Friday, September 07, 2018

Dearness Allowance from July, 2018 @ 9%: Department of Expenditure Order

No. 1/2/2018-E-II (B)
Government of India
Ministry of Finance
Department of Expenditure
North Block, New Delhi
Dated the 7th September, 2018.


Subject: Grant of Dearness Allowance to Central Government employees - Revised Rates effective from 1.7.2018.

The undersigned is directed to refer to this Ministry’s Office Memorandum No.1/1/2018-E-II (B) dated 15th March, 2018 on the subject mentioned above and to say that the President is pleased to decide that the Dearness Allowance payable to Central Government, employees shall be enhanced from the existing rate of 7% to 9% of the basic pay with effect from 1st July, 2018.

2. The term ‘basic pay’ in the revised pay structure means the pay drawn in the prescribed Level in the Pay Matrix as per 7th CPC recommendations accepted by the Government, but does not include any other type of pay like special pay, etc.

3. The Dearness Allowance will continue to be a distinct element of remuneration and will not be treated as pay within the ambit of FR 9(21).

4. The payment on account of Dearness Allowance involving fractions of 50 paise and above may be rounded to the next higher rupee and the fractions of less than 50 paise may be ignored.

5. These orders shall also apply to the civilian employees paid from the Defence Services Estimates and the expenditure will be chargeable to the relevant head of the Defence Services Estimates. In respect of Armed Forces personnel and Railway employees, separate orders will be issued by the Ministry of Defence and Ministry of Railways, respectively.

6. In so far as the employees working in the Indian Audit and Accounts Department are concerned, these orders are issued with the concurrence of the Comptroller and Auditor General of India. 

(Nirmala Dev)
Deputy Secretary to the Government of India

McCamish Update : New Patches deployed in Production on 05.09.2018

PoTools,McCamish,Patch Deployment
Dear SPOCs
Following patches were deployed on 05.09.2018 McCamish
16814 Bulk upload should not be allowed , if total payment in feed file exceeds the amount in suspense for that group.
16928 If the transaction is made with an amount that is more than the premium, it needs to be adjusted for subsequent month. (Validation in to_Date in collection option)
16938 Change to adjust premium amount paid during the initial collection. Total Amount collected should be adjusted according to planned premium + GST and PTD should be accordingly
16931 Calculation logic for Yugal Suraksha product  Minimum(21 years) and maximum(45 years) age  for primary and secondary insurants
16932 Date of proposal should reflect as date of commencement of risk in Duplicate premium receipt generated.

With regards
Centre for Excellence in Postal Technology

Analysis: India Post Payment Bank: Postmen as Bankers

The new India Post Payments Bank will take banking to the doorstep by using India's mammoth network of post offices. Postmen will perform digital transactions on their phones. That's raising concern among security leaders, who recommend adopting defense-in-depth security.

The new bank is designed to serve a largely low-income population with little banking experience, muchless experience with mobile or online technology. So these customers are particularly vulnerable to social engineering.

"They are most prone to threats, including remote exploits (network-based attacks), phishing, ransomware and cyber-espionage," says Aditya Khullar, technical leader-cybersecurity at Paytm, a e-commerce payment system and digital wallet company. "Malicious users may attempt unauthorized access through hand-held devices, too."

As a result, many security practitioners recommend the bank implement new, strong authentication methods and develop a security team.
Banking Service for the 'Unbanked'

India Post Payments Bank is incorporated as a public sector company under the Department of Posts with 100 percent government equity; it's governed by the Reserve Bank of India.

IPPB, under the ministry of communications, enables three lakh postmen and Grameen Dak Sewaks, or postmasters, to digitally deliver financial services.

At the launch in Delhi this week, Prime Minister Narendra Modi said: "The growing pace of technology in communication threw a challenge, and we used technology as a base to turn that challenge into an opportunity to convert postmen into bankers delivering financial services to the rural sector."

IPPB will be available through 650 branches and 3,250 access points immediately, scaling to all 1.55 lakh post offices by December 2018.

IPPB accepts deposits up to Rs 1 lakh and offers remittance services, mobile payments/transfers/purchases, debit cards, internet banking and third-party fund transfers.

Communications Minister Manoj Sinha says deposits above Rs. 1 lakh will be automatically converted into post office savings accounts. "The bank is permitted to link around Rs. 17-crore postal savings bank accounts with its own setup, including 1.4 lakh bank branches, nearly 50,000 of them in villages, which face a challenge reaching the 'unbanked'," Sinha says.
Security in Question

Suresh Sethi, managing director and CEO of India Post Payment Bank, says in an interview with Livemint: "There is a lot of focus in ensuring all RBI guidelines regarding establishing the bank are met, including creating the right customer-facing processes and compliance with end-of-day balances."

He adds: "We are giving postmen smartphones, on which a mobile agent app will be installed, and a biometric authentication device, all connected on a real-time basis with our core banking system. It will meet stringent RBI guidelines to ensure each transaction is online. We've invested in very high-end technology capability for ensuring our applications are simple, intuitive and leveraging RBI's payment and settlement system, which makes them affordable and helps take interoperable services to the last mile."

Singapore-based Tom Wills, director of Ontrack Advisory Pte. Ltd., a security consulting firm, says the new bank will face the same threats all banks face. "However, its new remote service delivery model using mobile devices carried by postmen needs special attention; it's practically guaranteed that fraud will be attempted from day one," he says.

"Biometric authentication will provide protection against hacking and many types of identity fraud, though not against social engineering (fraudsters persuading a legitimate user to send them money). No system in the world is able to stop that because it's a human, not technical, attack."

Dharshan Shanthamurthy, founder & CEO at SISA Infosecurity Pvt. Ltd., a payment specialist firm, says: "Regarding postal payments services, if biometric authentication is placed as an additional factor, not as a primary factor, it can contain fraud risks, as payment infrastructure is a very lucrative target for fraudsters."

The biggest challenge, says Mudit Rastogi, senior vice president-India and APAC at Aujas Networks, a managed service provider, is delegating responsibility for delivering services to those who are not technology savvy. The handheld devices that are critical endpoints for banking are prone to fraud, he adds.

K.K. Mookhey, CEO at Network Intelligence, a cybersecurity consulting firm, expects IPPB will face risks different from other banks, particularly if the networks of the post office and for banking transactions are not segregated.
Building in Security

IPPB will not require the use of debit cards. Instead, it will rely on issuing new QR (Quick-Response) cards that use biometric authentication, not passwords or PINs.

IPPB has already launched its app, which can be used for mobile banking and opening an Aadhaar-based account without visiting a post office, according to Live Mint.

Mookhey argues that IPPB needs to appoint a CISO to drive governance and implement a proper organizational structure for policy and process adoption. "It's a green field project, so it's easier to build security by design and ideally design the security architecture to address network, operating system, database and application security," he says.

Khullar believes IPPB should focus on ensuring defense-in-depth as it builds the infrastructure. "Known as layered security or layered defense, it describes the practice of combining multiple mitigating security controls to protect resources and data," he says.

Rastogi supports Khullar's argument for a layered security model with multifactor authentication which would help in establishing a secure transaction through handhelds.

"IPPB should have an in-house cybersecurity team ... to enable thwarting attacks/exploits proactively," Khullar recommends.

Ideally, IPPB should use multimodal biometrics, Khullar says, using more than one characteristic feature, such as fingerprint and facial recognition, or capturing multiple sets of the same trait through different sensors, enabling stronger, foolproof authentication. "Combining individual measurements - called biometric-fusion - increases robustness," he says.

Ontrack's Wills says IPPB should build a security ecosystem, segregating the bank network into back-end and front-end. "The back-end, operated within the bank's enterprise IT environment, will be secured just like any other bank back-end," he says. "The front-end is what's new, with mobile devices being carried by Grameen Dak Sewaks and postmen.

"Special attention must be paid to securing transactions and sensitive personal data across the global system for mobile communication and mobile network, and in the devices themselves. Transaction security here is addressed by biometric + QR code reading process, and, I would assume, encryption of transaction data as it travels across the network. Security of the device itself is not discussed, but it must consist of access controls (usually a PIN) plus addressing the special requirements of mobile application security, such as preventing fake apps from being created and downloaded and preventing any malware on the device from accessing the mobile app."

GDS Unions programme of action on GDS issues

GDS Unions - Agitational  programme  and charter demands were discussed and listed below by AIGDSU, AIPEU-GDS and AUGDS

Accident Insurance worth Rs.2 Lacs at just Rs.12 pa [PMJJBY&PMSBY]

Encouraging Railway Employees to enrol themselves under Pradhan Mantri Suraksha Bima Yojna (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY)


Headquarters Office,
Personnel Department,

Dated: 03-09-2018

All Concerned
Sub: Encouraging Railway Employees to enrol themselves under Pradhan Mantri Suraksha Bima Yojna (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY) –reg.

Ref:- Railway Board’s letter No. 2018/E(LL)/RSBY/1 Dated 03.08.2018.

Railway Board vide their letter cited, have advised to encourage the Railway Employees to enrol themselves for Insurance coverage under Pradhan Mantri Suraksha BimaYojna (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojna Bima Yojna (PMJJBY) to move towards creating a universal social system. The following are the brief details of the Schemes:-
S.No. Scheme Age Group Yearly Subscription Insurance Coverage
1. Pradhan Mantri Suraksha Bima Yojna (PMSBY-Life Insurance)) 18-50 years Rs.330/- Rs.2,00,000/-
2. Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY-Accident
18-70 years Rs.12/- Rs.2,00,000/-
Accordingly, Personnel Department/Headquarters has planned the course of action for conduct of “Pradhan Mantri Suraksha Bima Yojna and PMJJBY Mela” exclusively for Railway employees working in Headquarters area to enrol themselves for the above Bima Yojnas. The following documents are required for enrolment.

1) Aadhar Card (Xerox) -2 copies
2) PAN Card (Xerox) – 2 copies
3) Details of the Nominee with the details of Name, Relationship & age etc.
4) The nominee should be a major (Aadhar Card Xerox to be submitted)
5) Copy of Bank Pass Book (First Page)
6) Latest Passport size Photos-2

The “Pradhan Mantri Surakshan BimaYojna and PMJJBY Mela” is fixed to be organised on 12.09.2018 from 09.00hrs. to 17.00hrs. at Butterfly Shed/ Rail Nilayam/ Secundarabad. The Officials of Syndicate Bank/Rail Nilayam Branch, State Bank of India.Himmat Nagar Branch and Lallaguda Branch are participating in the Mela for enrolment.

It is therefore requested to attend the “Pradhan Mantri Suraksha BimaYojna and PMJJBY Mela “ on 12.09.2018 form 09.00hrs. onwards along with the required documents mentioned above to enrol themselves and reap and the benefits of these Schemes at a miniscule annual premium. Wide publicity may be given among the staff for enrolment.

Dy. CPO/IR&Res.
For Principal Chief Personnel Officer


Promotion and postings in Postal Service Group 'B' Cadre 2012 to 2017 [Important DOP Orders]

Departmental Examination Study materials for 2018-19 exams

All Books are in English Version only.



1. Master Guide for IP Examination2017-18.+SUPPLEMENT TO MASTER GUIDE TO IPOS EXAM 2018-19(IN THE FORM OF BOOK LET- 2018-19) cost Rs 200/-. PLEASE Remit Rs 1650/- +200 ( For supplement) + Postage 35/-. total Rs.1885/-NB: Those who purchased Master Guide for IPOs 2017-18 may get supplement,Booklet, by remitting Rs 225/-only

2. Master guide for PSS Gr B exam/Sr. PM exam.(2016-17) Cost Rs1450 including postage.(with Book let 2017-18 ) LIMITED STOCK.

3. Master guide for PM grd. I. exam 2015-16 cost RS.1400 with book let.(Postage free)

4. Master guide for LGOs to PA/SA. Cost 550 + 25postage. (Total Rs 575/-) 2017-18

5. Master guide to MTS /Postman Exam 2018-19 (Including outsiders) .COST of the book Rs 650 (including Postage) Only English version.

NB: Those who need the above books may remit full amount by e-MO only 
to RK.TRADERS ....above address.(Not to VK Balan)

No cod/Vp service.Book be sent by Regd post.Books. Published by NELLIKKAL PUB
AUTHOR V.K Balan Retd SSPOs. Contact no..0 9947414885.. MOB.R.K.TRADERS NO.09188279891.

Dedicated to Postal/RMS Employees" Better You Know Series.DEDICATED SERVICE FOR LAST TWENTY YEARS.
" Rush your orders." Limited stock. 

V.K. Balan
Retired SSPOs
Nellikal House, Anniyartholu PO
Kattappana South, Idukki 685515
04868-270707 & 09947414885