Pakistan Post Office

(Internship Report)
Submitted By
Saad Tanveer
(BBA-F18-M-77)

BACHELOR OF BUSINESS ADMINISTRATION (HONS) IN FINANCE

DEPARTMENT OF BUSINESS ADMINISTRATION

UNIVERSITY OF THE PUNJAB, JHELUM CAMPUS, JHELUM
April 2022

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 SUPERVISOR CERTIFICATE ON
INTERNSHIP REPORT SUBMITTED BY A STUDENT

Section 1: Particular of the Student

1.1 Student’s Name Saad Tanveer

1.2 Father’s Name Tanveer Saleemi

1.3 Registration Number 2018-UJ-298

1.4 Program BBA (HONS.)

1.5 Specialization Marketing

Section 2: Particular of an Internship Report

2.1 Title Pakistan Post Office

I certify that:
 The above mentioned student has completed the internship report under my guidance
and supervision.
 I am satisfied with the quality of student’s work.
 I consider it worthy of submission to the department.

3.1 Supervisor Signature

3.2 Date 15,April 2022

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 Pakistan Post Office

Internship report submitted by

Saad Tanveer
(BBA-F18-M-77)

Sir Tabassum Riaz

(Internship Supervisor)

Sir Tabassum Riaz

(Incharge, Department of Business Administration)

DEPARTMENT OF BUSINESS ADMINISTRATION

UNIVERSITY OF THE PUNJAB, JHELUM CAMPUS, JHELUM

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INTERNSHIP CERTIFICATE

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 ACKNOWLEDEGMENT

First of all, I am very thankful to ALLAH who gives me courage to do this work and
gave countless blessing. Allah is the only Master of the universe and the Day of
Judgment.

First I thanks to my parents for their continuous support in my studies. I also would
like to thank all my teachers who guide me in the right direction, they taught me
how to ask questions and express my ideas.

The internship opportunity I had with Post Office was a great chance for learning and
professional development. Therefore, I consider myself as a very lucky individual as
I was provided with an opportunity to be a part of it. I am also grateful for having a
chance to meet so many wonderful people and professionals who led me though this
internship period.

Bearing in mind previous I am using this opportunity to express my deepest

gratitude and special thanks to the CPM of Post Office who in spite of being
extraordinarily busy with her duties, took time out to hear, guide and keep me on the
correct path and allowing me to carry out my project at their esteemed organization
and extending during the training.

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EXECUTIVE SUMMARY
Pakistan Post Office is the result of the efforts to promote and spread Postal services
throughout the country and to minimize the dependence on foreign countries. Making
this report is a part this semester of BBA (Hons) degree program.

The report covers all the aspects of Pakistan Post Office structure and design.
Pakistan Post was established following its independence from Britain under the
modified Post Office Act VI, 1898 and became operation on 14 August 1947.
Pakistan Post fell under the Department of Posts and Telegraph in the Ministry of
Communications.

The Office of the Postmaster General was established in Lahore. From

establishments it has contributed a lot to the development of Postal network in the
country. Pakistan Post is a state enterprise which functions as Pakistan's primary
and largest postal operator 44,000 employees through a vehicle fleet of 5000
operate traditional "to the door" service from more than 13,000 post offices across
the country, servicing over 50 million people. Pakistan Post Office is one of the
oldest government departments in the Sub-Continent. In 1947, it began functioning
as the Department of Post & Telegraph. In 1962 it was separated from the Telegraph
& Telephone and started working as an independent attached department.

Pakistan Post is providing postal services in every nook and corner of the country
through a network of around 13,000 post offices. Pakistan Post is providing delivery
services to about 20 million households and businesses as community service
without any cost considerations. In addition to its traditional role, the Pakistan Post
also performs agency functions on behalf of Federal and Provincial governments,
which inter-alias include Savings Bank, Postal Life Insurance, Collection of Taxes,
Collection of Electricity, Water, Sui Gas and Telephone bills.

Pakistan Post is also providing a universal postal service network in harmony with
the Universal Postal Union (UPU) strategy to ensure secure and timely delivery of
mail, money and material at affordable cost through utilization of people, process
and technology and innovative product offerings.

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New System introduced in Pakistan post office, Office Automation system,
Accounting Information system, Knowledge management system, Transaction
Processing system, Tracking system etc.

The organization structure followed by Pakistan Post Office includes the decisions
made by the top level management, stroked rules and regulations, mixture of both
narrow and wide span of control, much of the authority is in the hands of top level
managers, and the jobs are performed according to the functions performed.

The purpose of the study is to evaluate the organization in its design. The primary
data for this report is collected through personal observations and through
interviewing while the secondary data is collected through the company’s website.

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TABLE OF CONTENTS

Contents
1. INTRODUCTION OF THE ORGANIZATION: ......................................................................... 10
2. HISTORY OF THE ORGANIZATION: ...................................................................................... 11
3. VISION, MISSION AND OBJECTIVES: ................................................................................... 15
Future strategies: ............................................................................................................................... 16
KEY ELEMENTS OF PLAN: .......................................................................................................... 17
Quality of Service ............................................................................................................................. 17
4. ORGAZNIZATIONAL STRUCTURE: ....................................................................................... 19
4.2.1. CHIEF POST MASTER: ........................................................................................................ 20
4.2.2. DIVISION: .............................................................................................................................. 20
5. SWOT ANALYSIS: ..................................................................................................................... 24
STRENGTHS ................................................................................................................................... 24
WEAKNESSES ................................................................................................................................ 24
OPPORTUNITIES ............................................................................................................................ 25
THREATS ........................................................................................................................................ 26
FINANCIAL SERVICES: ................................................................................................................ 27
6.1.3. SAVINGS BANK MOBILE ACCOUNT .............................................................................. 27
6.1.4. DEFENSE SAVINGS CERTIFICATE .................................................................................. 28
6.1.5. SPECIAL SAVINGS CERTIFICATE.................................................................................... 29
6.2 MILITARY PENSION PAYMENT ........................................................................................... 30
Postal Life Insurance offers 10 lucrative options: ............................................................................ 33
6.5. (EMO) ELECTRONIC MONEY ORDER ................................................................................ 36
Price of electronic money order and commission rate ...................................................................... 36
6.6.1. Money order prices ................................................................................................................. 37
6.6.1. Money order prices ............................................................................................................... 38
6.8. DOCK DRAFTS ........................................................................................................................ 39
7. POSTAGE STAMPS .................................................................................................................... 41
Decimal Surcharges .......................................................................................................................... 47
Watermarks ....................................................................................................................................... 59
8. POSTMARKS............................................................................................................................... 59
First Day Cancellation ...................................................................................................................... 59
Slogan postmarks .............................................................................................................................. 59
Post Office Service Envelopes .......................................................................................................... 64
Aerogrammes/Air Letters ................................................................................................................. 64

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 Federal services................................................................................................................................. 68
Express Post Services ....................................................................................................................... 69
Urgent Mail Service (UMS).............................................................................................................. 69
Contents ............................................................................................................................................ 69
Product Mix ...................................................................................................................................... 69
Weight and Size .................................................................................................................................... 69
Urgent Mail Service - Counter Collection (UMS-CC) ..................................................................... 70
Pick up and credit facility ................................................................................................................. 70
Express Mail Service (EMS) ............................................................................................................ 71
SPECIAL FEATURES OF THE SERVICE ..................................................................................... 71
Maximum Weight of an EMS Item................................................................................................... 72
Maximum Size .................................................................................................................................. 72
Terms & Conditions.......................................................................................................................... 73
EMS PLUS EXPORT PARCEL ....................................................................................................... 73
SALIENT FEATURES OF SERVICE ............................................................................................. 75
Fax Mail Service (FMS) ................................................................................................................... 76
Urgent Mail Service (UMS) - Cash On Delivery ............................................................................. 77
Product Mix ...................................................................................................................................... 78
Weight and Size ................................................................................................................................ 78
Same Day Delivery in Twin Cities (Rawalpindi - Islamabad) ......................................................... 79
Marketing Mix Strategy .................................................................................................................... 79
Michael five forces model ................................................................................................................ 80
Understanding Porter's Five Forces .................................................................................................. 80
Competition in the Industry .............................................................................................................. 81
Potential of New Entrants Into an Industry ...................................................................................... 81
Power of Suppliers ............................................................................................................................ 81
Power of Customers .......................................................................................................................... 82
Threat of Substitutes ......................................................................................................................... 82
3c Analysis ........................................................................................................................................ 82
CONCLUSION: ................................................................................................................................ 86
RECOMMENDATION: ................................................................................................................... 86
Proper Planning................................................................................................................................. 86
14. WORK DONE BY ME:.............................................................................................................. 87
SAVING DEPARTMENT: .............................................................................................................. 87
ACCOUNTS DEPARTMENT: ........................................................................................................ 87

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1. INTRODUCTION OF THE ORGANIZATION:

Pakistan Post Office is one of the oldest government departments in the Sub-
Continent. In 1947, it began functioning as the Department of Post & Telegraph. In
1962 it was separated from the Telegraph & Telephone and started working as an
independent attached department.

An autonomous High Powered Postal Services Management Board has been

established through Pakistan Postal Services Management Board Ordinance, 2002.
The executive management of postal and allied services below the Directorate
General is done at three levels – the Circle Level, the Regional Level and Divisional /
District Level.

Each Circle is headed by a Postmaster General and its territorial jurisdiction extends
to a province. In carrying out their responsibilities, the Postmasters General are
assisted by the Regional Deputy Postmasters General and Unit Officers at
operational level.

Pakistan Post is providing postal services in every nook and corner of the country
through a network of around 13,000 post offices. Pakistan Post is providing delivery
services to about 20 million households and businesses as community service
without any cost considerations. In addition to its traditional role, the Pakistan Post
also performs agency functions on behalf of Federal and Provincial governments,
which inter-alias include Savings Bank, Postal Life Insurance, Collection of Taxes,
Collection of Electricity, Water, Sui Gas and Telephone bills.

Pakistan Post is also providing a universal postal service network in harmony with
the Universal Postal Union (UPU) strategy to ensure secure and timely delivery of
mail, money and material at affordable cost through utilization of people, process and
technology and innovative product offerings.

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2. HISTORY OF THE ORGANIZATION:

Historically, it is among the oldest government-run departments as it began

functioning as a part of the Department of Post & Telegraph immediately after
Pakistan’s independence. Eventually, in 1962, it was separated from the Telegraph.
Department and began working as an independent entity, connected to the Ministry
of Communications.

What began as a small network of barely 3,000+ post offices has expanded into
more than 13,000 post offices across the country. It is also one of the largest
employers in the country, with nearly 50,000 employees’ working day and night
to ensure that your orders and parcels reach you on time.

Middle ages:

During the Mughal Empire and Samma dynasty, an early postal system developed
along the banks of the Indus River in Sind beginning in the 13th century. The system
consisted of runners or "dak" (‫ )کاڈ‬who would carry letters from one point to another

[6]
and then hand it off to the next runner who would do the same. Runners were paid

according to distance traveled and weight of the letters. The system extended from
Thatta in the south, through Kotri and Hyderabad and as far north as Sukkur. The
system later expanded into lower Punjab (Multan and Bahawalpur). Letters could be
exchanged by over two dozen runners before they reached their destination.

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British period (1843-1947):

In February 1843, following the Battle of Miani, Sind fell to the British followed by
Punjab in 1845. Sir Bartle Frere became the Chief Commissioner of Sindh in 1850
and improved upon the postal system by introducing a cheap and standard rate for
[7]
postage, independent of distance traveled. In 1851, runners were replaced with

horses and camels which proved to be beneficial as it quickly and efficiently

transported mail, connecting government offices and post offices. In 1855, the
Scinde Railway began taking over most mail routes however camels and horses
were still used in regions where the railway had not yet reached. By 1886, the North
Western State Railway was responsible for transporting most mail up and down the
country. The postal system by now had been expanded from Karachi in the south to
as far north as Gilgit.

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Post-Independence period (1947-present):

Pakistan Post was established following its independence from Britain under the
modified Post Office Act VI, 1898 and became operation on 14 August 1947.
Pakistan Post fell under the Department of Posts and Telegraph in the Ministry of
Communications. The Office of the Postmaster General was established

in Lahore. In November 1947, Pakistan joined the Universal Postal Union as its 89th
member. In 1948, Pakistan Post issued its first postage stamps, a set of four stamps
commemorating the country's independence. In 1959, an "All-up-Airmail" scheme
was introduced by which all letters were airlifted between stations on an air network.
Sikorsky helicopters of Pakistan International Airlines were used to deliver mail
[10]
within East Pakistan. In July 1962, the government bifurcated the old department

and independently placed Pakistan Post under the Ministry of Communications. In

January 1987, "Urgent Mail Service" was introduced in the country and in April
[12]
1987, "Local Packet & Parcel Service" was introduced. On 1

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January 1988, five-digit postal codes were introduced nationwide. Between 1 August
1992 to 6 July 1996, the post office was separated from the Ministry of Communications
and was made an independent corporation. From 1 December 1992, a new "Overseas
Postal Circle" with its headquarters in Islamabad was launched, to streamline foreign
mail. Prior to the Islamabad facility, all international mail was received and sent through
Karachi. Between 2006 and 2007, mail was sent using 19 domestic airports

including Chitral, Karachi, Lahore, Moenjodaro, Multan and Skardu. During the same
period, four international airports were also used: Islamabad, Karachi, Lahore

and Peshawar. In 2007, the Pakistan Post embarked on a new vision which included a
logo change. On 3 November 2008, the department was placed under the postal
division of the newly created Ministry of Postal Services. Senator Israr Ullah Zehri was
appointed its first minister.

Current Status of the Organization:

Govt successfully addressed annual deficit of Pakistan Post after 12 years: Murad

January 15, 2022

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Minister for Communication, Murad Saeed says government has successfully addressed the
annual deficit of the Pakistan Post after twelve years under the leadership of Prime Minister
Imran Khan.

Murad Saeed, he said the government is committed to make the institution as a brand with
the cooperation of public.

Murad Saeed said that public's confidence in the institution has increased due to
government's efforts as Pakistan Post has also improved its international rankings.

The Minister said that the revenue of Pakistan Post was increased by 15 billion rupees in
the last three years.

3. VISION, MISSION AND OBJECTIVES:

VISION: Revamp Pakistan Post to meet challenges of 21st Century and become
a hub of commercial & social activities

MISSION: Delivery & Information at lightning Speed.

KEY OBJECTIVE

Transform Pakistan Post into an efficient, customer friendly, modern and self-
sustainable organization.

OBJECTIVES:

Deliver on the values and experiences our customers expect from the Postal Service
in a digital economy; by focusing on customer expectations first, we ensure we make
smart decisions about relevant innovations and strategic investments.

2 Equip, engage, and empower our employees to best meet the needs of our
customers; this is key to delivering world-class customer experiences and
implementing new initiatives efficiently and effectively.

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 3 Innovate faster to deliver value to the American people; the faster we innovate,
the better we keep up with the marketplace and provide customers with appropriate
products and services.

4 Invest in postal platforms—domestic and international, retail and digital—that will

best deliver excellent, universal, secure, and sustainable services to our customers
and the communities in which we operate.

Future strategies:

THE POSTAL SERVICE WILL NEED TO ADAPT TO THE FOLLOWING TRENDS:

1. Businesses will continue to conduct more transactions electronically with consumers,

putting downward pressure on First-Class Mail volume, which currently provides the
greatest contribution toward covering our institutional costs.

2. The rapid increase in digital media channels and the success of omni-channel
marketing efforts will cause businesses, especially small- and medium-size
enterprises, to continue to rely on physical marketing materials, which will provide
opportunities for stable Standard Mail volume.

3. Strong mobile ecommerce will continue to disrupt brick and mortar retail operations
to drive growth in Package volume, especially for “last mile” delivery services to
consumers from retail locations and fulfillment centers.

4. Continued growth in ecommerce will increase competition in first and “last mile”
delivery services, especially from competitive carriers using part-time on-demand
workers.

5. Expand post office box and parcel locker operations to better support the growing
demand for packages and to improve our customers’ experiences when dropping off
and picking up packages.

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6. Improve retail office environments and enhance employee training.

7. Fully deploy next generation Retail Systems Software that will improve point-of-sale
experiences, facilitate employee training on new products and services, and enable
customers to use the latest payment methods

KEY ELEMENTS OF PLAN:

Use of Technology

• Automation of Counter Activities

• Use of Computer Based Tools like Track & Trace, Electronic Money Transfer etc.

• Provision of Security Cameras in DMO’s/IMO’s

• Introduction of Postal Information System

Quality of Service

• QOS parameters have been set

• Processes modified to remove bottlenecks

• 1370 Motor Bikes provided to improve delivery service

Explore further business opportunities

• Extension through Franchise model

• Public Private Partnership

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• Expand banking operation esp. to serve rural areas

• Cargo/Logistic Service

• Direct Mail Service

• Registration/Verification Services

• Distribution/Consumer Service

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4. ORGAZNIZATIONAL STRUCTURE:

An organizational structure is a system that outlines how certain activities are

directed in order to achieve the goals of an organization. These activities can include
rules, roles, and responsibilities. The organizational structure also determines how
information flows between levels within the company.

4.1. ORGANIZATIONAL HIERARCHY

DIVISIONAL SUPERINTENDENT POSTAL

SERVICES

CHIEF POST MASTERS

DEPUTY POST MASTERS

ASSISTANT POST MASTER

CLERICAL STAFF

POSTMAN

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4.2. DEPARTMENTAL HIERARCHIES:

4.2.1. CHIEF POST MASTER:

CHIEF POST MASTERS GRADE 17

DEPUTY POST MASTRES GRADE 14

ASSISTANT POST MASTERS GRADE 11

CLERICAL STAFF GRADE -9

DELIVERY AGENTS GRADE-8

POSTMAN GRADE 7

DRIVER/SECURITY GUARD GRADE-4

MALE PEON GRADE -2

NAIB QASID GRADE-1

4.2.2. DIVISION:

DIVISIONAL SUPERINTENDENT
POSTAL SERVICES GRADE-17
ASSISSTANT SUPERINTENDENT

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 POSTAL SERVICES GRADE-14
POSTMASTER HSG(HIGHER
SELECTION GRADE) GRADE-14
POSTMASTER LSG(LOWER SELECTION
GRADE) GRADE-11

CLERK GRADE-9

CASH OVERSEER GRADE-8

POSTMAN GRADE-7

MALE PEON GRADE-2

RUNNER/NAIB QASID/SANITORY
GRADE-1

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4.3. ORGANIZATIONAL CHART:

ACCOUNTS DEP.

SUB ACCOUNTS
DEP.
GPO JHELUM

SAVING DEP.

PENSION DEP.

TREASURY DEP.

ADMIN DEP.

DELIVERY DEP.

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COUNTERS

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5. SWOT ANALYSIS:

SWOT analysis of Pakistan post revealed the following findings:

STRENGTHS

• Institutionalized service structure

• High degree of coherence

• Inbuilt perks/facilities

• Administrative & financial autonomy

• Rounded experience

• Century Old Organization

• Large Human as well as physical Infrastructure

• Presence, both in urban and rural areas

• Large portfolio of Services

• Trust of Public

WEAKNESSES

• Low visibility

• Inward looking

• Promotion stagnation

• Lack of autonomy in operation

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• Lacking in technology/automation

• Lack of training

• Absence of Marketing/Customer Care Functions

• Poor Market Perception

• Poor Incentives for Staff/Lack of Motivation

• Inadequate Supervisory Positions

OPPORTUNITIES

• Overseas training, fellowships

• Local & Foreign postings

• Proximity to the private sector

• Institutional flexibility

• Provide access to larger population

• Tremendous potential to grow business in existing services

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• Optimal use of the large infrastructure

• Explore new business avenues

THREATS

• Growth of courier companies

• Advent of digital mail

• Complacency

• Marginalization- irrelevance

• Deteriorating physical, technical & human infrastructure

• Fast depletion of market share to private courier companies

• Lack of autonomy to effectively compete

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FINANCIAL SERVICES:

6.1. SAVINGS BANK

Pakistan Post Savings Bank provides the largest network of savings bank services
in Pakistan. On behalf of the Ministry of Finance, it has been instrumental in
mobilizing long-term savings among the general public.

It is popular in both urban and rural areas, but its operations are widespread and
deeply rooted in rural Pakistan. In fact, this banking service is only available in most
remote areas. Through an extensive network of post offices, Pak Post Savings Bank
offers a number of very attractive savings bank plans.
6.1.1. SAVINGS ACCOUNT

Easy and simple transfer to account at any post office branch within the country.
There is no investment limit

6.1.2. SPECIAL SAVINGS ACCOUNT

You can see the rate of return here

(rate of return)

Three year scheme, but can withdraw at any time after one month of investment.

There is no investment limit.

6.1.3. SAVINGS BANK MOBILE ACCOUNT

• This service ensures security in handling money from a city. The account holder
is required to deposit a minimum of Rs.2000 and is allowed to withdraw 75% of
the entire deposit from any GPO in Pakistan.

• Safe and reliable

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• Risk guards in handling cash while traveling

• Can make a profit through deposits.

6.1.4. DEFENSE SAVINGS CERTIFICATE

You can see the rate of return

here (rate of return)

• Certificates are issued for ten years but can be returned at any time after one
month.

• Certificates can be transferred from one city to another and from one person
to another

• Certificates are available in denominations of Rs. From 500 to 1000000.

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6.1.5. SPECIAL SAVINGS CERTIFICATE

• You can see the rate of return

here (rate of return)

• Three year scheme, but can be withdrawn at any time after one month of investment

• These certificates are available worth Rs. 500, 1000, 5000, 10000, 50000, 100000,
500000 and 1000000.

• Profit is paid on completion of a period of six months

• There is no investment limit.

6.1.6. REGULAR INCOME CERTIFICATE

• You can see the rate of return

here (rate of return)

• Five year regular scheme

• Monthly profit subject to 10% holding tax on an account of Rs. 740 / -

• These certificates are available in denominations of Rs. 50000, 100000, 500000,

1000000, 5000000 and 10,000,000 rupees.

• Profits are payable on a monthly basis

• Both individual and shared purchases are permitted

• There is no investment limit

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• Exemption from Zakat deduction

• The scheme is specially designed to meet the needs of pensioners, widows,

orphans etc.

6.2 MILITARY PENSION PAYMENT

Pakistan Post offers a wide range of products and services to cater to the
personal and business needs of different segments of society. Traditional services
are the core business of Pakistan Post.

Apart from core business, Pakistan Post is performing many other agency and
financial functions. Military pension payment is one of the mega function of Pakistan
Post. Pakistan Pakistan's armed forces post by retired military personnel is from 01-
07-1993 through their pension savings bank account

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 to overcome problems and streamline procedures, military pension payment system
There was an urgent need to computerize. In this regard, a computerized military
pension payment system has been implemented in phases across all GPOs across
Pakistan.

(Total number of pensioners (2007-2008)

Total
Names of the Pakistan Pakistan Frontier
Pak Army number of
Armed Forces Navy Air Force
Constabulary pensioners

of
941,081
Number 39,216 93,102 61,722 1,135,121
pensioners

Features of computerized military pension payment

• The process of payment of pension to the pensioners has been made possible in
about 2 minutes.

• The possibility of double payment has been eliminated

• The quality of service to our customers has been improved

• Since all business reports have been computerized, paper work has been eliminated

6.3 POSTAL LIFE INSURANCE

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Postal Life Insurance is the oldest organization of its kind in the subcontinent.
Established by the British Raj in 1884 to ensure the lives of postal mail runners, initially,
its services were gradually expanded to other government employees as well. However,
its benefits were not available to the public until 1947. After independence, Postal Life
emerged as a major player in the life
insurance business and offered its services to everyone. Postal Life Insurance is the
brainchild of the Ministry of Finance. Pure Post acts as
its agent. However, the Director General of Pakistan Post is exclusively responsible
for managing the organization and controlling its operations and marketing of its
various products. Postal Life is exempt from corporate and income tax. Every penny
generated is invested in the Post Office Insurance Fund controlled by the Ministry of
Finance. Pak Post returns the rate above the current government investment rate.
This policy ensures the security of funds, attractive returns and growing public trust.

Postal Life has a strong presence in rural areas due to the extensive network of post
offices. Each post office serves as its store. This gives Postal Life a huge advantage
over its business rivals and helps in ensuring the highest bonuses on their
investments while offering a wide range of insurance policies to the customers at the

Lowest premium. Any local assistant director of Postal Life Insurance Pakistan can be
contacted for the purchase of a policy. Assistant Directors Officers, most of whom
are located at the General Post Office. The Assistant Directors are the focal persons
for inquiries, clarifications or settlement of claims. Deputy Director General Agency
Functions deals conditionally at Pakistan Post Headquarters G-8/4 Islamabad.
Phone 92-51-9261571

People who are working abroad can purchase the policy during their visit to
Pakistan.

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Postal Life Insurance offers 10 lucrative options:

• Lifelong policy

• Common life settlement policy

• Assurance of education and marriage endowments

• Accidental death and permanent disability benefit contract

• Annual policies

• Endowment policy

• Expected endowment (three payments) plan

• Child protection policy

• Non-medical policy

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• Group insurance

Special qualities

• Lowest premium rate

• Contribute to all policies including profits

• Payable on monthly basis and only up premium

• Payment of cash premium at any post office in Pakistan

• There is no ceiling for general policies

• Revival of Expired Policies on Easy Terms

• Loans on policies

• The highest bonus rate

• Open to all

• Advisor on premium advance payment

• Payment of premium through pay bill deduction

• Non-lapsing of policies of two years duration

• The value of liberal surrender of policies

6.4 WESTERN UNION MONEY TRANSFER

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 Transfer to Pakistan from more than 190 countries /
regions around the world in a matter of minutes, under a plan signed in 2002 to
distribute the payments received by Pakistan Post from all over the world through the
Western Union channel. Pakistan Post has helped Pakistan's legal exchange

Features

• The fastest way to transfer money to Pakistan.

• Delivery through your nearest GPO / Post Offic

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6.5. (EMO) ELECTRONIC MONEY ORDER

Pakistan Post has launched Electronic Money Order (EMO) service for
domestic money transfer. The service will facilitate customers to transfer money
within the country immediately. Customers will be able to transfer up to Rs.
100,000. Very modest charges of Rs. 50 to Rs. The service is available in all 83
GPOs across Pakistan.

Price of electronic money order and commission rate

Commission (EMO) The value of electronic money order

Rs. 50 Up to Rs. 2,000

Rs. 100 Up to Rs. 5,000 to Rs. 2,000

Rs. 200 Up to Rs. 10,000 to Rs. 5,001

Rs. 250 Up to Rs. 15,000 to Rs. 10,001

Rs.350 Up to Rs. 20,000 to Rs. 15,001

Rs. 400 Up to Rs. 30,000 to Rs. 20,001

Rs. 450 Up to Rs. 40,000 to Rs. 30,001

Rs. 500 Up to Rs. 50,000 to Rs. 40,001

Rs. 600 Up to Rs. 100,000 to Rs. 50,001

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 • Note : Commission tax is also included and there are no additional charges

6.6. MONEY ORDER

Pure Post Remittance Services are very popular. This is a safe and
cheap mode for remittances. The majority of the population lives in rural areas where regular
transaction services are scarce. Pak Post makes up for this shortfall and provides remittance
services through money orders

6.6.1. Money order prices

Money order is an order issued by the post office for payment of money through the post
office agency. Almost all post offices are money order offices.

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6.6.1. Money order prices

Money order is an order issued by the post office for payment of money through the
post office agency. Almost all post offices are money order offices.

Money order type Money order value (Commission Payment (Rs

Normal MO Upto Rs.10,000 / - Rs. 75 / -

Normal MO Upto Rs. 20,000 / - Rs.100 / -

Army MO Upto Rs. 10,000 / - Rs.25 / -

BISP MO Upto Rs. 10,000 / - Rs.25 / -

VP MO Upto Rs. 10,000 / - Rs.25 / -

VP MO Upto Rs. 20,000 / - Rs. 50 / -

Express charges for money order urgent are Rs. 30 (City to City) and Rs. 15 in

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addition to the local commission will be charged.

6.7. POSTAL ORDER

Pure Post provides postal order service. It is designed

to meet the requirements for small remittances at low commissions. This traditional
postal service facilitates prospectus, application forms and other relevant information
for prospective students and employees.

Pakistan Postal orders are issued in denominations of Rs. Rs.1.00, Rs.2.00,

Rs.5.00, Rs.10.00, Rs.15.00, Rs.20.00, Rs.30.00 and Rs.50.00.

Pakistan Postal Orders are sold for a fixed amount of Rs. 1.00 to Rs. 50 for cash or
for checks and are paid by all Head and Sub Post Offices in Pakistan. A Commission
has revised the notification under the Ministry of Communications on the issue of
Pakistan Postal Order No. SRO (I) / 2015 dated 02-09-2015 at the same rate of
Rs.20 / Pakistan Postal Order (Rs. Twenty) Rs. Up to the value of the single postal
order will be received from the buyer.

6.8. DOCK DRAFTS

Pak Post further expanded its scope of financial services. To meet the needs of the
urban population and the business community, it launched the Postal Draft
Service. This is very competitive as the service charges are nominal and the
payment is relatively faster than the traditional banks.

This remittance service operates between major post offices. It is used for
remittances by individuals or organizations.

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 7. MAJOR CHALLENGES & ISSUES

• Difficulty in competing effectively in the market due to lack of empowerment

• No funding for development of infrastructure

• Both physical & technical infrastructure not compatible with present day needs

• Burden to meet social obligations

• Tariffs/Service charges not cost based

• Stopped getting PSDP since 2003-04 due to inability to pay back

Managerial & Supervisory positions inadequate for

• Large Infrastructure

• Huge Service portfolio

• Aggressive Goals & Targets

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7. POSTAGE STAMPS

Nasik Overprints

On 1 October 1947, the government released its first stamps, being from the 1940s
British India series of King George VI stamps overprinted with the word Pakistan

Known as the Nasik Overprints, after the place near Mumbai, India, where they
were over printed, this set consists of 19 stamps.

Definitive

Two 1948–52 stamps of Pakistan

Over the last 60 years, 17 definitive or regular series have been issued. The first
series was issued on 14 August 1948 and consisted of 20 stamps. These stamps
featured scales of justice (3) (SG 24–26); crescent and star (3) (SG 27–29); Lloyd's

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Barrage (now Sukkur barrage) (3) (SG 30); Karachi Port Trust building (5); Sal
mullah Hostel, Dacca University (3) and the Khyber Pass (3) (SG 41–43). Mian
Mahmood Alam Suharwardy gave 2 designs for this set: scale of justice (SG
24,25,26) and star and crescent (SG 27,28,29). These along with the 1949
redrawn series, were withdrawn from sale on 1 January 1961.

The 1951, 1954, 1955 and 1956 Independence Anniversary issues were all basically
definitive series. During this time, these stamps featured the Badshahi Mosque and
Jahangir's Tomb in Lahore; the Kaghan Valley and the mountains around Gilgit; tea
gardens, jute fields and Karnaphuli Paper Mill in East Pakistan (now Bangladesh) and a
textile mill, cotton fields and a Sui Gas Plant in West Pakistan.

The 1957, 1958 and 1960 Republic Day (23 March) issues were also definitive.
Since then 10 further series have been issued, with the latest in 1998. The 1978
series was printed with both gum Arabic and PVA gum, though the PVA issue had
only 17 stamps compared to 18 for gum Arabic.These stamps featured the Minar-e-
Pakistan (3); tractors (9 Gum Arabic, 8 Gum PVA) and Makli tombs (6). Of the last
four series, three in 1989, 1994 and 1998, feature different portraits of the Quaid.
The fourth in 1995 featured a geometric design.

The printing of these stamps was divided between two printers: Pakistan Security
Printing Corporation (PSPC) and Time Press, Karachi. The former printed the 2
paisa, 3 paisa and 13 paisa (SG 126) stamps while the later did the 1 paisa, 7 paisa
and 13 paisa (SG 127) stamps.

In the printing the Times Press used as many as 34 plates; 17 for 1 paisa (ordinary
and service), 14 for 7 paisa’s and 3 plates for 13 paisa’s. The PSPC used single
plates for each denomination, therefore resulting in only minor varieties and shifts.

Service stamps with decimal surcharges were also printed by the same printers.

However, these are scarcer than ordinary stamps.

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Forgeries in this issue exist in such numbers that they make the average person think
that there are more errors and varieties than in fact. In the 2 paisa’s Service stamps,
errors including service on front and surcharge on gum side are forgeries.

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The 1957, 1958 and 1960 Republic Day (23 March) issues were also definitive.
Since then 10 further series have been issued, with the latest in 1998. The 1978
series was printed with both gum Arabic and PVA gum, though the PVA issue had
only 17 stamps compared to 18 for gum Arabic.These stamps featured the Minar-e-
Pakistan (3); tractors (9 Gum Arabic, 8 Gum PVA) and Makli tombs (6). Of the last
four series, three in 1989, 1994 and 1998, feature different portraits of the Quaid.
The fourth in 1995 featured a geometric design.

The printing of these stamps was divided between two printers: Pakistan Security
Printing Corporation (PSPC) and Time Press, Karachi. The former printed the 2
paisa, 3 paisa and 13 paisa (SG 126) stamps while the later did the 1 paisa, 7 paisa
and 13 paisa (SG 127) stamps.

In the printing the Times Press used as many as 34 plates; 17 for 1 paisa (ordinary
and service), 14 for 7 paisa’s and 3 plates for 13 paisa’s. The PSPC used single
plates for each denomination, therefore resulting in only minor varieties and shifts.

Service stamps with decimal surcharges were also printed by the same printers.

However, these are scarcer than ordinary stamps.

Forgeries in this issue exist in such numbers that they make the average person think
that there are more errors and varieties than in fact. In the 2 paisa’s Service stamps,
errors including service on front and surcharge on gum side are forgeries.

In the 3 paisa and 13 paisa (SG 127) stamps, spelling errors such as "3PASIA" or
13 "PAIS" which are even listed in Stanley Gibbons are forgeries. In the 7 paisa
there are a number of known forgeries including extra sharp letters with the 'S'
slightly broader. The 13 paisa (SG 126) is one issue in which the existence of
forgeries is very difficult because of the existence of variable stages of wear.

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Themes and series

A stupa in Taxila depicted on stamp

Over the years, the postal authorities have portrayed, commemorated and honored
various personalities, national and international organizations and events, the
country's flora and fauna, its cultural and historical heritage as well as the country's

First commemorative issue

The first commemorative issue was released in July 1948 for the country's first
anniversary. Three of the four stamps depicted places from West Pakistan while the
fourth stamp depicted a motif. The places where: Constituent Assembly Building,
Karachi (1 ½ Anna’s), Karachi airport (2 ½ Anna’s) and Lahore Fort (3 Anna’s). The
stamps were inscribed "15th August 1947" because of the prevailing confusing as
to which date was Pakistan's actual date of independence. It wasn't until early 1949,
that this confusion was cleared by declaring 14 August as independence day. The
artist,

A.R. Chughtai was also amongst Pakistan's first stamp designers having designed
the Re 1 motif stamp. The other stamps were designed by Rashid Uddin (1 ½

45 | P a g e
Anna and 3 Anna) and M. Latif 2 ½ Anna). This set was printed in London by
Thomas De La Rue Company as the country did not have its own printing press.

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Decimal Surcharges

In 1961, the government decided to introduce decimal coinage into the country.
This necessitated the surcharging of stamps to reflect this change. Six stamps were
chosen from various issues as follows:

• paisa (SG 122) on 1 ½ Anna stamp (SG 68) from the 7th Anniversary of
independence set released on 14 August 1954. It depicted Jahangir's Tomb
in Lahore.

• paisa’s (SG 123) on 3 pie stamp (SG 24a) from the first regular series
crescent and star facing north east released on 14 August 1948. Scales
of Justice were depicted on this stamp.

• paisa’s (SG 124) on 6 pies stamp (SG 108) from the Jammu and Kashmir
definitive set released on 23 March 1960. Stamp depicted a map of Pakistan.

• 7 paisa’s (SG 125) on 1 Anna stamp (SG 67) from the 7th Anniversary of
independence set released on 14 August 1954. The Badshahi Mosque,
Lahore stamp was chosen from this series.

• 13 paisa’s (SG 126) on 2 Anna stamp (SG 83) from the 9th Anniversary of
independence set released on 14 August 1956. Stamp showed a crescent
and star.

• 13 paisa’s (SG 127) on 2 Anna stamp (SG 109) from the Jammu and Kashmir
definitive set released on 23 March 1960. Stamp depicted a map of Pakistan
with Jammu and Kashmir's status as not yet determined.

• development. Other themes include health, educational institutisons, religion,

sports and defense.

• Though it has now become very common to portray a human face on stamps,
for the initial 17 years this was not the case. Mr. M. H. Zuberi, a retired CSP
officer, tried to get the president's approval to issue stamps with the Quaid's

47 | P a g e
portrait in 1964. This was however, rejected on the grounds that the people
might not accept them. He however, persevered and it paid off when the first
locally designed issue to carry a human face, a set of three stamps, was
released to pay homage to the country's armed forces after the War of 1965.
The first incumbent head of state or government portrayed was General Ayub
Khan on the 1966 stamps for the new capital of Islamabad.

48 | P a g e
 • The Quaid was first pictured on his 90th birth anniversary in 1966. Earlier
issues carried motifs and wordings or his mausoleum. Since then
numerous stamps have been issued carrying his portrait including his 50
death anniversary in 1998 (SG) and 125 years of his birth in 2001.

• Since the 1960s, the government has featured a large number of both local
and foreign personalities including Allama Mohammad Iqbal, Mirza Ghalib,
Kemal Atatürk, Shah of Iran, Maria Montessori, Hakim Saeed, Liaquat Ali
Khan, Nusrat Fateh Ali Khan, Tipu Sultan and Abdus Salam. The largest set
ever issued consisted of 27 stamps and depicted pioneers of Pakistan's
freedom movement (1990) (SG 801–827). For a complete list of personalities
on Pakistani stamps, please see this list.

• Over the years, various series have been periodically issued. There is no set
basis for their issuance and these are released at the discretion of the
authorities. Current series include Men of Letters and Medicinal Plants of
Pakistan. Other series have included Fruits of Pakistan, Handicrafts, Mohenjo-
Daro, Poets of Pakistan and Wildlife.

Gold stamp

In 1976, the authorities issued a gold stamp for the birth centenary of Mohammad Ali
Jinnah. Each stamp carried 25 mg of 23/24 carat gold and was valued at Rs. 10.
These stamps were printed by Cartor S.A., France using a special silk screen
printing process known as serigraphy. It was the first time that this process was used
to make a stamp. A sheet let with stamp impression and a description of the event at
the bottom was also released.

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Errors, Varieties, Forgeries and Overprints

There were two famous "errors" during the 1960s. The 1961 definitive was initially
released with the name of the country wrongly spelt in Bengali i.e. "Shakistan"
instead of Pakistan. The error was corrected and new stamps released. In 1968,
the government printed stamps commemorating the Bengali poet Kazi Nazrul Islam.

However, the birth year was out by a hundred years: 1989 instead of 1889. Although
these stamps were not issued, a few of them did find their way into the market.

Forgeries exist in the decimal surcharge stamps of 1961.

For the 10th Anniversary of the United Nations, Pakistan Post overprinted two
stamps, one each from the 7th (1 ½ anna) and 8th (12 anna) Anniversary issues,
with the words, Tenth Anniversary United Nations 24.10.55 in blue.

Varieties of different kinds exist in many different issues. Watermark variations are
common. For example, in the 1994, definitive series, inverted watermark (Rs. 5,
Rs. 10, Rs. 12 and Rs. 15) and watermark sideways (Rs. 10, Rs. 15 and Rs. 20)
are known.

Withdrawn and not released Issues

In 1976, the post offices designed a stamps to coincide with the opening of the Shah
Faisal Mosque in Islamabad. However, this issue was not officially released but did
manage to find its way onto the market. In 2007, it issued and later withdrew a
stamp to commemorate the 1st Anniversary of the 3rd meeting of the ECO Postal
Authorities held in Turkey. The stamp was withdrawn because the name of the
country had not been printed on it.

Joint issues

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Twice during the 1960s and then yearly in the 1970s, Pakistan released joint issues
with Turkey and Iran to commemorate the Regional Cooperation for Development
(RCD). The stamps depicted various aspects from the three nations including
paintings, landscapes, personalities, handicrafts and mosques. Between 1977 and
1994, the country released 5 joint issues with Indonesia for the Indonesia Pakistan

Economic and Cultural Cooperation (IPECC) Organization. In 1995, it issued a stamp

with Turkey for the holding of the conference of women parliamentarians. And in 1997,
Jalal al din Rumi and Allama Muhammad Iqbal were honored with Iran.

On the political front, in 2002 it teamed up with Kyrgyzstan to release a stamp on the
10th anniversary of diplomatic relations between the two countries, and in 2004,
Eurasia Postal Union (2001) members: Azerbaijan, The Turkish Republic of
Northern Cyprus, Pakistan and Turkey jointly issued stamps on the Silk Route.

Souvenir sheets

The first souvenir sheet was issued for Universal Postal Union Day on 9 October
1971. It was an imperforate sheet valued at 70p. There were no leaflets or first
day covers released and 10,000 sheets were printed.

Over the years, other sheets have been released and include both perforated and
imperforate sheets. These include the 2,500th anniversary of the Iranian Monarchy
(1971), the Quaid's 50th death anniversary (1998) (SG MS1048) and the 50th
anniversary of the first ascent of K-2 (2004).
In 2005, Pakistan Post issued a souvenir sheet to raise money for the 2005
earthquake victims. There were 8 stamps of Rs. 4, though the sheet was valued
at Rs. 100. The entire amount was meant for the President's Fund. However, the
souvenir sheet was also valid for postage but for Rs. 32 only. This sheet has not
been given a number by the post office but catalogues list it as an issue. A similar
issue was released in 2009 for raising funds for the prime minister's relief fund for
Swat refugees. Like 2005, this issue was also sold for Rs. 100/- but it contained
postage stamps worth Rs. 40/- only.

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2008 saw the release of three souvenir sheets: the first on 29th martyrdom
anniversary of Zulfikar Ali Bhutto in April with the slain leader's daughter,
Benazir Bhutto, who was assassination in December 2007. The second on the
birthday celebrations of Benazir Bhutto and the third on her death anniversary.

Booklets

Pakistan has to date issued only four booklets, the only regular issue, was released
in 1956. The other three were issued for stamp exhibitions in the 1990s. Released

on 23 March 1956, the first booklet was also the only time a private company, in this
case Atco Industries, makers of Alladin battery cells, had sponsored a booklet. It
contained 24 stamps of two denominations, 6 pies (SG 65) and 1 ½anna (SG 68),
from the 7th anniversary set of 1954. Each pane was separated by interleaving of
butter paper. The booklet was priced at Rs.1/8.10,000 booklets were printed.

during the National Seminar on Philately held in Multan in 1992. It consisted of 2

denominations from the Mohammad Ali Jinnah 1989 definitive series overprinted in
light grey with "National Seminar on Philately Multan 1992". Watermarked paper was
used and it was printed using lithography for the frames and recess for the center.
PVA gum was used with perforation at 13C. The price was Rs. 20 even though the
stamps were valued at only Rs. 18.
The third booklet, for a stamp exhibition in Peshawar, was released in a quantity of
8,500. It was sold through the philatelic bureau across the country. This exhibition
organise of Peshawar Stamp Society, Peshawar. Released on 20 January 1993, 3
values (SG 632, 633 and 636) from the forts definitive issue were used and 18
stamps each were printed. The price was Rs. 30, Rs. 3 more than the value inside.
There was no watermark and perforation was 11C. Both PVA and Gum Arabica
were used

52 | P a g e
The fourth and last booklet was released on 1 February 1994. It used the Re.1
stamp depicting Wazir Mansion, the birthplace of Mohammad Ali Jinnah. Though
10,000 booklets were printed, because of defects many were return and therefore
the actual numbers sold is considerably lower.

Languages

When stamps were initially issued, the name of the country was in two languages i.e.
English and Urdu. Bengali, which was the first language for more than half the
population, was not depicted on stamps until 1956. The first set aptly commemorated
the first session of the National Assembly in the eastern wing. From then until 1973
when Pakistan officially recognised Bangladesh, three languages were depicted on
the country's stamps. After 1973, it reverted to using Urdu and English again.

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First Day Covers

Though Pakistan started issuing first day postmarks with its first stamps, this was
not the case with covers. Earlier, collectors made their own covers and took them to
the post office to be stamped. This however, changed in 1961 when official ones
were released. Before, that only one official FDC was released on the occasion of
the centenary of the Scinde Dawk issue.

Annual and special folders

Earlier, annual folders containing the entire year's issues were prepared and sold
throughout the country to promote philately. However, in recent times this practise

The second booklet, with a released quantity of between 500 and 600, was only
sold has been discontinued.

In 1989, Pakistan Post issued a special folder during INDIA89. It consisted of a

single sheet of 5 stamp designs from the Los Angeles Olympics. The cover depicted
the Post's logo and the inscription, "Olympics Los Angeles Commemorative
Postage Stamps." A quantity of 250 folders was sold at their face value of Rs. 150.
These were later traded at Rs. 2000/-

Printing

54 | P a g e
Designers and stamp design

Three people, A.R. chughtai, Rashiduddin and Muhammad Latif, have the honour of
designing the first commemorative set issued in July 1948. Since then, numerous
other people have designed stamps for the country, including some well- designed
over 350 stamps for his country.

Most of the stamps designed are by local designers. However, photographs have
been also used for stamps as in the Louis Pasteur issue (1995) (SG 978) and the
1993, Siberian Crane issue (SG). Some organizations linked to a stamp issue,
supply their own design. These have included the Family Planning Association of
Pakistan (SG), Kinnaird College for Women, Lahore (SG), Muslim Commercial Bank
(SG) and UNICEF Pakistan (SG). For the 1987 Air Force Day set (SG 715–724), a
painting by Sq. Ldr Masood was used to design the final stamps. Faiz Ahmed Faiz's
stamp (SG 510) in 1997 was designed using a photograph.

For more information, see: Designers of Pakistani Stamps.

Gum and paper

From 1968 until about 2003 paper manufactured at Pakistan Security Printing
Press, Karachi was used to print the stamps. The ink used was also manufactured
at the same place Near the end of the 2003, paper manufactured by Tullis Russell
Coaters, UK started being used, and it continued for the next year. At the beginning
of 2005, paper imported from Shanghai Kailum Paper (Group) Co Ltd, China was
used until mid- 2006 except for a couple of issues. Since then paper manufactured
at the Security Press, Karachi is used.

55 | P a g e
Gum and paper

From 1968 until about 2003 paper manufactured at Pakistan Security Printing
Press, Karachi was used to print the stamps. The ink used was also manufactured
at the same place Near the end of the 2003, paper manufactured by Tullis Russell
Coaters, UK started being used, and it continued for the next year. At the beginning
of 2005, paper imported from Shanghai Kailum Paper (Group) Co Ltd, China was
used until mid- 2006 except for a couple of issues. Since then paper manufactured
at the Security Press, Karachi is used.

Process

Pakistan Security Printing Press uses three processes in the production of stamps.
These are: recess, photogravure and lithography. Definitive stamps of high and
medium face values are printed using the recess method as are special stamps.

However, a time frame of 10 to 12 months has to be given for its production. Special
stamps which involve a large variety of colours are printed using the photogravure

method. Simpler designed stamps, both commemorative and definitive are printed
using lithography.

Watermarks

Watermarked paper was first used in the 1963 definitive issue for the Chota Sona
Masjid. The watermark consisted of a crescent and star. Since 1993, it has also
been occasionally used for commemorative issues. Besides normal watermarks,
reversed, inverted (SG996) and reversed inverted (SG476) watermarks are also
found on stamp Printing press

Due to the lack of a local press, Pakistan's initial stamps were printed by Thomas
De La Rue in London. In 1949, the Pakistan Security Printing Corporation was set
up in Malir Halt, Karachi. The first set printed entirely by this press was the 1954
Seventh Anniversary issue (SG). Since then until mid-2003, it printed most of the
stamps issued within the country. In 2003, from the Year of Mohtarma Fatima

56 | P a g e
Jinnah issue (SG), stamps were printed by Pakistan Post Office Foundation Press
(Security Division), Karachi. However, this changeover did not last long and in
2006 the printing was reverted to the earlier printer. Other foreign printers of
Pakistani stamps have been Cartor, Paris, France; Courvoisier, Switzerland;
Harrisons, London and Secura, Singapore. method. Simpler designed stamps,
both commemorative and definitive are printed using lithography.

57 | P a g e
58 | P a g e
Watermarks

Watermarked paper was first used in the 1963 definitive issue for the Chota Sona
Masjid. The watermark consisted of a crescent and star. Since 1993, it has also
been occasionally used for commemorative issues. Besides normal watermarks,
reversed, inverted (SG996) and reversed inverted (SG476) watermarks are also
found on stamp Printing press

Due to the lack of a local press, Pakistan's initial stamps were printed by Thomas
De La Rue in London. In 1949, the Pakistan Security Printing Corporation was set
up in Malir Halt, Karachi. The first set printed entirely by this press was the 1954
Seventh Anniversary issue (SG). Since then until mid-2003, it printed most of the
stamps issued within the country. In 2003, from the Year of Mohtarma Fatima
Jinnah issue (SG), stamps were printed by Pakistan Post Office Foundation Press
(Security Division), Karachi. However, this changeover did not last long and in 2006
the printing was reverted to the earlier printer. Other foreign printers of Pakistani
stamps have been Cartor, Paris, France; Courvoisier, Switzerland; Harrisons,
London and Secura, Singapore.

8. POSTMARKS

First Day Cancellation

Though there was a postmark which marked the release of the Nasik Overprints
(1947), the first special (pictorial) postmark of Pakistan was the one issued on 9 July
1948. The design was simple with a star above a crescent within a circle and
Pakistan written in both Urdu and English. As time has gone by, these postmarks
have become more and more elaborate.

Slogan postmarks

The first slogan postmark commemorated the founding of the country. The wordings
were simple with "Pakistan Zindabad" in English and Urdu. Some of the examples of

59 | P a g e
this type are from up to five years after independence. The initial slogans reflect the
priories of the government with "Learn and Teach" in Urdu, the bilingual slogan with

"Patronise Pakistan Products" (English) and "Use Pakistani products" (Urdu), and
"Contribute to Quaid-e-Azam Memorial Fund." Later slogans depict a wide range of
subjects including fighting TB (1963), census (1961) national identity cards (1973)
and family planning (1980). Postmarks were issued in three languages: Bengali,
Urdu and English, though all postmarks were not released in all three languages.

Special postmarks

Though slightly on the decline, special postmarks are also used. Over the years,
these have commemorated events such as state visits by King Saud of Saudi
Arabia (1954)

and Elizabeth II (1961), stamp exhibitions (1968, 1998, 2003, 2008, 2009, 2010), the
holding of cricket matches (2004) and National Horse and Cattle shows (1964,

1965). Others include Mother and Child Care Campaign (1961), Scouting
(1953), SEATO Conference (1956), awarding of Hilal-e-Istiqlal to the cities of
Sargodha, Lahore and Sialkot (1965) and World Post Day (2009)

Meter marks

Provided to bulk mailers, meter marks have become more prominent in recent years,
most of which come with a slogan promoting the entity. Their usage is not restricted
to any particular type of entity and includes diplomatic missions, multinational
corporations, book publishers, media groups, clubs, banks, government
organizations and non-governmental organizations.

Postal stationery

Besides stamps and souvenir sheets, the Post Office also prints postal stationery.
These include pre-stamped envelopes, aerogrammes, postal cards, urgent mail
service envelopes and registered envelopes.

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61 | P a g e
Pre stamped envelope depicts Bab-e-Khyber (2010).

These types of envelopes are mostly used for domestic postage. Until 1978, a
simple design and size introduced by the British in the 1890s, was used. In 2001,
new larger, 4 colour litho offset envelopes were issued. These provided both, the
Post Office and commercial companies, an avenue for advertising. The first
envelope was issued on 1 August 2001 and featured the Quaid's Zia rat Residency
as the stamp impression. The reverse showed the Mazar-e-Quaid, Badshahi
Mosque and Shah Faisal Mosque.

Northern Areas. It also gave the tourism department's website and the slogan 'Visit
Pakistan.'

Later that year, 3 envelopes featuring Habib Bank AG Zurich were released with
an additional one in April 2002. On all, the stamp impression was the bank's logo
with an enlarged emblem on the left side. However, the writing above this emblem
was different on each enevelope including Pac has key lakh (a 100,000 from 50)

62 | P a g e
and 'A tradition of service' on one and small symbols to highlight the bank's
services on another.

A month later, another bank, this time Muslim Commercial Bank (MCB), had 5
envelopes printed with the Quaid's Zia rat residency as their stamp impression.
These envelopes also promoted the services of the bank including its rupee
travelers cheques and 24 hour banking via ATMs.

An error was noticed in the next envelope issued in June 2002. This envelope was
smaller in size (200mm × 92mm) and also featured 4 landmarks of the country, but
the name of the fort in Lahore was given as 'Red Fort. This error was corrected
quickly and new envelopes with the correct text were released in July. This reduction
in size was not to last, for in October 2002, it was enlarged to 222mm × 96mm with
the released of an envelope showing the national flag on top of buildings. A rarity
exists in this envelope with the flags closed as opposed to unfurled later on.

Besides, the two banks in 2001, two oil companies: Pakistan State Oil (PSO) and
Pak Arab Refinery Company (PARCO), have also had envelopes released with their
advertisements. The housing scheme, Bahria Town, has also advertised on these
envelopes in 2005. Since then, other designs include Sir Syed Ahmed Khan,
Mohtarma Fatima Jinnah year (2003), 50th anniversary of the first ascent of K-2
(2004) and reconstruction of earthquake ravaged areas (2005). Normally, these
envelopes are provided at the cost of postage, however, some such as the Golden
Jubilee of Pakistan Resolution envelope (1990) carry additional stationery charges of
25 paisas.

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Post Office Service Envelopes

In recent years’ special envelopes have been printed for some of the Post Office's
various services. These include a Rs. 12 light blue envelope for Urgent Mail
Service famous landmarks. Both envelopes carry a stationery charge of Rs.1.

Aerogrammes/Air Letters

Pakistan had issued 5 different types of aerogrammes and air letters. These are for:
public use, official use, armed forces/army use, prisoners of war and formulae
aerogrammes. The first Pakistani air letter was a Nasik "Pakistan" overprint of a 6
Anna British India, King George VI 1946 issue. Since then, these have been issued
in various shapes and keeping up with increasing postal rates. The languages used
on them are Arabic, Urdu and English. The late 1960s saw the introduction of
pictorial aerogrammes. The front sides of these were printed with a view of Mohenjo-
Daro (Rs. 2) and a gate of Lahore Fort (Rs. 0.50).

The 1971 war saw the release of two special aerogrammes. The first one released for
general use depicted a hand behind a barbwire to symbolize the POWs being held in
India. The second one was released with reduced rates to be used for sending

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mail to the POWs. In 1982, two special aerogrammes were released. They were
overprints in gold on the Rs. 2 ones, and issued to commemorate the International
Stamp Exhibition, Philexfrance and Intentional Stamp Fair, Riccione, Italy. In
1990, to commemorate the golden jubilee of the Pakistan Resolution passed in
Lahore (1940), the Post Office used a special aerogramme depicting Quaid-e-
Azam, Mohammad Ali Jinnah.

Three aerogrammes were released to be used for the armed forces. Two were
identical except for the watermark. The same message "for use by the armed
forces" in Urdu was slightly larger in one and a yellow Rs. 25 Airex envelope.

Postal cards

A Pakistan postcard with a pre-printed stamp.

The first pictorial postal cards were released on 10 August 1967. Featuring 4 designs
showing Buddha, a small industry, a boat scene from East Pakistan (now
Bangladesh) and a dam in West Pakistan. These 30 paisa cards had a flying dove
silhouette. About 8 months later in May 1967, a second set of 4 cards was released.

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In 2001, the Post Office teamed up with the organizers of the SAF Games, which
were scheduled for that year in Islamabad, to produce Rs. 10 postcards. Besides
being valid for postage, these cards entitled the buyer to be entered into a lucky
draw. In 2009, the government reissued the current Re 1 Lahore Fort postcard with a
Re. 1 postal stationery charge.

Collecting Pakistani stamps

In Pakistan, stamp programs are not issued in advance. Earlier, collectors could
almost always count on stamps being issued on at least two dates: 23 March and 14
August. However, in recent years, the 23 March issues have become less frequent.
The number of stamps issue per year also varies. However, no matter how many
issues are released, their total cost rarely exceeds Rs. 300/- (approx. US$5).
Besides postage stamps and souvenir sheets, the post office also sells first day
covers, leaflets with and without stamps on it and postal stationery. Earlier, the post
office did not use any specific numbering system but this changed when they started
using a rather simple system on their leaflets: xxxx where xxxx is the year and y is
the issue number within that year. All major catalogues include Pakistani stamps in
them. Two local updated catalogues are available, each of which uses its own
system of numbering.

9. SERVICES OF POST OFFICE

Pakistan Post is not merely confined to a number of postal services. Its areas of
activities span on larger scale. The national character, strong brand recognition and
a wide network of post offices bestows a unique position to the Pakistan Post in
playing a vital role in the economic and social development of Pakistan. It serves as
the principal agency for the government in implementing key policies. Pakistan Post
is providing a variety of services on behalf of many federal and provincial
government departments. In December 2018, Federal Minister for Communication
and Postal Services Murad Saeed launched the Pakistan Post Mobile Application.

Postal services

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The following are postal services offered within the country.

• Sletter Mail (ordinary and registered)

• Parcel Post (Inland and International)

Special Services

The following are special services with their date of commencement given
in brackets. Not all services are provided in every post office.

• Air Express (Airex) (2 August 1986)

• Fax Mail Service (FM) (1 August 1988)

• Fax Money Order (FMO) (15 August 1988)

• International Speed Post (ISP) (1 September 1986)

• Local Express Delivery (LES) (22 April 1987)

• Postal Draft Service (15 November 1987)

• Postal Giro Service (15 March 1988)

• Saving Bank Mobile Account (12 January 1988)

• Urgent Mail Service (UMS) (1 January 1987)

• Urgent Money Order Service (UMO)15 April 1988

• EMO (Electronic Money Order Service).

• Pakistan Post starts collecting utility bills from home (June 2007)

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Federal services

• Payment to Benazir Income Support Programmed Beneficiaries

• Collection of taxes: income and withholding (on NSS profit payment)

• Collection of Customs Duty and Sales Tax (on foreign postal articles)

• Delivery of Computerized National Identity Cards (CNIC)

• Disbursement of welfare/financial assistance

• Food Support Programmed

• Payment to Pakistan Armed Forces Pensioners

• Sale of Highway and Motorway Safety books

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Express Post Services

Urgent Mail Service (UMS)

Urgent Mail Service (UMS) is a fast, reliable, efficient and secure overnight /2nd day
home delivery service with widest network for dispatch of documents and parcels.

Computerized track and trace system is available.

Contents

The UMS articles are items of first class letter mail. Currency notes, coins, platinum,
gold bullions, silver bullions, precious stones, precious metals fire arms, explosives,
flammable liquids, perishables and anything the intrinsic value of which exceeds
two thousand rupees shall not be sent by UMS.

Product Mix

• UMS (Local)

• UMS (City to City)

• UMS (Counter Collection)

Weight and Size

The maximum permissible weight limit of a UMS article is 30 kilograms.

The maximum size of UMS article may not exceed:

Length: 1.50 meters

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 Length & width combine: 2.00 meters

Urgent Mail Service - Counter Collection (UMS-CC)

After arrival of the UMS-CC article in the General Post Office (GPO) of destination,
the addressee will be telephonically intimated of arrival of the article and offered
facility to the take its delivery from the GPO/GPO (NPO) Counter. It is expected
that this contrivance will ensure 100% quality of service in the delivery domain of
UMS-CC.

Pick up and credit facility

The bulk customers having monthly billing of Rs. 7,000 or above can avail monthly
Pick up and Credit Facility. All bulk customers including commercial organizations,
institutions, and multinational companies can avail pick up and credit facility by filling

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up a registration form. The nearest G.P.O / Express Post Centre will provide all
necessary details and fully help in completion of all formalities for registration.

After registration, Express Post Pick Up Couriers will daily visit offices of registered
customers daily according to a pre-arranged schedule.

Emergency on Call Pick up Facility is also available for registered customers.

Billing on monthly basis for making payment within 7 days of receipt of bill.

Express Mail Service (EMS)

For prompt transmission and speedy delivery of postal articles Express Mail Service
(EMS) is offered from Major domestic locations for 104 countries of the world.

Documents, packets and parcels can be sent through EMS. The maximum weight of
EMS item is 30 kilograms.

SPECIAL FEATURES OF THE SERVICE

• A truly global Fast & Economical Solution for dispatch

of documents/merchandise

• Special treatment during customs clearance.

• Viable/speedy transshipment and prompt delivery

• Booking facility available even in the late hours

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 • Direct dispatches for most of the countries

• Government undertakes liability in case of loss

• Pick up facility for bulk registered customers

• Global track & trace facility

Maximum Weight of an EMS Item

An EMS item will be accepted for booking upto a maximum weight of 30 KG

Maximum Size

• Length 1.50 meters for any one dimension

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 • Length and girth combined 3 meters

Terms & Conditions

1. The complete mailing address should be accurate and neatly written/types

2. Telephone numbers of sender and address may also be indicated on the item
to be sent

3. Each item shall be packed and closed in a manner with proper weight, shape
and the nature of contents as well as the mode of transportation and duration
of conveyance

4. Each item shall be packed and closed so as not to pose any threat either to
the handing officials or damage other mail/postal equipment

5. ITEMS CONTAINING GOODS OR MERCHANDISE REQUIRING

CUSTOMS INSPECTION

6. All outbound EMS items are subject to Customs inspection and clearance and
should satisfy local Export Regulation’s and destination countries Imports’
Regulations.

7. Each item containing goods or merchandise shall be accompanied by

properly completed Customs declaration

8. The contents of each such item shall be shown in detail on the customs
declaration conspicuously and discretely

EMS PLUS EXPORT PARCEL

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Pakistan Post has put into action a comprehensive plan to be a progressive,
modern and vibrant organization, marching with the pace of the time and taking
innovative measures to cater for the changing demands of its clientele.

In order to harness the opportunities that are emerging from the market and thus to
enhance the Quality of Service, Pakistan Post has launched a new product for export
sector companies (small & medium Enterprises) and fast, reliable and economical
transmission of documents for students. It is EMS Plus a new product that is time
sensitive and offers end to end tracking facility to the esteemed customers of
Pakistan Post.

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SALIENT FEATURES OF SERVICE

1. The service is available in major cities and links the country with 173 countries
worldwide

2. It is fast yet very economical even as compared to our own EMS not to
speak of the charges of private couriers

3. The booking points and cities are being increased continuously

4. You can send packets and parcels with Maximum weight of 30 Kg.

5. It is highly reliable and secure but in case of loss a compensation is

guaranteed up to USD 100

6. 72 hours’ delivery in major countri

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Fax Mail Service (FMS)

To meet the modern requirements of rapid communication over short and long
distances, Fax Mail Service was introduced in the country.

• Size

Documents for transmission through Fax Mail Service will be accepted up to

a maximum size of A-4 which is 210 millimeters by 297 millimeters.

• Tariff

Fax Mail Service booking tariff shall be charged in cash for each page of letter or
each page of document up to A-4 size without exception as detailed below:

For entire country

Rs. 35/-
Between Rawalpindi and Islamabad and vice versa
Rs. 20/-

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Urgent Mail Service (UMS) - Cash On Delivery

The “Cash on Delivery” service is one of the most promising services which are
provided by an electronic media as well as websites involved in online buying and
selling. Provision of such services is becoming more and more important, as we
know the concept of electronic media and online shopping is gaining popularity
with each passing day. Even though online shopping is gaining popularity but that
still doesn’t mean that Pakistan has completely accepted the online buying and
selling trend.

Therefore, in order to gain the confidence of the postal clientele and to capture the
market share, Cash on Delivery service is started by using well established and
large network of postal outlets of UMS under the name of “UMS COD”. UMS Cash
on Delivery (COD) Service has been launched at 226 locations linked with UMS
network.

The COD system is designed to meet requirement of persons/businesses who

wish to pay for articles sent to them at the time of receipt of the articles relating to
them and also meet the requirements of traders and others who wish to recover,
through the agency of the post office the value of articles supplied by them.

Packets, parcels and printed papers prepaid with postage of UMS fee may be
transmitted by the inland post as COD articles, provided that the amount
specified for remittance to the sender in the case of any such articles does not
exceed Rs. 100,000/-.

Contents

The UMS COD articles will be items of letter and parcel mail with no restriction on
contents except anything the transmission of which through Post is prohibited. All
UMS items will not be treated as registered articles and may, therefore, have
contents which are permissible to be sent by registered post, However, the UMS
COD articles will be given special treatment during the course of their transmission
by post from the time of booking till delivery

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Product Mix

• UMS COD (Local)

• UMS COD (City to City)

Weight and Size

The maximum permissible weight limit of a UMS COD is thirty (30) kilograms.

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Same Day Delivery in Twin Cities (Rawalpindi - Islamabad)

Pakistan Post has started new service for twin cities i.e. Rawalpindi and
Islamabad for delivery of Express Post articles on the day of booking.

Service Features

• Select Pakistan Post’s flexible Same Day Delivery service.

• Important and urgent items that need immediate delivery.

• Booking up to 20 kg and delivery up to 5 kg at doorstep.

• Delivery beyond 5 kg and up to 20 kg on counter.

• Ideal for delivery Service within twin cities (Islamabad-Rawalpindi).

• Preferred choice for Business to Business needs.

• Dedicated handling & support desk.

• Service will be available in selected areas of twin cities.

• The delivery information will be communicated through SMS.

Marketing Mix Strategy

Pakistan Post is adopting a modern marketing strategy by enforcing a uniform policy throughout
the country to satisfy their insurance policy holders and provide them good after sale services.
With wide network of over 12,000 Post Offices, PLI services are fully extended to both, the
urban and rural areas and Pakistan Post is running the PLI business on no profit no loss basis
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where maximum benefits are given to the Policy Holders at minimum cost.

This was stated by Fazli Sattar Khan, Additional Director General, Pakistan Post adding that in
the new working atmosphere, the Postal Executives should transform PLI into a more vibrant,
dynamic and profitable organisation. He said that since every post office serves as an outlet, thus
it gives Postal Life Insurance an enormous advantage over its business rival and help offer a wide
range of insurance policies to customers at the lowest premium while ensuring highest bonus on
their investment.

Additional Director General (Ops) added that smart marketing strategy will definitely encourage
the field force and develop trust among them. General Manager, Postal Life Insurance, Northern
Pakistan, Lahore gave a detailed review of business performance in his Circle. He said that the
target given to his Circle for the financial year 2012-13 was successfully achieved due to the hard
work of his dedicated team.-PR

Michael five forces model

Porter's Five Forces is a model that identifies and analyzes five competitive forces that shape
every industry and helps determine an industry's weaknesses and strengths. Five Forces analysis
is frequently used to identify an industry's structure to determine corporate strategy. Porter's
model can be applied to any segment of the economy to understand the level of competition
within the industry and enhance a company's long-term profitability. The Five Forces model is
named after Harvard Business School professor, Michael E. Porter.

Understanding Porter's Five Forces

Porter's Five Forces is a business analysis model that helps to explain why various industries are
able to sustain different levels of profitability. The model was published in Michael E. Porter's
book, "Competitive Strategy: Techniques for Analyzing Industries and Competitors" in
1980.1 The Five Forces model is widely used to analyze the industry structure of a company as
well as its corporate strategy. Porter identified five undeniable forces that play a part in shaping
every market and industry in the world, with some caveats. The five forces are frequently used
to measure competition intensity, attractiveness, and profitability of an industry or market.

Porter's five forces are:

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1. Competition in the industry

2. Potential of new entrants into the industry

3. Power of suppliers

4. Power of customers

5. Threat of substitute products

Competition in the Industry

The first of the five forces refers to the number of competitors and their ability to undercut a
company. The larger the number of competitors, along with the number of equivalent products
and services they offer, the lesser the power of a company. Suppliers and buyers seek out a
company's competition if they are able to offer a better deal or lower prices. Conversely, when
competitive rivalry is low, a company has greater power to charge higher prices and set the
terms of deals to achieve higher sales and profits.

Potential of New Entrants Into an Industry

A company's power is also affected by the force of new entrants into its market. The less time
and money it costs for a competitor to enter a company's market and be an effective competitor,
the more an established company's position could be significantly weakened. An industry with
strong barriers to entry is ideal for existing companies within that industry since the company
would be able to charge higher prices and negotiate better terms.

Power of Suppliers

The next factor in the five forces model addresses how easily suppliers can drive up the cost of
inputs. It is affected by the number of suppliers of key inputs of a good or service, how unique
these inputs are, and how much it would cost a company to switch to another supplier. The
fewer suppliers to an industry, the more a company would depend on a supplier. As a result, the
supplier has more power and can drive up input costs and push for other advantages in trade. On
the other hand, when there are many suppliers or low switching costs between rival suppliers, a
company can keep its input costs lower and enhance its profits.

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Power of Customers

The ability that customers have to drive prices lower or their level of power is one of the five
forces. It is affected by how many buyers or customers a company has, how significant each
customer is, and how much it would cost a company to find new customers or markets for its
output. A smaller and more powerful client base means that each customer has more power to
negotiate for lower prices and better deals. A company that has many, smaller, independent
customers will have an easier time charging higher prices to increase profitability.

The Five Forces model can help businesses boost profits, but they must continuously monitor
any changes in the five forces and adjust their business strategy.

Threat of Substitutes

The last of the five forces focuses on substitutes. Substitute goods or services that can be used in
place of a company's products or services pose a threat. Companies that produce goods or
services for which there are no close substitutes will have more power to increase prices and
lock in favorable terms. When close substitutes are available, customers will have the option to
forgo buying a company's product, and a company's power can be weakened.

3c Analysis

The 3C analysis business model was originally created by Kenichi Ohmae, a management
consultant.
It has been used as a strategic business model for many years and is often used in web marketing
today.
This method has you focusing your analysis on the 3C’s or strategic triangle: the customers, the
competitors and the corporation. By analyzing these three elements, you will be able to find the
key success factor (KSF) and create a viable marketing strategy. Many variations have been

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derived from this method because of its simplicity.

You can start with any of the 3 “C”s, but it is recommended that you analyze the customers
first, then the competitors, and finally the company you are working for.
If you analyze the corporation first, you will tend to use the company data as the standard
for analyzing the competitors and customers. Understanding the customer’s viewpoint is
important in marketing. Therefore, first know the customer, then the competition in your
market, and finally the company.
The First C – Customer Analysis

Doing in-depth consumer research is the best way for you to figure out how to appeal to
your target market. Being able to create catchy catchphrases and creative ads is going to be
your bread and butter.
Demographic data plays a huge part in this analysis. Figuring out your business’s target market
and their desires will drastically improve the success rate of your marketing strategies after they
are put into circulation.
Data such as disposable incomes, likes, dislikes, where they get information, if they make
impulse buys or not, and even how they respond to the client service or product already available
is invaluable.

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Use answers from in-depth interviews, questionnaires and user tests to gain insight into the
consumer mind. Use that insight to create concept diagrams, communication designs and
personas that will boost your company’s popularity and hopefully help you spread your product
or service into the world.

If they know and trust the corporation you’re promoting, their response will be much more
noticeable.
There are several tools on the Internet you can use to analyze customer responses. You can see
answers posted on popular FAQ sites like ask.com or answers.com to find clues about customer
concerns and questions the customers have. But you must be careful because there are also
decoys from the provider. Enter the service name or product name, or its category name, plus
words like “concern” or “question” as the search phrase to find postings that can be clues. For
example, if the company handles snowboards, you can search for questions and concerns about
the company’s brand or snowboarding itself.

If it is difficult to conduct a survey in the real world, you can do it on the Internet using a
questionnaire service provider. You can also use a cloud sourcing service for charged
questionnaires, although the user segments may become biased. SNS can be a valuable
information source as well.

The Second C – Competitor Analysis

You can use the aforementioned websites and search engine results to discover rival brands
and companies in addition to the list of data your employer offers. Comparison websites are
popular in every industry and make investigating their products and services quite
straightforward.
It’s important to note that, a hamburger shop for example, is going to have competitors in not
only the fast food industry but in the restaurant industry and supermarket industry as well. You’ll
have to narrow down your results so that you can put more emphasis on how to compete with the
top three to five rival businesses.

After determining the main competitors, analyze them. How much effort do they put into their
website? What catchphrase do they mainly use? What do they provide? What tools (e.g.,
newsletters and SNS) do they use to invite users to their website? What is their overall marketing

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logic? Ideally, you’ll want to investigate the competitors from as many angles as possible so that
their marketing activities can be completely understood.

Competitor analysis is mainly done by visiting their websites, subscribing to their newsletters,
visiting their stores and/or receiving the service (heuristic analysis) they offer. In addition, you
can perform a user test to compare your client company with their competitor. It’s best to use an
SEO tool to find out how the competitor is talked about on the web as well as to obtain the SEO-
related information. For large-scale websites, you can use a competitor website analysis tool such
as SimilarWeb to obtain useful information.

Analyzing competing businesses in this manner will allow you an inside look into what their
customer’s experience. This knowledge is invaluable. You’ll be exposed to the good and bad
decisions the rival marketing department made and you’ll be able to utilize that knowledge in
pursuit of success and profit.

The Third C – Corporation Analysis

The last step you’ll want to take with this method requires you to analyze your own client’s
corporation. You’ll want to know what marketing strategies have worked for them in the past
and what ideas have failed. The best way for you to do this is, again, from the customer’s
viewpoint.
From the results of the customer and competitor analyses you have done so far, enumerate the
company’s “strong points” and “resources” which produce them. If you are having trouble
finding them, ask real customers for their opinions. By asking why they prefer you client’s
product, you can get points to compare with the competitors and how customers are responding
to current marketing activities.

If you can check web analytics data with a tool like Google Analytics, it will also help you.
Contents you think attractive tend to have high values for the average session duration and PV.

Based on such data, find out which pages of the company’s website the users are interested in and
which pages they are not. This can be a clue about products and services matching the needs of
the existing users.

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13. CONCLUSIONS AND RECCOMENDATIONS:

CONCLUSION:

During my entire training program, beginning from the internship till writing this
report, I have realized that the Pakistan Post Office is a deliberate structured
organization and it is serving its customers all over Pakistan. It is offering many
services and products at easy mark-up rates to the valued customers. The
customers are valued and are served at the priority. The employees of the Pakistan
Post Office are very much cooperative and work whole heartedly thus working hard
for the success of the Pakistan Post Office. Selections are made based on merit but
references and approaches are very much popular in Pakistan Post office.

RECOMMENDATION:

Proper Planning

The first step to accomplishing a task is planning. Now, planning encapsulates

various factors. It involves postal service, bill collection, western union, delivery of
products to the exact location.

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 Adopt Automation

In the age of automation, technology plays a major role in increasing the efficiency
of an organization. Automation has a vital role in the business process optimization.
There is valuable software that can be deployed in the Pakistan Post office.

For example: Mpps (military pension payment system), Mobile App etc.

14. WORK DONE BY ME:

SAVING DEPARTMENT:

I have entered data of account holders into computer from DSC and SSC ledgers.
This data includes their account number, ID card number and card expiry date.
Ledger number and page number is mentioned on their passbook. On Passbook,
when cash was deposited and its withdrawal is mentioned with date. In case of
death of account holder, amount is transferred to its family. Documents required
are application, CNIC (date of expiry), Death Certificate and succession required if
account is not joint. If account is joint the hold ship is automatically transferred to its
partner after passing from certain process.

ACCOUNTS DEPARTMENT:

• I learned about Bills and Acquaintance Roll. Salary of employees

is mentioned in these bills. Bills have following categories:

• Bill-1 GPO employees

• Bill-2 Town Sub offices

• Bill-3 PLI (Postal Life Insurance)

• Bill-4 Division (Clerks and Post Masters)

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 • Bill-5 Division (Male Peon and Postman)

• Gusted Bills include Salary of officers with BPS 16, 17(GPO & Division),
18(PLI)

• A detail of these bills include:

• Basic pay, Personal pay & Special pay. Basic pay has 30 stages and
Personal pay has 5 stages. Special pay is given according to department in
which you are working like account department has Rs.25 and saving
department has Rs.50.

• GC is given according to working behavior known as good conduct pay.

• House Rent Allowance is given to employees who are not living in

government’s quarters.

• Conveyance Allowance is given according with scales like clerks are given
Rs.1932.

• Washing allowance is given to male peons and postmen

• P-O-A (Postal operation Allowance) Rs.375 Fix for all.

• Medical Allowance is Rs.1500

• Cash Risk is 150 given to employees who deal directly with cash.

• C-M-A (Cycle maintenance allowance) Rs.150 is given to postmen for wear

and tear of their cycles.

• Adhoc Relief Allowance is 10% of Basic Pay (7-16, 7-17, 7-17, 7-18 and 7-19)

• Special Conveyance is given to disable employees.

• Incharge Allowance is given to branches incharge.

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