LIST OF EMPLOYEE BENEFITS IN NATIONAL INSURANCE

HOTEL CHARGES

Major cities Area I Other

CLASS places
Scale VI & VII 4000 2000 1750
Scale IV &V 2500 1500 1300
Scale II&III 1500 1000 800
Scale I 1000 750 500
Class II 900 675 450
Class III 800 600 400
Class IV 700 525 350

Major cities: Ahmedabad, Mumbai, Bangalore, Calcutta,

Area I : Pune, Nagpur, Kanpur, Surat, Jaipur and Lucknow, Vizag,

HALTING ALLOWANCE
A Class city B Class C Class
city city

Scale IV to VII 600 550 500

Scale I to III 550 500 400
Dev Officers 400 300 250
Sr Asst/Steno 400 300 250
Asst/RC 350 250 200
Sub Staff 300 200 150

A class cities : Mumbai, Navimumbai, Kolkata, New Delhi, Faridabad, Ghaziabad, Noida,
Gurgaon, Chennai, Agra, Ahmedabad, Bangalore, Bhopal, Coimbatore, Gandhinagar, Goa,
Hyderabad, Indore, Jaipur, Kanpur, Kochi, Lucknow, Ludhiana, M adurai, Nagpur, Patna

B Class Cities: Agartala, Amaravati, Aizwal, Aligarh, Allahabad, Amritsar, Asansol, Aurangabad,
Blgaum Bhavnagar, Bhubaneswar, Bikaner, Chandigarh, Cuttack, Dehradun, Dhanabad, Durg
Bhilai, ok, Guwahati, Gorakhpur, Guntur, Gwalior, Hubli, Imphal, Itanagar
C CLASS CITIES: ALL OTHER PLACES

Brief case limits

Scale VI & above 2500

Scale IV, V and above 2150
Scale II &III 1850
Scale I 1500
Dev Officer 850
The above limit is inclusive of Sales Tax and other suppl. Taxes.
The frequency of the reimbursement is 3 years
Honorarium for Internal and external faculty for training

Officers from our Industry : Rs.200/- per 90 min session

Outside faculty Rs.500/- per 90 min session
MCRE

Scheme (80:20) 80% of actuals sub to max 100 ltrs

Conv.Scheme 2002 Quarterly limits

CMD No limit
GM 375
Scale V &VI 300
Scale V other than incharges 250
DM/BM/ Mngr in charge of Metro: 250
RNTB, Dev in charge at RO A class 225
B class 180
C Class 150

Replacement of tyres & tubes:

under 80:20 scheme 80% of cost of after every
Salvage 300
under 2002 scheme After 32000 KM run of the car

Replacement of batteries
80:20 scheme 80% of cost after 18 months from d.o.p.
Salvage Rs.150/-
2002 Scheme After 18 months from date of purchase

LTS
Officers 01/01/odd year to 31/12/even year
All other employees 01/01/even year to 31/12/odd year
A C Sleeper railway for 2000 KMs
Fares include charges for sleeper berths and reservation charges.
The employee and his family members may travel together or separately in 2 groups
Family means spouse, dependent children and dependent parents residing with employee
LTS cane be carried forward to the immediate next block
Partial carrying of LTS to next block is not allowed
LTS can be in the vehicles regd in employee's name/his spouse or in hired ones as pr

EL encashment for all 01/01/even year to 31/12/ odd year

Min requirement for encashment: to avail EL for a cont. period of 15 days
TRANSFER BENEFITS
OFFICERS
TRANSFER GRANT ONE MONTH BASIC SALARY
HALTING ALLOWANCE FOR 30 DAYS FOR C CLASS CITY

Transportation charges
Scale IV and above Actuals, sub max for 90 qntls by goods train
Scale I to III Actuals, sub max for 60 qntls by goods train

PACKING AND FORWARDING CHARGESW

Packing charges: Forwarding charges
Scale VI and above 2500 500/- at each end
Scale IV & V 1800
AM/AO/AAO 1500
SUPERVISORY CLERICAL AND SUBORDINATE STAFF

Transportation charges
Employees drawing salary
Over 5780/- 3601- 3600/-
5780/- below
With family 30 qtls 25 qtls 15 qtls
Without family 10 7.5 5

Packing charges 500 500 350

Transfer grant 1000 750 500
RATE OF TRANSPORT
Distance in Kilometers Rate per km Rs.
Upto 2000 KM 1.40ps
Above 2000 KM 1.10ps
Second trip may be allowed for transfers other than request transfers

VEHICLE LOANS-OFFICERS
Two wheelers No of times
Scale I & II Full value-appr. make max. Rs.50,000/- 3
Four wheelers
Scale IV & V Full value-appr. make max. Rs.250000/- 3

VEHICLE LOANS-CLASS III & IV

Two wheelers 80% of purchase price max Rs.25000/- 3

DEVELOPMENT OFFICERS- VEHICLE LOAN

PETROL CARS 325000
DIESEL CARS 375000
NO EXTRA CHARGE FOR INBUILT AC TO BE BORNE BY DEV OFFICER.

Fixed conveyance allowance to Officers assigned with field duties

For AAO/AO using their own two wheelers 400

For AAO/AO using their own four wheelers 500

LEASE NORMS
Carpet Limit
area Metros A Class B Class C Class
Scale I 75 3965 3490 2950 2500
Scale II 75 3965 3490 2950 2500
Scale III 100 5080 4470 3575 3305
Scale IV 100 5080 4470 3575 3305
Scale V 125 6095 5385 4025 3400
Scale VI 150 5485 4830 3860 NA
Scale VII 200 5485 NA NA NA
Sr Asst 600 sqft 1710 1505 1360 1290

Licence fee 2.5% of Basic pay at the min of the scale

Relaxation 10% in A,B,C and 25% in Metros
Mileage Allowance on official tours undertaken by
Type of vehicle Per k.m.as % of Petrol prices/ltr.
For Cars (Petrol) 12%
For Cars (Diesel) 15%
For 2 wheelers 5%

HOUSE BUILDING LOAN LIMITS

CADRE SCHEME SUPPL TOTAL
LOaN EMENT LOAN
ARY
LOAN
Sub-staff 1.75 2.25 4.00
Record Clerk 2.25 2.75 5.00
Assistant 2.75 3.25 6.00
Sr Asst/Steno 2.75 3.25 6.00
Dev Officer Gr II 2.75 3.25 6.00
Dev Officer Gr I 2.75 3.75 6.50
Scale I&II 3.25 3.75 7.00
Scale III 3.65 4.35 8.00
Scale IV&V 4.00 4.50 8.50
Scale VI 4.00 5.00 9.00
Scale VII & above 4.00 6.00 10.00

Rate of Int on Supplementry loan 7.5

P F LOAN
REASONS FOR REFUNDABLE PF LOAN SANCTION
1 Marriages of dependent relatives
2 Funerals, ceremonies
3 Illness of the employee or his family members
4 Cost of higher education of the dependent children
5 Cost of passage to a place out of India by employee/his family
6 Cost of building a house or purchasing a site, flat etc.
(renovation/repairs is not allowed.)
REASONS FOR NONREFUNDABLE PF LOAN SANCTION
1 Only for housing purposes ex: Purchase of a dwelling/site/house/
flat/apartment.
2 Additional construction/extension(excluding repairs or alterations),
Cost of registration, stamp duty etc.
QUANTUM OF LOAN:
1 FOR MARRIAGE PURPOSE 6 MONTHS BASIC+DA+FPA+PP
2 OTHER THAN FOR MARRIAGE 3 MONTHS BASIC+DA+FPA+PP
3 HOUSING PURPOSE ENTIRE AMOUNT OF THE BALANCE OF PF
OWN CONTRI. (WHETHER REFUNDABLE OR
NONREFUNDABLE.
RECOVERY TERMS
1 For marriage only Maximum 48 equated monthly instalments
2 Other than marriage Maximum 24 equated monthly instalments
RATE OF INTEREST 13% ON REDUCED BALANCE METHOD
NO LOAN IS PAYABLE OUT OF VPF OR COMPANY'S CONTRIBUTION OF PF
VOLUNTARY PROVIDENT FUND
One can make additional contribution in multiples of hundreds, but max is equivalent to Co.'s
INCLUSION OF VPF From first month of every quarter ie.,
April, July, October and January
Dis continue VPF or to alter Only 1st April of subsequent accounting

LEAVES
CASUALLEAVE 12
No Half day Casual Leaves
Maximum CLs can be availed at a time : 5 days
ADDITIONAL No Additional Casual Leaves
RESTRICTED 2 Restricted holidays chosen among the declared RHs
EARNED LEAVE 1 DAY FOR EVERY 11 DAYS of duty
Duty shall mean period of service but not shall include the periods of
Min leave to be availed 7 days and Maximum 120 days
Maximum accumulation 240 days
CA may sanction EL of shorter duration twice in a calender year
SICK LEAVE 30 days Half Paycredit for completed calender year service
Max Accumulation 240 days
Appln, should be supported by Doctor Prescription

SPECIAL SICK NOT EXCEEDING 6 MONTHS PROVIDED NO SICK LEAVE CREDIT

LEAVE FOR 8 ADMISSIBLE FOR DISEASES LIKE
MAJOR DISEASES Cancer, Leprosy, TB, Paralysis, Brain Tumer, Cardiac Ailment, Kidney

MATERNITY FEMALE EMP HAVING < 3 LIVING CHILDREN ARE ELIGIBLE

LEAVE: ENTITLED FOR MATERNITY LEAVE OF 180 DAYS
IN CASE OF MISCARRIAGE ENTITLED FOR 6 WEEKS

EXAMINATION TO ATTEND EXAMS CONDUCTED BY iii, Chartered Institute of

LEAVE Actuaries, Institute of Chartered Accountants of India and Institute of
QUARANTINE IF infectious disease in the household of an employee is present for
Cholera, Smaall Pox, Plague, Diphtheria, Typhus Fever and
Chicken Pox is not considered for quarantime leave.

LEAVE ON LOSS The duration of LOP 3 months in one occasion and

6 months during the entire period of service

ENTITLEMENT TELEPHONE CALLS

OFFICERS
Scale VI &VII NO LIMIT
Scale V 3150+free calls
DMs/BMs 2750+free calls
DEVELOPMENT OFFICERS
Premium income for the preceding year No. of calls
Not exceeding Rs. 3 lacs 2750
Exceeding Rs.3 lacs but not exceding Rs. 8 lacs 3250
Exceeding Rs.8 lacs but not exceding Rs.12 lacs 3750
Exceeding Rs.12 lacs but not exceding Rs. 20 lacs 4500
Exceeding Rs.20 lacs but not exceding Rs. 30 lacs 4750
Exceeding 30 lacs 5000

ADVANCES
FLLOD/CYCLONE ADVANCE 7000/-
FESTIVAL ADVANCE OFFICERS 13000
DEV OFF., SUP/ CLERICAL 11000
MEDICAL BENEFITS
DOMICILLIARY BENEFIT PAYABLE IN LUMPSUM
Basic Amount Max Amt
>20350 6000
upto 20350 4000
Class II- Grade I Basic <10750 1500
Basic>10750 2400
Grade II 1500
Class III &IV 2000

CATEGORISATION UNDER GROUP MEDICLAIM POLICY

Categor
y sum Insured Basic Pay Range
I 110000 18671 above
II 70000 14731 18670
III 70000 upto 14730
GROUP SAVINGS LINKED INSURANCE SCHEME
EMPLOYEES COVERED
PREMIUMS PD BY EMP FOR
BASIC Life Savings
CAT SALARy cover Life cover pre. Total pre.
I 30176 ABOVE 700000 100 300 400
ii 22681 30174 560000 80 240 320
iii 16386 22679 420000 60 180 240
iv 8825 16384 280000 40 120 160
v 4855 8824 110000 47 141 188
vi below 4855 70000 26 78 104

BENEFITS UNDER THE POLICY:

On death whilst in service : Life cover together with member's savings
On retirement or leaving : Return of member's savings accumulation with
GROUP TERM INSURANCE SCHEME
(APPLICABLE ONLY FOR EMPLOYEES OPTED FOR PENSION)
LIFE
CAT BASIC SALARIES COVER LIFE PREMIUM
I 30175 above 400000 100
ii 22680 30174 320000 80
iii 16385 22679 240000 60
iv 8825 16384 160000 40
v 4855 8824 110000 27.5
vi BELOW 4855 70000 17.5
MONTHLY ALLOWANCE PAYABLE FOR IN CHARGES OF TRAINING CENTRES
DESIGNATION ELIGIBLE ALLOWANCE
PRINCIPAL 1200/-
FACULTY MEMBER, NCIL 700/-
PRINCIPAL, RTC 600/-
ATC IN CHARGE 400/-
LOKADALATH ALLOWANCE PAYABLE
WITHIN MUNICIPAL LIMITS 1000
OUTSIDE MUNICIPAL LIMITS 500 + Tour Exps.
 REVISED FSO-1997- UPDATED
DESIGNATION SCALE-1 SCHALE-2 SCHALE-3 SCHALE-4
DEPARTMENT
FIRE, IAR 50,000 1,25,000 10,00,000 15,00,000
M.CARGO 25,000 1,00,000 7,00,000 10,00,000
M.HULL - - 1,12,500 2,25,000
MOTOR OD CLAIM SETTL. 10,000 30,000 1,50,000 2,50,000
SURVEYOR APPOINTMENT 15,000 45,000 2,00,000 3,00,000
MOTOR TP AWARD 7,500 22,500 5,00,000 8,00,000
MOTOR TP L.A. - - 1,50,000 3,00,000
ENGG 10,000 20,000 10,00,000 15,00,000
MISC. JB , BB 5,000 10,000 1,50,000 3,00,000
P. A. in all related Policies 20,000 60,000 3,00,000 6,00,000
MISC.OTHERS 10,000 30,000 1,50,000 3,00,000
ALL LIABILITY CLMS 1,50,000 3,00,000
AVIATION
GUARANTEE BOND
EXGRATIA
COMPROMISE NON TP 20% 25% 33.33%
NON-STD % => NIL NIL 20% 25%
REFUNDS 500 2,000 10,00,000 15,00,000
SALVAGE DISPOSAL - 10,000 5,00,000 25,00,000
BM-
SUR/INVST FEES ACTUALS ACTUALS
EXP NOT COVERED
ADV/LEG FEE-NON TP 1,000 2,500 5,000
AS PER
ADV/LEG FEE-TPNFL OIC NORMS
AS PER
ADV/LEG FEE-TP-FL OIC NORMS
REINSURANCE DEPT
FRESH CONTRACTS
CANCEL-CONTRACTS
RENEWAL-CONTRACTS
SIGNING DOC-RI ACTUALS
CASH CLMS&REL EXP 1,50,000 4,50,000 7,50,000
RENDERING-A/CS ACTUALS
SETTLEMENT-A/CS ACTUALS
REFUNDS 500 2,000 3,000 5,000
CO-INSURANCE ACTUALS
SURVEY/RESEARCH PROJECT
RELATED EXPENSES
REIMBURSEMENT TO GIC/OTHER CO.
CO-INSURANCE SETTL.-A/CS ACTUALS
RURAL INSURANCE DEPARTMENT
EXP. ON FIARS/MELAS/EXIHI. ACTUALS
PURCHASE OF EAR TAGS OIC 5000 15,000 30,000
EAR TAGS FIXING&VET.DR FEE OIC 500 1,000 2,000
ESTATE AND ESTABLISHMENT DEPT.
PRINTING & STNRY 500 1,000 10,000 20,000
CARTAGE,FREIGHT,RENT,POSTAL
CHRGS,PACKING EXP., RATES AND TAXES, POLICY
STMPS, REV. STMPS,SUNDRY COMM.,UNIFORM
WASH CHRGS,ELE CHRGS and expenses for office
upkeep and maintenance 1,000 2,000 10,000 20,000
MAINTENANCE REPAIR&RENEW.
ALL MOVABLES EXCEPT VEHICLES 1,000 2,000 15,000 30,000
IMMOVABLES & VEH.OWNED BY CO 2,000 5,000 10,000
VEHICLES UNDER LOAN SCHEME ACTUALS
PREMISES RENT OIC ACTUALS ACTUALS
HIRE CHARGES-SUNDRY ASSTS 1,000 2,000
TELEPHONE&TELEX/FAX EXP. 2,000 3,000 10,000 20,000
SALE OF OLD NEWSPAPERS/JOUR. OIC ACTUALS
HIRE CHRGS FOR GENERATOR 5,000
PMNTS. TO HIRED WATERMAN/SEC.GURDS
INT.FUR. -COST OF CABINS, FALSE CEILINGS
PERSONNEL DEPARTMENT
SALARY & ALLOWANCES, LTS,LEAVE
ENCASHMENT & ALL AUTHORISED DED. OF
SALARY ACTUALS ACTUALS
OVERTIME WAGES ACTUALS ACTUALS
ON APPROVAL OF CA
EX-GRATIA/BONUS TO EMP. ACTUALS ACTUALS
ADVANCES TO EMP INCL OF HBL & VEH LOANS ACTUALS ACTUALS
GRANT TO EMBS, STAFF RECREATION SPORTS
CLUB ACTUALS
SUBSIDY TO PF TRUST ACTUALS
TERMINAL DUES - EMPLOYEES ACTUALS
EXP SHARED BY GIC FOR
RECRUITMENTS/SPEVENTS ACTUALS
DOCTORS FEE FOR PRE-EMP MEDICAL CHECK UP ACTUALS
OTHER EXP REL. TO RECRUIT. 2,000 5,000
TRAVELLING AND HALTING ALLOW INC OF
ADVANCES 1,000 2,000 5,000 15,000
TRANG EXP- COURSE FEE ACTUALS ACTUALS
HONORARIUM TO FACULTY ACTUALS ACTUALS
ACCOUNTS DEPARTMENT
BANK CHARGES 750 1,500 7,500 15,000
WRITE OFF-LOSSES FROM MISAPPROPRIATION
BAD DEBTS
BOOKVALUE OF ASSETS EXCEPT MONIES REC.
INTERBANK TRANS/INTEROFF TRANSF. & BOOK
TRANSF. OIC ACTUALS ACTUALS ACTUALS
REFUND OF SEC DEPOSIT EXC OF GUA. DEPT. OIC ACTUALS ACTUALS ACTUALS
PAYMENTS TO FORMER SHAREHOLDERS ACTUALS
AUDIT FEES-SAT. AUDITORS ACTUALS
AUDIT FEES-TAX AUDIT ETC. 5,000
DEPRECIATION - ASSETS ACTUALS
INVESTMENT DEPARTMENT
BUYING AND SELLING SHARES,BONDS & REL EXP.
ITEMS COVERED BY GIC ACTUALS
ITEMS NOT COVERED BY GIC
EXP-DEMATERIAL. OF SCRIPS
GENERAL POWERS APPLICABLE TO ALL DEPTS
LOCAL CONVEYANCE 100 200 500 1,000
COMPROMISE SUITS EXCEPT UNDER POLICIES
REPLENISHMENT-IMPREST A/CS OIC ACTUALS
STATUTORY PAYMENTS ACTUALS
PYMNT-EMD &OTHER DEPOSITS OIC ACTUALS ACTUALS
PUBLICATION EXP-PREMISESETC. 2,000 5,000
EXP-PUBLISH.-HOUSE MAGZINES ACTUALS
ADVT&PUB-BUSI. PROMO.EXP
EXP -GIC-SP PROGRAMMES
AGENCY COMMISSION PYMNT OIC ACTUALS
I.TAX DEDUCT-AG COMMIS. ACTUALS
DONATIONS & CHARITIES
CONT. TO LPA,TAC,NIA.III
DIRECTOR,S FEES ACTUALS
EXP-MEETINGS,WORKSHOPS
ENTERTAINMENT EXP
GUEST HOUSE/TRAN. CAMP EXP
LEASING PREMISES-OFFICE/RES
INS-MOVABLE&IMMOV. PROP ACTUALS ACTUALS
LEGAL CHARGES OIC ACTUALS
PROF.FEE-SURVEYORS OTHER THAN CLMS
PURCHASE-LIBRARY BOOKS 2,000
PUR-NEWSPAPERS,JOURNALS ACTUALS ACTUALS
MED EXP-EMERGENCY-EMP. ACTUALS ACTUALS
MISC EXP-PURCHASE-STAMPS 500 1,000 2,000 5,000
CAPITAL EXPENDITURE (OTHER THAN IT/MS GROUP)
IMMOVABLE PROPERTIES
COMMITTEE CONSISTS CMD
PURCHSE-RES./OFFICE PROP.
ADD/ALTER.-EXISTING PROPERTY
PURCHASE/SALE/REPAIRS
MOVA. PROP EX:LIGHTS,FANS 15,000
MOTOR VEH. INC 2 WHEELERS
IT/MANAGEMENT SER GROUP
COMPUTER CONSUM.-PURCHASE 5,000 15,000
AMC-COMPUTERS &COMP.EQUIP. 15,000
IT PROJ. IMP FEES
PUR.-SOFTWARE APPLI., UTILI. 25,000
CONSULTING FEES
TRNG, TECH WORKSHOPS 25,000
SITE PREP.&INSTLLN. COMPUTERS& IT EQUIP 25,000
HONORARIUM-FACULTY-TRNG ACTUALS
PURCHASE AND SALE OF
COMPUTERS/NETWORKING EQUIP. 25,000

NOTE : IN RESPECT OF ALL PACKAGE POLICIES, THE FINANCIAL AUTHORITY IS APPLICABLE AS PER THE DEPT IN
IN CASE OF MOTOR TP L.A. DCC AND RCC LIMITS ARE THE LIMITS OF DICC AND RICC.
O-1997- UPDATED
DCC SCHALE-5 RCC DGM GM CMD HCC

30,00,000 40,00,000 80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS

15,00,000 30,00,000 50,00,000 75,00,000 1,50,00,000 3,00,00,000 ACTUALS
5,00,000 7,50,000 15,00,000 30,00,000 75,00,000 1,50,00,000 ACTUALS
3,50,000 6,00,000 7,50,000 10,00,000 20,00,000 30,00,000 ACTUALS
5,00,000 8,00,000 10,00,000 15,00,000 20,00,000 30,00,000 ACTUALS
12,00,000 15,00,000 20,00,000 25,00,000 40,00,000 75,00,000 ACTUALS
10,00,000 500000 5,00,000 1800000 - - ACTUALS
30,00,000 40,00,000 80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS
5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS
10,00,000 15,00,000 18,00,000 25,00,000 75,00,000 2,00,00,000 ACTUALS
5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS
5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS
5,00,000 20,00,000 50,00,000 1,00,00,000 5,00,00,000 ACTUALS
50,00,000 1,00,00,000 2,00,00,000 ACTUALS
25000 1,00,000 UNLMTD(BOARD)
40% 50% 60% 70% 80% 90% 100%
40% 50% 60% 70% 80% 90% 100%
25,00,000 ACTUALS ACTUALS ACTUALS - - -
- 50,00,000 - - - - ACTUALS

ACTUALS
ACTUALS

ACTUALS
ACTUALS
ACTUALS

15,00,000 ACTUALS

50,000 1,00,000 5,00,000 ACTUALS

25,000 75,000 1,50,000

ACTUALS

ACTUALS
ACTUALS

ACTUALS
 ACTUALS

1,00,000 ACTUALS
20,000 50,000 ACTUALS

5,000 10,000 ACTUALS

ACTUALS

ACTUALS
ACTUALS
25,000 50,000 2,00,000 10,00,000 50,00,000

10,000 ACTUALS

ACTUALS

ACTUALS
20,000
OIC ACTUALS

10,000 20,000

ACTUALS
ACTUALS
 ACTUALS
ACTUALS

HO- ACTUALS
20,000 50,000 ACTUALS

15,000 50,000 ACTUALS

ACTUALS

ACTUALS
ACTUALS

10,000 30,000 50,000 ACTUALS

3,000 7,500 ACTUALS
ACTUALS
50,000 1,00,000 2,00,000 BRD-ACTUALS

10,000 25,000 ACTUALS ACTUALS

3,000 ACTUALS

10,000 50,000

15,00,000 50,00,000 BRD1,00,00,000

15,00,000 50,00,000 BRD-ACTUALS
50,000 2,00,000 5,00,000 15,00,000

40,000 2,00,000 5,00,000 20,00,000

1,50,000 3,00,000 ACTUALS

50,000 1,50,000 5,00,000 10,00,000

50,000 1,50,000 5,00,000 15,00,000 BOARD> 15,00,000
50,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,000
50,000 1,00,000 5,00,000 25,00,000 BOARD >25,00,000
50,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,000
50,000 1,00,000 5,00,000 ACTUALS
50,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,000

BOARD >25,00,000
50,000 1,00,000 10,00,000 25,00,000

CABLE AS PER THE DEPT IN WHICH THE CLAIM ARISES.

 NATINSURE MUTUAL BENEFIT SOCIETY
LIST OF BENEFITS

BENEFIT BASIS QUANTUM

1 Reimbursement of Cost of Text Books of the Children of the members.
Studying in classes :-
a) Upto Xth Std./Level 600/-
b) Above Xth Std./Level 600/-

(Maximum of R.600/-Payable once in an academic year) per year per member in case
more than one child is entitled to get the benefit.
2 Award to Children
i) Madhyamik/S.S.C or H.S.C./Intermidiate/Equivalent Examination
a) On securing above 50% marks 100/-
b) On securing above 65% marks 180/-

ii) B.A./B.SC./B.Com from recognised University.

a) On securing above 50% marks 150
b) On securing above 65% marks 225

iii) Medical/Engineering Degree course:

On securing above 60% marks 400/-
(Max 400/- per year per member)

3 Relief for Higher Education ( for promising children of the members)

On passing with minimum 60% marks in three consecutive
years i.e Class VIII, IX & Madhyamik/ S.S.C./ S.S.L.C.( Xth Std.)
Examination or class X,XI & H.S.C. (XII th std.) Examination
and studying in next higher class :-

a) In Arts / Commerce Stream (i.e in class XI or in Degree Course) 500/-

b) In Science Stream (i.e in class XI or in Degree Course) 600/-
c) Medical / Engineering stream under Degree Course 800/-

4 Reimbursement of I.I.I. Examination Fees.

On successfurl completion of the entire/ part of I.I.I. Exam. ACTUALS
i.e. Licentiate/ Associateship/ Fellowship

5 Educational Relief to Sub-staff

On passing SSC and HSC (10+2) -
200/-
( Only once during the service period )

6 Reimbursement of Cost of Educational Equipment for Special Child

For the Special Children of the members studying in Special 900/-
Institutions e.g. Spastic Society of India etc., having registration
under I.T. Act, for the purpose of exemption.

7 Training in Craft & Typing

Only fees payable to member/his wife unmarried daughter /
100/-
dependent mother
 8 Reimbursement of Hospitalisation and Operation Expenses
On staying as inpatient the following are the benefits.
For Ordinary Diseases/Surgery 2000/-
For Maternity Expenses only 1000/-
For Dreaded Disease as per list of the Co. 3000/-
To and fro AC-2 Tier Rly. Fare for patient
Meternity Claim, only the exp. incurred during Hospitalisation, once in life time.
For treatment of Dreaded Disease(as
Members will have to claim at the first instance from the Co against Exgratia Medical Reimb
under Mediclaim /any other sscheme and the residual amount the member can claim from
the society.
9 Grant for Healthy Sports activities
( Foot-ball, Cricket, Volley/ Basket ball, Badminton,T.T/ Lawn Tennis, Swimming, atheletics
etc. ) For members, spouse and their dependent children
a) For Representing Country 2500/-
b) For Representing State 1000/-
c) For Representing District 500/-
d) For Representing University 500/-

10 Funeral Grant
On death of a Member as funeral expenses 1000/-
11 Retirement Memento
For Retired Members as token of good wishes 600/-

12 Supplementary Death Relief Scheme

Payable to the P.F. nominee/s of the deceased member who is
enrolled under this optional scheme on collection of Rs. 5/- per 50,000/-

13 Retirement Benefit Scheme

Payable to the retired member who is enrolled under this optional scheme 13,000/-
on collection of Rs.m2/- per member approx.

14 Holiday Home Facility

The 9 holiday homes of NMBS :

Puri, Goa, Nainital, Ooty, Hardwar, Gangtok, Varanasi,Panchmar and Mount Abu
Members can apply for booking in prescribed form maximum 90 days in advance for a
period of 5 days from 1st to 5th, 6th to 10th, 11th to 15th, 16th to 20th, 21st to 25th and 26th
to 30th/31st of every month
Room Rent:
For members and their family: Rs. 10/- per day per room.
(Minimum Rs.50/- for a period of 5 days booking)
For accompanying guests: Rs. 50/- per guest per day.
15 Holiday Home Travelling Fare
To & fro journey rail/bus fare by shortest route from nearest stationto the place of holiday
home for membr, spouse, dep. Children and dep parents cost of max four full sleeper 2 nd
class rly tickets inc of reserv. Charges. Once in 5 years in a particular place.

16 Holiday home for retired members

Retired Members can enjoy NMBS Holiday Homes.
There is no provision for reimbursement of travelling fare for visiting holiday homes
Room Rent Rs.50/- per day and max. 250/- per 5 days booking.
Security deposit Rs.500/-
 SURVEY AND LEGAL FEE SCHEDULE
FIRE AND ENGINEERING SURVEY FEE SCHEDULE
ASSESSED LOSS SURVEY FEES
Up to 50,000/- 8% of assessed loss sub min. 1,250/-
50,001 to 1,00,000/- 4,000/- +2% on bal above 50,000/-
1,00,000 to 10,00,000/- 5,000/- +1.5% on bal above 1,00,000/-
10,00,001 to 25,00,000/- 18,500/- +1.25% on bal above 10,00,000/-
25,00,001 to 50,00,000/- 37,250/- +1.00% on balance above 25,00,000/-
50,00,001 to 1,00,00,000 62,750/- +0.75% on bal above 50,00,000/-
1,00,00,001 to 5,00,00,000/- 1,00,250/- +0.35% on bal above 1,00,00,000/-
Above 5,00,00,001/- 2,40,250/- +0.10% on bal above 5 cr min 6 lacs

LOSS OF PROFIT
ASSESSED LOSS SURVEY FEES
Upto 5,00,000/- 200% of Material Damage Fees
5,00,001 to 10,00,000/- 21,000/- + 150% of fees for Mat. Dam. on bal amt > Rs. 5 lacs
10,00,001/- to 1,00,00,000/- 37,125/- +100% of fees for Mat. Dam. On bal amount > Rs. 10 lacs
Above 1 cr. 1,36,625/- +70% of fees for Mat. Dam. Exceeding 1 cr max. 5 lacs

MOTOR SURVEY FEES

ASSESSED LOSS SURVEY FEES
Up to 20,000/- 500
20,000 to 50,000/- 750
50,000/- to 1 lac 1000
1 lac to 2 lacs 1500
Above 2 lacs 2000/- +0.5% of balance. Max. 3,000/-
Misc and Sp Type of Vehicles Scale of Fire and Engg Scales

MARINE CARGO SURVEY FEES

Cat A Cat B Cat B
Damage to all types of cargoes
Exceeding 5 hrs per day 3,500/- 2,500/- 1,500/-
MAXIMUM FEE PAYABLE 35,000/- 25,000/- 15,000/-
Not exceeding 5 hrs per day 1,750/- 1,250/- 750/-
Claims of Non-delivery/shortages 1,750/- 1,250/- 750/-

MISCELLANEOUS DEPARTMENT

Schedule of fees Scale of Fire & Engg survey fees

Doctors Fees for Mediclim and health policies 500

Survey fee for Total Loss Claims 75% OF Fees prescribed for normal claims
Valuation of vehicle 500
Investigation for OD Claims 500/- + out of pocket expenses
Reinspection/Spot survey fee 350
Reinspection/Spot sur fee above 80 KM 500/-
Spot Survey fee involving overnight stay away from
normal place of work 150% of scale
S fee for services of salvage handling fee and actual
expenses 5% of value realised
Preliminary Survey fee Rs. 3000/-irres of surveyor cadre.
Joint Survey Fee 133.33% of schedule
Fees payable to the surveyors where assessment of
Category A 4000/-
loss not required Appearance in a
Category B 3,000/-
court/tribunal/ombudsman/consumer forum etc.per
day Category C 2,000/-
Additional Fees to be payabvle at the discretion of
AGM 150% OF Survey Fees
the Company for special efforts reuired for
GM 200% of the survey fees
assessing loss in respect of complicated claim,
payment of additional fees is as follows HCC Exceeding 200% of survey fees.

CONVEYANCE EXPENSES
A Class cities 300/-
Local Conveyance within local Municipality
Other places 200/-
For trips outside municipal limits
Distance travelled <350 kms 15% of local litre petrol cost
In Own car
Distance travelled >350 kms Prior approval of appnt auth
BY Taxi Prior approval required. actual taxi fare sub max mileage allowance
By own 2 wheeler To be fixed by the appointing authority
Category A surveyors Air (Econo)/AC II Tier
By Train
Category B and C Surveyors AC II tier
For trips outside municipal limits 15% of litre petrol cost per km sub to min. of Rs. 125/-.
Reimbursement on actual Category A surveyors Air (Econo)/AC II Tier
basis subject to a maximum Category B and C Surveyors AC II tier

HOTEL CHARGES
Maximum Allowable : For stay in ITDC hotel or 3 star AC single room

HALTING ALLOWANCE per day

Class A City 500
Class B city 400
Class C city 300
Period exceeding 12 hours same as for one day
Period 6 hours to 12 hours 50% of one day allowance
Period below 6 hours 30% of one day allowance

Photograph charges
Colour photograph 10
Digital photograph 15

T P CLAIMS

INVESTIGATORS' FEES 1000/-+conveyance expenses by public transport

DL VER FEE
DL VER FEE WITHOUT END 300
DL ver fee with endts. 400
ADVOCATE FEE IN SUITS AND MARINE RECOVERY CASES
Suit value fees to be paid
Upto 10,000/- 10% of the claim amount
10000 to 20,000/- 1000+7% of the claim amount
20000 to 50,000/- 1700+5% of the claim amount
Above 50,000/- 3200+2% on the balance claim

ADVOCATE FEE STRUCTURE IN MOPS

A CLASS CITIES 6000

B CLASS CITIES 5000
C CLASS CITIES 4000

For cases of multiple cases arising out of same accident

First case 100%
For second case 50%
Rest of cases 20%

For settlement in LOK ADALATH

Clm settl. After filing WS in court 100% of the fees

Clm settl. Before filing WS in court 75% of the fees

For legal opinion in respect of TP cases 1000/-

For TP Property Damages (TPPD)

Where liability is up to Rs.6000/- 2000/- + actual exp max. 500/-
Where liability exceeds Rs.6000/- Fees as oer MACT schedule

WC COURT CASES ADVOCATE FEES 4000/- +EXP MAX 500/-

ADVOCATE FEES- CONSUMER FORUMS

In Metros 6000/- inc of exp.

District Forum
Other cities 5000/- inc of exp
State Forum 7500/-+10% clerkage +exp
Expenses: for co preferred cases 2000/-
preferred against the co. 1000/-
Petition filed by the Co 15000/- +10% clerkage &act. Exp
Petition against the Co. 12000/-+ 10% clerkage+act. Exp.
In case of Multiple cases
National Commission (NCDRC)
First case 100%
Second case 50%
Rest of cases 10%
HIGH COURT APPEAL AGAINST MACT AWARDS 7500/-
15000/-+10% CLERKAGE & ACT. EXP.
Multiple cases
SUPREME COURTAGAINST DECISIONS
First case 100%
OF NCDRC &MACT AWARDS
Second case 50%
Rest of cases 10%

If case is dismissed 50% +25% addnl at discretion of

GENERAL GUIDELINES
GM/RM
 SURVEYORS ELIGIBILITY AND DO LIMITS FOR APPOINTMEN
SURVEYORS LIMITS OFFICE
DEPARTMENT CAT-A CAT-B CAT-C AO
LOP >5000000 <5000000 nil 0
FIRE >2000000 <2000000 500000 125000
ENGG >750000 <750000 200000 20000
MOTOR >200000 <200000 100000 45000
MISC. (OTHERS) >750000 <750000 300000 30000
MARINE CARGO >750000 <750000 300000 100000
MARINE HULL >1000000 <1000000 50000 0
MISC,JB, BB & LIA 10000
PA IN ALL RELATED POL 60000
S FOR APPOINTMENT
OFFICE LIMITS
AM DY M DCC
1000000 1500000 3000000
1000000 1500000 3000000
1000000 1500000 3000000
200000 300000 500000
150000 300000 500000
700000 1000000 1500000
112500 225000 500000
150000 300000 500000
300000 600000 1000000
 RISK ACCEPTANCE LIMITS

DEPARTMENT B.O. D.O. R.O.

FIRE DEPARTMENT
DWELLINGS, OFFICES,HOTELS,
SHOPS ETC UNDER SEC. III OF
AIFT 10 CR UNLIMITED
GODOWNS AND WAREHOUSES
UNDER SECTION VI OF AIFT 25 CR UNLIMITED

INDUSTRIAL AND MNFG. RISKS

UNDER SEC IV OF AIFT 25 CR 100 CR UNLIMITED
LISTED RISKS NIL PML - 20 CR UNLIMITED
6 CR SUB CLMS
COTTON GINNING & PRESSING EXP <50%
FACTORY 1 CR 3 CR
COLD STORAGE RISKS 5 CR 25 CR UNLIMITED
TIMBER LOGS IN OPEN IN UNLIMITED
FOREST DEPOTS CLMS EXP<80%
NIL NIL
PETROCHEMICAL RISKS 10 CR 50 CR UNLIMITED

NUCLEAR POWER STATIONSNIL NIL NIL NIL

CLOP (FIRE)EXCEPT
PETROCHEMICAL RISKS NIL 5 CR UNLIMITED
CLOP(FIRE)PETROCHEMICAL
RISKS NIL NIL UNLIMITED
ENGINEERING DEPARTMENT
PROJ INS(SCE/MCE/CAR) 10 CR 50 CR 500 CR
MACHINERY INS OTHER THAN 1 CR- 10 CR >10 CR
COLD STORAGE LOCA.& 25
LAC-IND
MACHINE
MI REL. TO COLD STORAGE W/O
DOS 25 LAC >25 LAC
EEQ
A) SECTION I & II 10 LAC 1 CR >1 CR
B)SECTION III NIL NIL YES
CPM 1 CR 10 CR >10 CR
DOS(POTAO) INS NIL 50 LAC >50LAC
DOS EXCEPT POTATO NIL NIL YES
BOILER & PRESSURE PLANT SINGLE ALL
BOILER 50 OTHERS
LAC
MLOP&BLOP INS NIL NIL PROV ACCEPT.
ALOP INSURANCE NIL NIL NIL
CECR INSURANCEE NIL NIL PROV ACCEPT.
MARINE CARGO RISK
ACCEPTANCE LIMITS
INLAND TRNASIT POLCIES
EXCEPT AS UNDER 1 CR 5 CR ACTUALS

SPECIFIED POLICIES OF
SHIPMENTS BY APPROVED AND
CLASSED VESSELS 1 CR 5 CR ACTUALS
SPECIFIED POLICIES OF
SHIPMENTS BY NONCLASSED
VESSELS 75 LAC 300 LAC ACTUALS
SDP/OPEN POLCIES WITH PER
CONEYANCE LIMIT 100 LAC 500 LAC ACTUALS

OPEN POLCIES-IMPORT/EXPORT
PER CONVEYANCE LIMIT-
APPROVED VESS. 100 LAC 500 LAC

OPEN POLCIES-IMPORT/EXPORT
PER CONVEYANCE LIMIT-
NONAPPROVED VESS. 75 LAC 300 LAC
TEA CROP POLICY ACTUALS ACTUALS
DESPATCHES BY SAILING
VESSELS 25 LAC 100 LAC ACTUALS
PERSONAL EFFECTS &
HOUSEHOLD GOODS FOR
WIDER COVER 0.10 LAC 2.5 LAC ACTUALS
DESPATCHES BY POST/COURIER
SERVICE 2.5 LAC 2.5 LAC ACTUALS
UNDESIRABLE RISKS AS PER
LIST NIL NIL NIL
REJECTION RISKS INSURANCE 2.5 LAC 10 LAC ACTUALS
CASHEW NUTS, TIMBERLOGS,
CHICKPEAS, LENTILS 25 LAC 100LAC ACTUALS
SECOND HAND MACHINERY 25 LAC 100 LAC ACTUALS
BULLION/SPECIE, JEWELLERY, 25 LAC 100 LAC ACTUALS
DIAMOND WITH HO RI
SANCTION
MARINE HULL
FISHING VESSELS 10 LAC 30 LAC 100 LAC
SAILING VESSELS 10 LAC 30 LAC 50 LAC
INLAND VESSELS GRT<1000T 10 LAC 30 LAC 50 LAC
BUILDER.S RISK (<100000DWT) NIL 50 LAC 100 LAC
NIL 50 LAC 100 LAC
DREDGERS(FLEET LESS THAN 10
DREDGERS AND TOTAL SI <2CR)
JETTIES AND PONTOONS 30 LAC 50 LAC
SHIP BREAKING RISK NIL NIL 200 LAC
SHIP REPAIRERS, LIABILITY NIL NIL NIL
CHARTERERS LIABILITY NIL NIL NIL
OCEAN-GOING VESSEL NIL NIL NIL
MOTOR AND MISCE. DEPT.
ALL RISKS 1 LAC 5 LAC 20 LAC
BAGGAGE(PERSONAL) 1 LAC 5 LAC 20 LAC
BANKERS INDEMNITY 5 LAC 1 CR 10 CR
BURGLARY BUS.PREMISES-
CASH 5 LAC 1 CR 10 CR
-DO- STOCK 50 LAC 10 CR 50 CR
CARRIERS LEGAL LIABILITY 3 LAC UNLIMITED
FG-IND/COLLECTIVE PER
PERSON 2.50 LAC 10 LAC 25 LAC
FG-FLOATER POLCIES NIL 2.5LAC 25 LAC
HORSE INSURANCE 3 LAC 10 LAC UNLIMITED
HOUSEHOLDERS INSURANCE 5 LAC 25 LAC UNLIMITED
JEWELLERS BLOCK 5 LAC 100 LAC 10 CR
MONEY/CASH IN SAFE 5 LAC 100 LAC 10 CR
MONEY/CASH IN TRANSIT PER
TRANSIT 5 LAC 50 LAC 5 CR

PA-IND/GROUP PER PERSON 10 LAC 25 LAC 1 CR

PA-SHORT PERIOD UPTO 90
DAYS 5 LAC 25 LAC 50 LAC
PUBLICLIABILITY 5 LAC 100 LAC 10 CR
PRODUCT LIABILITY 3 LAC 50 LAC 10 CR
PROFESSIONAL INDEMNITY 1 LAC 10 LAC 5 CR
SHOP KEEPERS INSURANCE 2 CR 2 CR
SP CONTINGENCY POLICY NIL NIL NIL
TV/VCR 1 LAC 5 LAC UNLIMITED
OTHER MISCELLANEOUS 5 LAC 25 LAC 2 CR
AVIATION NIL NIL NIL
MOTOR VEHICLES 10 LAC 25 LAC UNLIMITED
S

H.O.

>6 CR

PROPOSALS
CLMS
EXP>80%

YES

>500 CR
FINAL ACCEPT
YES
FINAL ACCEPT.

ACTUALS
 YES
YES
YES

> 1 CR
YES

YES