become junior. It may create chaos in the Group C wing of the Postal department. While LSG promotion order, one will be informed with region/division and office of posting too. Then if that place of posting is preferable to the officials they may opt that post. or else they can decline. 

2. If posted at far away offices from the family????

a)Accepting or declining is official's own discretion. After the place of posting before joining in that promotional post, officials may decline or accept such promotion under cadre restructure.

b) If LSG promotion is accepted by the officials, then they may get a chance to get HSG II/I posts shortly by claiming one time relaxation for the service eligible conditions. Since even after the LSG posts are filled, as per the HSG II/I recruitment rules conditions, most of the newly identified HSG II/I posts would be vacant only. Those are once going to be manned by the Postal assistants only.

c) If LSG is not accepted then their further MACP may be postponed till such acceptance of their promotion. After declining the promotion one year time is debarment period. After such one year, they may get a chance again to get their willing offices to accept such promotion. Till that time only MACPs will be postponed. So question of fearing wont be arise at all.

3. What about the financial benefits for accepting this promotion???

a)Question of getting financial benefits is escalated towards the officials at nook and corner of our department. But....?????

b) We have had much criticism that the very meager promotional posts available in our department and claimed MACPs after acute stagnation because of not enough promotional posts to us. Now the department enhanced the promotional opportunities. For already availed pay benefits under MACP, one cannot expect one more pay benefit. One cannot expect dual benefits for a same promotion. That expectation cannot be sustained and nowhere it has merits to stand at out department and as well as at honorable court of law.

c) More over audit authorities are strictly instructed that the One notional increment is also to the officials got promotion prior to 2006 and carrying higher responsibilities for the same grade pay.

d) It is not an ethical practice to seek only pay benefits by avoiding responsibilities.

e) In the same way officials cannot be suffered by distance posting from their family. After the place of posting, before joining in that promotional post they can decline such promotion and they can wait till further chance after one year debarment period. Hope every one shall get their willing places.

f) Rather than fearing and criticizing, lets enter into this cadre restructure with the above positive things.

All the very best!!!

Friendly yours,
Postmaster Grade I
Regional Secretary,
All India Association of Postal supervisors
Madurai Region

No cash withdraw limit on savings accounts from today

RBI gift to nation on Holi: No cash withdraw limit on savings accounts from today

New Delhi :  
The limit on cash withdrawals from savings bank account has been lifted from Monday. The Reserve Bank of India, in a notification issued on January 30, had announced that from March 13 all limits on cash withdrawal from savings accounts will be removed. 
Till now, there was a cash withdrawal limit of up to Rs 50,000 per week on savings accounts and none on the current accounts. 

After the note ban on November 8, Reserve Bank had capped withdrawal limits on ATMs and bank branches. It raised limits from Rs 2,000 a day to Rs 4,500 a day to Rs 10,000 a day while maintaining the overall weekly ceiling of Rs 24,000.

PLI / RPLI Proposals Forms and Service Request forms

Move accounts from post office to bank

You can transact online with regard to PPF and Sukanya Samriddhi accounts
While some of the post office savings schemes are attractive, the absence of the option to invest and transact online is a handicap. But the good news is that, it is possible to transfer a few schemes such as the Sukanya Samriddhi Account (SSA) or PPF to banks. Almost all public sector banks and a few private banks such as ICICI Bank, Axis Bank and HDFC Bank offer SSAs. Similarly, many banks, both public and private, offer PPF accounts.

Transfer process

The process of transferring the SSA and PPF accounts from a post office to a bank is the same. For both the schemes, a request letter needs to be submitted to the post office first, mentioning the details of the bank to which you want to transfer. For the PPF account alone, you will need to fill the account transfer form SB-10 (b) in addition. You have to surrender the passbook to the post office in both cases. Before doing so, update your passbook and make sure to take a photo copy of your passbook for record purposes. This is because old entries will not be available in the new account with the bank.

Once all this is done, the post office will initiate the process of transfer and close your account. They will send all the relevant documents along with a cheque or demand draft (DD) for the outstanding amount in your account to the concerned bank. When these documents reach the bank branch, you will have to go through the process of opening a new account with the bank.

This will involve filling up the account opening form, providing documents like address proof, identity proof, photographs etc as a part of the Know Your Customer (KYC) process.

The birth certificate of your daughter is an additional document mandated in case of the SSA. Once this is done, a new account will be opened in the bank. You will be provided with a new passbook from the bank and the transfer process will be complete.

Why transfer?

The ease of online transaction facility is what motivates most people to consider transferring these accounts from a post office to a bank. Although with post offices you have the option of giving post-dated cheques, you must visit the post office to at least get your passbook updated.

Also, unlike online transfer which is instant, there is a time lag between the cheque getting cleared and the post office updating the same in your account.

Online statements from banks comes handy, especially when we suddenly need a copy of the transactions and find that we haven’t had the time to update the passbook regularly. It is not mandatory to have a savings account in the bank branch to which you are transferring the account.

However, transferring funds online, giving a standing instruction etc could become easy if case if you have all the accounts in the same branch. Naveen Kukreja, CEO & co-founder, says, “Preferably, an individual should transfer his PPF or the SSA to the bank where he maintains the savings account used for routing his various investments”.

Charges and time taken

There is no fee involved in this transfer process if you relocate from one city or town to another. However, in case of the SSA, a transfer fee of ₹100 is charged in case if relocation is not the reason for switching the account from one institution to the other. The time take for the transfer will vary as it depends on how fast the post office initiates the process first.

You may have to face the discomfort of visiting the post office and the bank a few times to check.Once the new account is opened, you will be entitled to enjoy the benefit of saving with just a click of a button.
(This article was published in Hindu on March 11, 2017)

In 4 districts, 30 branches, Pune postal department launches ‘soil testing’ facility for farmers

Regarded as one of the major components of farming, soil testing gives farmers an idea about the type of crop and fertilizer to use to achieve higher crop yield. Usually, the farmers concerned make their own arrangements to visit the Krushi Vigyan Kendra (KVK) with a sample of the soil for testing. To fill the gap between soil testing agencies and farmers, the Department of Posts (Pune Region), recently launched postal services exclusively for soil testing in four districts — Pune, Satara, Solapur and Ahmednagar.
The four districts include 2,161 branch offices that are functional in rural areas, where the majority of customers are farmers. Under the initiative, 30 branch offices, 10 from each division, have been identified in Pune, Satara and Shrirampur. The branch postmasters (BPMs) have been identified under the pilot project and the Satara division of KVK has agreed to impart basic training on soil testing to the BPMs. The identified branch postmasters will collect the soil sample from the farm of customers who approach the post office. These will be kept at the branch office and then sent to the KVK concerned.

The results of the test will be sent to the farmer via speedpost. “The main objective is to encourage more farmers to adopt scientific ways of farming. Soil testing charges will be collected from the customer,” said Ganesh Sawaleshwarkar, the Postmaster General of Pune Region. In order to raise awareness about the service, publicity material such as pamphlets and stickers will be provided by the KVKs and displayed at the branch post office premises. Currently, four KVKs have been identified in Baramati, Satara, Shrirampur and Narayangaon. “Though not much time has passed since the launch of the project, whatever response we have received has been encouraging,” said Sawaleshwarkar.

India Post Agent Portal Video Tutorial

  • Agent Portal can be accessed by using the below website 
The detailed procedure is available in the video format for easy understanding. please click the below video to learn the Agent Portal.

 Click below link to know the procedure in step by step
Click here

GST Bill likely to be tabled before Cabinet on March 22

New Delhi: Maintaining the tempo for the much-awaited Goods and Services Tax (GST) against the backdrop of the crucial Uttar Pradesh Assembly elections, sources in the Finance Ministry on Wednesday said the bill will be presented before the Cabinet on March 22.
The government, which is leaving no stone unturned to lose its sight on the biggest tax reform, has said that the Central GST Law, Integrated GST Law, State GST Law and Union Territory GST and Compensation Law will be put together for the Cabinet’s approval on March 22.

However, the Finance Ministry has said that it will table the CGST, IGST and Compensation Law before the Parliament on March 27.

The Finance Minister sources have also cleared the air on SGST and UTGST, which will be cleared in the GST Council meet scheduled on March 16.

Also, it is likely that few more cesses will be added in the kitty to boost resources to compensate states. It will include Infra cess, Oil industry Development cess, and Swachh Bharat cess amongst others.

Earlier, the GST Council chaired by Finance Minister Arun Jaitley approved the draft CGST Bill and the draft I GST Bill as vetted by the Union Law Ministry. It cleared the deck for the Central Government to take these two Bills to the Parliament for their passage in the ongoing Budget Session.