All SB Order 2020

SB Order No.
01 /2020
F.No 113-03/2017-SB
Govt. of lndia
Ministry of Communication
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi-I10001
Dated: 01.01.2O2O
To,
All Head of Circles/Regions

Addl. Director General, APS, New Delhi
Subiect : Revision of interest rates for Small Savings Schemes w.e.f. 01.01.2020
Madam/Sir,
The undersigned is directed to say that vide memorandum No. 01/04/201g-NS

dated .12.2019 (copy enclosed), Govt. of lndia, Ministry of Finance, Department of
31
Economic Affairs (Budget Division) have informed that the rate of interest on various National
Small Savings Schemes for the fourth quarter of financial year 2019-20 ( starting from 1"t
January ,2020 and ending on 31st March, 2020l- shall remain unchanged from those
notified for the third quarter of Financial Year 2019-20 (01"t October 2019 to 31"t
December,2019). The details are indicated below for ready reference.
sr. lnstruments Rate of interest Rate of interest Compounding

No w.e.f. 01.10.2019 w.e.f 01.01.2020 Frequency*
to 31.12.2019 to 31.03.2020
(Unchanqed)
01 Post Office Savinqs Account 4.0 4.0 Annually
02 1 Year Time Deposit 6.9 6.9 Quarterly
03 2Year Time Deposit 6.9 6.9 Quarterly
04 3 Year Time Deposit 6.9 69 Quarterly
06. 5 Year Recurring Deposit 7.2 7.2 Quarterly
07 Senior Citizen Savings 8.6 8.6 Quarterly and
Scheme Paid
08. It/onthly lncome Account 7.6 7.6 Monthly and paid
09. National Savings Certificate 7.9 7.9 Annually

(Vlll lssue)
10 Public Provident Fund 7.9 7.9 Annually
Scheme
11 Kisan Vikas Patra 7.6 (will mature in 7.6 (will mature in Annually
1 13 months) 1 13 months)
12. Sukanya Samriddhi Account 8.4 8.4 Annually
Scheme
Cont. on page 2l--

-z-
3. lt is requested to circulate it to all concered for information and necessary guidance.

Same may also be placed on the notice board of all Post Offices in public area.The necessary
calculation tables will be supplied in due course on receipt from the DEfulVloF.
4. This issues with the approval of Competent Authority
Yours Faithfully,
,O.ffirA,
Assistant Director (SB)
Copy to:-
1. DD G(FS)/DD GffIG)/AS &FA/DD G(PAF)/DDG(RB)/DD G (EStt.)/DD G(P G &

Inspections)moC (PCo/Sr. DDG(PBI)
2. Director (FS)/Director (CBS), Dak Bhawan.
3. Director of Audit (P&T), Dclhi.
4. Resident Audit Officer, Room No.517-B, Dak Bhawan, New Delhi.
5. AII Directors/Dy. Directors of Accounts, Postal
6. Director, RAKANPA, Ghaziabad.
7. All Directors, Postal Training Centres.
B. - Directqf'PTC Mysore for uploading the SB order on India Post Web Site and
r$ddtion of interest rates on indiapost website as weII as in postinfo app.
9. Deputy Director (CEPT) O/o CPMG T.N.Circle, Chennai for information and
necessary changes in Sanchay Post/Finacle.
I0. AD /Inspection/PF/Vigilance
11. All Accounts Officers ICO(SB)
12. AII recognized unions.
13. MOF(DEA), NS-II, North Block, New Delhi
14. National Savings Institute, 4 Deen Dayal Upadhyay Marg, New Delhi.
15. PS to Member (Bankind
16. PPS to DG Posts.
17. PPS to Secretary Posts.
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Departmeff of Posrs (;()\ Cfllntcnts.
SB Order No. 0212020
F.No 109-27/2019-SB
Govt. of India
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi- 110001

Dated: 09.01.2020
To,

subject :' Deduction of rDS in respect of cash withdrawal above Rs. 1 crore by an
account holder of National Savings Schemes regarding.
Sir/Madam,
The undersigned is directed to inform that Government of India has inserted

section 194N in the Income Tax Act, 1961, through Finance Act (No.2) 2019 for
deduction of rDS @2o/o on cash withdrawals in excess of Rs.1 crore in a year, from
1.9.2019, and the new provision mentioned in section 194N is applicable from the
frnancial year 2019'20. Text ofthe new Section is reproduced below:.
Payment of certain amounts in cash.
194N. Every person, being,-

(i) a banking company to which the Banking Regularion Act, 1949 (10 of
1949) applies (including any bank or banking institution referred to in section b1 of
that Act);
(ii) a co'operative society engaged in carrying on the business of bankingi or
(iii) a post offrce,
who is responsible for paying any sum, or, as the case may be, aggregate of sums, in
cash, in excess of one crore rupees during the previous year, to any person (herein
referred to as the recipient) from one or more accounts maintained by the recipient
with it shall, at the time of payment of such sum, deduct an amount equal to two
per cent of sum exceeding one crore rupees, as income tax:
-1-
Provided that nothing contained in this sub-section shall apply to any payment
made to, -
(i) the Government;
(ii) any banking company or co-operative society engaged

irr carrying on the
business of banking or a post office.
(iiil any business corresponde_ntof banking company or co-operative society engaged

in carrying on the business of banking, in accordance with the guidelines issueil
in
this regard by the Reserve Bank of India Act, 1984 ( Z of LSZS);
(iv) any white labet automated telrer machine operator

of a banking company or co-
operative society engaged in carrying on the business ofbanking, in accoidance
with
the authorization issued by the Reserve Bank oflndia under thJ payment and
Settlement Systems Act, 2007 (b1 of 2002);
(v) such other person or class ofpersons, which the

central Government may, be
notifrcation in the official Gazette, specifu in consultation with the Reserve ijank of
India i
Further C larifi cation issued bv CBDT on 30 .8.2019

extract from press release of CBDT dated 80.0g.201g)
"'.'.-The CBDT, having considered the concerns of the people, hereby clarifies
that
section 194N inserted in the Act, is to come into effect from 1"t september, 2019.
Hence any cash withdrawal prior to 1st September, 201g wiII not be subjectei to the
TDS under section 194N. However, since the threshold of Rs. 1 crore is with respect
to the previous year, calculation of amount of cash withdrawal for triggering
deduction under section 194N shall be counted from lst April, 2019. Hence, if a
person has already withdrawn Rs. 1 crore or more in cash up to 31st August, 201g
from one or more accounts maintained with a banking company or a cioperative
bank or a post office, the 2% TDS shali apply on all subsequent cash withdrawals
made on or after 1st September, 2019."
2. with this amendment, now TDS @2o/o will be applicable on all cash withdrawals
above Rs. one crore taken by an account holder in his/her all type of small savings
schemes Accounts /certificates taken together, from l.4.2olg onwards. However.
for the current financial year (201g-20) as per clarifrcation issued by CBDT, TDS
wiII be deducted on cash withdrawals taken on or after 1.g.201g, even if cash
withdrirwais are taken in excess of Rs.1 crore from 1.4.201g to 31.g.201g. The TDS
@ 2o/o is to be deducted on all subsequent cash withdrawal (from 01.09.201g) to be
taken by a customer who has taken cash withdrawals in excess of Rs.l crore during
2019'20 in his/her all accounts.
-2-
3. Necessary changes in FINACLE wiII be done in due course to automatically
deduct TDS at the time of such cash withdrawal. TiIl these changes are
done, cEpr
Team will inform details of such Account Holders in the first wlek of every month
to the respective cPC which will inform the concerned post office to deduct rDS
@2o/o. Post offrces have to ensure that pAN number of such account holder
are
invariably taken and fed in Finacle. TDS so deducted should be accounted. under
Section 194N and incorporated in TDS return of Ho (for Ho and its sos). Account
holder should be informed of such deduction at the time of cash withdrawal.
1. It is requested to circulate this amendment to all concerned for information

and guidance and necessary act ion.
5. This issues with the approval ofCompetent Authority.
Yours Faithfull v,
(Devendra aIm a)
Copy to:-
1. DDG(FSTDDG(VIGTAS&FA/DDG(PAF)/DDG(RB)/DDG (Estt.yDDG(pc &

Inspections)/DDG (pCO/Sr. DDG(PBD
2. Director of Audit (P&T), Delhi.
3. Resident Audit Offrcer, Room No.b1Z-B, Dak Bhawan, New Delhi.
4. AII Directors/Dy. Directors ofAccounts, Postal
5. Director, RAKANPA, Ghaziabad, AII Directors, postal Training Centres.
6. Director PTC Mysore for uploading the SB order on India post Web Site.
7. Deputy Director (CEPT) o/o CPMG T.N.circle, chennai for information and
necessary action accordingly.
8. AD /Inspection/PF/V.igilance
9. All recognized unions.
10.MOF(DEo, NS-II, North Block, New Delhi
ll.National Savings Institute, 4 Deen Dayal Upadhyay Marg, New Delhi.
12. PS to Member (Banking)
13.PPS to DG Posts.
S.B. Order 03/2020
F.No. I16 1212016'58
Governmcnt of India
Mr ni6try of CorDmunicatiorl
Depadment of Posts
(F.S. Di risron)
Dak llhawan, New Dcthi I10001
Dated: - 10/01/2020
To,
A1l Head of Circles.
Addl. Dircctor General, APS, New Delhi
Subiect: - Collection of vanous types of fee prescribed in GSPR-20f8 under Schedule Il

regarding.
Sir,Madam,
The undersigned rs drccted to .inform tha! tlris office is in receipt of various

referenccs for collection and accounLrng of various t)lpcs of feelcharges for services
prescrrbcd in "Governnrent Savings Promotion (ieneral ltules 2018" under "Schedule Il". In
order to rabionalize the process, the compercnt authority has dccided to prescribe following
proccss fo! collection and aocounting ofvarious types of fee
2. Till necessary provisions are made in l'i.nacle/CSl for collection of various types of
fee/charges on services, followrng process should be adopted by all concerned.
G) Collection ofvarious types of fee to be collected in CSI - SAP throu F-0zFB50

Service Description Amouot to be GL Code in
sl.No coUected in Cash CSI (Credit)
1 Issue ofDu Iicate Passbook Rs.50 8800800010
2 Issue of statement of account. Rs.20 1800423500
3 Issue of pass book in lieu of lo6t or Rs. 10 88008000r0
mutilated certificat€ per regrstration.
4 Cancellation or chan of nominatron Rs 50 1EO0423200
5 Transfer of accoun, Ccrtificates (per Rs r00 8800800040
regrstration)
(The following cases not to be treated as
transfcr, as being done due to
administrative reasons.
1. AccounLs opened rn APS and
subsequently transferred to Post Ofhce.
2- AccoLrnts frozen under SCWF Rules-
201G and closed at respective HO.
3. Disconbilued schemes accoulrts/
oerhfrcates closed at les tive HO
(; Pledgirg of accounL/ Certificates (per Rs. 100 1800423500
regrstratiorJ
7 Issue ofcheque book in savings account up to 10 cheques in 1800423600
a calendar year no
fce, thereafter at
Rs. 2 er cb
* Charges on tlishonor ofcheque already confrgured in finacle
-1.
(ii) 18% GSf is atso applicable on above fee/charges for scrvices
(a) CGS'IL Cotl. on Banking & Fin. Services qoh €866102590

lb) SCS'l Coll. on Barrkirrg & l.rn S"rr r,.e. 99; 88661026r0
or
(c)UTGST Coll. on Ranlong & fin. Serviccs tJ"t, 8866102630 (lor I Inior 1'erritories onty)
(Example! For issuc ofdupLicate passbook.)

(1) CSI' SAP F'02 or FB50 : 8800800010 Rs.50 Cr.(50)
8866102590 Rs.4.50 Cr. (50)
8866102610 Rs.4.50 Cr. (50)
4867100010 Rs.59 Dr (40)
(Do(:Lrment Number to be notcd)
(2) CSI-POS Counter ) F5 Customcr Servicc ) l'12 ACK Shp Print ) Action Type
-
Others.. "Duplicate Passbook l'ee including GST collccLed Rs. 59 from Shri
vrde Document Number ..... ........... ........ Dated ............... "
(iD Tuo copies ol acknowledgcment slips are to bc gencrated in CSI-POS onc copy is
to be given to the customer and second copy is to be altached with respective
application-/form.
3- I[ is requected to circulate this amendment to all concerned for information and

guidance and necessary action.
4. Thrs issues wrth the approval of CompeLent Autho ty

Your's faithfullv
o"uffilHiP
Assistant rector (SB)
Di
Copy to:-
1. DDc(vrG)/AS&FA,/DDG(PAF)/DDG(RB)/DDG(Estt.)/DDG(PG & lnspections)/0DG(PcO)
/sr. DDG(PBl)
2. Director olAudit (P&T), Dclhi.
3. Itesident Audlt Ofhcer, Room No.517'B, Dak tshawan, New Delhi.
4. All Directors/Dy Directors ofAccounts, Postal
5- Dirccfor, RAKANPA, Ghaziabad, All Directors, Postal Training Centres.
6. Director PIC Mysore for uploading the SB order on Indra Post Web Site.
?. Deputy Director (CEPI) O/o CPMG T.N.Circle, Chennai for information and necessary
accordingJy
8. AD /Inspection/PFA/igilance
10.MOF(DBd, NS-II, North Block, New Delhr
11.Natiofla] Savrngs Institute, 4 Deen Dayal Upadhyay Marg, New Delhi.
12.PS to Member (Bankirg)
13.PPS to DG Posts.
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S.B. Order 0412020
F.No.115-12/2015_SB
Government of lndia
Department of posts
(F.S. Division)
Dak Bhawan, New Delhi_110001
Dated J74 /02/2020
To,
All Head of Circles,
Addl. Director General, ApS, New Delhi
subiectlAmendments to procedural rules relating to National savings certificates/NSC-vlll

lssue schemes in posB(cBS) Manuar in the right of recent changes ciicurated viaeia oroer
73/7019 dated 18.12.2019.
Sir/Madam,
The undersigned is directed to inform that M.F(DEA) has revised

many statutory rures
relating to different National savings schemes which were circulated
vide SB order L3/zoLg
dated 18.12.2019. The competent authority has now approved to change
rerevant procedurar
rules and issue corrections slips of posB(cBS) Manual
[circulated vide sB order No.9/201g
dated 17.7.20181.
2. Accordingly, the corrections relating to National Savings certificates /Nsc-vl1 lssue schemes
are given below:-
orr sli sf Nation Savin Certifi s in P B CBS anua

Rule 155(6):- Add sub rule (7) below this sub rule:_
(7) Registration of nomination is mandatory from date of receipt
of SB order 13/2019 dated
78'72'2079. Procedure laid down for registratron, cancellation or variation
of nomination for
other schemes shall also be applicable to National savings Certificates.
Rule 158(1):- Add sub rule (1A) below this sub rule:_
(1A) From date of receipt of sB order r3/20!g dated 18.12.2019,
folrowing rules sha appry for
transfer of certificates from one holder to another:_
An account may be transferred from one individual to another, subject
to the condition that the
transferee is eligible to open an account under this scheme, in the folowing cases,
namery:-
(i) on the death of account holder in case of a single account or on the death of all
the account holders in a joint account, the amount shall be transferred to the legal
heirs or the nominees as the case may be.
(ii) on the order of the court, the account shall be transferred from the account holder
to the court or to any other individual as per the orders of the court;
(iii) on pledging, account shall be transferred in accordance with paragraph 6;
(iv) in the event of the death of any of the account horders in a joint account, the
account shall be transferred in the name of the surviving account holder or
account holders, as the case may be.
Rule 159(6):- Add sub rule (7) below this sub rule:_
(7) From date of receipt of sB order r3/Zotg dated 18.12.2019,
berow rures shal appry for
pledging of certificates:-
(i)An Account may be pledged or transferred as security,
on an apprication made by the depositor
in Form-3 supported with acceptance letter from the pledgee.
(ii) Transfer of an account under this paragraph may be mlde to_
(a) the President of rndia or the Governor of a state in his officiar capacity;
(b) the Reserve Bank of rndia or a schedured Bank or a cooperative society, incruding
a co-
operative Bank;
(c) a public or private corporation or a Government company;
(d) a local authority; or
(e) a housing finance company approved by the Nationar Housing Bank and
notrfied by the
Central Government:
Provided that the transfer of an account opened on beharf of
a minor or a person of
unsound mind shall not be permitted under this rule unless the guardian
of the minor or the
person of unsound mind, as the case may be, certifies in
writing that the minor or the person of
unsound mind, as the case may be, is alive and that the transfer is for
the benefit of the minor or
the person of unsound mind.
(iii) when any account is transferred as security under sub-paragraph (1), the authorized
officer
shall make the following endorsement in the record of th" Account, incruding the savings
Certificate, namely:-
"Transferred as security to .....,, .
(iv) Except as otherwise provided in this scheme, the transferee of an account under this
paragraph shall, until it is transferred back under sub-paragraph (5), be deemed to be the
d eposito r.
(v) An account transferred under this paragraph may, on written authority of
the transferee,
be re-transferred back with the prevlous sanction in writing of
the authorized officer and when any
such retransfer is made, the authorized officer of the accounts office shall
make the following
endorsement in the record of the account, including Certificate, namely:_
"transferred back 1o......".
(vi) A blind or a person with physical infirmity making
him incapable of operating the account may
pledge his deposit through any riterate individuar whom
he authorizes for this puipose.
FORM.3
(Application for pledging of account)
To
The Postmaster/Manager
Sir,
1. l/We ........ ... amf are required to deposit an amount of Rs
..... as security with .................. (official designation of the
gazetted officer of the Government or name of the Reserve Bank
of lndia or a scheduled
Bank, cooperative Bank, Registered Cooperative society, corporation, A
Government
Company or Local Authority). t/W e therefore request you to transfer the deposit
in Account
Number under National Savings Certificates (Vlll issue) as security
in favour of (Official Designation of the Officer or
name of the Branch etc to whom the Account is being pledged as security.)
2. t/We ag ree that the account(s) can be encased by the pledgee
when the security has
been forfeited . Nomination vide registration number..........,..................in
the account stands
ca ncelled.
Particulars of Account
Accou nt nu mber Date Name of Accou nt office Amount

I
The authority mentioned above h as agreed to accept the pledge. pledge

A acceptance duly
signed by the competent authority as pledgee is attached.
Dated:
Signatu re of account holder(s)/gua rd ian

Address
For office use only
Account number has been pledged vide registration
no ............. .....................dated... and necessary entnes have been marked in the
record. Pa ssboo k/d epos it receipt/statement of account has also
been marked with pledge and
returned to the account holder.
Signatu re of Post Master/Manager
Seal
Correction Sli for NS -Vlll lssu e in POSB (CBS} Manual

Rue 159( 1)(a):- add following text belowthis sub rule:_
From the date of receipt of sB order t3/2org dated 1g.12.2019,
minimum amount for opening
of account under NSC-VIr rssue scheme 2019 shalr be Rs.1000/- and
for opening of account for
more than minimum amount, the amount shall be in multiple
of Rs. 100/-.
Rule 169(1)(d):- This sub rule should be replaced with below
texti
(d) Following types of accounts can be opened under NSC-vlllth lssue
scheme 2019:-
Type of accounts.-
(i) Following types of accounts can be opened
under the Scheme, namely:-
(a) A Single Holder Type Account may be opened
by an adult for himself, or on behalf of a minor
or a person of unsound mind of whom he is the guardian; or by a minor
who has attained the
age of ten years;
(b) Joint A- Type Account may be opened jointly in
the names of upto three adults payable to a
the holders jointly or to the survivor or survivors;
(c) Joint B-Type Account may be opened jointly
in the name of upto three adurts payabre to any
of the account holders or to the survivor or survivors.
(d)There shall be no limit of opening of number of accounts
by an account holder.
Rule 169(i):- Replace word "item (vii) above" of this sub rure
with word .. item (f) above,,.
Rule 169(k)r This sub rule should be replaced with below
text:_
(k) From date of receipt of sB order t3/2o1rg dated 18.12.2019,
Fees to be cha rged for Services
(a) (i) lssue of duplicate pass book - {50.
(ii) lssue of statement of account or deposit receipt_{20
in each case.
(iii) lssue of pass book in lieu of lost or mutilated certificate - {t0 per registration.
(b) Cancellation or change of nomination - {50
(c) Transfer of account - {100
(d) Pledging of account - {100
GST @18% shall be charged in addition to above amount. Procedure for charging fees and
accounting has been circulated vide SB Order 3/2020 dated 1"0.1,.2O2O.
Rule 169(5)r This sub rule should be replaced with below text:-
(5) Post Maturity lnterest:- From the date of receipt of SB order l3/2O79 dated 18.9.2019, an
account (certificate) which has matured but not closed, the eligible balance in the account shall
continue to earn interest at the rate applicable to the Post Office Savings Account, till the
closure of the account. "Eligible Balance" means the amount of balance at the credit of the
account, including interest accrued thereon, after effecting recoveries on account of
outstanding principal and interest, if any, in respect of a loan availed by the depositor.
Rule 169(6):- This sub rule should be replaced with below text:-
(6) Payment of maturity value:- Payment of eligible balance on maturity shall be made, at the
option of depositors or guardian or nominee or legal heir, as the case may be, through any of
the following means; namely:-
(a) by transfer to the Savings Bank account of the payee,
(b) by a crossed cheque,
(c) by cash, if the amount is below the limit prescribed in this regard under the lncome Tax
Act, 1961.
3. lt is requested to circulate these corrections to all concerned for information and guidance
and necessa ry action.
ffi,nP
(Devehdra Sharma)
Assistant d irector (58)
Copy to:-
1. DDG(FS)/DDG(vlc)/AS&FAIDDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(PG &

lnspections)/DDG (PCO/Sr. DDG(PBl)
3. Resident Audit Officer, Room No.517-B, Dak Bhawan, New Delhi.
4. All Directors/Dy. Directors ofAccounts, Postal
5. Director, RAKANPA, Ghaziabad, All Directors, Postal Training Centres.
6. Director PTC Mysore for uploading the SB order on lndia Post Web Site
7. Deputy Director (CEPT) O/o CPMG T.N.Circle, Chennaifor information.
8. AD /ln spect io n/ F/Vigila n ce
P

10. MOF(DEA), NS-ll, North Block, New Delhi
11. National Savings lnstitute,4 Deen Dayal Upadhyay Marg, New Delhi.
12. to Member (Banking)
PS

L4. PPS to Secretary Posts.
S.B. Order 05/2020
F.No.115-12/2016-SB
Government of lndia
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi-110001
Dated :74/02/2O2O
To,
Subiect:-Amendments to procedural rules relating to Kisan Vikas Patras (KVp) lssue schemes in
PosB(cBS) Manual in the light of recent changes circulated vide sB order 13/2019 dated
18.1.2.2019.
Sir/Mada m,
The undersigned is directed to inform that MoF(DEA) has revised many statutory rules
relatinS to different National Savings Schemes which were circulated vide S8 order 13/ZOlg
dated 18.12.2019. The competent authority has now approved to change relevant procedural
rules and issue corrections slips of posB(cBS) Manual [circulated vide SB order No.9/201g
dated 17.7.20181.
2. Accordingly, the corrections relating to Kisan Vikas patras (KVp) schemeare given below:-
Correct ion slips for Ki n Vikas Patra s in POSB(CBS) Man ual

Rule 158:- add following text below this rule:-
From date of receipt of sB order r3/zolg dated 18.9.2019, Kisan Vikas patra scheme 2019
Rules shall be applicable to all Kisan Vikas Patras accounts opened under KVp Rules 2014 also.
Under these rules, minimum amount for opening of account under KVp scheme 2019 shall be
Rs.1000/- and for opening of account for more than minimum amount, the amount shall be in
multiple of Rs. 100/-.
Rule 168(1)(a):- add following text belowthis sub rule:-
(i) Following types of accounts can be opened under the Scheme, namely:-
(a) A single Holder Type Account may be opened by an adult for himself, or on behalf of a
minor or a person of unsound mind of whom he is the guardian; or by a minor who has attained
the age of ten years;
(b) Joint A Type Account may be opened jointly in the names of upto three adults payable to all
the holders jointly or to the survivor or survivors;
(c) Joint B Type Account may be opened jointly in the name of upto three adults payable to any
of the account holders or to the survivor or survivors.
(d)There sh all be no limit of opening of number of accounts by an account holder.
Rule 168(i) This sub rule should be replaced with below text:-
Payment of maturity value:- Payment of eligible balance on maturity shall be made, at the
option of depositors or guardian or nominee or legal heir, as the case may be, through any of
the following means; namely:-
(a) by transfer to the Savings Bank account of the payee,
(b) by a crossed cheque,
(c) by cash, if the amount is below
the limit prescribed in this regard under the lncome
Act, 1961 which is currently Rs.20,000/-. Tax
Rule 168(l) r This sub rule should be replaced

with below text:-
From date of receipt ofsB order t3/2otg
dated 18.12.2019, Fees to be charged for servrces
(a) (i) tssue of duplicate pass book - {50.
(ii) lssue of statement of account or
deposit receipt_i2O in each case.
(iii) rssue of pass book in Iieu of rost
or mutirated certificate - {10 per registration.
(b) Cancellation or change of nomination _
{50
(c) Transfer of account - l10O
(d) Pledging of account - {1OO
GST @18% sha, be charged in addition
to above amount. procedure for charging fees and
accounting has been circurated vide sB order
3/2020 dated L0.1,.2020.
Rule 168(p):- This sub rule should be replaced
with below text:-
(p) Post Maturity rnterest:- From the date
of receipt of sa order 73/20lgdated 18.9.2019,
account (certificate) which has matured but not an
cloied, the eligible balance in the account shall
continue to earn interest at the rate appricabre
to the post office savings nccount, ti, the
account. "Erigibre Barance'l means the amount
:l?',"-"f.,h:
account, including interest accrued thereon, after effecting
of barance at the credit of the
recoveries on accornt or
outstanding principar and interest, if any, in respect
of a roan avaired by the depositor.
Rule 168(q):- This sub rule should be treated
as deleted.
3 lt is requested to circulate these corrections to all

concerned for information and guidance
and necessary action.
4. This issues with the approval of Competent

Authority.
*o-rst-oP
(Devendra Sharma)
Assistant director (SB)
Copy to:-
1. DDG(FS)/DDG(Vtc)/AS&FA/DDG(pAF)/DDG(RB)/DDG
(Estt.)/DDG(pG &
lnspections)/DDG (PCO/Sr. DDG(pBt)
2. Director of Audit (p&T), Delhi.
3. Resident Audit Officer, Room No.5L7_B, Dak Bhawan, New Delhi.
4. All Directors/Dy. Directors ofAccounts, postal
5. Director, RAKANpA, Ghaziabad, All Directors, postal Training Centres.
6. Director PTC Mysore for uproading the sB order on rndia post web
Site.
7. Deputy Director (CEpT) O/o CpMG T.N.Circle, Chennai for information.
8. AD /tnspection/pF/Vigilance
10. MOF(DEA), NS-il, North Block, New Delhi
11. National Savings lnstitute,4 Deen Dayal
Upadhyay Marg, New Delhi.
PS
13. PPS to DG posts.

14. PPS to Secretary posts.
S.B. Order 05/2020
F.No.115-12/2015-SB
Government of lndia
Department of posts
(F.S. Division)
Dated i 1,4 /02/2020
To,
SubiectrAmen d ments to procedural rules relating to Monthly rncome

Account Scheme (Mrs) in
PosB(CBS) Manual in the liSht of recent changes circulated
vide SB order 1312019 dated
78.1.7.2079.
Sir/Madam,
The undersigned is directed to inform that MoF(DEA) has revised

relating to different National savings schemes which were circulated
vide sB order r3/2olg
dated 18.12.2019. The competent authority has now approved to
change rerevant procedurar
rules and issue corrections slips of posB(cBS) Manuar
dated 17.7.20181.
2. Accordingly, the corrections rerating to Monthry rncome Account

schemes are given below:_
recti o com un eme in SB CB anu
Rule 115(i) r add following text belowthis sub rule:_

Provided that from the date of receipt of sB order 13/2019
dated 1,8.1,2.201-9, provisions of National
savings (Monthly lncome Account) scheme 2019 and Government
savings promotion General Rules
2018 shall be applied on all accounts opened under this scheme.
Rule 115(iii) i This sub rule should be replaced with below text:-
From date of receipt of sB order 13/2019 dated 1,8.72.20!9, account
shall be opened with a minimum
deposit of one thousand rupees or any sum in multiple of one thousand
rupees and there shall be only
one deposit in an account.
Rule 115{x)r This sub rule should be treated as DELETED.
Rule124(b):- This sub rule should be replaced with below text:_
An account which has matured but not closed, the eligible balance in
the account shall continue to earn
interest at the rate applicable to the Post office Savings Account, till
the closure of the account.
3' lt is requested to circulate these corrections to all concerned for information

and guidance
4 This issues with the approval of Competent Authority
#,L\E?o
(Devendra Sharma)
-. Assista nt director (SB)
Copy to:-
1. DDG(FS)/DDG(vtG)/AS&FAIDDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(pG &

lnspections)/DDc (PCO/Sr. DDG(pBt)
3. Resident Audit Officer, Room No.517-8, Dak Bhawan, New Delhi.
5. Director, RAKANPA, Ghaziabad, All Directors, postalTraining Centres.
6. Director PTC Mysore for uploading the SB order on tndia post Web Site.
7. Deputy Director (CEPT) O/o CpMG T.N.Circle, Chennai for information.
8. AD /lnspection/PFlVigilance
10. MOF(DEA), NS-ll, North Block, New Delhi
11. National Savings lnstitute,4 Deen Dayal Upadhyay Marg, New Delhi.
PS

S.B. Order 0712020
F.No.115-12/2015-SB
Government of lndia
Department of Posts
(F.S. Division)
Dated . I4/O2/2O2O
To,
subiect:-Amendments to procedural rules relating to National Time Deposit schemes in

PosB(cBS) Manual in the light of recent changes circulated vide sB order 13/2019 dated
t8.12.2079.
Sir/Madam,
The undersigned is directed to inform that MoF(DEA) has revised many statutory rules
relating to different National Savings Schemes which were circulated vide SB order L3/ZOlg
dated 18.12.2019. The competent authority has now approved to change relevant procedural
rules and issue corrections slips of PosB(cBS) Manual [circulated vide sB order No.9/201g
dated 17.7.20181.
2, Accordingly, the corrections relating to NationalTime Deposit schemes are given below:-
n Sli for N n eOe it un SB cBs Man

Rule 88(1):- This sub rule to be replaced with below text:-
CATEGORIES oF AccouNTs:- (1) There shall be four categories of time deposit accounts, namely, one-
year account, Two-year account, Three-year account and Five-year account in which a deposit may be
made for a period of one year, two years, three years and five years respectively. From 12.12.2019, the
deposit in the account shall be minimum of Rs.1000/- and in multiple of Rs.100/-.
Rule 88(2):- This sub rule to be replaced with below text:-
88(2) Types of accounts

(i) an account may be opened by-
(a) a single adult; or

(b) upto a maximum of three adults in joint names
(c) a minor who has attained the age of ten years
(d) a guardian on behalf of a minor or a person of unsound mind
(ii) On the basis of mode of operation, Joint Accounts shall be of two types,
namely:_
(a) Joint 'A' type, to be operated by aI the depositors or the surviving depositors jointry.
(b) ,oint 'B' type, to be operated by any of the depositors or the surviving depositors
severally.
Rule 91{3):- This sub rule to be replaced with below text:_
lf the date of payment of interest falls on a non-working day, the payment shall be deemed to be due on
the working day immediately preceding.No additional interest shall be payable on the amount of
interest that has become due for payment but not withdrawn by the account holder.
Rule 94 r This rule to be replaced with below text:-
Extension of Account.-(1) Where a deposit in an account has become due for repayment, the account
hoider may at his option by making an application to the accounts office in Form-3 may further extend
the account for another tenure for which the account was initia llyopened.
(2) Where an extension is made under sub rule (1), the option for extension shall be exercised as
specified in the table below:
TABLE
S. No Category ofthe account Period liom date ofrepayment by which option for extension
may be exercised.
(l) (2)
I One-year Six months

'|
Two-year welve months
Three-year Eighteen months
-1. Five-year Eighteen months
(3) Where option of extension of deposit is exercised within the period specified in sub-rule(2),
interest applicable to the category of account under the Scheme on the date of maturity of original
deposit shall be payable.
(4) The account holder shall be allowed to extend the account as per sub-paragraph (2) only twice
after the initial repayment date.
(5) Option to extend the account as per sub-paragraph (1), may be exercised by the account holder
at the time of opening of the account also. However, the account holder may revoke the option to
extend the account any time before the date of repayment,
FORM - 3
(Application for extension of account)
To,
Sir,
L. l/We am/are depositor of Account
Number under NationalSavings Time Deposit Scheme for f/2/315 years in your
office. Thesaidaccountwasopenedon-andhas/willmature
on for payment. We hereby request for extension of the account for a further period
of _ year(s) (as per paragraph 6 of Scheme rules) from the date of maturity of the above said
account.
2. l/We have understood the terms and conditions applicable to the account during the period of
extension under the said scheme as amended from time to time and shall abide by them.
Pla ce
Date:
Signature of the account holde(s)/guardian
Name and Address
For the use of Accounts Office
The account no......... which was opened On with R s... ... ... ......
(Rupees....... .... ... ... ... ........ ) under (Name of scheme) and matured on
h as been extended for a period of years with effect from to
......................underparagraph 6 of NSTD Rules 2019.
-_
Necessary entries have been made in the records
and pass book/deposit receipt/ statement of account
Place:
Date: Signature of postmaster/Manager
Seal/Stam p
Rule 95i
This rule to be replaced with below text:-
An account which has matured but not closed, the amount
invested in the account shall continue to
earn interest at the rate applicable to the Post office savings
Account, till the closure of the account.
Rule 96(2)(a)r This sub rule to be replaced with
below text:-
The rate of interest on such deposit shal be payabre
to the depositor for the compreted years and
months from the date of deposit to the date of closure
and such interest shall be (1) percent less than
the rate specified for a deposit of 1 year, 2 years or 3 years,
as the case may be, in the concerned rable
under Rule 7 of POTD Rules, 1981.
Provided that from the date of receipt of 5B order 13/2019

dated 78.r2.20rg, where a deposit in a two_
year, three-year or five-year account is withdrawn prematurery
after the expiry of one year from the
date of deposit, interest on such deposit shal be payabre
to the account horder for the compreted years
and months, commencing on the date of deposit and ending
with the date of withdrawal and such
interest shal be carcurated at the rate which shal be ress
by two (2) per cent. points than the rate
specified for a deposit of one-year, two-year or three-year,
as the case may be and interest for the
completed year shall be calculated on quarterly compounding
basis in accordance with the provisions of
paragraph 7 0f NSTD Rures 2019, and for any part
of a year, interest shal be payabre as per provision of
sub-paragraph (b) of paragraph 8 of NSTD Rules 2019.
3 lt
is requested to circulate these corrections to all concerned
for information and guidance
4. This issues with the approval of Competent Authority.
ffi**
(Deveridii Sharma)
Assista nt director (SB)
Copy to:-
1. DDG(FS)/DDG(vtG)/AS&FA/DDG(pAF)/DDG(RB)/DDG (Estt.)/DDG(pG &

lnspections)/DDG (PCO/Sr. DDG(pBt)
3. Resident Audit Officer,, Room No.5L7_8, Dak Bhawan, New Delhi.
6. Director PTC Mysore for uproading the SB order on rndia post web site.
8. AD /ln spect io n/p F/Vigila nce
9. All recogn ized unions.
10. MOF(DEA), NS-il, North Btock, New Delhi
11. National Savings lnstitute,4 Deen Dayal Upadhyay
Marg, New Delhi.
PS

S.B. Order 08/2020
No.115-12/2016-5B
F.
Government of lndia
Department of posts
(F.S. Division)
Dak Bhawan, New Delhi_110001
Dated - 1,4/02/2020
To,
subiect:-Amend ments to procedurar rures rerating to pubric provident

Fund scheme in
PosB(cBS) Manual in the light of recent changes circulated
vide SB order 13/2019 dated
78.1.2.2019.
Sir/Madam,
The undersigned is directed to inform that M.F(DEA) has revised

relating to different National savings Schemes which were circulated
vide SB order l3/2otg
dated 18.12 2019. The competent authority has now approved to
change rerevant procedural
rules and issue corrections srips of posB(cBS) Manuar
dated 17.7.20181.
2. Accordingly, the correctrons relating to pubric provident Fund schemes are given below:-
tio n for PPF n POSB Man

Rule 105(i):- This sub rule should be replaced with below text:_
(i) The Public Provident Fun scheme is a statutory scheme ofthe
centrar Government framed under
provisions of PPFAct 1968. This Act was repealed through chapter
vll of Finance Act 201g and now this
scheme is governed by Government Savings Promotion Act 1873 (amended
from time time) and public
Provident Funds Scheme Rules 2019.
Rule 106 (iii)rThis sub rule should be replaced with below text:_
Any individual can subscribe to the Public Provident Fund on hisown
behalforon behalfofa minorof
who he is a guardian any amount in multiple of Rs. 50/- not less
than Rs. 500/- and not more than Rs.
1,,50,0O0/- in a financial year.
Rule 106(vii):-This sub rule should be replaced with below text;-
The subscriptions can be deposited in lump sum or in convenient
installments. More than one
installment can be deposited in a month.
Rule 106{xxvi):- This sub rule should be replaced with below
text:_
For opening of ppF account, minimum Rs.500/_ rupees
are required.
Rule 106(xxvi)r Add sub rule (xxvii) below this sub rule:_
(xxvii) PPF Account can be extended after maturity
with deposits within 1 year of the date of maturity
of original PPF Account or extended ppF Account by submitting
apprication in Form-4. simirarry, ppF
Account can arso be retained after maturity without further
deposits and barance at the time of
maturity shall continue to earn interest at the rate of
PPF scheme notified from time to time. tn case
PPF Account is retained without deposits,
account holder can take one withdrawal in each financial
year.
FORM - 4
[Application for extension of account)
To,
Sir,
1 My PPF account number_ has matured on
Z I request for extension of my PPF account number_for a further block
period of five years.
3 I have understood the terms and conditions applicable to the account during the period
of extension under the said scheme as amended from time to time and stri abide uy
them.
I hereby declare that I, and the minor( in case of minor accountJ continues to be
Resident citizen of India at the time of commencement of the block period of five years.
Date Signature ofthe account holder /guardian
PIace
IName and addressJ
The account no............ which was opened on ...................... with

Rs....................- [Rupees. ] and matured on has been
extended for a period of_ years with effect from to under ru1e..............of
the.....................scheme.
Necessary entries have been made in the records and pass book/de posit receipt/ statement
of account.
Date Signature of postmaster/Manager

Seal
Rule 108(1[iii):. Add sub rule (iv) below this sub rule:-
(iv) Deposits made in a PPF Account up to 5th of a calendar month (irrespective
of the deposit if made
by cash or cheque of Demand draft or any electronic mode) shall be eligible for earning
interest.
Rule 108(3Xi):- This sub rule should be replaced with beiow text:_
The principal amount of loan will be repaid by the subscriber through pay-in-slip
wlth specific remark. tt
will be credited to the Loan Account of the subscribed in the FINACLE CBS application by
using CPDTM
menu After the principal amount is fully repaid, the subscriber shall pay interest
in not more ih.n t*o
monthly installments at the rate of one percent per annum of
the principal for the period commencing
from the first day of the month following the month in which
the loan is drawn upto the last day of the
month in which the last installment of the loan ls repaid.
Rule 108(3)(ii):This sub rule should be replaced

with below text:_
where the loan is not repaid or is repaid only in part, the penal
interest will be charged at the rate of six
percent per annum. The penar interest on the
amount of loan outstanding and any portion of the
interest payable, but not repaid, will, on becoming
due, be debited to the subscriber,s loan account
contra credit to the interest head as given above. For by
this purpose, the amount of interest wi, be
withdrawn by the batch process in Finacle CBS application.
Rule 108(4):-This sub rule should be replaced with
below text;-
lnterest on subscriptionsilnterest shall be eligible for
a calendar month on the lowest balance at the
credit of an account between the crose of th; fifth
day and the end of the month. rnterest on the
subscriptions made during the financial year and balance
in the account shall be admissible at rates
prescribed from time to time by the centrar
subscriber at the end of each financial year. The
Government. rt wi be credited to the account of the
interest will be calculated oy 6e rirrtecLr cas
application.on 31't March day end as a batch process and '
credited into the account on 1,t Aprir.
Rule 108(5)(ii):- Add sub rule (iii) below this sub rule:_
(iii)on change in residency status of the account
horder on production of copy of passport and visa
lncome-tax return. or
3 It is requested to circulate these corrections to all concerned

for information and guidance
and necessary action
ffi**
(Devendrd Sharma)
Assista nt d irector (SB)
Copy to:-
1. DDG(FS)/DDG(vtc)/As&FA/DDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(pG
&
lnspections)/DDG (pCO/Sr. DDG(pBt)
3. Resident Audit Officer, Room No.517_8, Dak Bhawan, New Delhi.
6. Director PTc Mysore for uproading the sB order on rndia post web site
T Deputy Director (cEpr) o/o cpMG T.N.circre, chennai for
information.
8. AD /lnspection/pF /Vigilance
11. National Savings lnstitute,4 Deen Dayal Upadhyay
Marg, New Delhi.
PS

S.8. Order 09/2020
No.116-12/2016-5B
F.
Government of lndia
Department of posts
(F.S. Division)
Dated : 1,4/02/2020
To,
AII Head of Circles,
subiectiAmend ments to procedural rules relating to sukanya samriddhi Account

scheme in
PosB(cBS) Manual in the light of recent changes circulated vide sB
order 13/2019 dated
78.72.2079.
Sir/Madam,
The undersigned is directed to inform that M.F(DEA) has revised many

statutory rures
relating to different National Savings Schemes which were circulated vide
SB order t3/ZOLI
dated 18.12.2019. The competent authority has now approved to change rerevant procedural
rules and issue corrections slips of posB(cBs) Manual
dated 17.7.20181.
2. Accordingly, the corrections relating to sukanya samriddhiAccount scheme are given below:_
Cor on slios for SSA in sB (cBs ) Manual

Rule 141(2)(e):- This sub rule to be replaced with below text:_
(e) Birth certificate of Girl child is mandatory to be submitted
at the time of opening of account. Birth
certificate issued by only following authorities shall be accepted: _
(i) Municipal authority
(ii) Any office authorised to issue barth and death certificate by the
Registrar of Births and Deaths
(iii) The lndian consulate as defined in clause (d) of sub-section (1)
of section 2 of the citizenship Act,
1955 (57 of 1955)
Rule 141(9)(a):-This sub rute should be replaced with below text:_
(a) subsequent deposits can be made in sukanya samriddhi Accounts in multiple
of Rs.50/- with
minimum of Rs. 250/- and maximum Rs. 1,50,000/- in a financiar year. subsequent
Deposit in an Account
may be made till the completion of fifteen years, from the date of opening
of the Account onry. For
example, if account was opened on 13.05.2014, deposits can be made up to 12.05.2029
onry.
Rule 141(9)(b):- This sub rule should be replaced with below text:_
lf minimum amount of Rs 25o/- is not deposited in a financidr year, a penarty of Rs. 5o/- per year
as
default fee will be collected. ln other words an account under default may be regularized
on payment of
penalty of Rs. 50/- per year along with such minimum specified amount for
the year or years of default.
Rule 141(9)(c):- This sub rule should be replaced with below text:_
(c) ln case of an account under default, if not regularized within 15 years
of the opening of account, then
the whole deposit, including the deposits made prior to the date of default, shall be
eiigible for interest
at the rate applicable to the Scheme till closure of the account.
Rule 1a1(9Xd):-This sub rule should be
treated as deleted'
Rule 141i11):- This sub rule to be replaced
with belowtext:- .-
of SB order -
1312019 dated 18 12 2019' registration of
(11) Nomination:- From date;i;";;';
nominationismandatoryatthetimeofopeningofaccount.Foraccountsalreadyopened,theaccount
holder or guardian statt regist"r norninuiion
tltert before maturity of the account. Guardian or the
may nomrnate any individual, including guardian
account holder after attaining the age of ma.iority
himself in this regard. Till provision o-f tni' i' made
in FINACLE CBS application' nomination should be
registeredinaNominationregistertobemaintainedinmanuscriptasthisWasdonebeforeintroduction
of technologY.
below text:-
Rule 141(1r):This sub rule should to be replaced with
from time to time. From 1" April to 31't March of each
lnterest rate will be notified by the Government
month on the lowest balance in an
iinanciat year, tne interest shall be calculated for the calendar
Account on the deposits made between the close of the
fifth day and the end of the month'
Rule 141(13):- This sub rule should be replaced with below
text:-
years from the date of opening of
(13)(a)r The account shall mature on completion of twenty- one
account.Atthetimeofclosureofaccount,paymentwillbemadetotheGirlChildonlyinwhosename
to her name on attaining the age of 18
account was opened. Girl Child has to get account converted
years by submitting fresh identification and address documents from
the list of officially valid
documents mentioned for opening of a savings account'
of twenty-one years if the
(b) The closure of the account riuy also be- permitted before completion
account holder (girl child) on an application makes a request
for such closure for the reason of her
intended marriage on furnishing ol a declaration duly signed
on non-judicial stamp paper attested by
applicant will not be less than eighteen years
the notary supported with prooiof age confirming that the
ofageonthedateofmarriage.Nosuchclosureshallbeallowedbeforeonemonthfromthedateofthe
marriage'
intended marriage or after three months from the date of
text:-
Rule 141(14)r This sub rule should to be replaced with below
Premature closure of account.-
(a)lntheeventofdeathoftheaccountholder,theaccoUntshallbeclosedimmediatelyonapplication
the
issued by the competent authority and
in Account closure Form on production of death certificate
balanceatthecreditoitheaccountandinterestduethereontillthedateofdeathshallbepaidtothe
gua rdian.
(b)lnterestfortheperiodbetweenthedateofdeathoftheaccountholderanddateofclosureof
theaccountshallbepaidattherateapplicab|eonPostofficeSavingsAccountforthebalanceheldin
the account.
is delegated to the Head of the
(c) Where the Post office (power to sanction of such closure
postmaster, Director) is satisfied that in case of extreme compassionate
Division, sr. postmaster, chiet
groundssuchaSmedicalsupportinlife-threateningdiseasesoftheaccountholderordeathofthe
guardianthattheoperationorcontinuationoftheaccountiscausingunduehardshlptotheaccount
holder,itmay,aftercompletedocumentationestablishin8thegroundsforsuchclosure,byorderand
forreasonstoberecordedinWritins,allowprematureclosureoftheaccount.outstandingbalancein
theaccountWithinterestdueasa=ppiicabletotheschemeshallbepaidtotheaccountholderor
guardian, as the case maY be.
id1 iro p."*r,rr" closure of an account
under above sub rule (c) shall be made before completion of five
years from the date of opening of the account'
Rule 141(15):- To be replaced with below text:-
(girl child) attained the
operation of account: - The shall be operated by the guardian till account holder
after submitting her
aje of t8 years. Thereafter, the account holder (girl child) shall operate the account
KYC documents as prescribed for opening of a savings account'
Rule 141(16){b}:- This sub rule should be replaced with following text:-
Transfer of account :. Account transfer from one post office to another and from one post office to bank
and vice versa can be allowed on payment of a fee of Rs.1O0/- + Lg% GST in the manner mentioned in
SB
order 3/2020 dated 10.1.2020. For transfer of account from post office to Bank and vice
versa,
procedure laid down for PPF Scheme account shall be followed. Transfer
of account from CBS enable
post office to non CBS post office and vice versa.
Rule 141(16Xb):- This sub rule should be replaced with below text;-
Transfer of account rAccount transfer from one post office to another and from
one post office to bank
and vice versa can be allowed on payment of a fee of Rs.10O/- + 1g%
GST in the manner mentioned in SB
otder 3/2020 dated 10.1.2020. For transfer of account from post office to Bank
and vice versa,
procedure laid down for PPF Scheme account shall be followed.
Transfer of account from CBS enable
post office to non CBS post office and vice versa.
Rule 141(16)(c):-This sub rule should be replaced with following text:
Settlement of claims of deceased depositorsl ln case of death of Guardian
before the Girl Child
becomes major or in case of death of Girl Child after conversion of account into
her name, procedure
laid down for settlement of deceased craim cases for a savings account shaI
be folowed.
3. lt is requested to circulate these corrections to all concerned for information and guidance
4 This issues with the approval of Competent Authority
ffi**
(Devendra Sharma)
Copy to:-
1. DDG(FS)/DDG(vtG)/As&FAlDDG(pAF)/DDG(RB)/DDG (Estt.)/DDc(pG &

3. Resident Audit Officer, Room No.517-8, Dak Bhawan, New Delhi.
4. All Directors/Dy. Directors of Accounts, postal
6. Director PTC Mysore for uploading the SB order on lndia post Web Site
T Deputy Director (cEpr) o/o cpMG T.N.Circre, Chennaifor information.
8. AD /lnspection/pF /Vigilance
9. All recognized un ions.
Upadhyay Marg, New Delhi.
PS

S.8. Order |O/ZOZO
F.No.115-12/2016-5B
Government of lndia
Department of posts
(F.S. Division)
To,
Dated : 1,4/02/2020

*9l:gilnlendments to procedurar rures rerating to Recurring Deposit (RD) schemes in

Pos8(cBs) Manuar in the right of recent changes circurated vide sB order
18.72.2019.
ri/zors oatea
Sir/Madam,
The undersigned is directed to inform that M.F(DEA)

has revised many statutory rures
relating to different Nationar savings schemes which
were circurated vide SB order r3/zo1g
dated 18.12.2019. The competent authority has now approved
to change rerevant procedurar
[circurated vide sB order No.9/201g
dated 17.7.20181.
2. Accordingly, the corrections rerating to Recurring Deposit (RD) scheme are given berow:-
Correction sli DS for RD in POSB (cBs) M anual
Rule 55(1):-This sub rule should be replaced with

below text!
A RD account may be opened for a period of 5 years.
Monthly deposits can be made in multiples of Rs.
10 with a minimum amount of Rs. 100/-. The amount
of deposit made at the time of opening an account
cannot be varied during the currency of the account.
Rule 69(2):- This sub rule should be replaced with
below text:_
A joint account may be opened by up to three
adults. on the basis of mode of operation, Joint Accounts
shall be of two types, namely:-
(a) Joint'A'type, to be operated by all the depositors or the surviving
depositors; and
(b) ioint 'B' type,to be operated by any of the depositors
or the surviving depositors severa[y.
Note below Rule O9(2) should be omitted.

Rule 59(3) :- This sub rule should be replaced with below
text:_
Minor Account: - Provisions of Rule 13(ii) shall be applicable for RD accounts also. on attaining majority,
he/she may:-
(a) continue the account for fuII maturity period, or the maturity period
as extended under sub-
paragraph (1) of paragraph 6 of NSRD Rules 2019, or for a further period under paragraph 10 or
paragraph 11 of NSRD Rules 2019, as the case may be; or
(b) if he does not continue the account any ronger,
craim proportionate amount as specified in sub-
paragraph (1) of paragraph 9 of NSRD Rules 2019
on expiry of maturity period, or the amount due under
sub-paragraph (2) of paragraph 10 or sub-paragraph (2)
of paragraph 11 of N5RD Rules 2019, as the case
may be.
(c) The minor who exercises the option to continue the
account under crause above (a) sha[
submit fresh account opening form and Kyc documents
as required at the time of opening new RD
account with a declaration as follows:
"l hereby declare that the Government savings Promotion
General Rules-201g and the National
savings Recurring Deposit scheme,2019 have been read by/to
me and laccept the said rules and the
scheme and all such amendments thereto as may be issued from
time to time binding on me,,.
(d) The status of account wi automatica[y be shown as ,,Freeze,, in asFTNA.LE cBS Apprication.
During next transaction, in cMRc menu option, in account modification ,,mode
option, of operation,, to
be changed to 0L2-self to enable the ex-minor to operate
the account andependently.
(e) claim the proportionate amount payabre on the maturity of the account, if the
account got
discontin ued.
Rule 70(2)(b):-This sub rule shoutd be replaced with below text:-
The account will be treated as discontinued if there are more
than four RD month defaults. Revival of
such account will be permitted only within a period of two RD months
from the fourth RD month of
default after payment of necessary default fee. lf the account is not
revived within this prescribed
period, it will be treated as discontinued and shall not
be permitted to be revived after the said period.
Rule 74(1) :- Add sub rule (1A) below this ruler
Rule 74(14):- For the account opened from the date of receipt
of SB order !3/20L9 dated 1g.12.2019,
following table should be used for payment of rebate:-
S.No. Number of advance deposits
I
Rebate for an account of one
hundred rupees denomination
(1) 12) (3)
1 Six or more deposits but notexceeding eleven Ten rupees
de sits made in any calendar month
2 Twel ve or more deposits made in any calendar Forty rupees for every twelve
month deposits and ten rupees for the
I
balance, if any, of not less than
I
six deposits.
Rule 74(4):- This sub rule should be replaced with below text:-
lN respect of an account becoming discontinued in terms of NSRD Rures, 2019,
rebate on advance
deposits will be admissible only if all the arrear installments with penalty
are paid along with the
advance deposits within 2 RD months from the RD month of fourth default.
Rule 76(2):- ln this rule, word "application for withdrawal,,and ,.withdrawal
form,,should be replaced
with "application for loan in Form-5,,
Rule 77(2)(b):- Add below text at the end of this sub rule:_
ln case RD Loan is taken after the date of receipt of sB order 13/2019
dated l8.lz.zo\g, amount should
be in multiple of Rs.10/-.
Rule 77(2)(c):- Add below text at the end of this sub ruler
ln case RD Loan is taken after the date of receipt of SB order 13/2019 dated 1,8.12.20!9,
amount of loan
(withdrawal) should be divisible of 10.
Rule 77(2) (e):- rn Note 1 below this rure, reprace "application for withdrawar (sB-7),,with ,,apprication
for loan in Form-s".
Rule 76 and 77i Replace word ,.withdrawal,, with word ,,loan,,.
Between Rule 75 and & 77 add below specimen of form
FORM - 5
(Application for loan)
To,
Sir,
l/We....... (account holder(s)/guardian) hereby apply for loan
from my/our account as per details below:-
Account Number:
Amount of Loan a pp1ied.,..............
*Certified, that amount of loan to be

the availed is required for the use of
who is alive and still a Minor.
2. Please Credit the amount of loan to my SB Account no sta nd ing

at (Name of Acco unt office).
or
Please issue a Demand Draft/account payee cheque
or
Please pay in cash (applicable if the amount is below permissible limit of cash payment).
3 l/we certify that all the conditions applicable under scheme for grant of loan have been
complied with.
Da te:- Signature or thumb impresslon of account holder(s)/guardian
Attested
(Attestation is applicable in case of thumb impression)
For office use only
Payment detail
Amount available in Account Rs.
Date of lnitial Subscription

_
Date on which last loan was allowed
TotalAmount granted for loan Rs (ln figures)

(ln words)_
Date Stamp Signature of Postmaster/Ma nager

Acquittance
(to be filled by depositor)
Received Rs (ln figures) (in words) By cash/cheque/DD

bearing no........ dated..... /by transfer to Account No......... .......
Da te Signature/thumb impression of account holder(s)/guardian
Rule 78:- Below sub rule (l)(iv), add sub rule (1)(v) as given below:_
(v) From date of receipt of sB order 13/2019 dated r8.tz.2o1g,
account holder has to give application
for extension of account after maturity in prescribed Form-4 attached to NSRD Rules
2019. post Offices
should take this application when account holder attends post office to deposit
61't instalment and keep
application form in a guard file.
FORM - 4
(Application for extension of account)
To,
The Postmaster/Ma nager
Sir,
1. l/we depositor of Account
Number under National Savings Recurring Deposit Scheme in your office. The
said account was opened on and has/will mature on for
payment. We here by request for extension of the account for a further period
of _ year(s) (as per
rule 10/11 of Scheme rule) from the date of maturity of the above said account.
2. l/We have understood the terms and-am/are conditions applicable to the account during the period of
extension under the said scheme as amended from time to time and shaI abide by them.
Sagnature of the account holder(s)/guardian

Name and address of Account Holder(s)
Place
Date

The account no which was opened on ........ with Rs
(R u pees ) under_(Name of scheme) and matured on

...., has been extended for a period of _ years with effect from .................... to
......under ru1e..............of the.................,.:.scheme
Necessary entries have been made in the records and pass book/deposit receipt/ statement of
account
Date
Signature of Postmaster/Manager
Seal
Rule 78(1Xii):-tn this sub rule, before
word ,.(a),,, add ,.on makint application in Form
Rule 78(1)(iv):- add sub rule (v) below sub 4,,
.rt" 1ir1,_
(v) lf maturity value of a discontinued account
is retained by the account holder after the
maturity, interest at the rate appricabre to this date of
scheme for compteted years, and at the rate
to the Post office savings Account for compreted months, appricabre
if ;he period is ress than a year, sha, be paid
on the maturity varue on the date of maturity.
The inter;st in ,nir.rr. may be paid
period of five years from the date of upto a maximum
maturity of the account.
Rule 85(1):- ln this sub rule, replace word ,,denomination
of Rs.50/_,, with word ,denomination of
Rs.100/-".
Rule 85(1)(b):- ln this sub rure, reprace word ,,not
more than 53 years,,with ,,not more than
55 years,,
Note 2 and Note 5 below Rule 8G(4):- ln these ,,Rs.5O/-.,with
notes, replace word word ,,RS.1OO/_
3 lt is requested to circulate these corrections to all concerned for information

and n ecessary action. and guidance

Authority.
ffi'2;*P
(oevenLiS'sharma)
Assista nt d irector (SB)
Copy to:-
1. DDG(FS)/DDc(vtc)/AS&FAIDDG(PAF)/DDG(RB)/DDG
(Estt.)/DDG(pG &
3. Resident Audit Officer, Room No.517_B, Dak Bhawan, New Delhi.
6. Director PTC Mysore for uproading the sB order on rndia post web
site
7. Deputy Director (CEPT) O/o CpMG T.N.Circle, Chennai for information.
8. AD /lnspection/pF/Vigilance
Upadhyay Marg, New Delhi,
PS

S.B. Order Ltl2OZO
No.115-12/2016-5B
F.
Government of lndia
Department of posts
(F.S. Division)
To,
Dared - 14 IOZ/2OZO

subiect:-Amendments to procedurar rures rerating to

senior Citizen,s savings schemes in
PosB(cBS) Manual in the right of recent changes
circurated vide sB order i3l20t9 dated
78.12.2019.
5ir/Madam,
The undersigned is directed to inform that MoF(DEA)

has revised many statutory rures
relating to different Nationar Savrngs Schemes which
were circurated vide sB order 1,3/2org
dated 18 12.2019. The competent authority has now approved
to change rerevant procedurar
[circurated vide sB order No.9/201g
dated 17.7.20181.
2. Accordingly, the corrections rerating to senior Citizen,s savings Schemes are given berow:_
Cor tio n s for n tor tizens vtn hem n POSB nua I
Rule125(6):-This sub rule should be replaced with below

text:_
The account shall be opened with a minimum deposit
of one thousand rupees or any sum in murtipres of
one thousand rupees not exceeding fifteen lakh rupees:
Provided that the deposits in the account specified under crause (ii)
paragraph 3 of senior citizens savings Scheme
of sub-paragraph (1) of
Rules 2019, shall be restricted to the retirement
received, or fifteen lakh rupees, whichever is lower. benefits
Explonation'- For the purposes of this sub paragraph, "retirement
benefits,, means any payment due to
the account holder on account of retirement on iuperannuation
or otherwise and includes provident
Fund dues, retirement or superannuation gratuity, commuted
varue of pension, cash equivarent of
leave, savings element of Group savings Linked rnsurance
scheme payabre by the emproyer on
retirement, retirement-cum-withd rawar benefit under
the Emproyees, Famiry pension scheme and ex_
Sratia payments under a voluntary or a special voruntary retirement scheme.
Rule 125(8) :-This sub rule should be replaced wlth below
text:_
Premature Closure of Account:-
(1) The account holder may withdraw the deposit
and close the account at any time on an application in
prescribed form subject to the following conditions,
namely:,
(i) ln case, the account is crosed before one year after
the date of opening of account, interest paid on
the deposit in the account sha, be recovered from the deposit
and the barance sha, be paid to the
account holder.
(ii) ln case the account is crosed after the expiry
of one year but before the expiry of two years from the
date of its opening, an amount equal to one and a half per
cent of the deposit shall be deducted and the
balance shall be paid to the account holder.
(iii) rn case the account is crosed on or
after the expiry of two years from the date
one percent of the deposit sha, be deducted of its opening, an
and the batance shalr be paid to the
:H:ll ;fi.Jr.
(2)' The account horder avairing the
facirity of extension of account, may withdraw
anv time after the expiry of one
the deposit and crose
vear from the date of extension of the account without
ff::ta"r:?H
(3) rn case of premature crosure, interest
on the deposit sha, be payabre upto the
date of premature closure after deductlon date preceding the
Rule 125(9):-This sub rule shoutd be
oi penatty ar:#;;
in sub_paragraph(1)
ln case of death of the depositor

replaced with fi"l"* i*:.-
before maturity, the account shal be crosed
along with interest at the rate of scss till and deposit refunded
aate or oeatn aJ ,.," of savings Accou nt ti1 the date of
final closure of the account. "iirr"
Rule 125(10) :- This sub rule should
be replaced with below texti
"ln case of a joint account, or where the
spouse is trre sore nominee, the spouse
account on the same terms and conditions may continue the
as specified under this scheme, if the
spouse meets erigibility
conditions under the Scheme on the date
of death of the account holder.,,
where both the spouses have opened separate

account or accounts under this scheme and either of the
spouses dies during the currency of such
account or accounts, then such account or
the name of the deceased account holder a.aor.,t, ,tunaing in
shall not be continued and shall be closed.
Rule125{18)rThis sub rule should be replaced

with below text:_
ln case the depositor does not close the
account on
period of three years by making a n. apprication
..*riiv."a
also does not extend the account for a
within a perioi of one year after the maturity period
years' the account shall be treated as of 5
matured ano poit maturity interest at the
deposits under Post office savings Accounts rate applicable to the
from time to time shall only be admissible
beyond maturity till the closure of the account. for the period
Rule125(19):- Add sub rule (19A) below sub
rule (19)_
(19A) From the date of receipt of sB
order r:/)oig oatea r8.L2.201.g, registration of
mandatory and shourd be registered as pe, procedure nomination is
,untionua in Rur14 0f GSpR Rures 201g. For
also, account hotders shoutd be asr,eo to ,.egiste,.
nomination tatest before maturity of
:;:r:::i:::r*r
Rule 125(20)(1):- add following text betow
this sub rulei
Provided that for corection of fee, procedure
raid down in sB order 03 /2020 dated 10/!/2020.
Rule 126(iv):- Add following text below
this sub rule:_
Provided that from the date of receipt
of sB order 13/2019 dated 1g.L2.2oLg,fee for
passbook shall be Rs.50/- + GST each issue of dupricate
time.
Rule l3a(iXbl :- Add sub rule (c) betow sub
rute (b):_
(c) From date of receipt of sB order 13/2019
iateo 78.12.201,9, premature closure of the account is
also allowed before one year of opening
of account. lf account is closed before one year
of opening of account, interest paid on the after the date
deposit in the account shafl be recovered from
and the balance shall be paid to the account the deposit
holder.
3' lt is requested to circurate this amendment to aI

concerned for information and guidance

Authority.
6h-*
(Devendra Sharma)
Copy to:-
1s. DDG(FS)/DDG(Vtc)/AS&FAlDDG(pAF)/DDG(RB)/DDG (Estt.)/DDG(pG

&
ln s p ect io n s )/D DG (pCO/Sr. DDG(pBt)

17. Resident Audit Officer, Room No.517-8, Dak Bhawan,
New Delhi.
1.8.All Directors/Dy. Directors of Accounts, postal
19. Director, RAKANpA, Ghaziabad, All Directors, postal Training
Centres.
20. Director PTC Mysore for uploading the SB order on lndia post
Web Site.
21. Deputy Director (cEpr) o/o cpMG T.N.circre, Chennai
for information.
22. AD /lnspect io n/p F/Vigila n ce
24. MOF(DEA), NS-I, North Block, New Delhi
25. National Savings tnstitute,4 Deen Dayal Upadhyay Marg,
New Delhi.
S.B. Order L2/2O20
F.No.116_12l2016_SB
Government of lndia
Department of Posts
(F.S. Division)

To, Dated i 14 /02/2020
subiect:-Amendments to procedurar rures rerating

to savings Account and Appendix-* in
in the light of recent.r,,ung"J.ir.rtu,ed
i::i1:::fr.ûat vide sB order 13l201e dated
Sir/Madam,
The undersigned is dire^cted to inform

that M.F(DEA) has revised many statutory
relating to different Nationar savings rures
Schemes whicir were circurated vide
dated 18 12 201g. The competent authority sB order 1,3/2019
has now approved to change rerevant procedurar
rules and issue corrections srips of posB(.Bs)
dated t7.t .201,8).
,r"rli i.i.,
r.ted vide sB order No.9/2018
2' Accordingry, the corrections rerating

to savings Account and Appendix-* are given
berow:-
Correction Slips for Savings Account and
General in POSB(CBS) Manual
Rule 13:- Below this rule , add below
note :_
Notei From the date of receipt of SB order
13/2019 dated 78.12.20L9, post office
Rules 2019 shall applv to all savings savinSs Account
Accounts. onrv ouro* types of savings
:;:en:r; account can be
(a) a single adult;
(b) two adults jointty;
(c) a guardian on behalf of a mrnor;
(d) a guardian on behalf of a person of
unsound mind;
(e) a minor who has attained the age of ten years,
in his owrl name:
Rule13(i)(a) :- add following text below
this sub rule:_
of sB order 13/2019 dated Lg.72.201-9, there wi,
difference in savings Account opened with not be any
cheque book or without cheque book. Arso, joint
br by two adurts onry..An individuar'can open onty account can
1*l:o
required for opening of savings Account
on" singre account. Minimum amount
sha be Rs.500/- irr.rpu.tir" of if cheque Book is required
not An individual can open one joint savin8s or
account with any other adult individual. e.ria"Jinat
one account can be opened by an individualas onty
a single account,
Rule13{ii} :- add following text below this
sub rule:-
Provide that from the date of receipt
of sB order 13/2019 dated Lg.r2.zoLg, minor account
through
opened if that minor has atready op"n"J'u savinss
i:il1:H:ifi:be account in any post office in
Rule 13 (iii) :- Replace this sub
rule with below text:-
Savings Account opened on behalf
of persons of ,nrorra mind through
Rule 13(iv) :- Replace this rule Guardian:_
with below text:-
Pension Account:- From the date
of receipt of sB order 13/2019 dated
7g.12.2079, there wi, be no
;::::Xt i,"fiil,:n:l;,H?lT;l;l;;XT:::,1:i,fll"'r"" pavment ,r'.,ch-,",i;ffice savings
either a sinste sru,"rr-o..or",
only "pened
Arr other restrictions earrier
in t i./t n"r" or ]t,ili:?3:::ffi:"Jli1 ?Lfi::,rffi.:
", oarr,".'o*ounts
mentioni r".. sha, not be appricabre and the
accounts shall be treated as normal
savings accounts.
Rule 13(vi) :- Replace this rule
witn Uetori texir
receipt or sB order 13/201e dated
illiii:#::$l#ii,l,l;,il';,::;
RuIe 13(vii):- Add following text
::';n:r 18 12 201e, this
belowthis rulei
(vii) Basic savings Account:- provided
that from the date of receipt of sB
L8'L2'2019 no new Basic savings order 13/2019 dated
Account sha, o"
'
Rute 15 (12):-Add below sub rute "p"r"a
aftersub rule tfii-
,"0".
'-'" this category of savings account.
(13) From date of receipt of sB
order tztzitti dated 18.12.2019, registration of nomination
is
trl,',Xt::lil oo"ned through guardian. r,romination
i,l ,Yffit'ff"i:.Tll1-'1'*',:o...*,*, can
rorm ror registrati;; ;;;;; ;iH:ijJ:ilii:lll:,,::i:1:i*,?ff[H,[:1,
(a) Name(s) of the nominee(s);
or in iie app,ication
(b) percentage share each nominee shall

(c) Whether the nominee sharr receive be entitled to;
rt
of ownership, or as a trustee for.ttre "
.rorni*
, beneficiary with absorute and excrusive right
(i) ln case of an account opened by
benefit of ,m f"J
n",r, of depositor.
a minor or on u"i.tr or. minor or person
a of unsound mind,
n:lffi'fi#},lid[",:;JJl"'"" 't''tto" m'ae nlin"'r,,.,u", *no,., no,,n.,eln,irnoiviauar,
Provided that in respect of such

accounts opened before the 1,r Aprir
the depositor, the eligible amount 201g, in the event of the death of
Rule 16(a)r Add below note at
shall be *,0 ," ,r* ,r.rji".
-"'
the end of this srO rrt""=-
Note:- From that date of receipt of sB
order 13/2019 Ja red rg.r2.2ol,g,rdentification proof
Proof should be taken from one of and Address
the below mentioneJ valid documents if
has not mentioned his/her Aadhaar the account holder
number detail; "trio.,,,.oO, of
;nJ Oror""O
(i) the passport, (ii) the drivins the same:_
ricence, (iii) the v;i;;;.;;;; card issued by the Erection commission
of rndia, {iv) job card issued bi, w.h"t*
canahi ruatronainrrit rrptoyr.nt Guarantee
by an officer of the state Government, Act dury signed
(v) Ietter issuea uf tt'e rrrationar popuration
Post office has to ensure that name Register.
and Address of the account horder mentioned
Form should match with identification in account opening
anO aOOress-proo-t io.-ui"r,
Rule 16(b)(iv):- Add following text - - -- ,,""r.
below this sub rule,-
of sB order 13/2019 dated 7g.1-2.201-9,2
at the time of registration, cancellation witnesses sha, be taken
or variation in case account horder is iIiterate and
no witness shall be required in case of "i
a literate depositor ""ri,r"ii,
ior,f* Ourpor".
Rule 17(2):- Add below note after
end of this sub rule:-
Note:- From the date of receipt of sB
order r:7zors arr.a L8.r2.zo.,g,age proof
document while opening t..orni u,ii", of minor shourd be
l, *tJ:;:::"rv ,rihe name of minor or on beharf of minor
Rule 28(2)(a)(iii)r tn this sub .r,:: ,,Rs.5/_,,shaI
Rule 42(1) :- Replace this rule with
yold be reptaced with ,,Rs.5Ol-...
below text:-
42(1,:. Post Office Savings Account
l:leprescribed fee
of
can be transferred from one post office
to another on payment
except in thflo owing case:-
(i) After death of the depositor
(ii) After an account has been ordered to be closed.
Rule 43(2)(a):- Add below note after this sub rule:-
Note:' From the date of receipt of SB order 13/2019 dated 18.12.2019, transfer of account
can be done
by that HPo only where account stands or in case account stands at a So, it
can be transferred by only
that HPo in whose jurisdiction that So is working. lf application for transfer of account
along with
prescribed documents is presented at any other So or Ho, the application
alongwith documents should
be sent to the 50 or Ho where accounts stands (home soL) in a service insured
cover and details of such
applications should be entered in a register to be maintained in manuscrapt.
Rule 45(1):- ln this sub rule, word ,Rs.1,Ol-,,should be reptaced with,,Rs.sol_ r
cST @ 18%,,. Text,, .
words "in the shape of postage stamp in the space provided for the purpose,, shourd be replaced
with ,,
in cash and accounted as per procedure laid down in SB order 3/202 O dated
LO/l/2O2O,, .
Rule 48(2) :- This sub rule should be treated as deleted from the date of receipt
of sB order 13/2019
dated 18 12.2019 as conversion of single into joint and vice versa is not allowed
as per new Rule g of
GSPR 2018.
Rule 54(5):- Add below sub rule after sub rule (5)
(6) From date of receipt of sB order 13/2019 dated 18.1,2.2oLg, maintenance
charges of Rs.100/- + GST
@18% shall be deducted on the last working day of the Financial year from all the savings accounts
which shall not maintain minimum balance of Rs.5o0/ irrespective of if the account
is silent oi not.
Rule 55(8):- Notice printed below this sub rule to be replaced with below
TO BE ISSUED TO DEPOSITOR WHERE ACCOUNT MAINTENANCE CHARGE I5 DEDUCTED

NOTICE
From
To
Subject : Recovery of Account maintenance charges.

Sir/Madam,
This is informed that in your savings account No.........................standing at......................post office,
minimum balance of Rs.500/- is not maintained during the financial year
Under
Paragraph 4(6) of the savings Account Rures 2019, an account maintenance .h.rg" of Rr. 1007- *
GST
applicable has been deducted from your account. lf balance in your account shall become NIL
after
deduction of this charge, your account shall be automatically closed.
Yours faithfully,
Date.. (Postmaster)
Correction Slios for Aopendices pOSB(CBS)
Manual
Appendix-ttt
Para 3(vi):-ln this sub para, word
"Rs.s/r,should be replaced by,, Rs.50/_,,
Para 8i Replace this para
with below text:-
8' collection charges for outstation charges:-
outstation cheque corection charges as notified
Reserve bank of rndia from time to by
shourd be ar,argal fro, the account horder.
.time
cheque collection charges should be charged However, no
ir .t,"fr" ir*ed by postmaster on account-of maturity
of any account or certificate is treated "ny
as;utstation Orrirg.f"..,ng
Para 14(1)(a):- Add Note 3 below Note
2ofthis sub para:l
Note 3rFrom the date of receipt of sB
order 13/2019 dated 7a.72.20rg,cheque book uptolo
a calendar year wi, be issued free of leafs in
any charge ana tnereafter a charge of {2 per
deducted from account of the account holder cheque reaf wi, be
at the time of issue of cheque book.
Para21. This para should be replaced with
below textl
Service charges on dishonored chequesi
(1) ln case any cheque presented
by any account horder of a savings account
deposit into his/her savings account or for in any post office for
opening of ary .,e* account under any
during ctearing, a service charge of Rs.too/_ + other scheme is
::r:"rfi*, riz csr witt be debited from his/her savings
(2) ln case a non- account horder presents
a cheque for investment in any of the nationar
Schemes and that cheque is dishonored, savings
iee Oni.fOOi_ _ CST O 18% shall be collected
person as and when he/she attends post from that
office and account for the same pu, ...orniing pro.edr."
mentioned in SB order 03/2020 dated 1,0.f .2020. ",
3 lt is requested to circulate these corrections to
all concerned for information and guidance
4 This issues with the approval of Competent

Authority
mi,@
(Devendra Sharma)
copy to:-
1. DDG(FS)/DDG(vtG)/AS&FAIDDG(pAF)/DDG(RB)/DDG
(Estt.)/DDG(pG &
ln spect io
ns)/DDG (pCOlSr. DDG(pBt)
3. Resident Audit Officer, Room No.5i.7-8, Dak Bhawan, New Delhi.
6. Director PTC Mysore for uploading the sB order on rndia post web site
8. AD /ln p ection/p F/Vigila n ce
s
9. All recognized un ions.

11. National Savings lnstitute,4 Deen Dayal Upadhyay Marg,
New Delhi.
S.B. Order L3/ZOZO
F.No.116-12/2016-SB
Government of lndia
Oepartment of posts
(F.S. Division)
Dated :_ 02/O3/2o2O
To,
Subiect:- Addition of new Appendices and Amendments to procedural

rule in POSB(CBS)
Manualregarding.
Madam/Sir,
The undersigned is directed to inform that the competent

authority has decided to
amend POSB(CBS) Manual as detailed below:-
(i) Standard operating Procedure (SOp) of tntra Operable Netbanki

ng for POSB Savings
Account circulated vide SB Order No.1/2019 dated 03.01.2019
shall be t reated as AP PENDIX.
XX of POSB(CBS) Manual.
(il) Standard operating procedure (sop) for handring of uncraimed
accounts/certificates
identified under senior citizen werfare Fund Rures 2016 circurated
vide SB order Nto. os/zoig
dated 13.09.2019 shall be treated as AppENDtX XXt of POSB (CBS)
Manual.
qli standard operating procedure (sop) after imprementation of GL Integration between
cBs and csr transactions circulated vide sB order No.9/2019
dated 13.09.201g shall be
treated as APPENDTX-XXIt of pOSB(CBS) Manual.
(iv) standard operating procedure (sop) for operation of Dop rntra operabre Mobire
Banking circulated vide s8 order No.11./2019 dated 14.10.2019
shall be treated as AppENDrx_
)filll of POSB(CBS) Manual.
2. Rule 141(16Xb) of posB (cBs) Manual atso circulated vide sB orde

t ogl202o:- This sub rule
should be replaced with below text:-
Account transfer from one post office to another and from one post
office to bank and vice versa can
be allowed on payment of a fee of Rs.1oo/- + 18% Gsr in the manner
mentioned in sB order 3/2020
dated 10.1.2020. For transfer of account from post office to B3nk ond
vice versa, procedure raid down
for PPF scheme account shall be followed. Transfer of account from cBs
enable post office to non cBs
post office and viue versa shall not be allowed.
3. lt is requested to crrculate these amendments to all concerned for

information and guidance
4. This issues with the approval bf Competent Authority.
,,ffiff'
Copy to:-
1. DDc(Fs)/DDG(vtG)/As&FA/DDG(pAF)/DDG(RB)/DDG (Estt.)/DDG(pG
&
3. Resident Audit Officer, Room No.5i.7-8, Dak Bhawan, New Dethi.
4. AII Directors/Dy. Directors of Accounts, postal
5. Director pTC Mysore for uploading the SB order on lndia post Web Site.
7. Deputy Director (CEPT) O/o CPMG T.N.Circle, Chennaifor information.
8. AD /lnspection/pFlVigila nce
10. MOF(DEA), NS- , North Block, New Delhi
11. NationalSavings lnstitute,4 DeenDayal Upadhyay
Marg, New Delhi.
PS

F.No 113-03/2017'SB
Govt. oflndia
Department of Posts
(F.S. Division)
DakBhawan, New Delhi-l 10001
Dated: 31.03.2020
To,

Subiect i Regarding waive off penalty/revrval fee (default fee) in RD/PPF/SSA Accounts.
Madam/Sir,
Representations were received in this Directorate from various quarters to consider the exemption/waiver of
penalty/revival fee (default fee) in respect of RD/PPF/SSA Accounts as the customers were not being able to deposit their
due amounts in time due to lockdown situation in view of COVID-l9. The issue was taken up with Ministry of Finance to
consider the same and the Ministry of Finance has approved the exemption of penalty/revival fee for RD/PPF/SSA
Accounts and intimated as under:-
"The subscribers of RD/PPF/SSA Accounts may deposit the mandated due amount, if any of current F.Y. (2019-20) and
April, 2020 (as the case may be) in their respective accounts till
30th June, 2020 and no penalty/revival fee shall be
charged".
2. Accordingly necessary amendments are being made in Finacle. Non'CBS Post Offices should also take necessary
action accordingly.
3. It is requested to circulate itto all concerned for information and necessary action. The same may also be placed on
the notice board ofthe all Post Offices in public area.
I el
(
Assistant Director General (CBS)
Copy to:'
1. Sr. PPS to Secretary (Posts)/Sr.PPS to Director General Postal Services.

2. PPS/ PS to Adtll. DG (Co'ordinatiod/tlember (Banking)/ Member (O)/ Member (P)/ Member (Planning & HRD, Member
(PLI)/ Member (Tech)
3. Additional Secretary & Financial Adviser
4. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
5. Sr. Deputy Director General (Vig"ilance) & CVO) / Sr. Deputy Director General (PAF)
6. Director, RAKNPA / GM, CEPT / Directors of all PTCs
7. Director General P & T (Audit), Civil Lines, New Delhi
8. Secretary, Postal Senrices Board,/ All Deputy Directors General
9. All General Managers (Finance) / Directors Postal Accounts / DDAP
10. Chief Engrneer (CiviD, Postal Directorate
11. A1l Sections of Postal Directorate
12. A11 recogrized Federations / Unions/ Associations
13. GM, CEPT for uploading the order on the India Post website.
14. MOF(DEd, NS'II, North Block, New Delhi.
15. Joint Director & HOD, ICCW Building, 4 DeendayalUpadhyayMarg, New Delhi-110002
16. Guard FiIe
17. Spare copies.
SB Order No. 15/2020
F. No 113-03/2017-SB
Govt. of India
Department of Posts
(F.S. Division)
Dated: 31.03.2020
To,

Subject ; Revision of interest rates for Small Savings Schemes w.e.f. 01.04.2020
Madam/Sir,
The undersigned is directed to say that vide memorandum no.1/4/2019-NS

dated 31.03.2020 (copy enclosed), Govt. of India, Ministry of Finance, Department of Economic
Affairs (Budget Division) have informed that, the rate of interest on various Small Savings
Schemes for the first quarter of financial year 2020-21 starting 1st April, 2020 and ending on
30th June, 2020 have been revised, as under:
Sl. Instruments Rate of interest Rate of interest Compounding

No. w.e.f. 01.01.2020 w.e.f 01.04.2020 Frequency*
to 31.03.2020 to 30.06.2020
01. Post Office Savings Account 4.0 4.0 Annually
02. 1 Year Time Deposit 6.9 5.5 Quarterly
06. 5 Year Recurring Deposit 7.2 5.8 Quarterly
07. Senior Citizen Savings 8.6 7.4 Quarterly and
Scheme Paid
08. Monthly Income Account 7.6 6.6 Monthly and paid
09. National Savings Certificate 7.9 6.8 Annually

(VIII Issue)
10. Public Provident Fund 7.9 7.1 Annually
Scheme
11. Kisan Vikas Patra 7.6 6.9 Annually
(will mature in (will mature in
113 months) 124 months)
12. Sukanya Samriddhi Account 8.4 7.6 Annually
Scheme
Cont. on page 2/---

-2-
3. It is requested to circulate it to all concerned for information and necessary guidance.

Same may also be placed on the notice board of all Post Offices in public area. The relevant
calculation tables will be supplied in due course on receipt from the DEA/MoF.
Yours Faithfully,
(Devendra Sharma)
Copy to:-

2. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/
Member (P)/ Member (Planning & HRD)/ Member (PLI)/ Member (Tech)
5. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director
General (PAF)
8. Secretary, Postal Services Board/ All Deputy Directors General
10. Chief Engineer (Civil), Postal Directorate
11. All Sections of Postal Directorate
12. All recognized Federations / Unions/ Associations
14. MOF(DEA), NS-II, North Block, New Delhi.
15. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New
Delhi-110002
16. Guard File
17. Spare copies.
e_office Ref : 113-02/2019-SB
F.No.113-03/2017- SB
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dated: 13.05.2020.
ADDENDUM
To,
All Head of Circles/Regions.
Sub: - Revision of Interest Rates/Interest Tables of National Savings Schemes w.e.f.

01.04.2020 to 30.06.2020 regarding.
Sir/Madam,
In continuation of this office letter of even number dated 31.03.2020

on the aforesaid subject, the undersigned is directed to forward copies of gazette
notification received from Ministry of Finance for further circulation. Copies of
following notifications are enclosed:
(i) G.S.R. 283 (E) K.V.P. (Amendment) Scheme, 2020.
(ii) G.S.R. 284(E) N.S.C. (VIIIth Issue) (Amendment) Scheme, 2020.
(iii) G.S.R. 285(E) N.S.R.D. (Amendment) Scheme, 2020.
(iv) G.S.R.286(E) N.S. (M.I.S.) (Amendment) Scheme, 2020.
(v) G.S.R. 287(E) Sr. Citizen Savings (Amendment) Scheme, 2020.
(vi) G.S.R. 288(E) S.S.A. (Amendment) Scheme, 2020
(vii) G.S.R. 289(E) N.S.T.D. (Amendment) Scheme, 2020.
(viii) G.S.R. 290(E) P.P.F. (Amendment) Scheme, 2020.
This issues with approval of the competent authority
Enclosed:- As above. Your's Faithfully,
(Devendra Sharma)
Copy forwarded to:-

Member (P)/ Member (Planning & HRD)/ Member (PLI)/ Member (Tech)
General (PAF).
Delhi-110002
16. Guard File
17. Spare copies.
(Devendra Sharma)
रजिस्ट्री सं. डी.एल.- 33004/99 REGD. NO. D. L.-33004/99
सी.जी.-डी.एल.-अ.-09052020-219318
xxxGIDHxxx
CG-DL-E-09052020-219318
xxxGIDExxx
असाधारण
EXTRAORDINARY
भाग II—खण्ड 3—उप-खण्ड (i)
PART II—Section 3—Sub-section (i)
प्राजधकार से प्रकाजित
PUBLISHED BY AUTHORITY
सं. 216] नई दिल्ली, िजनिार, मई 9, 2020/िैिाख 19, 1942

No. 216] NEW DELHI, SATURDAY, MAY 9, 2020/VAISAKHA 19, 1942
जित्त मंत्रालय
(आर्थिक कायि जिभाग)
अजधसूचना
नई दिल्ली, 5 मई, 2020
सा.का.जन. 283(अ).—के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम 1873 (1873 का 5) की धारा 3क द्वारा
प्रित्त िजियों का प्रयोग करते हुए, दकसान जिकास पत्र योिना, 2019 का संिोधन करने के जलए जनम्नजलजखत योिना
बनाती है, अथाित:् -
1. (1) इस योिना का संजिप्त नाम दकसान जिकास पत्र (संिोधन) योिना, 2020 है।
(2) यह 1 अप्रैल, 2020 को प्रिृत्त होगी।
2. दकसान जिकास पत्र योिना, 2019 (जिसे इसमें इसके पश्चात उि योिना कहा गया है) के पैरा 5 के उप-पैरा (1) में,
जनम्नजलजखत उप-अनुच्छे ि रखा िा सकता है, अथाित:् -
(1) 12 दिसम्बर, 2019 से 31 माचि 2020 (िोनों दिन िाजमल करके ) के बीच खोले िाने िाले दकसी खाते की
पररपक्वता अिजध नौ िर्ि पांच महीने की होगी। खाते में दकया गया िमा पररपक्वता पर िुगुना होगा। फामि 2 में दिया
गया आिेिन लेखा अजधकारी को प्रस्ट्तुत करने पर खाता धारक को पररपक्वता राजि का पुनभुिगतान दकया िा सकता है।
1975 GI/2020 (1)

2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(i)]
(1क) 01 अप्रैल, 2020 को अथिा उसके पश्चात खोले गए खाते की पररपक्वता अिजध िस िर्ि चार महीने की होगी।
खाते में दकया गया िमा पररपक्वता पर िुगन
ु ा होगा।
3. उि योिना के पैरा 6,उप-पैरा (3) मेेः-
(क) िब्ि, कोष्ठक तथा आंकडे (1000 रु. से अजधसूचना जतजथ के पश्चात खोले गए खाते की पररपक्वता-पूिि बंि करने के
मूल्य को ििािने िाली सारणी) का लोप दकया िाएगा;
(ख) इस सारणी के स्ट्थान पर जनम्नजलजखत सारजणयां रखी िाएंगी, अथाित्:-
“सारणी-1
[12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिन िाजमल करके ) के बीच 1000 रु. से खोले गए खाते की पररपक्वता-पूिि
बंि करने के मूल्य ििािने िाली सारणी]
प्रमाण पत्र की तारीख से नकिीकरण की जतजथ तक की अिजध ब्याि सजहत भुगतान की िाने िाली राजि (रु.)
(1) (2)
ढाई िर्ि परं तु तीन िर्ि से कम 1173
तीसरा िर्ि परं तु साढे तीन िर्ि से कम 1211
साढे तीन िर्ि परं तु चार िर्ि से कम 1251
चार िर्ि परं तु साढे चार िर्ि से कम 1291
साढे चार िर्ि परं तु पांच िर्ि से कम 1333
पांच िर्ि परं तु साढे पांच िर्ि से कम 1377
साढे पांच िर्ि परं तु छेः िर्ि से कम 1421
छेः िर्ि परं तु साढे छेः िर्ि से कम 1467
साढे छेः िर्ि परं तु सात िर्ि से कम 1515
सात िर्ि परं तु साढे सात िर्ि से कम 1564
साढे सात िर्ि परं तु आठ िर्ि से कम 1615
आठ िर्ि परं तु साढे आठ िर्ि से कम 1667
साढे आठ िर्ि परं तु नौ िर्ि से कम 1722
नौ िर्ि परं तु प्रमाण पत्र की पररपक्वता से पहले 1778
प्रमाण पत्र की पररपक्वता पर 2000

[भाग II—खण्ड 3(i)] भारत का रािपत्र : असाधारण 3
सारणी-2
[01 अप्रैल, 2020 को अथिा उसके पश्चात 1000 रु. से खोले गए खाते की पररपक्वता-पूिि बंि करने के मूल्य ििािने िाली
सारणी]
खाते की तारीख से इसकी पूि-ि पररपक्वता ब्याि सजहत भुगतान की िाने िाली राजि (रु.)
(1) (2)
ढाई िर्ि परं तु तीन िर्ि से कम 1154
तीसरा िर्ि परं तु साढे तीन िर्ि से कम 1188
साढे तीन िर्ि परं तु चार िर्ि से कम 1222
चार िर्ि परं तु साढे चार िर्ि से कम 1258
साढे चार िर्ि परं तु पांच िर्ि से कम 1294
पांच िर्ि परं तु साढे पांच िर्ि से कम 1332
साढे पांच िर्ि परं तु छेः िर्ि से कम 1371
छेः िर्ि परं तु साढे छेः िर्ि से कम 1411
साढे छेः िर्ि परं तु सात िर्ि से कम 1452
सात िर्ि परं तु साढे सात िर्ि से कम 1494
साढे सात िर्ि परं तु आठ िर्ि से कम 1537
आठ िर्ि परं तु साढे आठ िर्ि से कम 1582
साढे आठ िर्ि परं तु नौ िर्ि से कम 1628
नौ िर्ि परं तुसाढे नौ िर्ि से कम 1675
साढे नौ िर्ि परं तु िस िर्ि से कम 1724
िस िर्ि परं तु प्रमाण-पत्र की पररपक्वता से पहले 1774
प्रमाण-पत्र की पररपक्वता पर 2000”
[फा.सं. 1/4/2019-एनएस]
रित कु मार जमश्र, संयुि सजचि
रिप्पणेः मूल योिना भारत के रािपत्र, असाधारण, भाग-II, खण्ड 3, उप-खण्ड (i) में अजधसूचना सं. सा.का.जन. 920(अ)
तारीख 12 दिसम्बर, 2019 के द्वारा प्रकाजित की गई थी।
MINISTRY OF FINANCE
(Department of Economic Affairs)
NOTIFICATION
New Delhi, the 5th May, 2020
G.S.R. 283(E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act,
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the Kisan Vikas Patra Scheme,
2019, namely:-
1. (1) This Scheme may be called the Kisan Vikas Patra (Amendment) Scheme, 2020.
(2) They shall be deemed to have come into force on the 1 st day of April, 2020.
2. In the Kisan Vikas Patra Scheme, 2019 (hereinafter referred to as the said Scheme), in paragraph 5, for sub-
paragraph (1), the following sub-paragraph shall be substituted, namely:-
“(1) The maturity period of an account opened between 12 th December, 2019 to 31st March, 2020
(both days inclusive) shall be nine years and five months. Deposit made in the account shall double on
maturity. Amount of maturity may be repaid to the account holder on an application in Form 2
submitted to the Accounts office.
(1A) Maturity period of an account opened on or after the 1 st day of April, 2020 shall be ten years and
four months. Deposit made in the account shall double on maturity.”
3. In the said Scheme, in paragraph 6, in sub-paragraph (3),-
(a) the words, brackets and figures “(Table showing premature closure value of account opened on or
after date of notification with 1000 rupees)” shall be omitted;
(b) for the TABLE, the following TABLES shall be substituted, namely:-
“TABLE-1
[Table showing premature closure value of account opened between 12th December 2019 to 31st March 2020 (both
days inclusive) with 1000 rupees]
Period from the date of the certificate to the date of its encashment Amount payable
inclusive of interest
(Rupees)
(1) (2)
Two and half years but less than three years 1173
Three years but less than three and half years 1211
Three and half years but less than four years 1251
Four years but less than four and half years 1291
Four and half years but less than five years 1333
Five years but less than five and half years 1377
Five and half years but less than six years 1421
Six years but less than six and half years 1467
Six and half years but less than seven years 1515
Seven years but less than seven and half years 1564
Seven and half years but less than eight years 1615
Eight years but less than eight and half years 1667
Eight and half years but less than nine years 1722
Nine years but before Maturity of Certificate 1778
On maturity of certificate 2000
TABLE-2
[Table showing premature closure value of account opened on or after the 1 st day of April, 2020 with 1000
rupees]
Period from the date of the account to the date of its pre-mature closure Amount payable
inclusive of interest
(Rupees)
(1) (2)
Two and half years but less than three years 1154
Three years but less than three and half years 1188
Three and half years but less than four years 1222
Four years but less than four and half years 1258
Four and half years but less than five years 1294
Five years but less than five and half years 1332
Five and half years but less than six years 1371
Six years but less than six and half years 1411
Six and half years but less than seven years 1452
Seven years but less than seven and half years 1494
Seven and half years but less than eight years 1537
Eight years but less than eight and half years 1582
Eight and half years but less than nine years 1628
Nine years but less than nine and half years 1675
Nine and half years but less than ten years 1724
Ten years but before Maturity of Certificate 1774
On maturity of certificate 2000”.
[F. No. 1/4/2019-NS]

RAJAT KUMAR MISHRA, Jt. Secy.
Note: The principal Scheme was published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section (i) vide
notification number G.S.R. 920(E), dated the 12th December, 2019.
सा.का.जन. 284(अ).—के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम, 1873 (1873 का 5) की धारा 3क
द्वारा प्रित्त िजियों का प्रयोग करते हुए, राष्ट्रीय बचत प्रमाणपत्र (VIII जनगिम) योिना, 2019 का संिोधन करने के जलए
जनम्नजलजखत योिना बनाती है, अथाित:् -
1. 1. इस योिना का संजिप्त नाम राष्ट्रीय बचत प्रमाणपत्र (VIII जनगिम) (संिोधन) योिना, 2020 है।
2. यह 1 अप्रैल, 2020 को प्रिृत्त होगी।
2. राष्ट्रीय बचत प्रमाणपत्र (VIII जनगिम) योिना, 2019 के पैरा 5 में-
(क) उप-पैरा (2) के स्ट्थान पर, जनम्नजलजखत उप-पैराओं को रखा िाएगा, अथाित:् -
“(2) 12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिन िाजमल करके ) के बीच एक हिार रुपये से खोले गए खाते का
पररपक्वता मूल्य एक हिार चार सौ बासठ रुपये और चौिन पैसा होगा और पैरा 4 के उप-पैरा (1) के अनुसार अन्द्य
दकसी राजि से की गई िमाओं के समानुपात होगा। पररपक्वता राजि के पररकलन हेत,ु रुपये के दकसी भी अंि को
जनकितम रूपये में पूणाांदकत दकया िाएगा और इस प्रयोिनाथि पचास पैसे अथिा इससे अजधक दकसी भी राजि को एक
रुपया माना िाएगा तथा पचास पैसे से कम कोई भी राजि को निर अंिाि दकया िाएगा।
(2क) 01 अप्रैल, 2020 को अथिा उसके पश्चात, एक हिार रुपये से खोले गए खाते का पररपक्वता मूल्य एक हिार
तीन सौ निासी रुपये और उन्द्चास पैसा होगा और पैरा 4 के उप-पैरा (1) के अनुसार अन्द्य दकसी राजि से की गई
िमाओं के समानुपात होगा। पररपक्वता राजि के पररकलन हेत,ु रुपये के दकसी भी अंि को जनकितम रुपये में पूणाांदकत
दकया िाएगा और इस प्रयोिनाथि पचास पैसे अथिा इससे अजधक दकसी भी राजि को एक रुपया माना िाएगा तथा
पचास पैसे से कम कोई भी राजि को निरअंिाि दकया िाएगा।”
(ख) उप-पैरा (3) में, “सारणी” के स्ट्थान पर, जनम्नजलजखत सारजणयों को रखा िाएगा, अथाित:् -
[12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिनों को िाजमल करके ) के बीच खरीिे गए प्रमाणपत्रों के जलए]
िर्ि जिसमें एकजत्रत ब्याि 1000 मूल्यिगि के प्रमाणपत्र पर एकजत्रत ब्याि राजि
(रुपये)
पहला िर्ि 79.00
िूसरा िर्ि 85.24
तीसरा िर्ि 91.98
चौथा िर्ि 99.24
पांचिां िर्ि 107.08
सारणी-2
[01 अप्रैल, 2020 को अथिा उसके पश्चात, खरीिे गए प्रमाणपत्रों के जलए]
िर्ि जिसमें एकजत्रत ब्याि 1000 मूल्यिगि के प्रमाणपत्र पर एकजत्रत ब्याि राजि
(रुपये)
पहला िर्ि 68.00
िूसरा िर्ि 72.62
तीसरा िर्ि 77.56
चौथा िर्ि 82.84
पांचिां िर्ि 88.47
रिप्पणेः अन्द्य दकसी मूल्यिगि के प्रमाण-पत्र पर एकजत्रत ब्याि की राजि उपयुिि सारजणयों में समानुपात होगी।
3. उि योिना के पैरा 7 में, उप-पैरा (4) में सारणी के स्ट्थान पर जनम्नजलजखत सारजणयां रखी िाएंगी, अथाित्:-
[12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिनों को िाजमल करके ) 1000 रुपये से खोले गए खाते को पररपक्वता-पूिि
बंि करने के मूल्य को ििािने िाली सारणी]
खाते की तारीख से इसके पररपक्वता पूिि बंि होने की ब्याि सजहत िेय राजि (रुपये)
तारीख की अिजध
1 2
तीन िर्ि या उससे अजधक, परं तु तीन िर्ि और छह माह 1221.61

से कम
तीन िर्ि और छह माह या उससे अजधक, परं तु चार िर्ि 1263.05
से कम
चार िर्ि अथिा उससे अजधक, परं तु चार िर्ि और छह 1305.90
माह से कम
चार िर्ि और छह माह या उससे अजधक, परं तु पांच िर्ि 1350.20
से कम
सारणी-2
[01 अप्रैल, 2020 को अथिा उसके पश्चात 1000 रुपये से खोले गए खाते को पररपक्वता पूिि बंि करने के मूल्य को ििािने
िाली सारणी]
खाते की तारीख से इसके पररपक्वता पूिि बंि होने की तारीख की ब्याि सजहत िेय राजि (रुपये)
अिजध
1 2
तीन िर्ि या उससे अजधक, परं तु तीन िर्ि और छह माह से कम 1184.29

तीन िर्ि और छह माह या उससे अजधक, परं तु चार िर्ि से कम 1218.15
चार िर्ि अथिा उससे अजधक, परं तु चार िर्ि और छह माह से कम 1252.98
चार िर्ि और छह माह या उससे अजधक, परं तु पांच िर्ि से कम 1288.80”
[फा.सं. 1/4/2019-एनएस]
रिप्पणेः मूल योिना भारत के रािपत्र, असाधारण, भाग- II,खण्ड-3,उप-खण्ड (i),सा.का.जन. 919(अ) तारीख 12 दिसम्बर,
2019 की अजधसूचना द्वारा प्रकाजित की गई थी।
NOTIFICATION
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the National Savings
Certificates (VIII Issue) Scheme, 2019, namely:-
1. (1) This Scheme may be called the National Savings Certificates (VIII Issue) (Amendment) Scheme,
2020.
(2) They shall be deemed to have come into force on the 1 st day of April, 2020.
2. In the National Savings Certificates (VIII Issue) Scheme, 2019, in paragraph 5,-
(a) for sub-paragraph (2), the following sub-paragraphs shall be substituted, namely:-
“(2) The maturity value of an account opened between 12 th December, 2019 to 31st March, 2020 (both days
inclusive) with one thousand rupees shall be one thousand four hundred sixty two rupees and fifty four paisa
and proportionate for deposits made with any other sum as per sub-paragraph (1) of paragraph 4.In calculation
of maturity value, any amount in fraction of a rupee shall be rounded off to the nearest rupee and for this
purpose, any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa
shall be ignored."
(2A)The maturity value of an account opened on or after the 1st day of April, 2020with one thousand rupees
shall be one thousand three hundred eighty nine rupees and forty nine paisa and proportionate for deposits
made with any other sum as per sub-paragraph (1) of paragraph 4. In calculation of maturity value, any amount
in fraction of a rupee shall be rounded off to the nearest rupee and for this purpose, any amount of fifty paisa or
more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.”;
(b) in sub-paragraph (3), for the “TABLE”, the following TABLES shall be substituted, namely:-
“TABLE-1
[For the certificates purchased between 12 December, 2019 to 31st March, 2020 (both days inclusive)]
th
The year for which interest accrues Amount of interest (rupees) accruing on
certificate of Rs.1000 denomination
First Year 79.00
Second Year 85.24
Third Year 91.98
Fourth Year 99.24
Fifth Year 107.08
TABLE-2
[For the certificates purchased on or after the1st day of April, 2020]
The year for which interest accrues Amount of interest (rupees) accruing on
certificate of Rs.1000 denomination
First Year 68.00
Second Year 72.62
Third Year 77.56
Fourth Year 82.84
Fifth Year 88.47
Note: The amount of interest accruing on a certificate of any other denomination shall be proportionate to the
amount specified in the Tables above.”
3. In paragraph 7 of the said Scheme, in sub-paragraph(4), for the TABLE, the following TABLES shall
be substituted, namely:-
“TABLE-1
[Table showing premature closure value of account opened between 12th December, 2019 to 31st March,
2020 (both days inclusive) with 1000 rupees]
Period from the date of the account to the date of its pre-mature closure Amount payable inclusive of
interest (Rupees)
(1) (2)
Three years or more, but less than three years and six months 1221.61
Three years and six months or more, but less than four years 1263.05
Four years or more, but less than four years and six months 1305.90
Four years and six months or more, but less than five years 1350.20
TABLE-2
[Table showing premature closure value of account opened on or after the 1 st day of April, 2020 with
1000 rupees]
Period from the date of the account to the date of its pre-mature closure Amount payable inclusive of
interest (Rupees)
(1) (2)
Three years or more, but less than three years and six months 1184.29
Three years and six months or more, but less than four years 1218.15
Four years or more, but less than four years and six months 1252.98
Four years and six months or more, but less than five years 1288.80”.
[F. No. 1/4/2019-NS]

Note: The Principal Scheme was published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section (i) vide
notification number G.S.R. 919(E), dated the 12 th December, 2019.
सा.का.जन. 285(अ).—के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम, 1873 (1873 का 5) की धारा 3क
द्वारा प्रित्त िजियों का प्रयोग करते हुए, राष्ट्रीय बचत आिती िमा योिना, 2019 का संिोधन करने के जलए जनम्नजलजखत
योिना बनाती है, अथाित्:-
1. 1. इस योिना का संजिप्त नाम राष्ट्रीय बचत आिती िमा (संिोधन) योिना, 2020 है।
2. यह 1 अप्रैल, 2020 को प्रिृत्त होगी।
2. राष्ट्रीय बचत आिती िमा योिना, 2019 (जिसे इसमें इसके पश्चात उि योिना कहा गया है) के पैरा 9 में उप-पैरा (1),
सारणी के जलए जनम्नजलजखत सारजणयां रखी िाएंगी, अथाित्:-
“सारणी-1.1
िह अिजध जिसके िौरान खाता खोला गया 100 रुपये के मूल्य-िगि की राजि (रुपये) का खाते में
पुनभुग
ि तान
12.12.2019 से 31.03.2020 तक 7231.38
1 अप्रैल, 2020 पर या उसके पश्चात 6969.67
अन्द्य दकसी मूल्यिगि के खातों पर ब्याि सजहत प्रजतिेय राजि उपयुिि सारणी में जिजनर्ििष्ट राजि के समानुपात
होगी।”
(3)उि योिना के पैरा 10 में, उप-पैरा (2), में खंड (क) में-
(i) सारणी 1 में, िीर्िक के स्ट्थान पर, जनम्नजलजखत िीर्िक को रखा िाएगा, अथाित्:-
“[12 दिसम्बर, 2019 से 31 माचि 2020 (िोनों दिन िाजमल करके ) के िौरान खोले गए और पैरा 10 के अधीन उप-पैरा
(1) के पररपक्वता अिजध अथिा बढाई गई पररपक्वता अिजध के बाि भी माजसक जनिेप के साथ िारी खातों पर प्रजतिेय
ब्याि सजहत राजि का भुगतान होगा]”
(ii)“सारणी-1” के पश्चात, जनम्नजलजखत सारणी को अंतेःस्ट्थाजपत दकया िाएगा, अथाित्:-
“[1 अप्रैल, 2020 को या उसके पश्चात खोले गए और पैरा 10 के उप-पैरा (1) के अधीन पररपक्वता अिजध अथिा बढाई गई
पररपक्वता अिजध के बाि भी माजसक जनिेपों के साथ िारी खातों पर प्रजतिेय ब्याि सजहत राजि का भुगतान होगा]”
पूणि िर्ों की संख्या जिनमें खाता िारी रहा 100 रु. के मूल्य िगि के राजि (रुपये) के खाते में पुनभुग
ि तान
एक िर्ि 8620.98
िो िर्ि 10370.17
तीन िर्ि 12223.03
चार िर्ि 14185.73
पांच िर्ि 16264.76
अन्द्य दकसी मूल्यिगि के खातों पर ब्याि सजहत प्रजतिेय राजि उपयुिि सारणी में जिजनर्ििष्ट राजि के समानुपात होगी।”
4. उि योिना में, पैरा-11 के , उप-पैरा (2) में-

(क) “सारणी 2” में, िीर्िक के स्ट्थान पर, जनम्नजलजखत िीर्िक को रखा िाएगा, अथाित्:-
“[12 दिसम्बर, 2019 से 31 माचि 2020 (िोनों दिन िाजमल करके ) के िौरान खोले गए और पैरा 11 के उप-पैरा (1) के
तहत पररपक्वता अिजध अथिा बढाई गई पररपक्वता अिजध के बाि भी जबना दकसी नए माजसक जनिेपों के साथ िारी
खातों पर प्रजतिेय ब्याि सजहत राजि का भुगतान होगा]”
(ख) “सारणी-2” के पश्चात, जनम्नजलजखत सारणी को अंतेः स्ट्थाजपत िाएगा,अथाित:् --
“[1 अप्रैल, 2020 को या उसके पश्चात खोले गए और पैरा 11 के उप-पैरा (1) के अधीन पररपक्वता अिजध अथिा बढाई गई
पररपक्वता अिजध के बाि भी जबना दकसी नए माजसक जनिेपों के साथ िारी खातों पर प्रजतिेय ब्याि सजहत राजि का भुगतान
होगा]”
पूणि िर्ों की संख्या जिनमें खाता िारी रहा 100 रु. मूल्य िगि राजि (रुपये) के रूप में खाते पर
अिायगी
एक िर्ि 7382.79
िो िर्ि 7820.40
तीन िर्ि 8283.94
चार िर्ि 8774.96
पांच िर्ि 9295.09
अन्द्य दकसी मूल्यिगि के खातों पर ब्याि सजहत प्रजतिेय राजि उपयुिि सारणी में जिजनर्ििष्ट राजि के समानुपात
होगी।”
5. उि योिना में, पैरा-12 के , उप-पैरा (1) में-
(क) ''सारणी-2'', में िीर्िक के स्ट्थान पर, जनम्नजलजखत िीर्िक को रखा िाएगा, अथाित्:-
“[12 दिसम्बर, 2019 से 31 माचि 2020 (िोनों दिन िाजमल करके ) के िौरान खोले गए खातों पर और खाता बंि दकए िाने
तक इस योिना के अधीन पांच िर्ों में जनिेपक की मृत्यु होने पर जिजधक िाररस अथिा नाजमजत को प्रजतिेय राजि]”
(ख) ''सारणी-2'', के पश्चात् जनम्नजलजखत सारणी को अंतेः स्ट्थाजपत दकया िाएगा, अथाित्:-
[01 अप्रैल, 2020 को अथिा उसके पश्चात् खोले गए खातों पर और खाता बंि दकए िाने तक इस योिना के अधीन पांच
िर्ों में जनिेपक की मृत्यु होने पर जिजधक िाररस अथिा नाजमजत को प्रजतिेय राजि]”
दकए गए जनिेपों की संख्या 100 रुपए के अजभधान के दकए गए जनिेपों की संख्या 100 रुपए के अजभधान के
जलए राजि(रु.) जलए राजि(रु.)
1 से 11 दकया गया जनिेप 36 3939.09
12 1238.19 37 4058.52
13 1344.63 38 4178.53
14 1451.57 39 4299.11
15 1559.04 40 4420.27
16 1667.02 41 4542.01
17 1775.52 42 4664.34
18 1884.54 43 4787.26
19 1994.09 44 4910.76
20 2104.16 45 5034.87
21 2214.76 46 5159.57
22 2325.90 47 5284.87
23 2437.56 48 5410.77
24 2549.77 49 5537.27
25 2662.52 50 5664.39
26 2775.80 51 5792.12
27 2889.64 52 5920.46
28 3004.02 53 6049.42
29 3118.95 54 6179.00
30 3234.43 55 6309.20
31 3350.47 56 6440.03
32 3467.07 57 6571.49
33 3584.23 58 6703.58
34 3701.95 59 6836.31
35 3820.24 60 6969.67
अन्द्य दकसी मूल्यिगि के खातों पर ब्याि सजहत प्रजतिेय राजि उपयुिि सारणी में जिजनर्ििष्ट राजि के समानुपात होगी।”
[फा. सं. 1/04/2019-एनएस]

रिप्पण: मूल योिना भारत के रािपत्र, असाधारण, भाग II, खंड 3, उप-खंड (i) में अजधसूचना संख्या सा.का.जन. 918 (अ),
तारीख 12 दिसम्बर, 2019 के अधीन प्रकाजित की गई थी।
NOTIFICATION
G.S.R. 285(E).—In exercise of the powers conferred by section 3Aof the Government Savings Promotion Act,
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the National Savings
Recurring Deposit Scheme, 2019, namely:-
1. (1) This Scheme may be called the National Savings Recurring Deposit (Amendment) Scheme, 2020.
(2) They shall be deemed to have come into force on the 1st day of April, 2020.
2. In the National Savings Recurring Deposit Scheme, 2019(hereinafter referred to as the said Scheme), in
paragraph 9, sub-paragraph (1), for the TABLE, the following TABLE shall be substituted, namely:-
“TABLE 1.1
Period during which account is opened Amount (Rupees) repayable on an account of
100 rupees denomination
From 12.12.2019 to 31.03.2020 7231.38
On or after 01.04.2020 6969.67
Amount repayable inclusive of interest on an account of any other denomination shall be proportionate
to the amount specified in the table”.
3. In the said Scheme, in paragraph 10, in sub-paragraph (2), in clause (a),-

(i) inTABLE-1, for the heading, the following heading shall be substituted, namely:-
“[Amount inclusive of interest repayable on the accounts opened between 12th December, 2019 to
31st March, 2020 (both days inclusive) and continued with monthly deposits beyond the maturity
period or maturity period as extended under sub-paragraph (1) of paragraph 10]”;
(ii) after the “TABLE-1”, the following TABLE shall be inserted, namely:-
“TABLE-1.1
[Amount inclusive of interest repayable on the accounts opened on or after the 1 st day of April,
2020 and continued with monthly deposits beyond the maturity period or maturity period as
extended under sub-paragraph (1) of paragraph 10]
Number of completed years for which the Amount (Rupees) repayable on an account of
account continued 100 rupees denomination
One year 8620.98
Two years 10370.17
Three years 12223.03
Four years 14185.73
Five years 16264.76

(a) in “TABLE-2”, for the heading, the following heading shall be substituted, namely:-
“[Amount inclusive of interest repayable on an account opened between 12th December, 2019 to
31st March, 2020 (both days inclusive) and continued without any fresh monthly deposit beyond
the maturity period or maturity period as extended under sub-paragraph (1) of paragraph 11]”;
(b) after the “TABLE-2”, the following TABLE shall be inserted, namely:-
“TABLE-2.1
[Amount inclusive of interest repayable on the accounts opened on or after the 1 st day of April,
2020 and continued without any fresh monthly deposits beyond the maturity period or maturity
period as extended under sub-paragraph (1) of paragraph 11]
Number of completed years for which the Amount (Rupees) repayable on an account of
account continued 100 rupees denomination
One year 7382.79
Two years 7820.40
Three years 8283.94
Four years 8774.96
Five years 9295.09

(a) in “TABLE-2”, for the heading, the following heading shall be substituted, namely:-
“[Amount payable to legal heir or nominees on the death of the depositor in five years under this
Scheme on the accounts opened between 12th December, 2019 to 31st March, 2020 (both days
inclusive)and up to closure of the account]”;
(b) after the “TABLE-2”, the following TABLE shall be inserted, namely:-
“TABLE-2.1
[Amount payable to legal heir or nominees on the death of the depositor in five years under this Scheme on the
accounts opened on or after the 1st day of April, 2020 and up to closure of the account]
Number of deposits made Amount (Rupee) for No. of deposits made Amount (Rupees) for
denomination of 100 denomination of 100
rupees rupees
1 to 11 Deposits made 36 3939.09
12 1238.19 37 4058.52
13 1344.63 38 4178.53
14 1451.57 39 4299.11
15 1559.04 40 4420.27
16 1667.02 41 4542.01
17 1775.52 42 4664.34
18 1884.54 43 4787.26
19 1994.09 44 4910.76
20 2104.16 45 5034.87
21 2214.76 46 5159.57
22 2325.90 47 5284.87
23 2437.56 48 5410.77
24 2549.77 49 5537.27
25 2662.52 50 5664.39
26 2775.80 51 5792.12
27 2889.64 52 5920.46
28 3004.02 53 6049.42
29 3118.95 54 6179.00
30 3234.43 55 6309.20
31 3350.47 56 6440.03
32 3467.07 57 6571.49
33 3584.23 58 6703.58
34 3701.95 59 6836.31
35 3820.24 60 6969.67
Amount repayable inclusive of interest on an account of any other denomination shall be proportionate to the
amount specified in the table”.
[F. No. 1/04/2019-NS]
Note: The principal Scheme was published in the Gazette of India, Extraordinary, Part II, section 3, sub-section (i) vide
notification number G. S. R. 918(E), dated the 12th December, 2019.
सा.का.जन. 286 (अ).—के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम, 1873 (1873 का 5) की खंड 3क द्वारा
प्रित्त िजियों का प्रयोग करते हुए राष्ट्रीय बचत (माजसक आय खाता) योिना, 2019 का संिोधन करने के जलए जनम्नजलजखत
1.(1) इस स्ट्कीम का संजिप्त नाम राष्ट्रीय बचत (माजसक आय खाता) (संिोधन) योिना, 2020 है।
2. राष्ट्रीय बचत (माजसक आय खाता) योिना, 2019 के पैरा 5 में उप-पैरा (1) के अधीन जनम्नजलजखत उप-पैरा रखा िाएगा,
अथाित:् -
“(1) तारीख 12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिन िाजमल करके ) के बीच इस योिना के अधीन जनिेप राजि
पर िार्र्िक रूप से 7.6 प्रजतित के िर से ब्याि दिया िाएगा।
(1क) तारीख 01 अप्रैल, 2020 को अथिा उसके पश्चात् इस योिना के अधीन जनिेप राजि पर िार्र्िक रूप से 6.6 प्रजतित
की िर से ब्याि दिया िाएगा।”
[फा. सं. 1/04/2019-एनएस]
रिप्पण: मूल योिना भारत के रािपत्र, असाधारण, भाग II, खंड 3, उप-खंड (i) अजधसूचना संख्या सा.का.जन. 917 (अ),
तारीख 12 दिसम्बर, 2019 के द्वारा प्रकाजित की गई थी।
NOTIFICATION
G.S.R. 286(E).—In exercise of the powers conferred by section 3Aof the Government Savings Promotion Act,
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the National Savings (Monthly
Income Account) Scheme, 2019, namely:-
1. (1) This Scheme may be called the National Savings (Monthly Income Account) (Amendment) Scheme,
2020.
2. In the National Savings (Monthly Income Account) Scheme, 2019, in paragraph 5, for sub-paragraph (1), the
following sub-paragraphs shall be substituted, namely:-
“(1) The deposit made under this Scheme between 12th December, 2019 to 31st March, 2020 (both days
inclusive) shall bear interest at the rate of 7.6 per cent. per annum.
(1A) The deposit made under this Scheme on or after the 1st day of April, 2020 shall bear interest at the
rate of 6.6 per cent. per annum.”
[F. No. 1/04/2019-NS]
सा.का.जन.287(अ).—के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम, 1873 (1873 का 5) की खंड 3क द्वारा
प्रित्त िजियों का प्रयोग करते हुए िररष्ठ नागररक बचत योिना, 2019 का संिोधन करने हेतु जनम्नजलजखत योिना बनाती
है, अथाित:् -
1 (1) इस योिना का संजिप्त नाम िररष्ठ नागररक बचत (संिोधन) योिना 2020 है।
2 िररष्ठ नागररक बचत योिना 2019 के पैरा 5 में, उप-पैरा (1) हेतु जनम्नजलजखत उप-पैराओं के स्ट्थान पर जनम्नजलजखत रखे
िाएंगे, अथाित:् -
“(1) तारीख 12 दिसम्बर, 2019 से 31 माचि, 2020 (िोनों दिन िाजमल करके ) के बीच प्राप्त िमा पर िार्र्िक रूप से 8.6
प्रजतित की िर से ब्याि लगेगा।
(1क) इस योिना के अधीन 01 अप्रैल, 2020 को या उसके पश्चात प्राप्त िमा पर िार्र्िक रूप से 7.4 प्रजतित की िर से ब्याि
लगेगा।
[फा. सं. 1/04/2019-एनएस]
रिप्पणी: मूल योिना भारत के रािपत्र, असाधारण, भाग II, खंड 3, उप खंड (i) तारीख 12 दिसम्बर, 2019 की अजधसूचना
संख्या सा.का.जन. 916 (अ) के द्वारा प्रकाजित हुई थी।
NOTIFICATION
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the Senior Citizens’ Savings
Scheme, 2019, namely:-
1. (1) This Scheme may be called the Senior Citizens’ Savings (Amendment) Scheme, 2020.
2. In the Senior Citizens’ Savings Scheme, 2019, in paragraph 5, for sub-paragraph (1), the following
sub-paragraphs shall be substituted, namely:-
“(1) The deposit made under this Scheme between 12th December, 2019 to 31st March, 2020 (both days
inclusive) shall bear interest at the rate of 8.6 per cent per annum.
(1A) The deposit made under this Scheme on or after the 1st day of April, 2020 shall bear interest at the rate
of 7.4 per cent. per annum.”
[F. No. 1/04/2019-NS]
सा.का.जन. 288 (अ).—के न्द्रीय सरकार,सरकारी बचत संिधिन अजधजनयम, 1873 (1873 का 5) की खंड 3क द्वारा
प्रित्त िजियों का प्रयोग करते हुए सुकन्द्या समृजि खाता योिना 2019 का संिोधन करने के जलए जनम्नजलजखत योिना
बनाती है अथाित्:-
1 (1) इस योिना का संजिप्त नाम सुकन्द्या समृजि खाता (संिोधन) योिना, 2020 है।
2 सुकन्द्या समृजि खाता योिना 2019 के पैरा 5 में, उप-पैरा (1) के स्ट्थान पर जनम्नजलजखत उप-पैरा रखा िाएगा, अथाित:् -
“(1) तारीख 12 दिसम्बर, 2019 से 31 माचि, 2020 के बीच (िोनो दिनों िाजमल करके ) खाते में की गई िमा और खाते में
िमा िेर् पर िार्र्िक रूप से 8.4 प्रजतित की िर से ब्याि अर्िित होगा।
(1क) खाते में तारीख 01 अप्रैल, 2020 को या उसके पश्चात िमा राजि और खाते में िमा िेर्ों पर िार्र्िक रूप से 7.6
प्रजतित की िर से ब्याि अर्िित होगा।“
[फा. सं. 1/04/2019-एनएस]
रिप्पणेः मूल योिना भारत के रािपत्र, असाधारण, भाग II, खंड 3, उप खंड (i) तारीख 12 दिसम्बर, 2019 की अजधसूचना
संख्या सा.का.जन. 914(अ) के द्वारा प्रकाजित हुई थी।
NOTIFICATION
G.S.R. 288 (E).—In exercise of the powers conferred by section 3Aof the Government Savings Promotion Act,
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the Sukanya Samriddhi
Account Scheme, 2019, namely:-
1. (1) This Scheme may be called the Sukanya Samriddhi Account (Amendment) Scheme, 2020.
2. In the Sukanya Samriddhi Account Scheme, 2019, in paragraph 5, for sub-paragraph (1), the following sub-
paragraph shall be substituted, namely:-
“(1) The deposits made in the account between 12th December, 2019 to 31st March, 2020 (both days
inclusive) and the balances at the credit of the account shall earn interest at the rate of 8.4 per cent. per
annum.
(1A) The deposits made in the account on or after the 1st day of April, 2020 and the balances at the credit of the
account shall earn interest at the rate of 7.6 per cent. per annum.”
[F. No. 1/04/2019-NS]
Note: -The principal Scheme was published in the Gazette of India, Extraordinary, Part II, section 3, sub-section (i)
vide notification number G. S. R. 914 (E), dated the 12th December, 2019.
सा.का.जन. 289(अ).— के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम 1873 (1873 का 5) की धारा 3क
द्वारा प्रित्त िजियों का प्रयोग करते हुए, राष्ट्रीय बचत सािजध िमा योिना, 2019 का संिोधन करने के जलए जनम्नजलजखत
1. (1) इस योिना का संजिप्त नाम राष्ट्रीय बचत सािजध िमा (संिोधन) योिना, 2020 है।
2. राष्ट्रीय बचत सािजध िमा, 2019 में (इसके पश्चात इसे उि योिना कहा गया है) के पैरा 7 में उप-पैरा(1) में,-
(क) जहन्द्िी संस्ट्करण में, पृष्ठ 159 पर, पंजि 7 में, “7.9” को “7.7” पढा िाए।
(ख) “जनिेपों पर लागू होगा” िब्ि के पश्चात, जनम्नजलजखत को अंत:स्ट्थाजपत दकया िाएगा, अथाित्:-
“12 दिसंबर, 2019 से 31 माचि 2020 के बीच में दकया गया (िोनों दिन िाजमल करके )”;
(ग) सारणी के पश्चात, जनम्नजलजखत उप-पैरा को अंत:स्ट्थाजपत दकया िाएगा, अथाित:् -
“1(क) नीचे सारणी में जिजनर्ििष्ट ब्याि िर इस योिना के अधीन 01अप्रैल, 2020 को अथिा उसके पश्चात की गई िमा
राजि पर लागू होगी।”
क्रम सं. खाते का प्रकार ब्याि िर(प्रजतित/प्रजतिर्ि)
(1) (2)
1. एक िर्ि 5.5
2. िो िर्ि 5.5
3. तीन िर्ि 5.5
4. पााँच िर्ि 6.7
[फा. सं. 1/04/2019-एनएस]
रिप्पणेः मूल योिना भारत के रािपत्र, असाधारण, भाग-II, खण्ड 3, उप खण्ड(i) में अजधसूचना सं. सा.का.जन 922(अ),
तारीख 12 दिसंबर, 2019 को प्रकाजित हुई थी।
NOTIFICATION
G.S.R. 289 (E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act,
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the National Savings Time
Deposit Scheme, 2019, namely:-
1. (1) This Scheme may be called the National Savings Time Deposit (Amendment) Scheme, 2020.
2. In the National Savings Time Deposit Scheme, 2019 (hereinafter referred to as the said Scheme), in
paragraph 7, in sub-paragraph (1),-
(a) In the Hindi version, at page 159, line 7, for “7.9”, read “7.7”.
(b) after the words “shall be applicable to the deposits”, the following shall be inserted, namely:-
“made between 12th December, 2019 to 31st March, 2020 (both days inclusive)”;
(c) after the table, the following sub-paragraph shall be inserted, namely:-
“1(A) The rate of interest as specified in the table below shall be applicable to the deposits made on or
after the 1st day of April, 2020 under the Scheme.”
Sl. No. Category of account Rate of Interest

(per cent. per
annum)
(1) (2)
1. One-year 5.5
2. Two-year 5.5
3. Three-year 5.5
4. Five-year 6.7
[F. No. 1/04/2019-NS]
Note: The principal Scheme was published in the Gazette of India, Extraordinary, Part II, section 3, sub-section (i),
vide notification no. G.S.R. 922(E), dated the 12th December, 2019.
सा.का.जन. 290(अ).— के न्द्रीय सरकार, सरकारी बचत संिधिन अजधजनयम 1873 (1873 का 5) की धारा 3क
द्वारा प्रित्त िजियों का प्रयोग करते हुए लोक भजिष्य जनजध योिना, 2019 को संिोजधत करने के जलए जनम्नजलजखत योिना
बनाती है, अथाित:् -
1. (1) इस योिना का संजिप्त नाम लोक भजिष्य जनजध (संिोजधत) योिना, 2020 है।
2. लोक भजिष्य जनजध, 2019 के पैरा 7 के उप-पैरा (1) के स्ट्थान पर जनम्नजलजखत उप पैरा रखा िाएगा, अथाित:्
“(1) 12 दिसंबर, 2019 और 31 माचि 2020 (िोनों दिन िाजमल करके ) के बीच इस खाते में िमा की गई राजि
एिं खाते की िमा िेर् राजि पर 7.9 प्रजतित की िर से िार्र्िक रूप में ब्याि अर्िित होगा। खाते में महीने के पााँचिे
दिन के अंत में एिं महीने के अंजतम दिन के बीच में िमा जनम्नतम अजधिेर् राजि ब्याि की पात्र होगी।
(1क) 01 अप्रैल, 2020 को या उसके बाि खाते में िमा की गई राजि एिं खाते की िमा िेर् राजि पर िार्र्िक रूप
से 7.1 की िर से ब्याि अर्िित होगा। खाते में महीने के पााँचिे दिन के अंत में एिं महीने के अंजतम दिन के बीच में
िमा जनम्नतम अजधिेर् राजि ब्याि की पात्र होगी।“
[फा.सं. 1/04/2019-एनएस]
रिप्पणेः मूल योिना भारत के रािपत्र, असाधारण, भाग-II, खण्ड 3, उप खण्ड(i) में अजधसूचना सं. सा.का.जन 915(अ),
तारीख 12 दिसंबर, 2019 द्वारा प्रकाजित हुई थी।
NOTIFICATION
1873 (5 of 1873), the Central Government hereby makes the following Scheme to amend the Public Provident Fund
Scheme, 2019, namely:-
1. (1) This Scheme may be called the Public Provident Fund (Amendment) Scheme, 2020.
2. In the Public Provident Fund Scheme, 2019, in paragraph 7, for sub-paragraph (1), the following sub-paragraphs
shall be substituted, namely:-
“(1) The deposits made in the account between 12th December, 2019 to 31st March, 2020 (both days inclusive)
and the balances at the credit of the account shall bear interest at the rate of 7.9 per cent. per annum. Lowest
balance at the credit of an account between the close of the fifth day and the end of the month shall be eligible for
interest.
(1A) The deposits made in the account on or after the 1st day of April, 2020 and the balances at the credit of the
account shall bear interest at the rate of 7.1 per cent. per annum. Lowest balance at the credit of an account
between the close of the fifth day and the end of the month shall be eligible for interest.”
[F. No. 1/04/2019-NS]
Note: The principal Scheme was published in the Gazette of India, Extraordinary, Part II, section 3, sub-section (i),
vide notification no. G.S.R. 915(E), dated the 12th December, 2019.
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054. ALOK KUMAR Digitally signed by ALOK KUMAR
Date: 2020.05.09 19:16:09 +05'30'
F. No 113-03/2017-SB
Govt. of India
Department of Posts
(F.S. Division)
Dated: 11.04.2020
To,
Subject : Relaxation guidelines for PPF/SSA Accounts - reg.
Madam/Sir,
The undersigned is directed to inform that, vide O.M. no. 1/4/6/2020-NS
dated 11.04.2020 the MoF(DEA) has taken decision to relax some regulatory
provisions to safeguard the interest of Small Savings depositors in view of the lockdown
in the country due to COVID-19 pandemic.
2. The following relaxation guidelines in reference to Public Provident

Fund (PPF) and Sukanya Samriddhi Account (SSA) are issued with immediate effect.
a. The Public Provident fund (PPF) Account/ Sukanya Samriddhi Account (SSA) holders
will be eligible to make a single deposit each in account(s) opened in his own name and/
or account(s) opened in the name of minor(s) as the case may be for F.Y. 2019-20 till
30.06.2020 subject to the condition of maximum deposit ceilings prescribed in the
PPF/SSA scheme provisions.
b. While depositing for F.Y. 2019-20, the subscribed will have to give an undertaking to
the Post Office that “The maximum deposit ceiling applicable to PPF Account/ SSA
Scheme (as per the relevant statute) opened by me in my own name and/or in the name
of the minor, as the case may be, will not be breached with this deposit for F.Y. 2019-
20. At any stage, if it is found that the ceiling has been breached, then the excess
deposit will be treated as irregular and shall be returned to me without any interest.”
c. The deposit will earn interest from the date of actual deposit and will be calculated as
per the provisions of the PPF/SSA scheme.
d. If no deposit was made in the PPF/ SSA accounts maintained by the individual in
F.Y. 2019-20, no default fee for F.Y. 2019-20 will be charged if the account is
regularized by making deposit before 30.06.2020. However, default fee shall be charged
for defaults pertaining to Financial Years other than F.Y. 2019-20.
e. For the purpose of deciding the withdrawal/ loan limit in the PPF account, the
outstanding balance on 31.03.2020 would be considered.
f. The subscribers of PPF / SSA may continue to make deposit for F.Y. 2020-21 in the
usual manner. However, the subscriber of the PPF Account/SSA shall deposit the
amount for F.Y. 2019-20 and 2020-21 separately in his account.
g. All those subscribers, whose accounts were matured on 31.03.2020 (including the
period of one year for extension) and could not be extended due to lockdown despite
willingness, may now extend their PPF account by submitting the prescribed form
before 30.06.2020.
h. The subscriber may submit scanned copy of Account Extension form duly signed to
the Post Office through registered email id to respective Post office. However, the
original copy of the same shall be submitted to the concerned account office, once the
lockdown is lifted in the country or concerned area, as the case may be.
3. Accordingly necessary amendments are being made in Finacle. Non-

CBS Post Offices should also take necessary action accordingly.
4. It is requested to circulate it to all concerned for information and

necessary action. The same may also be placed on the notice boards of the Post Offices
in public area.
Yours Faithfully,
( Devendra Sharma )
Copy to:-

2. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member
(P)/ Member (Planning & HRD)/ Member (PLI)/ Member (Tech)
5. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General
(PAF)
Delhi-110002
16. Guard File
17. Spare copies.
F. No 25-08/2012-FS (CBS)
Govt. of India
Department of Posts
(F.S. Division)

Dated: 15.04.2020
To,
Subject : Introduction of common/modified forms to be used in National Savings Schemes for

CBS and non CBS Post Offices -Regarding.
Sir/Madam,
The Ministry of Finance (Department of Economic Affairs) had notified separate forms
for each Small Savings Scheme through revised Schemes Rules 2019 vide Notification Nos.
914(E), 915(E), 916(E), 917(E), 918(E), 919(E), 920 (E), 921(E) and 922(E), dated 12.12.2019.
2. (i) This office has been receiving various references from Field Units and other
stakeholders citing difficulties in use of separate forms for each Savings Scheme as well as
serious issues in printing/procurement and ensuring availability of all these forms in all the Post
Offices (including EDBOs) doing POSB operations. The issue was examined and deliberated in
detail by this office in consultation with NSI and since this is a purely operational issue, the
competent authority has decided to allow use of the following common forms by the all Post
Offices, instead of separate form for each scheme:-
1. Application form for Opening of Account/Purchase of Certificate (AOF)

2. Pay-in Slip (SB-103)
3. Application form for Closure of Account on Maturity. (SB-7A)
4. Application form for Premature Closure of Account. (SB-7B)
5. Application form for Loan/withdrawal from RD/PPF and SSA Accounts (SB-7C)
6. Application form for extension of RD/TD/PPF/SCSS Accounts.
(ii) Additional form (Annexure-I) prescribed for PPF/SCSS vide SB Order 06/2015 dated
09.06.2015 shall be discontinued.
(iii) For normal withdrawal from Post Office Savings/NSS-87 Accounts and withdrawal of
periodical interest from TD/MIS/SCSS accounts, existing withdrawal form (SB-7) shall continue
to be used.
(iv) While using AOF, non-CBS post offices may ignore SOL/CIF ID related fields (as they
would not be there) till the Post Office is migrated to CBS.
(v) While opening of new accounts, a separate form (Annexure II) (prescribed vide SB Order
06.2015 dated 09.06.2015) should also be taken by CBS Post Offices from new
customers/depositor (not having CBS account in Post Offices/not updated their KYC in existing
account(s)).
(vi) In case, any depositor submits any of the notified forms in revised schemes rules 2019, that
form may also be accepted.
3. It is requested to circulate this SB Order alongwith copy of Forms enclosed to all

concerned for information and necessary action. The same may also be placed on the notice
boards of the Post Offices in public area.
Yours Faithfully,
(Devendra Sharma)
Enclosed:-
1. Application form for Opening of Account/Purchase of Certificate (AOF)

2. Pay-in Slip (SB-103)
3. Application form for Closure of Account on Maturity. (SB-7A)
4. Application form for Premature Closure of Account. (SB-7B)
5. Application form for Loan/withdrawal from RD/PPF and SSA Accounts (SB-7C)
6. Application form for extension of RD/TD/PPF/SCSS Accounts.
Copy to:-

2. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (P)/
Member (Planning & HRD)/ Member (PLI)/ Member (Tech).
3. Addl. Director General, APS, New Delhi
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General (PAF)
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-
110002
17. Guard File
18. Spare copies.
POST OFFICE SAVINGS BANK (AOF)
APPLICATION FORM FOR OPENING OF ACCOUNT/PURCHASE OF CERTIFICATE
FOR USE OF POST OFFICE
Post Office Tran-ID SOL ID Date of Maturity
Account Number CIF-ID (1)
CIF-ID (2) CIF-ID (3)
Instructions: i. Please tick (√) the appropriate box, ii) Use CAPITAL LETTERS only while filling in the application form and iii) Submit the self-attested copies of the
Documents.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
To
The Postmaster
…………………………………………………
Paste photograph Paste photograph Paste photograph
…………………………………………………
of applicant/s of applicant/s of applicant/s
Madam/Sir,
I/We …………………………………………………………………………………..….(Applicant/ guardian) hereby apply for opening of an account under

th
……………………(Savings/RD/ 1,2,3,5 Years TD/MIS/SCSS/PPF/SSA/KVP/NSC VIII Issue) scheme in your Post office in my/our name(s)/in
the name of minor or person of unsound mind.
(i) Cheque Book required (for Post Office Savings Account) Yes No.
(ii) Account Holder Type :- Self Minor through Guardian Person of unsound mind through guardian.
(iii) Account Type:- Single Either or Surviror (Joint B) All or Survivor(s) (Joint A)
1. In case of account opened in the name Minor/ Person of unsound mind.

Name of Minor/ Person of unsound mind Date of Birth(DD/MM /YYYY) Gender Name of Guardian, Relationship and
and in words (M/F/O) status – Natural or Legal
1.
2. Details of proof of age of minor along with its date of

Issue and Issuing Authority
(In case of SSA A/c Birth Certificate is mandatory)
2. I/We tender herewith Rs………………../-(Rs………………………………………………………………………………………………………………(In words) in

cash/DD/Cheque No………………… date……………. as initial deposit. My/Our particulars are as under:-
st nd rd
Particulars 1 Applicant 2 Applicant 3 Applicant
Name of the Applicant/ Guardian
Name of Husband/ Father/ Mother
Gender (M/F/O)
Date of Birth (DD/MM/YYYY)
and In words (mandatory)
Aadhaar Number
PAN Number*
CIF ID (existing A/Cs holders)
Present Address:-
House/Locality/Village & Post
Office/City/District/ State/Pin Code
Permanent Address:
House/Locality/Village &Post Office/ City/
District/ State/Pin Code
Telephone No./Mobile No.*
E-mail ID
ID Proof
(Document No./Date of Issue/ Issuing
Authority)
Address Proof
Authority)
For SCSS Account details of proof of age
(Doc. No., issue Date and Issuing Authority)
(If Aadhaar Card details are not provided, any of the following documents can be accepted as valid documents for the purpose of identification and address proof) :-
1. Passport 2. Driving license 3. Voter’s ID card 4. Job card issued by NREGA signed by the State Government officer 5. Letter issued by the National
Population Register containing details of name and address.
Specimen Signatures
1…………………………….. 1……………………………….. 1………………………………..
2…………………………….. 2……………………………….. 2………………………………..
3…………………………….. 3……………………………….. 3………………………………..
Name:-………………………………Name:-………………………………….Name:-……………………………………………
3. Declarations
General:- (1) I/We hereby undertake to abide by the scheme provisions and Government Savings Promotion Rules, 2018 applicable
on the Scheme and amendments issued thereto from time to time.
(Details available at https://www.indiapost.gov.in/VAS/Pages/RTI/RTI-Manual-5.aspx)
(2) I/We further declare that I/We/Minor/person of unsound mind is/are Resident citizen of India and undertake to inform the
account office of any change in My/our residency/citizenship status in future.
(3) I hereby agree that account will be operated by me till account holder attained age of 18 years and thereafter, account holder will
operate the account. (In case of SSA and Minor Account opened through Guardian).
(4) In case services of SAS/MPKBY Agent are taken: -
Name of Agent …………………………………… Authority No…………………….Date of validity……………………………
(5) Standing Instruction (i.e. MIS to SB, SB to RD etc.) if any……………………………………………………………………………………………………
SSA :- I hereby declare that no other account has been opened under Sukanya Samriddhi Account in the name of the depositor in
any of the Post office/Bank in the country.
PPF :- (1) I hereby declare that no other account has been opened under Public Provident Fund Account in the name of the
myself/minor in any of the Post office/Bank in the country.
(2)I further declare that I will abide by the ceiling of maximum deposit in the accounts opened in my name and in the name of minors
as per provision of the scheme and any deposit in excess of the ceiling will be treated as in contravention to the Scheme provisions.
MIS/SCSS :- I/We hereby declare details of my/Our existing accounts* as on today under “National Savings Monthly Income
Account/ Senior Citizen Savings Scheme” in any of the Post Office/Bank in the country.
Sl.No. Name of Scheme Date of opening Amount Customer Identification Account Name of Post
(MIS or SCSS) of account deposited Number (CIF No.) Number Office/Bank
1
2
*If number of accounts is more, details of all accounts should be filled and attached as annexure duly signed.
Please tick (√) the appropriate box
Date:- Signature or thumb impression of Applicant(s)/Guardian
4. Nomination
I/We…………………………………………..hereby nominate the person(s) mentioned below to whom to the exclusion of all other persons in
the event of my death the amount standing to my credit in ……………………………………..(Name of Scheme) at the time of my death
would be payable.
S.No. Name(s) of the Full Aadhaar number Date of birth of nominee Share of Nature of
nominee(s) and address of nominee in case of minor nominee entitlement entitlement
relationship (s) (optional) Trustee or owner
1
2
3
4
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I/We appoint
Shri/Smt/Kumari……………………………………………………………………S/o,D/o,W/o………………………………………………………………………………..
Address……………………………………………………………………………………………………………………………………………………………………………………to
receive the sum due under the said account in the event of my/Our death during the minority of the nominee(s).
(In case, applicant(s) is/are illiterate)
1. Signature of witness…………………………………………………………………………………………………………………………………………………………………
Name & Address…………………………………………………………………………………………………………………………………………………………………………..
Name & Address…………………………………………………………………………………………………………………………………………………………………………..
Place:
Date: Signature or thumb impression of Applicant(s)/Guardian

I have carefully examined this application and Identification as well as address proof documents submitted. Opening of account is
approved.
Account has been opened in the name of………………………………………………………..with Rs……………………on…………………….. (Date) under
……………..scheme vide A/c No. …………………………………………… dated ……………………………..
Nomination registration details:-
Date Stamp Signature of GDS Branch Post Master Date Stamp Signature of Sub/Asst./Head Post Master
Name Stamp of EDBO Designation stamp
Pay in Slip (SB-103)
POST OFFICE SAVINGS BANK POST OFFICE SAVINGS BANK
(Counterfoil for customer)
Account Type:- SB RD TD MIS SCSS PPF SSA KVP NSC, Others…..
…………………Post Office Date D D M M Y Y Y Y
Account Type :- …….………………………………..……………Post Office Transaction ID:……………………………………………..
SB RD TD MIS SCSS PPF SSA KVP NSC, Others…. Account Number Date D D M M Y Y Y Y
Account Number Pay into the credit of Mr./Mrs./Ms. ............................................................................................................................
Rupees (in words): …………………………………………………………….………………………………………..………………………………………….
Pay into the credit of Mr./Mrs./Ms. : ..................................................
by Cash/DD/ Cheque No…………..…………………………Date:………………………(subject to realization)
Rupees (In words)………………………………………………………………………….. ₹..……….../
by Cash/ DD/Cheque No……………………………………….. Bank’s Name…………………………………………………………… Bank Branch IFS Code ................................
Date:……………………(subject to realization) -
Bank’s Name and IFSC Code:………………………………………………….
₹..……….../ Break up of Deposit:
In case of RD:- for the month(s) …………………………….. rebate Amount…………..….default Amount……………………..….
Break up of Deposit: - In case of PPF/SSA:- for the Financial Year………………………………… default Amount …………………………………………
In case of RD:- for the month(s) ……………………………………. Loan Repayment……………………………………… Interest on loan ………………….
Rebate amount……………. Default amount ……………………….
In case of PPF/SSA:- for the Financial year…………………………………….. Date
Default amount ………………………………………… Stamp
Loan Repayment………………………… Interest on loan ………………….
Initial of PA/SPM/GDS BPM Signature of Depositor
Dated Depositor Name & Address …………………………………………………………………….. ……Mobile No. ………………………………
Stamp
Initial of PA/SPM/GDS BPM
SB - Savings Account, RD- Recurring Deposit, MIS- Monthly Income Scheme, SCSS- Senior Citizen Saving Scheme, PPF- Public Provident Fund, SSA - Sukanya Samriddhi Account,TD-Time Deposit(1/2/3/5 year), KVP-Kisan Vikas Patra, NSC-National Savings Certificates VIIIth Issue
APPLICATION FORM FOR CLOSURE OF ACCOUNT ON MATURITY (SB-7A)
APPLICATION SIDE (To be filled by depositor) PAYMENT ORDER(For office use only) Date D D M M Y Y Y Y
Name of the Post Office…………………………………………………. Date D D M M Y Y Y Y Transaction ID ------------------------------------

Payment Details
Type of Account: SB RD TD MIS SCSS PPF SSA KVP NSC, Others….. Principal:- ₹…………………………………………………………………………………………………………..
Account No. Interest due(+):-₹……………………………………………………………………………………………………
Recovery of Interest overpaid (-):-₹………………………………………………………………………..
(1) I/We hereby submit pass book and apply for closure of my above mentioned account Deduction (if any) (-):-₹………………………………………………
matured on_________________. Total amount to be paid ₹…………………………………..(In figures)
₹……………………………..…………………………………………………………………………………….(in words)
(2) Please Credit the amount to my SB Account no.________________________ standing
at___________________________________(Name of Account office).
OR Please issue account payee cheque Signature of Postmaster
OR Please pay in cash (applicable if the amount is below permissible limit)
Date Stamp
*Certified, that the amount sought to be withdrawn is required for the use of ACQUITTANCE (to be filled by depositor)
………………………………………who is alive and still a Minor/unsound mind. Received₹…………………………………..(In figures) ₹……………………………………………
…………………………………………………………………………………………………………………….(in
words)by Cash or Cheque No……………………………. dated …………………………. or
Please credit into my Savings Account No………………………………………………..
Signature or thumb impression of account holder(s)/guardian

Attested By …………………………………………………………………………………………….(Name & Address)
(Applicable in case of thumb impression) Signature or thumb impression of account holder(s)/guardian
Mobile No. ………………………………..
Initial of Postal Assistant Initial of Postmaster Attested By ………………………………………………………………………………….(Name & Address)
Date D D M M Y Y Y Y (Applicable in case of thumb impression)
APPLICATION FORM FOR PRE-MATURE CLOSURE OF ACCOUNT (SB-7B)
APPLICATION SIDE (To be filled by depositor) PAYMENT ORDER(For office use only) Date DD MM Y Y Y Y
Name of the Post Office…………………………………………………. Date D D M M Y Y Y Y Transaction ID ---------------------------------

Payment Details
Type of Account: RD TD MIS SCSS PPF SSA KVP ,Others….. Principal:- ₹…………………………………………………………………………………………………………..
To
The Postmaster…………………………………………………………………………………..Post Office Deduction of penal interest and others (if any) (-):-……………………………………………………
(1) I/we wish to prematurely close my/our Account No________________________ having Total amount to be paid ₹…………………………………..(In figures)
balance of ₹____________________(₹______________________ Only) and request you to ₹……………………………..…………………………………………………………………………………….(in words)
pay the amount after deduction of applicable penalty/any other dues (if applicable any), as
per details given below:-
(2) Please Credit the amount to my SB Account no.________________________ standing
Signature of Postmaster
OR Please issue account payee cheque. Date Stamp
OR Please pay in cash (applicable if the amount is below permissible limit) ACQUITTANCE (to be filled by depositor)
(3). I/We hereby declare that the provisions under which the account can be closed
Received₹…………………………………..(In figures) ₹………………………………………………
before maturity under ……………………………(Name of Scheme) have been complied with.
Necessary documents as applicable are attached as under:- …………………………………………………………………………………………………………………….(in
*Certified, that the amount sought to be withdrawn is required for the use of Please credit into my Savings Account No……………………………………………………..
………………………………………who is alive and still a Minor/unsound mind.
Signature or thumb impression of account holder(s)/guardian Signature or thumb impression of account holder(s)/guardian
Mobile No. ………………
Attested By …………………………………………………………………………………………….(Name & Address)
Attested By ………………………………………………………………………………….(Name & Address)
(Applicable in case of thumb impression)
Initial of Postal Assistant Initial of Postmaster
APPLICATION FORM FOR LOAN/WITHDRAWAL FROM RD/PPF AND SSA ACCOUNTS (SB-7C)
Application Side (To be filled by depositor) PAYMENT ORDER (For office use only)
Date D D M M Y Y Y Y
Name of the Post Office…………………………………………. Date DD MM Y Y Y Y
Transaction ID ……………………………………………
Type of Account (tick the required category): RD PPF SSA Amount available in Account Rs …………………………………………………………………
Date of Initial Subscription …………………………………………………………………………
Account No.
Date on which last Loan/withdrawal was allowed ………………………………………………
I………………………………………………..account holder(s)/guardian hareby apply for Total Amount granted for Loan/withdrawal for ₹……………………………(In figures)
loan/Withdrawal from my account mentioned above for ₹…………………….in figures) Rupees …………………………………………………………………………………………….(in words)
Rs.………………………………………………………………………………………………………………..(in words).
* Certified, that the amount sought to be withdrawn to be availed is required for the
use of ………………………………………………who is alive and still a minor or of unsound mind.
2. Please Credit the amount of Loan/ withdrawal to my SB Account No……………………… Date Stamp Signature of Postmaster
standing at ……………………………………………. (Name of Post Office)
ACQUITTANCE (to be filled by depositor)
OR Please issue a Account payee Cheque
OR Please pay in Cash (Applicable for below ₹ 20000) Received ₹……………………………(In figures) Rupees
3. I Certify that all the conditions applicable under scheme for grant of Loan/ ………………………………………………………………………….. (in words) by Cash / Cheque
withdrawal have been complied with. No………………………….. dated ………………………../ by transfer to Account
Necessary documents as applicable are attached as under:- No………………………………………………………..
1
2 Date:-
Signature or thumb impression of account holder(s)/ guardian Signature or thumb impression of account holder/guardian guardian
Mobile No. ……………………………………

Initial of Postal Assistant Initial of Postmaster PAN No………………………………………..
Attested By_______________________________________(Name & Address)
(Attestation is applicable in case of thumb impression) Attested By________________________________________(Name & Address)
Application form for extension of RD/TD/PPF/SCSS Account
To,
The Postmaster
…………………………………………………
Sir,
1. I/We________________________________________is/are depositor of Account

Number_____________________under …………………( Recurring Deposit/National
Savings Time Deposit Scheme for 1/2/3/5 years/ Public Provident Fund/ Sr.
Citizen Savings Scheme) in your office. The said account was opened
on__________________and has/will mature on______________for payment.
2. I/We hereby request for extension of the account for a further period of ______
year(s) in case of RD and TD/Block period of 5years in case of PPF/Block period of 3
years in case of SCSS, as per applicable scheme provisions from the date of
maturity of the above said account.
3. I/We have understood the terms and conditions applicable to the account
during the period of extension under the said scheme as amended from time to time
and shall abide by them.
4. I/We hereby declare that I/We, and the minor( in case of minor account)
continues to be Resident Citizen of India at the time of commencement of the
extension period.
Place:
Date: Signature of the account holder(s)/guardian

(Name and address)
For the use of Post Office
The account no. …………………. which was opened on ……………………with Rs.

……………..
(Rupees ………………………………….) under ……………………. (Name of scheme)
and matured on ……………….., has been extended for a period of …………… years
with effect from ……………….. to ………………… under scheme provisions.
Necessary entries have been made in the records and pass book/deposit receipt/
statement of account.
Place:
Date:
Seal
eOffice ref:- CB-25/9/2020-FS SB ORDER NO. 18/2020
F.No.32-01/2014-SB
Govt. of India
Department of Posts
(F.S. Division)
Dak Bhawan, Sansad Marg,

New Delhi-110001, Dated: 24.04.2020
To
Subject:- Extension of PPF Scheme up to Single Handed Sub Post Offices -

regarding.
Sir / Madam,
The references have been received in this office from time to time to expand
PPF scheme to Single Handed Sub Post Offices. The matter was examined in detail in
the light of the recently notified Public Provident Fund Rules, 2019 and the
competent authority has accordingly approved for extension of PPF scheme up to
Single Handed Sub Post Offices with immediate effect.
2. Necessary amendments in the Inspection Questionnaire of Sub Post Offices

will be issued by the concerned branch of the Directorate to avoid the any possibility
of any fraud.
3. It is requested to circulate this SB Order to all concerned for information

and necessary action. The same may also be placed on the notice boards of the Post
Offices in public area.
4. This issues with the approval of the Competent Authority.
Yours Faithfully,
(Devendra Sharma)
Copy to:-

Member (P)/ Member (Planning & HRD)/ Member (PLI)/ Member (Tech).
General (PAF)
Delhi-110002
17. Guard File
18. Spare copies.
e-frle
SB Order No. 1 o20
F. No. 113-02/2019-SB
Govt. oflndia
Department ofposts
(Fiaancial Services Diyisiod
To, Dated.: 26.05.2020
sub'iect : Regarding extending the prescribed

time limit ofone month post retirement for retirees
to invest in Sr. Citizen Savings Scheme (SCSS).
Madam/Sir,
The undersigned is directed to inform that
vide o.M. No. 3/3/201g-NS (pt.1) dated
21 05 2020' the MoF (DEA) has decided to
small Savings Depositors in view""tu*
of th""o-" "itao theprovisions to safeguard the
;"k;;;'* country a* t" colrolis
;:H:*r:j
."n"*",.3'.tilXjil:*.'I:,f1'Inff.;:':ir::i:: guiderines in rererence to sr. citizen savinss
a' Individual retired (within the age bracket
55-60 years) on superannuation or other.wise
retirement and got
benefits in February-2020, March-2020 ancl Aprir:zozo
are eligible
account up to 30th June, 2020. to open scsS
b' Personnel from Defence services retired and got

retirement benelits in February-2O20, March-
2020 and April-2020 are also erigibre to open
SCSS account up to B0* June, 2020 under the
prescribed eligibility conditions applicable to them.
3. It is requested to circulate
it to all concerned for information and necessary
action. The same may also be placed on the notice
boards of tlre post Omces in public area.
4. This issues with the approval of Competent Authoritv.
yours Fai-thfully,
( 4y+d62o2D.
L)eycndra Sharina )
Copy toi Assistant Director (SB)
1. Sr?PS,to Secretary (posts)/pS to Director General postal
Services,
(Banking)/M"-r"" (6)r-nu-u"" (p)/Member (pranning
i#,?'#i#ii$iri,irt"?r""'jil:"'firêmber &
3.Addl. Diector ceneral, ApS, New Delhi.
4.Additional Secretary & Financial Adviser
S.Chief Genetal Manager, BD Directorate / parcel
Dircctorate / pLI Directorate
6.Sr. Deputy Direcror General (Vigrtance) & Cvo) /
7.Direcror. RAKN PA i GM, CEPTJ D ecrors ofall pTCs
S;;;;;;;o;1""ii"d",,",.r tp.qr)
S.Director General p & T (Audit), Civil Lines, New
Delhi
9secre,tar.y, Postal Services Board_/ A1l Deputy Directors
General
10.All G-eneral Managers (Finance) / Dire"t"* p*t"i,t"".""i"
I OOap
I 1. Chief Enginee r (Civil), postal Direoorate
12.AIl Sections of Postal Dircctorate
13.All recognized Federations / Unions/ Associations
]1qy:_C-EIT forupioading rhe orderon the lndia post websrre.
15. MOF(DEII). NS-II, Norr h Block, New Del]u.
I6. Regional Director (Sr.). ICOw R,nlding, 4 Deendayal
Upadhyal, Marg, New Delhi_110002
17. Guard File
18. Spare copies.
e-F.No. FS-1 1/1 12OZO_FS
Govt. of lndia
Department of posts
Dak Bhawan, New Dethi-110001

To, Dated: 29.05.2020
Sub ect Regarding relaxation provisions in National

Savings Schemes
Mada m/Sir.
The undersione_d is directed to say that vide

NS dated 11.0s.2020 a rs os zoio memorand um no. 14t1t2o2o-
, cori?;;i;;, #i.try or Finance, Department of
1:"1?ri.i{qjrs
prevailing
(Budset Division) hJ"-;;f";;;'ine rorrowinss in view of the
COVID-1 9 situation._
(A) Subcribers of RD Account who

courd not deposit the advance instarments
benefrt of rebate durino rhe rock. down p"rioJnlrv to oet the
The rebate admissibri as oer the scheme
i"poriiih";;;;;;,; 3i,:;65b;;
pr"rili""5 *irr be avairabre at the time of
deposit of advance instalments.
(B) Subscribers of the RD account may deposit

the instarment of May, 2020 in their
RD Account tiil 30 June, 2O2O and no
r.uuirrri"" lrj"i"riij .n"rr be charged.
(C) lf the account is to be contilsg
as per paragra ph 7 (2) ot RD Scheme, j 981 or
Paragraph 6(2) of Ro Scheme, 2019 the'same;;ii[;
done by the depositor tir 30rh
June, 2020 by submittino the pendrng monthry
fee shall be charged for tie period of March,
in.irrrr*nt, rn such case, no defaurt
April and May,2O2O.
2.
Accordingry necessary amendments are being
made in Finacre. Non_
cBS Post offices shourd arso take necessary action
accordingry as per the above
instructions.
3. lt is requested to circulate it to all concerned for information

and
necessary action. The same may also be placed
on the notice board of the all post
Offices in public areas.
Yours Faithfully,
4,r-*.
lDevendiSSharma )
Copy To.-

2. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member
(P)/ Member (Planning & HRDy Member (PLl)/ Member (Tech).
5. Chief General Manager. BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General
(PAF)
8 Director General P & T (Audit), Civil Lines, New Delhi
'11 Chief Engineer (Civil), Postal Directorate
14. GM, CEPT for uploading the order on the lndia Post website.
15. MOF(DEA), NS-ll, North Block, New Delhi.
'l6.Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-
110002
17 Guard File
18. Spare copies.
S.B. O'det 2t/2O2O
e. F.No.107-0U2020-SB
Government of lndia
Department of Posts
Dak Bhawa n, New Delhi-110001

Dated:- LL /06/2020
To,
Subiect:- Amendment to procedural rule in POSB(CBS)Manual/POSB Manual Volume regarding.
Sir/Madam,
ln order to streamline payment of lncentive/Commission to GDS SPM/GDS BPM for opening of

National SavingsTime Deposit Accounts, POSB(CBS) Manual, Appendix Vlll, para I Note 4 / POSB
Manual Volume l, Appendix X, para 1 Note 4 is amended as below: -
"lncentive will be payable to GDS SPMs/GDS BPMs irrespective of the location of Post Offices i.e.
whetherin rural area or in urban area subiect to the condition that the address ofthe depositor falls
within the deliverv iurisdiction of the res pective GDS Sub Post Offic e/Branch Post Office."
2, lt is requested to circulate the amendmentto all concerned for information and guidance and
necessary action.
3. This issues with the approval ofthe Competent Authority.

o6 a
(Deven TI a Sharma)
Copy to:-
1. Sr. PPS to Secretary (Posts)

2. PSto Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (P)/ Member
(Planning & HRD)/ Member (PLl)/ Member (Tech).
6. ChiefGeneral Manager, BD Directorate / Parcel Directorate / PLI Directorate
7. Sr. Deputy Director General (Vigilance) & CVO)/ Sr. Deputy Director General (PAF)
8. Director, RAKNPA / GM, CEPT / Directors of all PTCS
11. All General Managers (Finance)/ Directors Postal Accounts / DDAP
L3. All Sections of Postal Directorate
17. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-110002
18. Guard File
19. Spare copies.
SB ORDER No. 22/2020
e.F.No. CB- 25/9/2020-FS
Govt. of India
Department of Posts
New Delhi-110001, Dated: 18.06.2020
To,
Subject:- Acceptance of Cheque in Branch Post Offices for Account Opening and Subsequent
Deposits- regarding.
Sir / Madam,
The references have been received in this office from time to time to provide facility for
cheque acceptance in respect of New Account Opening (RD/TD/SSA) and Subsequent Deposits in
SB/RD/SSA accounts in GDS Branch Post Offices. The matter has been examined in detail in the light
of Rule 8, Rule 9 & Rule 10 in Appendix I of the POSB Manual Volume I and the competent authority
has accordingly approved restoration of Cheque deposit facility in GDS Branch Post Offices for New
Account Opening and for Subsequent Deposits irrespective of any amount limit.
2. However, the process for necessary modification in RICT CBS application may take time.
So, in order to facilitate customers to make deposits through cheques at the GDS Branch Post
Offices, the process of manual acceptance of cheques at GDS Branch Post Offices is prepared (Hindi
& English) and enclosed for further necessary action till the provision is made available in DARPAN
(RICT) CBS Application.
3. It is requested to circulate this SB Order to all concerned (including GDS Branch Post
Offices) for information and necessary action. The same may also be placed on the notice boards of
the Post Offices in public area.
4. This issues with the approval of the Competent Authority.
Enclosure: Annexure- SOP Yours Faithfully,
(Devendra Sharma)
Copy to:-
2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (P)/ Member (Planning &
HRD)/ Member (PLI)/ Member (Tech)/AS & FA.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
17. Guard File
18. Spare copies.
Annexure
Standard Operating Procedure for Opening of New account (RD, TD, SSA) and Subsequent
Deposits in (RD,SSA,Savings Account) in GDS Branch Post Offices through Bank Cheque
Introduction
Presently, Extra Departmental Branch Post offices (GDS Branch Post Offices) are not allowed
to accept cheques for New Account Opening for RD, TD and SSA / Subsequent deposits for
SSA, RD and Savings Account. There is restriction of accepting cash transactions of above
Rs.25000/- in GDS Branch Post Offices in an account in a day. In order to facilitate GDS
BRANCH POST OFFICE customers to open new accounts and make subsequent deposit
through any bank cheque, following procedure for acceptance of cheque in GDS Branch Post
Office is prescribed as under: -
(A) Operating procedure for Branch Post Offices
1. GDS Branch Postmaster can accept any bank cheque for opening of new account under SSA, TD
and RD schemes and subsequent deposits in SSA, RD and Savings Accounts.
2. Only Account Payee cheque is to be accepted.
3. Cheque is to be drawn in favour of concerned Postmaster of Head Post Office; GDS Branch
Postmaster will ensure the following: -
a) For opening of account (SSA/TD/RD): - Endorsement on the back of such cheque shall be
made as “For opening of ……… (name of scheme) account in the name of …………………………
(name of proposed depositor) (Signature of depositor)”
b) For subsequent deposit (SB/RD/SSA): - Depositor will enter details of cheque in pay-in-slip
and endorsement on the back of such cheque shall be made as “For credit in the Account
No………………… in the name of ……………… (Signature of depositor)”
4. In case cheque is drawn in favour of depositor, GDS Branch Postmaster will ensure the
following: -
a) For opening of account (SSA/TD/RD): - Endorsement in favour of Postmaster of HO on the
back of such cheque shall be made as “Pay to Postmaster…………………P.O for opening
of………………(name of scheme)account in the name of……………(name of proposed
depositor)(Signature of depositor)”
b) For subsequent deposit (SB/RD/SSA): - Depositor will enter details of cheque in pay-in-slip
and write the account number on the reverse of the cheque duly signed.
5. There should be no correction in the cheque. Account Office will reject the cheque in case of
corrections/overwriting is found on cheque.
6. Branch Postmaster will check the following before accepting a cheque: -
a) It is not a post-dated cheque.
b) Date of issue of cheque is not more than 3 months old.
c) Amount in words and figures should match.
7. Preliminary Receipt, SB-26 is to be issued for the cheque collected by the GDS Branch Postmaster
mentioning the Bank name, cheque number, date of issue of cheque and amount.
8. GDS Branch Post Office will not do any transaction for new account/subsequent deposit related
to the cheque received in BO and sent for clearance to the Account Office, including those
working on RICT device.
9. GDS Branch Postmaster will maintain a manual cheque register for registering list of cheques
received for new account opening/subsequent deposit.
Sl. Date of Name of Name of Cheque Cheque Date on New Account No Date of Signature of
No. receipt of Savings customer Amount Details which (after receipt from receipt of customer after
of cheque Scheme (Bank name, cheque Account Pass receipt of
SB-26 date of sent to Office)/Balance Book passbook at
cheque, Account After transaction from the time of
Cheque No) Office Account Passbook
office handover.
10. GDS Branch Postmaster will forward the cheque along with new account opening form, Pay-in-
Slip, KYC form /documents (if customer not given previously in Post Office) and cheque to
Account Office duly entered in BO Journal and BO Daily Account on cheque receipt date in BO
Account Bag.
11. GDS Branch Postmaster will forward the SB/SSA/RD cheques and Pay-in-slips for subsequent
deposits along with Passbook to Account office duly entered in BO Journal and in BO Daily
account on cheque receipt date in BO Account Bag.
12. On receipt of passbook from Account Office, GDS Branch Post office adopts procedure given
below: -
a) Update the new account number /balance after transaction in the manual cheque register.
b) Depositor’s copy of SB-26 should be taken back and paste with office copy.
c) Depositor’s signature on manual cheque register should be obtained.
13. Manual cheque register maintained in GDS Branch Post Office should also be checked and
verified by Inspecting/Visiting Officers during inspection/visit.
(B) Procedure at Account Office (Sub Office/Head Office)
1. Account Office (SO/HO) will check whether the physical cheque along with AOF/Pay-in
slip/passbook is received w.r.t. to entries in BO Daily Account.
2. Account office (SO/HO) will maintain manual cheque register.
Sl. Name Date of Name Name of Cheque Cheque Cheque Date of New Ac Date on Signature of P
No of BO receipt of customer Amount Details Clearing Posting/ count N which A/Supervisor
of Savings (Bank date credit into o. passbook
cheque Scheme name, account. sent
from B date of to BO
O cheque,
Cheque
No)
3. Account Office will send all cheques received from GDS Branch Post Offices along with cheques
received in SO to respective HO for clearing by entering all cheques in Manual List.
4. Head Post Office will receive cheques and adopt procedure prescribed given as under: -
a) Compare cheque with manual list.
a) Ensure that cheque received is in order in all respect.
b) Lodge these cheques along with cheques received in SO in Outward Clearing Zone.
c) Cheque for new account opening/RD deposit will be lodged in respective SOs SOL ID+ 0382
office account and for SSA deposit to be lodged in HO SOL ID + 382 office account.
d) Cheque for deposit in PO Savings Account to be lodged in respective PO Savings Account.
e) After receiving clearance from clearing house/Bank/Grid, post outward clearing zone.
f) After receiving clearance, post Subsequent deposit for SSA by debiting HO SOL ID+0382
office account.
5. Account Office should check their clearing office account (SOL ID+0382) on daily basis to see
clearance received from HO and on the date of posting in office account, adopt the procedure
given as under: -
a) Open new account and link BO ID with value date as clearing date and fund the account by
debiting SOL ID+0382 office account.
b) Subsequent deposits for RD are to be posted with value date as cheque clearing date by
debiting SOL ID+0382 office account.
6. Account Office (SO/HO) will mention the cheque clearing date and date on which posting/credit
done in account after clearance in manual cheque register to ensure that all cheques sent for
clearing are processed and accounted for.
7. Amount of clearance of cheques lodged against SO clearing accounts will be
automatically reflected under RSAO Grid Clearance Remittance (Cr) after clearing. After
new account opening /subsequent deposits, it will be reflected as RSAO Grid Clearance
Remittance (Dr) and deposit against respective scheme in daily account.
8. Account Office (SO/HO) will ensure that the BO cheque clearing amount is reflected in
CSI daily account on day of accounting.
9. Passbook will be printed at Account Office (HO/SO) on day of account
opening/subsequent deposits and update entries in manual cheque register.
10. Account Office (HO/SO) will send passbook to respective BOs duly entered in BO Slip on
same day of new account open/subsequent deposit in BO account bag.
11. Account office (HO/SO) to ensure that BO ID is linked on DAY OF ACCOUNT OPENING
without fail.
12. Supervisor will verify the new account opened with passbook and subsequent deposit
entries made in passbook with manual cheque register and Finacle.
13. Manual cheque register maintained in Account Office (HO/SO) should also be checked
and verified by Inspecting/Visiting Officers during inspection/visit.
Note: - Non- CBS offices will follow the procedure prescribed in POSB Manual Volume I
Rule 8, Rule 9 & Rule 10 of Appendix I and after clearance of cheque open
account/deposit in Sanchay Post then print/prepare/update passbook and sent to BO
by entering in BO slip in BO Account Bag.
vuqyXud
xzkeh.k Mkd lsod (GDS) ’kk[kk Mkd?kjksa esa cSad psd ds ek/;e ls u;k [kkrk [kksyus
¼vkorhZ tek] lkof/k tek] lqdU;k le`f} ;kstuk½ ,oa vU; tekvksa ¼cpr [kkrk] vkorhZ tek]lqdU;k le`f) ;kstuk½
ds fy, ekud lapkyu izfdz;k
ifjp;
orZeku es]a xzkeh.k Mkd lsod (GDS)’kk[kk Mkd?kj ds fy, u;k [kkrk [kksyus ¼ vkorhZ tek] lkof/k tek] lq-l-;ks- ½
,oa vU; tekvksa ¼ cpr [kkrk] vkorhZ tek] lq]l-;ks- ½ ds fy, psd Lohdkj djus dh vuqefr ugh gS A GDS ’kk[kk
Mkd?kj esa ,d fnu esa] ,d [kkrs esa 25000 : ls vf/kd udn tek djus ij izfrca/k gS A GDS ’kk[kk Mkd?kj ds
tekdrkZvksa dks cSad psd ds ek/;e ls u;k [kkrk [kksyus rFkk vU; tekvksa dh lqfo/kk miyC/k djkus ds fy, uhps
of.kZr izfdz;k fu/kkZfjr dh tkrh gS% &
(v) GDS ’kk[kk Mkd?kjksa }kjk viukbZ tkus okyh izfdz;k
1- u;k [kkrk [kksyus ¼ vkorhZ tek] lkof/k tek] lq-l-;ks- ½ ,oa vU; tekvksa ¼ cpr [kkrk] vkorhZ tek] lq]l-;ks- ½
ds fy, GDS ’kk[kk Mkdiky cSad ds psd Lohdkj dj ldrs gS A
2- dsoy [kkrs esa ns; psd gh Lohdkj fd;k tk;sxk A
3- psd lacaf/kr iz/kku Mkd?kj ds iksLVekLVj ds i{k esa ¼uke ij½ vkgfjr fd;k gksuk pkfg, A GDS ‘’kk[kk
Mkdiky ;g lqfuf’pr djsx a s fd % &
v) u;k [kkrk [kksyus ds fy, %& psd ds ihNs tekdrkZ }kjk iksLVekLVj] iz/kku Mkd?kj ds i{k es bl izdkj ls
i`"Bkadu fd;k tk;sxk “ --------------------------------(izLrkfor vkosnd dk uke)ds uke ls ----------------------------(cpr
;kstuk dk uke)-[kkrk [kksyus ds fy,] (tekdrkZ ds gLrk{kj)“
c) vU; tekvksa ds fy, %& tekdrkZ }kjk tekiphZ es psd dk fooj.k ntZ fd;k tk;sxk rFkk psd ds ihNs
fuEu i`"Bkadu fd;k tk;sxk] “………………………[kkrk la[;k esa ----------------------------ds uke ls tek djus ds
fy, (tekdrkZ ds gLrk{kj)”
4- ;fn psd tekdrkZ ds i{k es (uke ij) vkgfjr gks % &

v) u;k [kkrk [kksyus ds fy, % & psd ds ihNs tekdrkZ }kjk iksLVekLVj] iz/kku Mkd?kj ds i{k es bl izdkj
ls i`"Bkadu fd;k tk;sxk “ -----------------------------------(izLrkfor vkosnd dk uke) ds uke ls -----------------------------(cpr
;kstuk dk uke) [kkrk [kksyus ds fy,] iksLVekLVj ------------------------------Mkd?kj dks Hkqxrku djsa (tekdrkZ ds
gLrk{kj)“
c) vU; tekvksa ds fy, % & tekdrkZ }kjk tekiphZ es psd dk fooj.k ntZ fd;k tk;sxk rFkk psd ds ihNs
[kkrk la[;k fy[kdj gLrk{kj djsx a sA
5- Lohdkj fd;s tkus okys psd esa fdlh izdkj dh dkaV NkaV ugha gksuk pkfg, A psd esa dkaV&NkaV@vf/kfyf[kr
gksus dh fLFkrh esa ys[kk dk;kZy; }kjk psd vLohdkj fd;k tk;sxk A
6-‘tek gsrq psd Lohdkj djrs le; GDS ’kk[kk Mkdiky fuEufyf[kr tkWp djsx
a s%&
v) psd vkxs dh ¼Hkfo";½ fnukad dk ugha gksuk pkfg, A
c) psd 3 ekg ls igys dh fnukad dk ugh gksuk pkfg, A
l) psd esa tek jkf’k vadks rFkk ’kCnksa esa leku gksuh pkfg, A
7- GDS ’kk[kk Mkdiky }kjk izkIr psd ds fy, tekdrkZ dks vkjafHkd jlhn ¼,l-ch-26 ½ tkjh dh tk;sxh A
jlhn esa cSad dk uke] psd la[;k] tkjh djus dh rkjh[k] tek jkf’k fy[ksa A
8- GDS ’kk[kk Mkdiky izkIr cSad ds psdksa ls lacaf/kr u;k [kkrk [kksyus@vU; tekvksa ds ysu nsu dh izfof"V
’kk[kk Mkd?kj (esuqvy@RICT) esa ugha djsaxsA izkIr psd dks lek’kks/ku gsrq ys[kk dk;kZy; dks iszf"kr djsx
a sA
9- GDS ’kk[kk Mkdiky }kjk u;k [kkrk [kksyus@vU; tekvksa ds fy, izkIr psdksa dh lwph dks iathd`r djus ds
fy, ,d esuqvy psd jftLVj cuk;sx
a as A
vkjafHkd psd izkfIr cpr tekdrkZ psd dh psd dk ys[kk ys[kk ys[kk tekdrkZ
jlhn dh ;kstuk dk uke jkf’k fooj.k dk;kZy; dk;kZy; dk;kZy; ds
la[;k rkjh[k dk uke dks psd ls ls gLrk{kj
(SB-26 cSad dk Hkstus dh iklcqd iklcqd ¼iklcqd
no.) uke rkjh[k izkIr gksus izkIr gksus ykSVkus ds
rkjh[k ij dh rkjh[k le;½
psd u;k [kkrk
la[;k la[;k@
tek ds
i’pkr
vfr’ks"k
10- GDS ’kk[kk Mkdiky lHkh izkIr psdksa rFkk u;k [kkrk [kksyus dk QkWeZ] tek iphZ] KYC QkWeZ @igpku nLrkost
(;fn tekdrkZ }kjk iwoZ esa ugh fn;s gq, gk) dks ’kk[kk Mkd?kj tuZy vkSj ’kk[kk Mkd?kj nSfud ys[ks esa ntZ
dj lacaf/kr ys[kk dk;kZy; dks ’kk[kk Mkd?kj ys[kk Fksys ds ek/;e ls psd izkfIr dh rkjh[k dks Hkstsaxk A
11- GDS ’kk[kk Mkdiky vU; tekvksa ¼cpr [kkrk] vkorhZ tek] lq]l-;ks-½ ds fy, izkIr psdksa dks iklcqd rFkk
tek iphZ lfgr ’kk[kk Mkd?kj tuZy vkSj ’kk[kk Mkd?kj nSfud ys[ks esa ntZ dj lacaf/kr ys[kk dk;kZy; dks
’kk[kk Mkd?kj ys[kk Fksys ds ek/;e ls psd izkfIr dh rkjh[k dks Hkstsxk A
12- GDS ’kk[kk Mkdiky }kjk ys[kk dk;kZy; ls iklcqd izkIr gksus ij vxzfyf[kr izfdzz;k viuk;sx
a s% &
v) esuqvy psd jftLVj esa u;k [kkrk la[;k@ tek ds i’pkr dk vfr’ks"k ntZ djsx a sA
c) xzkgd dks iklcqd lqiqnZ djrs le; ,l-ch-26 dh tekdrkZ dh izfr izkIr dj- ,l-ch-26 dh dk;kZy; izfr
ds lkFk fpidk;sxa sA
l) esuqvy psd jftLVj esa tekdrkZ ds gLrk{kj izkIr djsx
a sa A
13- GDS ’kk[kk Mkd?kj ds foftV@fujh{k.k ds nkSjku lacaf/kr tkWp vf/kdkjh }kjk esuqvy psd jftLVj dh tkWp
vkSj lR;kiu djuk Hkh lqfpf’pr djsa A
(c) ys[kk dk;kZy; (HO/SO) esa viukbZ tkus okyh izfdz;k
1- ys[kk dk;kZy; }kjk ’kk[kk Mkd?kj ls izkIr psdksa vkSj [kkrk [kksyus dk QkeZ] tek iphZ] iklcqd dk lacaf/kr ’kk[kk
Mkd?kj ls izkIr nSfud ys[ks dh izfof"V;ksa ls feyku fd;k tk;sxk A
2- ys[kk dk;kZy; }kjk izkIr psdksa ds fy, ,d esuqvy psd jftLVj cuk;k tk;sxk A
dze ’kk[kk ’kk[kk cpr tekdrkZ psd psd psd [kkrk [kkrk ’kk[kk dkmUVj
la[;k Mkd?kj Mkd?kj ;kstuk dk dh dk lek’kks/ku [kksyus@ la[;k Mkd?kj lgk;d@
dk ls psd dk uke jkf’k fooj.k gksus dh vU; dks i;Zo{s kd
uke izkIr uke (cSad dk rkjh[k tek iklcqd ds
gksus dh uke] dh Hkstus gLrk{kj
rkjh[k rkjh[k] rkjh[k dh rkjh[k
psd la[;k)]
3- ys[kk dk;kZy; lHkh ’kk[kk Mkd?kj ls izkIr psdksa dks vius dk;kZy; es izkIr psdksa lfgr] esuqvy fyLV esa ntZ
dj lacaf/kr iz/kku Mkd?kj dks lek’kks/ku ds fy, Hkstsxk A
4- iz/kku Mkd?kj }kjk psd izkIr gksus ij fuEu izfdz;k viuk;h tk;sxh A
v) izkIr psdksa dk feyku izkIr esuqvy fyLV ls djsaxs A
c) lwfuf’pr djsa fd izkIr psd lHkh izdkj ls tek ;ksX; gS A
l) lHkh izkIr cSad psdksa dks Outword Clearing Zone esa izfof"V djsx a sa A
n) u;k [kkrk [kksyus@vkorhZ tek esa tek ls lacaf/kr psdksa dks lacaf/kr miMkd?kj ds SOL ID + 0382 vkWfQl
vdkmaV esa izfof"V djsx a s vkSj lqdU;k le`f} ;kstuk ls lacaf/kr psdksa dks HO SOL ID+ 0382 vkWfQl
avdkmaV esa izfof"V djsx
a s
p) cpr [kkrsa esa tek ds fy, izkIr psd dks lacfa/kr cpr [kkrsa esa izfo"V djsaxs A
N) lek’kks/ku x`g@cSad@ lacaf/kr fxzM ls psd lek’kks/ku gksus ij lacaf/kr Outword Clearing Zone dks
iksLV djsaxsA
t) lqdU;k le`f} ;kstuk esa vU; tekvks dks psd lek’ks/ku gksus ds ckn HO SOL ID+0382 vkWfQl vdkmaV
ls MsfcV dj tek djsx a sa A psd lek’kks/ku dh fnukad dks osY;q MsV esa fy[ksx
a sA
5- ys[kk dk;kZy; }kjk nSfud vk/kkj ij vius dk;kZy; ds psd fDy;fjax vkWfQl [kkrs SOL ID + 0382 dh tkWp
djsx
a s rFkk ftl fnu psd tek fd izfof"V lacaf/kr psd fDy;fjax vkWfQl [kkrsa esa iksLV gks ml fnu fuEu izfdz;k
lqfuf;or djsx a sA
v) u;k [kkrk [kksyrs le; lacaf/kr ’kk[kk Mkd?kj dk dksM p;u@fyad djsa rFk psd lek’kks/ku (Clear) dh
rkjh[k dks osY;w fnukd esa fy[ksa ,oa SOL ID+0382 dks MsfcV djrs gq, [kkrs esa jkf’k tek djsa A
c) SOL ID +0382 vkWfQl vdkmaV ls MsfcV dj vkorhZ tek ds [kkrksa esa tek djsa A jkf’k tek djrs le;
psd lek’kks/ku gksus dh rkjh[k dks osY;w MsV esa fy[ks A
6- ys[kk dk;kZy; (HO/SO) }kjk esuqvy psd jftLVj esa u;s [kkrs@ a vU; tekvksa dk fooj.k (lek’kks/ku dh
rkjh[k@iksfLVax]tek dh rkjh[k ) psd lek’kks/ku ds ckn izfo"V dj lqfu’pr djsx
a s fd lek’kks/ku gsrq Hksts x;s
psdks ij dk;Zokgh dj fglkc esa ys fy, x;s gS A
7- lek’kks/ku gq, psd dh jkf’k (u;k [kkrk@vU; tek,a) GL Integration ds ek/;e ls CSI es Lor% izfrfcafcr gks
tk;sxh A nsfud [kkrs esa ;g jkf’k RSAO Grid clearance Remittance (Cr) rFkk RSAO Grid clearance
Remittance (Dr) ds en esa lacaf/kr cpr ;kstuk esa nSfud ys[ks esa iksLV gksxh A
8- ys[kk dk;kZy; (HO/SO) ;g lqfuf’pr djsx

a s fd psd fDy;jsal dh jkf’k lacaf/kr dk;kZy; (HO/SO) ds nSfud
[kkrs esa fglkc esa n’kkZ;h xbZ gS A
9- ys[kk dk;kZy; (HO/SO) esa u;k [kkrk [kksyus @vU; tekvksa ds fnu iklcqd fizaVj ls iklcqd fizV@viMsV
dj esuqvy psd jftLVj esa izfof"V dj i;Zos{kd }kjk mlh fnu lR;kiu fd;k tk;s A
10-ys[kk dk;kZy; (HO/SO) }kjk u;k [kkrk [kksyus @vU; tekvksa dh rkjh[k dks ’kk[kk Mkd?kj iphZ esa ntZ dj
’kk[kk ys[kk csx }kjk lacaf/kr ’kk[kk Mkd?kj dks iklcqd Hksth tk;sxh A
11-ys[kk dk;kZy; (HO/SO) [kkrk [kksyrs le; ;g lqfuf’pr djsa fd lacaf/kr GDS ’kk[kk Mkd?kj dh ID/Code
fyad dh xbZ gS A
12-i;Zos{kd }kjk u;k [kkrk@vU; tekvksa dh iklcqd dk esuqvy psd jftLVj @fQusdy ls lR;kiu fd;k
tk;sxkA
13-ys[kk dk;kZy; (HO/SO) ds foftV@fujh{k.k ds nkSjku lacaf/kr tkWp vf/kdkjh }kjk esuqvy psd jftLVj dh
tkWp vkSj lR;kiu djuk Hkh lqfpf’pr djsa A
uksV% & Non CBS (TNF) Mkd?kj Mkd?kj cpr esuqvy oksY;qe izFke ds vuqcU/k izFke ds fu;e 8] 9] 10 esa n’kkZ;h
x;h izfdz;k dk ikyu djsx a s rFkk lap; iksLV esa u;k [kkrk [kksyus@vU; tek djus ds i’pkr iklcqd
fizaV@viMsV dj lacaf/kr GDS ’kk[kk Mkd?kj dks ’kk[kk Mkd?kj iphZ esa ntZ dj ’kk[kk Mkd?kj ys[kk Fksys }kjk
Hkstsaxs A
S.B. Order 23/2020
e. F.No.FS-79/2/2020-FS
Government of India
Department of Posts
Dak Bhawan, New Delhi- I 1000 I
Dare* - 26 /06/2020
To,
All Head of Circles/Regions,
Subiect:- Reduction in rate ofrax Deducted at Source (TDS) in poSB schemes regarding.
Sir/Madarn-
I
am directed to sav that Central Board of Direcl Taxes, Department of Revenue, Ministry of
Finance has issued a press release dated 13.05.2020 (Copy enclosed) as "ln order to provide more funds
at the disposal of the taxpayers for dealing with the economic situation arising out of COVID-19
pandemic, the rates of Tax Deduction at Source(TDS) for the following non-salaried specified payments
made to residents lras been reduced by 25o/o for the period from l4th May, 2020 to 3 I st i\4arc lt, zazy, .
Accordingly revised rates ofTDS in respect of pOSB schemes are as under:-
sl. Scction ol ature ofPayment xisting rate o uced rate Remarks

No. lnconre Tlr DS ronr l1/05/2020
31103/2021
on other
L 194 A Interest
interest of security
in
tha 10%
1 Y SCSS
2. l9.l EE Payment
deposit under NSS-87
respect () 1qyo
P NSS-87
2.
l9.l H Comrnission or brokerage
r* l*
Necessary amendments are being made in Finacle. Non-CBS post offices should also take necessary
MPKBY/SAS
commission.
action accordingl).
3. It is requested to circulate the amendment to all concerned for information, guidance and neoessary
action.
4. This issues with the approval of the Comperent Authority
Enclosed: As above
ffiz'*'
(Deven?ra Sharma )
Copy to:-
3. PPS/ PS to Addl. DG (Co-ord ination/Member (Banking)/ Member (O)/ Member (P)/ Member
(Planning & HRD)/ Member (PLl)/ Member (TechyAS & FA
7. Director, RAKNPA / GM, CEPT / Directors of atl PTCs
10. AllGeneral Managers (Finance) / Directors Postal Accounts / DDAP
16. Joint Director & HOD. ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-l 10002
17. Cuard File
18. Spare copies.

Government of India
Ministry of Finance
Department of Revenue
Central Board of Direct Taxes
New Delhi, I 3th May. 2020

PRESS RELEASE
Reduction in ratc ofTax Deduction at Sourcc (TDS) & Tax Collection at Source (TCS)
ln order to provide more funds at the disposal of the taxpayers for dealing with the
economic situation arising out of covlD-19 pandemic, the rates ofrax Deduction at Source
(TDS) fbr the following non-salaried specified payments made to residents has been reduced
by 25% for the period liom l4'h May,2020 ro 31" March. 2021:-
Seclion of Nature ofPayment Existing Rate Reduced rate

I
the Income- of TDS from
S. No tax Act l4/05/2020 to
31t03t2021
l 193 lntcrest on Securities t0% 7 .50h
2 I 9.1 Dividend t0% 7.5%
I 94A lnterest other than interest 10% 1 .5%

J
on securities
I 94C Pa) nlent of Contractors l% ( individ- 0.15% (indi-

and strb-contractors ual/HUF) vidual/HUF)
+
2% (others) | .5% (others)
) l94D lnsurance Commission 3.7 s%
I94DA Payment in respect of life 5% 3.7 5o/o

6
insurance policy I
I94EE Payments in respect of l0% 7 .5%

1 deposits under National
Savings Scheme
l9:lF Payments on account of 20% 15%

8 re-purchase of Units by
Mutual Funds or UTI
I 9.lG Commission, prize etc.. 5%, 3.7 5%

9 I
on sale of lotterv tickets
10 19.+t'l Commission or brokerage 5Yo 3.15%

I 94J(a) Rent for plant and ma- 1.5%
chinery
l e4-(b) Rent for immovable prop- t0% 7 .5o/o

I2 )
erty
194-tA Payment for acquisition lYo

li I of immovable property
I
0.7 5%
I
t4
194- l Payment ofrent by indi- 5% 3.75%
vidual or HUF
I 94-tC Payment for Joinl Devel- t0% 7.5%

t5
opment Agreements
t94J Fee for Professional or 2% (FTS. cer- | .s% (FTS,

Technical Services (F1'S), tain royalties. certain royal-
t6 Royalty, etc. call centre) ties, call cen-
l0% (others) tre)
I
7.5% (others)
I 9.1K Payment of dividend by t0% 7.5%

\1
Mutual Funds
19.+LA Paynrent ofCompensa- t0% 7 .5o/o

tion on acquisition of irn- I
r8
movable property
r e4LBA( l ) Payrnent of incotrlc b\ t0% 7 .5%

l9
Business trust
re4LBB(i) Pavment of income bv 1n- | t 0v, 7 .5%

20
vestment fund I
I 94LIlC( l ) lnconre by securitisation 25% (lndiv id- I 8.75% (lnd i-

trust ual/HUF) vidual/HUF)
21 30% (Others) 22.5% (Oth-
ers)
I 94M I Payrnent to comrrission, I 5% 3.15%

a1
I brokerage erc. by lndivid-
I ual and HUF |
194-O TDS on e-c.ommerce par- t% 0 ?5%]

tl trcrpants |
I (u,.e.f.
I
r .1 0.2020)
2. Further, the rate ofTax Collection at Source (TCS) for the following specified receipts
has also been reduced by 25%o for the period from 1 4th May, 2020 to 3l " March, 2021 :-
Section of I Natur€ of Receipts Existing Reduced rate

rhe In- | Rate of TCS from
S. No come-tax l4/05/2020 to
A"'I I
31t03/2021
206C( I ) Sale of
(a) Tendu Leaves 5% 3.7 5%
(b)Timber obtained under a for- 2.5Yo | .815Yo

est lease
(c) timber obtained by any other 2.50o | .8'7 5Yo
I mode
(d) Any other forest produce not 2.5o/o t .87 5%

being timber/tendu leaves
(e) scrap 1% 0.7 5Yo
(f) Minerals, being coal or lig- t% 0.7 50

n ite or iron ore
206C( r C) Grant of license, lease, etc. of 2Yo 1 .5Yo

(a) Parking lot
2
(b) Toll Plaza 2% | .5Yo
(c) Mining and quarrying I .5o/o
206C( r F) Sale of rnotor vehicle above I 0 t% 0.7 5Yo

-)
lakhs
206C( l H) Sale of any other goods 0.t% 0.15%

,l (w.e.f
0l . l 0.2020)
3. Therefore. TDS on the amount paid or credited during the period from l4th May, 2020
to 3
'r March,
I 2021 shall be deducted at the reduced rates specified in the table in para I
above. Similarly, the tax on the amount received or debited during the period from l4'h
May, 2020 to 3 l'1 March, 2021 shall be collected at the reduced rates specified in the table
in para 2 above.
4. It is Iurther stated that there shall be no reduction in rates ofTDS or TCS. where the tax
is required to be deducted or collected at higher rate due to non-furnishing of
PAN/Aadhaar. For example, if the tax is required to be deducted at 20oZ under section
206AA ofthe Income-tax Act due to non-fumishing ofPAN/Aadhaar, it shall be deducted
at the rate of 200lo and not at the rate of l5%.
5. t-egislative amendments in this regard shall be proposed in due course.
(Surabhi Ahluwalia)
Commissioner of Inconre Tax
(Media & Technical Policy)
Official Spokesperson, C BDT
SB Order 2412020
e.F.No I 13-03/2017-SB(Pt.l)
Govt. of India
Department of Posts
(F.S. Division)
Dak Bhawan, Nerv Delhi-l10001
Dated: 01.07.2020
To,
AII Head of Circles/Regions
Subiect : Revision of interest rates for Small Savings Schemes w.e.i 01.07 .2020
Sir/Madam,
1'he undersigned is directed to say that vide memorandum No.0l/04/2019-NS dated

30.06.2020 (copy enclosed), Govt. of India. Ministry of Finance, Department of Economic Affairs
(Budget Division) have informed that the rate of interest on various Small Savings Schemes (National
Savings Schenres) for the second quarter of financial year 2020-2 I (starting from l't July ,2020 and
cnding on 30'r' September, 2020) shall remain unchanged from those notified for the first quarter of
Financial Year 2020-21 (01'r April. 2020 to 30th June,2020). The details are indicated below for ready
reference.
sl. I nstruments Rate of interest Rrte of interest Compounding

No. w.e.f.01.0,1.2020 to w.e.f 01.07.2020 Frequcncv*
30.06.2020 to 30.09.2020
(Unchanged)
0l Post Of'fice Savings Account r1.0 .1.0 A nrt Lralll
0l I Year Time Deposit 5.5 ).) Quarterly
03 2 Year f ime Deposit 5.5 5.5 Quarterly
0,1 3 Year 'lime Deposit 5.5 5.5 Quarterl\
06 5 Year Recurling Deposit 5.8 5.8 Quarterly
Scheme
Senior Citizen 7.4 '7.4
07 Quarterly and
Savings Scheme Paid
0tt Monthlv Income Account 6.6 6.6 Monthly and
paid
09 National Savings Ceftificate 68 6.8 Annuallv
(VIll lssue)
l0 Public Provident I und 1 I 7.t Annually
Scherr e
ll Kisan Vikas Patra 6.9 (irill mature in 6.9 (will mature in Annuallv
I 24 months) 124 months)
)2 Sukanya Samriddhi AccoLrnt 7.6 7.6 Annuallv
Scheme
Cont. on page 2/---

-2
3. lt is requested to circulate it to all concerned for information and necessary guidance. Same may
also be placed on the notice board ofall Post Offices in public area.
Yours Faithf'ully,
ffir""
(DevenUia Sharma)
Copy to:-
2. PS to Dilector General Postal Services.

(Planning & HRD)/ Member (PLI)/ Member (Tech)/AS & FA
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director Ceneral (pAF)
8. Diiector General P & T (Audit). Civil Lines, New Delhi

16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-t 10002
17. Guard File
18. Spare copies.

F.No.1/4/2019-NS
Government of lndia
Ministry ol Finance
Department of Economic Affairs
{Budget Division}
North Block, New Delhr

Dared:30.06.2020
OFFICT M ORANDUM
Subjectr Revision of interest rates fgr Small Savings Schemes - reg
The .ates of interest on various Small Savings Schemes for the second quarter of
financial year 2020 21 starting from 1't July, 2020 and ending on 30th September, 2020
shall remain unchanged from those notified for the first quarter (1'1 April, 2020 to 3O:^
June, 2020) of fina n cial yeat 2O2O-21.
2 This issues with the approval of competent authority
rI r./'-
'
(Ralelh Pahwarl
Dv. Djrector (NS)
Tele 0i123093170
To,
1. FS & Secretary (Depanment of Revenue), North 8lock, New Delhi.
2. The Secretary, Department of Economic Affairs, North Block, New Delhr.
3. The S€cretary, Department of Financial Service5, Jeevan Deep Building,
Parliament Street, New Delhi.
4. lhe Sec.etary, Department of Expenditure, North Block, New Delhi.
5. The Secretary, Department.of Posts, Dak thawan, New Delhi.
6. The HoO, National Savings tnstitute, New Delhi.
7- The Chief General Manager, Department of Govt. & Bank Accounts, Reserve
Bank of lndia, Central Office, Mumbai.
8. Reserve Bank of lndia, Central Account Section. Additional Office Section, East
High Coun Road, Nagpur - 440 OO1.
9. Chief Secreta.ies oI StatefUT Governments.
Welcome to eoffice Solution
7 t312020
SB Order 2512020
No 113-03/2017-SB(Pt.1)
e.F.
Govt. of India
Department of Posts
(FS Division)
Dated: 03.07.2020
To,
Al1 Head of Circles,{Regions
schemes - reg'
Subject: Relaxation guidelines in small savings
Madam/Sir,
Theundersignedisdirectedtoinformthat,vide0.M.no.l4l6/2020-NSdated
and
O:.O7.2O2O theMoF (DEA) has taken decision to further extend the various relaxations
has relaxed some regulatory provisions q to 31'07 '2020 in
the statutory provisions of the
small savings schemei in viiw of ongoing COVID-19 pandemic situation in the country.
2. The relaxation guidelines are as under: -
a.ThesubscribersofRDaccountmaydeposittheinstallmentsofMarch,April,
MayarrdJune,2020intheirRDaccounttill3l.0.T.2o2oandnorevivalfeeshall
be charged.
1981 or
b. If the account is to be continued as per paragraph 7(2) of RD Scheme'
paragraph 6(2) ofRD scheme, 2019 the same shall be done by the depositor
till
it.o7 .zozo by submitting the pending monthly installments in such case'
no
2020'
default fee shall be charged for the period of March, April' May and June
c.ThesubscribersofRDaccountwhocouldnotdeposittheadvanceinstallments
the same t1p
to get the benefit ofrebate during the lockdown period may deposit
,oit.ol .zozo. The rebate admissible as per the scheme provision will be
available at the time of deposit of advance installments'
prescribed form for
d. The subscribers ofPPF and SCSS accounts may submit the
whose deadline for submitting the extension form is due in lockdown
id by
with one-year grace period after maturity, through registered email
"xt"n.ion,
31.0't.2020 and original copy of the same shall be submitted
to the concemed
operating agency once the lock down is completely lifted'
from one account
e, tio t unJ"if"" .hull b. charged in case of transfer of account
office to another till 31 .07 .2020 for the purpose of maturity of account'
f. Sukanya Samriddhi Account may be opened in the name of girl child on
or
the period of
before 3t.02.2020 who have attained the age of 10 years during
lock down i.e.25.03.2020 to 30.06 2020'
g. may make a single deposit each in account(s) as the case
- PPF/SSA subscribers subject to the condition of maximum
-uy b" for FY 2019-20 till 31.07 2020
deiosit ceiling prescribed in the PPF/SSA scheme provisions and
other
"o,ditio.',asm.ntionedinMoFsletterno.l4l6/2020-NSdatedll'04.2020/58
Order 1612020 dated 11.04.2020'
3. Accordingly necessary amendments are being made

in Finacle Non-CBS Post Offices
should also take necessary action accordingly'
1t2
httpsJ/indiapost.eoffice.gov.in/eFile/?x=rWWngUGoV6ESUlf2STHyVWrlb0c2Di6xTmzqgSxqD2-N,o3icRdtk8nUULxbsQDncKsqgGrooS#no-ba.,'
71312020
Welcome to eOffice Solution
4. It is requested to circulate it to all concerned for information and necessary action.

The
same may also be placed on the notice boards ofthe post Offices in public
area.
This issues with the approval of Competent Authority.
Yours Faithfully,
C€"b
(R C Phogat )
Copy to:-
1. Sr. PPS to Secretary @osts)/pS to Director General postal Services.

2. PPS/ PS to Addl. DG (co-ordination)/Member (Banking)/ Member (o)/ Member
(P)/ Member (Planning & HRD)/ Member (pLI)/ Member (Tech)
3. Addl. Director General, APS, New Delhi.
5. chief General Manager, BD Directorate / parcer Directorate i pLI Directorate
6. Sr. DDG (Vigilance) & CVO) / Sr. DDG (pAF)/ Director, RAKNPA
7. Secretary, Postal Services Board/ All Deputy Directors General/GM. CEpT
8. Director General p & T (Audit), Civil Lines, New Delhi
9. Directors of all PTCs
10. A11 General Managers (Finance) / Directors postal Accounts / DDAP
1 1 . Chief Engineer (Civil), Postal Directorate
12. All Sections ofPostal Directorate

14. GM, CEPT for uploading the order on the India post website.
16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay
Marg, New
Delhi- 1i0002
17. Guard File
18. Spare copies.
hftps://indiapost eoffice gov in/eFile/?x=rwwnguGov6ESUlf2STHyvwtrtboc2Di6xTmzqgsxqD2-M03icRdtkSnuuLxbsQDncKsqgcrooS#no-ba

2t2
123784120201F5-DoP
F.No.14l6/2020-NS
Ministry of Finance
Department of Economic Affairs
(Budget Division)
North Block, New Delhi

Dated:01't July, 2020
OFFICE MEMORANDUM
Subject: Relexation provlsions in Small Savings Schemes -reg'
The undersigned is directed to refer to this Department's oM no 14/6/2020-Ns

cited
dated 30.3.2020 & 11.04-2020 and 14l1/2020-NS dated 11'5 2020 regarding above
up to
subject and to say that it has been decided to further extend the various relaxations
Schemes in view of the ongoing
31.07.2020 in the statutory provisions of the Small Savings
pandemic situation
2.ThedetailsoftherelaxedprovisionsintheSmallsavinBsschemesaregiven
here u nde r:
The subscribers of RD account may deposit the instalment of March' April'

May
and .lune, 2020 in their RD account till 31.07 2020 and no revival
fee shall be
charged.
lf the account is to be continued as per paragraph 7(2) of RD Scheme' 1981 or

paragraph 5(2) of RD Scheme, 2019, the same shall be done by the depositor till
3!.O7 -2OZO by submitting the pending monthly installments' ln such case' no
default fee shall be charged for the period of March, April, May and lune, 2020'
The subscribers of RD account who could not deposited the advance instalments
'
to the benefit of rebate during the lock down period may deposit the same
Bet
upto lf.oz.zOzO. The rebate admissible as per the scheme provisions will be
available at the time of deposit of advance instalments'
The subscribes of PPF and 5C55 aicounts may submit the prescribed form for
extension, whose deadline for submitting the extension form is due in lockdown
with one year grace period after maturity, through registered e-mail id
by 31.07.2020 and original copy of the same shall be submitted to the concerned
operating agency once the lock down is completely lifted'
No transfer fee shall be charged in case of transfer of account from one account
office to another till 31'07.2020 for the purpose of maturity of account'
123784/2020/FS-DoP
Sukanya Samriddhi Account may be opened

in the name of girl child on or
vi. of 10 Vears during the period of lock
before 31.07.2020 who have attained the age
down i.e. 25.03.2020 to 30 06'2020'
vii. PPF/ssAsubscribersmaymakeasingledepositeachinaccount(s}openedinhis
name of mino(s)' as the case may be
own name and/or account(s) openeJin the
of maximum deposit ceilings
for FY 2019-20 till 31.7.2020 suliect to the condition
other conditions as mentioned
prescr',bed in the PPF/SSA sct'eme p'ouisions and
in tUof's letter no. 14l6/2020-NS dated 11'4'2020
These issues with the approval of competent

authority'
2.
Director
Tele - fla
To,
1 Ministry of Communication & lT

Department of Posts
[Shri. Pawan Kumar Singh, DDG(FS)]
Dak Bhawan, New Delhi-110001'
2. Regional Director (Sr.)

National Savings lnstitute'
S.B. Order 2612020
e.F.No. I l6-06/2019-SB
Governmcnt of I ndia
Departmcnt of Posts
(F.S. Division)
Dated :- 21 /07 /2020
To,
All Head ol C ircles/Regions,
Subiect;- ll.egarding discontin uation of ACG- l7 taking from SAS/MPKBY agents for comm ission
payment at the time of acceptance of business in CBS Post Offices.
Sir/Madarn.
The DEA./MOF has accepted the proposal to discontinue ACG- I 7 taking from SAS/MPKBY
agents for commission payment at the tirne of acceptance of business vide O.M. no. l418/201 9-NS (Part
l) dated 17.07.2020.
Accordingly POSB CIIS Manual rule 138 to 140 should be rcplaced with below text:-
138. GENERAL:-From the day, any post office migrated to Core Banking Solution (CBS) software, the
payment of commission to agents will be made by automatic credit into savings account of the agent
linked with his/her agent lD in CBS software at the time of opening of account or deposit in RD
accounts opened through agent.
139 (1) An agent who canvasses for a TD/MISNSC/KVP account will grant a receipt from AAR Book
to the depositor for the money collected. He will get his name and authority number noted by the
depositor under the relevant field in the Accounl Opening Form (AOF).
The agent shall note his authority number and number ofhis copy ofthe receipt of AAR Book at
the top of the pay-in-slip. The application form duly signed by the depositor, pay-in-slip, agent's receipt
book containing duplicale copy or counter foil ofthe receipt and money will be presented by the agent at
the post office for opening an account in the name ofthe depositor.
(2) The deposit tendered by the agent beyond the prescribed period (viz 10 days) will not be accepted by
the post office. If the amount of inyestment is presented al the post ofl'ice on a date later than the date
borne on the application for opening the account, the agent should make the following endorsement.
"Presented at the post office oD ..............r under his dated signature on the apPlication for opening the
account.
(3) The Counter PA of Head/Sub Post Offices will ensure that while opening the account submitted by
agent, shall select Agenl ID frorn the drop down list of agents whose name and agency number is written
in the Account Opening form. The Supervisor will verify the entry in Finacle CBS application while
verifying the account opening. Comrnission at the rate prescribed from time to time shall be credited into
linked savings account ofthe agenl.
(4) The MPKBY agents should submit the pass books, the amount of deposit (both cash, DoP Cheque.
Bank cheque) and a single pay-in-slip (agency no and agent name to be mentioned on pay in slip) along
with the Agent schedule (LOT) generated ftom Agent Portal. Two copies ofAgent LOT are to be taken
from the agent along with pay-in-slip. One copy of Agent LOT will be returned to Agent duly
acknowledged receipt and second copy ofAgent schedule (LOT) should be attached with pay-in-slip and
placed at the end of RD vouched bundle and send to SBCO ofthe concerned HO. The agents will submit
the schedule (LOT) of deposits separately for deposits in cash, DoP Cheque, Bank cheque duly
signature.
(5) At the close of the day, So or Ho shall generate a report on commission paid to agents agency wise
from the Finacle cBS Application using HFINRpT rnenu sos will send this riport to fro aoig witl se
return and HO rvill send the same to Account Branch.
Note l: -The commission on subsequent deposits in RD will be paid to those agents through whom the
accounts were opened. The other agents cannot make subsequent deposits in these accounts which were
not opened through them.
Note 2:-The SAS agents will produce the receipt book containing the agent's copy of the counterfoil at
the post office at the time of depositing money for investment under any scheme ior further acrion by the
post oflice as at present. 'I'here is no change in this procedure. The Counter Assistant will check the
continuity ofthe receipts issued in the receipt book to ensure that there is no break in the receipts issued.
Note 3:-The particulars ol post oflices with which the agents are authorized to transact business are
recorded in the Certitlcate of Authority of the agent. The agent can deposit money at these post offices
only. For the purpose ol drawl of receipt books, the agent will be aftached to only on. particular post
office a-s at presenl. There is no change in this procedure.
Note 4:-Consequent to inlroduction of new procedure for payment of commission to agents at sources,
there is no change in the existing procedure regarding supply of Receipt Books to thiese agents. The
counterfoil of the receipt duly singed by the depositor in lieu of having received the pasi book or
certificate will be retained by the agent with his own copy in the receipt book. The liability ofdelivering
pass books or certificates to the depositors is ofthe agent. If any compiaint from the depositor
about non-
receipt of the pass book or certificate is received, this should be brought to the notice of the concemed
Regional Director, National Savings for taking approp ate acrion againit the authorized agent.
Note 5iNo commission is payable to agents if a Time Deposit account is extended undei provisions of
Sub Rule (2) Rule 6 ofNSTD Rules 20t9.
Note 6-:-No commission will be payable to agent if the investment in any scheme is not permissible
under the relevant rules. Ifpaid, it will be recovered ftom the agent.
Note 7:- No commission will be paid on the investments received through agents where Agent Receipt
Book number issued to the cusromer is not noted on the pay-in-slip copy of tne Agent Rec-eipt Book is
not presented along with investment for signature and date stamping by the counter pa. alt such
inveslments will be treated as direct investmenls.
Note 8 ;- TDS shall be deducted on commission paid by the system as per rates prescribed by Income
Tax Department.
140. Procedure to be followed by the Account Branch at HO
(l) The Account Branch will receive daily from the SB Branch the schedules ofcommission paid to
the agents separately lor each scheme. The Account Branch will carry out the following checks:-
(i) The official ofthe Accounr Branch will compare the amount olcommission pJd as shown in in
the schedule with amount shown in relevant GL code in CSI .
(ii) The official concemed will put his dated signature at the bottom ofthe schedule in token of
having carried out rhe above check.
(2) After necessary checks the schedules ofcommission paid along will be sent to the postal
Accounts office on monthly basis after the close ofthe month in the fiist week ofeach following
month.
3. lt is requested to circulate these amendments to all concerned for information and guidance
and
necessary action.
{' Non-CuS Post Ollice post oftices rvill continue to follorv existing procedure as prescribed in poSB
Manual Volume I Chapter 8.
5. This issues with the approval ofCompetent Authority

-ffi*-,
(Devendra Sharma)
Copy to:-

(Planning & HRD)/ Member (PLl)/ Member (Tech).
9. Director Ceneral P & T (Audit), Civil Lines, New Delhi
I l. All General Managers (Finance) / Directors Postal Accounts / DDAP
li. All Sections ofPostal Directomte
16. MOF(DEA). NS-ll, Nofth B]ock, New Delhi.
17. Joint Director & HOD, ICCW Building,4 Deendayal tJpadhyay Marg, New Delhi-l 10002
18. Guard File
19. Spare copies.
S.B. Order 2712020
e.F.No. FS-13-01/2 020-FS
Government of India
Department ofPosts
(FS Division)
Dak Bhawan,
New Delhi-l10001
Dated :- 2310712020
To,
Subiect:- Regarding extension of MIS/SCSS/K\?/NSC/PPF schemes up to GDS Branch

Post Office level through cheque.
Sir/Madam,
The references have been received in this offige from time to time to provide MIS/SCSS/
NSC/KVP/PPF schemes in GDS Branch Post of}ices. The matter has been examined in detail
in the light of Rule 3 (a) of "Government Savings promotion General Rules-201g" and the
competent authority has accordingly decided to allow account opening for MIS/scss/
KVP/tJSC/PPF schemes in GDS Branch Post OfIces.
2. However, the process for necessary modification in RICT cBS application,/Finacle may take
time. So, in order to facilitate rural customers to open account under these schemes at the GDS
Branch Post Offices. the fbllowins suidelines are issued fbr further necessarv ion. till the
Drovlsrons are made available in DARPAN (RICI CBS Ann lication/Finacle.
i) Opening of MIS/SCSS,tJSC/KVP/PPF account of any amounr subject to minimum/

maximum limit, ifany under each scheme and subsequent deposit in ppF account can be done
at GDS Branch Post Offices through Cheque only (POSB Cheque/Bank Cheque).
ii) The process defined for acceptance ofcheque and account opening through cheque in GDS
Branch Post Offices vide SB Order 2212020 dated 18.06.2020 should be followed.
iii) For opening of MIS/SCSS account in CDS Branch Post Office, the rronthly/quafterly
interest will be paid through respective customer's Po Savings Account only. Likewise, in case
of loan/withdrawal in PPF account, the same will be paid through respective customer,s pO
Savings Account only.
iv) Respective account office will ensure the eligibility conditions/applicable limit ofthe
schemes.
v) In case, form l5G/15H is submitted by SCSS depositor at GDS Branch post Office, the GDS
Branch Post Office will send the same to respective account office duly entered in BO Joumal
and BO Daily account on the same day.
vi) Account Office will ensure updation ofForm l5G/15H on the day ofreceipt in Finacle.
3. It is requested to circulate these amendments to all concerned (including GDS Branch Post
Olfices) for information and guidance and necessary action.
,1. This issues with the approval of Competent Authority

,,"ffiilK,*
Copy to:-
2. PS to Director General Postal Services'
PPS/ PS to Addl. DG (Co-ordination)/Member

(Banking)i Member (O)/ Member (P)/
3.
Member (Planning & HRD)/ Member (PLI)/ Member (Tech)'

/ PLI Directorate
6. Chief General Manager, BD Directorate i Parcel Directorate
Sr' Deputy Director General (PAF)
7. Sr. Deputy Director General (Vigilance) & CVO) /
9. Director General P & T (Audit), Civil Lines' New Delhi
10. Sesretary, Postal Services Board/ Alt Deputy Directors General
General Managers (Finance) / Directors Postal Accounts

/ DDAP
11. All
rz. Chief Engineer (Civil), Postal Directorate
t+. All recognized Federations / Unions/ Associations

website'
15. GM, CEPT for uploading the order on the lndia Post
16. MOF (DEA), NS-ll, North Block, New Delhi'

Delhi-
17. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New
1 10002
18. Guard File
19. Spare copies.

S.B. Order 28/2020
e.F.No. 114 -200 -sB -I
Government of India
Department of Posts
(F.S. Division)
Dak Bhawan. New Delhi-l10001
Dated: - 1010812020
To,
Subiecj!: Regarding amendment in SB-5 and SB-5A passbooks used in CBS and non CBS
Post Offices.
Sir/Madam.
In continuation of SB Order 10/2017 dated 17 .08.2017 by which two type of passbooks

were introduced i.e. SB-5 for SB/RD,MIS/SCSS/PPF/SSA and SB-5A for TDNSC/KVP.
2. It has come to the notice of the Postat Directorate that many Circles are not using SB-5A
passbooks for TDNSC/KVP. Further, in the light of Rule 1 8 of "Govemment Savings
Promotion General Rules 2018" and to avoid wastage ol papers, the competent authority has
accordingly decided to discontinue the printing of 12 pages salient features of various Small
Savings Schemes in the passbooks.
3. Henceforth, the printing ofpassbook is to be done in the following manner:
A. SB-5 For SB/RD/Ir4IS/SCSS/PPFiSSA: - 12 pages + Cover page.

(First page for printing of account information, 2nd to 11th page for printing of transactions and
l2'h page will remain blank for entering closure/extension/pledge details etc.)
B. SB-5A For ll2l3l5 yr. TD/KVPNSC: - 4 pages + Cover page.

(First page for printing of account information. 2nd to 3'd page for printing of transactior/interest
entry and 4th page will remain blank for entering closure/extension/pledge details etc.)
C. Additional details
i) Specification for Cover page will be same as being used currently.
ii) Inside of cover page General Instruction to be printed in English/Hindi, Regional
Language same as being currently done.
iii) Below General lnstruction following line to be printed:-
Salient features ofNational Savings Schemes/Small Savings Schemes is available at
https://*rrrv.indiapost.gov.in/Financial/Pages/Content/Post-OfIice-Saving-Schemes.aspx
and details are available at https://www.indiapost,gov.in/VAS/Pages/RTVRTI- Manual-S.aspx
iv) Other specification (i.e. size, paper, thread) will remains same as being used in
existing passbooks.
4. It is requested to circulate these amendments to all concemed for information and guidance
-rrautc
5. This issues with the approval of Competent Authority. ffiruro
(Devendra Sharma)
Copy to:-
3. PPS/ PS to Addl. DG (co-ordination)/r4ember (Banking)/ Member (o)/ Member (p)/

Member (Planning & HRD)/ Member (pLI)/ Member (Tech).
6. chief General Manager, BD Directorate / parcel Directorate / pLI Directorate

7. Sr. Deputy Director General (vigilance) & cvo) / Sr. Deputy Director General (pAF)
8. Director, RAKNPA / GM, CEpT / Directors of all pTCs

11. All General Managers (Finance) / Directors postal Accounts / DDAp
t2. Chief Engineer (Civil), Postal Directorate
13. Al[ Sections ofPostal Directorate
16. MOF (DEA), NS-n, North Block, New Delhi.
17. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-
I 10002
18. Guard File
t9. Spare copies.

S.B. Order 2912020
e.F.No. 25-08/2012-FS(C (Pr-l)
Government of India
Department ofPosts
(FS Division)
Dak Bhawan, New Delhi-l10001
llated: - 19108/2020
To,
Subiect: - Regarding incorporation ofAadhaar Seeding facility in withdrawal form (SB-7) and
pay in slip (SB-103).
Sir/Madam,
In order Io facilitate POSB customers to avail Direct Benefit Transfer (DBT) benefit payments
through their Post Office Savings Account,the competent authority has decided to incorporate Aadhaar
Seeding column in Withdrawal Form (SB-7) and Pay-in-Slip (SB-103).
2.A rubber stamp "Note:- y Aadhaar No. .,......,......mav be seeded with mv

POSB Account for availins DBT benefits." (en closed prescribed form)"may be used for existing SB-7
and SB-103 forms to make depositors aware abo ut availability of Aadhaar Seeding facility for their pO
Savings Account. They may also be instructed to update the Mobile Number in the CIF during the
transaction process.
3.lt is requested to circulate these amendments to all concemedfor information, guidance and
necessary action.
4.This issu€s with the approval ofCompetent Authority.
f,nclosed:-Revised SB-7 & SB-103 (English & Hindi) 9_

^.,,
ffioq\''n'n
(Devendrd Sharma)
Copy to:-
l.Sr. PPS to Secretary (Posts)

2.PS to Director General Postal Services.
3.PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (p)/ Member
(PIanning & HRD)/ Member (PLl)/ Member (Tech).
4.Addl. Director General, APS, New Delhi
5.Additional Secretary & Financial Adviser
6.Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
7.Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General (pAF)
S.Director, RAKNPA / GM, CEPT / Directors of all PTCs
9.Director General P & T (Audit), Civil Lines, New Delhi
l0.Secretary, Postal Services Board/ All Deputy Directors General
I l.All General Managers (Finance) / Directors Postal Accounts / DDAP
I 2.Chief Engineer (Civil), Postal Directorate
l3.All Sections of Postal Directorate
l4.All recognized Federations / Unions/ Associations
l5.GM, CEPT for uploading the order on the lndia Post website.
l6.MOF (DEA), NS-ll, North Block, New Delhi.
l T.Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-l10002
l S.Guard File
l9.Spare copies.
WITHDRAWAL FORM (SB-7)
Application Side(To be filled by depositor) PAYMENT ORDER(For office use only)
Type of Account : SB TD MIS SCSS NSS, Others……….
Account No.
Pay ₹……………………………(In figures) Rupees
NATURE OF PAYMENT :- Interest Withdrawal …………………………………………………………………………………………….(in words)
Please pay to me / messenger (whose name and signatures are given below) the sum
of ₹………………………………………………(In figures) ₹ …………………………………………………………
(In words).
Balance after withdrawal₹--------------------------------------------(in figures) Date Stamp Signature of Postmaster
ACQUITTANCE (to be filled by depositor/messenger)
Received₹……………………………(In figures) Rupees
Name of Messenger ………………………………………………………………….. ………………………………………………………………………….. (in words).
Signature of Messenger ……………………………………………………………
Signature or thumb impression of account holder(s)

(Required only if payment is required through messenger)
Note:- Aadhaar Seeding required for availing DBT benefits in POSB A/C
Date:- Signature or thumb impression of account holder
(enclosed prescribed form)
/guardian /messenger guardian
Mobile No. …………………………………… PAN No. …………………………….(if applicable)

Initial of PA Initial of APM/SPM
Attested By________________________________________(Name & Address)
Note:- Please submit passbook along with this form.
fudklh QkWeZ (SB-7)
vkosnu i{k (tekdrkZ }kjk Hkjk tk;s) Hkqxrku vkns’k (dsoy dk;kZy; mi;ksx ds fy,)
fnukad
Mkd?kjdkuke…………………………………………. fnukad
ysunsu dzekad …………………………………
[kkrs dk izdkj (lacaf/kr Js.kh dk p;u djs)a : SB TD MIS SCSS NSS vU;---------------------------- jkf’k₹……………………………(vadks aes)a
[kkrk la[;k ₹…………………………………………………………………………………………….(’kCnksa es)a dk
Hkqxrku djsa A
Hkqxrku dh izd`fr %& C;kt fudklh
dì;k eq>s ;k lan’s kokgd(ftudk uke vkSj gLrk{kj uhps fn;s x;s gS) ₹ ……………………
(vadksea s)a ……………………………………………………………………………………..(‘’kCnksea s)a
jkf’k dk Hkqxrku djsa A rkjh[k eksgj Mkdiky ds gLrk{kj
[kkrk/kkjd(dks)a @laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku fuLrkj.k i= ( tekdrkZ @lUns’kokgd }kjk Hkjk tk;s)
lUns’kokgd ds gLrk{kj-------------------------------------------------------------------
lUns’kokgd dk uke -----------------------------------------------------------------------
------------------------------------------------- vadksesa ---------------------------------------------------------------------------------------------------------------
--------’kCnksaes: a i;sizkIrfd;s A
[kkrk/kkjd(dks) ds gLrk{kj ;k vaxwBs dk fu’kku
( ;fn Hkqxrku lUns’kokgd ds ek/;e ls izkIr fd;k tk jgk gks)a
lR;kfir …………………………………………………………………………………………….(uke ,oa irk)
(vxwBk fu’kku dh fLFkrh esa) fnukad:- [kkrk/kkjd(dks)a @laj{kd@lUns’kokgd ds gLrk{kj ;k vaxwBs dk fu’kku
uksV%& cpr [kkrs esa DBT lacaf/kr ykHk izkIr djus ds fy, vk/kkj lhfMax pkfg,
(fu/kkZfjr QkWeZ layXu djs)a eksckby la[;k. …………………………………… PAN la[;k ]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]](;fn vko’;d gks)
lR;kfir …………………………………………………………………………………………….(uke ,oa irk)
Mkdlgk;d ds izk{kj Mkdiky ds izk{kj (vxwBk fu’kku dh fLFkrh esa)
uksV %&dì;k bl QkWeZ ds lkFk ikl cqd izLrqr djsa A
Pay in Slip (SB-103)
Account Number
Pay into the credit of Mr./Mrs./Ms. ............................................................................................................................
Pay into the credit of Mr./Mrs./Ms. : .................................................. Rupees (in words): …………………………………………………………….………………………………………..………………………………………….
Rupees (Inwords)…………………………………………………………………………..
by Cash/DD/Cheque No…………..…………………………Date:………………………(subject to realization)
by Cash/DD/Cheque No……………………………………….. ₹..……….../
Date:……………………(subject to realization)
₹..……….../ Bank’s Name…………………………………………………………… Bank Branch IFS Code ................................
-
- Break up of Deposit:
Break up of Deposit: In case of RD:- for the month(s) …………………………….. rebate Amount…………..….default Amount……………………..….
In case of RD:- for the month(s) ……………………………………. In case of PPF/SSA:- for the Financial Year………………………………… default Amount …………………………………………
Rebate amount…………….Default amount ………………………. Loan Repayment……………………………………… Interest on loan ………………….
In case of PPF/SSA:- for the Financial year……………………………………..
Default amount ………………………………………… Date
Loan Repayment………………………… Interest on loan …………………. Stamp

Dated
Stamp
(prescribed form to be enclosed) Mobile No. …………………………… PAN No………………..(if required)
Initial of PA/SPM/GDS BPM Depositor Name & Address ……………………………………………………………………..
SB - Savings Account, RD- Recurring Deposit, MIS- Monthly Income Scheme, SCSS- Senior Citizen Saving Scheme, PPF- Public Provident Fund, SSA - SukanyaSamriddhiAccount,TD-Time Deposit(1/2/3/5 year), KVP-KisanVikasPatra, NSC-National Savings Certificates VIIIth Issue
tf
tekiphZ (SB-103)
Mkd?kj cpr cSad Mkd?kj cpr cSad
(tekdrkZ ds fy, ikorh)
[kkrs dk izdkj%& SB RD TD MIS SCSS PPF SSA KVP NSC ,Others…..
……………………Mkd?kj fnukad
[kkrs dk izdkj%& …….………………………………..…………Mkd?kj ysunsu la[;k :……………………………………………..
SB RD TD MIS SCSS PPF SSA KVP NSC ,Others…. [kkrk la[;k fnukad
[kkrk la[;k Jh@lqJh@Jherh ds uke iznr............................................................................................................................

:i;s (’kCnksaesa): …………………………………………………………….………………………………………..………………………………………….
Jh@lqJh@Jherh ds uke iznr..................................................
udn@fMekaM Mkª QV@psd la[;k ----------------------------------- fnukad -------------------------------------------(lek’kks/ku gksus ij)-
:i;s (’kCnksa es)a :…………………………………………………………………………….. ₹..……….../
udn@fMekaM Mkª QV@psdla[;k……………………………………. cSad dk uke ……………………………………………………………’kk[kk dk uke IFS Code ................................
fnukad:…………………………………… (lek’kks/kugksuis j) tekdkC;kSjk:
-
cSad dk uke IFSC Code:…………………………………………………. RD[kkrs dh fLFkfresa:-efguksa ds fy,……………………fjcsV dh jkf’k…………..….fMQkYV dh jkf’k……………………..….
tek dk C;kSjk: PPF/SSA [kkrs dh fLFkfresa:-foRro"kZ ds fy, …………………………………fMQkYV dh jkf’k…………………………-
RD [kkrs dh fLFkfr es:a -efguksa ds fy,……………………………………. _.k iquHkqZxrku……………………………………… _.k ij C;kt ………………….
fjcsV dh jkf’k…………….fMQkYV dh jkf’k……………………….
PPF/SSA [kkrs dh fLFkfr es:a -foRro"kZ ds fy, …………………………………….. rkjh[k eksgj
fMQkYV dh jkf’k…………………………………………
_.k iquHkqZxrku……………………………………… _.k ij C;kt ………………….
Mk-l-@m-Mk-ik-@xzk-Mk-ls- ’kk-Mk-ik- ds izk{kj tekdrkZ ds gLrk{kj
uksV%& cpr [kkrs esa DBT lacaf/kr ykHk izkIr djus ds fy, vk/kkj lhfMax pkfg, (fu/kkZfjr QkWeZ layXu djs)a
eksckbZy l[;k ……………………………… PAN la[;k ]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]] (;fn vko’;d gks)
Mk-l-@m-Mk-ik-@xzk-Mk-ls- ’kk-Mk-ik- ds izk{kj
tekdrkZdkuke ,o irk …………………………………………………………………….. ……
SB -cor [kkrk, RD-vkorhtek, MIS- ekfldvk; ;kstuk, SCSS-ofj"Bukxfjdcpr ;kstuk, PPF- yksdHkfo"; fuf/k, SSA –lqdU;kle`f} ;kstuk,TD-lkof/k tek(1/2/3/5 year), KVP-fdlkufodkl i=, NSC-jkf"V`; cpr i= VIIIthfuxZe
e.F.No. 61/5/2020-FS
Government of India
Minishy of Communications
Department of Posts
Dak Bhawan, New Delhi- 1 10001

Dated :- 28/0812020
To.
All Head of Circles-
Subiect:- Regarding clarification on issuance ofduplicate ce(ificates (KVPA{SC).
Sir/Madam.
This office is receipt of many references/representations regarding various doubts in

respect of issuance of duplicate certificates (KVPA{SC).
The matter has been examined in this offrce in the light of rule 18 of the Govemment
Savings Promotion General Rules 2018 and I am directed to say that the following procedure
should to be adopted for issuance ofduplicate certificate (KVPAISC).
(A) Pre-printed certificates issued before 01.07.2016 :- For issue of duplicate cefiificates
(NSC/KVP), the procedure prescribed in Rule 160 of POSB(CBS) Manual/Rule 43 and 44 of
POSB Manual Volume II should be followed (taking of indemnity bond) after receipt
of payment of fee prescribed in "GSPR-2018 Schedule II" for issue of Passbook in lieu of lost
or mutilated certificates per registration (circulated vide SB Order 312020 dated 10.01.2020
and its addendum dated 03.03.2020).
After issue of sanction by Postmaster of HO, the duplicate passbook is to be issued and
details of old certificates are to be entered manually in the passbook under dated signatures with
designation stamp of Postmaster.
(B) Certificates(KVP/NSC ) iss ued on or after 01.07.2016 in the shape of Passbook:- The
procedure prescribed for issuance of duplicate passbook in Rule 45 of POSB(CBS) Manual/Rule
68 of POSB Manual Volume I should be followed after receipt of payment of fee prescribed in
"GSPR-2018 Schedule II" for issue of duplicate passbook (circulated vide SB Ofier 0312020
dated 10.01 .20 and its addendum dated 03.03.2020)..
This issues with the approval ofcompetent authority.
ffizozo
(Devendra Sharma)
Copy to:-
1. Sr. PPS to SecretarY (Posts)

3. pps/ PS to Addt. DG (co-ordination)/Member (Banking)/ Member (o)/ Member (P)/
Member (Planning & HRD)/ Member (PLI)/ Member (Tech)'
4. Addl. Director General, AI']S, New Delhi
6. chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate

7. sr. Deputy Director General (Vigilance) & cvo) / Sr. Deputy Director General (PAF)
8, Director, RAKNPA / GM, CEPT / Directors of all PTCs
tt. All General Managers (Finance) / Directors Postal Accounts / DDAP
12. ChielEngineer (Civil), Postal Directorate

15. GM, CEPT for uploading the order on the India Post website'
16. MOF (DEA), NS-II, North Block. New Delhi.
17. .Toint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-
1 10002
18. Guard File
19. Spare copies.

SB Order No. 3ll2020
e.F.No.l 13-02/2019-SB
Government oflndia
Department of Posts
Dak Bhawan. Sansad Marg,

New Delhi-110001
Date: 28.08.2020
To,
All Heads of CirclesiRegions
of POSB (CBS) Manual and-Rule 87 of POSB Manual Volume

I
EU.bigg!:- Amendments to Rule 60 Manual Volume Il regarding
and deletion of Rule 165 of POSB(CBS) Manuat and
Rule 50 of POSB
of N"tio.)iisruill Savings Schemes accounts/cerrificates (all schemes) in
;;;;;;;;i;. "mounr
the name of deceased dePositor.
Sir / Madam,
TostreamlinetheprocessforsettlementofdeceasedclaimcasesinrespectofNational(Small)
."ttt"."ni of deceased claim quickly and smoothly, the competent authority
has
Savinss Schemes und
;;;;.i;il;;;;Jio u*.na the text of the aforesaid rules with immediate effect'
2. The process for settlement of deceased claim case
in respect of accounts and certificates has
combined in Rule 60 of POSB M";;;l and Rule 87 of PoSB Manual Volume l' as such Rule 165
(;il;
(CBS) Manual and Rule 50 of
posB Manual Volume II is deleted to avoid duplicacy.
.i-i;oss
3.TherevisedtextforRule60ofPosB(CBS)ManualandRule8TofPOSBManualVolumeI
necessary action'
is enclosed for information, guidance and further
4.ItisrequestedthatthissBordermaybecirculatedtoallconcernedincludingCBS/non-CBS not yet
post offices. In case where not yei submitted or claims are already submitted but
"l;i,".;
,anctioned, these revised provisions should be made applicable'
This issues with the approval of competent autlority'
Enclosed: - As above.
,,"I"ffir"'
Copy to:-
l. Sr. PPS to Secretary (Posts)
3. (Banking/ Member (O)/ Member @/ Member

PPS/ PS to Addt. DG (Co-ordination)/\'tember
(Planning & HRD)/ Member (PL!/ Member (Tech/AS & FA

6. Sr. Deputy Director General (Vigilance) & CVO) / Sr' Deputy Director General (PAF)
1 l. ChiefEngineer (Civil), Postal Directorate

14. CM, CEPT for uploading the order on the India Post website'
15. MOF (DEA), NS-II, North Block, New Delhi'

Marg' New Delhi-l10002
16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay
17. Guard File
18. Spare coPies.

IlLrle 60 ot'I'OSB (tltsS) Manual antl Rule 87 of POSB N4anual Volume I
F:rvment of th€ Amount of Nationrl (Small) Savi ngs Schemcs Accounts/Ce(ificates in the Name of
Deccased Derrositor(s)
(l) Basis of Settlement of claims :- The claim to the amount of National (Small) Savings
Schemes Accounts/Certificates standing in the name of deceased depositor(s) may be made on
the basis of:-
(a) Nomination
(b) Legal evidence
(c) Without the production of legal evidence at the discretion of sanctioning authority up to the
limit fixed by Ministry of Finance which is Rs. 5,00,000i- at present.
If the claim exceeds the prescribed limit which is now Rs. 5,00,000i-, the claimant should be
advised to obtain a succession certificate from a competent court of law.
!g!q!:-The prescribed limit shall be applicable to each Account/Registration Number in case of

Certifi cate separately.
Note 2:-When a minor/ person ofunsound mind on whose behalfa guardian has opened
an accounl/certificate dies and no nomination made in that account, the eligible amount shall be
paid to the guardian on submitting claim along with death certificate ofthe minor.
(2) Account/Certilicate in respect of which nomination exists.
(i) In case the deceased depositor of the National (Smalt) Savings Scheme has made a nomination
and registered the same with the Post Office and in force at the time of death ofthe depositor, the
nominee/nominees of the deceased depositor are entitled to receive the amount at credit of the
deceased depositor immediately after the death, irrespective of the amount, without production of
legal evidence.
(ii) The nominee/nominees may make an application in prescribed Form (in duplicate) to the Post
Office where account stands along with the proof of death of the depositor in original and
passbook/certificates. lf a claimant is not able to hand over original death certificate/proof of
death, the Postal Authority receiving claim can accept photo copy ofthe same by comparing with
original. ln such a case, that authority should write on the photocopy "Compared with original
and found correct" under dated signatures and designation stamp.
(iii) Where there are more than one nominee, if any nominee(s) has also died, the proof of death
of such nominee in original should also be submitted along with claim application form.
(iv) If there are two or more surviving nominees, the eligible balance shall be paid in the
proportion as specified by the depositor while making the nomination, and if no such proportion
or share is specified, then in equal proportion to all the surviving nominees to be paid. On the
death ofthe last surviving nominee or the sole nominee, the claim in respect ofthe account
will be settled in favour of the legal heir of the last deceased nominee and not in favour of
the LEGAL heir of the deceased depositor.
(v) If any nominee dies, his specified share in the eligible balance shall be distributed among the
surviving nominees in the same proportion as their specified shares.
(vi) Where the nominee is a minor, the payment shall be made to a person appointed by the
depositor to receive such payment and, if no such person has been appointed, palment to be made
to the guardian ofthe minor.
(vii) The claim should be submitted in the Post Office where accounl,/certificate stands. If the
claim is submitted at any oth€r post office, the GDS BPM/SPM/PM/Sr. PM/CPM/Director should
accept the claim application form along with documents and after accepting witnesses, forward
the case along with all documents to the post office where account stands by Service Insured Post
on the day of its receipt.
(viii) On receipt of the claim form at the post office where account stands, the Postmaster will
veriS the following:-
a. Name ofdepositor in Finacle/Sanchay Post with Passbook/Certificate and in
death certificate.
b. Details of nomination in Finacle/Sanchay PostNomination Register.
c. Balance available in Passbook/Certificate with Finacle/Sanchay Post.
d. Verif) any Court order/Tax authority,/Freeze/Pledge/objection is not pending against that
Account/Certificate.
e. The nominee(s) should be satisfactorily identified by taking lD proof and address proof.
(ix) After verification of claim in all respect as mentioned above, the concerned Postmaster shall
enter details of claim in deceased claim/nomination register and issue a sanction for payment of
the balance to the norrinee(s) on the clair.n form.
$!g:- If claim is received from other post office, claim form duly sanctioned should be sent to
that post office by Service Insured Post for taking acquittance from the claimant. The Post Office
where claim was submitted, shall obtain acquittance from claimant on the claim form and in case
of pre-printed certificates, collect original certificates with signature of the claimant and send
back the same to the Postmaster ofoffice of payment by Service Insured Post. Once claim form
and original ceftificates (if any) is/are received back, the payment office will close
account/discharge certificates and crossed cheque should be sent to the Post Office by service
Insured Post. Details of cheque sent by insured post should be noted on the claim form. In case
the claimant desires payment into his/her POSB Account, he/she should mention POSB account
number along with copy offirst page ofpassbook in the acquittance portion ofthe claim Form. In
case claimant desires payment into his/her Bank account, he/she should mention account number,
IFSC Code, Bank Name along with copy of first page of passbook/cancelled cheque.
(when facility is made available in Finacle).
(x) No separate account closure form is required to be taken and receipt of the amount
should bc taken in the sanction issued on claim form itselfat the time ofpayment which will
be treated as account closure voucher. Photocopy or Duplicate Copy of this form should be
kept in the claim case file as office copy.
(xi) Where there is more than one surviving nominee, payment should be made to the all
nominee(s) as per their share(s) specified, after taking acquittance on sanction.
Note:- In case of exceptional circumstances where all the nominees are not in a position to
submit claim or able to attend post office jointly, they may authorize nominee(s) to
claim/take payment and the claimant nominee may submit disclaimer from other nominees
in Form 14 of GSPR-2018 along with their KYC documents. In such case, payment can be
made to the claimant nominee(s).
(xii) In case, the nominee(s) has lost the original PassbooUcertificate(s) or is otherwise not in
possession of it, he/she/they may apply for issue of Passbook/certificate(s) in his/her/their own
name after his/her claim has been admitted and sanction is issued by the competent authority. The
procedure as laid down in the relevant Rules for issue ofduplicate certificate/ passbook will apply
mutatis mutandis.
Note l:-The Postmasters of all Sub Offices/Head Office can sanction the claim of an
accounvcertificate where nomination is in force and registered in respective Post Office,
irrespective ofany limit in all National (Small) Savings Schemes.
Notc 2: - AII claims in respect of discontinued schemes will be sanctioned at respective Head
Post Office. The concerned SPM will send claim form along with document to the concerned
Head Post Office.
Note 3: -Where, Account/certificates stands in GDS Branch Post Offices and nomination exists,
the claim form along with death certificate, passbooUcertificate may be accepted by GDS BPM
and after scrutinizing/verification of the documents, the GDS BPM will send the claim
application form to concemed Account Office and the claim should be sanctioned by respective
Account Office.
Note 4:-The post office is required to give precedence to the nominee(s) over all other persons
staking claims on the amount while settling deceased claims cases and such pa).rnent to the
nominee absolves the post office from all future liability in respect of the deposit. However, if
any legal heir preferred claim on the basis of a Succession Cerlificate, Probate of Will or Letter of
Administration of the deceased estates issued by any court of law before sanctioning of claim in
favour of nortinee, clairr shall be settled in favour of Succession Certificate,/Probate of Will or
Letter of Administration holder.
Note 5:- In case nomination was made by the depositor and was in order but for any reason, Post
Office did not register the nomination; the nomination can be registered later on after verification
and approval by Divisional Superintendent.
(3) C[aims supported by legal evidence:-

(i) When a claim is received supported by legal evidence such as succession certificate under the
Indian Succession Acl, 1925 or a Probate of will or Letter of administration ofthe deceased estate
and there is no nomination, the claimant(s) will be requested to prefer claim in prescribed
Form(in duplicate) along with Original Death Certificate/Proof of Death of the deceased issued
by competent authority. If a claimant is not able to hand over original death certificate/proof of
death, the postal authority receiving claim can accept photocopy of the same by comparing with
original. In such a case, that authority should write on the photocopy "compared with original and
found correct" under dated signature and designation stamp.
(ii) The claim supported by legal evidence for account/certificate standing at Time Scale,/LSG
/HSG-ll sub post offices, the respective SPMs can sanction claim up to the limit prescribed for
sanction of claim "where no nomination exists or no legal evidence produced" in table below in
rule 4 (B).
(iii) The claim supported by legal evidence and where no nomination exists for account/certificate
standing at Time Scale/LSG /HSGJI sub post offices beyond the sanction limit of respective
SPMs, those claims will be forwarded to the Divisional Head after verifuing all particulars of
claim and Divisional Head will issue sanction for such claims irrespective ofany limit.
(iv) The claim supported by legal evidence for account/certificate standing at HSG-I Sub Post
Offices.MDGs/HO/GPO, the respective SPMs/PMs/Sr.PIvl/CPM/Director can sanction claim
irespective of any limit in such cases.
(v) All ctaim submitted in respect of discontinued schemes will be sanctioned at respective
IIPO/GPO. The concemed SPM will send the claim form along with the documents to the
concerned HO/GPO.
(vi) On receipt ofthe claim form, the Postmaster will verifo the following:-
a. Name ofdepositor in Finacle/Sanchay Post with PassbooUcertificate and in death
certificate.
b. Genuiness of legal evidence submitted.
c. Balance available in passbook/certificate with Finacle/Sanchay Post.
d.Veri! any Court order/Tax authori[/Freeze/Pledge/objection is not pending against that
account/certificate.
e. The claimant(s) should be satisfactorily identified by taking ID proofand address proof.
(vii) No separate account closure form is required to be taken and receipt of the amount
should be taken in the sanction issued on claim form itself at the time of payment which will
be treated as account closure voucher. Photocopy or Duplicate of this form should be kept
in the claim case file as office copy.
Explanation rFor the purpose of determining the sanctioning authority, the term "balance" shall
mean the balance at credit of the account of the deceased depositor on the date of death to which
interest already acciued during the preceding year.
Note 1:- ln case the claimant is unable to produce the original legal evidence in support of his
claim, he may, at his own cost, produce certified copies ofthe documents from the Public Officer
having the custody of such documents. If there is any difficulty in producing certified copies, he
may produce self aftested copies of such documents along with the originals for comparison by
the sanctioning authoriry who should pass remark on the self attested copies of such documents
that he has examined the original and found the copy to be correct.
Note 2:- If claim is received from other post office, claim form duly sanctioned should be sent
to that post o{fice by Service Insured Post for taking acquittance from the claimant. The Post
Office where claim was submitted, shall obtain acquittance from claimant on the claim form and
in case of pre-printed certificates, collect original certificates with signature of the claimant and
send back the same to the Postmaster of office of payment by Service Insured Post. Once claim
form and original certificates (if any) is/are received back, the payment office will close
the claimant desires payment into hiyher POSB Account, he/she should mention POSB account
number along with copy offirst page ofpassbook in the acquittance portion ofthe claim form. In
case claimant desires payment into hiVher Bank account, he/she should mention account number,
IFSC Code, Bank Name along with copy of first page of passbook/cancelled cheque (when
facility is made available in Finacle).
(4) Claims without Nomination / oroduction of lesal evidence:-
(A)
.an In case where no nomination exists or no legal evidence produced/available and balance
in account/certificate (purchased through single purchase application in case of old
certificates) is nor above Rs.5,00,000 and if the legal hei(s) of the depositor of an
account/certificate, want lo prefer a claim, the claimant(s) may submit claim in prescribed form
after the expiry of the six months of the death of the depositor. The following additional
formVdocuments shall be submitted for settlement of claim.
(a) Death certificate or proof of death in original,
(b) Pass Book/certificate or deposit receipt/statement of account in original,
(c) Affidavit in Form- 13,
(d) Letter of disclaimer in Form-14,
(e) Bond of Indemnity in Form-l5,
Note I :- The claim application form must be filled by the person who is entitled under the law
(vide Sections 8 and ii ofthe Hindu Succession Act, 1956, in case of persons govemed by that
ict. Mohammedan Law in case of a Muslim and Indian Succession Act, 1925 in case of
Christians and others).
Note 2:- (i) If a claimant is not able to hand over original death certificate/proof of death, the
Postal Authority receiving claim can accept photocopy of the same by comparing with original.
In such a ihut authoiity should write on the photocopy "Compared with original and found
"u.",
correct" under dated signatures and designation stamp.
(ii) Form-13/14/15 shall be submitted on non-judicial stamps ofthe required value
according to cunent Stamp Act of respective state.
liiiy A guardians'hip certificate on behalfofthe minor relatives of the deceased depositor
should be submitted if the claimant is not a guardian under the law applicable to him.
(B) The authorities mentioned below are competent to sanction claims without production of
legal evidence up to the limit noted against each after expiry ofSix (6) Months from the date of
death ofthe depositor where no nomination is in force and if no succession certificate or probate
of will or letter of administration ofthe deceased estate is produced during the period or up to the
date of sanction.
Sl.No Name of Authority limit in (Rs.)

(i) Sub-Postmasters of Time Scale Departmental SOs
Sub Postmasters of Lower Selection Grade Post Offices 10,000
( ii) Sub-Postmasters/Deputy Postmasters/ Postmasters of
Higher Selection Grade (all Non Gazetted) SOs and HPOs 25,000
(iii) Senior Postmasters/Deputy Chief Postmasters/ Superintendent

of Post Offices / Deputy Superintendent of Post Offices.
(All Gazetted Group-B IIPOs and Divisions)
Chief Postmasters in GPO/Head Offices, Senior 2,50,000
Superintendents of Post Offices
(All Gazetted Group-A HPOs and Divisions)
(iv) Director HQ/Regional Directors/Director (GPO)

5.00,000
n Mumbai, Kolkata & New Delhil
Note l:-To ascertain limit for sanction of claim the status of the Post Office/Office should be
taken into account.
Note 2: - For the purpose of determining the sanctioning authority, the limits should be:-
i. For accounts, the amount at credit at the time ofdeath ofthe depositor plus the interest
accrued thereon up to the end ofthe financial year preceding the year in which the death
occurred.
ii. For certificates, the maturity value ofthe certificate i.e. the face value plus the
amount of interest accrued upto the last completed year or halfyear, as the case
may be, prior to the death ofthe deceased holder.
(C) Cases presenting special features, such as lacuna in rules etc. should not be disposed ofas
a matter ofcourse and all such cases should be referred to the Directorate for orders
Note l:-The power for sanctioning claims beyond Rs. 10,000 will be exercised personally by the
officers mentioned against items (ii) to (iv) ofthe Table.
Note 2:-For reviving the silent account in the name of the deceased depositor, the copy of the
sanction admitting the claim will be treated as application for revival. It will be sent to the
HO/GPO along with the pass book for issuing necessary sanction for the revival'
Note 3:-When it is necessary to revive or revise a sanction for payment of deceased depositor's
balance in the Savings Account, the reviving or revising authoriry may permit payment of interest
on the balance upto the month preceding the month ofrevival or revision ofthe sanction provided
it is satisfied that the delay was entirely beyond the control ofthe claimant.
Note 4:-lf claim belongi to Sub Post Offices,MDG/HO/GPO is beyond the sanction limit of
respective SPMs/PMs, the claim will be forwarded to the Divisional Head concemed after
u"riryirg all particulars and respective Divisional Heads will issue sanction for such claims
within limit piescribed and in case the same is above the limit of Divisional Head, the claim will
be forwarded to the concemed sanctioning authority.
(D) The competent authoriry will sanction the claim without reference to the higher authority
uniess the claim is of doubtful or contested nature. The competent authority must in such cases
make the necessary inquiries and record the result before forwarding it to the higher authority.
The sanctioning authority will scrutinize the claim application to see that:-
(i) The particulars of the relevant accounVcertificate are correctly filled in and have been
verified by the Postmaster.
(ii) The Postmaster has accepted the witnesses on the claim application.
(iii) ID Proofand address proofofthe claimant(s) have been attached.
(iv) An original or attested copy of death certificate (proof of death) from the appropriate
authority accompanies the claim application and it is in order.
(v) Annexures attached to the claim application have been duly attested by authorities mentioned
therein.
(vi) A certificate about the release of pledge from the pledgee accompanies if the account is
pledged. If the pledgee claims the amount in full or in part, payment will be made to him to the
extent of his claim. Action for the seftlement ofthe claim will arise only if the pledge is released
in full or in part.
(E) If any defect of consequence is noticed, the competent authority will address the claimant
directly to complete the documents giving him the necessary guidance. If the witnesses are
accepted by Director/CPNVST.PM/PM or SPM, ID and address proof of the claimant and death
proof in original or attested copy issued by the appropriate authority and annexures attached to
the claim form duly attested by the authorities mentioned therein are attached, no further
verification is required to be done.
(5) Production of death certilicate:-
(i) Death certificate or proof of death in original from a Municipality/Local authority'

hospital or police station in the form prescribed by the authority for the gant of such
cert ificate/proof will be accepted.
(ii) When death occurs at a place where none ofthe institutions or authorities as mentioned
above exist, a certificate/proof of death in original from a Gazetted Officer, an M'P., M.L.A. or
Panchayat Officer or Mukhiya / Village Police Patel may be produced.
(iii) An original certificate from the last employer or the doctor or hakim who last attended
the deceased in case where the balance does not exceed Rs. 500/- rnay also be accepted.
(iv) The certificate/proof of death in original issued by the Parsee panchayat and burial
certificate in original issued by the church authorities may be accepted, if such certificate cannot
be obtained from a municipality or other local authority or hospital or police station or registered
doctor.
(v) If a claimant is not able to hand over original death certificate/proof of death, the Postal
Authority receiving claim can accept photo copy ofthe same by comparing with original. In such
a case, that authority should write on the photocopy "compared with original and found correct"
under dated signatures and designation stamp.
(6) Guidelines for sanctionins authorities:-
(i) Section 4-A and 5 of Governtnent Savings Promotion Act, 1873 and Rule l5(6)(i) of
CSPR-2O18 vests the sanctioning authority with full discretion to pay to whosoever appears to
them be entitled to receive the sum due to a deceased depositor under the circumstances
mentioned therein and gives the sanctioning authority immunity from a bonafide wrong payment.
(iD The competent authority should satisfu himselffrom the two witnesses and ID along with
address proof of the claimant regarding genuineness of the claim before payment and no further
enquiries are to be made.
(iii) In clear cases of minor claimants where natural guardians have preferred the claim,
payment will be made to them without insisting upon production ofGuardianship Certificate.
(iv) If the pass book of the deceased depositor is not forthcoming, the circumstances of the
case should be reported to the Head of the Division for orders whether the account may be closed
without production ofthe pass book. lf the account is ordered to be closed without the production
of the pass book, the procedure prescribed in Rule 37(3) of POSB (CBS) Manual should be
followed mutatis mutandis.
(v) In case, the nominee(s) has lost the original certificate(s) or is otherwise not in possession
of it, he/they may apply for issue of certificate(s) Passbook in his/their own narne after his/her
claim has been admitted and sanction issued by the competent authority. The procedure as laid
down in the relevant Rules for issue ofduplicate certificate passbook will apply mutatis mutandis.
Note: - lf claim is received from other post office, claim form duly sanctioned should be sent to
that post office by Service lnsured Post for taking acquittance from the claimant. The Post Office
where claim was submitted, shall obtain acquittance from claimant on the claim form and in case
of pre-printed certificates, collect original certificates with signature of the claimant and send
back the same to the Postmaster of office ofpayment by Service Insured Post. Once claim form
and original certificates (if any) is/are received back, the payment office will close
the claimant desires payment into his/her POSB Account, he/she should mention POSB account
number along with copy offirst page of passbook in the acquittance portion of the claim form. In
case claimant desires payment into his/her Bank account, he/she should mention account number,
IFSC Code, Bank Name along with copy of first page of passboolc/cancelled cheque (when
facility is made available in Finacle).
(7) Pavment to minor chimants:-
(a) Where the claimant is a minor nominated by the depositor, payment of the sum may be made
to the person appointed in the nomination to receive it. In case there is no such person or there is
no nomination in favour of the minor claimant, paynent of the balance may be made to the
guardian.
(b) Guardian in relation to a minor means:-
(i) Father or mother; and
(ii) Where neither parent of acting, a person entitled

is alive, or where the only parent is incapable
under the law for the time being in force to have th€ care ofthe property ofthe minor.
(c) The person withdrawing the balance from the account on behalf of the minor shall fumish a
certificate that the minor is alive and that the money is required on behalfofthe minor.
Note l:-As per definition of the guardian in the Section 3(h) of Government Savings Promotion
Act I873, guardian in relation to a minor or a person of unsound mind means father or mother. In
view ofthil, the mother ofa Muslim minor can be treated as a guardian for the purpose of settling
the claims of deceased depositor where the interest of Muslim minor is involved. As the mother
has been made the guardian of the minor irrespective of the fact whether the heir ofthe depositor
is a Hindu or Muslim, such a payment to the mother would be a valid discharge within the
meaning of Section 5 ofthe Govemment Savings Promotion Act, 1873.
Note 2:-The payment to a minor directly and not though a guardian will not be a valid discharge
under Section 5 ofthe said Act.
(8) Claims of ho lders not heard for 7 vears:- For the purpose of this Rule the holders who
have not been heard of for more than 7 years will be treated as dead and the claims in respect of
their holdings settled in accordance with the foregoing sub- rules of the Rule, provided the
disappearance of the holder of the account/certificate has been established and the claimant is
prepared to indemnifo the Government against any adverse claim.
(e) Settlement of claims where the claimants or near relatives a re residi ns abroad
Where the claimant or a near relative named in the claim resides in a foreign country, the
procedure as applicable to other claims is to be followed except that the claim from a person
residing in a foreign country, letter of disclaimer from a person residing in a foreign country,
death certificate issued in a foreign country and the power of attomey executed in a foreign
country, ifany, should have the authentication by the Indian Consular Office in that country, if
reciprocal arrangements under Section 14 ofthe Notaries Act, 1952 and HAGUE APOSTITLE
CONVENTION do not exist between India and that country. Authentication means that the
authenticating official has assured himself of the person who has signed the instrument, as well as
the fact ofexecution. In case India has no consular relations with the country and no other
foreign nation has been entrusted with the task oflooking after the interest oflndia or ofthe
people oflndian origin there, the authentication should be done by a Magistrate ofthat country.
Submission ofabove documents along with claim application duly authenticated by the Indian
Consular office is the duty ofthe claimant.
II Reciprocal arrangements under Section l4 of Notaries Act, 1952 exist between India and the
United Kingdom, Hungary, Ireland, Belgium and New Zealand only and reciprocal arrangement
under HAGUE APOSTITLE CONVENTTON exists with following countries :-
Albania Argentina Australia Austria Belarus lBetgium

Bosnia Bulgaria China Costa Rica Croatia lCyprus
Czech Finland France
Republic fenmark [Ecuador lGeorcia
Greece Hungary lceland Ind ia Israel lltuty
Japan Korea Latvia Lithuania Lr*"-bowg fiMalta
Mauritius Mexico Montenegro New Zeal'and [.lor*ay
Netherland
Panama Peru Poland Romania IRussian
Iortusal lFederation
Serbia Slovakia Slovenia South Africa Spain lsuriname
Sweden Switzerland The former Yugoslav USA Venezuela
Republic of
Macedonia |.*"0
(iii) The documents such as death certificate, power of attomey etc. executed before a notary,
solicitor, agency or any other person or authority competent under the law ofthe State oforigin of
the above countries need no authentication from the Indian Consular office in that country. When
duly signed and stamped document from any of the above countries is submitted, no further
verification is required. Payment ofthe claim to a claimant residing in a foreign country will be
made to the holder of a power of attomey in India. No direct remittance will be made to the
claimant in the foreign country. The sanctioning authority should compare the original document
with the self-attested photocopy and record under dated signature with stamp "compared with
original,,. There is no need for verification of either death certificate or power of attomey issued
by the above noted countries.
(10) Pavment of claim:-
(i) The admissibility of interest on deceased claim on various National/Small Savings

Schemes and admissibility of continuation of account by nominee(s)/claimant is prescribed in
relevant Nationat/Small Savings Schemes rules. A gist of eligibility of interest/continuation in
various schemes is placed below for reference. However relevant rules to be referred which may
be changed from time to time.
rest of payment
sl.
No.
I
Scheme
SB
Options with Nominee(s)/Legal
heir(s)
Close the account
I*
[Upto preceding month of closure.
2 RD (i) can close account and take (i) if continued till maturity/extended
payment immediately. maturity, full maturity value.
(ii) can request for transfer of (ii) if closed before maturity/extended
account in his/her name by maturity, the amount applicable as
submitting claim application and prescribed in relevant table of Rule 12 of
continue till maturity. INSRD Rules 2019.
J TD (i) can close account and take [i) TD rate of interest for completed
payment immediately. (Not beyond the type ofTD years)
lears
(ii) can request for transfer of Iii) POSA rate of interest for completed
account in his/her name by month(s).
submitting claim application and
continue till maturity.
4 MIS Can close the account anfime. Enteresfup lo the preceding month ln
lwhich refund is made.
5 SCSS (i) If Spouse is sole nominee and (i) SCSS interest rate will be paid up to
meets eligibility criteria for lhe date of dealh of the depositor.
opening of SCSS account, he/she (ii) After date of death to preceding date
can get account transferred in of payment, POSA interest rate will be
his/her name and continue applicable.
account till maturity provided
he/she does not have another
SCSS account.
Iii) can close account and take
lpayment immediately.
6 PPF lose the account anltime PF interest rate applicable up to the
din month of a nt made.
1 SSA lose the account anltime i) SSA interest rate will be paid up to
e date ofdeath ofthe depositor
ii) After date of death to preceding date
f payment POSA interest rate will be
licable.
8 KVP i) can close accounrcertificate i) ifcontinued till maturity, full maturity
d take payment immediately alue
ii) can request for transfer of ii) if prematurely closed before 2 and
counVcertifi cate in his/her alfyears POSA interest rate is
by submitting claim pplicable for complete months
pplication and continue till iii) after 2 and halfyears but before the
turity. turity, the interest applicable as per
levant Table in rule 6 of KVP rules
0r9
9 NSC i) can close account/certificate i) if continued till maturity, full maturity
d take payment immediately alue
ii) can request for transfer of ii) If prematurely closed before I year,
ount/certifi cate in his./her o interest will be payable
e by submitting claim iii) if prematurely closed after I year
pplication and continue till ore 3 years, POSA interest rate is
turify. licable for complete month.
iii) above 3 years but before the
aturity the interest as applicable in
levant table of Rule 7(4) ofNSC rules
0r9
( ii) The claimant will present the sanction in original along with the pass book. Necessary
action will be taken as for the closure of savings account.
(iii) All payments of the deceased claim cases should invariably be made by cheque or
credit into savings account ofthe claimant. Payment through cheque will be made by means
of a crossed cheque only.
Note: - The sub offices which are not authorized to issue cheque will obtain cheque for the
required amount from the HO/GPO.
(lr) Transfer of account to the name of claimant: - After sanction of the claim , if the
RDiTD/SCSS account/certificate(s) is/are desired to be continued or retained by the claimant till
maturity, he/she must fumish an application in new AOF and if the account stands at Branch Post
Office, complete specimen signature slips. If claimant is not having any CIF in any CBS Post
Office, new CIF has to be created by following the procedure laid down in relevant rules. The
account will then be transferred in the name of the legal heir by changing CIF in CBS
Application.
( l2) Enl of uest for settlement of claim in ter and nt of

Whenever a request from the depositor for sanction of claim is presented at any post o{fice, his
request should be entered in the register to be maintained in manuscript and an acknowledgment
in the format given below should be issued to the depositor against his request:-
ACKNOWLEDGMENT OF CUSTOMER REQI]EST
,.....SO/HO/GPO (Name of post ollice where request received)
Date of receipt of req uest.. .. .... . .
Time of receipt of request..........
Name of depositor....,...............
Account/Certificate(s) no..,........
Nameofscheme .........(SB/RD/TD/IvIIS/PPF/NSS/SCSS/SSA/Certificates)
Request No;- ............,........( Sl. No. of register)
Date Stamp of PO
(13) Maintenance of Register of Deceased claim cases: - As soon as Claim Form alongwith
required documents is received in the post office where the account stands, entry should be made in
the register of deceased claim cases format of which is given below. In order to keep a watch on the
expeditious disposal of claim cases, this register should be maintained by all the sanctioning
authorities (including the circle office). The register will be examined every month by the Head ofthe
Office or Section to see that no case is being unduly delayed and such action as may expedite, is
taken immediately. AII deceased claim cases irrespective of the nomination registered or not,
should be sanctioned/disposed off within 7 working days of the receipt of the same in any post
office or administrative office. All inspecting officers while visiting/inspecting any post office or
administrative office should examine this register to see that no case is delayed beyond 7
working days and if any such case is noticed, separate report should be sent to higher authority,
SPECIMEN OF FORM
Performa for the Register of Deceased claim cases.
Sl.No Case Date of Name and address Name of deceased Date of

mark receipt of of claimant with depositor death
Claim particulars of
Form Relationship to the
depositor,
I 2 3 4 5 6
Particulars Balance Date on Date of receipt of Date of Remarks

of at credit which sanction from payment/Particulars if any
Account/Certifi cate(s) in the Claim Form higher of cheque issued or
and scheme account sent to authorities with credit to Savings
higher particulars of Account.
authority for sanction/Date of
sanction sanction
7 8 I 10 11 12
I
(14) Procedure to be followed bv Branch Post Offices:-
The GDS branch postmaster will in all cases submit the claim to the Account Office. He will accept
two witnesses and make entry in BO SB/RD/TD Joumal against DLT and Specimen Signature Book
thatdepositordiedon-.BPMshouldnotallowanytransactioninthereleVant
account. The Account Office will take necessary steps to settle the claim and issue the sanction order
either itself or though the competent authority. The branch postmaster will be guided by the
instructions received fiom the Account Office.
( l5) Reconciliation certificale: -
Ifthere is a difference in the name ofthe deceased depositor, the claimant will apply to the concerned
Head ofthe Postal Divisional /Head ofthe GPO/Gazetted HO for issue of reconciliation certificate by
giving an application in manuscript declaring the facts supported by documentary evidence(s) if any
and two witnesses with their lD and Address proof. Head of the Postal Divisional /Head of the
GPO/Gazetted HO, after satisrying himself through the documentary evidence(s) submitted or after
conducting any inquiry, which he deems necessary, shall issue Reconciliation Certificate in the
following fomat.
If there is a difference in the name of the deceased depositor, a reconciliation certificate in the
following form may be obtained from the claimant with the claim application form.
SPECIMEN OF FORM
Reconciliation certificate in case of a difference in name of deceased depositor/investor
Certified that the real name of the deceased depositor/investor of POSB Account/Savings
He/she
also used to be called by................. ...(name). The name as mentioned in POSB Account/Savings
Certificate and in the Death Certificate, is that of one and the same person viz., the deceased
depositor/investor.
Date /Place
Signature
Name (in block letters)
Designation stamp ..........
Claimant will attach the above Reconciliation Certificate with the claim application Form.
FORMAT
ADDlication for settlement of an account of the deceased denositor bv nom inee or lepal heirs under
National (Small) Savinss Scheme
To
The Postmaster
l Uwe the nominee(s/ legal heirs oflate the

depositor to Account no./Savings certifi cate(s)*_
under (Name of scheme),
apply for withdrawal of entire amount/transfer ofthe account/certificate(s) in my/our name standing to the
credit ofthe deceased in the said account. ln support ofthe claim, I hereby submit the following
documents:-
(i) Death certifi cate of depositor/s

(ii)Dearh ceflificate of Sh./Smt... . ,also the nominee(s) appointed by the
depositor(s).(t * *)
(iii)Succession certificate//letters of administration with attested copy ofprobated will ofthe deceased
depositor issued by_competent court. (*+)
(iv) Letter of Indemnity (*)
(v) Affidavit (r)
(vi) Letter of disclaimer on affidavit (+)
(vii) Pass book/deposit receipt/statement of account
Signature/thumb impression of Claimant/s

(Thumb impression should be attested by a person known to the Post omce)
Add ress_
Mobile No.
(lD and Address proofofclaimant (s) must be attached)
Witness (l)....... ......(Signature)

Name & Address
Mobile Number ...(lD and Address proofmust be attached)

Witness (2) ....(Signature)
Name & Address
Mobile Number. , (ID and Address proofmust be attached)
Witnesses accepted
Signature of Sr. PM/PM/SPM/GDS BPM
Date
(*) To be produced by legal heirs, in the absence of nomination for claims upto Rs.5 lakh.
(+ +) Strike off if there is a valid nomination.
(+*1') Strike off if not applicable
For office use onlv
Claim has been sanctioned by competent authority vide Sanction Memo No.-
dated (copy attached).
(to be filled if claim is sanctioned by any administrative authority)
Withdrawal of Rs. )or

transfer of account/certificate(s) in the name of claimant(s) is sanctioned.
Date
Acquittance
(to be filled by claimant/s)
Received Rs ._(ln figures)

(in words) By cheque bearing no
Dated transfer to PO Savings Account No. or Bank Account No
SC code) in full settlement of my/our claim.
OR
(In case of RD/TD/Savings Certificates)
Please transfer the accounVCertificate(s) in my/our name for which Account Opening Form (AOF)
alongwith Annexure-ll (KYC Form) and KYC documents are submitted.
Signature/thumb impression of claimant/s

(Thumb impression should be attested by a person known to the Post office)
FORM-T3
(See Rule15 of Government Savings Promotion General Rules, 2018)
AIfidavit
To,
The Postmaster
...... ...... husband of/wife of/son ofl daughter

of .....(deceased depositor)
do herebv declare and
affirm as under:-
2. That Vwe amlare the only hei(s) of late... ... . (deceased depositor)
who died at.......................on...... I/We alone represent the estate of
late . ...(deceased depositor).
J (Deceased depositor) did not leave any

I/we am/are the only successor(s) to the estate ofthe said deceased depositor/s.
4 (Signature)
Deponents
Verifica tion: Vwe, the above named deponents do hereby verifi on solemn affirmation
lI) .(Name of Place) that the contents of this affidavit are true
to knowledge and nothing material has been concealed.
Dated:-
1 .(Signature)
2.
J.
1.
Deponents
Attested
Oath Commiss ioner,Notary Public

FORM.14
(See Rulel5 of Government Savings Promotion General Rules' 2018)
Letter of disclaimer
To,
The Postmaster
S ir,
l. I/We
........husband of/wife of/son ofldaughter
of late .....(deceased depositor) resident
of... .. . do hereby declare and solemnly
affirm as under:-
2. That late (deceased depositor) died

intestate on...... .. .. Leaving behind us as his/her only heirs
3. That, Uwe............ ... ..heirs of late. . .

.. (deceased
depositor) for ourselves and on behalfofour hei rs, executors, representatives and assigns do
hereby relinquish our claims to the balance of Rs payable to the heirs of
late.. ....... ... ... ........(the deceased) which may be credited to the
account sought by Mr./Ms.... ... .. (claimant). our
......(mention relation). We have no objection whatsoever in the balance
in the above referred account No.... ....... .......together with interest, ifany,
accrued thereon being paid by the Post Office to said
Mr./Ms... (claimant)
Deponents
Verifieation: I/we, the above named deponents do hereby verifo on solemn affirmation that the
contents ofthis affidavit are true to my/our knowledge and nothing material
has been concealed.
Dated:-
Deponents
lidentify the deponent(s) who is/are personally known to me and who has/have signed in my
presence.
Dated:-
Attested
Oath Comm issioner/Notarl Public
FORM.15
(See Rulel5 of Goyernment Savings Promotion General Rules' 2018)
Letter of indemnity
To,
The Postmaster
Sir,
l. ln consideration of your paying or agreeing to pay

me/us................
me of legal heirs) the sum of Rs.................. ....standing
in...............................(Name of scheme)account No.....................with
your......................................(name of Accounts office) in the name
of. .. ... ... ... ... ... . ... ... ....without production of letters of administration or succession
.
certificate to the estate ofthe deceased. . .. . . ...(name of the subscriber) or a
certificate from the Controller of Estate Duty to the effect that estate duty has been paid or will be paid or
none is due,
and
we... ... . . . . . . . . . . . . . . . . . . ..(sureties) do hereby for ourselves and our
heirs, legal representatives, executors and administrators jointly and severally undertake and agree to
indemnifo you and your successors and assigns against all claims, demand, proceedings, losses damages,
charges and expenses which may be raised against or incurred by you by reason or in consequence of
having agreed to paylor pa) ing me/us the sum as aforesaid.
3. ln witness whereof we have hereunto set my/our hand at........... on

this day of.................. ............... in the presence of witnesses.
Signed and delivered by the above named heir/heirs ofthe deceased.
Signed and delivered by the above named sureties

t.
2.
Signature, names and addresses ofwitnesses:
l.
2.
Attested
Notary Public
SANCTION MEMO
(For administrative offices)
To
F.No. Dated
Dear Sir,Madam,
Sanction of the undersigned is hereby accorded for the payment to you of the amount due in
account/certificate(s)*. . . . . . ...
standing at . . . . . ..Q'trame of Post Office) in the name

of...... .......... who is reported to have died on......................
2 The amount due will be paid to you on your presenting the Original Passbook/Deposit Receipt
or Savings Certificate(s) for payment at the............... Post office on surendering
the original sanction order.
) In case ofRD and TD type ofaccount and in case of Savings Certificates, you are, however, at
liberty not to accept payment ofthe amount due before the date of maturity entered therein, in
which case the account/savings certificate(s) in question shall be transferred to your name subject
to the conditions laid down in the Rules governing the relevant Savings Scheme.
1 The sanction is valid for accepting pal.ment or for getting the account/savings certificate(s)
transfened in your name for a period ofone year only from the date of its issue.
Yours faithfully,
Sanctioning authority seal/stamp

*lf number of certificates issued through single application are large in numbers, details of the
Savings Certificates should be mentioned here
CertificateNumber Denomination Date of Issue
l. TliePostmaster/SPM. Post Office for information.

SB Order No.3ll2020
e.E. No. I13-0212019-SB

Government of India
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi
Dated i16.09.2020
ADDENDUM
To,
Subiect:- Clarification on physical presence of witnesses at the time of acceptance of deceased claim
case.
Sir/Madam,
Kindly refer to the SB Order No. 3ll2020, issued vide this office letter of even number dated
28.08.2020 on the settlement of deceased claim cases. This office has been receiving various
representations from nominee/claimant that post offices are insisting for physical preseni
of two
witnesses at the time ofacceptance ofdeceased claim case.
2. This issue has been examined in detail and accordingly, I am directed to clariry that the
physical presence of witnesses is not required, if self attested photocopy of lD/Address proof of
witnesses containing signature of the witness concerned are producid along with other claim
documents.
3. tD and Address prool of witnesses may be taken as prescribed in KYC master circular issued
vide SB Order l412012 and GSPR-2018. A list is enclosed for ready reference.
4. It is requested that this claxification may be circulaled to all concemed including CBS/non-
CBS Post Olfices to avoid public inconvenience.
5. Thjs issues with approval ofthe Competent Authority.
4-"w*
(Devendra Sharma)
Assistant Director (SB-II)
Enclosed: - As above.
Copy to:-
2. PSto Dircctor General Postal Services.
3. PPS/ PS to Addl. DC (Co-ordination/tr4ember (Banking)/ Member (O)/ Member (p/ Mernber

(Planning & HRD/ Member (PLIy Member (Tech)/AS & FA

5. Chief General Manager, BD Directorate / Parc€l Directorate / PLI Directorate
5. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General (pAFi
8. Director General P & T (Audil), Civil Lines, New Delhi
9. S€cretary, Postal Services Board/ All Deputy Directors General

15. MOF (DEA), NSJI, North Bloclq New Delhi.
15. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-l 10002
17. Guard File
18. Spare copies-

List ofdocuments mav be acceoted as lD and Address oroof of witnesses
Sl.No. For Proof of Identitv For Proof of Address

I Aadhaar Card Aadhaar Card
2 Passport Passport
Driving License Driving License
l Election Commission Voter ID Card Election Commission voter ID Card
5 Ration Card with Photo, for the person Ration Card with address
whose photo is affixed.
6 Post Office Identity Carq ldentity card Photo Identity Card having address (of
from Central/State Central Govt./PSU or State
Govemment or PSU e.9,, PPO, BPL Govt./PSU)
I card, Job card issued under MG-
I
NREGA duly signed by an officer of
State Covemmcnt.
1 Certificate ofaddress with photo from Certificate ofaddress with photo from
Govt. recognized educational Govt. recognized educational
institutions(for stud€nts, studying at institutions (for students, studying at
present) present)
8 PAN Card Salary Slip ofreputed Employer with
current addrcss.
9 Lefter issued by National Population
Register containing details of name
and addrcss.
t0 Electricity, telephone, post-paid
I
mobile, piped-gas, water bill (not
more than 2 months old)
lt Property or municipal tax receipt.
t2 letter of allotment of accommodation
from employer issued by the State
Govcrnment or Central Govemment
Departments, statutory or regulatory
bodies, public sector undertakings,
scheduled commercial banks, financial
institutions and listed companies and
leave and license agreements with
such employers allotting oflicial
accommodation:
l3 Bank or Post Office
Passbook/Statement with current
address.
Application for settlement ofan account ofthe deceased depositor by nominee or legal
heirs under National (Small) Savings Scheme
To
The Postmaster
1. l/we _the nominee(s)/ legal heirs of

late the depositor to Account no./Savings certificate(s)
under (Name of
scheme),
apply for withdrawal ofentire amount/transfer ofthe account/certificate(s) in my/our name
standing to the credit of the deceased in the said account. In support ofthe claim, I hereby
submit the lollowing documents:-
(i) Death certificate of depositor/s.

(ii)Death certificate of Sh./Smt...... ....,also the nominee(s) appointed by the
deposito(s).(++r)
(iii)Succession c€rtificate/letterc ofadministration/attested copy of probated will ofthe deceased
depositor issued by- competent court. (i*)
(iv)Letter of lndemnity (*)
(v) Affidavit (*)
(vi)Letter of disclaimer on allidavit (*)
(vii)Pass book/deposit receipt/statement of acoount

Address
N'lobile No.
(SelfAttested copy of tD and Address proofofclaimant (s) must be attache d)
\l itncss 1 l). .. . . .. ......... (Signature)

Name &
Address. . ... ... .. . .. .. ..
Mobile Number. ....

(Self Attested copy of lD and Address proof must be attached)
Witness (2)....... .....'.... (Signature)
Name &
Address..............
Mobile Number..
(Self Attested copy of ID and Address proof must be attached)
Witnesses accePted
Signature of Sr. PM/PIvVSPM/GDS BPM
Date.....
to Rs'5 lakh'
('i) To be produced by legal heirs, in the absence ofnomination for claims up
(*+) Strike off ifthere is a valid nomination.
(**r) Strike off if not applicable
For office use onlv
Claim has been sanctioned by competent authority vide Sanction Memo No.
dated (copy attached).
(to be filled ifclaim is sanctioned by any administrative authority)
Withdrawal of
Rs. upee S only) or transfer ol
account/certificate(s) in the name of claimant(s) is sanctioned.
Date
Acquittance
Received Rs ._(In figures)

(in vvords) By cheque bearing no
Dated transfer to PO Savings Account No. or Bank
Account No (IFSC code) in full settlement of my/our claim.
OR
Please transfer the account/Certificate(s) in my/our name for which Account Opening Form
(AOF) along with Annexure-ll (KYC Form) and KYC documents are submitted.
Signature/thumb impression of claimanVs

S.B. Order 3212020
e.F.No. FS-13/1/2020-FS
Government of India
Department ofPosts
(F.S. Division)
Dated :- 23 .09.2020
To,
All Head of Circles,/Regions,
Subigctr Regarding acceptance of withdrawal form (SB-7) with passbook for subsequent deposit/
opening of new account for National (Small) savings Schemes in GDS Branch post dffices.
Sir/Madam,
Kindly refer to the SB Order No. 27 /2020, issued vide this office letter No. FS- l3l01/2020-FS
dated 23.01 .2020 for acceptance of cheque in GDS Branch Post Offices. This office has been receiving
various references to allow subsequent deposit/opening of account through withdrawal form(SB-7) ai
many depositors in GDS Branch Post Offices does not have cheque facility in their PO Savings Account.
2. The issue has been examined in this office in the light ofrule 7 of Government Savings promotion
General Rules 2018 and relevant procedural rules of POSB (CBS) Manual and the compet-ent authority
has decided to allow acceptance of withdrawal form along with SB passbook for subsequent deposit and
opening of new accounts in GDS Branch post Offices.
3. However, the process for necessary modification in RICT CBS application/Finacle may take
time. So, in order to facilitate rural customers to open account/Subsequent deposit at the GDS Branch
Post Offices through withdrawal form (SB-7) with passbook, the foliowing guidelines are issued for
further necessary action, till the provisions are made available in DARPAN (ntCf CeS Application/
Finacle).
a) For subsequent deposits in SB/RD/SSA/PPF:-
i) Subsequent deposit up to Rs.5000/-in SB/RD/SSA/PPF account through withdrawal form (SB-7)

procedure prescribed in POSB (CBS) Manual Appendix II para lc(3) should be followed at GDS
Branch Post Office.
ii) For subsequent deposit above Rs. 50001, the depositor should submit withdrawal form (SB-7)
along with POSB passbook and pay-in-slip along with passbook of SB/RD/SSA or PPF account (for
all subsequent deposits).
iii) On the acquaittance portion (receipt side) of the withdrawal form, the depositor has to write ..For
credit in the Account No in the narne of
......... (Signature of depositor)"
vi) GDS BPM will check withdrawal form and pay-in-slip and with passbooks and check that
withdrawal form and pay-in-slip are complete in all respect.
v) GDS BPM will examine the withdrawal form and follow the procedure laid down for handling
high value withdrawal from savings account in para 4 ofAppendix II ofpoSB cBS Manual and send
both passbooks, withdrawal form and pay-in-slip to account office duly entered in Bo Journal and
BO Daily Account on the date ofreceipt through BO Account Bag.
vi) Receipts from SB-28 are to be issued for both the passbooks collected by the GDS Branch
Postmaster.
vi) on receipt of passbooks from Account office, GDS Branch Post office will hand over the
passbooks to the depositor after updating details in BOSB Joumal and Bo Journal of relevant
scheme. Depositor's copies ofSB-28 should be taken back and pasted with the office copy.
Procedure to be followed by Account Office.
i) On receipt of withdrawal form (SB-7), pay-in-slip and passbooks, the account office will follow
tire p.o"edure p.escribed for credit through transfer from Savings Account laid down in Rule 26(3) of
POSB (CBS) Manual.
ii) Account office should ensure that on acquittance portion (receipt side) of the withdrawal form
depositor has written "For credit in the Account No............... '..... in the name of ......'."""".'
(Signature of depositor)" and signature of depositor tallied with the signatures on application side of
th&ithdru*ul iorm and signatures available in office record/Finacle and both account under same
CIF or minor under same guardian CIF.
iii)Account office should ensure name of depositor in POSB account tallies with the name of
depositor ofthe account in which subsequent deposit is applied.
iv) After the transaction is complete, Account office will print both passbooks and send back to
concerned GDS Branch Post Office duly entered in BO slip on the same day'
(b) For Opening ofNew Account
i) For opening of new accounr (SB/RD/TD/SSA) up to Rs. 50001 through withdrawal form,
procedure prescribed in POSB(CBS) Manual Appendix II para 1(A) should be followed'
ii) For opening of new account in SB/RD/TD/SSA above Rs. 5000/- or opening of account in
ppF/MtS/aCSSiKVpNSC, the depositor has to submit account opening form, KYC form, KYC
documents (if not already submitted), pay in slip along with passbook of POSB account and
withdrawal form (SB-7).
iii) on the acquittance portion (receipt side) of the withdrawal form (sB-7) depositor has to write
"for opening' of new ........ (Name of scheme) Account in the name of
........ (Signature of depositor)".
iv) GDS BPM will check withdrawal form and POSB passbook as well as Account Opening Form,
ryc form, KYC documents and pay-in-slip and ensure that these are complete in all respect.
v) While examining withdrawal form, GDS BPM will follow the procedure laid down for high value
withdrawal from savings account in para 4 of Appendix II ofPOSB CBS Manual'
vi) Preliminary Receipt, 58-26 is to be issued for opening ofnew account and receipt from SB-28 is
to be issued for the SB passbook collected by the GDS Branch Postmaster'
vii) GDS BPM will send withdrawal form (SB-7), POSB passbook, Account opening Form, KYC
form, KYC documents and pay-in-slip duly entered in BO Joumal and BO Daily Account on the
date
of receipt through BO Account Bag.
viii)on receipt of both passbooks (PoSB and New Account) from Account office, GDS Branch Post
office will hand over ihe passbooks to the depositor after updating SS Book, BOSB Joumal. BO
Joumal ofthe relevant scheme and depositor's copy of 58-26 and SB-28 should be taken back
and
pasted with the office coPY.
Procedure to be followed at Account Office
i) on receipt of withdrawal form (SB-7), Account Opening Form, KYC form, KYC documents, pay-
in-slip and passbook of SB account, Account office should ensure that the depositor is eligible to
Form must
open new account and name of depositor in PoSB Account and in the Account opening
be tallied.
ii)Account office has to ensure that on the acquittance portion (receipt side) ofthe withdrawal form,
..For opening of new ...... ...............(name of scheme) Account in the name
depositor has written
of ...... ............ lsignutrre of depositor)" and signature of depositor is tallied with the
signatures on application sidJ of the withdrawal form and signatures available in the office
record/Finacle and both account under same CIF or minor under same guardian CIF'
iii) Account office will follow procedure prescribed for opening of account and funding through
transfer from Savings Account ai per Rule 22 of POSB (CBS) Manual. Account should be linked
with relevant BO in Finacle CBS Application
iv) After opening of account is completed, the Account Office will print new passbook and update
Sg passbooi through Passbook printer and send back both passbooks to concemed GDS Branch Post
Office duly entered in BO slip on the same day.
v) All accounting entries will be done in Account Office.
4. requested to circulate this SB Order along with copy of Forms enclosed to all concemed for
Itis
information and necessary action. The same may alsJbe placJ on the notice boards of the Post Offices
in public area.
a)
This issues with approval of the Competent Authority. ffi*vozo'
(Deventlra Sharma)
Assistant Director (SBJI)
Copy to:-

(Planning & HRD)/ Member (PLl)/ Member (Tech)/AS & FA
5.ChiefGeneralManager,BDDirectorate/ParcelDirectorate/PLIDirectorate
6.Sr.DeputyDirectorGeneral(Vigilance)&CVo)/Sr.DeputyDirectorGeneral(PAF)
7. Director. RAKNPA / GM, CEPT / Directors of all PTCs
9. Secretary, Postal Services Board/ AII Deputy Directors General
1.0. All General Managers (Finance) / Directors Postal Accounts / DDAP
13. A1l recognized Federations / Unions/ Associations
14. GM, CEPT for uploading the order on the India Post website'
15. MOF (DEA), NSJI, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-l10002
17. Guard File
18. Spare copies.

e.F.No I 13-03/2017-SB(Pt.1)
Govt. of lndia
Department ofPosts
(FS. Division)
Dak Bhawan, New Delhi-l10001
Dated: 01.10.2020
To.
Su biect r Rer ision of interest ratcs fbr National (Small) Savings Schemes w.e.f. 01 . I 0.2020
Sir/Madam,
The undersigned is directed to say that vide memorandum No. 01i04/2019-NS dated
30.09.2020 (copy enclosed), Govt. of India, Ministry of Finance, Department of Economic Affairs
(BLrdect Division) have infbrmed that the rate of interest on various Small Savings Schemes (National
Savings Sche6es) for the third quarter of financial year 2020-21 (starting from l"r october ,2020
and ending on 3l'h l)ecember, 2020) shalt remain unchanged from those notified for the second
quarter of Finan cial Yetr 2020-21 (01" July,2020 to 30th September,2020). The details are indicated
below for ready reference.
sl. lnstruments Rate of interest Rate of interest Compounding

No w.e.f.01 .07.2020 w.e.f Frequency+
to 30.09.2020 01.10.2020 to
31.12.2020
(Unchanged)
01 Post Office Savings Account 4.0 4.0 Annually
02 I Year Time Deposit 5.5 5.5 Quarterly
05 5 Year Tilne Deposit 6.7 6.1 Quarterly
06 5 Year Recuring Deposit 5.8 5.8 Quarterly
Scheme
01 . Senior Citizen Savings 1.4 7.4 Quarterly and
Scheme Paid
08. Monthly Income Account 6.6 6.6 Monthly and
paid
09 National Savings Certificate 6.8 6.8 Annually
(VIItth Issue)
l0 Public Provident Fund 7 1 7.1 Annually
Scheme
ll Kisan Vikas Patra 6.9 (will mature 6.9 (will mature Annuallv
in 124 months) in 124 months)
-1.6
t2 Sukanya Samriddhi Account 7.6 Annually
I
Scheme
Cont. on page 2/--

-2
) It is requested to circulate it to allconcemed for information and necessary guidance.

Same may also
be placed on the notice board of all post Offices in public area.
J This issues with the approval ofCompetent Authority.
Yours Faithfully,
'$ff"vezo'
(Devendra Sharma)
Assistant Director (sB)
Copy to:-
1. Sr. PPS ro Secrerary (posts)
3 PPS/ PS to Addl. DG (co-ordination),a4ember (Banking)/ Member (o/ Member (p/ Member

(Planning & HRD)/ Member (PLI)/ Member (Tech/AS & FA
5. ChiefGeneral Manager, BD Directorate / parcel Directorate / pLI Directorate

6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General (pAF)
7. Director, RAKNPA / GM, CEPT / Directors of all pTCs
1s. MOF (DEA), NS-ll, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-l10002
L7. Guard File
18. Spare copies.

e.F.No. FS-14/3/2020-FS
Government of India
Department of Posts
(FS Division)
To,
:- 07 .10.2020
Dated,
Subiect:-Regarding change ofprocedure for generation ofLOTs /Consolidation

vouchers for National (Smarl) Savings Schemes in cBS post offices from
Joumal and handling of
10.10.2020
Sir/Madam,
The existing process for generation ofscheme wise List ofrransactions (Lors)
.
wise Consolidation Joumals by CBS Post offices and further processing
and Scheme-
by SBCd has been reviewed at
Directorate level and after detailed examination the competeni auttrorit/tras accordingly
decided to
itllplement a common List of Transaction (LOT) and a common Consoiidation
Jouma'is for all Small
Savings Schemes in cBS Post offices. This wilr enabre savings of paper, ress report g"r".uiion,
.f""0 ,p
tlre process and ease ofoperation.
2. From 10.1 2020 the followin rocedure ill be foll for eneration of List of
Transaction s Ts and Co lidation J urn handlin of vouchers for Natio nal Small
Savinss Sche mes bv CBS Post Offices. SBCO.
!9!9:- In common List ofTransaction the following changes have been made: _
i)SI Entries (Automatic transfer from SB to RD, MIS/TD/SCSS to SB) will not be included
in
common List of Transaction as these are system generated transactions. However
SI failure
report will be shared by CEPT with respective CPCs for further necessary action on
daily basis.
ii) A single entry for each MpKBy Agents Lor is included, and if required, the detailed
transaction can be viewed through agent reports using HFINRpT menu.
iii) Transaction will be reflected as per time of creation of Transaction ID in each post
Office (SOL).
iv) Other channel transactions will not be included in common List of Transaction (i.e. ATM,
internet banking & mobile banking) as these are being handled through nodal office/Gl
integration.
Part A :- Process to be followed by post Offices (HOs/SOs).
i) After each and ev ery transaction. counter PA will shall write Name of Scheme and
T RAN ID in red ink on the ris ht hand side of the voucher.
ii) consolidated list ofcommission paid as well as list ofrDS deducted and should be sent
to account branch ofHO for preparation ofschedule and Income Tax Return.
iii) one withdrawal form will be prepared by counter clerk duly verified by Ho DpM/ApM
fbr the PoSB cheque lnward clearing amount intimated by cheque clearing bianch. printout of
Inward clearing cheque images should be attached with the withdrawal rorm. epu will verifu
the Inward cheque clearing amount with cheque clearing branch. DplVvApM (sBypM will tally
inward clearing amount shown with total debit clearing amount in..Long Book Deiailed report I
BRN".
1,
iu) If any Inward cheque is rejected one pay-in-slip is should prepared by clearing PA with
total rejection amount and details of rejected cheques as well as cheque dishonor fee should be
mentioned in the pay-in-slip.
v) ln case of RD deposits accepted through MPKBY agents using Agent Portal, one copy
of AGENT RD BULK LIST along with pay-in-slip should be placed at the end ofthe respective
office voucher bundle.
vi) During counter operation, vouchers of all schemes ((i.e. SB/RD/TD/MIS/SCSS/

PPF/SSA,NSS and KVPNSC (issued after 01.07.2016D should be arranged serially in one
bundle according to thei. .
vii) In case of KVPA{SC bulk closure and amount transferred in PO Savings Account, a
single pay-in-slip should be prepared mentioning from and to transaction ID and no. of
cen ificates and amount.
Note:- Where POSB transactions are being perlormed on multiple counters at the end of counter hours,
vouchers frorr all counters to be arranged according to Transaction lD number inespective of scheme in a
single bundle. Ifvouchers are more multiple bundles may be prepared i.e first 100 vouchers in lst bundle,
next 100 vouchers 2nd bundle and so on.
viii)Discharge vouchers of physical certificates (KVP/NSCVII issue) issued before 01.07.2016)

should be arranged separately and processed as being done presently.
ix) Account Opening fbrm (SB-3/AOF) of closed accounts are to be attached with account
closure form and sent to SBCO. Wherever KYC documents are attached with AOF, CIF Number
and Account number should be written on the top ofthe KYC documents and KYC documents
are to be retained in Post office in the same guard file at same place with remark "Account
closed on ............and SB-3/AOF transfered to SBCO". SB3/AOF should be detached from
KYC documents and sent with account closure form to SBCO.
x) In case of accounts closed at other SOL (other than the account office), Account Transfer
lbnn/SB-3/AOF along with KYC documents is to be attached with account closure form antl sent
to SBCO.
xi) Wherever SB-3 /AOF is not available, fresh AOF is to be obtained with fresh KYC
documents and should be attached with account closure form and is to be sent to SBCO.
xii) At the end of counter hours counter assistant will generate "Long Book Detailed report -
BRN (Today)" through HFINRPT menu in Finacle Production server for respective SOL ID and
talll all vouchers uith this repon.
Note :-PM/APM/SPM shall ensure t hat Print out of "Common Post Office Lon Book Details
Reporl illil !aLe&
xiii) After tallying of vouchers with "Long Book Detailed Report-BRN (Today)" counter
assistant will generate and print 2 copies of'Long Book Consolidation Report-BRN (Today)"
throLrgh HFINRPT menu in Finacle Production server.
xix) vouchers including closed vouchers are to be sealed along with print out of "LQgg
All
Book Consolidation R ellort-BRN (^foda ' and one copy of the same is to be preserved in post
office in a guard file.
2
xv) Counter PA/APM/SPM will tally total of debit side and credit side of "Long Book
Consolidation Report-BRN (Today) with "Long Book Detailed Report-BRN (Today)".
xvi) DPM/APN{/SPM will sign the "Long Book Consolidation Repet:BBN]3ed4y)" and
above signatures, write the total No. of vouchers attached with the bundle. Any manual correction
if made in the Long Book Consolidation report-BRN should be supported by copy of error book
and order from competent authority (one copy is to be attached with voucher, one copy with
office copy of "Long Book Consolidation Report-BRN (Today)". Date stamp is to be impressed
on the long book consolidation report (Today).
xvii) For old KVPNSC discharge transaction done during the day, respective discharge
will be attached with discharge journal of KVP/NSC(VIII Issue)/NSC(IX Issue)
certificate
schemes as being done at present to the respective HO for further submission to DAP in monthly
discharge returns.
xviii) At the end ofday single voucher bundle along with Long Book Consolidation Report-
BRN (Todav) will be sent to res pective HO/SBCO
Part B: Process to be followed by Post Offices for vouchers received from GDS Branch Post Offices
(BOs).
i) After receipt of vouchers from concerned BOs, PA/SPM will check vouchers with the list
received with vouchers and in case of any discrepancy noticed error entry is to be made for
concerned BO and copy should be sent to SDI (P) concemed.
ii) PA/SPM will 'Lons Book Detailed Reoort-SDP & AO-SDP' from
generate
Finacle Production server,MlS server (as the case may be) through HFINRPT menu for date of
transaction at BOs.
iii) After generation of report PA/SPM will tally all the vouchers (BO wise) with'Long Book
Detailed Report -SDP & AO".
Note:-Ensure that Print out of "Long Book Detailed Report-SDP & AO" should NOT be taken.
iv) After tallying of vouchers with "Long Book Detailed Report-SDP & AO" counter assistant
will generate and print 2 copies of'Long Book Consolidation Report -SDP & AO" through
HFINRPT menu in Finacle Production server/MlS Server.
v) APM/SPM will sign the "Long Book Consolidation Report -SDP & AO" and above
signatures shall write the No. of total vouchers attached with the BO bundle. Any manual
correction if made in Long Book Consolidation report should be supported by copy of error book
and order from competent authority (one copy to be attached with voucher, one copy with office
copl of "Long Book Corrsolidation Repe{:SDP-.1&-4Q". Date stamp is to be impressed on the
long book consolidation report-SDP & AO.
vi) At the end of day sinsle voucher bundle for all BOS along with Long Book Consolidation
Report -SDP & AO will be sent to re spective HO/SBCO
Note:- In BO's Long book detailed report, any account opened through RICT device in SB/RD/TD/SSA
schemes. account opening entry will be reflected with value date as date of transaction done at BO and
on the date ofopening ofAccount at Account Office concemed, Account Opening entry will be reflected
in BO Long Book Detailed Report on that day.
-3-
Part C :-Process to be followed bv conce rned SBCO Bra nch ofHO for vo uchers of HO/SOs
i) Sub Account PA will hand over the sealed and stitched voucher bundle with long book
consolidation report to SBCO PA.
iD sBCo PA will examine whether the Long Book consolidation Report bears signature of
Postmaster/APM (SB), date stamp of the office and number of vouchers written are tallied with
number ofvoucher in the office wise (SOL ID wise) sealed bundle.
iii) sBCo PA will counter sign on each "Long Book consolidation Report-BRN". In case of
an1' discrepancy observed,sBCo PA will take to the notice of the Supervisor SBCO and hand
over all the voucher bundles with Long Book consolidation report-BRN to Supervisor SBCo.
iu) Supervisor SBCo will assign the voucher bundles to SBCO pA according to the
availability of staff and workload.
v) In case of any irregularities noticed, Supervisor SBCO will record objection in objection
register and send copy of Objection Memo to concerned office.
vi) SBCO PA will create date wise folder (i.e 28092020) in their respective nodes.
yiD SBCO PA will

generate "Long Book Detaile ,,
for each post Office(SOL ID)
from Finacle MIS Server and save that report on respective date folder.
Note:-Supervisor, SBCo will ensure that Long book Detailed Report" is Nor PRTNTED by SBCo
PA.
viii) After saving "Lons Book Detailed Repon-BRN" for all Post Offices under his
jurisdiction, respective sBCo PA will open each office long book detailed report and tally all
vouchers received from concerned Post office as well as perform checks as prescribed in SB
Order 14/20'1 5, 051201 6
ix) SBCO PA will tally total of debit and credit side available on "Long Book consolidation
Report-BRN" with "Long Book Detailed Report-BRN" generated by SBCO.
x) SBCO PA will tally total of debit (Clearing) amount with total clearing amount with
Treasury/clearing branch for each office.
xi) In case any irregularity/discrepancy noticed, necessary action to be taken as prescribed in

SB Order 1412015.
xii) After verifuing voucher bundle of each Post Office (SOL ID) SBCO PA will write .Checked
and Verified" on the "Long Book consolidation report-BRN" received with voucher bundle along
with signature. Supervisor SBCo will also countersign on the Long Book consolidation report-
BRN.
xiii) After veri$ing all voucher bundles of Post Offices, SBCO will analge and store voucher
bundle date wise.
Part D :-Process to be followed bv concerned SBCO Branch of HO for vouchers relates to Branch
Post Offices.
i) Sub Account PA will hand over the BO sealed and stitched voucher bundle with long book
book consolidate report-SDP & AO to SBCO PA.
ii) SBCO PA will examine whether the "Long Book Consolidation Report-SDP & AO" bears
signature of SPM/APM (SB), date stamp and number of vouchers written are tallied with number
ofvoucher in the office wise (SOL ID wise) sealed bundle.
4
iii) sBCo PA will counter sign on each "Long Book consolidation Report SDp & AO,,on each
BOs voucher bundle. In case of any discrepancy observed, SBCO PA will take to the
notice of
the Supervisor SBCO and hand over all the voucher bundles with Long Book consolidation
report-SDP to Supervisor SBCO.
iv) Supervisor SBCo will assign the Bo voucher bundles to sBCo pA according to the
ava ilability of staff and workload.
v) In case of any irregularities noticed, Supervisor SBCO will record objection in Objection
register and send copy ofObjection Memo to concemed office.
vi) SBCO PA will create BO followed by date folder (i.e BO2so92O20) daily in their respective
nodes.
ulil sBCo PA will generate "Long Book Detailed Report- sDp & Ao,,for each post office
(SOL ID) from Finacle MIS Server and save that report on respective date folder.
Note:-Supervisor, SBCo will ensure that Long Book Detailed Report-SDp & Ao" is Nor
PRINTED by SBCO PA.
viii) After saving "Lonq Book Detailed Report -SDp & Ao,, for all post offices under his
jurisdiction, respective SBCO PA will open each office long book report and
tally all vouchers
received from concerned Post Office BO bundle as well as perform ciecks as prescribed in
SB
Order I 41201 5, 05 12020.
ix) SBCO PA will tally total of debit and credit side avaitable on "Long Book Consolidation
Report-SDP & Ao" with "Long Book Detailed Report-sDp & Ao" generated by SBCO for each
BO bundle.
x) In case any iregularity/discrepancy noticed, necessary action to be taken as prescribed in

SB Order l412015.
xi) After verilying voucher bundle of each post office (SoL ID)'s Bo bundle, SBCO pA will
write 'checked and verified" on the "Long Book consolidation Report-SDp & Ao,,received
with voucher bundle along with signature. Supervisor SBCO will also counter sign on the
common Long Book consolidate report.
xii) After veriflzing all voucher bundles of Post Offices, SBCO will arrange and store voucher
bund le date wise.
3. Non-CBS Post Offices will follow the same process for generation ofLOTs and Consolidation
Jounral as being done presently.
4. After implementation of common Lor and consolidation Joumal, existing Scheme-wise List
of rransactions (Lors) and consolidation Journats will be available onty wittr Incharge, cpc
role. For inquiry/investigation purpose (if required) the same can be taken irom Inchargelcpc of
the Circle on request from Director GPO/Chief Postmaster GPO/Divisional Head /Sr.pJstmaster.
5. It is requested to circulate this SB order to all concerned for information, guidance and
necessary action.
6. This issues with approval ofthe Competent Authority.
Yours Faittf4 y.
- ffi.1yozo
(Devendra Sharma)
5
Copy to:-
1. Sr. PPS to Secretary (posts)
2. PS to Director General postal Services.
3. PPS,' PS to Addl. DG (co-ord iration)/Mernber (Banking)/ Member (o)/

Mernber (p)/ Member
(Plalning & IJRD)/ Member (plt)/ Member (TechyAS & FA
4. Addl. Director General, ApS, New Delhi
5. Chief General Manager, BD Directorate / parcel Directorate / pLI Directorate
6 Sr. Deputy Director Generar (vigirance) & cvo) / Sr. Deputy Director Generar (pAF)
7. Director, RAKNPA / GM. CEPT / Direcrors of all pTCs

9. Secretary, Postal Services Board/ All Depuq, Directors General
11. Chief lingineer (Civil). postal Direfiorate
12. AII Sections ofPostal Directorate
13. Ail recognized Federations / Unions/ Associations
15. MOI- (DEA), NS-II, North Block, New Dethi.
16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi_l10002
17. Guard File
18. Spare copies.
-6-
SB Order No. 35 /2 020
e.F.No 25-08/2012-FS(CBSXPI. 1)
Government of India
Department ofPosts
(FS Division)
Dak Bhawan, New Delhi-110ffi1
Dzted: 29 ,10.2020
To,
AII Head of Circles/Regions
Suliect ; Regarding supply of specimen of various forms to be used in operation of National (Small)
Savings Schemes in Hindi and English.
Sir/Madam,
This office has prepared Hindi version of various forms being used in operation of National
(Small) Savings Schemes. Accordingly, a specimen copy of the following updated forms in Hindi and
English is enclosed for reference and further necessary action: -
l. SB-AOF - Application for opening ofnew account/purchase ofcertificates

2. SB-KYC- KYC Form
Note: - For new customer or updating existing KYC details.
3. SB-ATM l- ATM_mbanking_ebanking request form ir
4. SB-103- Pay-in-slip
5. SB-7 - Withdrawal Form
6. SB-7A- Application for closure of account on maturity
7. SB-7B- Application for pre-mature closure ofaccount
8. SB-7C- Application for Loan/Withdrawal from RD, ppF and SSA account
9. SB-41- Application for issue ofduplicate passbook
I 0. SB-EXT I -Application for extension of RD, TD, ppF and SCSS account
I I . SB-83- Application for automatic transfer (Standing Instruction)
12. SB-CQE4- Application for availing cheque facility/issue offresh cheque book in PO Savings Account
\9!9: - Provision of SB-CQE4a has been incorporated in SB-CeE4, as such SB-CeE4a is now
discontinued.
13. Form-S -Application for Transfer ofAccount
I 4. Form-7 - Application for pledging of account
15. Form-10 - Application for cancellation and chlnge of nomination

16. Form-12 - Letter ofauthority for opening or operate account on behalf of depositor suffering from
physical infi rmity including blindness
17. Form-1 I - Application for settlement ofdeceased claim case
18. Form-13 - Affidavit
I 9. Form- l4 - Letter of disclaimer
20. Form- I 5 - Letter of indemnitv
2. Currenl size and specifications being used for AOF, SB-103, SB-7, SB-7A shall remain
unchanged. For SB-7B, and SB-7c, specifications of SB-7A will be applicable and for other forms,
A-4 size paper will be used for printing.
forms to all concemed for information
3 It is rcqucsted to circulate this order and specimen of these
and necessarY guidance.
1 This issues with the approval of Competent Authority'

Yours FaithfullY,
*vez-o
(Devendri Sliarma)
Copy to:-
l. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services'

Member (O/ Member (P)/ Member
-3. pps/ pS to Addl. DG (co-ordination/\4ember(Banking)/
(Tech)/AS & FA
iptunning A HRD)/ Mimber (PLI/ Member

(PAF)
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr' Deputy Director General
8. Director General P & T (Audit), Civil Lines' New Delhi
/ DDAP
10. All General Managers (Finance) / Directors Postal Accounts
I 1. Chief Engineer (Civil), Postal Directorate

website'
14. GM, CEPT for uploading the order on the India Post
15. MOF (DEA)' NS-II, North Block, New Delhi'
l6.JointDirector&HOD,lccwBuilding,4DeendayalUpadhyayMarg'NewDelhi-l10002
17. Guard File
18. Spare coPies.

FORM -5
(See Rule 13 of Government Savings Promotion Rules, 2018)
Application for transfer of account under National Savings Scheme
To,
…………………………………………………
…………………………………………………
Sir,
I/we request that my/our Account

Number__________________________under_________________________(Name of the
Scheme) with deposit/credit balance of Rupees______________________(in
words)________________________________________standing on the books of
the________________________________(Name of Account office) may be transferred
to the books of the__________________________(Name of Account office).
2. The Passbook/deposit receipt/statement of account in original is attached.
Three specimen signatures are given below:-
Dated: …………………… Signature of Depositor/s
Specimen Signature Name and address of the Depositor/s
1 ………………………….
2 ………………………….
3 ………………………….
Countersigned by Postmaster/Manager
Acknowledgement
Received application for transfer of …………………………..(Name of scheme) Account

No…………………………………….. in the name of …………………………………..standing on
books of the …………………………………………. (Name of Account office) with balance of
Rs……………………………(Rupees....................................................………………………………
…………… only). The particulars/ entries in the Passbook/deposit receipt/statement of
account have been checked and the same is returned to the account holder/s.
Seal
Date
Postmaster/Manager Signature .........…………
Stamp
Name of Account office .........……………
FORM -7
(See Rule16 of Government Savings Promotion Rules, 2018)
Application for pledging of account under National Small Savings Scheme
To
………………………………………
Sir,
1. I/We …………………………………………………..…. am/are required to deposit an

amount of Rs. ……………………………. as security with ……………………………………
(official designation of the gazetted officer of the Government or name of the Reserve Bank of
India or a Scheduled Bank, Cooperative Bank, Registered Cooperative Society, Corporation,
A Government Company or Local Authority). I/We therefore request you to transfer the
deposit in Account Number_____________________
under_________________________________________(Name of scheme) as security in
favour of ……………………………………………………………… (Official Designation of the
Officer or name of the Branch etc to whom the Account is being pledged as security.)
2. I/We agree that the account(s) can be encashed by the pledgee when the security has
been forfeited. Nomination vide registration number.............................in the account stands
cancelled.
Particulars of Account
Account number Date Name of Account office Amount
The authority mentioned above has agreed to accept the pledge. A pledge acceptance duly
signed by the competent authority as pledgee is attached.
Dated : …………………………………….. Signature of Depositor
Address ...........……………………………
For office use only

Account number__________________ has been pledged vide registration
no....................................dated....................... and necessary entries have been marked in the
record. Passbook/deposit receipt/statement of account has also been marked with pledge and
returned to the account holder.
Signature of Post Master/Manager
Seal
FORM -10
Application for cancellation and variation of nomination in an account under National

Savings Scheme
Name of the Post Office/Bank……………………..... Account No…………………………………………..

Name of the scheme____________________
To
………………………………………………
………………………………………………
1. I/We being the depositor(s)/guardian of_______________________(Name of the minor/person

of unsound mind) hereby nominate the person(s) named below, to be recipient(s) of the amount
standing at the credit of the above mentioned account in the event of death of my/our/minor’s/person
of unsound mind, before closure of the said account.
S.No. Name(s) of the Full address (s) Aadhar Date of birth Share of Nature of
nominee(s) and Number of of nominee in entitlement entitlement
relationship nominee/s case of minor Trustee or
owner
2. As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I

appointShri/Smt/Kumari………………………………………….S/o,D/o,W/o……………………………………………………………
…………..Address…………………………………………………………………………………………………………………………………………
…………………….to receive the sum due under the said account in the event of my death during the
minority of the nominee(s).
The above nomination will have the effect marked below
This nomination supersedes the previous nomination made in respect of the said account with
registration number_____________________ date____________________.
OR
No nomination has been previously made in respect of the said account.
The passbook/deposit receipt/statement of account is enclosed
Signature or thumb impression of depositor(s)

(Thumb impression should be attested by a person known to the Post Office)
Witnesses
1. Name 2. Name
AddressAddress
Signature Signature
For office use only

Nomination registered at Serial Number________________________.
Date Signature and Seal of Postmaster/Manager

Form-11
Application for settlement of an account of the deceased depositor by nominee or legal
heirs under National (Small) Savings Scheme
To
The Postmaster
……………………………..
1. I/we________________________the nominee(s)/ legal heirs of late_________________,

the depositor to Account no./Savings certificate(s) ____________________________________
___________________________________under_______________________(Name of scheme),
apply for withdrawal of entire amount/transfer of the account/certificate(s) in my/our name
standing to the credit of the deceased in the said account. In support of the claim, I hereby
submit the following documents:-
(i) Death certificate of depositor/s.
(ii)Death certificate of Sh./Smt.…………………………,also the nominee(s) appointed by the
depositor(s).(***)
(iii)Succession certificate//letters of administration with attested copy of probated will of the
deceased depositor issued by_____________________competent court. (**)
(iv) Letter of Indemnity (*)
(v) Affidavit (*)
(vi) Letter of disclaimer on affidavit (*)
(vii) Pass book/deposit receipt/statement of account

Address_____________________________________________________________________
Mobile No.__________________________
.
( Self Attested copy of ID and Address proof of claimant (s) must be attached)
Witness (1)………………………………..(Signature)
Name &
Address……………………………………………………………………………………..
………………………………………………………………………………………………
Mobile Number……………………………………………
Witness (2)………………………………..(Signature)
Name &
Address……………………………………………………………………………………..
Mobile Number……………………………………………
Witnesses accepted
Signature of Sr. PM/PM/SPM/GDS BPM
Date …………………………..
(*) To be produced by legal heirs, in the absence of nomination for claims upto Rs.5 lakh.
(**) Strike off if there is a valid nomination.
(***) Strike off if not applicable
For office use only
Claim has been sanctioned by competent authority vide Sanction Memo No.________________
____________________________dated_______________(copy attached).
(to be filled if claim is sanctioned by any administrative authority)
Withdrawal of Rs.___________________(Rupees_________________________________only)
or transfer of account/certificate(s) in the name of claimant(s) is sanctioned.
Date
--------------------------------------------------------------------------------------------------------------------
Acquittance
Received Rs ._____________(In figures)__________________________________________

_______________________ (in words) By cheque bearing no__________________
Dated______________/by transfer to PO Savings Account No._____________or Bank Account
No ____________(IFSC code) in full settlement of my/our claim.
OR
Please transfer the account/Certificate(s) in my/our name for which Account Opening Form
(AOF) alongwith Annexure-II (KYC Form) and KYC documents are submitted.
Signature/thumb impression of claimant/s

FORM -12
Letter of authority to open or operate an account under National Savings

Schemes on behalf of depositor suffering from physical infirmity including
blindness
To
………………………………..
Sir
I/we_________________________________depositor of account
number ________________________ under___________________(Name of
scheme) hereby
authoriseSh./Smt./Ms.____________________w/o,s/o,d/o__________________
_in whom I confide and whose photograph and signature are attested below to
operate the said account for the following purposes.
1.
2.
3. Paste
Photograph of
4.
authorised
person
Specimen signature of authorised person
1.
2.
3.
Signature of Witness Signature or thumb impression of Depositors
(Thumb impression should be attested by a person known to the PostOffice).
Name & Address:

Date
FORM -13
Affidavit
To,
The Postmaster
…………………………………………………
…………………………………………………
Sir,
1. I/We……………………………………………………………………………………………………
………………………………………………husband of/wife of/son of/daughter of
late…………………………………………………………………..(deceased depositor) resident
of…………………………………………………………… do hereby declare and solemnly
affirm as under:-
(1) That I/we am/are the only heir(s) of late……………………………………. (deceased

depositor) who died at…………………..on…………………………………… I/We alone
represent the estate of late ………………………………………………….(deceased
depositor).
(2) That late……………………………………………….. (deceased depositor) did not leave
any will and therefore I/we am/are the only successor(s) to the estate of the said
deceased depositor/s.
1. …………………………………………(Signature)
2.
3.
4.
Deponents
Verification: I/we, the above named deponents do hereby verify on solemn affirmation
in……………………………………..(Name of Place) that the contents of this affidavit are true to
my/our knowledge and nothing material has been concealed.
Dated:-
1. ……………………………………….(Signature)
2.
3.
4.
Deponents
Attested
Oath Commissioner/Notary Public

FORM -14
Letter of disclaimer
To,
The Postmaster
…………………………………………………
…………………………………………………
Sir,
1. I/We………………………………………………………………………………………
……………………………………………………………husband of/wife of/son
of/daughter of late…………………………………………………………..(deceased
depositor) resident of…………………………………………………………… do
hereby declare and solemnly affirm as under:-
(1) That late ………………..……………………………………………..(deceased

depositor) died intestate on………………………………. Leaving behind us as
his/her only heirs.
(2) That I/we…………………………………….heirs of

late………………………………(deceased depositor) for ourselves and on behalf
of our heirs, executors, representatives and assigns do hereby relinquish our
claims to the balance of Rs………………………….. payable to the heirs of
late……………………………………………(the deceased) which may be credited
to the account sought by Mr./Ms.………………………………………….(claimant).
our ………………………………(mention relation). We have no objection
whatsoever in the balance in the above referred account
No………………………………….together with interest, if any, accrued thereon
being paid by the Post Office to said
Mr./Ms……………………………………(claimant)
1.
2.
3.
Deponents
Verification: I/we, the above named deponents do hereby verify on solemn affirmation
that the contents of this affidavit are true to my/our knowledge and nothing material
has been concealed.
Dated:-
Deponents
I identify the deponent(s) who is/are personally known to me and who has/have signed
in my presence.
Dated:-
Attested
Oath Commissioner/Notary Public
FORM -15
Letter of indemnity
To,
The Postmaster
…………………………………………………
…………………………………………………
Sir,
1. In consideration of your paying or agreeing to pay
me/us…………………………………………………………………………………………………
….(Name of legal heirs) the sum of Rs……………………………………..standing
in…………………………………..(Name of scheme) account No……………………….with
your…………………………………..(name of Accounts office) in the name
of……………………………………………………………….without production of letters of
administration or succession certificate to the estate of the
deceased………………………………………..(name of the subscriber) or a certificate from
the Controller of Estate Duty to the effect that estate duty has been paid or will be paid or
none is due,
2.I/We………………………………………………………………………………………………..
and we……………………………………………………………………………..(sureties) do
hereby for ourselves and our heirs, legal representatives, executors and administrators
jointly and severally undertake and agree to indemnify you and your successors and
assigns against all claims, demand, proceedings, losses damages, charges and
expenses which may be raised against or incurred by you by reason or in consequence of
having agreed to pay/or paying me/us the sum as aforesaid.
3. In witness whereof we have hereunto set my/our hand at……………………………on

this……………… day of……………………………………in the presence of witnesses.
Signed and delivered by the above named heir/heirs of the deceased.
Signed and delivered by the above named sureties

1.
2.
Signature, names and addresses of witnesses:
1.
2.
Attested
Notary Public
SB-7 WITHDRAWAL FORM
Type of Account : SB TD MIS SCSS NSS, Others……….
Account No.
Pay ₹……………………………(In figures) Rupees
NATURE OF PAYMENT :- Interest Withdrawal …………………………………………………………………………………………….(in words)
Please pay to me / messenger (whose name and signatures are given below) the sum
of ₹………………………………………………(In figures) ₹ …………………………………………………………
(In words).
Balance after withdrawal₹--------------------------------------------(in figures) Date Stamp Signature of Postmaster
ACQUITTANCE (to be filled by depositor/messenger)
Received₹……………………………(In figures) Rupees
Name of Messenger ………………………………………………………………….. ………………………………………………………………………….. (in words).
Signature of Messenger ……………………………………………………………
Signature of account holder(s)

(Required only if payment is required through messenger)
Date:- Signature or thumb impression of account holder
(enclosed prescribed form)
/guardian /messenger guardian
Mobile No. …………………………………… PAN No. …………………………….(if applicable)

Initial of PA Initial of APM/SPM
Attested By________________________________________(Name & Address)
Note:- Please submit passbook along with this form.
SB-7A APPLICATION FOR CLOSURE OF ACCOUNT ON MATURITY
Name of the Post Office…………………………………………………. Date D D M M Y Y Y Y Transaction ID ------------------------------------

Payment Details
Type of Account: SB RD TD MIS SCSS PPF SSA KVP NSC, Others….. Principal:- ₹…………………………………………………………………………………………………………..
(1)I/We hereby submit pass book and apply for closure of my above mentioned account Deduction (if any) (-):-₹………………………………………………
matured on_________________. Total amount to be paid ₹…………………………………..(In figures)
₹……………………………..…………………………………………………………………………………….(in words)
(2)Please Credit the amount to my SB Account no.________________________ standing
OR Please issue account payee cheque Signature of Postmaster
OR Please pay in cash (applicable if the amount is below permissible limit)
Date Stamp
*Certified, that the amount sought to be withdrawn is required for the use of ACQUITTANCE (to be filled by depositor)
………………………………………who is alive and still a Minor/unsound mind. Received₹…………………………………..(In figures) ₹……………………………………………
…………………………………………………………………………………………………………………….(in
Please credit into my Savings Account No………………………………………………..

Attested By…………………………………………………………………………………………….(Name & Address)
(Applicable in case of thumb impression) Signature or thumb impression of account holder(s)/guardian
Mobile No. ………………………………..
Initial of Postal Assistant Initial of Postmaster Attested By………………………………………………………………………………….(Name & Address)
SB-7B APPLICATION FOR PRE-MATURE CLOSURE OF ACCOUNT
Name of the Post Office…………………………………………………. Date D D M M Y Y Y Y Transaction ID --------------------------------

-
Type of Account: RD TD MIS SCSS PPF SSA KVP,Others….. Payment Details
Account No. Principal:- ₹…………………………………………………………………………………………………………..
Interest due(+):-₹……………………………………………………………………………………………………
To
The Postmaster…………………………………………………………………………………..Post Office
(1)I/we wish to prematurely close my/our Account No________________________ having Deduction of penal interest and others (if any) (-):-……………………………………………………
balance of ₹____________________(₹______________________ Only) and request you to Total amount to be paid ₹…………………………………..(In figures)
pay the amount after deduction of applicable penalty/any other dues (if applicable any), as ₹……………………………..…………………………………………………………………………………….(in words)
per details given below:-
(2)Please Credit the amount to my SB Account no.________________________ standing
ORPlease issue account payee cheque.
ORPlease pay in cash (applicable if the amount is below permissible limit) Date Stamp
(3). I/We hereby declare that the provisions under which the account can be closed ACQUITTANCE (to be filled by depositor)
before maturity under ……………………………(Name of Scheme) have been complied with.
Received₹…………………………………..(In figures) ₹………………………………………………
Necessary documents as applicable are attached as under:-
…………………………………………………………………………………………………………………….(in
*Certified, that the amount sought to be withdrawn is required for the use of words)by Cash or Cheque No……………………………. dated …………………………. or
………………………………………who is alive and still a Minor/unsound mind. Please credit into my Savings Account No……………………………………………………..

Mobile No. ………………
Attested By…………………………………………………………………………………………….(Name & Address) Attested By………………………………………………………………………………….(Name & Address)
(Applicable in case of thumb impression)
Initial of Postal Assistant Initial of Postmaster

SB-7C APPLICATION FOR LOAN/WITHDRAWALFROM RD/PPF AND SSA ACCOUNTS
Type of Account (tick the required category) : RD PPF SSA Amount available in Account Rs…………………………………………………………………
Date of Initial Subscription …………………………………………………………………………
Account No.
Date on which last Loan/withdrawal was allowed ………………………………………………
I………………………………………………..account holder(s)/guardian hareby apply for Total Amount granted for Loan/withdrawal for ₹……………………………(In figures)
loan/Withdrawal from my account mentioned above for ₹…………………….in figures) Rupees …………………………………………………………………………………………….(in words)
Rs.………………………………………………………………………………………………………………..(in words).
* Certified, that the amount sought to be withdrawn to be availed is required for the
use of ………………………………………………who is alive and still a minor or of unsound mind.
2. Please Credit the amount of Loan/ withdrawal to my SB Account No……………………… Date Stamp Signature of Postmaster
standing at ……………………………………………. (Name of Post Office)
ACQUITTANCE (to be filled by depositor)
OR Please issue a Account payee Cheque
OR Please pay in Cash (Applicable for below ₹ 20000) Received₹……………………………(In figures) Rupees
3.I Certify that all the conditions applicable under scheme for grant of Loan/ ………………………………………………………………………….. (in words) by Cash / Cheque
withdrawal have been complied with. No………………………….. dated ………………………../ by transfer to Account
Necessary documents as applicable are attached as under:- No………………………………………………………..
1
2 Date:-
Signature or thumb impression ofaccount holder(s)/ guardian Signature or thumb impression of account holder/guardian guardian
Mobile No. ……………………………………

Initial of Postal Assistant Initial of Postmaster PAN No………………………………………..
Attested By_______________________________________(Name & Address)
(Attestation is applicable in case of thumb impression) Attested By________________________________________(Name & Address)
SB-41
APPLICATION FOR ISSUE OF DUPLICATE PASS BOOK
Sl.No. Description To be filled by depositor

1 Account Number and type of National (Small)
Savings Scheme
2 Account Type (Minor/Person of unsound mind,
Single/ Joint A/C
3 Name of Post Office in which Account stands.
4 If account stands at BO , Name of BO
5 Name of Account holder(s)
6 Name of Husband/Father/Mother/Guardian
7 Address of account holder(s) at the time of
opening of account.
8 Present address of account holder(s)
9 Date of opening of account and office at which it
was originally opened if different from col.3
10 Date and particulars of last transaction of account
11 Balance at credit after the last transaction
12 Name of the PO from which the account was last
transferred.
13 Date and circumstances of loss of Pass Book and
result of efforts made to traced it out.
14 Whether loss was reported to Police and if so with
what result. (Not mandatory)
15 Remarks if any.
(i) Particulars given above are true to the best of my/our knowledge and duplicate pass
book may please be issued.
(ii) I/we shall surrender this pass book (in case of duplicate issued in lieu of torn and spoilt
one).
(iii) The prescribed fee of Rs. …………….. has been paid through receipt No……………..
dated…………………. (Please score out if exemption has been granted).
(iv)
Note:- 1. Submit the self-attested copies of the KYC Documents.
2. In case of Joint Account, signature/KYC of all Joint account holders required.
Signature/Thumb impression of account holder(s)
Particulars as given in the application have been verified with the records.
Signature of SPM/PM with designation stamp.

Part-II
Duplicate pass book may be issued / may not be issued.
Signature of Postmaster with designation stamp

Part-III
Duplicate pass book of Account No. …………………………………. with balance Rs. ………………………received on
…………………………….
Date Stamp of PO Signature/Thumb Impression of account holder(s)
Witness (In case of illiterate depositor(s))
Signature of witness
Name and Full Address of witness.
SB-83
Department of Posts
Application for availing the facility of automatic transfer (Standing Instructions)
To,
The Postmaster
……………………… Post Office
Sir
I/We ………………………………………………….. hereby request that :-
*(a) A sum of (total of below mentioned amount) Rs ………….. may be debited every month
from my PO Savings Account No. ………………….. and credit in to my/our below mentioned
RD account(s) standing in my/our name(s)/the name of my spouse/dependant child.
Sl.No. RD Account no. Name of depositor(s) Denomination Amount Credit till date.
* (b) My/our monthly/Quarterly/Yearly interest from under mentioned MIS/SCSS/TD interest

may be credited in my/our PO Savings Account No. ………………….
Sl.No. MIS/SCSS/TD Name of depositor(s) Interest Amount
Account no.
I/We hereby declare that the conditions subject to which the facility of automatic transfer
is permissible have been read by me/us and I/We accept all the said conditions mentioned in
POSB(CBS) Manual/POSB Manual Volume I and all such amendments thereto as may be issued
from time to time as binding upon me/us. The passbooks of Savings and RD/MIS/SCSS/TD
accounts concerned are enclosed.
* strike out if not applicable
Date ………………………. Signature(s) of Depositor(s)

SB-103 Pay in Slip
Account Number
Pay into the credit of Mr./Mrs./Ms. ............................................................................................................................
Pay into the credit of Mr./Mrs./Ms. : .................................................. Rupees (in words): …………………………………………………………….………………………………………..………………………………………….
Rupees (Inwords)…………………………………………………………………………..
by Cash/DD/Cheque No…………..…………………………Date:………………………(subject to realization)
by Cash/DD/Cheque No……………………………………….. ₹..……….../
Date:……………………(subject to realization)
₹..……….../ Bank’s Name…………………………………………………………… Bank Branch IFS Code ................................
-
- Break up of Deposit:
Break up of Deposit: In case of RD:- for the month(s) …………………………….. rebate Amount…………..….default Amount……………………..….
In case of RD:- for the month(s) ……………………………………. In case of PPF/SSA:- for the Financial Year………………………………… default Amount …………………………………………
Rebate amount…………….Default amount ………………………. Loan Repayment……………………………………… Interest on loan ………………….
In case of PPF/SSA:- for the Financial year……………………………………..
Default amount ………………………………………… Date
Loan Repayment………………………… Interest on loan …………………. Stamp

Dated
Stamp
(prescribed form to be enclosed) Mobile No. …………………………… PAN No………………..(if required)
Initial of PA/SPM/GDS BPM Depositor Name & Address ……………………………………………………………………..
SB - Savings Account, RD- Recurring Deposit, MIS- Monthly Income Scheme, SCSS- Senior Citizen Saving Scheme, PPF- Public Provident Fund, SSA - SukanyaSamriddhiAccount,TD-Time Deposit(1/2/3/5 year), KVP-KisanVikasPatra, NSC-National Savings Certificates VIIIth Issue
SB- AOF POST OFFICE SAVINGS BANK
APPLICATION FOR OPENING OF ACCOUNT/PURCHASE OF CERTIFICATE
Post Office Tran-ID SOL ID Date of Maturity
Account Number CIF-ID (1)
Instructions:i.Please tick (√) the appropriate box,ii) Use CAPITAL LETTERS only while filling in the application form iii) Submit the self-attested copies of the Documents.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
To
The Postmaster
………………………………………………… Paste photograph Paste photograph Paste photograph
………………………………………………… of applicant/s of applicant/s of applicant/s
Madam/Sir,
I/We …………………………………………………………………………………..….(Applicant/guardian) hereby apply for opening of an account under

th
……………………(Savings/RD/ 1,2,3,5 Years TD/MIS/SCSS/PPF/SSA/KVP/NSC VIII Issue)scheme in your Post office in my/our name(s)/in
the name of minor or person of unsound mind.
(i) Additional Facilities available (For Post Office Savings Account) (a) Cheque Book required:- , (b) IPPB A/C
(c) Aadhaar Seeding ATM Card Internet Banking Mobile Banking (Prescribed form to be enclosed)
(d) Insurance/Pension products: - PMSBY PMJJBY APY (Prescribed form to be enclosed)
(ii) Account Holder Type: - Self Minor through Guardian Person of unsound mind through guardian.
(iii) Account Type: - Single Either or Survivor (Joint B) All or Survivor(s) (Joint A)
1. In case of account opened in the name Minor/ Person of unsound mind.
Name of Minor/ Person of unsound mind Date of Birth(DD/MM /YYYY) in words Gender Name of Guardian, Relationship and
(M/F/O) status – Natural or Legal
1.
2. Details of proof of age of minor along with
its date of Issue and Issuing Authority
(In case of SSA A/c Birth Certificate is mandatory)
2. I/We tender herewith Rs………………../-(Rs………………………………………………………………………………………………………………(In words) in
cash/DD/Cheque No………………… date……………. as initial deposit. My/Our particulars are as under:-
st nd rd
Particulars 1 Applicant 2 Applicant 3 Applicant
Name of the Applicant/ Guardian
Name of Husband/ Father/ Mother
Gender (M/F/O)
Date of Birth (DD/MM/YYYY)
and In words (mandatory)
Aadhaar Number
PAN Number*
CIF ID (existing A/Cs holders)
Present Address:-
House/Locality/Village & Post
Office/City/District/ State/Pin Code
Permanent Address:
House/Locality/Village &Post Office/ City/
District/ State/Pin Code
Telephone No./Mobile No.*
E-mail ID
ID Proof
Authority)
Address Proof
Authority)
For SCSS Account details of proof of age
(Doc. No.,issue Date and Issuing Authority)
(If Aadhaar Card/proof of enrolment of Aadhaar is not provided, any of the following documents can be accepted as valid documents for the purpose of identification
and address proof) :- 1. Passport 2.Driving license 3. Voter’s ID card 4. Job card issued by Mnregs signed by the State Government officer 5. Letter issued by the
National Population Register containing details of name and address.
Note:- As per PMLA Act-2002, if balance/investment in all accounts are 10 Lakh & above, customer has to submit copy of document showing source of receipt of
funds tendered for investment.
Specimen Signatures
1……………………………..1………………………………..1………………………………..
2……………………………..2………………………………..2………………………………..
3……………………………..3………………………………..3………………………………..
Name:-………………………………Name:-………………………………….Name:-……………………………………………
3. Declarations
General:-(1) I/We hereby undertake to abide by the scheme provisions and Government Savings Promotion Rules, 2018 applicable
on the Scheme and amendments issued thereto from time to time.
(Details available at https://www.indiapost.gov.in/VAS/Pages/RTI/RTI-Manual-5.aspx)
(2) I/We further declare that I/We/Minor/person of unsound mind is/are Resident citizen of India and undertake to inform the
account office of any change in My/our residency/citizenship status in future.
(3) I hereby agree that account will be operated by me till account holder attained age of 18 years and thereafter, account holder will
operate the account. (In case of SSA and Minor Account opened through Guardian).
(4) In case services of SAS/MPKBY Agent are taken: -
Name of Agent …………………………………… Authority No…………………….Date of validity……………………………
(5) Standing Instruction (i.e. MIS to SB, SB to RD etc.) if any……………………………………………………………………………………………………
TD :- Extension/Renewal of account required after maturity :-
SSA :- I hereby declare that no other account has been opened under Sukanya Samriddhi Account in the name of the depositor in
any of the Post office/Bank in the country.
PPF :-(1) I hereby declare that no other account has been opened under Public Provident Fund Account in the name of the
myself/minor in any of the Post office/Bank in the country.
(2) I further declare that I will abide by the ceiling of maximum deposit in the accounts opened in my name and in the name of
minors as per provision of the scheme and any deposit in excess of the ceiling will be treated as in contravention to the Scheme
provisions.
MIS/SCSS :- I/We hereby declare details of my/Our existing accounts* as on today under “National Savings Monthly Income
Account/ Senior Citizen Savings Scheme” in any of the Post Office/Bank in the country.
Sl.No. Name of Scheme Date of opening Amount Customer Identification Account Name of Post
(MIS or SCSS) of account deposited Number (CIF No.) Number Office/Bank
1
2
*If number of accounts is more, details of all accounts should be filled and attached as annexure duly signed.
Please tick (√) the appropriate box
Date:- Signature or thumb impression of Applicant(s)/Guardian
4. Nomination
I/We…………………………………………..hereby nominate the person(s) mentioned below to whom to the exclusion of all other persons in
the event of my death the amount standing to my credit in ……………………………………..(Name of Scheme) at the time of my death
would be payable.
S.No. Name(s) of the Full Aadhaar number Date of birth of nominee Share of Nature of
nominee(s) and address of nominee in case of minor nominee entitlement entitlement
relationship (s) (optional) Trustee or owner
1
2
3
4
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I/We appoint
Shri/Smt/Kumari……………………………………………………………………S/o,D/o,W/o………………………………………………………………………………..
Address……………………………………………………………………………………………………………………………………………………………………………………to
receive the sum due under the said account in the event of my/Our death during the minority of the nominee(s).
(In case, applicant(s) is/are illiterate)
Name & Address…………………………………………………………………………………………………………………………………………………………………………..
Name & Address…………………………………………………………………………………………………………………………………………………………………………..
Place:
Date: Signature or thumb impression of Applicant(s)/Guardian
I have carefully examined this application and Identification as well as address proof documents submitted. Opening of account is
approved.
Account has been opened in the name of………………………………………………………..with Rs……………………on…………………….. (Date) under
……………..scheme vide A/c No. …………………………………………… dated ……………………………..
Nomination registration details:-
Date Stamp Signature of GDS Branch Post Master Date Stamp Signature of Sub/Asst./Head Post Master
Name Stamp of EDBO Designation stamp
SB-ATM1
POST OFFICE SAVINGS BANK
ATM Card/Internet/Mobile/SMS banking service request form
Please fill the application in block letters only
Post Office______________________Date_____________(dd/mm/yyyy)
* Primary
*CIF ID
Account ID
1. *Applicant’s Name
First Name
Middle Name
*Last Name
2. *ATM Card required for (please tick √ the relevant box)
(a) Self (b) Joint “B” Account Holder (c) Not Needed
3. * Please provide the below details:
Mobile Number PAN Number

Email ID
Date of Birth(DD-MM-YYYY) Mother’s Maiden Name
4. *Please tick relevant requirement from below options
Tick √ the relevant

Sl No Request type
option
a. Instant ATM Card
New Personalized ATM card (or) Replaced Personalized ATM card New request
b. Name to be printed on the card (Not exceeding 21 characters including space) Replacement
request
c. Replacement with Instant ATM card
d. ATM card PIN request
ATM card hot-listing / closure request (Provide last 4 digits of the card number
e.
for closure only)
f. Internet Banking and Mobile Banking
g. Internet Banking
h. SMS Banking
Provide SB Account IDs to be linked
Linking of Secondary accounts existing active ATM card
i. 1
(Should be done once primary account card is activated)
2
Note : For availing Mobile Banking services, Internet Banking is mandatory.
(* marked fields are Mandatory fields)

Declaration
I/We declare that above information is correct. I/We authorize Department of Posts to debit/ recover the charges as applicable
from time to time from my/our account for withdrawals using my ATM Card or Internet/Mobile/SMS Banking. I/We undertake to
maintain sufficient funds excluding the minimum balance stipulated in my account. I/We will accept full responsibility for
transactions done through my/our ATM Card or Internet/Mobile/SMS Banking and agree not to make claims against Department
of Posts.
Terms and conditions for Internet/Mobile/SMS banking:I/We have read the provisions contained in the terms and conditions
document available in India post internet banking website and I/We agree that transactions executed over India post internet
/Mobile /SMS banking using my/our user ID and password will be binding on me/us.
Terms and conditions for ATM card usage: -I/We agree to the terms and conditions printed below.
Terms and Conditions for usage of DOP ATM card
The Terms and Conditions under which the DOP ATM Card has been issued are mentioned below for your guidance.
(a) Terms used here
 DOP refers to Department of Posts.
 Card means DOP ATM Card issued to customer.
 Cardholder means customer who has been issued DOP ATM Card.
 PIN mean a 4-digit number allotted to the card holder.
(b) Card
 The Card is the property of DOP and shall be returned unconditionally and immediately to DOP upon request by DOP.
 DOP reserves the right to cancel the Card and stop its operations unilaterally without assigning any reason.
 The Card is non- transferable.
 PIN/OTP: The Cardholder acknowledges, represents and warrants that the PIN/OTP provides access to the designated account(s) and that the Cardholder accepts the
sole responsibility for use, confidentiality and protection of the PIN/OTP, as well as for all mandates and information changes entered in to the account using such
PIN/OTP. The Cardholder shall not record the PIN/OTP in any form so as to protect the PIN/OTP from falling into the hands of a third party. The Cardholder grants
express authority to DOP for carrying out transactions and instructions authenticated by the PIN/OTP and shall not revoke the same. DOP has no obligation to verify the
authenticity of the transaction instruction sent or purported to have been sent from the Cardholder other than by means of verification of the Cardholder's PIN/OTP. The
Card, therefore, should remain in Cardholder's possession and should not be handed over to anyone else. The Card is issued on the condition that DOP bears no liability
for the unauthorized use of the Card. This responsibility is fully that of the Cardholder. Further DOP will not be responsible for any loss either direct or indirect on
account of ATM failure/malfunctioning.
(c) Loss of Card
 The Cardholder should immediately block the Card through the available channels (i.e., through call centre or any DOP Branch)
 The Cardholder is responsible for the security of the Card and shall take all steps towards ensuring the safekeeping thereof. Further, in the event, DOP determines that
the aforementioned steps are not complied with, financial liability on the lost or stolen Card would rest with the Cardholder.
 Fresh Card will be issued in replacement of lost/damaged Card.
 DOP has the authority of the Cardholder to debit the designated account of the Cardholder for all withdrawals and payments effected by or purported to be effected by
the Cardholder using the Card, as evidenced by the records, which will be conclusive and binding on the Cardholder. The Cardholder expressly authorizes DOP to debit
the designated account with service charges (if any) notified by DOP from time to time. Please visit www.indiapost.gov.infor the updated service charges.
(d) Transactions:
 The transactions record generated by an ATM or POS terminal/e-Commerce will be binding on the Cardholder and it will be conclusive unless verified otherwise and
corrected by DOP. The verified and corrected amount will be binding on the Cardholder.
 Closing of Accounts: The Cardholder wishing to close the designated account and surrender the Card will first have to give application in writing and surrender the Card
along with the application.
 Validity of Card: The validity of the Card is printed on the face of the Card. The Card is valid through to the last date of the month of expiry.
 Renewal of Card: DOP will automatically renew the card, free of cost on it’s expiry.
 Help line : For more information and help, please call DOP's tollfree number i.e. 1800-425-2440. Toll free numbers are accessible from all landlines and mobile phones in
the country.
 Transaction charges: The Cardholder's account is liable to be debited with the additional charges for transaction(s) made at ATMs owned by the banks other than DOP
beyond the permissible limits. Please visit www.indiapost.gov.in for the updates.
(e) Fees and Charges:
 The annual fee for the Card will be debited to the primary account linked with the Card on application/renewal at DOP’s preva iling rate. The fee is non-refundable. The
cardholder shall maintain at all times such minimum balance in the designated account, as DOP may stipulate from time to time. DOP reserves the right at any time to
charge the cardholder for the issue or reissue of a Card and/or any fee/charges for the transactions carried out by the cardholder on the Card.
(f) Additional Terms
 DOP reserves the right to introduce new facilities or remove existing facilities as and when warranted, without assigning any reasons thereof. DOP may, at its discretion,
refuse any application for the Card without assigning any reason. Fee charged (if any) for the use of the Card is non-refundable under any circumstances. DOP has the
right to withdraw the privilege attached to the Card and to call upon the Cardholder to surrender the Card through any representative of DOP, without assigning any
reason.
 Use of the Card shall be terminated without notice, upon receiving intimation of the death, bankruptcy or insolvency of the Cardholder or on receipt of a letter from any
one of the joint account holders changing the operative clause, receipt of an attachment order from a Competent court or revenue authority or from RBI due to violation
of FEMA/Exchange Control Regulations, or for other valid reasons or when the whereabouts of the Cardholder become unknown to DOP due to any cause attributable to
the Cardholder.
 The ATM service is for withdrawing cash against the balance that is already available in your account. It is therefore the Cardholder's obligation to maintain sufficient
balance in the designated account to meet cash withdrawals and service charges. DOP at its absolute discretion may amend the Terms and Conditions governing ATM
services.
Date:- Signature of the applicant

For Office Use only
Certified that the customer submitted the application in person across the counter and KYC
documents, signature and photograph of the customer are duly verified and updated at CIF level.
Please collect fresh KYC and get it uploaded, if photograph and signature are not available in CBS.
SOL ID _________________
Type of Request Type of service Maker User ID Checker User ID
ATM related services
Internet/Mob/SMS Banking
Date Stamp of Post Office Signature of Chief/Sr./Head/Sub Postmaster

SB/CQE-4
Department of Posts
APPLICATION FOR AVAILING CHEQUE FACILITY/ISSUE FRESH CHEQUE BOOK IN POST OFFICE SAVINGS
ACCOUNT
To,
The Postmaster
…………………………………….. (Post Office)
(1) *(a) Please permit me/us to avail of the cheque facility in my savings account.
(b) Issue fresh cheque book for my/our PO Savings Account No. …………………………………………………..
standing open at your office with a balance of Rs. …………………………………. My Mobile No. is
…………………………………………………………
2. I/we hereby declare that I/we have read the conditions governing the facility of cheque system in the
Post Office Savings Bank Accounts as laid down in relevant rule of Post Office Savings Account Rules
2019 and Appendix-II of POSB (CBS) Manual and that I/we accept all the aforesaid conditions, and such
amendments thereto as may be issued from time to time, as binding upon me/us.
*3. The applicable charges (if any) Rs…………………….has been deposited vide receipt no.
………………………………… dated …………………..
*4. Please send cheque book to me by registered post at the following address and deduct charges for
registered post from my Savings Account :-
**5. I/we hereby submit my/our updated Identity and Address proof documents and photograph.
Date: - Signature(s) of the Depositor(s)

*strike out, if not applicable. Name of depositor(s)
** If ID, Address Proof and photograph already updated, then there is no need for fresh documents.
TO BE FILLED IN BY POST OFFICE
Certified that, Mobile number and KYC document of depositor(s) is/are updated in Finacle Application.
Cheque Book to Account No. ……………………………………… containing …………………………………Cheques with
Cheque Nos…………………………………………to ……………………………………….. issued on ………………………….
Initials of Counter Assistant Signature of Postmaster

ACKNOWLEDGEMENT OF DEPOSITOR(S) FOR CHEQUE BOOK
I/we hereby acknowledge receipt of the Cheque Book containing cheques No. ……………………… to
………………………………. which I/we have counted and found correct and in proper serial order.
Date: - Signature of Depositor(s)

or
Cheque Book has been dispatched by Registered letter no. …………………………………. dated ……………….
Date:- Signature of Postmaster

SB-EXT1
Application for extension of RD/TD/PPF/SCSS Account
To,
The Postmaster
…………………………………………………
Sir,
1. I/We________________________________________is/aredepositorof
AccountNumber_____________________under …………………( Recurring
Deposit/National Savings Time Deposit Scheme for 1/2/3/5 years/ Public
Provident Fund/ Sr. Citizen Savings Scheme) in your office. The said account was
opened on__________________and has/will mature on______________for payment.
2. I/We hereby request for extension of the account for a further period of ______
year(s) in case of RD and TD/Block period of 5years in case of PPF/Block period of 3
years in case of SCSS, as per applicable scheme provisions from the date of
maturity of the above said account.
3. I/We have understood the terms and conditions applicable to the account during
the period of extension under the said scheme as amended from time to time and
shall abide by them.
4. I/We hereby declare that I/We, and the minor( in case of minor account)
continues to be Resident Citizen of India at the time of commencement of the
extension period.
Place:
Date: Signature of the account holder(s)/guardian
(Name and address)
For the use of Post Office
The account no. …………………. which was opened on ……………………with Rs.

……………..(Rupees ………………………………….) under ……………………. (Name
of scheme) and matured on ……………….., has been extended for a period of
…………… years with effect from ……………….. to ………………… under scheme
provisions.
Necessary entries have been made in the records and pass book/deposit receipt/
statement of account.
Place:
Date: Signature of Postmaster
Seal
SB-KYC
POST OFFICE SAVINGS BANK
NEW/CHANGE KYC (Know Your Customer) Form
(to be sent to respective CPC)
Signature Recent Photograph
Applicant(1)
Name:- (1)
CIF ID No.
(2)
Account /Registration No.
Applicant(2)
Name:- (1)
CIF ID No.
Account /Registration No. (2)

Applicant(3)
Name:- (1)
CIF ID No.
Account /Registration No. (2)
Please fill all the information below in case of new account and only relevant information in case of change in
KYC.
Name (in Capital letters)
Flat/House Number Locality
Road Landmark
Village/Town/City District
Pincode State
Mobile Number Email ID
Aadhar number PAN Number
I do hereby submit photo copy of the following documents (self attested) for the proof of:-
Proof of identity (doc.no./date/issuing authority)
Proof of address (doc.no./date/issuing authority)
I do hereby solemnly declare that the information provided above with respect to my account is up to date and
correct.
Signature/Thumb impression:- 1st Applicant 2nd Applicant 3rd Applicant

(in case of Joint A/c, all applicants have to sign)
FOR OFFICE USE ONLY
Certified that I have verified the documents submitted with this application form and confirm that KYC norms
are fully complied with.
Signature of GDS BPM Signature of SPM Signature of Postmaster

Date:-
Date Stamp
izk:i&5
¼ljdkjh cpr lao/kZu fu;e] 2018 dk fu;e 13 ns[ksa½
jk"Vªh; ¼avYi½ cpr ;kstuk ds v/khu [kkrs ds LFkkukarj.k ds fy, vkosnu
lsokesa]
Mkdiky@izca/kd
------------------------------------
------------------------------------
egksn;]
esSa@ge vuqjks/k djrs gaS fd ----------------------------------------------------------------------------- ¼;kstuk dk uke½ ds

v/khu esjk@gekjk [kkrk la[;k -------------------------------------------------------------------------------- esa --------------------------------------------------
---------------------------------------------------------- ¼’kCnksa esa½ dh tek jkf’k@tek ’ks"k gS tks ----------------------------------------------------------
------------------ ¼ys[kk dk;kZy; dk uke½ dh cgh esa gS] mls --------------------------------------------------------------------- ¼ys[kk
dk;kZy; dk uke½ dh cgh esa LFkkukarfjr fd;k tk, A
2- ewy :i esa ikl cqd@tekjlhn@[kkrk fooj.k layXu gS A
rhu uewuk gLrk{kj uhps fn, x, gS %&
rkjh[k %----------------------------------------------------- tekdrkZ@tekdrkZvksa ds gLrk{kj
uewuk gLrk{kj tekdrkZ@tekdrkZvksa ds uke vkSj irk
1--------------------------------------------------------------
2-------------------------------------------------------------
3------------------------------------------------------------
Mkdiky@izca/kd }kjk izfrgLrk{kfjr
ikorh
---------------------------------------------------------------------------- ds uke ij ------------------------------------------------¼;kstuk dk

uke½ [kkrk la[;k ------------------------------------------------------------------------------- ¼ ys[kk dk;kZy; dk uke½ dh cgha esa ---------
---------------------------------------------- ¼:Ik;s ------------------------------------------------------------------------------------------------½ ds LFkkukarj.k ds
fy, vkosnu izkIr gqvk gS A fooj.k@iklcqd esa izfof"V@tekjlhn@[kkrk ds fooj.k dh tkap dh xbZ
gS vkSj bls [kkrk/kkjd@/kkjdksa dks okil fd;k tkrk gS A
rkjh[k Mkdiky@izca/kd ds gLrk{kj ------------------------------------------------------------
eqgj ys[kk dk;kZy; dk uke -------------------------------------------------

izk:i&7
jk"Vªh; ¼vYi½ cpr ;kstuk ds v/khu [kkrk fxjoh j[kus gsrq vkosnu
lsokesa]
Mkdiky@izca/kd
---------------------------------------------
----------------------------------------------
egksn;]
1- eq>s@gesa ---------------------------------------------------------------------------------------------------------------------------------- ¼jktif=r

vf/kdkjh dk inuke ;k Hkkjrh; fjtoZ cSad ;k vuqlwfpr cSad] lgdkjh cSad] iathd`r lgdkjh lkslk;Vh]
fuxe] ljdkjh daiuh ;k LFkkuh; izkf/kdj.k dk uke½ ds ikl izfrHkwfr ds :i esa -------------------------------------------
----- :i;s dh jkf’k tek djus dh vko’;drk gS A vr% eSa@ge] vkils --------------------------------------------------------
¼;kstuk dk uke½ ds v/khu [kkrk la[;k ------------------------esa ----------------------------------------------------------tekjkf’k dks
¼vf/kdkjh dk ljdkjh inuke ;k ‘’kk[kk dk uke vkfn ftlds ikl izfrHkwfr ds :i esa [kkrs dks fxjoh
j[kk tk jgk g½] ds i{k esa izfrHkwfr ds :i esa LFkkukarfjr djus dk vuqjks/k djrs gS A
2- eaS@ge lger gSa fd [kkrk@[kkrksa dks izfrHkwfr tCr gksus ij fxjohdrkZ ds }kjk]
udnhdj.k fd;k tk ldrk gS A [kkrs esa iathdj.k la[;k ------------------------------- }kjk fd;k x;k ukekadu
fujLr gqv eku fy;k tk;sxk A
[kkrs dk fooj.k
[kkrk la[;k rkjh[k ys[kkdk;kZy; dk uke jkf’k
mi;qZDr izkf/kdkjh us fxjoh Lohdkj djus ds fy, lgefr ns A fxjohdrkZ ds :i esa l{ke izkf/kdkjh
}kjk fof/kor~ gLrk{kfjr fxjoh dh Lohd`fr layXu gS A
rkjh[k %& tekdrkZ (vks)a ds gLrk{kj

irk ---------------------------------------
dsoy dk;kZy; ds mi;ksx ds fy;s
[kkrk la[;k -------------------------------------------------------- iathdj.k la[;k ------------------------------------------------ rkjh[k -------------
------------------------------}kjk fxjoh j[kk x;k gS vkSj fjdkWMZ esa vko’;d izfof"V;ka dj nh xbZ gaS A
iklcqd@tek jlhn@[kkrk fooj.k esa Hkh fxjoh ds lac/a k esa izfof"V dj yh gS vkSj [kkrk/kkjd dks ykSVk
fn;k x;k gS A
rkjh[k%& Mkdiky@izca/kd ds gLrk{kj

eqgj
izk:i 10
jk"Vª h; ¼vYi½ cpr ;kstuk ds v/khu [kkrs es ukekadu ds fujLrhdj.k vkSj ifjorZu gsrq vkosnu
Mkd?kj dk uke -------------------------------------------------- [kkrk la[;k -------------------------------------------------------------------------------

;kstuk dk uke -----------------------------------------------------
lsok es]a
Mkdiky
-----------------------------------------------------
-------------------------------------------------------
eSa@ge ------------------------------------------------------------------------------------ (vOk;Ld@fod`rfpRr O;fDr dk uke) ds laj{kd gksus ds
ukrs esjh@gekjh@vO;Ld dh @fod`rfpRr O;fDr dh dh e`R;q gksus dh dh fLFkfr esa mDr [kkrk can d;s tkus ls iwoZ]
es tek jkf’k izkIr djus gsrq fuEufyf[kr O;fDr¼;ks½a dks ukfer djrk gw@ a djrs gSa A
dze la[;k ukekafdr/ iwjk irk ukferh@ukfefr;ksa ukekafdr dh gdnkjh dk gdnkjh dk
ukekafdrks ds dh vk/kkj la[;k tUefrfFk fgLlk Lo:i
uke rFkk ¼ vO;Ld ds U;klh ;k
tekdrkZ ds ekeys esa½ Lokeh
lkFk laca/k
2- Pwfa d Åij fofufnZ"V dze la[;k ----------------------------- ij n’kk;kZ x;k ukferh vO;Ld gS@gSa] ukferh@ukfefr;ksa ds
vOk;Ld jgus ds nkSjku esjh e`R;q gksus dh n’kk esa mDr [kkrs ds v/khu ns; jkf’k dks izkIr djus ds fy, eS
Jh@Jherh@dqekjh -------------------------------------------------------------------------------------------------- iq=@iq=h@iRuh@ ----------------------------------------------------
------------------------------- irk-----------------------------------------------------------------------------------------------------------------------------------dks fu;qDr djrk gw@
a djrs gSa A
mi;qZDr ukekadu fuEukuqlkj izHkkoh gksxk
;g ukekadu iathdj.k la[;k ----------------------------------------------------- rkjh[k ------------------------------------- dks mDr [kkrs ds

laca/k es fd, x, ] igys ds ukekadu dks fujLr djrk gw@ a gSa A
;k
mDr [kkrs ds lac/a k esa igys dksbZ ukekadu ugha fd;k x;k gS A
iklcqd@tek jlhn@[kkrk fooj.k layXu gS A
fnukad%& tekdrkZ@tekdrkZvksa ds gLrk{kj@vaxwBs dk fu’kku
(vaxwBs dk fu’kku ml O;fDr }kjk lR;kfir fd;k tkuk pkfg, ftlls Mkd?kj ds dkfeZd ifjfpr gks)
vfHklk{kh
1- uke -----------------------------------
irk--------------------------------------
gLrk{kj --------------------------------
2- uke ---------------------------------------
irk ---------------------------------------
gLrk{kj -----------------------------------------\
dsoy dk;kZy; mi;ksx ds fy,
ukekadu dk iathdj.k dze la[;k ----------------------------------------------------- ij fnukad -------------------------------- dks fd;k

x;kA
fnukad%& Mkdiky ds gLrk{kj ,oa eksgj
izk:i&11
jk"Vªh; ¼vYi½ cpr ;kstuk ds v/khu ukferh@fof/kd mRrjkf/kdkfj;ksa }kjk e`rd tekdrkZ ds [kkrs dk fuiVku djus
gsrq vkosnu izi=
lsokesa]
Mkdiky
-----------------------------------
-----------------------------------
egksn;]
eSa@ge ------------------------------------------------------------------- LoxhZ; Jh@Jherh -------------------------------------- tks ¼;kstuk dk uke½ ds

v/khu [kkrk la[;k@cpr i= -------------------------------------------------------- ds tekdrkZ Fksa] dk ukferh@fof/kd mRrjkf/kdkjh gwa@gSa]
mDr [kkrs es ae`rd ds uke tek lexz jkf’k dks vkgfjr djus ds fy, vkosnu djrk gwa@djrs gSa A vius nkos ds
leFkZu esa] eSa ,rn}kjk fuEufyf[kr nLrkost izLrqr djrk gwa%&
1- tekdrkZ ¼vksa½ dk e`R;q izek.ki=

2- tekdrkZ ¼vksa½ }kjk fu;qDr ukferh ¼vksa½ Jh@Jherh ------------------------------------------------------ dk Hkh e`R;q izek.k i= ¼***½
3- l{ke U;k;ky; ---------------------------------------------------------------- }kjk tkjh e`rd tekdrkZ ds izekf.kr bPNki= dh lR;kfir
izfr lfgr mRrjkf/kdkj izek.k i=@iz’klu ds i= ¼**½
4- {kfriwfrZ i= (*)
5- ’kiFk i= (*)
6- ’kiFki= ij vLohdj.k i= (*)
7- iklcqd@tek jlhn@[kkrk fooj.k
nkosnkj ¼jksa½ ds gLrk{kj@vaxwBs dk fu’kku
irk ---------------------------------------------------
eksckby u- ------------------------------------------------
¼nkosnkj@nkosnkjksa ds igpku i= o irs dk izek.k layaXu djs½a
xokg ¼1½ ----------------------------------------------------- gLrk{kj
eksckbZy u- ----------------------------------------------------------
uke vkSj irk-------------------------------------------------------------- ¼igpku i= rFkk irs dh Loizekf.kr izfrfyfi layXu djsa½
---------------------------------------------------------------------------------------
xokg ¼2½ ----------------------------------------------------- gLrk{kj

eksckbZy la[;k ----------------------------------------------------------
uke vkSj irk-------------------------------------------------------------- ¼igpku i= rFkk irs dh Loizekf.kr izfrfyfi layXu djsa½
---------------------------------------------------------------------------------------
xokgh Lohd`r dh xbZ
ofj- Mkdiky@Mkdiky@mi Mkdiky@thMh,l chih,y ds gLrk{kj

fnukad %&
rkjh[k %& ------------------------------------------------------------------

(*) : 5 yk[k rd ds nkoksa ds fy, ukekadu ds vHkko esa ] fof/kd mRrjkf/kdkfj;ksa }kjk izLrqr fd;k tk,xk A
(**) ;fn fof/k ekU; ukekadu gS] rks dkV nsa A
(***) ;fn ykxw ugha] rks dkV nsa A
dk;kZy; mi;ksx ds fy,
l{ke vf/kdkjh }kjk laLohd`fr Kkiu la[;k-----------------------------------------------fnukad ------------------------------------- ds rgr nkok la

Lohd`r fd;k x;k gSA ¼izfrfyfi layXu½
¼nkos dks fdlh iz’kklfud vf/kdkjh }kjk laLohd`r fd;k tkus ij bls Hkjk tk,½
: --------------------------------------------------------------------- ¼:Ik;s ----------------------------------------------------------------------------------------------- ek=½ dk vkgj.k

vFkok nkosnkj@nkosnkjksa ds uke cpr i=@[kkrs dk gLrkarj.k laLohd`r fd;k x;k gS A
Mkdiky@izca/kd ds gLrk{kj
rkjh[k --------------------------------------------
jlhn
¼nkosnkj ¼jks½a }kjk Hkjk tk,½
: ---------------------------------------- ¼vadksa esa½ --------------------------------------------------------------------------------------------------------¼’kCnksa esa½ psdla[;k --------------

---------------------------- fnukad ----------------------------------}kjk-@Mkd?kj cpr [kkrk la[;k -------------------------------vFkok cSad [kkrk la[;k ---
---------------------------------------¼ IFSC dksM½ esa varj.k }kjk esj@ s gekjs nkos ds iw.kZ fuiVku ds :i esa izkIr fd, A
;k
¼vkorhZ tek@lkof/k tek@cpr i=ksa ds ekeys esa½
dì;k mDr [kkrk@cpr i= dks esjs@gekjs uke ij gLrkarfjr fd;k tk;s ftlds fy, [kkrk [kksyus dk QkWeZ]
KYC QkWeZ rFkk KYC nLrkost layXu gSa A
rkjh[k %& nkosnkj ¼jksa½ ds gLrk{kj@vaxwBs dk fu’kku

¼vaxwBk fu’kku fdlh ,sls O;fDr }kjk vuqizekf.kr djk;k tk, ftllsa Mkd?kj ifjfpr gks½
izk:i&12
¼ljdkjh cpr laoa/kZu fu;e] 2018 dk fu;e 11 ns[ksa½
us=ghurk lfgr ’kkjhfjd v’kDrrk ls ihfMr tekdrkZvksa dh vksj ls jk"Vªh; cpr ;kstukvksa ds v/khu
[kkrk [kksyus ;k ifjpkyu gsrq izkf/kdkj i=
lsokesa]
Mkdiky@izca/kd
------------------------------
egksn;]
eSa@ge ----------------------------------------------------------------- ¼tekdrkZ dk uke½ ---------------------------------------------------------- ¼;kstuk

dk uke½ ds v/khu [kkrk la[;k -----------------------------------------------------dk@ds tekdrkZ Jh@Jherh@lqJh --------------
------------------------------------------------------------ iRuh@liq=@llqq=h ------------------------------------------------------------- ftl ij eSa
Hkjkslk djrk@djrh gwa vkSj ftldh QksVks rFkk gLrk{kj uhps lR;kfir fd, x;s gS] dks fuEufyf[kr
iz;kstuksa ds fy, mDr [kkrs dk lapkyu djus ds fy, izkf/kd`r djrk@djrh gwa A
izkf/kd`r O;fDr dh
1- QksVks fpidk,a A
2-
3-
7-
izkf/kd`r O;fDr ds uewuk gLrk{kj
1-
2-
3-
--------------------------------------------------- ---------------------------------------------
lk{kh ds gLrk{kj tekdrkZ ¼vksa½ ds gLrk{kj@vaxwBs dk fu’kku
vaxwBk dk fu’kku dks ml O;fDr }kjk lR;kfir fd;k tkuk pkfg, ftls Mkd?kj tkurk gks A
uke vkSj irk%
rkjh[k%-----------------------------
QkWeZ&13
‘
‘’kiFk i=
lsok esa]
Mkdiky
-------------------------------
-------------------------------
egksn;]
eSa@ge --------------------------------------------------------------------------------------------------------------------LoxhZ; -------------------------------------

-------------------------------¼e`rd tekdrkZ½ dk ifr@iRuh@iq=@iq=h] fuoklh -------------------------------------------------------------------
-----------------------------------------------------------------------,rn`}kjk ;g ?kks"k.kk rFkk fuEuor lR;fu"BkiwoZd iqf"V djrk
gw@a djrs gS %&
¼1½ fd dsoy eSa@ge ----------------------------------------------------------------------------------------------- gh LoxhZ; --------------------------------------

---------------------------------¼e`rd tekdrkZ½ ftudk nsgkUr ----------------------------------------------------- esa -------------------------------------------
-------------------------------dks gks x;k gS] dk mRrjkf/kdkjh gw@ a ds mRrjkf/dkjh gaS A eSa vdsyk@ge vdsys gh
LoxhZ; --------------------------------------------------- ¼e`rd tekdrkZ½ dh laink dk izfrfuf/kRo djrk gwa@djrs gS A
¼2½ fd LoxhZ; ----------------------------------------------------------------------------------------- ¼e`rd tekdrkZ½ us dksbZ olh;r ugha dh

gS vkSj blfy, dsoy eS@ge mDr e`rd tekdrkZ ¼vksa½ dh laink ds ,dek= mRrjkf/kdkjh gwa@gS A
1--------------------------------------------------------- ¼gLrk{kj½
2--------------------------------------------------------
3--------------------------------------------------------
4-------------------------------------------------------
vfHklk{kh
lR;kiu%& eSa@ge] --------------------------------------------------- (LFkku dk uke) es] mi;qZDr vfHklk{kh ,rn~}kjk

lR;fu"BkiwoZd iqf"V djrs gq, lR;kfir djrk gwa@djrs gS fd bl ’kiFki= esa fufgr lwpuk
esjh@gekjh tkudkjh ds vuqlkj lgh gS vkSj dksbZ Hkh rF; fNik;k ugha x;k gS A
fnukad%
1--------------------------------------------------------- ¼gLrk{kj½
2--------------------------------------------------------
3--------------------------------------------------------
4-------------------------------------------------------
vfHklk{kh
’kiFk vk;qDr@uksVjh ifCyd vuqizekf.kr

izk:i&14
nkok ifjR;kx i=
lsokesa]
Mkdiky
------------------------------
------------------------------------------
egksn;]
eSa@ge ------------------------------------------------------------------------------------------- LoxhZ; --------------------------------------------------------------------------

-----------------¼e`rd tekdrkZ½ dk ifr@iRuh@lqiq=@lqi= q h] fuoklh----------------------------------------------------------------------------------
?kks"k.kk vkSj fuEuor lR;fu"BkiwoZd iqf"V djrk gw@ a djrs gS %&
¼1½ fd LoxhZ; --------------------------------------------------------------------------- ¼e`rd tekdrkZ½ ----------------------------------------------------------------------

dks olh;r fd, fcuk vius ihNs dsoy eq>s@gesa vius mRrjkf/kdkjh ds :i esa NksMdj LoxZoklh gks x, gSaA
¼2½ fd eaS@ge ------------------------------------------------------------------------ LoxhZ; ------------------------------------------------------------------- ¼e`rd

tekdrkZ½ ds mRrjkf/kdkjh vius fy, rFkk gekjs mRrjkf/kdkfj;ksa] fu"ikndksa] izfrfuf/k;ksa vkSj lekuqnsf’k;ksa dh
vksj ls LoxhZ; ---------------------------------------------------------------------------------------- ¼e`rd½ ds mRrjkf/kdkfj;ksa dks ns; : ---------------------
--------------------------------- vfr’ks"k jde ij viuk nkok R;kxrs gaS] ftls esj@ s gekjs -----------------------------------------------------------
¼lac/a k crk,a½ Jh@Jherh@lqJh -------------------------------------------------------------¼nkosnkj½ }kjk crk, x, [kkrsa esa tek dj fn;k
tk, A gesa mijof.kZr [kkrk la[;k ------------------------------------------ esa tek ‘’ks"k jkf’k vkSj ml ij izkns ~Hkwr C;kt] ;fn
dksbZ gks] dk Hkqxrku Mkd?kj }kjk mDr Jh@Jherh@lqJh ------------------------------------------------------------------ ¼nkosnkj½ dks
fd, tkus ij fdlh izdkj dh dksbZ vkifRr ugha gS A
1----------------------------------------------------- gLrk{kj
2----------------------------------------------------
3---------------------------------------------------
vfHklk{kh
lR;kiu%eS@ge] mi;qZDr vfHklk{kh lR;fu"Bk iwoZd iqf"V djrs gq, lR;kfir djrk gwa@djrs gaS fd bl
’kiFki= esa fufgr lwpuk esjh@gekjh tkudkjh ds vuqlkj lgh gS vkSj dksbZ Hkh rF; Nqik;k ugha x;k gS A
rkjh[k% ----------------------------------------
vfHklk{kh
eSa vfHklk{kh¼;ksa½ dks igpkurk gwa ftudks eSa O;fDrxr :i ls ij tkurk gwa vkSj ftUgksus aesjs le{k gLrk{kj fd,
gaSA
rkjh[k%------------------------------------------------
vuqizekf.kr
’kiFk vk;qDr@uksVjh ifCyd

izk:i&15
¼ ljdkjh cpr lao/kZu fu;e] 2018 dk fu;e 15 ns[ksa ½
{kfriwfrZ i=
lsokesa]
Mkdiky
-----------------------------------------
------------------------------------------
egksn;]
1- iz’kklu ds i=ksa vFkok e`rd ------------------------------------------------------------------------------ ¼va’knkrk dk uke½ dh laink dk

mRrjkf/kdkj izek.ki= vFkok laink ’kqYd fu;a=d }kjk bl vk’k; dk izek.ki= fd laink ‘’kqYd dk Hkqxrku dj
fn;k x;k gS vFkok dj fn;k tk,xk vFkok dksbZ jkf’k ns; ugha gS] dks izLrqr fd, cxSj --------------------------------------------------
ds uke esa vkids ------------------------------------------------------------- ¼ys[kk dk;kZy; dk uke ½ ds ikl --------------------------------------------------
¼;kstuk dk uke½ esa [kkrk la -------------------------------------------------------- esa tek :-------------------------------------------- dh jkf’k eq>s@gesa --
-------------------------------------------------- ¼fof/kd mRrjkf/kdkjh¼;ks½a ds uke½ vnk djus vFkok vnk djus ds fy, lger gksus ds
izfrQy esa]
2- eaS@ge ------------------------------------------------------------------------------------------------- rFkk ge -----------------------------------------------------------------

¼izfrHkw½ lHkh nkoks]a ekax] dk;Zokfg;ks]a gkfu] uqdlku] izHkkjksa rFkk [kpsZ tks gq, gksa vFkok ;Fkk mi;qZDr eq>s@gesa
Hkqxrku djus vFkok Hkqxrku djus ds fy, lger gksus ds dkj.k vFkok ifj.kkeLo:Ik vkids }kjk fd, tkus ] ds
,ot esa Lo;a vkSj vius mRrjkf/kdkfj;ks]a fof/kd izfrfuf/ak;ksa] fu"ikndksa rFkk iz’kkldksa dh rjQ ls la;qDr :i ls
vkSj i`Fkd&i`Fkd vkidks rFkk vkids mRrjkf/kdkfj;ksa] vkSj leuqnsf’kfr;ks adks {kfriwfrZ djus dk opu nsrs gS vkSj
lger gksrs gSa A
3- ftldh xokgh ds fy, vfHklkf{k;ksa dh mifLFkfr esa ---------------------------------------------------------------------eSaus@geus o"kZ ------

----------------------------------------- ds -----------------------------------------------------------fnu blds fy, gLrk{kj fd, gSaA
e`rd ds mij mfYyf[kr mRrjkf/kdkjh@mRrjkf/kdkfj;ksa }kjk gLrk{kfjr vkSj lqiqnZ fd;k x;k A
mij mfYyf[kr izfrHkw }kjk gLrk{kj dj lqinq Z fd;k x;k
1----------------------------------------------------------
2-----------------------------------------------------------
vfHklkf{k;ksa ds gLrk{kj] uke o irs %
1------------------------------------------------------------------
2-----------------------------------------------------------------
lR;kfir
uksVjh ifCyd
,l-ch-&7 vkgj.k izi=
vkosnu Hkkx (tekdrkZ }kjk Hkjs tkus gsrq) Hkqxrku vkns’k (dsoy dk;kZy; mi;ksx gsr½q
fnukad
Mkd?kjdkuke…………………………………………. fnukad
ysu&nsu dzekad …………………………………
[kkrs dk izdkj (lacaf/kr Js.kh dk p;u djs)a : ,lch VhMh ,evkbZ,l ,llh,l,l ,u,l,l jkf’k ……………………………₹ (vadks aes)a
vU;----------------------------
…………………………………………………………………………………………….₹ (’kCnksa es)a dk
[kkrk la[;k Hkqxrku djsa A
Hkqxrku dk izdkj %& C;kt vkgj.k
dì;k eq>s ;k lan’s kokgd(ftudk uke vkSj gLrk{kj uhps fn, x, gSa) dks ……………………₹
(vadksa es)a ……………………………………………………………………………………..(’kCnks es)a rkjh[k eksgj Mkdiky ds gLrk{kj
dk Hkqxrku djsa A
vkgj.k ds i’pkr tek’ks"k -----------------------------------------: ¼’kCnksa es½a Hkqxrku i= ( tekdrkZ lans’kokgd }kjk Hkjk tk;s)
[kkrk/kkjd (dks)a @laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku ------------------------------------------------:- ¼vadks e½sa ------------------------------------------------------------------------------------------------------
lan’s kokgd ds gLrk{kj------------------------------------------------------------------- ----------------:- ¼’kCnksa esa ½ :i;s izkIr fd;s A
lan’s kokgd dk uke -----------------------------------------------------------------------
[kkrk/kkjd(dkas) ds gLrk{kj fnukad:- [kkrk/kkjd(dks)a @laj{kd@lUns’kokgd ds gLrk{kj ;k vaxwBs dk fu’kku

( ;fn Hkqxrku] lan’s kokgd ds ek/;e ls izkIr fd;k tk jgk gks½
uksV%Mkd?kj cpr [kkrs esa izR;{k ykHkkarj.k¼DBT) laca/kh ykHk izkIr djus ds fy, vk/kkj lhfMax pkfg, eksckby u. …………………………………… isu la[;k ]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]](;fn ykxw gks)
(fu/kkZfjr izi=Z layXu djs)a }kjk vuqizekf.kr …………………………………………………………………………………….(uke ,oa irk)
(vxqBa k fu’kku dh fLFkfr es)a
Mkd lgk;d ds vk/kk{kj Mkdiky ds vk/kk{kj
uksV %&dì;k bl QkWeZ ds lkFk ikl cqd izLrqr djsa A
,l-ch-&7, ifjiDork ij [kkrs dks cUn djus ds fy, vkosnu
vkosnu i{k (tekdrkZ }kjk Hkjk tk;s) Hkqxrku vkns’k fnukad
(dk;kZy; mi;ksx ds fy,)
Mkd?kj dk uke…………………………………………………. fnukad ysu&nsu l[;k %----------------------------------------------------
Hkqxrku&fooj.k
[kkrs dk izdkj: SB RD TD MIS SCSS PPF SSA KVP NSC ,Others…..
ewwy jde ₹sa………………………………………………………………………………………………………..
[kkrk la[;k
ns; C;kt(+):₹-……………………………………………………………………………………………………
lsokes]a vf/kd Hkqxrku fd;s x;s C;kt dh olwyh (-):-₹………………………………………………………………………..
iksLVekLVj…………………………………………………………………………………..Mkd?kj vU; dVkSrh (;fn dksbZ gks) (-):-₹………………………………………………………
Hkqxrku dh tkus okyh dqy jkf’k ₹…………………………………..(vadksa es)a
(1) eS@
a ge iklcqd izLrqr dj jgsa gS vkSj esjs@gekjs Åij mfYyf[kr [kkrs dks rkjh[k ------------------------------------------
-dks ifjiDo gksus ij cUn djus ds fy, vkosnu djrs gS A ₹……………………………..…………………………………………………………………………………….(’kCnks eas)
(2)dì;k -------------------------------------------------------------Mkd?kj esa fLFkr esjs cpr [kkrk la[;k ---------------------------------------------------

----------------es jde tek djsa A Mkdiky ds gLrk{kj
;k ikusokys ds [kkrs esa ns; psd tkjh djsa A rkjh[k eksgj
;k dì;k udn Hkqxrku djs ( ykxw gksxk ;fn jkf’k vuqK; s lhek ls de gS)
Hkqxrku i= ( tekdrkZ }kjk Hkjk tk;s)
*;g izekf.kr fd;k tkrk gS fd [kkrs dh jde tksfd thfor vkSj fo/keku vO;Ld@fod`rfpRrO;fDr ------------------------------------------------:-¼vadks e½sa -----------------------------------------------------------------------------------------------------------------------
]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]ds mi;ksx ds fy, visf{kr gS A ¼’kCnksa e½sa udn izkIr gq,@ psd la[;k ------------------------------------------------ fnukad --------------------------------------------
}kjk izkIr gq,@cpr [kkrk la[;k -----------------------------------------------------------------esa varfjr fd;sx;s A
[kkrk/kkjd(dksa)@laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku
}kjk vuqizekf.kr…………………………………………………………………………………………….(uke ,oa irk) eksckby la[;k. …………………………. [kkrk/kkjd (dks)a @laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku
(vxwBs ds fu’kku dh fLFkfr es)a
}kjk izekf.kr …………………………………………………………………………………………….(uke ,oa irk)
Mkd lgk;d ds vk/k{kj Mkdiky ds vk/k{kj fnukad (vxwBs ds fu’kku dh fLFkfr es)a
,l-ch-&7ch le;iwoZ [kkrk cUn djus ds fy, vkosnu
vkosnu i{k (tekdrkZ }kjk Hkjk tk;s) Hkqxrku vkns’k
(dsoydk;kZy; mi;ksx ds fy,) fnukad
Mkd?kj dk uke…………………………………………………. fnukad Hkqxrku&fooj.k ysunsu l[;k %--------------------------------------------------
[kkrs dk izdkj: RD TD MIS SCSS PPF SSA KVP ,Others…..
ewy jde ₹s…a ……………………………………………………………………………………………………..
[kkrk la[;k ns; C;kt(+):₹-……………………………………………………………………………………………………
lsokes]a vf/kd Hkqxrku fd;s x;s C;kt dh olwyh (-):-₹…………………………………………………………….
iksLVekLVj…………………………………………………………………………………..Mkd?kj ’kkfLr lfgr C;kt ;k vU; dVkSrh (;fn dksbZ gks) (-):-₹……………………………………………
Hkqxrku dh tkus okyh jkf’k₹…………………………………..(vadksa es)a
(1) eSa@ge] esjs@gekjs [kkrk la[;k -------------------------------------------------ftlesa ckdh ’ks"k ----------------------------------------------
(:i;s------------------------------------------------------------------------------------------------ek=) gS A dks le;iwoZ cUn djuk pkgrk gwa@pkgrs ₹……………………………..……………………………………………………………………….(’kCnksa es)
gaS vkSj uhps fn;s x;s C;kSjs ds vuqlkj ykxw ’kkfLr (;fn dksbZ gks) ?kVkus ds i’pkr jde dk lank;@Hkqxrku
djus dk vuqjks/k djrs gS A
(2)dì;k -------------------------------------------------------------Mkd?kj esa fLFkr esjs cpr [kkrk la[;k --------------------------------------------------- Mkdiky ds gLrk{kj
----------------es jde tek djsa A rkjh[k eksgj
;k ikusokys [kkrs esa ns; psd tkjh djsa A
Hkqxrku i= ( tekdrkZ }kjk Hkjk tk;s)
;k dì;k udn Hkqxrku djsa ( ykxw gksxk ;fn jkf’k vuqK; s lhek ls de gS)
------------------------------------------------:- ¼vadks e½sa ---------------------------------------------------------------------------------------------------------------------
(3).eaS @ ge ?kks"k.kk djrs gS fd] -----------------------------------------------------(;kstuk dk uke) ds v/khu [kksys x;s [kkrs dh
--¼’kCnksa e½sa udn izkIr gq,@ psd la[;k ------------------------------------------------ fnukad ----------------------------------------
og ’krs]Z ftuds v/khu ifjiDork ls iwoZ [kkrk cUn fd;k tk ldrk gS ] dk vuqikyu dj fy;k x;k gS A }kjk izkIr gq,@cpr [kkrk la[;k -----------------------------------------------------------------esa varfjr fd;s x;s A
;Fk ykxw vko’;d nLrost(;fn dksbZ gks) layXu gS %&
*;g izekf.kr fd;k tkrk gS fd [kkrs dh jde thfor vkSj fo/keku vO;Ld@fod`rfpRr O;fDr ]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]
ds fy, visf{kr gS A
[kkrk/kkjd(dks)a @laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku
eksckby la[;k. ………………………………..
[kkrk/kkjd(dksa)@laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku }kjk vuqizekf.kr …………………………………………………………………………………………….(uke ,oa irk)

(vxwBs ds fu’kku dh fLFkfr esa ykxw)
}kjk vuqizekf.kr…………………………………………………………………………………………….(uke ,oa irk)
(vxwBs ds fu’kku dh fLFkfr esa ykxw) fnukad
Mkd lgk;d ds vk/k{kj Mkdiky ds vk/k{kj

,l-ch-&7lh RD/PPF vkSj SSA [kkrs ls _.k@fudklh ds fy, vkosnu
vkosnu i{k (tekdrkZ }kjk Hkjk tk;s) Hkqxrku vkns’k (dsoy dk;kZy; mi;ksx ds fy,)
fnukad
Mkd?kj dkuke…………………………………………. fnukad
ysunsu dzekad …………………………………
[kkrs dk izdkj(lacaf/kr Js.kh dk p;u djs)a : RD PPF SSA [kkrs esa miyC/k jkf’k ₹ …………………………………………………………………
[kkrk la[;k vkjafHkd vfHknku dh rkjh[k …………………………………………………………………………
fiNys _.k@fudklh dh rkjh[k………………………………………………
eSa@ge -------------------------------------------------------------------------------- [kkrk/kkjd@laj{kd] esjs@gekjs mijfyf[kr [kkrs ls
_.k@fudklh ds fy, Lohd`r dh xbZ dqy jkf’k ₹……………………………(vadksa es)a
₹------------------------------------------------(vadksa es)a ---------------------------------------------------------------------------------------------------------( ’kCnks aes)a -
₹…………………………………………………………………………………………….(’kCnksa es)a
_.k@fudklh ds fy, vkosnu djrk gwa@djrs gSa A
*;g izekf.kr fd;k tkrk gS fd [kkrs dh jde tks fd thfor vkSj fo/keku vO;Ld@fod`rfpRr gSa
]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]ds mi;ksx ds fy, visf{kr gS A
2.dì;k _.k@fudklh dh jde-------------------------------------------------------------Mkd?kj esa fLFkr esj scpr [kkrk
la[;k -------------------------------------------------------------------es tek djsa A rkjh[k eksgj Mkdiky ds gLrk{kj
;k ikusokys [kkrs esa ns; psd tkjh djsa A Hkqxrku i= ( tekdrkZ }kjk Hkjk tk;s)
;k dì;k udn Hkqxrku dj (sa ykxw gksxk ;fn jkf’k 20000 : ls de gS)
3. eaS@ge izekf.kr djrk gw@djrs gS fd Ldhe ds v/khu _.k@fudklh iznku djus ds fy, ykxw
lHkh ’krksZ dk ikyu dj fy;k x;k gS A ------------------------------------------------:- ¼vadks e½sa ------------------------------------------------------------------------------------------------------
-----------------¼’kCnk½sa esa udn izkIr gq,@ psd la[;k ------------------------------------------------ fnukad ----------------
----------------------------}kjk izkIr gq,@cpr [kkrk la[;k -----------------------------------------------------------esa varfjr
‘;Fkk ykxw vko’;d nLrkost (;fn dksbZ gSs) layXu gS:- fd;s x;s A
[kkrk/kkjd (dks)a @laj{kd ds gLrk{kj ;k vaxBw s dk fu’kku
}kjk vuqizekf.kr …………………………………………………………………………………………….(uke ,oa irk) fnukad:- [kkrk/kkjd(dks)a @laj{kd ds gLrk{kj ;k vaxwBs dk fu’kku
(vxwBs ds fu’kku dh fLFkfr es)a eksckby la[;k. ……………………………………PAN la[;k ………………………………………..
}kjk vuqizekf.kr………………………………………………………………………………….(uke ,oa irk)
Mkd lgk;d ds vk/k{kj Mkdiky ds vk/k{kj (vxwBs ds fu’kku dh fLFkfr esa)
,l-ch-&41
MqIyhdsV ikl cqd tkjh djus ds fy, vkosnu
dze- fooj.k [kkrk /kkjd }kjk Hkjs tkus gsrq
la[;k
1 [kkrk la[;k vkSj jk"Vª h; ¼vYi½ cpr ;kstuk dk izdkj
2 [kkrs dk izdkj (vOk;Ld@fod`rfpRr O;fDr@,dy@la;qDr [kkrk)
3 Mkd?kj dk uke ftles [kkrk gS SOL ID lfgr
4 ;fn [kkrk ’kk[kk Mkd?kj esa gS] ’kk[kk Mkd?kj dk uke
5 [kkrk/kkjd@[kkrk/kkjdksa ds uke
6 ifr@ekrk@firk@laj{kd dk uke
7 [kkrk [kksys tkus ds le; [kkrk/kkjd dk irk
8 [kkrk/kkjd dk orZeku irk
9 [kkrk [kksys tkus dh rkjh[k rFkk Mkd?kj dk uke] tgkW [kkrk
[kksyk x;k Fkk ¼;fn mijksDr dze la[;k 3 lsvyx gks ½ A
10 [kkrs esa vfare ysu&nsu dh rkjh[k vkSj fooj.k
11 vafre ysu&nsu ds le; [kkrs esa vfr’ks"k
12 Mkd?kj dk uke] ftlesa [kkrk vafre ckj LFkkukarfjr fd;k x;k
Fkk A
13 iklcqd xqe gksus dh rkjh[k vkSj ifjfLFkfr;ka vkSj bldk irk
yxkkus ds fy, fd, x, iz;klks adk ifj.kke A
14 D;k iklcqd xqe gksus dh lwpuk iqfyl dks nh xbZ Fkh] ;fn gk]W
rks mldk ifj.kke A
15 fVIi.kh] ;fn dksbZ gks
1- mijksDr fooj.k esjh@gekjh tkudkjh ds vuqlkj lgh gS A dì;k MqIyhdsV iklcqd tkjh djsa A
2- eSa@ge bl iklcqd dks ykSVk nwx a k@nsaxs (;fn iklcqd QVh@[kjkc iklcqd dh ,ot esa tkjh dh tk jgh gks).
3- fu/kkZfjr Qhl dk Hkqxrku ( Rs. 50 + GST ) jlhn la[;k ------------------------------------------------- fnukad ds ek/;e ls fd;k x;k gS A
( ;fn ’kqYd ls NwV nh xbZ gks rks bls dkV ns )
uksV%&1- dsokbZlh nLrkostksa dh Lo&lR;kfir izfr;k alayXu djsa A
2. la;qDr [kkrs ds ekeys es alHkh la;qDr [kkrk/kkjdksa ds gLrk{kj vko’;d gSa A
[kkrk/kkjd (dks)a / laj{kd ds gLrk{kj ;k vaxwBk fu’kku
vkosnu esa fn;s x;s fooj.k dk lR;kiu fjdkMZ ds lkFk fd;k x;k gS A
miMkdiky@Mkdiky ds gLrk{kj vkSj eksgj
Hkkx-II
MqIyhdsV iklcqd tkjh dh tk ldrh gS @ ugha dh tk ldrh gS A

Mkdiky ds gLrk{kj vkSj eksgj
Hkkx-III
[kkrk la[;k -------------------------------------- ftlesa vfr’ks"k --------------------------------------------------------: gS] fnukad ---------------------------------------------- dks izkIr dh A
rkjh[k eksgj [kkrk/kkjd(dksa)/ laj{kd ds gLrk{kj ;k vaxwBs dk fu’kku
lk{kh (vf’kf{kr [kkrk/kkjd¼dksa½ dh fLFkfr es)a
lk{kh ds gLrk{kj
lk{kh dk uke vkSj iw.kZ irk --------------------------------------------------------
,lch&83
Mkd foHkkx
Lor% gLrkarj.k ¼LFkk;h funsZ’k½ dh lqfo/kk izkIr djus ds fy, vkosnu i=
lsok esa,
iksLVekLVj
……………………… Mkd?kj
egksn;]
eS@ge ------------------------------------------------------------------------------------- ,rn~}kjk ;g fuosnu djrk gw@
a djrs gS fd :-
* ¼v½ esjs@gekjs Mkd?kj cpr [kkrk la[;k ---------------------------------------------- ls : --------------------------dh jkf’k ¼uhps n’kkZ;h dqy
jkf’k½ dh fudklh dj uhps n’kkZ;s x;s esjs@gekjss vkorhZ tek [kkrs esa izfrekg tek dh tk, tks esjs@gekjs uke@esjs
ifr ;k ifRu@vkfJr cPps ds uke ls gS A
dze vkorhZ tek [kkrk tekdrkZ ¼vks½a dk uke ewY; oxZ jkf’k fnukad rd tek djsa A
la[;k la[;k
1
2
3
* ¼c½ uhps n’kkZ, esjs gekjs ekfld vk; ;kstuk@ofj"B ukxfjd cpr ;kstuk@lkof/k tek [kkrsa¼vks½a dh
ekfld@frekgh@okf"kZd C;kt jkf’k dks esjs@gekjs Mkd?kj cpr [kkrk la[;k ---------------------------------------------------es tek dj
fn;k tk;s A
dze ,evkbZ,l@,llh,l,l@VhMh tekdrkZ¼vks½ dk uke C;kt dh jkf’k

la[;k [kkrk la[;k
eS@ge ,rn~}kjk ?kks"k.kk djrk gw@

a djrs gS fd ftu ’krksZ ds v/;/khu Lor% gLrkarj.k lqfo/kk vuqeR; gS] os
esks@gekjs }kjk i< yh xbZ gS vkSj eSa@ge ihvks,lch¼lhch,l½ fu;e iqfLrdk] ihvks,lch fu;e iqfLdk [k.M A esa
mfYyf[kr lHkh ’krksZ dks Lohdkj djrk gw@ a djrs gS vkSj le; le; ij tkjh fd, x, ,sls lHkh la’kks/ku esjs
Åij@gekjs Åij ykxw gksx a s A lacaf/kr cpr [kkrk vkSj vkjMh@,evkbZ,l@,llh,l,l@VhMh [kkrksa dh iklcqd
layXu gSA
* ykxw u gks mls dkV ns A
fnukad % & ………………………. tekdrkZ ¼vks½ ds gLrk{kj

tf
,l-ch-&103 tek iphZ

Mkd?kj cpr cSad Mkd?kj cpr cSad
(tekdrkZ ds fy, ikorh)
……………………Mkd?kj [kkrs dk izdkj%& ,lch vkjMh VhMh ,evkbZ,l ,llh,l,l ihih,Q ,l,l, dsohih ,u,llh ,vU;…..
fnukad
[kkrs dk izdkj%& …….………………………………..…………Mkd?kj ysu&nsu la[;k :……………………………………………..
,lch vkjMh VhMh ,evkbZ,l ,llh,l,l ihih,Q ,l,l, dsohih
,u,llh , vU;….
[kkrk la[;k fnukad
[kkrk la[;k Jh@lqJh@Jherh ds uke iznr............................................................................................................................

:i, (’kCnksa es)a : …………………………………………………………….………………………………………..………………………………………….
Jh@lqJh@Jherh ds uke iznr..................................................
udn@fMekaM Mkª QV@psd la[;k ----------------------------------- fnukad -------------------------------------------(lek’kks/ku gksus ij)-
:i, (’kCnksa es)a :…………………………………………………………………………….. ₹..……….../
udn@fMekaM Mkª ¶V@psd la[;k……………………………………. cSad dk uke ……………………………………………………………’kk[kk dk uke vkbZ,Q,llh dksM ................................
fnukad:…………………………………… (lek’kks/ku gksus ij) tek dk C;kSjk :
-
cSad dk uke IFSC Code:…………………………………………………. vkjMh [kkrs dh fLFkfr es:a - ……………………ekg ds fy, A fjcsV dh jkf’k…………..…., fMQkYV dh jkf’k……………………..….
tek dk C;kSjk: ihih,Q@,l,l, [kkrs dh fLFkfre a:s -foRr o"kZ ds fy, …………………………………fMQkYV dh jkf’k…………………………-
vkjMh [kkrs dh fLFkfr esa :- ……………………………………. ekg ds fy, _.k iquHkqZxrku……………………………………… _.k ij C;kt ………………….
fjcsV dh jkf’k…………….fMQkYV dh jkf’k……………………….
ihih,Q@,l,l, [kkrs dh fLFkfr es a:-foRr o"kZ ds fy, ……………………………. rkjh[k eksgj
fMQkYV dh jkf’k…………………………………………
_.k iquHkqZxrku……………………………………… _.k ij C;kt ………………….
Mk-l-@m-Mk-ik-@xzk-Mk-ls- ’kk-Mk-ik- ds izk{kj tekdrkZ ds gLrk{kj
uksV%& Mkd?kj cpr [kkrs esa izR;{k ykHkkarj.k ¼DBT) lacaf/kr ykHk izkIr djus ds fy, vk/kkj lhfMax pkfg, (fu/kkZfjr QkWeZ layXu djsa)
eksckbZy l[;k ……………………………… LFkk;h [kkrk la[;k ]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]] (;fn vko’;d gks)
Mk-l-@m-Mk-ik-@xzk-Mk-ls- ’kk-Mk-ik- ds izk{kj
tekdrkZ dk uke ,oa irk …………………………………………………………………….. ……
,lch -cor [kkrk, vkjMh-vkorh tek, ,evkb,l- ekfld vk; ;kstuk, ,llh,l,l-ofj"B ukxfjd cpr ;kstuk, ihih,Q- yksd Hkfo"; fuf/k, ,l,l, –lqdU;k le`f} ;kstuk,VhMh-lkof/k tek(1/2/3/5 o"kZ), dsohih-fdlku fodkl i=, ,u,llh-jk"Vh`; cpr i= vkaBok fuxZe
SB-AOF
Mkd?kj cpr cSad
[kkrk [kksyus@cpr i= [kjhnus ds fy, vkosnu izi=
Mkd?kj ds mi;ksx ds fy,
Mkd?kj dk uke Tran-ID SOL ID ifjiDork dh rkjh[k
[kkrk la[;k CIF-ID (1)
vuqns’k: i). dì;k lacaf/kr ckWDl (√) dk p;u djs]a ] , ii) izi= LoPN v{kjks esa Hkjs rFkk iii) lacaf/kr nLrkostksa dh Loizekf.kr izfr;ka layXu djsa A
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
lsok es]a
Mkdiky
…………………………………………………
………………………………………………… vkosnd(dks)a dk QksVks vkosnd(dks)a dk QksVks vkosnd(dks)a dk QksVks
fpidk,a fpidk,a fpidk,a
egksn;,
eSa@ge…………………………………………………………………………………..….(vkosnd@vfHkHkkod) vkids Mkd?kj esa -------------------------------------------------
th
(Savings/RD/ 1,2,3,5 Years TD/MIS/SCSS/PPF/SSA/KVP/NSC VIII Issue) -;kstuk ds vUrxZr esjs@gekjs uke ls@vO;Ld ds uke ls@fod`rfpRr O;fDr
ds uke ls [kkrk [kksyus ds fy, vkosnu djrk gwa@djrs gaS A
(i)Mkd?kj cpr [kkrs ds fy, vfrfjDr lqfo/kk,a miyC/k (v) psd cqd pkfg, :- , ( c ) IPPB [kkrk
( l ) vk/kkj lhfMax ATM dkMZ baVjusV cSafdax eksckby cSafdax ( fu/kkZfjr izi= layXu djsa )
(n ) chek@is’ku mRikn : - PMSBY PMJJBY APY (fu/kkZfjr izi= layXu djs)a
(ii) [kkrs dk lapkyu :- Lo;a }kjk vO;Ld [kkrk laj{kd }kjk fod`rfpRr O;fDr dk [kkrk vf/kd`r O;fDr ds }kjk
(iii) [kkrs dk izdkj:- ,dy dksbZ ;k mRrjthoh (la;qDr c) lHkh ;k mRrjthoh(;ks)a (la;qDr v)
1. ;fn [kkrk vO;Ld ds uke ls @fod`rfpRr O;fDr ds uke ls [kksyk tkuk gS A

vO;Ld @fod`rfpRr O;fDr dk uke tUe dh rkjh[k fyax vfHkHkkod dk uke] laca/k vkSj
( fnu@ekg@o"kZ) ’kCnksa esa (iq@L=h@vU;) fLFkfr (izkd`frd ;k dkuwuh)
1.
2. vO;Ld dh mez dk izek.k] tkjh djus dh frfFk vkSj tkjh djusokyk

izkf/kdkjh A (SSA [kkrs ds ekeys esa tUeizek.k i= vko’;d gS)
2. eSa@ge ----------------------------------------------:i;s( ---------------------------------------------------------------------------------------------------------------------------:i;s (’kCnksaes)a ) udn@fMekM Mªk¶V@psd la[;k ------------------------

---------------------- fnukad ------------------------------------- }kjk vkjafHkd tek ds :i esa tek djrk gwa@djrs gS A esjk@gekjs C;kSjs fuEu izdkj gaa%S &
C;ksjs izFke vkosnd f}rh; vkosnd r`rh; vkosnd
vkosnd@laj{kd dk uke
ifr@ekrk @ firk dk uke
fyax(iq@L=h@vU;)
tUe dh rkjh[k
( fnu@ekg@o"kZ) ’kCnksa esa (vfuok;Z)
vk/kkj la[;k
LFkk;h [kkrk la[;k (PAN) *
CIF ID (ekStwnk [kkrk/kkjd ds fy,)
orZeku irk:-
edku u-@bykdk@xzk-,o aiks-@’kgj@ftyk@jkT;
@fiudksM
LFkk;h irk:-
edku u-@bykdk@xzk-,oa iks-@’kgj@ftyk@jkT;
@fiudksM
VsfyQksu@eksckbZy la[;k*
bZesy vkbZMh
Igpku dk izek.k
(nLrkost la[;k@tkjh djus dh rkjh[k@tkjh djus
okys izkf/kdkjh)
fuokl dk izek.k
(nLrkost la[;k@tkjh djus dh rkjh[k@tkjh djus
okys izkf/kdkjh)
SCSS [kkrs dh fLFkfr esv
a k;q dk izek.k (nLrkost la[;k
@tkjh djusdh rkjh[k@tkjh djus okys izkf/kdkjh)
( ;fn vk/kkj dkMZ@vk/kkj ukekadu dk izek.k miyC/k ugh djk;k x;k gS] rks fuEufyf[kr nLrkost igpku vkSj irs ds izek.k ds :i esa fof/kekU; nLrkost ds :i esa Lohdqr fd;s tk ldrs gS)
1. ikliksVZ 2. Mªk~kbfoax ykblsal 3.ernkrk igpku i= 4. eujsxkk }kjk tkjh] jkT; vf/kdkjh }kjk gLrk{kfjr tkWc dkMZ 5. uke vkSj irs ds C;kSjs lfgr jkf"Vª; tula[;k jftLVj }kjk tkjh i= )
uksV %&ih,e,y, vf/kfu;e 2002 ds vuqlkj ;fn tekdrkZ ds lHkh [kkrks esa tek jkf’k@fuos’k dh jkf’k 10 yk[k : ls vf/kd gksus ij ]tekdrkZ dks izkIr /kujkf’k dh izkfIr ds L=ksr ds nLrkostksa dh izfr
izLrqr djuh gksxa hA
uewuk gLrk{kj
1……………………………..1………………………………..1………………………………..
2……………………………..2………………………………..2………………………………..
3……………………………..3………………………………..3………………………………..
uke:-…………………………uke:-……………………………uke:-……………………………
3. ?kks"k.kk,a
lkekU;:-(1) eS@ge ;kstuk ij ykxw mica/kksa vkSj ;kstuk ij ykxw ljdkjh cpr lao/kZu fu;e&]2018] vkSj muesa le;≤ ij tkjh la’kks/kuks]a dk ikyu djus dk
opu nsrk gwa@nsrs gS A
(foLr`r fooj.k ;gka miyC/k gS https://www.indiapost.gov.in/VAS/Pages/RTI/RTI-Manual-5.aspx)
(2) eSa@ge ;g Hkh ?kks"k.kk djrk gw@ a djrs gS fd]eS@ge vkSj vO;Ld@fod`rfpRr O;fDr] Hkkjr ds fuoklh ukxfjd gS vkSj opu nsrk gwa@nsrs gaS fd Hkfo"; es fuokl
LFkku@ukxfjdrk ds cnyus dh n’kk esa [kkrk dk;kZy; dk slwfpr d:axk@djsx a sa A
(3) eS bl ckr ls lger gwa fd [kkrk esjs }kjk lapkfyr fd;k tk;sxk] tc rd fd [kkrk/kkjd 18 o"kZ dh vk;q izkIr ugha dj ysrk gS vkSj mlds ckn [kkrs dk
lapkyu [kkrk/kkjd }kjk fd;k tk;sxk A (SSA vkSj vO;Ld [kkrk] laj{kd }kjk [kksys tkus dh fLFkfr esa)
(4) ;fn SAS/MPKBY vfHkdrkZ dh lsok,a yh xbZ gks:-
vfHkdrkZ dk uke……………………………………,tsUlh la[;k…………………….oS/krk dh frfFk……………………………
(5) LFkk;h funs’Z k (tSls fd MIS ls SB, SB ls RD bR;kfn) ;fn dksbZ gks……………………………………………………………………………………………………
TD : - ifjiDork ds ckn [kkrs dk foLrkj@uohuhdj.k pkfg,
SSA:-eS ,rn~}kjk ?kks"k.kk djrk@djrh gwa fd ns’k ds fdlh Hkh Mkd?kj@cSad esa tekdrkZ ds uke ls lqdU;k le`f} [kkrk ugha [kksyk x;k gS A
PPF:-(1) eS ,rn~}kjk ;g ?kks"k.kk djrk@djrh gwa fd esjs@vO;Ld ds uke ls yksd Hkfo"; fuf/k [kkrk] ns’k ds fdlh Hkh Mkd?kj @cSad esa dks bZ vU; [kkrk ugha
[kkstk x;k gS A
(2 )eS ;g Hkh ?kks"k.kk djrk gwa fd eS]vius uke ls [kksys x;s [kkrs vkSj vO;Ld ds uke ls [kqys gq, [kkrs es] ;kstuk ds fu;ekuqlkj vf/kdre tek jkf’k dh lhek dk
ikyu d:axk vkSj vf/kdre fu/kkZfjr lhek jkf’k ls vf/kd tek jkf’k dks ;kstuk ds fu;eksa dk mYya?ku ekuk tk;sxk A
MIS/SCSS:- eS@ge ns’k ds fdlh Hkh Mkd?kj@cSad esa “jk"V~h; cpr ekfld vk; [kkrk@ofj"B ukxfjd cpr ;kstuk” ds v/khu vkt rd fo|eku vius [kkrks
dh ?kks"k.kk djrk gw@a djrs gaS A
dze ;kstuk dk uke [kkrk [kksyus dh tek jkf’k xzkgd igpku la[;k [kkrk la[;k Mkd?kj@cSad dk uke
la[;k (MIS ;k SCSS) rkjh[k (CIF No.)
1
2
*;fn [kkrksa dh la[;k vf/kd gks] lHkh [kkrksa dk fooj.k Hkjdj gLrk{kj lfgr vuqyXud ds :i esa layXu djsa A
dì;k lacaf/kr ckWDl (√) dk p;u djsa A
fnukad:- vkosnd(dks)/laj{kd ds gLrk{kj ;k vazxwBk Nki
4. uke funs’Z ku
eS@ge fuEufyf[kr O;fDr(vkas) dks ukfer djrk gwa@djrs gaS] ftudks esjh@gekjh e`R;q dh n’kk esa vU; O;fDr;ksa dks vioftZr djds --------------------------------------------------------------
(;kstuk dk uke) esa tek jde esjh e`R;q mijkUr lanr~r ¼Hkqxrku½ dh tk,xh A.
dze ukferh@ukfefr;ksa dk uke iwjk irk (irs) ukferh ¼;ks½a dk vk/kkj vO;Ld ds ekeys esa ukferh gdnkjh dk va’k gdnkjh dh izd`fr
la[;k vkSj laca/k la[;k (oSdfYid) ds tUe dh rkjh[k U;klh ;k Lokeh
1
2
3
4
Pwafd dze la[;k (dks)a --------------------------------ij fofufnZ"V ukferhvO;Ld gS] esa@ge]Jh@Jherh@dqekjh ----------------------------------------------------------- iq=@iq=h@iRuh -------------------
--------------------------------------- fuoklh ------------------------------------------------------------------------------------------------------------------ dks ukferh¼;ks½a dh vO;Ldrk ds nkSjku esjh e`R;q dh n’kk esa mDr [kkrs ds
v/khu ns; jkf’k dks izkIr djus ds fy, fu;qDr djrk gwa@djrs gS A
(vkosnd(dksa) ds fuj{kj gksus fd fLFkfr esa)
1. xokg ds gLrk{kj…………………………………………………………………………………………………………………………………………………………………
uke vkSj irk…………………………………………………………………………………………………………………………………………………………………………..
2. xokg ds gLrk{kj…………………………………………………………………………………………………………………………………………………………………
uke vkSj irk…………………………………………………………………………………………………………………………………………………………………………..
LFkku:
fnukad: vkosnd(dkas)/laj{kd ds gLrk{kj ;k vazxwBk fu’kku
Mkd?kj ds mi;ksx ds fy,
eSaus bl vkosnu vkSj igpku ds lkFk izLrqr fd;s x;s irs ds nLrkostksa dh lko/kkuhiwoZd tkap dj yh gS A [kkrk [kksyuk Lohd`r fd;k tkrk gS A
[kkrk la[;k ---------------------------------------------fnukad ----------------------------------------------dks] ---------------------------------------------------------------------------------------------------------------------------------------------------------------- ds uke ls
------------------------------------ rkjh[k dks --------------------------------: ds vkjafHkd tek ds lkFk [kksyk x;k gS A
ukekadu dk fooj.k:-
rkjh[k eksgj rkjh[k eksgj

Xkzk-Mk-ls- ’kk[kkMkdiky ds gLrk{kj‘ mi@lgk;d@iz/kku Mkdiky ds gLrk{kj
’kk[kk Mkd?kj ds uke dh eksgj ukeeksgj
,l-ch-&,Vh,e1
Mkd?kj cpr cSad
,Vh,e dkMZ@baVjusV@eksckby@,l,e,l cSafdax lsok gsrw vkosnu izi=
dì;k vkosnu izi= Li"V v{kjksa esa Hkjsa A
Mkd?kj ______________________fnukad _____________(fnu@ekg@o"kZ)
*xzkgd
* izkFkfed [kkrk
igpku
la[;k
la[;k
1. *vkosnd dk uke
igyk uke
e/; uke
*vafre uke
2. *,Vh,e dkMZ fuEu ds fy, pkfg, (dì;k lacaf/kr dkWye dk p;u √ fdft;s)
(a) Lo;a (b) la;qDr c [kkrk/kkjd (c) vko’;drk ugha
3. * dì;k fuEufyf[kr fooj.k iznku djsa %

eksckby uacj LFkk;h [kkrk la[;k
bZey
s vkbZMh
tUe frfFk (fnu@ekg@o"kZ) ekrk dk izFke ukke
4. *dì;k uhps fn, fodYiksa esa ls visf{kr fodYi dk p;u djsa A
dz-la[;k vuqjks/k ¼vkosnu½ dk izdkj lacaf/kr fodYi dk √ p;u

djsa A
d- baLVsVa ,Vh,e dkMZ
u;k O;fDrxr ,Vh,e dkMZ (;k) cnyk gqvk O;fDrxr ,Vh,e dkMZ u;k vkosnu
[k- dkMZ ij ;g uke fizaV djsa (21 vadksa ls vf/kd ugh gks)
dkMZ cnyus gsrq
vkosnu
x- baLVsVa ,Vh,e dkMZ cnyus ds fy,
?k- ,Vh,e dkMZ fiu ds fy, vkosnu
M ,Vh,e dkMZ gksV fyfLVax@cUn djus gsrq vuqjks/k (cUn djus ds fy, dkMZ uacaj ds vafre 4 vad fy[ks½a
p baVjusV cSafdax vkSj eksckbZy cSafdax
N baVjusV cSafdax
t- ,l,l,l cSafdax
cpr [kkrk la[;k ftls fyad djuk gSa
f}rh; [kkrs dsk ekStwnk lfdz; ,Vh,e dkMZ ls fyad djuk (izkFkfed [kkrk
> 1
dkMZ ds lfdz; gksus ds ckn fd;k tkuk pkfg,)
2
uksV%& eksckbZy cSafdax lsokvksa dk ykHk mBkus ds fy,] baVjusV cSafdax vfuok;Z gS A
(* fpfUgr dkWye vfuok;Z gaS)
?kks"k.kk
eaS@ge ?kks"k.kk djrs gSa fd mijksDr tkudkjh lgh gS A eaS ge Mkd foHkkx dks vius ,Vh,e dkMZ ;k bVjusV@eksckby@,l,e,l cSafdax dk mi;ksx
djds fudklh ds fy, esj@ s gekjs [kkrs esa le;≤ ij ykxw gksus okys ’kqYd dks olwyus dk vf/kdkj nsrs gaS A eaS@ge vius [kkrs esa fu/kkZfjr U;wure ’ks"k dks cuk;s
j[kus dk opu nsrk gwa@nsrs gS A‘eS@ge] esj@ s gekjs }kjk ,Vh,e dkMZ@baVjusV@eksckbZy cSafdax@,l,e,l cSafdax esa fd;s x;s ysu &nsu ds fy, iw.kZ :i ls
ftEesnkj gwaxk@gksaxs rFkk Mkd foHkkx ds f[kykQ nkok ugha djus ds fy, lger gwa@gSa A
baVjusV@eksckbZy@,l,e,l cSafdax ds fy, fu;e vkSj ’krsZ %& eSsus@geus Mkd foHkkx dh baVjusV cSafdax osclkbZV ij miyC/k nLrkost esa fufgr fu;e vkSj ’krksZ dks
i< fy;k gS rFkk eaS@ge esj@ s gekjs ;wtj vkbZMh rFkk ikloMZ ls baVjusV@eksckby@,l,e,l cSafdax esa fd, x, leLr ysu&nsu ds fy, iwjh ftEesnkjh Lohdkj djsaxs
vkSj eSa@ge mUgs ekuus ds fy, ck/; gksx a sA
,Vh,e dkMZ ds bLrseky ds fy, fu;e vkSj ’krsZ %& esS@ge uhps n’kkZ;h xbZ ’krksZ vkSj izko/kkuksa ls lger gSa A
Mkd foHkkx ds ,Vh,e dkMZ ds mi;ksx ds fy, fu;e vkSj ’krsZ
ftu fu;eksa vkSj ‘’krksZ ds rgr Mkd foHkkx dk ,Vh,e dkMZ tkjh fd;k x;k gS] oks vkids ekxZn’kZu ds fy, uhps fn, x, gSa A
¼d½ ;gka bLrseky dh xbZ ’krsZ
 Mhvksih Mkd foHkkx dks bafxr djrk gS A
 dkMZ dk vFkZ Mhvksih ,Vh,e dkMZ tks xzkgd dks tkjh fd;k x;k gS A
 dkMZ/kkjd dk vFkZ gS og xzkgd ftls Mhvksih ,Vh,e dkMZ tkjh fd;k x;k gS A
 fiu dk vFkZ dkMZ/kkjd dks vkcafVr 4 vadksa dh la[;k gS A
¼[k½ dkMZ
 dkMZ Mkd foHkkx dh lEifRr gS vkSj Mkd foHkkx ds vuqjks/k ij bls fcuk fdlh ’krZ ds vkSj rqjar okil dj fn;k tk;sxk A
 Mkd foHkkx dkMZ dks jn~n djus vkSj fcuk dksbZ dkj.k crk, ,drjQk :i ls blds lapkyu dks jksdus dk vf/kdkj lqjf{kr j[krk gS A
 dkMZ xSj&gLrkarj.hk; gS A
 fiu@vksVhih % dkMZ/kkjd ;g Lohdkj djrk g]S]fuosnu djrk gS vkSj vk’oklu nsrk gS fd fiu@vksVhih fufnZ"V [kkrs rd igqp iznku
djrk gS vkSj ;g fd dkMZ/kkjd fiu@vksVhih ds mi;ksx]xksiuh;rk vkSj lqj{kk ds fy, rFkk bl rjg ds fiu@vksVhih dk mi;ksx djds
[kkrs esa ntZ gq, lHkh ysu&bsy vkSj lwpuk lacaf/k ifjorZuksa ds fy, dkMZ/kkjd iwjh ftEesnkjh ysrk gS AdkMZ/kkjd fdlh Hkh :i esa
fiu@vksVhih dks fjdkWMZ ugh djsx a k rkfd fiu@vksVhih dks fdlh rhljs i{k ds gkFkkas eas tkus ls cpk;k tk lds A dkMZ/kkjd Mkd foHkkx
dks fiu@vksVhih }kjk izekf.kr ysunsu vkSj funs’kksZ dks iwjk djus ds fy, Li"V :i ls vf/kd`r djrk gS rFkk og bUgsa jn~n ugha djsxkA
Mkd foHkkx dk dkMZ/kkjd ds fiu@vksVhih ds lR;kiu ds vykok dkMZ/kkjd ls Hksts x, ;k mlds }kjk Hksts x;s ysunsu funs’Z k dh
izkekf.kdrk dks lR;kfir djus dk dksbZ nkf;Ro ugha gS A blfy,] dkMZ dks dkMZ/kkjd ds vf/kdkj esa jguk pkfg, vkSj mls fdlh vkSj dks
ugh lkSaik tkuk pkfg,A dkMZ bl ’krZ ij tkjh fd;k tkrk gS fd Mkd foHkkx dkMZ ds vuf/kd`r mi;ksx ds fy, mRrjnk;h ugha gS A ;g
ftEesnkjh iwjh rjg ls dkMZ/kkjd dh gS A blds vykok] Mkd foHkkx ,sls fdlh Hkh uqdlku ds fy, ftEesnkj ugha gksxk] tks fd ,Vh,e dh
[kjkch@[kjkc gksus ds dkj.k izR;{k ;k vizR;{k :i esa gks ldrk gS A
¼x½ dkMZ dk xqe gksuk
 dkMZ/kkjd dks rqjar miyC/k pSuyksas ds ek/;e ls dkMZ dks CykWd djuk pkfg, ¼tSls% dkWy lsaVj ;k fdlh Mk- fo- dh ’kk[kk ds ek/;e ls½
 dkMZ/kkjd dkMZ dh lqj{kk ds fy, ftEesnkj gksx a s vkSj mls lqjf{kr j[kus ds fy, lHkh dne mBk;sxa s A blds vykok] ;fn Mkd foHkkx ;g
lqfuf’pr djrk gS fd dkMZ/kkjd }kjk funs’Z kkas dk ikyu ugha fd;k x;k gS rks dkMZ ds xqe gksus vkSj pksjh gksus ds dkj.k gqbZ vkfFkZd
tckcnsgh dkMZ/kkjd dh gksxh A
 [kks, gq,@{kfrxzLr dkMZ ds cnys esa u;k dkMZ tkjh fd;k tk,xk A
 Mkd foHkkx ds ikl ;g vf/kdkj gS dh og dkMZ/kkjd }kjk dkMZ dk iz;ksx djds ;k mlds }kjk fd, gq,@ekus x, lHkh vkgj.kksa vkSj
Hkqxrkuksa dks fjdkWMZ fd, x, lcwrksa ds vuqlkj [kkrs ls MsfcV djsa A ;g fu.kkZ;d vkSj ck/;dkjh gksxk A dkMZ/kkjd le; le; ij Mkd
foHkkx }kjk vf/klwfpr lsok izHkkj¼;fn dksbZ gks½ ds lkFk lacfa /kr [kkrs dks MsfcV djus ds fy, Li"V :i ls Mkd foHkkx dks vf/kd`r djsxkA
v?kru lsok izHkkj dh tkudkjh ds fy, www.indiapost.gov.in ns[ksa A
¼?k½ ysu&nsu%
 ,Vh,e ;k ihvks,l VfeZuy@bZ&dkWelZ }kjk l`ftr ysu&nsu dk fjdkMZ dkMZ/kkjd ds fy, ck/;dkjh gksxk vkSj bls rc rd fu.kkZ;d ekuk
tk;sxk tc rd fd Mkd foHkkxk }kjk vU;Fkk lR;kfir vkSj lgh ugha fd;k tkrk gS A lR;kfir vkSj lgh jkf’k dks ekuus ds fy,
dkMZ/kkjd ck/; gksaxs A
 [kkrk cUn djuk% [kkrk cUn djus vkSj dkMZ ljsM a j djus ds bPNqd dkMZ/kkjd dks igys fyf[kr esa vkosnu nsuk gksxk vkSj vkosnu ds lkFk
dkMZ dks yksVkuk gksxk A
 dkMZ dh oS/krk % dkMZ dh oS/krk dkMZ ds vkxs ds Hkkx esa eqfnzr gksrh gS A dkMZ dh oS/krk lekfIr ds eghus dh vafre rkjh[k rd ekU; gS A
 dkMZ dk uohuhdj.k % Mkd foHkkx }kjk dkMZ dks bldh oS/krk dh lekfIr ij] fcuk fdlh ’kqYd ds] uohuhd`r fd;k tk;sxk A
 gsYiykbu % vf/kd tkudkjh vkSj enn ds fy,] dì;k Mkd foHkkx ds Vksy Qzh uacj 1800&425&2440 ij dkWy djsa A Vksy Qzh uacj ns’k
ds lHkh ySaMykbu vkSj eksckby Qksu ls lqyHk gS A
 ysu&nsu izHkkj% dkMZ/kkjd ds vuqer lhek ls ijs Mkd foHkkx ds vykok] vU; cSadksa ds LokfeRo okys ,Vh,e esa ysu-& nsu ds fy, vfrfjDr
’kqYd MsfcV fd;k tk ldrk gS A vf/kd tkudkjh ds fy, www.indiapost.gov.in ns[ksa A
¼M-½ ‘ ’kqYd vkSj izHkkj % dkMZ ds fy, okf"kZd ‘’kqYd dks Mkd foHkkx dh izpfyr nj ij dkMZ@,Iyhds’ku@uohuhdj.k ij dkMZ ls tqMs
izkFkfed [kkrs esa ls MsfcV fd;k tk,xkA izHkfjr‘’kqYd ykSVk;k ugha tk;sxkA dkMZ/kkjd vius [kkrs esa Mkd foHkkx }kjk le; le; ij
fu/kkZfjr U;wure ’ks"k cuk;s j[ksaxs A Mkd foHkkx ds ikl vf/kdkj lqjf{kr gS fd og dkMZ tkjh@uohuhdj.k djus ;k dkMZ/kkjd }kjk fd;s
x;s ysu&nsu ij vU; Qhl@’kqYd ykxw dj ldsa A
(p) vfrfjDr ’krsZ %
 Mkd foHkkx ubZ lqfo/kkvksa dks ’kq: djus vkSj ekStwnk lqfo/kkvksa dks gVkus dk vf/kdkj lqjf{kr gS A Mkd foHkkx vius foosd ls]fcuk dksbZ
dkj.k crk,] ds fy, fd;s x;s fdlh Hkh vkosnu dks vLohdkj dj ldrk gS A dkMZ ds mi;ksx ds fy, ’kqYd ¼;fn dksbZ gks½ fdlh Hkh
ifjfLFkfr esa ykSVk;k ugha tk;sxk gS A Mkd foHkkx dks dkMZ ls tqMs fo’ks"kf/kdkj dks okil ysus vkSj dkMZ/kkjd dk]s Mkd foHkkx ds fdlh
izfrfuf/k ds ek/;e ls dkMZ dks ljsaMj djus ds fy, fcuk dkj.k crk;s dgk tk ldrk gS A
 dkMZ/kkjd dh e`R;q] fnokfy;kiu];k fnokfy;k gksus dh lwpuk feyus ij ;k fdlh Hkh la;qDr [kkrk/kkjd ds dkWijsfVo DykWt dks cnyus
fdlh l{ke U;k;ky; ;k jktLo izkf/kdj.k ;k RBI ls FEMAA/Exchange fu;a=.k fofu;eksa ds mYya?ku ds dkj.k] fdlh Hkh i= ds
izkIr gksus ij vU; oS/k dkj.kksa ls ;k tc dkMZ/kkjd ls lacaf/kr fdlh Hkh dkj.k ls dkMZ/kkjd dk irk Mkd foHkkx ds fy, vKkr gks tkus
ij] dkMZ dk mi;ksx fcuk uksfVl ds lekIr gks tk;sxk A
 ,Vh,e lsok vkids [kkrs esa igys ls ekStwn ’ks"k jkf’k esa ls udnh fudkyus ds fy, gS A blfy, ;g dkMZ/kkjd dk nkf;Ro gS fd og udn
fudklh vkSj lsok ’kqYd dks iwjk djus ds fy, lacaf/kr [kkrs esa i;kZIr ’ks"k cuk, j[ksa A Mkd foHkkx vius iw.kZ foosd ij,Vh,e lsokvksa dks
fu;af=r djus okys fu;eksa vkSj ’krksZ esa la’kks/ku dj ldrk gS A
fnukad% & vkosnd ds gLrk{kj
dsoy dk;kZy; mi;ksx ds fy,

izekf.kr fd;k tkrk gS fd xzkgd us O;fDrxr :i ls dsokbZlh nLrkost izLrqr dj fn;k gS rFkk xzkgd ds gLrk{kj vkSj QksVksxzkQ lR;kfir vkSj CIF
level ij viMsV fd;s x;s gS A ;fn lhch,l esa gLrk{kj vkSj QksVksxzkkQ miyC/k u gks rks u;s dsokbZlh izkIr djsa vkSj viyksM dh dk;Zokgh djsa A
SOL ID
vkosnu dk izdkj lsok dk izdkj dkmaVj lgk;d dh vkbZMh i;Zos{kd dh vkbZMh
,Vh,e lacaf/kr lsok,a
baVjusV@eksckby@,l,e,l cSafdax
Mkd?kj dh rkjh[k eksgj lgk;d@eq[;@izoj@phQ iksLVekLVj ds gLrk{kj

,l-ch-&psd 4
Mkd foHkkx
Mkd?kj cpr [kkrs ls psd lqfo/kk izkIr djus@u;h psd cqd tkjh djus ds fy, vkosnu izi=
To,
iksLVekLVj
…………………………………….. (Mkd?kj)
(1) * ¼v½ dì;k eq>s@gesa esjs@gekjs Mkd?kj cpr [kkrs ds fy, psd lqfo?kk iznku djsa A
¼c½ esjs@gekjsa cpr [kkrk la[;k ---------------------------------------------------------------- tks fd vkids Mkd?kj esa [kksyk x;k g]S
ftlesa vfr’ks"k -----------------------------------------------------------------------: gS ] ds fy, u;h psd cqd tkjh djsa A esjk eksckbZy ua- ------------------
-------------------------------- gS A
(2) eSa@ge ?kks"k.kk djrs gS fd] eaSus@geus Mkd?kj cpr [kkrk fu;ekoyh 2019 rFkk Mkd?kj cpr cSad ¼lh-ch-,l-½
fu;ekoyh ds ifjf;j"V AA esa of.kZr psd iz.kkyh ls lacaf/kr fu;e i< fy, gS rFkk eaS@ge Åij of.kZr ’krkZs rFkk muesa
le;≤ ij gksus okys la’kks/kuksa dks Lohdkj djrs gSa rFkk oks esjs@gekjs Åij ykxw gksx
a sA
*(3) ykxw‘’kqYd ¼;fn dksbZ gS½ ---------------------------------------- : jlhn la[;k ------------------------------------------ fnukad --------------------------- ds
}kjk tek dj fn;k x;k gS A
*(4) dì;k eq>s@gesa psd cqd fuEufyf[kr irs ij iathd`r Mkd }kjk Hkstsa vkSj iathd`r Mkd ’kqYd esjs cpr [kkrs ls
dkV fy;k tk, A
**(5) eSus@geus] fuEu v?kru igpku vkSj irs ds nLrkost vkSj QksVksxzkQ geus lkFk izLrqr dj fn, gS A
fnukad % & tekdrkZ ¼vks½a ds gLrk{kj

tekdrkZ ¼vks½a dk uke
*;fn ykxw ugh rk]s dkV nsa A
** ‘;fn igpku nLrkost vkSj irs ds nLrkost igys ls gh v?kru gaS rks iqu% izLrqr djus dh vko’;drk ugha gS A
Mkd?kj }kjk Hkjk tk;s
‘ izekf.kr fd;k tkrk gS fd tekdrkZ¼vks½ dk eksckbZy uEcj rFkk ds-okbZ-lh- nLrkost fQusdy esa v?kru dj fn, x,
gS A
cpr [kkrk la[;k ------------------------------------------------- ds fy, psd cqd la[;k ---------------------------------- ftlesa psd la[;k ls --------------------
-------------------------------- rd ---------------------------psd gS fnukad ---------------------- dks tkjh dh xbZ A
dkmUVj lgk;d ds izk{kj Mkdiky ds gLrk{kj

tekdrkZ ¼vks½a }kjk psd cqd izkfIr jlhn
eS@ge psd cqd la[;k ---------------------------------- ls ----------------------------------------------- psd cqd izkIr dj yh gS ftls
eSus@geus fxurh dh gS vkSj lgh ik;k gS vkSj mfpr dze la[;k eas gS A
fnukad% & tekdrkZ ¼vks½a ds gLrk{kj

vFkok
psd cqd iathd`r i= la[;k -------------------------------------- fnukad------------------------------------ ds }kjk izsf"kr dh xbZ gSA
fnukad % & Mkdiky ds gLrk{kj

,l-ch&b,DlVh1
vkorh tek@lkof/k tek@yksd ofj"B ukxfjd cpr ;kstuk [kkrs dh vof/k dks c<kus ds fy, vkosnu
lsok esa]
Mkdiky
………………………………Mkd?kj
Jheku,
1.eSa@ge ---------------------------------------------------------------------------------------- vkids dk;kZy; esa ---------------------------------------------------

fLFkr (vkorhZ tek@lkof/k tek 1@2@3@5 o"kZ@yksd Hkfo"; fuf/k @ ofj"B ukxfjd cpr ;kstuk)
ds v/khu [kkrk la[;k ----------------------------------------------------- dk tekdrkZ gw@ a gSa A mDr [kkrk rkjh[k --------------------
--------------------- dks [kksyk x;k Fkk vkSj Hkqxrku ds fy, rkjh[k -------------------------------------------- dks ifjiDo gks pqdk
gS @gks tk;sxk A
2- eS@ge mijksDr [kkrs dh ifjiDork dh rkjh[k ls vius@gekjs vkorhZ tek ----------------------------
o"kZ@o"kksZa dh vof/k ds fy,] @lkof/k tek ;kstuk 1@2@3@5 o"kZ ds fy,@yksd Hkfo"; fuf/k [kkrs
dk 5 o"kZ ds fy,@ofj"B ukxfjd cpr ;kstuk [kkrs dk 3 o"kZ ds fy, (;kstuk ds fu;eksa ds vuqlkj)
foLrkj djus dk vuqjks/k djrk gw@
a djrs gaS A
3. eaSus @geus le;≤ ij ;Fkk la’kksf/kr mDr ;kstuk ds v/khu vof/k ds foLrkj ds nkSjku [kkrs
ij ykxw fuca/kuksa vkSj ’krksZ dks le> fy;k gS vkSj mldk eSa@ge ikyu d:axk@djsx
a sA
4. eSa@ge ?kks"k.kk djrk djrk gwa@djrs gSza fd esjh@gekjh vkSj vOk;Ld dh (vOk;Ld ds [kkrs ds
ekeys esa) [kkrs ds foLrkj dh vof/k ds vkjaHk gksus ds le; Hkkjr dh ukxfjdrk dk;e gS A
LFkku :
rkjh[k : [kkrk/kkjd (dksa) / laj{kd ds gLrk{kj
(uke vkSj irk)
dk;kZy; iz;ksx ds fy,
[kkrk la[;k ----------------------------------tks ------------------------ ;kstuk ds varxZr rkjh[k --------------------- dks -------------------------
:i;s ds lkFk [kksyk x;k Fkk vkSj rkjh[k ----------------------------- dks ifjiDo gqvk Fkk] dk mDr ;kstuk ds
izko/kkuksa ds v/khu rkjh[k----------------------------------- ls ------------------------------rd ------------------- o"kksZ dh vof/k ds fy,
foLrkj fd;k x;k A
vfHkys[kksa vkSj iklcd@tek jlhn @ [kkrs dk fooj.k esa vko’;d izfof"V;ka dh tk pqdh gS A
LFkku :
fnukad : Mkdiky ds gLrk{kj

eksgj
,l-ch-&dsokbZlh
Mkd?kj cpr cSad
ds-okbZ-lh- ¼vius xzkgd dks tkfu,½ djokus@la’kksf/kr djokus gsrq izi=
¼lacaf/kr lh-ih-lh- dks Hkstk tk,½
gLrk{kj uohure QksVksxzkQ
vkosnd(1)
uke :- (1)
xzkgd igpku la[;k ¼CIF)

(2)
[kkrk @iathdj.k la[;k
vkosnd(2)
uke :- (1)
[kkrk@iathdj.k la[;k (2)
vkosnd(3)
uke :- (1)
[kkrk@iathdj.k la[;k (2)
dì;k u, [kkrs ds ekeys esa lHkh tkudkjh rFkk ds-okbZ-lh- esa ifjorZu ds ekeys esa dsoy laxr tkudkjh fuEu lwph ds vuqlkj Hkjsa A
uke ¼ Li"V v{kjksa esa ½
¶ySV@edku la[;k bykdk
l³d ySaM ekdZ
xzke@uxj@’kgj ftyk
fiu dksM jkT;
eksckby uEcj bZ&esy
vk/kkj la[;k LFkkbZ [kkrk la[;k ¼isu½
eSa ,rn}kjk fuEufyf[kr nLrkostksa ¼Lo lR;kfir½ dh Nk;k izfr izek.k ds :i esa izLrqr dj jgk@jgh gwa A
igpku lac/a kh izek.k ¼nLrkost laa-@fnukd@tkjh djus okyk izkf/kdj.k
fuokl lac/a kh izek.k ¼nLrkost l-a@fnukd@tkjh djus okys izkf/kdj.k
eSa ,rn}kjk lR;fu"Bkiwod

Z ?kks"k.kk djrk@djrh gwa fd esjs s [kkrs ds laca/k esa nh xbZ mi;qZDr tkudkjh v/kru rFkk lgh gS A
gLrk{kj@ vaxqBs dk fu’kku :- izFke vkosnd f}rh; vkosnd r`rh; vkosnd

(la;qDr [kkrs ds ekeys esa lHkh vkosndksa }kjk gLrk{kj djuk vko’;d gS ½
dsoy dk;kZy; mi;ksx gsrq
izekf.kr fd;k tkrk gS fd eSaus bl vkosnu izi= ds lkFk izLrqr fd, x, leLr nLrkostksa dks lR;kfir fd;k gS rFkk iqf"V djrk@djrh gwa
fd ds.okbZ-lh- ds ekudksa dk iw.kZr% ikyu fd;k x;k gS A
thMh,l ’kk[kk Mkdiky ds gLrk{kj miMkdiky ds gLrk{kj Mkdiky ds gLrk{kj

fnukad :-
rkjh[k eksgj
e.F.No.1 13-02/2019-SB
Govemment of India
Department of Posts

New Delhi-l10001
Date: 06.1 L2020
To.
All Head of Circles/Region
Subiect: - Regarding revision of deceased claim sanction limit in National (Small) Savings Schemes
where no nomination exists or no legal evidence is available.
Sir i Madam,
Kindly refer to the SB Order No. 3l12020, issued vide this office letter No. 113-0212020-
SB dated 28.08.2020. This office has been receiving suggestions from Circles to revise sanction
lirnit prescribed for various authorities for settlement ofdeceased claim cases in National (Small)
Savings Schemes where no nomination exists or no legal evidence is available.
2. The issue has been examined in this office and the competent authority has accordingly
decided to revise sanction limit prescribed for settlement ofdeceased claim cases.
3. Accordingly, the limit prescribed in Rule 60(4)(8) of POSB (CBS) Manual and Rule 87(4)(ii)
of POSB Manual Volurne l, in case of where no nomination exists or no legal evidence is
available is revied as below: -
Sl.No Name of Authoritv Existing

limit in (Rs.)
(i) Sub-Postmasters of Time Scale Departmental SOs
Sub Postmasters of Lower Selection Grade Post 10,000 50 000
Offices
( ii) Su b-Postmasters,{Deputy Postmasters/ Postmasters
of Higher Selection Grade (all Non Gazetted) SOs 25 000 1,00,000
and HPOs
(iii) Senior Postmasters/Deputy Chief Postmasters/

Superintendent of Post Offices / Deputy
Superintendent of Post Offi ces.
(AIl Gazetted Group-B HPOs and Divisions) 2,50,000 5,00,000
Ch ief Postnrasters in GPOiHead Offices, Senior
Superintendents of Post Offices
(All Gazetted Group-A HPOs and Divisions) &
equivalent authorities in GPOs
(iv) Director HQ/Regional Directors/Director (GPO)
5,00,000 Not required
[n Mumbai, Kolkata & New Delhi]
Note l: -To ascertain lirnit for sanction of claim the status ofthe Post OfficeiOffice should be
taken into account.
2: - if the eligible amount in a deceased account is above Rs. 5 lakh where no
nomination or legal evidence available, the amount shall be paid to the claimant on
submission of'Succession Certificate' issued by the court.
1 Sumnrary of revised sanction rimits applicable for various authorities is placed
below for ready
relerence: -
lsr.No. ame of Authority Where Where Iegal Where no

nomination evidence nomination exists or
exists. available no legal evidence is
available
(i) Sub-Postnasters of Time Scal 50,000
Departntenta I SOs No Limit 50,000/- Note: - Above this
Sub Postmasters of Lo Note: - Above limit cases to be sent
Selection Grade Post Offices this limit cases to Divisional Office.
to be sent to
Divisional
Office.
( ii) Sub-Postmasters/Depufy
Postmasters/ Postmasters of
Higher Se lection Grade (all No Limit No Limit 1,00,000
on Gazetted) SOs and HPOs Note: - Above this
limit cases to be sent
to Divisional Office.
(iii) Senior Postmasters/Deputy
hief Postmasters/
Superintendent of Post Offices /
Deputy SLrpcrintendent of Post No Limit No Limit 5,00,000
tces
All Gazetted Group-B FIPOs
d Divisions)
Chief Postmasters in
PO/Head Offices, Senior
Superintendents of Post
lfices
All Gazetted Croup-A HPOs
nd Divisions) & equivalent
uthorities in GPOS
Note: - l. The Post office where the account stands, on receipt of the claim either directly or by
Insured Post will issue acknowledgment to the claimant on the same day. The claim case
is to be settled within I (one) working day when nomination exists and within 7 working
dals in other cascs. if the claim falls under its financial powers of the post office. If the
claim case falls above the financial powers, it shall be forwarded to the sanctioning
authority by service lnsured Post on the day of its receipt.
2. Divisional office will dispose-offthe claim case within 7 working days of the receipt of
the same.
5. It is requested that this sB order may be circulated to all concemed including cBS/non-cBS
Post Offices. In case where claims are not yet submitted or claims are already submitted but
not yet sanctioned, these revised provisions should be made applicable.
This issues with the approval ofcompetent authority.
Yours faithfullv
e"|:(mff*'
Copy to:-

3. PPS/ PS to Addl. DG (Co-ordination/1\tlember (Banking/ Member (O/ Member (P/ Member
(Planning & HRD)/ Member (PLI)/ Member (Tech)/AS & FA

15. MOF (DEA), NS-II, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-I10002
17. Guard File
18. Spare copies.

e.F.No.l 13-02/2019-SB
Government of India
Department ofPosts

New Delhi-l 10001
Date: 10.11.2020
To.

Subiect: - Regarding revision of process for transfer of account in National (Small) Savings
Schemes.
Sir / Madam,
KindlyrefertotheSBorderNo.l212020,issuedvidethisoffrceletterNo.||6-|2120|6-
14.05.2020. This office has been receiving representations
from various sections
sg datJ
regarding delay during manual transfer of account iranifer applicatiol to.
!9me...S!L .and
of the provisions for transfer of account in National (Small) Savings
amendmenVrestoration
Schemes.
account transfer process. Matter

2. The issue has been examined in this office in view of delay in
Affairs'
*", ,"f"" up with the nodal Ministry. ln accordance- with ^Department of Economic
'Finance.s
Ministr-. of o.M. no. l/g/i016-Ns dated 27.10.2020 the competent authority has
decided'to revise account transfer process as below'
(CBS) Manual'
3. Accordingly, replace the text of note below rule 43(2) (a) in POSB
shall be done by the HPOonly .lf application for transfer- of

account
!9!9: - Transfer of account wher; the stands or at other SO' the
along with prescribed docurn"nts i, pt"'"nt"d at SO
account
their respective Ho through
,"rplii"" dpv ,ttatt ,"ra tl" upftiiut;on along with.documents to
should-be enlered in
U"g by entering in list oi documents anl details of such applications
"."lrra application at HO the HO will
u1"gi.,", tf bL maintained in nrunur"ript. After receipt-oftransfei
p".fi.. tunsfer process as preicribed in rule 43(2) (a) of PoSB (CBS) Manual'
u""orn,
4.ItiSrequestedthatthissBordermaybecirculatedtoallconcernedincludingCBSPostoffices
for information and necessary action accordingly'
5, This issLres uith the approval ofcompetent authority'
Yours faithfullY,
mpr"
( Devendra Sharma )
Cop) to:-
2. PS to Director General postal Services.
3. PPS/ PS ro Addl. DG (co-ord ination),a4ember (Banking)/ Member (o)i Member (p)/ Member
(PJanning & HRD)/ Member (pl-t)/ Member (Tech)/AJ&. FA
4. Addl. Director General. APS. New Delhi
5. ChrelCcneral l\{anager, BD Directorate / parcel Directorate / pll Directorate

6. Sr' Deputl Director General (vigirance) & cvo) / Sr. Deputy Director Generar (pAF)
7. Director, RAKNPA / GM, CEpT / Directors of all pTCs
8. Director General p & T (Audit), Civil Lines, New Delhi
9. Secretar\. Postal Services Board/ All Deputy Directors General

1 1. Chief Engineer (Civil), postal Directorate
13. All recognized Federations / Llnions/ Associations
14. CM. Cl-.PT fbr.uploading rhe order on the India post website.
15. MOF (DEA), NS-II, North Btock, New Delhi.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg,
New Delhi_110002
17. Guard File
18. Spare copies.

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SB Order No.

All Head of Circles/Regions

The undersigned is directed to say that vide memorandum No. 01/04/201g-NS

sr. lnstruments Rate of interest Rate of interest Compounding

09. National Savings Certificate 7.9 7.9 Annually

Cont. on page 2l--

3. lt is requested to circulate it to all concered for information and necessary guidance.

4. This issues with the approval of Competent Authority

1. DD G(FS)/DD GffIG)/AS &FA/DD G(PAF)/DDG(RB)/DD G (EStt.)/DD G(P G &

\iir1i: illock. irerr I)i.li;i

( !t'llce ll cnr irr-l ntlu nr

5.Ltirtcci'[lcrisit'il ili':i)lr'i'i':ri ;',iii::. lili \|::lri ]i,i'.:l'i:.'. \r,itCIii':

llns!r'umcnI itatt' <ll' int('rcst \r.,'.1 (il.l(|.2019 to ('onrJrotrnrting liequencr

I Ycrar lime De i1 i 6.9

i. irs & Secreiar.r iF:inancial Sc'rvicres) -i. l'hc.lD & HoI)

-1. I he Secrctary I i{*rjsrr c ilank of'lncliir

l. 'l-hc Sec:rctarv 8. ('hicl'.Sccletarie s ir1: $1sis: t; ['

Dak Bhawan, New Delhi- 110001

All Head of Circles/Regions

The undersigned is directed to inform that Government of India has inserted

Payment of certain amounts in cash.

194N. Every person, being,-

(ii) a co'operative society engaged in carrying on the business of bankingi or

(iii) a post offrce,

(ii) any banking company or co-operative society engaged

(iiil any business corresponde_ntof banking company or co-operative society engaged

(iv) any white labet automated telrer machine operator

(v) such other person or class ofpersons, which the

Further C larifi cation issued bv CBDT on 30 .8.2019

1. It is requested to circulate this amendment to all concerned for information

5. This issues with the approval ofCompetent Authority.

1. DDG(FSTDDG(VIGTAS&FA/DDG(PAF)/DDG(RB)/DDG (Estt.yDDG(pc &

Subiect: - Collection of vanous types of fee prescribed in GSPR-20f8 under Schedule Il

The undersigned rs drccted to .inform tha! tlris office is in receipt of various

G) Collection ofvarious types of fee to be collected in CSI - SAP throu F-0zFB50

(a) CGS'IL Cotl. on Banking & Fin. Services qoh €866102590

(Example! For issuc ofdupLicate passbook.)

3- I[ is requected to circulate this amendment to all concerned for information and

4. Thrs issues wrth the approval of CompeLent Autho ty

subiectlAmendments to procedural rules relating to National savings certificates/NSC-vlll

The undersigned is directed to inform that M.F(DEA) has revised

orr sli sf Nation Savin Certifi s in P B CBS anua

Accou nt nu mber Date Name of Accou nt office Amount

The authority mentioned above h as agreed to accept the pledge. pledge

Signatu re of account holder(s)/gua rd ian

Correction Sli for NS -Vlll lssu e in POSB (CBS} Manual

4. This issues with the approval of Competent Authority

1. DDG(FS)/DDG(vlc)/AS&FAIDDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(PG &

9. All recognized unions.

13. PPS to DG Posts.

Correct ion slips for Ki n Vikas Patra s in POSB(CBS) Man ual

Rule 168(l) r This sub rule should be replaced

3 lt is requested to circulate these corrections to all

4. This issues with the approval of Competent

13. PPS to DG posts.

SubiectrAmen d ments to procedural rules relating to Monthly rncome

The undersigned is directed to inform that MoF(DEA) has revised

2. Accordingly, the corrections rerating to Monthry rncome Account

recti o com un eme in SB CB anu

Rule 115(i) r add following text belowthis sub rule:_

3' lt is requested to circulate these corrections to all concerned for information

4 This issues with the approval of Competent Authority

1. DDG(FS)/DDG(vtG)/AS&FAIDDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(pG &