The POST

has
evolved

northeast@work summit
MS Bali. CPMG Assam
Shillong . 14 November 2006
 INDIA POST ● NETWORK

Urban POs Post Offices Rural POs

16,520 1,55,699 139,149
10.6% 89.4%

Departmental Extra Departmental

PSSKs Post Offices Post Offices
6400 26,040 1,29,629

Urban POs Rural POs Urban POs Rural POs

14,017 12,023 2503 1,27,126
 COMPARISON WITH
OTHER NETWORKS
COUNTRY AREA NETWORK PERSONS TRAFFIC REVENUE EXPENDITURE
(Million (No. of POs) EMPLOYED (Domestic (In million (In million SDRs)
Sq Kms) Letter Post) SDRs)

USA 9.629 37,579 8,26,955 1,89,416 46116.42 43002.70

China 9.596 63,555 6,41,000 10,339 4287.01 4282.67

Australia 7.741 3,853 35,427 4,950 2003.30 1756.60

India 3.288 1,55,669 5,65,922 9,600 606.68 814.22

Source: UPU Statistics

 TECHNOLOGY INDUCTION
Sl Computerisation Activity No. Done Target
10th Plan
1 Head Offices 839 839 839
2 Sub Post Offices 25,219 5345 6861
3 Registration Sorting Offices 473 69 100
4 Head Record Offices 70 32 48
5 Transit Mail Offices 219 28 Nil
6 Administrative & Accounts Offices 590 72 267
7 Automated Mail Processing Centres (AMPCs) 2 2 2+2
India Post has an in-house Software Development Centre at Mysore. Similar facility
has been set up at Kolkata, Chennai and Hyderabad. India Post has developed the
following softwares in-house:

Meghdoot comprehensive Post Office software

Speednet web based track & trace software
Web based customer care management software
VSAT money transmission
Inventory management
ePayment web based ePayment software
 POSTAL LIFE INSURANCE
• Postal Life Insurance (PLI) started in1884, is available only
for Government and Public Sector employees
• 3,44,403 PLI policies issued in 2004-2005 for a sum
assured of Rupees 3830.64 crore
• Average annual growth rate of 29% for PLI
• In a major innovation, Rural Postal Life Insurance (RPLI)
was introduced in 1995
• 13,35,847 RPLI policies issued in 2004-2005 for a sum
assured of Rupees 7207.96 crore
• Average annual growth rate of 88% for RPLI
• India Post is now the second biggest life insurer in India,
and, arguably, the biggest life insurer in rural India.
 FINANCIAL SERVICES
Post Office Savings Bank
Instrument Number of Total Amount
Accounts deposited
(Rupees In crore)

Savings Accounts 5,47,42,492 13,367 Income of India Post from

Post Office Savings work

RD Accounts 6,07,15,388 33,963 2003-2004 Rs. 1760 crore

2004-2005 Rs. 2030 crore
2005-2006 Rs. 2400 crore
TD Accounts 57,76,513 24,067 (Estimated)

MIS Accounts 1,69,87,828 1,13,386

NSS Accounts 8,95,838 4,133
PPF Accounts 17,30,008 12,267
 FINANCIAL SERVICES
Public Private Partnership & FINANCE MARTS

• Non life insurance (OIC),

• Mutual Funds (SBI, PNB, UTI, IDBI Flexibonds,
ICICI tax savings bonds)
• Government Securities (IDBI)
• International Money Transfer (Western Union)
• 300 FINANCE MARTS (one stop shops for all
financial products) being set up
 FINANCIAL SERVICES
Money Transfer Services
• International Money Order
• International Money Transfer (Western Union).
2004-2005 revenue Rs. 11.6 crore. 2005-2006
expected to be Rs. 23 crore
• Domestic Money Order
• Telegraphic Money Order
• Speed Post Money Order
• Instant Money Order a web based,
iMO
instant, online money transfer service.
• CORE BANKING is on its way
Instant Money Order - iMO
• To meet immediate fund
transfer requirement of
customers, iMo facility for
transfer of funds upto Rs.
50,000 has been introduced.
• Available in select cities at
the moment, would soon be
extended to other cities also
________________________________________________

The RBI Committee noted that transfer of funds

within the NE Region and from/to the region
takes an inordinately long time – largely due to
delay and cost involved in transfer of funds
through the banking system in the region.
 ePayment Post facility
Remittance Collection
Advice Statistics
Biller
• ePayment Post developed in
Postal HQ
consultation with the National
committee of CII on eBillPost Server

eCommerce Collection Data

• ePayment Post allows
collection of bills or any other Pays Bill

payment from many persons,

consolidation electronically
thru a web based system, and
transfer to biller in quick time Post Office Customer
from one point.
 Bridging the digital divide
• epost allows printed or even handwritten messages
to be scanned at the epost centres and transmitted
as email through internet.
• At the destination epost Centres, the messages are
printed, enveloped and delivered through postmen
like other letters at the postal addresses.
• Messages can also be delivered to any email ID
• epost can also be booked from customer’s home or
office by logging on at epost portal
indiapost.nic.in The customer has to register as a
user, and can make payment through a prepaid
card that is available from selected Post Offices.
At present, only text messages can be sent in this
mode.
• Charges for epost are Rs. 10 per A4 size message
 National Rural Employment
Guarantee Scheme - NRGES
• Post Offices to act as the disbursing points for
payments under NRGES
• Beneficiaries open SB accounts. Payment made
centrally at BDO level to Post Office, which
credits the beneficiary accounts
• No leakage – low administrative cost of 2%
• Already working in Andhra and Maharashtra.
Details can be seen at www.aponline.gov.in
Common Service Centres - CSCs
• eEnabled CSCs to be set up in Post Offices all
over India in Public-Private partnership
• Necessary framework created. Roll out started in
Uttarnchal and Rajasthan
• Nearly 20,000 CSCs by 31.12.2006
• Practically all towns and villages with Post
Offices to be covered by 31.3.2007
• CSCs to provide VSAT based e-access to
information and services like revenue and land
records, health services, mandi information,
procurement of seeds, fertilisers, entertainment,
education, other goods and services.
 INDIA POST in NORTH EAST
State Post Average Savings PLI & RPLI
Offices Population Accounts business 2005
per PO (Rs in crores)

ASSAM 4006 6648 10,30,066 117.25

ARUNACHAL 300 3637 68,778 16.34
MANIPUR 697 3422 93,005 0.35
MEGHALAYA 486 4744 2,67,041 2.37
MIZORAM 405 2200 1,02,176 4.68
NAGALAND 328 6062 46,279 1.90
TRIPURA 716 8759 6,86,316 7.92
NORTH EAST 6938 5067 22,93,661 150.81
•Average population served per PO in North East is 5067. compared to
19,885 per bank branch
 INDIA POST in NORTH EAST
State Post Offices Computerised Computerised
and networked
ASSAM 4006 119 119
ARUNACHAL 300 15 15
MANIPUR 697 13 13
MEGHALAYA 486 27 27
MIZORAM 405 8 8
NAGALAND 328 8 8
TRIPURA 716 48 48
NORTH EAST 6938 238 238
 RBI Committee
identified the PROBLEM
• Financial inclusion in North East is low
• Compared to 59 bank accounts per 100
adults at the national level, the figure for
North East is 37 only
• Number of bank branches in NER is low.
There are only about 2000 odd bank
branches in the region
 RBI Committee
identified the SOLUTION
• Banks to use …. trusts or post offices to increase their
outreach in NER
• Having regard to trusted relationship that the people have with
post offices and postmen, banks could gainfully appoint post
offices as their business correspondent.
• There are about 8000 post offices in the region as against
2000 odd bank branches and these post offices can be used
for achieving the ultimate target of 100% financial inclusion.
• Banks could also identify well respected local persons like …
postman ... to act as business facilitators or relationship
managers to source clients, marketing bank products and
helping recovery without undertaking cash transactions.
 So, INDIA POST offers
besides the best mail & delivery services

• ePayment facility for web based bill collection

• ePost for electronic transmission of messages to be
printed and delivered as letters
• CSCs affording e-access in villages and towns to
information, services and goods
• A range of money transfer services, including iMO
for instant money transfer
• An opportunity to banks and financial services to
increase their outreach through the biggest retail
network in the world.
• A highly cost effective and efficient means for
disbursal of payments under the NRGES –
ensuring zero leakage.
 THANKS

Chief Postmaster General, Assam

cpmg_asm@indiapost.gov.in
www.indiapost.gov.in