PA Induction Ready Reckoner

The information contained in this book has been prepared solely for
the purpose of providing information about Department of Posts.

The information in this book has been compiled in good faith by
Postal Training Centre,Mysurubut no representation is made or
warranty given(either express or implied) as to the completenessor
accuracy of the information it contains. You are therefore requested
to verify this information before you act upon it by referring to the
relevant rulings. All rights of this book are reserved with the Director,
Postal Training Centre, Mysuru - 570010.
FOREWORD TO THE THIRTEENTH EDITION
This is the twelfth edition of Ready Reckoner. PTC Mysuruis continuously striving to
support the field units by bringing out various publications relevant to day to day operations in
Post Office.
Since last edition of Ready Reckoner, changes in rulings are brought out in Savings Bank,
PLI and in some other areas of operations of Post Offices. We have taken care to include the
updated information in respect of all subjects covered in the book. I hope this publication will
serve as a reference material for all categories of staff in Post Offices across India.
01.05.2023
Director
Postal Training Centre
Mysuru 570010
Table of Contents
CHAPTER I - POSTAL NETWORK AT A GLANCE IN INDIA AS ON 31.03.2020 ................... 1
CHAPTER – II ......................................................................................................... 2
POSTAL COMMUNICATION – TRADITIONAL PRODUCTS ................................................ 2
1. Letter .............................................................................................................. 2
3. Post Card......................................................................................................... 4
4. Book Packet ..................................................................................................... 4
5. Book Packet containing printed books ................................................................. 5
6. Book Packet containing periodicals ...................................................................... 5
7. Registered Newspaper ....................................................................................... 6
8. Blind Literature Packet ...................................................................................... 6
9. Pattern and Sample Packet ................................................................................ 7
10. Parcel ............................................................................................................ 7
Franking System .................................................................................................. 8
Procedure for issue and renewal of license ............................................................... 9
CHAPTER III ......................................................................................................... 10
SERVICES ASSOCIATED WITH TRADITIONAL POSTAL COMMUNICATION ...................... 10
Value additions for traditional products ................................................................. 10
1. Registration: .................................................................................................. 10
2. Value Payable Service: .................................................................................... 10
3. Insurance ...................................................................................................... 11
4. Recall of Articles ............................................................................................. 12
5. Poste Restante ............................................................................................... 12
6. Post Box ........................................................................................................ 12
7. Identification cards ......................................................................................... 13
8. Business Reply Service .................................................................................... 13
9. Violations of condition of Posting and action to be taken: ..................................... 13
10. Articles Prohibited from Transmission by Post ................................................... 15
11. Traditional Post Matrix ................................................................................... 16
CHAPTER IV ......................................................................................................... 16
INTERNATIONAL MAILS ......................................................................................... 16
International Mail: .............................................................................................. 16
1. International Letters ....................................................................................... 16
2. International Speed post (EMS) ........................................................................ 22
3. International Air Parcel .................................................................................... 23
4. International Tracked Packet ........................................................................... 24
CHAPTER – IV ....................................................................................................... 29
POSTAL COMMUNICATION – PREMIUM SERVICES ..................................................... 29
1. Speed Post .................................................................................................... 29
2. Bill Mail Service .............................................................................................. 33
3. National Bill Mail Service.................................................................................. 33
4. e-Post ........................................................................................................... 33
5. Direct Post ..................................................................................................... 34
6. Business Parcel –Salient features: .................................................................... 35
7. Logistics Post ................................................................................................. 37
8. Business Post ................................................................................................. 37
9. Retail Post ..................................................................................................... 38
10. e-Payment ................................................................................................... 38
11. Media Post ................................................................................................... 38
CHAPTER – V ........................................................................................................ 40
MONEY TRANSFER SERVICES ................................................................................. 40
1. Domestic Money Transfer Services .................................................................... 40
2. International Money Transfer Services ............................................................... 42
CHAPTER – VI ....................................................................................................... 44
FINANCIAL SERVICES ............................................................................................ 44
1. Know Your Customer....................................................................................... 44
2. The Government Savings Promotion General Rules, 2018 .................................... 45
3. National Savings Scheme Rules ........................................................................ 51
1. The Post Office Savings Account Scheme, 2019 – Short Note. ........................... 51
2. The National Savings Recurring Deposit Scheme, 2019 – Short Note .................. 52
3. The National Savings Time Deposit Scheme, 2019 – Short Note. ....................... 56
4. The National Savings (Monthly Income Account) Scheme, 2019 – Short Note. ..... 58
5. The Senior Citizens’ Savings Scheme, 2019 – Short Note. ................................. 59
6. The Public Provident Fund Scheme, 2019 - Short Note...................................... 61
7. The Sukanya Samriddhi Account Scheme, 2019 – Short Note. ........................... 64
8. The National Savings Certificates (VIII Issue) Scheme, 2019 – Short Note. ......... 66
9. The Kisan Vikas Patra Scheme, 2019 – Short Note. .......................................... 67
4. Settlement of Claim ........................................................................................ 69
Payment of the Amount of National Small Savings Schemes Accounts/Certificates in
the Name of Deceased Depositor(s) ................................................................... 69
(l) Basis of Settlement of claims ........................................................................ 69
(2) Account/Certificate in respect of which nomination exists. ............................... 70
(3). Claims supported by legal evidence ............................................................. 72
(4) Claims without Nomination / production of legal evidence ................................ 73
(5) Production of death certificate ...................................................................... 75
(6) Guidelines for sanctioning authorities ............................................................ 76
(7) Payment to minor claimants ........................................................................ 77
(8) Claims of holders not heard for 7 years ......................................................... 77
(9) Settlement of claims where the claimants or near relatives are residing abroad .. 78
(10) Payment of claim ...................................................................................... 79
(11) Transfer of account to the name of claimant ................................................ 81
(12) Entry of request for settlement of claim in register and grant of acknowledgement
..................................................................................................................... 81
(13) Maintenance of Register of Deceased claim cases ......................................... 81
(14) Procedure to be followed by Branch Post Offices ........................................... 82
(15) Reconciliation certificate ............................................................................ 82
(16) Claim arising on depositor become insane or otherwise incapable of managing his
own affairs ..................................................................................................... 83
(17) Claims of holders not heard for 7 years ....................................................... 83
5. Protected Savings Scheme: - ........................................................................... 84
6. INTERNET BANKING........................................................................................ 85
7. Mobile banking ............................................................................................... 88
CHAPTER-V .......................................................................................................... 92
Other Financial Services ......................................................................................... 92
1. Electronic Clearance Service (ECS) ................................................................... 92
2. National Pension System ................................................................................. 92
3. Atal Pension Yojana ........................................................................................ 94
4. Pradhan mantri jeevan jyoti bima yojana ........................................................... 95
5. Pradhan mantri suraksha bima yojana ............................................................... 96
CHAPTER – VI ....................................................................................................... 98
Part I - Postal Life Insurance .................................................................................. 98
1 Introduction .................................................................................................... 98
2. Types of policies ............................................................................................. 98
1. Endowment Assurance (Santhosh) ................................................................. 99
2. Whole Life Assurance (Suraksha) ................................................................... 99
3. Convertible Whole Life Assurance (Suvidha) .................................................... 99
4. Anticipated Endowment Assurance (Sumangal) ...............................................100
5. Joint Life Insurance (Yugal Suraksha) ............................................................100
6. Children Policy: (Yugal Suraksha) .................................................................100
3. General terms and conditions ..........................................................................102
4. SETTLEMENT OF CLAIMS ................................................................................109
PART II - RURAL POST LIFE INSURANCE SCHEMES AND FEATURES ............................114
1. The Rural Postal Life Insurance.......................................................................114
2. Available Plans ..............................................................................................114
Whole Life Assurance (WLA).............................................................................114
Endowment Assurance (EA) .............................................................................114
Convertible whole Life Assurance (CWA) ............................................................114
Anticipated Endowment Assurance (AEA – 20 years/15 years terms) ....................114
10 year Rural PLI (Grama Priya) ......................................................................115
Children’s policy .............................................................................................115
3. Income Tax benefits.......................................................................................115
4. Proof of age ..................................................................................................115
5. Bonus ..........................................................................................................117
Incentive structure of PLI/RPLI............................................................................118
CHAPTER – VII.....................................................................................................120
Philately ..............................................................................................................120
ANNEXURE – I ............................................................ Error! Bookmark not defined.
Postal Rates............................................................. Error! Bookmark not defined.
Annexure II .........................................................................................................126
Supplementary Charges on Foreign Parcels...........................................................126
Annexure III ........................................................................................................127
Gist on Postal Manuals .......................................................................................127
Guidelines to customers transacting in various Postal products in inland mail and other
financial services and details the conditions subject to which posting can be made. 127
Post office Guide – Part IV .............................................................................127
Annexure IV_List of RMS Divisions/ L-1 RMS/ NSH / NPH in each CircleError! Bookmark
not defined.
Annexure V .........................................................................................................132
List of Postal Account Offices ..............................................................................132
Annexure VI ........................................................................................................133
Period of preservation of savings bank acounts/ certificates records in post offices ....133
Annexure VII .......................................................................................................135
Annexure VIII ......................................................................................................138
Annexure IX ........................................................................................................139
TD Interest Table ..............................................................................................139
Annexure X .........................................................................................................140
Postal Index Number .........................................................................................140
Annexure XI ........................................................................................................150
Circle Stores Depot and Postal Stores Depot in India..............................................150
CHAPTER I - POSTAL NETWORK AT A GLANCE IN INDIA AS ON 31.03.2022
POSTAL NETWORK AT A GLANCE IN INDIA AS ON 31.03.2022

(in number)
1 Postal Circles 23
2 Postal Regions 54
3 Postal Divisions 457
4 Circle Stamp Depots 1
5 Postal Store Depots 26
6 Railway Mail Service Divisions 69
7 Postal Training Centres 6
8 Post Office 1,59,251
9 Rural Post Office 1,43,985
10 Urban Post Office 15,266
11 Head Post Office 808
12 Sub Post Office 24,302
13 GraminDakSewak Post Office 1,34,141
14 Delivery Post Office 1,59,313
15 Night Post Office 113
16 Sorting Hub 92
17 Countries covered under International Speed Post 100
(Merchandise & documents - both)
18 Countries covered under International Speed Post 6
(documents only)
19 Average person served per Post Office* 8,627
20 Average rural person served per rural Post Office* 6,229
21 Average urban person served per urban Post Office* 31,242
22 Average Area served by a Post Office (in Sq. Km.) 20.64
*Estimated
1
CHAPTER – II
POSTAL COMMUNICATION – TRADITIONAL PRODUCTS
“The expression "postal article" includes a letter, postcard, newspaper, book, pattern or sample
packet, parcel and every article or thing transmissible by post.”
S. 2(i), The Indian Post Office Act, 1898.
The term postal article is used to describe, for the purposes of the inland, the following TEN classes of
articles viz.
1. Letters.
2. Letter Cards.
3. Post cards.
4. Book and Pattern Packets.
5. Book Packets containing printed books.
6. Book Packets containing periodicals.
7. Blind literature packet.
8. Registered Newspapers.
9. Sample Packets.
10. Parcels.
Of the above, letters, postcards and letter cards are treated as first class mails and all other articles
second class mails. Allfirst-class mails are given air transmission within the limits of India. Second
class mails are forwarded by Air only if they are paid with requisite air surcharge.
Air Surcharge: Upto 50g: Rs.2.00

Additional 50g or part Re.1.00
1. Letter
Used for communication and sending documents.

Available as embossed envelope (Departmental) and private.
Maximum weight :2kg.

Tariff:
For a weight not exceeding twenty grams Rs.5/-
For every additional twenty grams or fraction thereof Rs. 5/-
Dimensions of letter are as below:

Size prescribed Minimum Maximum
i) If the letter is in roll form
any single diameter 10 cm 80 cm
length + twice the diameter 17 cm 100 cm
ii) letters other than roll form

Any single dimension 149 cm 60 cm
2
With tolerance level of + or -2 mm
(Length Breadth)/Height 90 cm
Standardization of Mails: Standard Size of Envelope

Letter other than roll form shall be in envelopes of the following sizes, unless its dimensions are
more than 458x324 mm, namely:
1. 140 X 90 mm 7. 176 X 120 mm
2. 152 X 90 mm 8. 229 X 162 mm
3. 176 X 100 mm 9. 250 X 176 mm
4. 230 X 105 mm 10. 324 X 229 mm
5. 220 X 110 mm 11. 353 X 250 mm
6. 162 X 114 mm 12. 458 X 324 mm(Tolerance + or - 2 mm)
Envelopes should be made of paper having minimum thickness of 0.08mm and maximum 0.18
mm.
Metal clips or staples should not be used for closing the envelopes.
Addressee address should be written on front side and senders address on the back side.
Standards of addressing
• Address of the addressee shall be written on the front side and sender’s address on the back
side of the envelope
• Minimum 15 mm blank space shall be kept from left, bottom and right side of the envelope
• Stamps or frank impression on top right corner having gap of minimum 10mm from the address
of the recipient
• Address block of addressee shall have a minimum gap of 40 mm from top
• Stamps or frank impressions shall be affixed in maximum area of 74mm
2. Inland Letter Card
 Used for personal communication.

 Can be used within India.
 No enclosures allowed.
 Private ILC should bear superscription “Inland Letter Card”
 Departmental ILC will bear embossed Postage of Rs 2.50.
 Privately manufactured should adhere to above conditions and postage can be paid in the form
of postage stamps or frank impression.
Maximum weight : 5g
Tariff : Rs.2.50
Dimension Minimum Maximum

Unfolded 28.2  18.2cm 30 21cm
Folded 15.2 9cm 21 10 cm
Flaps Left and right hand side not exceeding 1.5 x 10cm
Top side not exceeding 1.521cm
3
3. Post Card
 For transmission within India and is economical.

 No secrecy of contents.
 Dimensions: 14 cm × 9 cm (length and breadth).
 Available departmentally manufactured with postage embossed.
 Private postcards also can be printed but should be paid with postage.
 Facility of Reply Postcard is available.
 Will be treated as Printed Postcard when the matter is printed or cyclostyled.
 Tariff:
o Single Postcard : Re.0.50
o Reply Postcard : Re.1.00
o Printed Postcard : Rs.6.00
o MeghadootPostcard : Re.0.25
 Privately manufactured post cards shall not be thinner or more flexible than an embossed post
card, and should have the same size and thickness of embossed post card.
4. Book Packet
The following contents can be sent in a book packet:

Bills and receipts
Printed market reports/price lists
Premium notices/quotations
Prasadam/Horoscopes
Wedding and other invitations etc.
Maximum weight: 5 Kilograms

Tariff:
First 50g, Rs. 4.00
Additional 50 g or part: Rs.3.00
Size prescribed Minimum Maximum

In roll form length 10 cm 80 cm
Total length + 2 diameters 17 cm 100 cm
Other than roll form 10 cm7 cm 60 cm 30cm30cm
Note: Book packet when sent in card form whether folded or not, shall be neither thinner nor
more flexible than Inland Post Cards. Should not be closed against inspection. Superscription is
optional.
Prohibitions:
a) There shall be no personal communication enclosed or written up on a book packet.

b) It shall not contain any paper money, postage or other stamps, cheques etc.
Exception: It may contain stamped self-addressed post card, letter or wrapper.
Exception: It may contain stamped self-addressed post card, letter or wrapper
4
5.Book Packet containing printed books
Specifications:
Printed books without advertisements can be sent as printed book.
Book packet shall contain the name of the printer or publisher;
It shall not contain any publication published in regular intervals. Advertisements are not
permitted.
Book Packet may contain in writing the name of the person to whom it is sent or presented,
the date, the name and address of the sender or owner, and not more than five words or
initials of a complimentary nature of signifying presentation.
Maximum weight: 5 kgs
Tariff: For every 100 gms Re 1-00
Size: As applicable in the case of book packet.
Conditions:
(a) Shall not contain any publication published at regular intervals;
(b) Shall bear on the outside the inscription “Printed books”;
each book in such book packet shall consist wholly or substantially of reading matter, painting,
photography, diagrams or any other similar matter, with or without blank spaces, for notations
by students;
(d)Shall consist of printed matter, but shall not contain any advertisements other than
incidental announcements or list of books.
(e) Shall contain the name of the printer or publisher;
(f) Shall bear any character or inscription reproduced by any means other than printing.
6.Book Packet containing periodicals
Specification:
Must be registered with Registrar of News Paper of India, New Delhi (RNI)
It should be superscripted either on the first page or last page of the Book Packet.
Price to be printed.
If the book packet is for free circulation concession under periodicals cannot be given.
Maximum weight: 5 kg
Tariff: Depends on weight and price of the periodicals.
Value of Periodical For first 100 g Additional 100 g or

part.
Up toRs 20-00 Rs 2-00 Rs 3-00
Above Rs 20-00 up to Rs 50-00 Rs 4-00 Rs 5-00
Above Rs 50-00 Rs 8-00 Rs 9-00
5
7.Registered Newspaper
Maximum weight: 5 kg
Can be sent as single copy or bundle. Bundle should be addressed to newspaper agent.
Tariff:
Single copy – Up to 50 g – Re.0.25
Above 50 g up to 100 g – Re.0.50
Additional 100 g – Re.0.20
Bundle: Up to 100 g – Re.0.50
Each additional 100 g – Re.0.20
Can be posted under scheme called WPP.
Newspaperwithout price: No concession of RNP.
Provided that such a packet shall not be delivered at any addressee‘s residence but
shall be given to a recognized agent at the post office.
To consider an article under the category of newspaper, the following conditions should be
fulfilled:
 A newspaper is a publication consisting wholly or in great part of political or other
news, with or without advertisement.
 It is published in large number at intervals of not more than 31 days.
 It should have a bonafide list of subscribers.
 It should be registered with Registrar of News Papers of India
 If such a newspaper is registered in the office of the Superintendent or Senior
Superintendent of Post Offices of the area from where newspaper is published, it will be
treated as ‘Registered News Paper’ for concessional rates of postage.
 DG Posts will prescribe the fee for registration from time to time.
 The registration number allotted to the paper should be printed on the top of the front
page of the newspaper preceded by the word ‘Registered’.
 This service is not available for foreign countries.
 Application for renewal should be submitted at least one month before the date of
expiry.
 Registration is valid for a period of three years.
 Renewal fee Rs.50.00 and to be renewed in the month of November. If renewed after
expiry of license period - Rs.100.00
8.Blind Literature Packet
Free transmission of blind literature packets up to 7 kilograms. Papers of any kind,

periodicals and books impressed in “Braille” or other special type for the use of blind
are allowed to be transmitted by post as Blind literature packets.
Maximum Weight: 7 kg
Tariff:Postage including registration charges is free.
For Air transmission, air surcharge is applicable.
6
Conditions:
It must be sent by or to a blind person. No written or printed communication should be
enclosed except:
i) The title and table of contents
ii) The key or instructions
iii) A label for return of the packet.
iv) Blind literature is also transmitted free of cost to foreign countries if the above
conditions are satisfied.
9.Pattern and Sample Packet
It may contain bona fide trade patterns or samples of merchandise not having any
saleable value together with or without any matter which may be sent as a book
packet.
No personal communication.
Should be open for inspection, if contents are not disclosed.
Maximum Weight: 2 kg
Tariff: First 50 g - Rs.4.00
Every additional 50 g – Rs.3.00
10. Parcel
Useful for transmission of goods.
To be presented at Counter.
Must be properly packed.
One personal communication is permitted.
If weight is more than 4 kg must be compulsorily registered.
Should not contain prohibited items.
Size Minimum Maximum
Length as per letter 100 cm

Length + Girth combined …do… 180 cm
(100 X30X10 cm)
Maximum weight for unregistered Parcel is 4 kg and registered parcel is 20 kg. For Parcel of
above5 kgshome delivery charges of Rs.5/ will be collected.
Tariff: First 500 g Rs.19.00

Every additional 500 g or part Rs.16.00
A parcel wrapped with cloth should invariably either be packed in a carton or be covered with
paper or plastic wrapper over the cloth wrapping so that the barcode sticker can be properly
affixed on the parcel for track and trace purpose. (F. No. 27-107/2013-PO dated 21.8.2014)
7
Volumetric Weight
 For calculation of postage, physical weight or volumetric whichever is more is

considered.
 Volumetric weight of the article shall be arrived at from the volume of that article using
the appropriate formulae and procedure given hereunder.
 Volume of a postal article shall be calculated in cubic centimeters as under.
 For a cuboid (e.g rectangular, square, etc.) dimensions means length, breadth
and height of the article.
 For cylindrical roll, dimensions are diameter of its circular base and length.
 Each dimension shall be measured in centimeters and rounded off to the next
higher whole centimeter.
 Articles of shapes other than cuboid and cylindrical roll should not be accepted and the
customers should be advised to place the said article in a package that is either cuboid
or cylindrical.
 Volume shall be calculated using the appropriate formula from amongst those given
below.
1) For cuboids: (e.g rectangular, square, etc.)
Volume = Length x Breath x Height
2) For Circular rolls:
Volume = 0.785 x (Diameter of Circular Base) 2 x Length
Or = 𝜋𝑟 2 h
 Volumetric Weight (in kg) = (Volume in cm )  6000
 This is applicable for all postal articles.
Franking System
 Currently only Remotely Managed Franking Machines are allowed to be used.

 Franking is a convenient method for payment of postage.
 Franks are taken on the articles to be posted with requisite value of postage.
 Each franking machine user has to get a license from the authorized postal authority.
 Retail customers can also send franked mail by availing this facility from the post offices
where departmental franking machines are provided.
 The remotely managed franking machines uses digitally controlled inkjet printing
technology and will print a clear, clean, dynamically bar-coded secure frank.
 The system involves remote resetting of machine reading by the vendors through their
RMFS server.
 All the payments/credits received from RMFS customers at the Post Offices should be
handled as e-payment transactions only in Point of Sale counter against biller name
DOP DIGIFRANK.
 The licensing authority is authorized to issue/renew/suspend/cancel license for the
franking Machine from time to time.
 The licensing authority shall be the Head of the Postal Division/RMS Division within
whose jurisdiction the machine is located.
 The licensing authority shall send communication to Department of Post Central
Resource wherever required. (DCR)
8
 Customer Reference Number (CRN) is a unique number and shall be issued by the
Licensing Authority to the Licensee of Franking Machine.
 Original Equipment Manufacturer are FrancotypePostalia, Neopost and for Pitney
Bowes.
Procedure for issue and renewal of license
I. The Franking Machine User shall buy a digifrankplus franking machine of any model
approved by Department of Posts from Franking Machine Vendor authorized by the
department.
II. After the purchase of the machine, the Franking Machine User shall deposit in any post
office the license fee as prescribed by DG (Posts) from time to time. The license fee
prescribed at present isRs. 375/- for five years.
III. Then the Franking Machine User shall apply for License for the use of franking machine
through the Franking Machine Vendor to the Licensing Authority. Duly filled in
application form (Annexure A) in the prescribed form for issue of a license along
withreceipt for payment of license fee should be submitted in original to the licensing
authority.
In case the Franking Machine User is a Commercial Licensee he shall be required
to submit a list of clients along with their consent letters on whose behalf he wants to
frank the mail.
IV. The Licensing Authority shall issue the license after verification of the particulars like
genuineness of applicant, procurement of the model of the machine approved by the
Department of Posts and payment of fee for License. No verification shall be necessary
in the cases of the applicant being a Central/State Government/quasiGovernment
organization, Local Government authorities, other Authorities within the territory of
India or under the control of Central/State Government like Public Undertakings,
Corporations, NationalisedBanks, and Co-operative Banks etc.
V. Renewal of the license has to be done one month before the expiry of license; Failure
to do so will incur additional charge of Rs. 100/-
VI. Customer has to pay a minimum of Rs. 2000/- as first credit. Machine needs to be reset
when the credit falls to Rs. 100/-
9
CHAPTER III
SERVICES ASSOCIATED WITH TRADITIONAL POSTAL COMMUNICATION
Value additions for traditional products:
1. Registration:
All traditional mail products except Post cards can be registered.

Registration will provide more security during transmission as it is accounted at each stage.
Facility to get the acknowledgement,duly signed by the addressee, is available
Deliverable only to the addressee under acquaintance.
Sender will get receipt and in case of loss compensation is paid.
Tariff : Rs.17.00
Concessional tariff (For VP printed book containing printed books of value less than
Rs.50.00) Rs. 2.50
Acknowledgement fee: Rs.3.00
Articles for which Registration is compulsory
1. Any parcel exceeding 4 kilograms of weight

2. Any parcel addressed to a place for which a customs declaration is required.
3. Any insured article
4. Any article containing valuables such as cheque, bills of exchange etc.
5. Any registered article which is re-posted after having been delivered.
6. Any value payable article.
7. Any parcel found in letter box
8. Any article super scribed with the word “registered”
2. Value Payable Service:
Registered Parcels, registered letters, registered book packets and newspapers prepaid with
postage of newspaper rates of postage and with registration fee may be transmitted by the
inland post as value payable postal articles.
Tariff: Maximum Value: Rs.5,000/-

(If the VP Value is more than Rs.1,500 insurance is compulsory.)
VP Fees:
Value up to Rs.20.00 :Rs.2.00
Above Rs.20 up to Rs.50.00 :Rs.3.00
Above Rs.50.00 :Rs. 5.00
10
 This is a product through which a sender collect the value of the consignment from the
addressee.
 The amount so collected from the addressee will be returned to the sender by Post
Office.
 An article which has no intrinsic value can also be sent as value payable article.
eg. Railway Receipt.
 Insurance is not compulsory for such articles even though the value exceeds Rs 1500/-
3. Insurance
Insurance covers all risks during the course of transmission by post. The following types of
articles can be insured:
Letters and Parcels.
Registration is compulsory for the articles to be insured.
Acknowledgement is mandatory and is provided free of cost.
The insurance of all value payable articles on which the amount specified for recovery exceeds
Rs. 1,500/ - other than excepted articles, shall be compulsorily insured for at least the amount
specified for recovery from the addressee.
Value-payable packets and Value-payable letters containing railway goods receipts, legal
documents, bonds, policies of insurance, promissory notes, bills of lading or ordinary bills for
collection, which have no intrinsic value need not be insured.
Limits
 Branch offices are allowed to book up to the value of: Rs.600/-.
 Other offices can book the articles up to the value of :Rs.1,00,000/-
 For article containing currency notes the limit is :Rs.20,000/
 Insured value should not exceed the real value of the article.
Insurance Fee
 In addition to the postage and the fee for registration the following furtherfees shall be
charged for insurance:
o When the value insured does not exceed Rs. 200/-, Rs. 10/-
o For every additional Rs. 100/- or fraction thereof in excess of Rs. 200/-, Rs. 6/-
o Acknowledgement is compulsory and free
The article to be enclosed in a strong cover sealed by means of identical seals, so that it cannot
be tampered without breaking the seals or in a water/tear resistant and tamper evident special
cover.
Insurance charge for all Contractual Customers of Speed Post and Business Parcel:
Insured Value Insurance Fees
Up to Rs 200 Rs 4
Above Rs 200 Rs 4 + 1.50 % of insured value exceeding Rs 200
11
4. Recall of Articles
During the course of transmission, a sender can request for the recall of postal article or to
deliver it to another addressee, provided the following conditions are met:
 It has not been delivered to the addressee.
 It has not been confiscated or destroyed by the competent authorities of the country in
which the article may be for the time being.
 It has not been seized by virtue of any law of the country of destination.
• Fee for recall of articles

– Rs. 6/- per article for inland
– In the shape of postage stamp
 India Post Citizens Portal provides facility to bulk recall of articles online. Users can register on
portal with their customer id and contract numbers. Users will be required login to the portal
for bulk recall. For details refer Parcel directorate order 9-09/21 –PD dated 11.04.2022.
5. Poste Restante
 It is intended to cater to postal communication needs of travelers.

 All articles super scribed as C/O POSTMASTER or in any other similar way are called
poste restante articles.
 A poste restante article has to be collected by the addressee from the Post Office.
 Article will be in deposit for a period not exceeding one month and then will be
returned to sender.
 A value payable Poste Restante article is retained only for seven days and then returned
if unclaimed.
6. Post Box
Customers can collect their mail at the post office through Post Boxes which are rented out by
the post office. Only fully prepaid unaccountable articles bearing the Post Box number, except
parcels, are delivered through post boxes. The customer has to pay prescribed rent and a
deposit. The customer will be supplied with a Delivery Ticket which should be produced by the
customer/his agent when demanded.
Post Bag
This facility is available in all delivery post offices. For availing this facility, a bag with a lock
and keys in duplicate are to be supplied by the customer. All fully prepaid unregistered articles
addressed to the customer will be placed inside the bag and locked. The bag will be handed
over to the customer during the business hours prescribed for window delivery.
FEES:
Period Post box Post bag Both post box
and post bag
Complete financial year Rs 150/- Rs 150/- Rs 250/-
Quarter of an year or part Rs 50/- Rs 50/- Rs 80/-
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One financial year : Rs 150/-
Three calendar months or part thereof : Rs 50/-
7.Identification cards
Head Post Office issues Identity cards for the benefit of travelers, tourists and other customers.
The card contains photograph of the holder, his signature and full description.
The validity period is three years from the date of issue.
Used for identification of the person.
Fees: Rs 9/-
8.Business Reply Service
A person who wishes to get reply from his client without making the client to pay for the
postage can use this facility on payment of prescribed fees. Such cards, envelopes can be posted
by the client without any postage. License for availing the service is provided by Head of the
Division.
Registration fee depends on the period in which the registration is done.
During the 1st quarter During the 2nd quarter During the 3rd quarter During the 4th quarter
1st April to 30th June 1st July to 30th Sept 1st Oct to 31st Dec 1st Jan to 31st March
Rs 200/- Rs 150/- Rs 100/- Rs 50/-
Renewal of registration – The permit can be renewed before the end of March on payment of
Rs 200 for four quarters.
Advance deposit – The applicant has to pay an advance deposit equal to postage and
handling charge for 15 days.
9. Violations of condition of Posting and action to be taken:
a. General
Unpaid/Insufficiently Paid Articles

a. Are not delivered through post box or post bag.
b. Can be delivered at window of the post office if the addressee calls at the post office for taking
delivery.
c. If there is any postage due on registered articles, they are not entered in the special delivery list
d. If addressee refuses to take delivery of the article, it is returned to the sender and the sender has
to pay the taxed amount.
e. In respect of all unpaid /insufficiently paid articles, double the postage/double the deficiency of
postage subject to minimum of Re 1/- will be collected.
b. Post Cards
a. Post card will be treated as letter and double the deficiency will be charged on delivery in the
following cases :
 Any private communication appears on the address portion of the postcard.
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 If the post card is cut/altered/folded
 Sub Rule 14 of IPO Rules 1933
b. Nothing may be attached to post card except :
 Stamps in payment of postage or other postal fees or stamp duty.
 A label pasted to the card, bearing the name and address of the sender.
 Engravings, illustrations, drawings and photographs on very thin paper and completely
adherent to the card.
Double the deficiency of postage will be collected in the following cases:

 Any stamps other than postage stamps are affixed.
 A post card once delivered, is reposted for redirection in a letter box at a different post
town.
c. Inland Letter Card
Inland letter card will be treated as a letter and double the deficiency will be collected in the
following cases:
 If a private inland letter card weighs more than Five grams.

 If there are any enclosures.
 The words “Inland Letter Card” is not printed on the outside at the top left hand corner on
the address side of every folded letter of private manufacture.
d. Letters
 A letter posted unpaid is charged on delivery with double the postage and a letter
posted insufficiently prepaid is charged on delivery with double the amount of the
deficiency.
 Any letter posted open or insecurely closed will be securely closed by the Post Office
before being forwarded to their destination.
 In case of infringement of conditions, the letter or article shall be treated as second class
mail.
e. Book Packet
 If the book packet is more than the size and weight prescribed, it shall be returned to
sender after cancelling the postage stamps if any.
 If any private communication is enclosed or the envelope is closed, the book packet will be
treated as letter or parcel whichever is less and charged double the deficiency between the
postage already paid.
f. Book Packet Containing Printed Books and Periodicals
a) If the book packet is more than the size and weight prescribed, it shall be returned to sender
after canceling the postage stamps if any.
b) If the book packet contains any private communication or envelope it will be treated as
letter or parcel whichever is less and charged double the deficiency between the postage
already paid.
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g. Pattern and Sample Packets
a) If the article is more than the size and weight prescribed, it shall be returned to sender after
canceling the postage stamps if any.
b) If found to contain anything not permitted in rules, it will be charged on delivery; with letter
or parcel postage whichever may be less and charged double the deficiency between the
postage already paid.
h. Registered Newspapers
The article will be treated as a Book Packet or Book Packet containing periodicals as per the
conditions.
i. Blind Literature Packets
The article will be treated as a letter or parcel, whichever will have less postage, and postage
will be charged accordingly (subject the conditions prescribed for such class of articles being
satisfied).
j. Parcel
a) Prepayment of postage is compulsory.

b) If more than one communication is enclosed in a parcel, each of those communications will be
treated as unpaid letter and double the amount of postage will be collected.
c) Unregistered parcels posted in letter boxes will be compulsorily registered.
d) If the parcel is refused by the addressee, the article will be delivered to the sender and
registration charge will be collected.
10. Articles Prohibited from Transmission by Post
I Anything injurious – a) explosive, dangerous, filthy, noxious or deleterious substance, b)

any sharp instrument not protected c) any living creature which is either noxious or likely to injure
postal articles or postal officer in course of transmission by post.
II. Tickets, proposals or advertisement etc relating to unauthorized lotteries (does not
include lottery organized or authorized by government)
III. Anything indecent.
IV. Battery and other articles whose transmission is prohibited by air, will be send to the
addressee through surface mode only.
15
11. Traditional Post Matrix
Articles Ordinary Registration Insurance V.P

Post card √ x X X
Inland Letter Card √ √ X X
Letter √ √ √ √
Book Packet √ √ X √
Book Packet containing √ √ X √
printed books and
periodicals
Pattern / sample packets √ √ X X
Registered News Paper √ √ X √
Blind Literature Packets √ √ X X
Parcels √ √ √ √
International mail √ √ √ X
CHAPTER IV
INTERNATIONAL MAILS
International Mail:
1. International Letters
2. EMS Speed post
3. International Parcels
4. International Tracked Packet
1. International Letters
India Post provides basic international postal services viz. Letters, Post Cards, Aerogramme, Small
Packets, Blind Literature, Printed Papers, M Bag (Special bags containing newspapers, periodicals, books
and similar printed documentation for the same addressee at same address)
Booking
International Letter Post articles can be booked in all the Departmental Post offices across the country.
Letter Post Network

These services are available for 213 destinations across the globe and cover all major destinations.
Registration
Registration facility is available for Letters, Small Packets and Printed Papers.
Registration charges . Per Article Rs 150/-
M Bag Rs 750/- per bag
Weight and Size Restrictions
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Letters, Printed papers and Small packets up to 2 kg
Items for the blind up to 7 kg
M Bags up to 30 kg
The limits of size of items other than postcards and aerogramme are given below: Maximum: length,
width and depth combined: 900 mm, but the greatest dimension may not exceed 600 mm, with a
tolerance of 2 mm; in roll form: length plus twice the diameter: 1,040 mm, but the greatest dimension
may not exceed 900 mm, with a tolerance of 2 mm.
 Minimum: to have a surface measuring not less than 90 x 140 mm, with a tolerance of 2 mm; in roll
form: length plus twice the diameter: 170 mm: but the greatest dimension may not be less than 100
mm.
Size Limits for- The limits of size of Post Card is given below:
 14 cm × 9 cm (length and breadth).
Compensation policy for Registered Letter Post
The compensation to be paid in respect of International Registered article booked in Post Offices in
India in case of loss / total theft / total damage are as under:
For loss / total theft / total damage of International value of the content or 30 SDR* whichever
Registered article is less plus the postage paid.
For loss / total theft / total damage of International 150 SDR*.

Registered M Bag
Postage will not be refunded.

* 1 SDR = INR 105.2438 (For 2022)
Method of Addressing:
(1) The address should include the following particulars and in that order:
a. Name of the addressee.

b. Number of the house and name if any.
c. Flat or apartment number, floor number and block number, if any.
d. Name of the street or road or the name of the place or locality.
e. Name of the Post Office of delivery.
f. Name of the province, State, Department, etc.
g. The delivery zone number or the postal code number or zip code , if any
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h. Name of the country.
The town and the country should be indicated in block capitals. All the particulars should be in
Roman Letters with Arabic numerals setting them out on the right-hand side lengthwise. It is
recommended that the town and the country be spelt according to the English names. If other letters
and figures are used in the country of destination, it is recommended that the address is given also in
these letters and figures.
In addition, the address must be written on the envelope on the plain side which is not provided
with the closing flap and in a rectangular area situated at least:
 40 mm from the top edge of the envelope (tolerance 2 mm):
 15 mm from the right hand edge:
 15 mm from the bottom edge:
 And not more than 140 mm from the right-hand edge:
(2) In the case of the articles sent at reduced rate the indication “Printed Paper”, “News Paper”, “Small
Packet”, “Literature for the Blind” as the case may, should be made on the top of the address side.
(3) It is recommended that the word “Letter” may be indicated on the address side of letters which by
reasons of their size or make up are likely to be mistaken for other (reduced rate) articles.
(4) On all items in envelopes, the sender’s address, when it appears on the front, must be placed in the
top left-hand corner; this position shall also be assigned to service indications or labels, if any, which
may be located beneath the sender’s address. The items shall be closed by completely stitching down
the sealing flap of the envelope. In the case of standardized items [see clause 25(c)], on the address
side on which the address shall be written in the direction of the length, a rectangular area 40 mm (-
2mm) in depth from the upper edge and 74 mm in width from the right-hand edge shall be reserved
for affixing the postage stamp or stamps and the cancellation impression. Inside this area the postage
stamps or franking impression shall be applied in the top right-hand corner. No wording or extraneous
matter whatsoever may appear:-
-- below the address,
-- to the left of the address, in or area of at least 15 mm wide and running from the first line of the
address to the bottom edge of the item,
-- in an area 15 mm high starting from bottom edge of the item and 140 mm long starting right-hand
edge of the item. This area may be partly identical with those defined above.
Note: The following items shall not be considered at standardized:
(i) Items which do not comply with the conditions stipulated in clauses 10(a)(vii), 11(d) and 25(c);
(ii) Folded cards;
(iii) Items closed by means of staples, metal eyelets or hook fastening;
(iv) Punched cards sent unenclosed (with an envelope);
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(v) Items whose envelops are made of material which has fundamentally different physical properties
from paper (except from the material used for making the panel of window envelops);
(v) Items whose envelops are made of material which has fundamentally different physical properties
from paper (except from the material used for making the panel of window envelops);
(vi) Items containing articles causing protrusions;
(vii) Folded letters sent unclosed (with an envelope) which are not closed on all sides and which are
not rigid enough for mechanical processing.
(5) It is recommended that the addresses of the addressee and the sender may be shown inside the
item and as far as possible on the contents or on a label made of a sturdy material attached to the
contents.
(6) In all cases in which the item is under wrapper, the addressees address should be written on it
except for article sent in accordance with the provisions of clause 9.
(7) Registered items addressed to Post Box Nos. In many countries Registered letters addressed to Post
Box Numbers are not delivered (as in the case of inland post in India). However, since such articles are
delivered in some countries, the Indian Post Office will not refuse to accept Registered article to a
foreign country addressed to a Post Box Number without other particulars. The acceptance of
registered letters addressed to Post Box Numbers in on the distinct understanding that the Indian Post
Office will not be responsible for the manner of their delivery in foreign country or for their non-
delivery and return. Senders are advised to make sure of the procedure adopted in the country of
destination before booking such articles.
(8) No article should have the whole or part of the address side marked off into several divisions
intended to provide for successive addresses.
Make up and Packing:

(a) Every parcel must be packed and closed in a manner with due regard to the weight and the nature
of the contents as well as mode of transport and the length of the journey; the packing and closing
must protect the contents so that these cannot be damaged by pressure or by repeated handling; that
must also be such that it is impossible to tamper with the contents without leaving an obvious trace of
violation.
(b) Every parcel must be made up securely if it has to be conveyed over long distances or it has to
undergo many transshipments or handlings. The parcel should also be protected against major changes
in climate, temperature or, in the case of conveyance by air, variations in atmospheric pressure.
(c) It must be packed in such a way as not to endanger the health of officials and to avoid any mishap
or injury to officials called upon to handle it or to soil or damage other parcels or postal equipment.
(d) It must have, on the packing or the wrapping, sufficient space for the entry of service instructions
and for affixing stamps and labels.
(e) The following are accepted without packing:
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(i) Articles which can be fitted together or put and kept together by a strong cord with lead or other
seals, so as to form one single parcel which cannot come apart.
(ii) Parcels in one piece, such as pieces of wood, metal, etc. which it is not the custom of the trade to
pack.
1. Special packing conditions:

Every parcel which contains one or other of the following substances must be made up as indicated
below:
(i) Precious metals: The packing must consist either of a stout metal box, a case made of wood of a
minimum thickness of 1 centimeter for parcels up to 10 Kgs and 1 ½ centimeters for parcels over 10 Kgs,
or two seamless bags forming a double wrapping; however, when cases made of plywood are used,
their thickness may be limited to 5 millimeters on the condition that the edges of the cases are
reinforced by metal angle strips;
(ii) Glass or other fragile objects: the packing must consist of a box of metal, wood, strong plastic
material or strong cardboard, filled with paper, wood shavings or any other appropriate protective
material to prevent any friction or knocking during transport either between the objects themselves or
between the objects and the sides of the box;
(iii) Liquids and substances which easily liquefy: they should be enclosed in perfectly leak-proof
containers. Each container should be placed in a special box of metal, wood, strong plastic material or
strong corrugated card board, containing enough saw dust, cotton, wood or any other appropriate
protective material to absorb the liquid should the container break. The lid of the box should be fixed
so that it cannot easily work loose; containing an appropriate protective material to absorb the liquid
should the container break. The lid of the box shall be fixed so that it cannot easily work loose;
(iv) Fatty substances which do not easily liquefy, such as ointments, soft soap, resins etc. and silkworm
eggs the conveyance of which presents fewer difficulties: Fatty substances which do not easily liquefy,
such as ointments, soft-soap, resins, etc., and silk-worm eggs, the conveyance of which presents few
difficulties, shall be enclosed in a first packing (box, bag of cloth, plastic, etc.) which is itself placed in a
box stout enough to prevent the contents from leaking;
(v) Dry colouring powders such as aniline blue, etc: these products shall be admitted only in perfectly
leak-proof metal boxes, placed in turn in boxes of wood, strong plastic material or strong corrugated
cardboard with sawdust or some other appropriate absorbent and protective material between the
two containers;
(vi) Dry non-colouring powders: these products shall be placed in containers of metal, wood, strong
plastic material or card board, these containers shall themselves by enclosed in a box made of one of
these materials;
(vii) Living animals: The wrapping of the parcel containing live animals as well as the dispatch note
shall be provided with a label bearing in bold letters the words “AnimauxVivants” (Live animals).
20
Customs form and declaration
Forms used:
 Form CN22 and Form CN23 are used.
 CN22: For articles of value below SDR 300.
 CN23: For articles of value SDR 300 or above.
The following rates for postage shall be chargeable on the gross weight of M bag of printed matter
when the postage is prepaid.
Sl Name of Service Item Name of the Rate (In Rupees)

No country
1 M bag (Formerly For a weight not exceeding For all the 600.00
referred BULK 5 kg countries
BAG)
Per kg exceeding 5 kg 100.00
Registration charges
Details Tariff
Letters, Air letters, Post cards, Packets Rs.150.00
M bag of printed matter Rs.750.00
The rates of postage and air mail fees specified in the Schedule below shall be chargeable on postal
articles posted in an Indian Post Office for transmission by air routes, to the countries and places
mentioned in the schedule and to which such mode of transmission is available.
Rate of postage
SERVICE Pakistan, Bangladesh, For all other countries

Nepal and Bhutan
Airmail Postcard 10.00 15.00
Aerogramme 20.00 20.00
Tariff of Air Surcharge
Sector Tariff for every 20 grams

Countries in Asia Rs.4.00
Countries in Europe Rs.5.00
Countries in Africa Rs.5.00
Countries in North America and Rs.8.00
Australia
Countries in South America Rs.10.00
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2.International Speed post (EMS)
International Speed Post (EMS), the premium and time bound international postal service for
documents and merchandise.
Booking
International Speed Post articles can be booked in almost all the Departmental Post offices across the
country. In metro and other major cities, International Speed Post articles can be booked till late in the
evening.
Internet based Track & Trace System

India Post provides online Track & Trace facility for International Speed Post.
Weight Restrictions
The general maximum weight for International Speed Post (EMS) is 35kg. Some countries have lower
weight restrictions. The size of a postal article for International speed Post service shall not exceed 1.5
meter for any one dimension and 3 meters for the sum of the length and the greatest circumference
measured in a direction other than the length. For the latest rate list country wise please refer India
Post web site.
Compensation Policy for International Express Mail Service (EMS):
 For loss or total damage or total theft of International EMS Merchandise – Value of contents or
130 SDR, whichever is less, plus the postage paid.
 For partial loss or partial damage or partial theft of International EMS Merchandise -
Compensation paid shall be limited to the value of lost or damaged content. In any case it shall
not exceed the corresponding amounts mentioned for EMS Merchandise in case of loss or total
damage. Postage paid will not be refunded.
 For loss or damage of International EMS Document - Postage paid.
 For Delay in delivery of EMS Articles - 5% of the Postage charges for the delay of more than 5
days (Excluding Holidays) from the published norms.
* 1 SDR = INR 105.2438 ( For the Year 2022)
International Speed Post - Delivery Standards

All International Speed Post (EMS) articles are subject to customs examination. Period for customs
examination/ detention is not included in the service standards. These are "End to End" delivery
standards.
International EMS articles - All International Mail articles are subject to customs examination. Period
for customs examination/ detention is not included in the service standards. These are "End to End"
delivery standards for outbound articles booked in cities with OEs, i.e. Delhi, Mumbai, Kolkata,
Chennai and Kochi. For articles booked at other locations, the timelines as per domestic speed post
service standards will be added.
22
Prohibited Articles
The following items are not accepted under International Speed Post:
 Anything which is sent in contravention of any enactment for the time being in force.
 Any indecent or obscene printing, painting, photograph, lithograph, engraving, book or card, or
any other indecent or obscene articles.
 Any letter, postcard, newspaper, packet or parcel having on it or on the cover thereof, any words,
marks or design of an indecent, obscene, seditious, scurrilous threatening, or grossly offensive
nature.
 Any explosive, inflammable, dangerous, filthy, noxious or deleterious substance.
 Any Living creatures or other thing which is either noxious or likely to injure postal article in course
of transmission by post or any officer.
 Tickets proposal or advertisement or any other matter relating to a lottery except to the lottery
organized or authorized by Government.
 Tariff
Internationaltariff structure of Speed Post. For updated tariff please referIndia Post web site or
Postinfo application.
EMS Tariff - Discount structure
Monthly International EMS Revenue Discount Rate Allowed EMS destinations
Rs 2,00,000/- to 10,00,000/- 5% All EMS destinations served by India

Post
Rs 10,00,001/- to 50,00,000/- 10% -Do-
Above Rs 50,00,000/- 15% -Do-
3.International Air Parcel

This service is a dedicated service for corporate and retail customers to provide economical and fast
merchandise services.
Booking
International Air Parcel can be booked in all the Departmental Post offices across the country.
Internet based Track & Trace System

India Post provides online Track & Trace facility for Air Parcel.
Weight and Size Restrictions
The general maximum limit of weight for Air Parcel is 20 kg.
23
The limits of size of Air Parcel are given below:
 Maximum: The length should not exceed 1.05 meter. The sum of the length and the greatest
circumference measured in a direction other than the length should not exceed 2 meters.
 Minimum: A parcel should have a surface measuring not less than 90mmX 140mm.
Compensation policy for International Air Parcel

The compensation to be paid in respect of International Parcels booked in Post Offices in India in case
of loss / total theft / total damage is as under:
For loss / total theft / total damage – Up to 40 SDR* per parcel plus 4.50 SDR per Kg or the value of
the contents whichever is less subject to an upper celling limit of 130SDR * plus postage paid.
*at prevailing rates
The following items are not accepted under International Air Parcel:
 Any indecent or obscene printing, painting, photograph, lithograph, engraving, book or card, or any
other indecent or obscene articles.
marks or design of an indecent, obscene, seditious, scurrilous threatening, or grossly offensive nature.
 Any Living creatures or other thing which is either noxious or likely to injure postal article in course of
transmission by post or any officer.
The minimum chargeable weight of EMS is 250 grams
4.International Tracked Packet
Sending consignments to Asia Pacific Region

International Tracked Packet is specially designed to cater tothe needs of e-commerce for cross border
transactions. However, individuals are also most welcome to use this service. It is the best economical
service with visibility to send shipments to Asia Pacific region.
Product features
 Packets up to 2 kg
 Fast & economical
 Track & Trace
 Convenient
 Best suited for e-Commerce
24
 Pick up facility*
 Volume discounts*
 Compensation for loss/damage*
*T&C Apply
International Tracked Packets can be booked at all post offices across the country.
Initially, the service will be available for the following countries/destinations:

 Australia Cambodia HongKong Indonesia
 Japan Malaysia New Zealand Philippines
 Singapore South Korea Thailand Vietnam
 USA
The following items are not accepted under International Tracked Packet:
 Any indecent or obscene printing, painting, photograph, lithograph, engraving, book or card, or any
other indecent or obscene articles.
marks or design of an indecent, obscene, seditious, scurrilous threatening, or grossly offensive nature.
 Any Living creatures or other thing which is either noxious or likely to injure postal article in course of
transmission by post or any officer.
Prohibitions arising out of international agreements and corresponding inland regulations:
 Prohibitions arising out of international agreements (including the U.P.U Agreements) are of three
types – (a) those arising out of the nature or category of the items (such as printed papers etc.), (b)
prohibitions of a general nature intended to ensure safety and to protect postal staff, equipment
and other postal articles, and (c) certain general prohibitions having broad social objectives. Some
of the prohibitions overlap those arising out of internal legislation enacted on similar
considerations as the international agreements. Prohibitions described in (a) above have been
included in the respective chapters but are repeated here for the sake of easy reference.
Prohibitions arising out of the nature of category of the article:
 a) Printed Papers: These should not contain any document in the nature of current and
personal correspondence or any enclosures or annotations not authorized (vide clauses 34 to
36).
 b) Small packets: These should not contain any document in nature of current and personal
correspondence, or any tape, wire, disc or similar recording media containing current and
personal messages. (Clause 44).
 c) Parcels: These should not contain documents (or recording media containing messages)
having the character of current and personal correspondence (except when addressed to certain
25
countries in which case one letter from the sender intended for the addressee of the parcel may
be enclosed). In all cases they should not contain documents of any nature if exchanged
between persons other than the addressee and the sender or those living with them. However,
an invoice, dispatch note or advice or a delivery bill is always allowed if it relates only to the
goods in the parcel and is placed in an unsealed envelope.
Prohibitions intended to ensure safety:

 a) It is prohibited to include in all types of foreign postal articles which by their nature or their
packing, may expose officials to danger or soil or damage other postal articles or which may
damage postal equipment. This includes sharp instruments not properly protected.
 b) It is prohibited to include in all types of foreign postal articles, explosives, inflammable,
dangerous, filthy, noxious, deleterious or radio-active substances. Perishable biological
substances are, however, permitted in letters under the conditions prescribed.
 c) It is prohibited to include in all types of foreign postal articles living creatures except the
following: Bees, leeches and silkworms. Parasites and destroyers of noxious insects intended for
insect control may be sent by Letter Post provided they are exchanged only between officially
recognized institutions and the senders comply with the regulations in the country of
destination or India as the case may be as to the importation or exportation of insects etc.
These may also be sent by Parcel Post or EMS if the country of destination permits it. It is
prohibited to transmit articles of value like coins, bank notes, currency notes, securities of any
kind payable to bearer, gold or silver and articles made partly or wholly thereof, precious
stones, jewels, etc. in uninsured articles (letters, parcels or EMS/International Speed Post. Where
insurance is not available to any particular destination these must be insured for inland transit.
Where they contain gold coins, bullion or bank notes or currency notes they should be insured
for the actual value of contents.
Prohibitions intended for certain special objectives:

 a) It is prohibited to include in all types of foreign postal articles, opium, morphine, cocaine
and other narcotics. This prohibition does not apply to consignments sent in insured boxes and
parcels for medicinal and scientific purposes if the country of destination admits them on this
condition. In India the following acts, among others, should be complied with:The Drugs and
Cosmetics Act, 1940, The Pharmacy Act, 1948, The Drugs and Magic Remedies (Objectionable
Advertisement) Act, 1954, The Narcotic Drugs and Psychotropic Substances Act, 1985, The
Medicinal and Toilet Preparations (Excise Duties) Act, 1956 etc which deal with the import and
export and use of such substances.
 b) Postal articles containing indecent or obscene recording, printing, painting, lithograph,
engraving or book or card and articles having thereon or on the cover thereof or contained
within, any words, marks or designs of an indecent, obscene, scurrilous, seditious, threatening
or grossly offensive character are prohibited.
26
General
 A number of enactments govern the import and export of articles from to foreign countries and
their transmission in India. The most important among them are in Indian Post Office Act, 1898
and the rules framed there under, the Customs Act, 1962 the Foreign Exchange Management
Act, 19990 and THE FOREIGN TRADE (DEVELOPMENT AND REGULATION) ACT, 1992 and
the rules framed under these acts. There are other enactments also intended to restrict or
control import or export of certain materials to protect human, animal and plant health. It will
be impossible to describe herein details of all the non-postal enactments which apply not only
to postal articles but generally for export or import through all media. The most salient points
alone are given here and senders of postal articles are required to satisfy themselves before
sending or receiving articles by post that these are admissible and that the various formalities
required under law have been observed.
Restrictions imposed by the Indian Post Office Act:

 Anything which is prohibited for transmission in the inland post in general is also prohibited
from being sent or received by foreign post. Most of these restrictions are also imposed by the
international agreements, and have been described in Sub-Section A. The others are listed
below:
 a) It is prohibited to send or receive any ticket, proposal or advertisement relating to a lottery
or any other matter descriptive of or otherwise relating to a lottery, which is circulated to act
as an inducement to persons to participate in that lottery (except where the lottery is organized
by the Government and this fact is indicated with full particulars on the cover along with
sender’s name and address).
 b) It is prohibited to send any newspaper printed and published in India without conforming to
the rules laid down in the Press and Registration of Books Act 1867(Act 25 of 1867).
 c) It is prohibited to send or receive any newspaper, book or document containing any
seditious matter, that is to say any matter the publication of which is punishable under the
Indian Penal Code.
 d) It is prohibited to send an article having on it or on the cover any matter which is prejudicial
to the maintenance of law and order or which is in furtherance of the aims of a political party
or organization or which tends directly to cause loss or injury to any community or class of
persons whatsoever.
 e) It is prohibited to send an article having on it or on the cover any pictorial representation of
a person who is a proclaimed offender, or who has been convicted of an offence punishable
under the Indian Penal Code or under any law in force in India.
 f) It is prohibited to send an article which has anything written, printed or otherwise impressed
upon or attached to the address side, which either on account of its being likely to be mistaken
for postage stamps or by inconvenient proximity to any such stamp or by tending to prevent
the easy and quick reading of the address or in other way is in itself or in the manner in which
27
it is written, printed, impressed or attached, is in the opinion of the Director-General, likely to
embarrass the officers of the Post office in dealing with the article.
 g) It is prohibited to send an article bearing any stamp that was at any time, but not currently,
in use for prepayment of postage or which has printed or otherwise impressed on the article or
attached to it or any part of it a facsimile, imitation, likeness, reproduction or representation of
such stamp.
Restrictions imposed by the Customs Act (1962)

 The Customs Act, 1962, empowers the Government to prohibit import of certain goods.
Notifications are issued by the Customs& Central Excise Department in this connection from
time to time. As these prohibitions apply to import through any channel they also apply to
import by post. In particular, it may be mentioned that books and other publications also come
under this control and orders are issued from time to time by the Customs authorities
prohibiting in a general way the import of publications containing certain type of material as
also prohibiting the import of individual publications. Addressees in India are advised to
ascertain the details of such restrictions from the Customs authorities.
Export of jewelry and precious stones

 In the case of jewelry and precious stones, similar procedures apply. However, the declaration
forms covering articles containing jewelry and precious stones are not counter signed by an
authorized dealer in Foreign Exchange or the Reserve Bank of India unless the articles are first
valued and sealed by the customs authorities. In case any difficulty is experienced by senders
living in places where there is no customs house, a certificate from an authorized dealer in
foreign exchange as to the value of the contents of the article will be accepted by the Post
Office in lieu of the customs valuation provisionally.
 The export of jewelry is further subject to the restrictions under Foreign Exchange Management
Act 1999 and should be confirmed by the exporter.
Breach of conditions
 General:
 The treatment of articles containing prohibited goods depends upon the provisions violated.
Among other things, the treatment may be return to the sender or confiscation or even legal
proceedings against the sender or addressee. The post office is absolved of all responsibility
when the article contains prohibited goods and consequently is seized and confiscated or
destroyed by the competent authorities.
Responsibility of the sender:

 The sender of a postal article containing prohibited goods becomes liable to the same extent as
the Postal Administrations for the damage caused by such an article to other postal articles sent
with it. The acceptance of the article for posting does not absolve the sender of this
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responsibility. Under Section 61 of the Indian Post Office Act a person can be proceeded against
for transmission by post of anything injurious.
CHAPTER – IV
POSTAL COMMUNICATION – PREMIUM SERVICES
1.Speed Post
Speed Post was started in August 1986 for providing time-bound and address specific delivery of
letters, documents and parcels. Speed post rates are based on distance as well as weight. However,
articles weighing less than 50 grams are charged @ Rs 35 under the “One India, One Rate”
excluding GST.On-line tracking is available for speed post articles.
For corporate customers Speed Post Provides free pickup, credit facilities (Book Now Pay Later),
account management and personalized services.
Tariff:
Weight Local Upto 200 201 to 1001 to Above

Kms. 1000 Kms. 2000 Kms. 2000 Kms.
Upto 50 grams INR 15 INR 35 INR 35 INR 35 INR 35
51 grams to 200 grams INR 25 INR 35 INR 40 INR 60 INR 70
201 grams to 500 grams INR 30 INR 50 INR 60 INR 80 INR 90
Additional 500 grams or INR 10 INR 15 INR 30 INR 40 INR 50

part thereof
The above tariff will be exclusive of taxes. The taxes will have to be paid extra as notified by the
Government from time to time.
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GST is calculated @ 18 % and the figure is rounded off to nearest rupee. For this purpose, where such
amount contains a part of a rupee consisting of paisa then, if such part is fifty paisa or more, it shall be
increased to one rupee and if such part is less than fifty paisa, it shall be ignored. In the case of articles
bookedin bulk, the rounding off is done on the total figure and not on individual articles.
Fee for Proof of Delivery (POD) ………………………. Rs 10/-+GST @ 18%
Speed Post offers moneyback guarantee, under which Speed post fee will be refunded if the
consignment is not delivered within the published delivery norms.All town delivery Post offices at a
speed post booking station will be treated as “local” for the purpose of speed post tariff except in case
of Delhi urban agglomeration for which the clarification is given as below:
Speed post articles booked in and destined for Delhi urban agglomeration which include Delhi NCT,
Ghaziabad municipal areas, NOIDA township, Gurgaon municipal areas and Faridabad municipal areas
ofNational Capital Region will be treated as ‘Local’ for determining Speed Post tariff.
Definition of “Local” for speedpost tariff for small town(kasaba)or mofussil area.
It has been decided that the speed post articles booked in small towns(kasbas)or mofussil areas having
no defined town delivery area would be treated as local if both the booking and delivery office PIN
code is same.
For regular users, Speed post provides delivery ‘anywhere in India’ under contractual service and a
Credit facility is provided called BNPL.
Speed Post Track and Trace Service: Speed post offers on-line track and trace service. Using the
thirteen-digit barcode that identifies the Speed Post consignment, customers can track Speed Post
consignments from booking to delivery. Log on to www.indiapost.gov.in for tracking the
consignments.In order to ensure seamless tracking facility all the units handling the speed post articles
should ensure that the prescribed barcode scanning is done before the article is consigned to the next
office of handling.
FREE SMS service is available when the article is delivered to the MOBILE NUMBER updated at
thetime of booking.
Cash on delivery for e-commerce companies/online sellers is also available.
Volumetric weight in respect of Speed Post Articles: In respect of Speed post articles, volumetric weight
of the article will be calculated in the following cases for the purpose of working out the postage due:
1. In case of a rectangular article, if the sum of the length, breadth and the height is more than 90 cm
and any of the dimensions is more than 60 cm
2. In case of an article in roll form, if the length or the diameter of the article is equal to or more than
90 cm.
Postage due of all speed post articles that fulfill the conditions mentioned in pre-para would be
worked out on the basis of their volumetric weight as per speed post tariff.
Speed Post Home Collection:
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With a view to provide convenience for the customers, Speed Post provide collection from the
premises of the customers through on-call collection and regular collection.
Book Now Pay Later Scheme (BNPL)
Bulk customer is eligible for credit facility provided on entering in to an agreement with the
Department. Bulk customer is defined as anyone who provides Rs.10,000 worth of speed post
business in a calendar month at a Speed Post booking office.
The bulk customer choosing to avail credit facility will apply to designated authority in the
prescribed format. The bulk customer will have to enter into an agreement with the designated
authority. On getting approval, the customer shall have to produce Bank Guarantee. The
contract will be applicable for a period of oneyear and approving authority shall review the
contract on annual basis.
The BNPL bill will be prepared on a monthly basis (calendar month) by the office of posting.
The bill will be raised by 7th day of the following month (bill date). The bulk customer shall pay
the bill amount in full on or before the last day of the month in which the bill is raised.
In case the customer fails to make the payment by the due date, penalty at the rate of 12 % per
annum on the amount of the bill amount shall be imposed by the Department upon defaulting
customer. (to be calculated on a daily basis). The penalty will be imposed from the bill date.
In case, the bulk customer chooses not to avail the credit facility and to make full payment at
the time of booking of Speed Post articles, he/she will be eligible for discount if the speed post
business provided by him in a calendar month is Rs. 50,000 and above.
Speed Post Discount Structure:
Volume discount:
1. The following discount structure will be available to contractual customers of speed

post/Business Parcel:
Monthly Revenue Discount rate (Credit facility)

Speed Post (Domestic) Business Parcel
Rs 50,001 to 5,00,000 10% 7%
Rs 5,00,001 to 25,00,000 15% 10%
Rs 25,00,001 to 100,00,000 20% 13%
Rs100,00,001 to 500,00,000 25% 16%
Above Rs 500,00,000 30% 20%
2. 1% additional discount will be offered to those contractual customers who either avail
Advance Deposit facility or make payment at the time of booking. In case monthly
revenue is more than 25 lakhs, additional discount for such customers will be 2%
3. The above-mentioned discount would be offered to the customers provided that the
booking data is made available to the booking office by the customer in electronic
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format as prescribed. In respect of booking data is received with a paper manifest only
(without soft copy), discount amount offered to the contractual customer would be
reduced by half.
4. The contractual speed post/Business Parcel customers who are mailing their articles from
multiple locations may be allowed consolidation of accounts under National Account
facility at all booking locations for calculation of discount and billing and payment at a
nodal office. However, consolidation of speed post and business parcel revenue of a
customer shall not be allowed in any case
5. There are walk in or one-time customers who book articles across the counter. In order
to attract such customers following discount will be offered to such customers while
booking across the counter. No need of any agreement or contract.
. Daily Revenue Discount rate for speed post

Rs 2000 to 10,00,000/- 5%
Above 1,00,001 10%
6. The bank Guarantee should be valid for a period of at least 27 months from the date of
the agreement, if the agreement period is 2 years. In case the guarantee period is 1 year,
validity would be for the period of 15 months.
7. The Bank guarantee should be issued by a Nationalized or Scheduled Bank.
Billing
1. The bill for the speed post/ business parcel shall be issued separately
2. The bill will be raised on a monthly basis (calendar month) by the office of booking.
3. The monthly bill will be raised by the office of booking by the seventh day of the following month
(Bill Date). The contractual customer shall pay the bill amount in full on or before last day of the
month in which the bill is raised. i.e due date
4. For customers providing monthly business of more than 50 lakhs, if opted, the bill may be raised
on fort nightly basis. However the applicable discount will be adjusted on monthly basis in the bill
raised on the second fort night of the month.
5. For fortnight billing, 1st bill will be raised on 22nd day of the current month which shall be paid on
or before 7nth day of the following month which shall be paid on before last day of the month in
which bill is raised. ie due date.
6. In case the customer fails to make payment by due date, penalty at the rate 12% per annum on the
amount of the bill shall be imposed by the department upon the defaulting customer (to be
calculated on daily basis). The penalty will be imposed from the bill date.
7. No booking of speed post/ business parcel consignments will be allowed from the defaulting
customer after one month from the due date of payment of the bill till all the pending bills with
penalty due are paid in full to Department.
8. In case of non – payment of bills even after 2 months from the bill date, action will be taken by
the designated authority for invoking the Bank Guarantee to recover the total outstanding amount.
This period can be extended for Central/State government organization by the concerned CPMG, if
deemed fit.
9. However, the department may accept the booking of business parcel or speed post consignments
from such defaulting customer on full payment of postage as a new customer in accordance with
the prevailing guidelines.
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2.Bill Mail Service
Communications in the nature of financial statements, bills, monthly account bills or any
such other items of similar nature may be posted by a service provider to customers at least
once in 90 days under this service. This service is available for circumscribed area like one city
or one district or twin city.
The Bill Mail Service does not include communication in the nature of letter mail or
having personal communication or exclusive commercial publicity material.
The minimum quantity of articles to be posted at a time is 5000. Rate of postage will
be Rs.3 for a weight of not more than 50 grams and Rs.2/- for additional 50 grams or a
fraction thereof. The mails will be received at identified locations. Bill mail shall be fully sorted
pin code wise and bundled delivery post office wise. There is no credit facility.
3. National Bill Mail Service
This is bill mail services for destinations other than local one.NBMS articles will be
accepted at Business Post Centers. Articles have to be submitted in Pin code wise bundles with
check slip. The minimum quantity to be posted at a time is 10000. The bill mail articles can be
sent anywhere in India in pin-code wise sorted bundles. The articles will be treated as first class
articles in transmission. The tariff on NBMS articles is Rs 5 up to 50 grams and Rs 2/for every
additional 50 grams.
Govt. organizations and public sector undertakings (PSUs) are permitted to pay the
postage on Bill Mail Service (BMS)/National Bill Mail Service (NBMS) in advance i.e. at the
time of posting of articles at identified post offices by Demand Drafts and Banker’s cheques.
This facility will not be applicable to Private companies/Firms.They have to make advance
payment in cheques and only after realization of cheques articles will be processed.
4.e-Post
Whether in a metropolis or in a village, one can send and receive e-messages through e-
post even without the sender or the addressee having access to a computer or internet. By
using e-post prepaid cards, e-mail can be sent to a Post Office for delivery through the
Postman. e-post prepaid cards can be used by logging on to www.indiapost.nic.in. Multiple
letters/communications, interview letters, notices can be sent using e-post service. Messages in
any language are accepted as they are scanned before transmission. The tariff for e-post is Rs 10
per page in A4 size. The tariff for the pre-paid users is Rs. 6 per page in A4 size.
The e-Post service is now extended with following features:
Many to one: - This facilitates sending ofsamee-Post message from many senders to one
recipient.
The following activities will be performed by the booking e-Post Centre
1. Entry of email id of recipient
2. Typing of message
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3. Scanning and attachment, if any
4. Entering the name, address and mobile number of each sender
5. The number of senders will be limited to maximum 10 senders for sending one message
The charge for this e-Post facility is as under:
- Rs.5/per page of A4 size for the 1st sender
- Rs.5/per attachment thereof (upto 1 MB)
- Rs.5/ for each subsequent sender
One to many: This facilitates sending of samee-Postmessage from a sender to multiple recipients
on recipients email inbox.
The following activities will be performed by the booking e-Post centre.
1. Entry of email id of all the recipients
2. Typing of message
3. Scanning and attachment, if any
4. Entering the name, address and mobile number of each sender
5. The number of recipients will be limited to maximum 20 recipients for sending one
message
The charge for this e-Post facility is as under:
- Rs.5/per page of A4 size for the first 10 recipients

- Rs.5/per attachment thereof (upto 1 MB)
Rs.5/ for each subsequent recipient from 11th to 20
5.Direct Post
Unaddressed postal articles like letters, cards, brochures, questionnaires, pamphlets,

samples, coupons, posters etc or any other form of printed communication that is not
prohibited under the Indian Post Office Act can be sent as direct post.
Minimum number of articles that can be accepted under direct post is 1000. Size of the
article should not exceed the length and width of A3 size paper. Direct Post articles will be
accepted at the counter of identified post offices. In case the sender desires the articles to be
printed or requires any other pre-mailing activity, including franking, inserting, gumming
pasting etc, this could also be provided on payment under the Business Post separately. The
price for the Direct Post articles is as follows:
Per article for first 20 grams Per article, for every additional 20 grams or
Local Inter-city part thereof Re.1
Rs. 1.50 Rs. 2.00
If the number of articles tendered at one time is 50000 or more, a discount of 5% will
be admissible to the customer.
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6. Business Parcel –Salient features:
Customized: Business Parcel is a contractual service, designed to suit requirement of business

customers for an economical and reliable distribution solution.
Economical & secure: Business Parcel provides an economical distribution solution to its
customers using surface transmission modes.
Weight: Minimum chargeable weight for which Business Parcel consignments will be booked
is 2 Kg. Maximum weight of Business Parcel consignments which shall be booked by a
contractual (business/ corporate) customer is 35 Kg.
Door to Door Service: All Business Parcel consignments shall be given door delivery
irrespective of its weight. Business/ Corporate customers are provided pick-up facility from
their premises.
Insurance: No compulsory coverage of insurance shall be necessary for Business Parcel

consignments irrespective of weight or value thereof.
Redirection & Return to sender: Redirection facility shall not be available to customers of the
Business Parcel; however consignments can be returned to sender in cases wherever same
could not be delivered. Consignments will be returned to the sender through the same
transmission channel through which it was received
Compensation: In case of the loss or damage of the Express Parcel or contents thereof, the
compensation payable shall be restricted to five hundred rupees or the actual value of the
parcel or the content lost, whichever is less
Network coverage: Business Parcel can be booked for delivery from any Post Office in the
country providing a nationwide coverage.
Postage payment: Following payment options are available:
a. Advance Deposit facility: Customer may avail advance deposit facility. In such a case,
amount will be credited in a particular account (an unique Customer ID allotted to customer)
which is debited as and when consignments are booked.
b. Credit facility: Customers may avail Credit facility for booking of Express Parcel
consignments fulfilling the conditions and criterion prescribed for same. Monthly bills will be
generated for the consignments booked in a particular month and customer is required to
make the payment in a prescribed time period.
c. Payment at the time of booking: Corporate customer who does not want to avail either
credit facility or advance Deposit
35
Account facility for booking of their Express Parcel consignments, can make the payment as
and when they give the consignments for booking. In such cases consignments shall be prepaid
either by affixing postage stamp or making the frank impression.
Volume discount: Customers of Business Parcel are offered attractive volume discount
subject to criterion prescribed.
Cash on Delivery: In order to meet the requirement of bulk customers for collection of
amount for costlier goods, Cash on Delivery facility is available which provides collection of
amount uptoRs. 50,000/- at the time of delivery of consignments.
Tariff of Business Parcel:
Weight Slab Upto2Kgs Every additional 1 Kg upto Every additional

Distance 5 Kgs.
1Kg above 5 Kgs.
Local Rs.45 Rs.12 Rs.14
Within State Rs.80 Rs.20 Rs.22
Neighbouring State Rs.100 Rs.25 Rs.28
Other State Rs.115 Rs.30 Rs.32
Between Metro and Rs.105 Rs.25 Rs.28
Sate Capital*
National capital Rs.70 Rs.15 Rs.18
Region-Delhi/
Ghaziabad/ Noida/
Greater Noida/
Faridabad
*provided it is not covered under within state or neighboring state.
The above tariff shall be exclusive of taxes and the taxes, if leviable, have to be paid extra as
notified by the Central Government from time to time.
Cash on Delivery: Cash on Delivery facility shall be available to Business Parcel and Speed
Post customers subject to the following conditions, namely:-
(a) Customer is a contractual customer and has agreement with the Department for
transmission Cash on Delivery articles;
(b) amount specified for recovery from addressee in the case of any such postal article shall
not exceed fifty thousand rupees (Rs. 50,000/-) and shall not include a fraction of rupee;
(c) such articles do not contain coupons, tickets, certificates or introductions designed for
the sale of goods on what is known as the “Snowball System”;
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(d) in addition to postage, insurance fee wherever leviable, the sender of the postal article
intended to be transmitted by post as Cash on Delivery article shall be required to pay the
following additional fee on delivery of such postal article:-
Amount to be recovered from addressee Schedule of fee

Upto Rs.6,500/- 1.6% of the COD value recovered
Above Rs.6,500/- Rs. 100/- + 1% of amount exceeding
Rs 6,500/-
The above fee shall be exclusive of taxes and the taxes, if leviable, have to be paid extra as
notified by the Central Government from time to time.
(e) insurance of Cash on Delivery articles shall not be compulsory irrespective of amount of
recovery from addressee;
(f) Amount, recovered from addressee on delivery of such article by post, shall be remitted
to the sender through e-Payment
7.Logistics Post
This service is available between two fixed stations/cities. Any material other than prohibited
items can be transmitted. Consignment should be packed and addressed to individual consignee.
Minimum chargeable weight is 50 kg. There is no upper weight limit. If the consigner gives more than
one article/piece addressed to one consigner, they are to be treated as one consignment and the
charges are worked out accordingly. Insurance facility is available which is optional. Ware housing
facility is offered as a Value added Service.
Minimum charge for a consignment is Rs 50 plus Docket charge of Rs 100. Charges include delivery
and pick up. Tariff is based on weight and volume i.e., volume 10 cubic feet or part thereof is equal to
50 kg. Every additional cubic feet or part thereof is treated as 5 kg. Octroi/Toll Tax, Storage,
demurrage charges are additional. Loading and unloadingisfreeupto 500 kgs.Above 500 kg Rs 1000/-
per ton separately.
8.Business Post
Business post offers total business solutions for the business users by providing pre mailing services.
It provides value addition to all traditional services offered by the Post in the form of collection,
inserting, addressing, sealing, franking etc. Annual reports are accepted on pre-payment of postage in
cash under special license.
Business Post Rates. (These charges are in addition to the postage) This is with effect from 1.4.2015
Sl. No Activity (per article) Business Post rates effective

from 01.04.2015 (in Rs.)
Unregistered Registered
1 Collection from premises 0.30 0.50
37
2 Franking 0.40 0.50
3 Addressing 0.50 0.50
4 Sealing 0.20 0.20
5 For inserting (per insertion) 0.20 0.20
6 For folding before insertion 0.10 0.20
7 For continuous stationery that requires cutting 0.05 0.05
8 For pasting pre-gummed computerized address label 0.05 0.05
9 Pasting computerized address labels that are not 0.10 0.10
pre-gummed
10 For insertions that are to be matched with address 0.15 0.15
on the envelope
11 Special handling for articles weighing upto 100 gms 0.30 0.70
12 Special handlingfor every additional 100 gms or part 0.20 0.20
9. Retail Post
Retail Services like sale of application forms on behalf of other Organisations, Universities,
Corporate and Business Organisations and Autonomous bodies on commission basis are offered
through the PO counter.Under Retail Post, sale or distribution of products through postal network can
also be taken up. Products will be sold through any specific location/region of customers’ choice.
10.e-Payment
It is a ‘Many to one’ service through which bills (telephone, electricity etc.) paid by customers in
Post Office are electronically consolidated. The main features of the service are asunder:
 Post Office collects bill payment across the counter from customers on behalf of Service
Providers like BSNL, Airtel, and RTOetc. (known as billers).
 Post Office issues a receipt to the customer and accounts for the transaction.
 The collection data is updated into a Central Server and is accessible to the biller through a web
interface.
 The accounts are consolidated electronically and amount paid to the Biller at one point
convenient to the Biller.
 Biller can also upload details of bills which facilitates the customer to pay bill amount at post
office even if bills are not received.
 Billers can download the collection details in formats required by them.
 The trainees can now pay the training fee for undergoing training in PTCs under e-Payment.
11. Media Post
Media Post provides opportunities to the corporate customers/Government organizations and

other private institutions to have their products/services advertised on Postcards, Inland Letter Cards,
Envelopes, Aerogramme, Post Office Savings Bank Pass Book, Postal Stationery, and Letter Boxes etc.
Advertisement in postal stationery isvery useful to the advertiser for reaching a wider target of
38
customers. Requisition for advertisements in postal stationery is to be sent to the Chief Postmaster
General of the area.
12, Magazine Post
Referrence Directorate order No. F.No.BD 12 12021 dated 17.02.2022
 Magazines posted under this will have end to end tracking facility.
 Magazines will be posted in ten identified locations in the country.
 Delhi, Ahmedabad, Mumbai, Bangalore, Chennai, Hyderabad, Kolkatha, Guwahathi,
Lucknow and Bhopal.
 SMS alert facility to the subscribers will be made available.
 Each magazine publisher will be provided separate barcode series which need to be
printed on the envelope of the magazine.
 Delivery will be address specific.
 BNPL and advance payment facility will be available

Rates at which magazines will be booked as under:
Up to 200 grams For every additional 100

grams or part there of
For magazines to be delivered outside the Rs 12/- Rs 3/-

municipal area of the posting locations.
For magazines to be delivered inside the Rs 8/- Rs 3/-
municipal area of the posting locations.
Insurance fee
For all Contractual Customers of Speed Post and Business Parcel:
Insured Value Insurance Fees
Up to Rs 200 Rs 4
Above Rs 200 Rs 4 + 1.50 % of insured value exceeding Rs 200
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CHAPTER – V
MONEY TRANSFER SERVICES
1. Domestic Money Transfer Services
a. Money Order (Traditional)

MO Commission Rate: For every Rs 20/- Re 1-00
Basic features of the service are:
1) Payment at addressee’s premises

2) Acknowledgement from payee-a valid legal proof for payment - at free of cost.
3) Free communication of message.
4) Payment to a person residing anywhere in India.
5) Service MOs are used by India Post for remitting money, wherever such method is prescribed
by the rules.
6) Family Allotment Money Order is issued in favour of dependents of Defence Services
Personnel.
b. e-MO
Electronic transmission of money order (e-MO) facilitates transmission of money remittances using
electronic media among connected post offices. e-MOis a system of transmission of money orders and
not a new service.
E-MO has following features;
 e-MOcan be booked by the post offices having connectivity through Wide Area Network
(WAN), Sify or broadband internet connectivity.
 Unique PNR number is generated for every MO booked, to facilitate tracking.
 e-MO can be paid at all offices including Branch Post Offices.
 Communication facility is available through standard codes and customized messages
 The system provides for tracking through India Post web site using PNR number.
 Customers whose phone number is captured at the time of booking will get intimation of
payment through SMS.
 The system will have features like:
 Remittance from one to one
 Remittance from one to many
 Remittance from many to one
 The system provides for registration of bulk remitters and bulk payees by the Postal Division
and booking of bulk MOs through soft copy.
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c. Indian Postal Orders:
Indian postal orders provide a convenient means of transmitting small sums of money by post.
Available in denominations of Re 1, Rs 2, Rs 5, Rs 7 Rs, 10, Rs 20, Rs 50, Rs 100. (Printing of IPOs of
denomination Re 1/-, Rs 2/-, Rs 5/-, and Rs 7/- are discontinued)
Denomination Commission in Rs
Up to Rs. 10 1
Rs. 20 2
Rs. 50 5
Rs. 100 10
- Currency period is 24 months

- If presented after 24 months but before 36 months, then second commission equal to first, has
to be paid in the shape of postage stamps affixed to the IPO.
- Maximum number of stamps allowed to be affixed for broken amount is 4 and maximum
value of such stamps is Rs.3)
- Stamps not allowed to be affixed on Rs. 100 denomination
d. Field Postal Orders:
Field Postal Orders are issued by the field post offices of the Army Postal Service. This provides a
convenient means of transmitting money by Armed Forces Personnel served by Army Post Offices at
reasonable cost. They are available in denominations of Rs 2000, Rs 3000 Rs 5000 Rs 15000 Rs
20000 and can been-cashed in any Field Post Office or Civilian Post Office.
Denomination Commission in Rs
Rs. 2000 30
Rs. 3000 30
Rs. 5000 50
Rs. 10,000 60
Rs. 15,000 80
Rs. 20,000 90
e. e-IPO
Department of Posts has launched e-IPO facility on 22.3.2013 for Indian Citizens living abroad for
purchasing Indian Postal Order electronically through e-Post office Portal for paying RTI fee online.
Now the e-IPO facility is extended to Indian Citizens living in India.
 Indian Postal Order can be purchased online termed as ‘electronic Indian Postal Order’.
 All the requirements for filing an RTI application as well as other provisions regarding
eligibility, time-limit, exemptions etc., as provided in the RTI ACT, 2005 will continue to apply.
 The applicant will have to register at e-Post Office portal of India Post i.e.
https://www.epostoffice.gov.in or through India Post website www.indiapost.gov.in to avail
this facility to pay RTI fee. Email ID, Mobile number, address, date of birth and gender etc. will
be captured at the time of registration.
41
 For the process of registration email id and mobile number are mandatory. The codes for
verification will be sent by the system on email id as well as to mobile number provided while
registering.
 The applicant has to select the Ministry/Department from whom he/she desires to seek
information under the RTI Act and the e-IPO so generated can be used to seek information
from the Ministry/Department only.
 A unique number for each transaction will be generated by the system which is to be used as e-
IPO number.
 A print out of the e-IPO is required to be attached with the RTI application. If RTI application
is being filed electronically, e-IPO is required to be attached.
2. International Money Transfer Services
a. International Financial System
To facilitate real time financial transactions across international boundaries, UPU has developed
International financial System (IFS) software.IFS server has been installed at NIC to operate the service
and IFS office of exchange has been established at CEPT, Mysore. At present, only inward foreign
money order service from UAE and France is available.
The service is now offered through all e-MO offices. Customers can get money paid either at their
residence or collect from the authorized post offices.Normal IFS MO, amount up to Rs 20000 will be
paid at payee’s address. Amounts more than Rs 20000 to 50000 will be paid in cash across the Post
Office counter, and those exceeding Rs 50000 will be paid by cheque.
IFS MO is of two types. Normal and Urgent.
Features of Normal IFS MO
• Paid by the destination PO based on the Pin code

• Procedure as prescribed for e-MO to be followed
• Payment is made on production of ID proof. Photocopy of ID proof is preserved
• Payment up to Rs. 20000/ effected at the doorstep of the payee through Postman.
• Above 20000/-, intimation sent through postman, payment at Post office only
Features of Urgent IFS MO
 Paid at all Post offices having e-MO services.

• Payee to visit any e-MO office and submit ID proof, IFS MO number, Name of remitter etc.,
• e-MO PA prints IFS MO by entering the details
• Procedure for window payment of e-MO to be followed
• The paid voucher preserved in the office of payment
Inward Limit
• Maximum -USD 2500 per remittance
• 30 remittances to single recipient for a year
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b. Western Union Money Transfer (WUMT)
India Post in collaboration with the Western Union Financial Services, USA, offersstate of the art
International Money Transfer Service through the post offices in India, which enables instantaneous
remittance of money from 185 countries to India. The recipients can collect the money in minutes after
the remittance by the sender.
The service is targeted to fulfill the needs of NRI dependent families in India, visiting international
tourists and foreign students studying in India.
The remitter can avail this service through any of the 100,000+ western Union Locations in
185countries. The remitter fills up a “To send money” form and pays principal amount and service
charges. The sender gets a Money Transfer Control Number on a receipt after completing the
transaction. The sender informs the payee about the transaction. The payee/receiver can visit any post
office offering Western Union service, fills up the “To receive money” form, and inform the MTCN,
provide a valid identification and receives the money along with the receipt. This entire process is
completed within ten minutes.
The Payee receives the full amount in Indian Rupees. Up to Rs 50000/- is paid by cash and above
Rs 50000/- is paid by cheque only. Not more than 2500 USD can be sent at a time as per applicable
RBI regulations which must however be only for personal use. An individual can receive a maximum
30 transactions in a calendar year.
The Post offices treat the payee as “Most Favoured Customers”, which ensures courteous and
efficient service to them. Those customers who are issued with the loyalty card need not produce any
other, document for identification, they can show the loyalty card issued to them.
For the sake of facilitating the transactions, the recipients can use any one of the following
documents to establish their identity:
Medium Risk Category: All international remittances under money transfer services like Western
Union, IFS, Money Order Videsh etc. remittance value up to Rs.10 lakh.
1. A copy of the officially valid document (OVD) along with a recent photograph of the recipient
must be obtained for every transaction and a signed “To Receive Money (TRM) / Automated
computer receipt (ACR)” must be maintained/ obtained
2. In addition to the OVD and recent photograph, a copy of the Permanent Account Number
(PAN) should also be collected from the recipient for every transaction, In the absence of PAN a
signed Form-60 should be submitted by the recipient.
3. The documents submitted by the recipient must be sighted and verified against the original
documents and the photo copies duly attested by the paying office supervisor as “Original Seen
and verified”
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CHAPTER – VI
FINANCIAL SERVICES
1. Know Your Customer
The prevention of Money Laundering Act (PMLA) came into force w.e.f 1st July 2005. The Act was
amended on 01.06.2009. Department of Posts was brought into the ambit of this Act with this
amendment wherein Section 2(1) (1) listed Department of Posts in the Government of India as a
“financial institution”. From 01/06/2009 onwards, KYC (Know Your Customer) policy is applicable to
Post Office Savings Bank/National Savings Scheme accounts. The objective of KYC/AML/CFT guidelines
is to prevent money laundering or terrorist financing activities by use of Post Office Savings Bank
intentionally or unintentionally by criminal elements. KYC procedures also enables the post office to
know/understand their customers better which in turn help them manage the risks prudently.
It has been decided by Min. of Finance that from 1.4.2016, interest rates of small savings schemes
will be reviewed and revised on quarterly basis. Min. of Finance (DEA) also notifies the
maturity/premature value of RD, NSC (VIII-issue) and KVP.
Interest rates on various Savings schemes from 01.04.2023 shall be as under:
Types of savings accounts Rate of interest Compounding

frequency
1 Post Office Savings Account 4.0 % Annually
2 National Savings Time deposit - I year 6.8 % Quarterly
3 National Savings Time deposit - 2 year 6.9 % Quarterly
6 National Savings Recurring Deposit Scheme 6.2%, Maturity value Quarterly
(5 year) Rs 7043.27
7 Senior Citizens Savings Scheme (5 year) 8.2 % Quarterly paid
8 National Savings (Monthly Income Account) 7.4 % Monthly paid
Scheme Account ( 5 Year)
9 National Savings Certificate (VIII Issue) 7.7 % Annually
(5 Year)
10 Public Provident Scheme 7.1% Annually
11 Kisan Vikas Patra Account 7.5%(Maturity Period Annually
115 months)
12 SukanyaSamriddhi Account Scheme 7.6 % Annually
13 Mahila Samman Savings Certificate 7.5 % Quarterly
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2. The Government Savings Promotion General Rules, 2018–
Short Note
a. The Definitions
i. Accounts Office - means an office of a Government Savings Bank authorized to open an
account.
ii. Eligible Balance - means the amount of balance at the credit of the account, including interest
accrued thereon, after effecting recoveries on account of outstanding principal and interest, if
any, in respect of a loan availed by the depositor.
iii. Joint Account - means an account opened in the names of more than one and up to four
individuals.
iv. Matured account - means an account, which has completed its term or extended term and has
become due for payment.
v. Non-resident Indian - means an individual being a citizen of India or a person of Indian origin
who is not a ‘resident’ as per the provisions of the Income Tax Act, 1961 (43 of 1961).
vi. Officially Valid Document - means the passport, the driving license, the Voter's Identity Card
issued by the Election Commission of India, job card issued by Mahatma Gandhi National Rural
Employment Guarantee Act duly signed by an officer of the State Government, letter issued by
the National Population Register containing details of name and address.
vii. Operation of an Account - means opening of, deposit in, transfer of or withdrawal from an
Account.
viii. Passbook - means a document, in physical or electronic form, issued by an Accounts Office
containing particulars of the depositor and details of transactions made in that account.
ix. Single Account - means an account opened in the name of one individual.
x. Transfer - means transfer of an account of a depositor from one Accounts Office to another
Accounts Office.
b. Eligibility to open an account

i. An adult who is a resident citizen of India.
ii. A Minor who has attained the age of ten years.
iii. A guardian on behalf of a minor or person of unsound mind.
c. Opening of an account
i. An Account may be opened by the depositor either by visiting the Accounts Office in person or
through permissible electronic modes including internet or mobile banking application.
ii. A blind or visually challenged or illiterate depositor may open joint account with literate
depositor.
d. List of Identity Documents
i. Aadhar Number issued by the Unique Identification Authority of India.
Provided that
(a). Where the Aadhar number has not been assigned to an individual he shall furnish the proof
of application for enrollment for Aadhar is submitted at the time of opening of the account and the
account holder shall furnish the Aadhar number within a period of six months from date of
opening of the account for linking the account with Aadhar Number.
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(b) If a depositor has already opened an account and has not submitted his Aadhar Number, he
shall do so within a period of six months with effect from 01.04.2023.
And in the event of failure of the depositor to submit the Aadhar number within the specified
period of six months, his account shall cease to be operational till the time he submits the Aadhar
Number.
ii. Permanent Account Number / Form 60.
Provided that the individual who has not submitted the PAN at the time of opening of the
account shall submit the same within a period of two months from the date of happening of
any of the following events. Whichever is the earliest.
a. The balance at any point of time in the account exceeds fifty thousand rupees
b. The aggregate of all credits in the account in any financial year exceeds one lakh rupees
c. The aggregate of all withdrawal and transfers in a month from the account exceeds ten
thousand rupees
iii. Any other document as may be considered necessary by the Accounts Office including those
related to the nature of business and financial status of the depositor.
NB: Mobile number is compulsory for creation of CIF and opening the account
Maximum five CIF can be attached with one CIF
e. List of Proof of Address Documents

i. Utility bill which is not more than two months old of any service provider (electricity,
telephone, post paid mobile phone, piped gas, water bill);
ii. Property or Municipal tax receipt;
iii. Pension or family pension payment orders issued to retired employees by Government
Departments or Public Sector Undertakings, if they contain the address;
iv. Letter of allotment of accommodation from employer issued by the State Government or
Central Government Departments, statutory or regulatory bodies, public sector undertakings,
scheduled commercial banks, financial institutions;
 In Joint Account, identity documents of all the depositors are needed.

 In accounts on behalf of minor or person of unsound mind, the identity documents of the
guardian are required.
 Account opened through, the agent shall affix signature and mention the particulars of his/her
agency on the identity documents.
 In case of change of address, the depositor shall submit the relevant identity document with
updated address within a period of three months.
f. Modes of Deposit
i. In cash in Indian rupees; or
ii. by means of a crossed Cheque, a Demand Draft or a Pay Order;or
iii. by submitting a signed withdrawal Form in respect of a savings account standing in the same
Accounts Office; or
iv. by electronic transfer permitted by the Reserve Bank of India in respect of similar transactions
in commercial banks.
46
 In case of deposit by means of a cheque, the date of realisation of the cheque shall be
the date of deposit.
g. Types of Accounts
i. Single Account
ii. Joint Account
1. Joint ‘A’to be operated by all the depositors or the surviving depositors jointly.
2. Joint ‘B’to be operated by any of the depositors or the surviving depositors severally.
iii. An account opened as a Single Account cannot be subsequently converted into a Joint Account
or vice versa.
iv. The Serial numbers of the depositors in a joint account cannot be changed subsequently.
h. Payment of Interest
 No interest shall be payable on an account opened or maintained, or on a deposit made, in
contravention of these rules.
 In an account which has matured but not closed, the eligible balance in the account shall
continue to earn interest at the rate applicable to the Post Office Savings Account till the closure
of the account.
 Any interest credited erroneously to an account shall be reversed immediately on the
detectionunder written intimation to the depositor.
i. Operation of an account opened in the name of a minor

 An Account opened in the name of a minor shall be operated by
i. the guardian, if opened by the guardian;
ii. the minor, if opened by the minor.
 In account opened on behalf of a minor, when the minor attains majority, the minor shall
submit a revised application on which his signature shall be attested by his guardian who
opened the account.
 On death of minor or person of unsound mind, the eligible balance shall be paid to the
nominee (or to guardian if nomination is unavailable.)
j. Operation of an account by depositors suffering from physical infirmity or by differently-abled

persons (including persons with autism, cerebral palsy and mental retardation)
 Any literate person of depositor’s choice can be authorized to operate on his behalf.
 Such authorization can be either withdrawn or varied at any time by the depositor.
Withdrawal from an account:
 At the time of payment of maturity proceeds or partial withdrawal or interest, the depositor
shall affix his signature or thumb impression in the presence of the authorized officer who shall
verify the identity of the person.
 Guardian to furnish the following certificate for withdrawal:
o “that the amount sought to be withdrawn is required for the use of Mr./ Ms. _________
who is minor or a person of unsound mind and is alive on this day.”
 Payment can be made through any of the following modes:
i. by transfer to the Savings Bank account of the payee,
ii. by a crossed cheque,
iii. by cash, if the amount is below the prescribed limit.
47
k. Transfer of an account
 Account may be transferred from one PO to another anywhere in India.
 Application may be submitted to either the PO where the account is maintained or to the PO
where it is to be transferred.
 Transfer can be done only by the Head Post office.
l. List of documents (in original) to be transferred to the transferee office

i. Account Opening Form,
ii. Specimen signatures of the depositors,
iii. Particulars of nomination,
iv. Identity documents,
v. Updated Account Statement or Ledger,
vi. Certified copy of Savings Certificate, in case of Savings Certificate,
vii. Pay Order or Demand Draft in respect of the balance at the credit of the Account.
m. Nomination
 Nomination is mandatory for all types of National Savings Scheme accounts.
 Maximum four individuals can be nominated.
 If nominee is a minor, the depositor shall appoint an individual to receive the payment on the
death of the depositor during the minority of the nominee.
 In case of an account opened by the minor or on behalf of a minor, or a person of unsound
mind nomination shall be made by the guardian who may nominate any individual, including
himself.
 Nomination can be varied by the depositor any time before the maturity of the account.
 Nomination stands cancelled on:
i. death of all the nominee,
ii. transfer of the account as security (pledging)
 If depositor is illiterate, attestation by two witnesses is required while making/altering
nomination.
 No witness is necessary for literate depositors.
n. Payment on the death of depositor

 If nomination in force:
o to the nominee(s) on production of proof of death of depositor(s) and other
nominee(s), if any.
o If any nominee dies, his specified share in the eligible balance shall be distributed among
the surviving nominees in the same proportion as their specified shares.
o If nominee is minor to the appointee or guardian, as the case may be.
 If no nomination in force:
o If probate of his will or letters of administration of his estate or a succession certificate is
not produced within six months from the death of the depositor then,
 if the eligible amount in the account does not exceed Rs.5lakhs, the authority
may pay the same to any person appearing to him as the rightful claimant and
to his satisfaction to be entitled to receive the amount, when submitted with
relevant documents.
 if amount is above Rs. 5 lakhs, shall be paid to the claimant on submission of
‘Succession Certificate’ issued by the court along with other relevant documents.
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o. Pledging of an account (where the provision of the Savings Scheme so permit)
 Transfer of an account as security may be made to:
i. the President of India or the Governor of a State in his official capacity;
ii. the Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a
Co-operative Bank;
iii. a Public or Private Corporation or a Government Company;
iv. a Local authority;
v. a housing finance company approved by the National Housing Bank and notified by
the Central Government.
 Guardian to certify that minor/person of unsound mind is alive and that the transfer is for his
benefit.
 A blind or a person with physical infirmity may pledge his deposit through any literate
individual whom he authorizes.
 The transferee of an account, until it is transferred back, shall be deemed to be the depositor.
p. Passbook
The passbook shall contain:

 Customer Identification number,
 Name and address of Accounts Office,
 System generated unique accounts number,
 Name of the scheme,
 Name and address of the depositors,
 Type of account (single or joint-A or Joint-B or Minor or authorized),
 Amount of deposit,
 Date of deposit, date of extension and date of maturity,
 Nomination registration number and date.
 C and B class offices have to attach the pass book along with voucher at the time of closure of
the account and send to HO/SBCO
 Pass book should be compulsorily produced along with application for withdrawal
q. Loans and partial withdrawal:
 Loans and partial withdrawals from an account shall be allowed where permissible under the
provisions of a Savings Schemes, and shall be subject to the conditions specified therein.
 In case of an account opened on behalf of a minor or a person of unsound mind, loan or
partial withdrawal shall be permitted to the guardian on furnishing the following certificate
o In an account on behalf of a minor or a person of unsound mind, loan or partial

withdrawal is permitted to the guardian on furnishing certificate: “Certified that the
amount sought to be withdrawn is required for the use and welfare of
Shri/Smt/Master/Kumari_________who is a minor/ a person of unsound mind/ a person
incapable of operating his account due to physical infirmity and is alive on
this______the day of________(month),__________(year).”
 In account opened by a minor, the loan or partial withdrawal shall be permissible to the minor.
 depositor suffering from physical infirmity, including blindness, that renders him incapable of
operating his account, may avail the facility of loan or partial withdrawal through an individual
authorised by him.
49
 Fee to be charged for various services
Sl Details of service Fee

No
1 Issue of duplicate pass book Rs 50/-
2 Issue of statement of account or deposit receipt Rs 20/- in each case
3 Issue of pass book in lieu of lost or mutilated certificate Rs 10/- per

registration
4 Cancellation or change of nomination Rs 50/-
5 Transfer of account Rs 100/-
6 Pledging of account Rs100/-
7 Issue of cheque book in Savings Bank Account

a. Up to 10 leaf in a FY Free
b. Above 10 leaf in a FY Rs 2/- per leaf
8 Charges on dishonor of cheque Rs 100/-
Tax as applicable on the above service charges shall also be payable .

9 CGST Collection on Banking and FIN Services 9%
10 SGST Collection on Banking and FIN Services 9%
11 UTGST Collection on Banking and FIN Services 9%
Forms to be used for operation of an account:
GSPR SB Order- Form no to Purpose

Form No be used by Post office
1 GSPR-1 AOF Opening of Account
2 GSPR-2 SB-103 Pay in slip
3 GSPR-3 SB-7 Withdrawal Form
SB-7C Application form for Loan/withdrawal from
RD/PPF and SSA Accounts
4 GSPR-4 SB 5, SB 5A Pass Book
5 GSPR-5 SB 10(b) Application for Transfer of Account
6 GSPR-6 GSPR-6 Application for Extension of Account
7 GSPR-7 GSPR-7 Application for Pledging of Account
50
8 GSPR-8 SB-7B Application for Premature closure of Account
9 GSPR-9 SB-7A Application for Final Withdrawal & Closure
10 GSPR-10 GSPR-10 Form for making nomination or Change or
Cancellation of nomination
11 GSPR-11 GSPR-11 Claim Form (Deceased)
12 GSPR-12 GSPR-12 Form for authorisation of operation of
account
13 GSPR-13 GSPR-13 Affidavit
14 GSPR-14 GSPR-14 Letter of disclaimer
15 GSPR-15 GSPR-15 Bond of Indemnity
3. National Savings Scheme Rules
1. The Post Office Savings Account Scheme, 2019 – Short Note.
 “Year” means a period of twelve months commencing on the 1st day of April.
 Only one account can be opened by an individual as a single account.
Eligible to Open Account:

 a single adult;
 twoadults jointly;
 a guardian on behalf of a minor;
 a guardian on behalf of a person of unsound mind;
 a minor who has attained the age of ten years, in his own name.
Joint Account:
 The share of an individual in the balance in a joint account shall be in equal proportion.
 On the death of one of the account holder in a joint account, the surviving account holder shall
be treated as the sole owner of the account.
o He may continue the account if he has no other single account in this Scheme. If he
already has another account, this account shall have to be closed.
Deposits and Withdrawals:

 Minimum initial deposit: INR.500.
 Minimum subsequent deposit: INR.10.
 Maximum deposit: No limit.
 Minimum withdrawal: INR.50.
 Pass book has to be presented, if withdrawal is using SB-7
 All deposits and withdrawals are allowed in whole rupee only.
 No withdrawal is permitted that will reduce the balance below INR.500.
Interest on deposits:
 Rate of interest is revised by MoF quarterly.
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 The interest is allowed for a calendar month on the lowest balance at the credit of an account
between the close of the tenthday and the end of the month.
 Interest shall be calculated and credited in the account at the end of each year.
 The interest shall be allowed only on sums of whole rupees.
o Any amount of fifty paisa or more shall be treated as one rupee and any amount less
than fifty paisa shall be ignored.
 If balance falls below INR.500 between the tenth and end of the month, no interest is allowed
for that month.
 If an account is closed during a year, interest shall be paid uptothe end of preceding month.
 On death of an account holder, the interest in his account shall be paid only in the end of the
month preceding the month in which the account is closed.
Issue of Cheque Book:

 A cheque book of ten leaves may be issued free of charge in a calendar year.
 Subsequent issue of cheque book shall be charged at two rupees per cheque leaf.
Silent Account:
 An account becomes ‘Silent Accounts’ if no deposit or withdrawal has taken place for three
completeyears.
 Transaction is allowed only after revival of silent account.
 Credit of interest in a Silent Account shall not be treated as atransaction.
 A maintenance fee of Rs 50/- shall be deducted in each financial from the account, if the
balance in the account is less than 500/-. If the balance in the account becomes ‘nil’ the account
shall stand automatically closed.
Closure of Account:
 The account may be closed at any time by the account holder.
2. The National Savings Recurring Deposit Scheme, 2019 – Short Note
 “Year” means a period of twelve months commencing from the date of first deposit in the
account.
 An individual may have more than one account in his name or jointly with another.
 The maturity period RD Account is five years.
Eligibility to Open Account:

 a single adult;
 upto three adults jointly;
 a guardian on behalf of a minor or a person of unsound mind;
 a minor who has attained the age of ten years, in his own name.
Maturity period.- The maturity period of the account shall be five years.
Deposits:
 Generally 60 monthly deposits in an account.
 Minimum denomination: INR.100 (or above in multiples of INR.10.)
 Initial funding to be done at the time of account opening.
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 Denomination cannot be varied during the currency of account.
 Subsequent deposits:
o if account is opened before the sixteenth day of a calendar month, subsequent deposits
to be made upto the fifteenth day of each month;
o if the account is opened between the sixteenth day and the last working day of a
calendar month, deposits to be made upto the last working day of each month.
Defaults in deposits:
 Maximum 4 defaults allowed in a RD account.
 Upto 4 defaults, the account holder mayextend the maturity periodby as many months as the
number of defaults and deposit the defaulted installments during the extended period.
 If more than four defaults, the account is treated as ‘discontinued.’
 Revival of ‘discontinued account’ is allowed only within a period of two months from the
month of the fourth default.
 Revival fee: INR.1 for every INR.100 of a defaulted installment for each monthof default.
Advance deposits:
 Advance deposits cannot be made in a ‘discontinued account.’
 Advance deposits can be made in any month during the currency of account ie. at the time of
opening of the account or any time thereafter.
 Minimum six-monthly installments including the current month shall be made to be eligible for
rebate.
 If the advance deposits are made for a period less than 12 months, the rebate will be that of 6
monthly advance deposits only.
 Rebate is given irrespective of whether the amount was deposited in one lump sum in any
calendar month or on different dates in any calendar month.
 Advance deposits may be made for any period up to five years.

Sl. Rebate for an account of INR. 100
Number of advance deposits
No. denomination
6 or more deposits but not exceeding
1. 11 deposits made in any calendar INR.10.
month.
INR.40 for every 12 deposits and INR.10
12 or more deposits made in any
2. for the balance, if any, of not less than 6
calendar month.
deposits.
Premature closure:
 Allowed after three years.
 Not allowed until the period for which any advance deposits have been made.
 Interest as the same rate at the Post Office Savings Account.
Maturity:
 Amount on maturity will be revised quarterly by MoF.
 Discontinued and not been revived account to receive an amountin the sameproportion to the
maturity.
 The amount payable on final closure on maturity.
 The amount payable shall be rounded off tothe nearest rupee.
53
Accounts continued beyond maturity period with or without fresh deposits:
 The account may be continued for a further period of up to a maximum of five years in the
same denomination with fresh deposits by making an application in Form-4.
 The continued account may be closed at any time. Then the amount of repayment will be
calculated as per the prescribed rates specified from time to time.

Illustration
If an account completed 9 years and 6 1 . Amount payable inclusive of interest for the
months from the date of opening account continued with fresh monthly deposits
(continued for 4 years and 6 months) and for four years as per the table
deposited with 114 installments 2 . SB rate of interest for six months on the
(60+48+6)andis closing today, the amount mentioned above as item number(1)
amount payable will be the total of 3 .The amount of 6 installments without any
interest.
 If a discontinued account is retained after the date of maturity, interest at the rate applicable to
RD for completed years, and at the rate applicable to the Post Office Savings Account for
completed months shall be paid on thematurity value on the date of maturity.

Illustration
If an account completed 9 years and 6 1 . Amount payable inclusive of interest for the
months from the date of opening account continued without fresh monthly deposits
(continued without fresh depositsand for four years as per the table
retained the deposit for 54 months 2 . SB rate of interest for six months on the
(48+6))is closing today, the amount amount mentioned above as item number (1)
payable will be the total of
Repayment on the death of the account holder:

 On the death of the account holder in a single account, or of all the account holders in a joint
account, no further deposits shall be made in the account.
 Repayment shall be made to the nominee or legal heirs.
 Then the amount of repayment will be calculated as per the prescribed rates specified from
time to time.
 If there are upto three surviving nominees or legal heirs, they may continue the account after
issue of claim sanction by making application to the post office.
 On the death of the guardian of minor or a person of unsound mind, the new guardian may
close the account and claim the amount if the same is required in the interest of such account
holder.
 On death of guardian, the succeeding guardian shall be eligible to operate the account of the
Minor or the person of unsound mind.
Protected Savings Scheme:

Under the Protected Savings Scheme, on the death of depositor before maturity of the account, the
legal heir is entitled to get full maturity value, subject to the conditions:
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 The payment of full maturity value under this paragraph shall be restricted to the maturity
value of an account of the denomination of one hundred rupees (even in cases of account
holder having multiple accounts with denominations exceeding or not exceeding one hundred.)
 The account has not become a discontinued account.
 The account should have completed at least two years on the date of death of depositor.
 The age of the account holder at the time of opening the account was not less than 18 years
and not more than 55 years.
 If more than one account of the denominations exceeding one hundred rupees benefit is given
to the account specified by the depositor.
 If no account has specified, benefit is given to the earlier account which qualifies the eligibility
conditions.
 The first 24 monthly deposits have been made without default.
o The amount of defaults, if any, after 24 months from the date of opening, together
with revival fee on such amount at the specified rate, shall be deducted from the
amount payable under PSS.
 No loan has been made from the account during the first 24 months.
o If a loan has been availed after 24 months from date of opening, any outstanding
amount of such loan with interest due shall be deducted from the amount payable
under PSS.
 The claim should be made within a year from the date of death of the account holder.
 The amount of advance deposits remaining after the death of the account holder, if any, shall
be refunded back to the claimant along with the full maturity value of the account under PSS.
 If the account holder has more than one account of the denominations not exceeding one
hundred rupees the benefit is given to such accounts specified by the account holder subject to
the maturity value of an account of one hundred rupees.
 If the account holder has more than one account of the denominations exceeding one hundred
rupees the benefit is given to such accounts specified by the account holder subject to the
maturity value of an account of one hundred rupees.
 If no account is specified by the account holder this benefit is given to the earlier accounts
which qualifies the eligibility conditions.
 If there are more than one account with different nominations the benefit is given to the earlier
accounts which qualifies the eligibility conditions.
 In case of an account of denomination of more than one hundred rupees, the proportionate
maturity amount which shall bear the same proportion to the full maturity value as the number
of instalments deposited in the account bear to sixty shall be calculated and if the amount so
calculated exceeds the full maturity value of an account of the denomination of one hundred
rupees, no benefit under this paragraph shall be admissible.
 If the said proportionate maturity value is less than the full maturity value of an account of one
hundred rupees denomination, then an amount equal to the maturity value of a one hundred
rupees denomination shall be payable under the Protected Savings Scheme.
 If a deceased account holder has more than one account having denominations of less than one
hundred rupees eligible for benefit under this Scheme, but the total of their denominations
exceeds rupees one hundred, the benefit of this Scheme shall be admissible only if the
combined proportionate maturity amount, of all such accounts is less than the maturity value
of the account of one hundred rupees denomination.
Loan:
Loan can be availed in RD account under the conditions:
 The account should not be a discontinued one.
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 Account should have completed minimum one year.
 Minimum of 12 monthly installments should have been made.
 Maximum available loan amount is 50% of the balance at credit including that of advance
deposits made.
 The loan amount should be a multiple of INR.10.
Repayment of Loan:
 The loan may be repaid, at any time during the currency of the account in one lump sum or in
equal monthly installments.
 Simple interest at the rate of 2% over and above the RD interest rate is applicable to the loan.
 If repaid in one lump sum, interest shall be calculated on the amount of loan from the date of
withdrawal to the date of repayment.
 If repaid in equal monthly installments, the amount of each installment shall be in multiples of
ten rupees.
o The number of installments shall not exceed the number of months remaining for
maturity of the account.
o The interest shall be calculated on the amount remaining unpaid at the end of each
month from the month of withdrawal of the loan.
 Unpaid loan amount with interest, if any, can be recovered from the amount payable at the
time of the closure of account.
 The amount of interest recoverable on loan repaid on any one occasion shall be rounded off to
the nearest rupee.
Procedure on the minor attaining majority:

 The minor attaining majority can continue the account for the full period.
 If minor does not continue the account any longer, he may claim proportionate amount as
specified.
 For continuing the account, needs to furnish a certificate as:
o “I hereby declare that the General Rules and the National Savings Recurring Deposit
Scheme, 2019 have been read by/to me and I accept the said rules and the scheme and
all such amendments thereto as may be issued from time to time as binding on me.”
3. The National Savings Time Deposit Scheme, 2019 – Short Note.
 “Year” means a period of twelve months commencing on the date of deposit in an account.
 Four categories of account: One year, Two-year, Three year and Five year.
 An individual may have more than one account in his name or jointly with another.
 A TD account can be pledged.

 A single adult;
 Maximum of three adults in joint names;
 A minor who has attained the age of ten years;
 A guardian on behalf of a minor or a person of unsound mind.
Deposit:
 Only one deposit is allowed in an account.
 Minimum deposit: INR.1000 (or above in multiples of INR.100)
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Extension of Account:
 Account can be extended for another tenure for which the account was initially opened.
 The rate of interest to the account in extended period will be at the rate applicable to the
scheme as on date of maturity.
 Account can be extended maximum twice.
 Account holder may exercise the option to extend at the time of opening.
 Account holder may revoke the extension anytime before the date of repayment.
 Account holder may exercise the option to extend account on maturity within the period
as per the table below:
Period from date of repayment by

Sl. No. Category of Account which option for extension may be
exercised.
1. One-year Six months
2. Two-year Twelve months
3. Three-year Eighteen months
4. Five-year Eighteen months
Rate of Interest:
 Revised quarterly by MoF.
 Interest shall be compounded on quarterly basis and payable to the account holder at the end
of each year during the period of deposit.
 Interest is paid in whole rupee.
 The rate applicable on the date of opening of the account shall apply till maturity.
 If the date of payment of interest falls on a non-working day, the payment shall be deemed to
be due on the working day immediately preceding.
 No additional interest shall be payable on the amount of interest that has become due for
payment but not withdrawn by the account holder.
 The annual interest may be credited to the Post office / Bank savings account of the account
holder at his option.
 Interest on MIS/SCSS/TD accounts will be credited only in account holder’s PO Savings
Account or Bank Account with effect from 01.04.2022.
Premature Closure:
 No premature closure allowed before expiry of six months from date of deposit.
 If a one-year, two-year, three-year or five-year account is withdrawn prematurely after
sixmonths, but before the expiry of one year from the date of deposit, interest shall be payable
at the rate applicable to Post Office Savings Account for the completed months.
 If a two-year, three-year or five-year account is withdrawn prematurely after the expiry of one
year from the date of deposit, interest on such deposit shall be payable to the account holder
for the completed years and months, commencing on the date of deposit and ending with the
date of withdrawal at an interest rate that is 2% less than the rate specified for a deposit of
one-year, two-year or three-year. For part of a year interest is calculated at that of Post Office
Savings Account.
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 If a five year Time Deposit account is closed after four years from the date of deposit, rate
admissible for three-year Time Deposit account shall be applicable for calculation of interest.
Illustration: In case of Premature closure of a 5 year TD Account

1 For the first six months from date of Lock up period. No PMC Allowed
opening
2 AfterSix Months but before one year SB Rate of interest for completed months
3 After one year but before two years One Year TD interest rate – 2% for
completed year (Quarterly compounded)
Plus, Savings Bank Interest for completed
months thereafter
4 After Two years but before three years Two Year TD interest rate – 2% for
completed years (Quarterly compounded)
months thereafter
5 After Three years but before four years Three Year TD interest rate – 2% for
months thereafter
6 After Four years but before five years Three Year TD interest rate – 2% for
months thereafter
4. The National Savings (Monthly Income Account) Scheme, 2019 – Short Note.
 “Year” means a period of twelve months commencing from the date of deposit in the account.
 An individual may open and operate one or more than one account as a single account or a
joint account subject to the ceiling of maximum deposit limit.
 Maturity period is five years.

 a single adult;
 upto a maximum of three adults in joint names;
 a minor who has attained the age of ten years;
 a guardian on behalf of a minor or a person of unsound mind.
Deposits
 Minimum deposit: INR.1000 (in multiples of INR.1000)
 Maximum deposit:
o 9 lakhs rupees in a single account.
o 15 lakhs rupees in a joint account.
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Interest on deposit:
 Interest is paid on completion of a month from the date of deposit.
 If the interest payable every month is not claimed, such interest shall not earn any additional
interest.
 Interest shall be rounded off to nearest multiple of one rupee.
 If a deposit exceeds the specified limit, the excess amount should be refunded to the depositor
immediately.
o This excess amount will earn interest at the Post Office Savings Account rate from the
date of deposit of that excess amount till the end of the month preceding the month in
which the deposit has been refunded.
 If the date of payment of monthly interest falls on Sunday or a holiday, the payment shall be
deemed to be due on the business day immediately preceding that Sunday or a holiday.
 If the deposit is made on 29th, 30th and 31st of a month and if these dates do not come in the
following month, the payment of monthly interest shall be made on the last date of the
following month and if such last day is a holiday, monthly interest shall be paid on the
preceding day.
 The monthly interest may be credited to the Post office / Bank savings account of the account
holder at his option.
Premature closure:
 Only allowed after one year from the date of opening.
 If the account is closed on or before the expiry of three years, 2% of the deposit shall be
deducted.
 If the account is closed after the expiry of three years, 1% of the deposit shall be deducted.
Death of Account Holder:

 In case the account holder dies before the maturity of the account, the account may be closed
and the deposit shall be refunded along with interest upto the month preceding the month in
which refund is made.
5. The Senior Citizens’ Savings Scheme, 2019 – Short Note.
 More than one account may be opened subject to maximum limit.

 Who has attained the age of sixty years on the date of opening of the account;
 Who has attained the age of fifty-five years or more but less than sixty years, and who has
retired on superannuation or otherwise on the date of opening of an account.
o The account is opened by such individual within one month of the date of receipt of
the retirement benefits.
 Retired personnel of Defence Services attaining the age of fifty years.
 An individual may open an account in individual capacity, or jointly with spouse.
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o There shall be no age-limit for the second applicant.
o The whole amount of deposit in a joint account shall be attributable to the first account
holder only.
 Both the spouses can open single account and joint accounts with each other with the
maximum deposit of upto fifteen lakhs rupees in each account provided both are individually
eligible to open the account.
Deposit:
 Minimum deposit: INR.1000 (in multiples of INR.1000)
 Maximum deposit: 30 lakhs rupees.
o For those retired on superannuation or otherwise deposits shall be restricted to the
retirement benefits received or fifteen lakh rupees, whichever is lower.
 If a deposit exceeds the specified limit, the excess amount should be refunded to the depositor
immediately.
o The excess amount will earn interest at the Post Office Savings Account rate from the
date of deposit of excess amount to the date of refund.
Explanation:
For the purposes of this sub-paragraph, “retirement benefits” means any payment due to the
account holder on account of retirement on superannuation or otherwise and includes
Provident Fund dues, retirement or superannuation gratuity, commuted value of pension,
cash equivalent of leave, savings element of Group Savings Linked Insurance Scheme payable
by the employer on retirement, retirement-cum-withdrawal benefit under the Employees’
Family Pension Scheme and ex-gratia payments under a voluntary or a special voluntary
retirement scheme.
 Interest is paid from the date of deposit to 31st March/30th June/30th
September/31stDecember on the first working day of April/July/October/January, as the case
may be, in the first instance.
 After interest shall be payable on first working day of April/July/October/January as the case
may be.
 Account holder can have the interest credited to his Post Office/Bank Savings Account of the
account holder at his/her option.
 If the interest is not claimed, no additional interest will be given.
 Extended account shall earn interest at the rate applicable to SCSS on the date of maturity.
 Post Office Savings Account rate of interest shall be payable on deposits in the account which
are not extendedor closed on maturity or extended maturity.
 The interest for any period less than a quarter shall be calculated using formula:
o Number of days in the period x Interest for the quarter
o Total number of days in the quarter
 If the interest is not claimed on the due date, it can be claimed on any date after the due date.
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Premature closure:

if closed before expiry of one year No Interest (If any interest is already paid it
should be refunded)
If closed after one year, but before two 1.5% of the deposit shall be deducted
years
If closed after expiry of two years 1% of the deposit shall be deducted
For accounts extended after five years Allowed after expiry one year from the date of
extension without any deduction
Interest on the deposit shall be payable up to the date preceding the date of premature
closure
Death of Account Holder:

 On death of the account holder before maturity or extended maturity, the account shall be
closed and deposit refunded along with interest as applicable till the date of the death of the
account holder, to the nominee or the legal heirs.
 Interest on the deposits in the account shall earn interest at the rate applicable on Post Office
Savings Account from the date of death of the account holder till the date of final closure of
theaccount.
 In case of a joint account, or where the spouse is the sole nominee, the spouse may continue
the account on the same terms and conditions, if the spouse meets eligibility conditions on the
date of death of the account holder.
 In case both the spouses have opened separate accounts, on death of a spouse the account
standing in the name of the deceased shall not be continued and shall be closed.
Extension after maturity:

 An account can be extended only once.
 Account may be extended for three-year period, within a period of one year from the date of
maturity.
 Irrespective of the date of application for extension, the account shall be deemed to have been
extended from the date of maturity.
 Account may be closed any time after one year from the date of extension without any
deduction.
6. The Public Provident Fund Scheme, 2019 - Short Note.
 “Year” means the financial year.

 Only one account is permitted in the name of an individual.
 Joint account is not permitted.
 Minimum deposit in a year: INR.500 (in multiples of INR.50)
 Maximum deposit in a year: 1.5 lakhs rupees.
 Maximum limit includes deposits made in his own account and in the accounts opened by him
as guardian.
 More than one installment in an account in a month can be deposited.
 Maturity period is fifteen years.
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 Amount standing to the credit of any account holder shall NOT be liable to attachment under
any order or decree of any court in respect of any debt or liability incurred by the account
holder.
Discontinuation of account:
 After initial deposit, if an account fails to maintain minimum deposit in a year, it is treated as
discontinued.
 A discontinued account may be revived during its maturity period on payment of a fee of fifty
rupees.
 Balance in a discontinued, but not revived account shall continue to earn interest at the PPF
rate.
 Before the closure of a discontinued account, another PPF account cannot be opened.
 The facilities of loan and partial withdrawal are not allowed in a discontinued account.
Interest:
 Interest shall be eligible for a calendar month on the lowest balance at the credit of an account
between the close of the fifth day and the end of the month.
 Interest shall be credited to the account at the end of each year.
 Interest shall be credited at the end of the year irrespective of the change of the account office
due to transfer of the account during the year.
Loan:
 Loan available after the expiry of one year from the end of the year in which the initial
subscription was made but before expiry of five years from the end of the year in which the
initial subscription was made.
 Only one loan in a year.
 Loan amount is a sum of whole rupees not exceeding 25% of the amount that stood to his
credit at the end of the second year immediately preceding the year in which the loan is
applied for.
 No fresh loan is allowed if there is an existing one.
 Guardian to furnish the certificate to avail loan:
o “Certified that the amount sought to be withdrawn is required for the use and welfare
of Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of
unsound mind/ a person incapable of operating his account due to physical infirmity
and is alive on this……the day of…………..(month), ……….(year).”
Repayment of loan and interest:

 The repayment may be made either in one lump sum or in installments.
 The principal amount of a loan shall be repaid within thirty-six months from the first day of the
month following the month in which the loan is sanctioned.
 After the principal amount of the loan is fully repaid, interest to be paid in not more than two
monthly installments at the rate of 1% per annum of the principal for the period commencing
from the first day of the month following the month in which the loan is drawn up to the last
day of the month in which the last installment of the loan is repaid.
 If loan is not fully repaid within a period of 36 months, interest on the amount of loan
outstanding shall be charged at 6% per annum (instead of at 1%) with effect from the first day
of the month following the month in which the loan was obtained, to the last day of the
month in which the loan is finally repaid.
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 On death of the account holder, the nominee or legal heir shall be liable to pay interest on the
outstanding loan.
Withdrawal from account:

 Withdrawal is permitted only after five years from the end of the year in which the account
was opened.
 Only one withdrawal is permitted in a year.
 No withdrawal is permitted from discontinued account.
 No withdrawal is permitted if there is an outstanding loan.
 Maximum withdrawal amount eligible is 50% of the amount that stood to his credit at the end
of the fourth year immediately preceding the year of withdrawal or at the end of the preceding
year, whichever is lower.
 Guardian to furnish the following certificate for availing withdrawal:
o “Certified that the amount sought to be withdrawn is required for the use and welfare
of Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of
unsound mind/ a person incapable of operating his account due to physical infirmity
and is alive on this……the day of…………..(month), ……….(year).”
Continuation of account without deposits after maturity:

 The account may be retained after maturity without making any further deposits for any period
and the balance in the account will continue to earn interest at the PPF rate.
 One withdrawal per year is allowed of any amount within the balance.
 Once an account is continued without deposits for more than a year, then it cannot be
continued with deposits.
Extension of account with deposits after maturity:

 Account after maturity can be extended with deposits for each further block of five years for as
many times.
 The option of extension of account should be exercised before expiry of one year from the
maturity of the account.
 Account opened on behalf of a minor or a person of unsound mind may be extended at the
request of the guardian.
 An account holder who has given his option for the extension of the account for a period of
five years shall not have the option to withdraw his request at a later stage.
 If the account is continued with deposits for one or more five block periods, the account holder
may leave the account without deposits on completion of any block period and the account
shall continue to earn interest till it is closed.
 One withdrawal per year is permitted from the extended account.
 The total withdrawal during the block period of five years shall not exceed 60% of thebalance
at credit at the commencement of the block period.
o Such withdrawal may be made either in a single or in yearly installments.
Premature closure - conditions:

 Not allowed before expiry of five years.
 Only allowed on the following conditions:
o Treatment of life-threatening disease of the account holder, his spouse or dependent
children or parents.
o Higher education of the account holder, or dependent children.
o On change in residency status of the account holder.
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 In PMC, interest shall be lower by 1% than the PPF rate at on the date of opening/extension of
the account.
 Power of sanction of such PMC is delegated to Head of Division, Senior Postmaster, Chief
Postmaster, Director.
Death of the Account Holder:

 The account shall be closed.
 The nominee or the legal heir shall not be allowed to continue the account.
 The balance shall earn interest till the end of the month preceding the month in which the
eligible balance is paid to the nominee or the legal heir.
7. The Sukanya Samriddhi Account Scheme, 2019 – Short Note.
 “Account holder” means a girl child in whose name the account is held.
 “Family” means a unit consisting of a person and his spouse (both or either of whom are alive
ordeceased) and their children, adopted or otherwise.
 “Financial year” means the period commencing on the 1st day of April and ending on the 31st
day of March of the following year.
 “Maturity” means maturity of an account on completion of a period of 21 years from the date
of its opening.
 Birth certificate is mandatory at the time of opening of account.

 Guardian can open an account in the name of a girl child below 10 years of age at the date of
opening.
 Only one account is permissible per account holder.
 Accounts can be opened in the names of a maximum of two girl children in one family.
o More than two accounts may be opened, if such children are born in the first or in the
second order of birth or in both, in a family.
 The above exemption shall not apply to girl child of the second order of birth, if
the first order of birth in the family results in two or more surviving girl children.
Deposits:
 Minimum initial deposit: INR.250.
 Subsequent deposits should be in multiples of INR.50.
 Minimum deposit in an account in a financial year: INR.250.
 Maximum total amount of deposit in an account in a FY: Rupees 1.5 lakhs.
o If total deposit in excess of 1.5 lakhs in any financial year is accepted due to any
accounting error, shall not be eligible for any interest and be returned immediately to
the depositor.
 Deposits may be made till the completion of a period of 15 years from the date of opening of
the account.
 An account will be treated as “under default” if minimum amounthas not been deposited.
o An account under default may be regularized any time till completion of a period of
fifteen years from the date of opening of account on payment of a penalty of fifty
rupees for each year of default along with the minimum annual deposit in respect of the
defaulted years.
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 The interest shall be calculated for the calendar month on the lowest balance in the account
between the close of the fifth day and the end of the month.
 The interest shall be credited to the account at the end of each financial year.
 Interest shall be credited at the end of the financial year irrespective of the change of the
account office due to transfer of the account during the financial year.
Operation of account:
 The account shall be operated by the guardian till the account holder attains the age of
eighteen years.
 The account shall be operated by the account holder herself after attaining age of eighteen
years.
Premature closure:
 On death of the account holder, the account shall be closed immediately.
 SB rate of interest shall be paid from date of death to date of closure of the account.
 PMC is allowed in extreme compassionate grounds such as:
o Medical support in life-threatening diseases of the account holder.
o Death of the guardian that the operation or continuation of the account is causing
undue hardship to the account holder.
 No PMC on the above grounds shall be made before completion of five years
from the date of opening of the account.
 Power of sanction of such PMC is delegated to Head of Division, Senior
Postmaster, Chief Postmaster, Director.
Withdrawal:
 Only allowed for the purpose of education of the account holder.
 Withdrawal shall be allowed after the account holder attains the age of 18years or has passed
10thstandard, whichever is earlier.
 Withdrawal amount is maximum of 50% of the balance at the end of the FY preceding the
year of application for withdrawal.
 The withdrawal may be made in one lump sum or in installments not exceeding one per year,
for a maximum of five years subject to the ceiling mentioned above.
o Amount of withdrawal shall be restricted to the actual requirement on account of
feeand other charges.
Closure on maturity:
 Maturity on completion of a period of 21 years fromthe date of its opening.
 Closure may be permitted before 21 years if the account holder making a request for reason of
her intended marriage.
o She has to submit a declaration duly signed on non-judicial stamp paper attested by the
notary and proof of age confirming that she will not be less than eighteen years of age
on the date of marriage.
o No such closure shall be allowed before one month from the date of the
intendedmarriage or after three months from the date of marriage.
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8. The National Savings Certificates (VIII Issue) Scheme, 2019 – Short Note.
 Single Holder Type Account,
 Two or three adults can open Joint A- Type Account and Joint B - Type Account.
 An individual may open any number of accounts.
 Minimum deposit: INR.1000.
 Maximum deposit: No limit. In multiples of INR.100.
 Maturity value will be notified by the Government from time to time.
 An Account may be pledged or transferred as security.
Premature closure:
 PMC will be allowed only:
o On the death of the account holder in a single account, or any or all the account
holders in a joint account;
o On forfeiture by a pledgee being a Gazetted Officer, when the pledge is in conformity
with this Scheme;
o When ordered by a court.
 If PMC occurs before one year, only principal amount shall be payable.
 If prematurely closed after one year but before three years, interest shall be at POSB rate.
 If PMC occurs after three years, amount payable shall be as under:
PREMATURE CLOSURE VALUE OF ACCOUNT WITH INR.1000

Period from the date of the account to the date of its Amount payable inclusive of
premature closure interest (Rupees)
Three years or more, but less than three years and six 1214.77
months
Three years and six months or more, but less than four 1254.80
years
Four years or more, but less than four years and six 1296.16
months
Four years and six months or more, but less than five 1338.87
years
Transfer of account from one individual to another:

 Account may be transferred from one individual to another, if transferee is eligible to open a
NSC Account, in the following cases:
o On the death of account holder in case of a single account or on the death of all the
account holders in a joint account, the amount shall be transferred to the legal heirs or
the nominees.
o On the order of the court, the account shall be transferred from the account holder to
the court or to any other individual as per the orders of the court.
o On pledging.
o In the event of the death of any of the account holders in a joint account, the account
shall be transferred in the name of the surviving account holder or account holders.
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Payment on the death of account holder:
 If a nomination is in force:
o To the surviving nominee/s.
o If nominee is minor, to appointee/guardian.
 If no nomination in force:
o If probate of his will or letters of administration of his estate or a succession certificate is
notproduced within six months from the death of the depositor then,
 if the eligible amount in the account does not exceed Rs.5lakhs, the authority
may pay the same to any person appearing to him as the rightful claimant and
to his satisfaction to be entitled to receive the amount, when submitted with
relevant documents.
 if amount is above Rs. 5 lakh, shall be paid to the claimant on submission of
‘Succession Certificate’ issued by the court along with other relevant documents.
 If there are not more than three surviving nominees or legal heirs, they may, at their option,
continue the account and receive the amount of deposit along with interest on maturity, as if
they had opened the account themselves.
o If the account is not continued as per the above paragraph, it shall be closed and the
amount of deposit along with interest shall be paid.
 On the death of one or two of the account holders in a joint account, the surviving account
holder or holders, if any, shall be treated as the owner or owners of the account and such
account holder or holders may continue the account or close the account at their option.
9. The Kisan Vikas Patra Scheme, 2019 – Short Note.
1. “Year” means a period of twelve months commencing from the date of deposit in the account.
2. Single Holder Type Account,
3. Two or three adults can open Joint A- Type Account and Joint B - Type Account.
4. An individual may open any number of accounts.
5. Minimum deposit: INR.1000.
6. Maximum deposit: No limit. In multiples of INR.100.
7. Maturity period is 10 years and 3months.
8. Deposit shall double on maturity.
9. PMC will be allowed at any time in the following circumstances:
o On the death of the account holder in a single account, or any or all the account
holders in a joint account;
o On forfeiture by a pledgee being a Gazetted Officer,
o When ordered by a court.
 On the closure of the account in such circumstances, principal amount along with simple
interest calculated at the rate applicable from time to time to Post Office Savings
Account for the complete months for which the account has been held, shall be
payable.
10. The account holder can prematurely close the account any time after 2 years and 6 months.
o Proportionate interest for completed years and half year is paid.
11. Account may be pledged or transferred as security.
12. Account may be transferred from one individual to another.
13. For pledging, transfer from one individual to another, payment on death of account holder the
same operational procedures of NSC is followed.
67
10. Mahila Samman Savings Certificate
(a) . Type of account

The account can be opened by individual women or
by the guardian on behalf of a minor girl child.
Account may be opened on or before 31.03.2025
(b). Deposits
I. A minimum of one thousand rupees and in any sum in multiples of hundred may be deposited
in an account. Only one deposit allowed in an account.
II. There shall be a maximum limit of two lakh in an account or in all accounts under this scheme
held by an account holder.
III. An individual may open any number of accounts in the scheme subject to a maximum limit for
deposit rupees two lakh and a time gap of three months between the existing account and the
opening of another account.
(c). Interest
I. The rate of interest is 7.5 percent

II. The interest is compounded on quarterly basis and credited to the account
III. POSB rate of interest shall be payable to the account opened in contravention of rules
( d) Withdrawal.
I. Withdrawal is allowed after one year from the date of opening of the account
II. Only one withdrawal is allowed.
III. Maximum upto 40 percent of the eligible balance can be withdrawn.
(e ) Premature closure of the account.
Premature closure is allowed on:
I. On death of the account holder

II. Or on in extreme compassionate grounds such as death of guardian or for medical support in
the life threatening diseases of the account holder that the continuation of the account is
causing undue hardship to the account holder.
III. Documentary proof is required.
IV. In the above cases (i and ii) MSSC Interest rate shall be payable
Premature closure of the account other than the above (i&ii) may be permitted at any time after
completion of six months but the interest rate less by two points only will be paid. (7.5 – 2 = 5.5%)
68
(f) Maturity closure.
Maturity closure is allowed after expiry of two years from the date of opening the account.
(g) Clarifications issued by direcorat:
Sl.No Query Clarification

1 Whether this scheme available through This scheme is not covered under the
agents ? MPKBY/SAS agency.
2 Whether investment under the scheme The investment under scheme does not
qualifies for a rebate u/s 80C of Income Tax qualifu for rebate tr/s 80C of Income
Act ? Tax Act.
3 Whether interest eamed in the scheme has Interest eamed under the scheme is
tax exemption ? tarable.
4 Whether the maximum limit for investment Maximum limit prescribed in Rule 4('l)
of t 2 lakh is separate in case of minor ? of Mahila Samman Savings Certificate,
2023 is for an Individual. As such minor
limit is separate and investment upto -
2lakh can be made in the name of
minor girl child.
4. Settlement of Claim
SB Order 31/2020 and 36/2020
Payment of the Amount of National Small Savings Schemes Accounts/Certificates in the Name
of Deceased Depositor(s)
(l) Basis of Settlement of claims: - The claim to the amount of National (Small) Savings Schemes
Accounts/Certificates standing in the name of deceased depositor(s) may be made on the basis of:-
(a) Nomination
(b) Legal evidence
(c) Without the production of legal evidence at the discretion of sanctioning authority up to the limit
fixed by Ministry of Finance which is Rs. 5,00,000/- at present.
If the claim exceeds the prescribed limit which is now Rs. 5,00,000/-, the claimant should be advised
to obtain a succession certificate from a competent court of law.
Note 1: - The prescribed limit shall be applicable to each Account/Registration Number in case of
Certificate separately.
Note 2:- When a minor/ person of unsound mind on whose behalf a guardian has opened an
account/certificate dies and no nomination made in that account, the eligible amount shall be paid to
the guardian on submitting claim along with death certificate of the minor.
69
(2) Account/Certificate in respect of which nomination exists.
(i) In case the deceased depositor of the National (Small) Savings Scheme has made a
nomination and registered the same with the Post Office and in force at the time of death of the
depositor, the nominee/nominees of the deceased depositor are entitled to receive the amount at
credit of the deceased depositor immediately after the death, irrespective of the amount, without
production of legal evidence.
(ii) The nominee/nominees may make an application in prescribed Form (in duplicate) to the
Post Office where account stands along with the proof of death of the depositor in original and
passbook/certificates. If a claimant is not able to hand over original death certificate/proof of death,
the Postal Authority receiving claim can accept photo copy of the same by comparing with original. ln
such a case, that authority should write on the photocopy "Compared with original and found correct"
under dated signatures and designation stamp.
(iii) Where there are more than one nominee, if any nominee(s) has also died, the proof of
death of such nominee in original should also be submitted along with claim application form.
(iv) If there are two or more surviving nominees, the eligible balance shall be paid in the
proportion as specified by the depositor while making the nomination, and if no such proportion or
share is specified, then in equal proportion to all the surviving nominees to be paid. On the death of
the last surviving nominee or the sole nominee, the claim in respect of the account will be settled in
favour of the legal heir of the last deceased nominee and not in favour of the LEGAL heir of the
deceased depositor.
(v) If any nominee dies, his specified share in the eligible balance shall be distributed among the
surviving nominees in the same proportion as their specified shares.
(vi) Where the nominee is a minor, the payment shall be made to a person appointed by the
depositor to receive such payment and, if no such person has been appointed, payment to be made to
the guardian of the minor.
(vii) The claim should be submitted in the Post Office where account,/certificate stands. If the
claim is submitted at any other post office, the GDS BPM/SPM/PM/Sr. PM/CPM/Director should accept
the claim application form along with documents and after accepting witnesses, forward the case along
with all documents to the post office where account stands by Service Insured Post on the day of its
receipt.
(viii) On receipt of the claim form at the post office where account stands, the Postmaster will
verify the following:
a. Name of depositor in Finacle/Sanchay Post with Passbook/Certificate and in death certificate.
b. Details of nomination in Finacle/Sanchay Post/Nomination Register.
c. Balance available in Passbook/Certificate with Finacle/Sanchay Post.
d. Verify any Court order/Tax authority, /Freeze/Pledge/objection is not pending against that
Account/Certificate.
e. The nominee(s) should be satisfactorily identified by taking lD proof and address proof.
(ix) After verification of claim in all respect as mentioned above, the concerned Postmaster shall
enter details of claim in deceased claim/nomination register and issue a sanction for payment of the
balance to the nominee(s) on the claim form.
70
Note:- If claim is received from other post office, claim form duly sanctioned should be sent to
that post office by Service Insured Post for taking acquittance from the claimant. The Post Office where
claim was submitted, shall obtain acquittance from claimant on the claim form and in case of pre-
printed certificates, collect original certificates with signature of the claimant and send back the same to
the Postmaster of office of payment by Service Insured Post. Once claim form and original certificates
(if any) is/are received back, the payment office will close account/ discharge certificates and crossed
cheque should be sent to the Post Office by service Insured Post. Details of cheque sent by insured post
should be noted on the claim form. In case the claimant desires payment into his/her POSB Account,
he/she should mention POSB account number along with copy of first page of passbook in the
acquittance portion of the claim Form. In case claimant desires payment into his/her Bank account,
he/she should mention account number,IFSC Code, Bank Name along with copy of first page of
passbook/cancelled cheque.
(x) No separate account closure form is required to be taken and receipt of the amount should
be taken in the sanction issued on claim form itself at the time of payment which will be treated as
account closure voucher. Photocopy or Duplicate Copy of this form should be kept in the claim case
file as office copy.
(xi) Where there is more than one surviving nominee, payment should be made to all
nominee(s) as per their share(s) specified, after taking acquittance on sanction.
Note:- In case of exceptional circumstances where all the nominees are not in a position to submit
claim or able to attend post office jointly, they may authorize nominee(s) to claim/take payment and
the claimant nominee may submit disclaimer from other nominees in Form 14 of GSPR-2018 along
with their KYC documents. In such case, payment can be made to the claimant nominee(s).
(xii) In case, the nominee(s) has lost the original Passbook/certificate(s) or is otherwise not in
possession of it, he/she/they may apply for issue of Passbook/certificate(s) in his/her/their own name
after his/her claim has been admitted and sanction is issued by the competent authority. The procedure
as laid down in the relevant Rules for issue of duplicate certificate/ passbook will apply mutatis
mutandis.
(xiii) The physical presence of witness is not required if self-attested copy of the ID/Address
proof of the witnesses containing the signature of the witness concerned are produced along with
other claim documents.
Note 1: - The Postmasters of all Sub Offices/Head Office can sanction the claim of an
account/certificate where nomination is in force and registered in respective Post Office, irrespective of
any limit in all National (Small) Savings Schemes.
Note 2: - AII claims in respect of discontinued schemes will be sanctioned at respective Head
Post Office. The concerned SPM will send claim form along with document to the concerned Head
Post Office.
Note 3: -Where, Account/certificates stands in GDS Branch Post Offices and nomination exists,
the claim form along with death certificate, passbook/certificate may be accepted by GDS BPM and
after scrutinizing/verification of the documents, the GDS BPM will send the claim application form to
concerned Account Office and the claim should be sanctioned by respective Account Office.
Note 4:-The post office is required to give precedence to the nominee(s) over all other persons
staking claims on the amount while settling deceased claims cases and such payment to the nominee
71
absolves the post office from all future liability in respect of the deposit. However, if any legal heir
preferred claim on the basis of a Succession Certificate, Probate of Will or Letter of Administration of
the deceased estates issued by any court of law before sanctioning of claim in favour of nominee, claim
shall be settled in favour of Succession Certificate/Probate of Will or Letter of Administration holder.
Note 5:- In case nomination was made by the depositor and was in order but for any reason,
Post Office did not register the nomination; the nomination can be registered later on after verification
and approval by Divisional Superintendent.
(3). Claims supported by legal evidence : -
(i) When a claim is received supported by legal evidence such as succession certificate under the
Indian Succession Act, 1925 or a Probate of will or Letter of administration of the deceased estate and
there is no nomination, the claimant(s) will be requested to prefer claim in prescribed Form(in
duplicate) along with Original Death Certificate/Proof of Death of the deceased issued by competent
authority. If a claimant is not able to hand over original death certificate/proof of death, the postal
authority receiving claim can accept photocopy of the same by comparing with original. In such a case,
that authority should write on the photocopy "compared with original and found correct" under dated
signature and designation stamp.
(ii) The claim supported by legal evidence for account/certificate standing at Time Scale, /LSG
/sub post offices, the respective SPMs can sanction claim up to the limit prescribed for sanction of claim
"where no nomination exists or no legal evidence produced" in table below in rule 4 (B).
(iii) The claim supported by legal evidence and where no nomination exists for
account/certificate standing at Time Scale/LSG sub post offices beyond the sanction limit of respective
SPMs, those claims will be forwarded to the Divisional Head after verifying all particulars of claim and
Divisional Head will issue sanction for such claims irrespective of any limit.
(iv) The claim supported by legal evidence for account/certificate standing at HSG-II/ HSG I Sub
Post Offices/MDGs/HO/GPO, the respective SPMs/PMs/Sr.PM/CPM/Director can sanction claim
irrespective of any limit in such cases.
(v) All claim submitted in respect of discontinued schemes will be sanctioned at respective
HPO/GPO. The concerned SPM will send the claim form along with the documents to the concerned
HO/GPO.
(vi) On receipt of the claim form, the Postmaster will verify the following: -
 Name of depositor in Finacle/Sanchay Post with Passbook/certificate and in deathcertificate.
 Genuiness of legal evidence submitted.
 Balance available in passbook/certificate with Finacle/Sanchay Post.
 verify any Court order/Tax authority/Freeze/Pledge/objection is not pending against that
account/certificate.
 The claimant(s) should be satisfactorily identified by taking ID proof and address proof.
(vii) No separate account closure form is required to be taken and receipt of the amount should be
taken in the sanction issued on claim form itself at the time of payment which will be treated as
account closure voucher. Photocopy or Duplicate of this form should be kept in the claim case file as
office copy.
72
Explanation:- For the purpose of determining the sanctioning authority, the term "balance" shall
mean the balance at credit of the account of the deceased depositor on the date of death to which
interest already accrued during the preceding year.
Note 1:- ln case the claimant is unable to produce the original legal evidence in support of his
claim, he may, at his own cost, produce certified copies of the documents from the Public Officer
having the custody of such documents. If there is any difficulty in producing certified copies, he may
produce self-attested copies of such documents along with the originals for comparison by the
sanctioning authority who should pass remark on the self-attested copies of such documents that he has
examined the original and found the copy to be correct.
Note 2:- If claim is received from other post office, claim form duly sanctioned should be sent to
that post office by Service Insured Post for taking acquittance from the claimant. The Post Office where
(if any) is/are received back, the payment office will close account/discharge certificates and crossed
acquittance portion of the claim form. In case claimant desires payment into his/her Bank account,
he/she should mention account number, IFSC Code, Bank Name along with copy of first page of
(4) Claims without Nomination / production of legal evidence : -
(A) In case where no nomination exists or no legal evidence produced/available and balance in
an account/certificate (purchased through single purchase application in case of old certificates) is not
above Rs.5,00,000 and if the legal heir(s) of the depositor of an account/certificate, want to prefer a
claim, the claimant(s) may submit claim in prescribed form after the expiry of the six months of the
death of the depositor. The following additional form/documents shall be submitted for settlement of
claim.
 Death certificate or proof of death in original,
 Pass Book/certificate or deposit receipt/statement of account in original,
 Affidavit in Form- 13,
 Letter of disclaimer in Form-14,
 Bond of Indemnity in Form-l5,
Note I :- The claim application form must be filled by the person who is entitled under the law
(vide Sections 8 and 15 of the Hindu Succession Act, 1956, in case of persons governed by that Act,
Mohammedan Law in case of a Muslim and Indian Succession Act, 1925 in case of Christians and
others).
Note 2:- (i) If a claimant is not able to hand over original death certificate/proof of death, the
Postal Authority receiving claim can accept photocopy of the same by comparing with original. In such
73
a case, that authority should write on the photocopy "Compared with original and found correct"
under dated signatures and designation stamp.
(ii) Form-13/14/15 shall be submitted on non-judicial stamps of the required value according to
current Stamp Act of respective state.
(iii) A guardianship certificate on behalf of the minor relatives of the deceased depositor should
be submitted if the claimant is not a guardian under the law applicable to him.
(B) The authorities mentioned below are competent to sanction claims without production of
legal evidence up to the limit noted against each after expiry of Six (6) Months from the date of death
ofthe depositor where no nomination is in force and if no succession certificate or probate of will or
letter of administration of the deceased estate is produced during the period or up to the date of
sanction.
Sl Name of authority Limit in

No. (Rs)
1 Sub Post Masters of Time Scale Departmental SOs, Sub 50,000
Postmasters of Lower Selection Grade Post Offices
2 Sub Post Master/s Deputy Post masters/Post Masters of 1,00,000
Higher Selection Grade (all Non-Gazetted) SOs and HPOs
3 Senior Post Masters/ Deputy Chief Post Masters / 5,00,000
Superintendent of Pot offices/ Dy Superintendent of Post
offices ( All Gazetted Group-B HPOs and Divisions)
Chief Post Masters in GPO/ Head Offices, Senior
Superintendent of Post Offices (All Gazetted Group-A HPOs
and Divisions)
Note l:-To ascertain limit for sanction of claim the status of the Post Office/Office should be taken into
account.
Note 2: - For the purpose of determining the sanctioning authority, the limits should be:-
i. For accounts, the amount at credit at the time of death of the depositor plus the interest accrued
thereon up to the end of the financial year preceding the year in which the death occurred.
ii. For certificates, the maturity value of the certificate i.e. the face value plus the amount of interest
accrued up to the last completed year or half year, as the case may be, prior to the death of the
deceased holder.
(C) Cases presenting special features, such as lacuna in rules etc. should not be disposed of as a
matter of course and all such cases should be referred to the Directorate for orders
Note l:-The power for sanctioning claims beyond Rs. 10,000 will be exercised personally by the
officers mentioned against items (ii) to (iv) of the Table.
Note 2:-For reviving the silent account in the name of the deceased depositor, the copy of the sanction
admitting the claim will be treated as application for revival. It will be sent to the HO/GPO along with
the pass book for issuing necessary sanction for the revival'
Note 3:-When it is necessary to revive or revise a sanction for payment of deceased depositor's balance
in the Savings Account, the reviving or revising authority may permit payment of interest on the
74
balance up to the month preceding the month of revival or revision of the sanction provided it is
satisfied that the delay was entirely beyond the control of the claimant.
Note 4:-If claim belonging to Sub Post Offices, MDG/HO is beyond the sanction limit of respective
SPMs/PMs, the claim will be forwarded to the Divisional Head concerned after verifying all particulars
and respective Divisional Heads will issue sanction for such claims within limit prescribed and in case
the same is above the limit of Divisional Head, the claim will be forwarded to the concerned
sanctioning authority.
(D) The competent authority will sanction the claim without reference to the higher authority
unless the claim is of doubtful or contested nature. The competent authority must in such cases make
the necessary inquiries and record the result before forwarding it to the higher authority.
The sanctioning authority will scrutinize the claim application to see that: -
(i) The particulars of the relevant account/certificate are correctly filled in and have been
verified by the Postmaster.
(ii) The Postmaster has accepted the witnesses on the claim application.
(iii) ID Proof and address proof of the claimant(s) have been attached.
(iv) An original or attested copy of death certificate (proof of death) from the appropriate
authority accompanies the claim application and it is in order.
(v) Annexures attached to the claim application have been duly attested by authorities
mentioned therein.
(vi) A certificate about the release of pledge from the pledgee accompanies if the account is
pledged. If the pledgee claims the amount in full or in part, payment will be made to him to
the extent of his claim. Action for the settlement of the claim will arise only if the pledge is
released in full or in part.
(E) If any defect of consequence is noticed, the competent authority will address the claimant directly
to complete the documents giving him the necessary guidance. If the witnesses are accepted by
Director/CPM/Sr.PM/PM or SPM, ID and address proof of the claimant and death proof in original or
attested copy issued by the appropriate authority and annexures attached to the claim form duly
attested by the authorities mentioned therein are attached, no further verification is required to be
done.
(5) Production of death certificate : -
o Death certificate or proof of death in original from a Municipality/Local authority,

hospital or police station in the form prescribed by the authority for the grant of such
certificate/proof will be accepted.
o When death occurs at a place where none of the institutions or authorities as mentioned
above exist, a certificate/proof of death in original from a Gazetted Officer, an M'P.,
M.L.A. or Panchayat Officer or Mukhiya / Village Police Patel may be produced.
o An original certificate from the last employer or the doctor or hakim who last attended
the deceased in case where the balance does not exceed Rs. 500/- may also be
accepted.
75
o The certificate/proof of death in original issued by the Parsee panchayat and burial
certificate in original issued by the church authorities may be accepted, if such certificate
cannot be obtained from a municipality or other local authority or hospital or police
station or registered doctor.
o If a claimant is not able to hand over original death certificate/proof of death, the
Postal Authority receiving claim can accept photo copy of the same by comparing with
original. In such a case, that authority should write on the photocopy "compared with
original and found correct" under dated signatures and designation stamp.
(6) Guidelines for sanctioning authorities: -
o Section 4-A and 5 of Government Savings Promotion Act, 1873 and Rule 15(6)(i) of
GSPR-2O18 vests the sanctioning authority with full discretion to pay to whosoever
appears to them be entitled to receive the sum due to a deceased depositor under the
circumstances mentioned therein and gives the sanctioning authority immunity from a
bonafide wrong payment.
o The competent authority should satisfy himself from the two witnesses and ID along
with address proof of the claimant regarding genuineness of the claim before payment
and no further enquiries are to be made.If the witness is not physically appearing before
the post office, self attested copy of the ID/Address proofs containing the signature of
the witnesses are to be produced along with the claim application.
o In clear cases of minor claimants where natural guardians have preferred the claim,
payment will be made to them without insisting upon production of Guardianship
Certificate.
o If the pass book of the deceased depositor is not forthcoming, the circumstances of the
case should be reported to the Head of the Division for orders whether the account
may be closed without production of the pass book. lf the account is ordered to be
closed without the production of the pass book, the procedure prescribed in Rule 37(3)
of POSB (CBS) Manual should be followed mutatis mutandis.
o In case, the nominee(s) has lost the original certificate(s) or is otherwise not in
possession of it he/they may apply for issue of certificate(s) Passbook in his/their own
name after his/her claim has been admitted and sanction issued by the competent
authority. The procedure as laid down in the relevant Rules for issue of duplicate
certificate passbook will apply mutatis mutandis.
Note: - If claim is received from other post office, claim form duly sanctioned should be sent to that
post office by Service insured Post for taking acquittance from the claimant. The Post Office where
(if any) is/are received back, the payment office will close account/discharge certificates and crossed
76
acquittance portion of the claim form. In case claimant desires payment into his/her Bank account,
he/she should mention account number, IFSC Code, Bank Name along with copy of first page of
(7) Payment to minor claimants: -

 Where the claimant is a minor nominated by the depositor, payment of the sum may
be made to the person appointed in the nomination to receive it. In case there is no such
person or there is no nomination in favour of the minor claimant, payment of the balance may
be made to the guardian.
 Guardian in relation to a minor means:-
(i) Father or mother; and
(ii) Where neither parent is alive, or where the only parent is incapable of acting, a person
entitled
under the law for the time being in force to have the care of the property of the minor.
 (c) The person withdrawing the balance from the account on behalf of the minor shall
furnish a certificate that the minor is alive and that the money is required on behalf of the
minor.
Note l:-As per definition of the guardian in the Section 3(h) of Government Savings Promotion Act
I873, guardian in relation to a minor or a person of unsound mind means father or mother. In view of
this, the mother of a Muslim minor can be treated as a guardian for the purpose of settling the claims
of deceased depositor where the interest of Muslim minor is involved. As the mother has been made
the guardian of the minor irrespective of the fact whether the heir of the depositor is a Hindu or
Muslim, such a payment to the mother would be a valid discharge within the meaning of Section 5 of
the Government Savings Promotion Act, 1873.
Note 2:-The payment to a minor directly and not though a guardian will not be a valid discharge
under Section 5 of the said Act.
(8) Claims of holders not heard for 7 years:-

For the purpose of this Rule the holders who have not been heard of for more than 7 years
will be treated as dead and the claims in respect of their holdings settled in accordance with the
foregoing sub- rules of the Rule, provided the disappearance of the holder of the account/certificate
has been established and the claimant is prepared to indemnify the Government against any adverse
claim.
77
(9) Settlement of claims where the claimants or near relatives are residing abroad :-
Where the claimant or a near relative named in the claim resides in a foreign country, the procedure as
applicable to other claims is to be followed except that the claim from a person residing in a foreign
country, letter of disclaimer from a person residing in a foreign country, death certificate issued in a
foreign country and the power of attorney executed in a foreign country, if any, should have the
authentication by the Indian Consular Office in that country, if reciprocal arrangements under Section
14 of the Notaries Act, 1952 and HAGUE APOSTITLECONVENTION do not exist between India and
that country. Authentication means that the authenticating official has assured himself of the person
who has signed the instrument, as well as the fact of execution. In case India has no consular relations
with the country and no other foreign nation has been entrusted with the task of looking after the
interest of India or of the people of Indian origin there, the authentication should be done by a
Magistrate of that country. Submission of above documents along with claim application duly
authenticated by the Indian Consular office is the duty of the claimant.
Reciprocal arrangements under Section l4 of Notaries Act, 1952 exist between India and the United
Kingdom, Hungary, Ireland, Belgium and New Zealand only and reciprocal arrangement under
HAGUE APOSTITLE CONVENTTON exists with following countries: -
Albania Argentina Australia Austria Belarus Belgium
Bosnia Rica Bulgaria China Costa Croatia Cyprus
Czech Denmark Ecuador Finland France Georgia
Republic
Greece Hungary Iceland India Israel Italy
Japan Korea Latvia Lithuania Luxembourg Malta
Mauritius Mexico Montenegro Netherland New Norway
Zealand
Panama Peru Poland Portugal Romania Russian
Federation
Serbia Slovakia Slovenia South Africa Spain Suriname
Sweden Switzerland The former USA Venezuela
Yugoslav
Republic of
Macedonia
(iii) The documents such as death certificate, power of attorney etc. executed before a notary, solicitor,
agency or any other person or authority competent under the law of the State of origin of the above
countries need no authentication from the Indian Consular office in that country. When duly signed
and stamped document from any of the above countries is submitted, no further verification is
required. Payment of the claim to a claimant residing in a foreign country will be made to the holder
of a power of attorney in India. No direct remittance will be made to the claimant in the foreign
country. The sanctioning authority should compare the original document with the self-attested
photocopy and record under dated signature with stamp "compared with original". There is no need
for verification of either death certificate or power of attorney issued by the above noted countries.
78
(10) Payment of claim: -
(i) The admissibility of interest on deceased claim on various National/Small Savings Schemes and
admissibility of continuation of account by nominee(s)/claimant is prescribed in relevant
National/Small Savings Schemes rules. A gist of eligibility of interest/continuation in various schemes is
placed below for reference. However relevant rules to be referred which may be changed from time to
time.
Sl No. Scheme Options with Nominee(s)/ Legal heir(s) Interest of Payment

1 SB Close the account Up to preceding month of
closure.
2 RD 1. can close account and take 1.if continued till
payment immediately. maturity/extended
2. can request for transfer of maturity, full maturity value.
account in his/her name by 2. if closed before
submitting claim application and maturity/extended
continue till maturity. maturity, the amount
applicable as
prescribed in relevant table of
Rule 12 of INSRD Rules 2019.
3 TD 1. Can close account and take 1.TD rate of interest for
payment immediately. completed
2. can request for transfer of years (Not beyond the type of
account in his/her name by TD years)
submitting claim application and 2. POSA rate of interest for
continue till maturity. completed month(s).
4 MIS Can close the account any time. Interest up lo the preceding
month
Lin which refund is made.
5 SCSS 1. If Spouse is sole nominee and meets 1.SCSS interest rate will be paid
eligibility criteria for up to the date of death of the
opening of SCSS account, he/she can depositor.
get account transferred in his/her name 2. After date of death to
and continue account till maturity preceding date of payment,
provided he/she does not have POSA interest rate will be
another SCSS account. applicable.
2. can close account and take
payment immediately.
6 PPF Close the account any time PPF interest applicable up to
the preceding month of
payment made
7 SSA Close the account any time 1.SSA interest rate will be paid
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up to
e date of death of the
depositor
2. After date of death to
preceding date of payment
POSA interest rate will be
applicable
8 KVP 1, can close account/ certificate 1. If continued till maturity, full
and take payment immediately maturity value
2. Can request for transfer of account / 2. If pre maturely closed
in his/ her name by submitting claim before 2 and half years POSA
application and continue till maturity interest rate is applicable for
completed months
3. After 2 and half years but
before the maturity, the
interest applicable as per
relevant table in Rule 6 of KVP
Rules 2019
9 NSC 1.Can close account/certificate and take 1. If continued till maturity, full
payment immediately maturity value
2. Can request for transfer of account / 2. If prematurely closed before
certificate in his /her name by 1 year no interest will be
submitting claim application and payable
continue till maturity 3. If pre maturely closed after
1year but before 3 years, POSA
interest rate is applicable for
completed months.
4. Above 3 years but before
the maturity the interest as
applicable in relevant Table of
Rule 7 (4) of NSC Rules 2019
( ii) The claimant will present the sanction in original along with the pass book. Necessary action will
be taken as for the closure of savings account.
(iii) All payments of the deceased claim cases should invariably be made by cheque or credit into
savings account of the claimant. Payment through cheque will be made by means of a crossed cheque
only.
Note: - The sub offices which are not authorized to issue cheque will obtain cheque for the required
amount from the HO/GPO.
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(11) Transfer of account to the name of claimant: -
After sanction of the claim, if the RD/TD/SCSS account/certificate(s) is/are desired to be
continued or retained by the claimant till maturity, he/she must furnish an application in new AOF and
if the account stands at Branch Post Office, complete specimen signature slips. If claimant is not having
any CIF in any CBS Post Office, new CIF has to be created by following the procedure laid down in
relevant rules. The account will then be transferred in the name of the legal heir by changing CIF in
CBS Application.
(12) Entry of request for settlement of claim in register and grant of acknowledgement
Whenever a request from the depositor for sanction of claim is presented at any post office, his request
should be entered in the register to be maintained in manuscript and an acknowledgment in the format
given below should be issued to the depositor against his request: -
ACKNOWLEDGMENT OF CUSTOMER REQUEST
,................................. .SO/HO/GPO (Name of post office where request received)
Date of receipt of request ............................................ .
Time of receipt of request.....................................
Name of depositor....,..............................
Account/Certificate(s) no .,..................................
Name of scheme .........(SB/RD/TD/MIS/PPF/NSS/SCSS/SSA/Certificates)
Request No; - ............,................... ( Sl. No. of register)
Date Stamp of PO
Signature of Postmaster
(13) Maintenance of Register of Deceased claim cases: -

As soon as Claim Form along with required documents is received in the post office where the
account stands, entry should be made in the register of deceased claim cases format of which is given
below. In order to keep a watch on the expeditious disposal of claim cases, this register should be
maintained by all the sanctioning authorities (including the circle office). The register will be examined
every month by the Head of the Office or Section to see that no case is being unduly delayed and such
action as may expedite, is taken immediately. AII deceased claim cases irrespective of the nomination
registered or not, should be sanctioned/disposed off within 7 working days of the receipt of the same
in any post office or administrative office. All inspecting officers while visiting/inspecting any post
office or administrative office should examine this register to see that no case is delayed beyond 7
working days and if any such case is noticed, separate report should be sent to higher authority,
SPECIMEN OF FORM
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Performa for the Register of Deceased claim cases.
Sl Cas Date Name Name Dat Particu Balanc Date on Date Date of Rema
. e of and of e of las of e at which of paymen rks
N ma recei address deceas dea Saving Credit Claim receip t/Particu If any
o rk pt of ed th s Bank in the Form t of lars of
of claiman depos Accou accou sent to sancti cheque
Clai t with itor nt nt higher on issued.
m particul authority along
For ars of for with
m relation sanction partic
ship to ulars
the
deposit
or
1 2 3 4 5 6 7 8 9 10 11 12
(14) Procedure to be followed by Branch Post Offices: -

The GDS branch postmaster will in all cases submit the claim to the Account Office. He will
accept two witnesses and make entry in BO SB/RD/TD Journal against DLT and Specimen Signature
Book that depositor died on...................... BPM should not allow any transaction in the relevant
account. The Account Office will take necessary steps to settle the claim and issue the sanction order
either itself or though the competent authority. The branch postmaster will be guided by the
instructions received from the Account Office.
(15) Reconciliation certificate: -
If there is a difference in the name of the deceased depositor, the claimant will apply to the
concerned Head of the Postal Division /Head of the GPO/Gazetted HO for issue of reconciliation
certificate by giving an application in manuscript declaring the facts supported by documentary
evidence(s) if any and two witnesses with their lD and Address proof. Head of the Postal Division
/Head of the GPO/Gazetted HO, after satisfying himself through the documentary evidence(s)
submitted or after conducting any inquiry, which he deems necessary, shall issue Reconciliation
Certificate in the following format.
If there is a difference in the name of the deceased depositor, a reconciliation certificate in the
following form may be obtained from the claimant with the claim application form.
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SPECIMEN OF FORM
Reconciliation certificate in case of a difference in name of deceased depositor/investor
Certified that the real name of the deceased depositor/investor of POSB Account/ Savings certificate
Number ………………………… dated …………………….. was………………………… He/she also
used to be called by................. ..................(name). The name as mentioned in POSB Account/Savings
Certificate and in the Death Certificate, is that of one and the same person viz., the deceased
depositor/investor.
Date /Place
Signature
Name (in block letters)
Designation stamp ..........
Claimant will attach the above Reconciliation Certificate with the claim application Form.
(16) Claim arising on depositor become insane or otherwise incapable of managing his own
affairs:-
When an application is made for withdrawal on behalf of a depositor, who has become
insane or incapable of managing his own affairs, the applicant should be required to produce any
authority he may possess as guardian of the depositor or manager of the estate. If any such authority
is produced, an enquiry should be made and a report sent to the Head of the Circle. In either case,
order from the Head of the Circle should be awaited by the Postmaster. On receipt of the order
from the Head of the Circle, a suitable remark should be made in the system. In case the account
stands at a sub or branch office, a copy of the order of the Head of the Circle should also be sent by
the Head Office for a suitable note to be kept by the office where the account stands open.
Note: - In case where authority has been obtained from a competent Court of Law, the Head
Postmaster will be competent to decide the case.
(17) Claims of holders not heard for 7 years:
Such accounts are to be settled as per provisions of Section 107/108 of the Indian Evidence Act.
The nominee/legal heir of a missing depositors has to raise an express presumption of death of the
depositor under Section 107/108 of the Evidence Act before competent court. If the court presumes
that he/she is dead, then the nominee/legal heir will be entitled for settlement of outstanding amount
of the relevant account of the missing depositor in his/her favour.
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SANCTION MEMO
(For Administrative Offices)
From
No…………………………………………………………………………. Dated............................
To,
………………………………….
…………………………………
Dear Sir/Madam, Sanction of the undersigned is hereby accorded to the payment to you of the
amount dueIn the account/ Certificate(s)
………………………………………………………………….detailed standing at
……………………...................... ……………………….. (Name of Post Office) in the name of
……………………………who is reported to have died on...................................................
2. The amount due will be paid to you on your presenting the original Pass book/Deposit Receipt or
Savings Certificate(s) for payment at the ..................................... Post office on surrendering the
original sanction order
3In case of RD and TD type of account and in case of savings certificates, you are , however , at liberty
not to accept payment of the amount due before the date of maturity entered therein, in which case
the account/ savings certificate(s) in question shall be transferred to your name subject to the
conditions laid down in the Rules governing the relevant savings scheme.
4. The sanction is valid for accepting payment or for getting the certificate(s) transferred in your
name for a period of one year only from the date of its issue.
Yours faithfully,
Sanctioning Authority
* If number of certificates issued through single application are large in numbers, details of the Savings
Certificates should be mentioned here
Certificate Number Denomination date of Issue
Copy to :-
1. The Postmaster/SPM..........................................................Post Office for information
5. Protected Savings Scheme: -
Conditions:
1. Themaximum amount is limited to maturity value of Denomination of Rs. 100/-.

2. Age of Depositor not below 18 years and not above 55 years on the date of opening.
3. First 24 instalments deposited before Death.
4. No defaults in the first 24 months
5. No loan made during first 24 months.
6. Account not discontinued as on date of death.
7. The death should be after two years from date ofopening of the account.
8. Claim should be preferred within one year from the date of death.
9. HO is the sanctioning authority for all PSS claims
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If the account holder has more than one account
1 If more than one account exists To the account specified by the
Depositor
2 If no account is specified The earliest qualifying account will be

(item No.1) considered
3 If nominees are different To the nominee of first eligible account
1 If any defaulted instalments after Defaulted installments + Interest on

24 months Default deducted from the Maturity
Value
2 If any advance deposit paid for the Such advance installments repaid along
period after death with maturity value
3 The benefits can be given to more Up to maturity

than one account value of denomination Rs.100
Denomination exceeds Rs 100/- for one or more accounts

1 If the Deposit + Proportionate No benefit admissible
Interest exceeds maturity value of
Rs.100/-
2 If the Deposit + Proportionate Maturity value equal to 100
Interest is less than maturity value of
Rs.100/-
Note: PSS Maturity Value or Claim Amount whichever is benefit to the Claimant is payable
6. INTERNET BANKING
Standard Operating Procedure
Department of Posts has introduced internet Banking facility for Post Office Savings Bank customers
for CBS migrated Post Offices.
Eligibility Criteria for availing internet Banking
1. Customer should have Savings Bank account in CBS Office
2. Either Single or. Joint "B" account are eligible
3. Joint “A”, Minor, Lunatic, illiterate and BO accounts are not allowed for availing internet
banking
Pre- Requisites
o Customer should provide a valid Email lD.
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o Customer should provide e valid PAN number
o Customer should provide a valid mobile number
o CIF lD should be updated with correct First name, Last name, DOB, Father/s Name, Gender,
valid identity and address proof, Correct present address, Mobile number, PAN Number and
Mother's Maiden Name.
Procedure to be adopted by the CBS PO for enabling the net banking.
1. KYC should be updated in case of pre CBS accounts after collecting the required documents.
2. The account holder has to give the application in ATM Card/ Internet/ Mobile/ SMS banking
service request form.
3. The application should be accepted in the home branch only.
4. The counter PA has to verify the signature and photograph through IES Menu in finacle.
5. Mobile number should be unique and the same mobile number should not be used for any
other CIF.
6. Through CMRC menu counter PA should enable internet banking after ensuring the eligibility
criteria and pre- requisite conditions are full filled. Supervisor has to verify it.
7. After 24 hours, the account holder will get a link for activating internet banking to the
registered mobile number.
8. The CIF id will be the default User ID
9. The account holder has to set the Login pass word and Transaction pass word.
10. The account holder can visit the home branch and deactivate this facility.
11. The customer can open RD and TD accounts through internet banking.
12. The customer should visit the home branch and collect the print out of the pass book.
13. If the account standing at RICT-BO, the BPM has to collect the required application and other
documents and forward to account office along with passbook for availing the facility.
Facilities offeredin DOP Internet Banking

Sl No Scheme Functionality
1 SB  Account Balance and details, Mini statement, Transaction
history
 Fund transfer from POSB to POSB own account and other’s
 Fund transfer from POSB to other savings schemes RD, RD Loan
account, PPF, PPF Loan account and SSA merged with the
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same CIF
 View nominee details
 Stop payment of cheques, view status of used / un used cheque
leaves.
 NEFT/RTGS remittance to accounts in other banks
 PLI/ RPLI Renewal Premium Payment
RD  Account Balance Inquiry, RD account and Loan account, Mini
statement, Transaction history
 Deposit of monthly instalments and loan repayment of own account
 Opening of account and maturity/ pre-maturity closure of
account
TD  Account Balance and details, Transaction history
 Opening of account and maturity/ pre-maturity closure of
account
MIS  Account Balance and details, View Principal and interest credit
details
SCSS  Account Balance and details, View Principal and interest credit
details
PPF  Opening and closure of PPF account
 Account Balance and details of PPF account and Loan account
 Transaction history of PPF account and Loan account
 Mini statement
 Deposit in active PPF account, Repayment in PPF loan account
 Withdrawal from PPF account
NSC/KV  Account Balance and details, Transaction history
P  Opening / closing of NSC/KVP accounts
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7. Mobile banking
Standard Operating Procedure
Department of Posts launched Mobile Banking facility for post office savings Account customers of CBS
Post Offices on 15.10.2019.
Eligibility Criteria for availing iMobile Banking

1. Customer should have Savings Bank account in CBS Office
2. Customer should have a valid login and transaction credentials of internet banking
3. Either Single or. Joint "B" account are eligible
4. Joint “A”, Minor, Lunatic, illiterate and BO accounts are not allowed for availing internet
banking
Pre- Requisites
o Customer should provide a valid Email lD, PAN Number and mobile number.
o CIF lD should be updated with correct First name, Last name, DOB, Father/s Name, Gender,
valid identity and address proof, Correct present address, Mobile number, PAN Number and
Mother's Maiden Name.
Procedure to be adopted by the CBS PO for enabling the mobile banking.
1. This facility is eligible tothe customers already having net banking
2. The account holder has to give the application in ATM Card/ Internet/ Mobile/ SMS banking
service request form.
3. The application should be accepted in the home branch only.
4. The counter PA has to verify the signature and photograph through IES Menu in finacle.
5. Mobile number should be unique and the same mobile number should not be used for any
other CIF.
6. Through CMRC menu counter PA should enable mobile banking after ensuring the eligibility
criteria and pre- requisite conditions are full filled. Supervisor has to verify it.
7. Customer can activate the mobile banking after 24 hours by down loading india post mobile
app through google play store. Self-explanatory steps will guide the customer while performing
the activation process.
8. The CIF id will be the default user ID.
9. The account holder can visit the home branch and deactivate the mobile banking facility.
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10. The customer can open RD and TD accounts through mobile banking.
11. The customer should visit the home branch and collect the print out of the pass book.
12. For any complaint regarding the mobile banking, the customer has to either dial toll free
number 1800 – 425 – 2440 or send an e-mail to dopebanking@indiapost.gov.in.
13. If the customer complaints at any CBS post office, it may be accepted and forwarded to this e-
mail id
Features of DOP Mobile Banking

Sl No Functionality Details
1 Account Balance & SB, RD, TD, PPF, NSC,KVP, RD/PPF Loan account
details
2 Transaction history SB, RD, TD, PPF, NSC , KVP,PPF/RD Loan account
3 Mini Statement SB and PPF
4 Transactions Fund transfer from POSB to POSB own account
and other’s
5 Fund transfer from POSB to own RD account and
RD Loan account merged to the same CIF
6 Fund transfer from POSB to own PPF account and
PPF Loan account merged to the same CIF
7 NEFT/RTGS remittance to accounts in other banks
PLI/RPLI Renewal Premium credit
8 Service Requests Requesting for RD Account open
9 Requesting for TD Account open
10 NSC/KVP account open
11 Requesting for stoppage of cheque payment
8, NEFT and RTGS transactions in Post office savings accounts
Introduction
NEFT- National Electronic Fund Transfer is RBI operated interbank payment system. Under this
scheme individuals can electronically transfer funds from any bank branch or channels to any other
individual having an account with any other bank branch in the country participating in the scheme.
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NEFT transactions are automated through Straight Through Processing (STP) modes by banks. NEFT
transactions are24*7*365 payment system. Transactions are settled between banks in every half an
hour batch by RBI. DoP participating in this scheme through sponsor bank IPPB. DoP CBS is integrated
with IPPB MQ server for NEFT message transmission.
RTGS– Real Time Gross Settlement is defined as the continuous and real time settlement of
fund transfers, individually on a transaction without netting or grouping. Real Time means the
processing of instructions at the time they are received. Gross Settlement means the settlement of fund
transfer instructions occurs individually. RTGS transactions are available 24*7*365.
Introduction
 National Electronic Fund Transfer (NEFT) is one of the payment products operated by RBI.
 The Beneficiary gets the funds on the same day or the next day.
 Post Office customers can send money to Post Office accounts from other bank through their
internet banking. This will make investment in POSB schemes easier. At present, NEFT Inward
Remittance is allowed only to Post Office Savings Account. However, this facility will be extended
toPPF and SSA accounts shortly. Similarly, during closure of Accounts except SB, the funds can be
credited to customer’s POSB account and further outward NEFT can be initiated through Post
Office/Internet Banking / Mobile banking for desired Beneficiary bank accounts and drawing of cheque
can be avoided.
 IFSC (Indian Financial System Code) is an eleven-character alphanumeric code that is used to identify
the particular branch of a participating bank and is used in remittances namely NEFT & RTGS. For
POSB customers there will be only one IFSC for all branches/POs.
IFSC for POSB customer is IPOS0000DOP.
Post offices should affix DoPs IFSC in all the Savings, PPF and SSA passbooks .
 UTR number for NEFT is 16-digit Unique Transaction Reference number.
 NEFT services are available across counters during regular business hours of the PO.
 In addition, customers who are already registered users of India Post eBanking and mBanking services
can also initiate outward NEFT transaction through those channels. The unregistered POSB customers
can also avail NEFT facility after due registration.
Charges and Limits
Service charges for customer initiated NEFT outward transactions across counter are:
1 For transactions up to ₹ 10,000 ₹ 2.50 + Applicable GST
2 For transactions above ₹ 10,000 up to ₹ 1 lakh ₹ 5 + Applicable GST
3 For transactions above ₹ 1 lakh and up to ₹ 2 lakhs ₹ 15 + Applicable GST
4 For transactions above ₹ 2 lakhs and not exceeding ₹ 25 + Applicable GST
themaximum limit
Conditions
 However, no charges are levied for outward NEFT transactions initiated through eBanking &
mobile Banking channels.
Minimum & Maximum amount per transaction for NEFT Remittance across the counter is Rs.1/- and
Rs.15,00,000/- respectively.
The limit per transaction is Rs 2,00,000/- for outward NEFT through Net Banking & mobile Banking
channels. The maximum number of transactions permitted per day are five. Daily Transaction limit for
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outward NEFT initiated through Net Banking & mobile Banking services is Rs.10,00,000/-.
There is a time variable transaction capping for Net Banking & m-Banking to mitigate fraud risk.
Hence maximum transaction limit for outward NEFT initiated through Net Banking/m-Banking from
8 PM to 8 AM is Rs.2,00,000/-.
 The charges and limits are subjected to revision.
Nodal Office for NEFT
Name : Payment Channels Division
Email ID : postatm@indiapost.gov.in
Post Offices and circles can contact Nodal Office, Bengaluru for any operational support and critical
issues. (email id - postatm@indiapost.gov.in)
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CHAPTER-V
Other Financial Services
1. Electronic Clearance Service (ECS)
Under this scheme, the payments of interest/salary/pension/commission/dividends/refund by

bank etc. can be transferred from a single user source to other destinations like
Banks/companies/Government department. The scheme is in operation at 15 centers where Reserve
Bank of India manages Clearing Houses and in 19centers where SBI is managing ECS on behalf of RBI
and 29 other centers where Punjab National Bank and other banks are managing ECS on behalf of
RBI.
Under ECS the depositors are getting the facility of automatic transfer of monthly interest on
due dates into their accounts at the designated banks
Location where RBI is managing ECS:
1. Ahmadabad 6. Chennai 11.Mumbai (Mah)

2 .Bangalore 7.Guwahati 12.Nagpur (Mah)
3. Bhubaneswar 8. Hyderabad (AP) 13. New Delhi
4. Kolkata (West Bengal) 9. Jaipur (Rajasthan) 14.Patna (Bihar)
5. Chandigarh 10. Kanpur (UP) 15.Tiruvanthapuram
Locations where SBI is managing ECS:
1. Shimla (HP) 2. Nasik (Maharashtra) 3. Panaji (Goa)

4. Calicut (Kerala) 5. Trissur (Kerala) 6. Jabalpur (MP)
7. Jodhpur (Rajasthan ) 8. Pondicherry (TN) 9. Tiruchirapalli(TN)
10. Durgapur (WB) 11. Hubli (Karnataka) 12.Dehradun(Uttaranchal)
13. Siliguri (WB) 14. Burdwan (WB) 15. Baroda (Gujarat)
16. Surat (Gujarat) 17.Sholapur(Maharashtra) 18. Gwalior (MP)
19. Tirupur (TN)
2. National Pension System
 Introduced from 1.1.2004 for all new employees of Central Government/State Government
except armed forces. Extended to all citizens from 1st May 2009
 Regulated by PFRDA
 The scheme is operated through organizations which are designated as Points of Presence
(POP)
 POP operates through POP_SP (POP Service Provider)
 PFRDA has appointed the DoP as POP to operate the scheme through identified Post
Offices (POP_SP).
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 The scheme is operated by the National Securities & Depository Ltd (NSDL) through Central
Recordkeeping Agency.
 NPS Nodal office of DOP is CEPT Mysuru
 Nodal Bank - Axis bank
 Voluntary for citizens of India /NRI Aged between 18-70 years
Types of Accounts:
Tier I Pension account
 Where the subscriber contributes to build Retirement Corpus
 Withdrawal options are limited
 The minimum amount that needs to be invested per contribution is Rs 500.
 A minimum of one contribution need to be made per year,
 A minimum of Rs.1000 needs to be invested per year.
 There are no upper limits on the amount of money that can be invested as well as the number
of contributions that can be made.
 The investments can be made through cash, local cheque or a demand draft.
 Contribution accepted at POP- SP
 A Default fee Rs 100/- per financial year is charged for breach of any of the terms & conditions
with respect to contributions.
Tier II Investment account

 A voluntary savings facility.
 Withdrawals can be made at any time without exit.
 Minimum initial contribution at the time of opening an account is Rs. 500/-
 Minimum amount per contribution is Rs. 250
 Withdrawal permitted at any time
 Net asset value added to the fund
 PRAN (Permanent Retirement Account Number) is mandatory for opening
 Subscriber must have Bank account with cheque facility.
Same PRAN number utilized for both the accounts

Subscribers should: -
 Submit Registration Form (UOS-S1) to the POP_SP
 Existing Tier-I account holders can only activate tier-II
 It is open for any resident Indian, NRI can’t activate Tier II account.
Once the form is submitted and the processing is done, the customer will be given a permanent
retirement account Number (PRAN) by the CRA. One citizen can possess one PRAN only.
Partial Withdrawal:
 Partial withdrawal allowed with following conditions: -
 Should be subscriber of NPS for at least 3 years
 Amount to be withdrawn limited to 25% of the subscriber contribution
 Maximum of 3 withdrawals with a gap of 5 years between two consecutive withdrawals
 Allowed for specific reasons
 Higher Education / Marriage for children
 Treatment for illness
 Purchase / Construction of House / Flat
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Transaction Process in the PO
The transactions are done as e-Payment transactions. Hence this service will be limited to e-
Payment offices. The following types of transactions can be done in a Post Office.
 Registration of subscriber
 Acceptance of initial contribution
 Subsequent contribution
 Switch request for Tier-I and Tier-II
 Withdrawal request
 Printing Account Statement
 Re issue of I-PIN/T-PIN/PRAN card
 Service requests e) Grievance handling
Service charge:
 Registration: Rs.100+GST
 Contribution: 0.25% on contribution amount subject to minimum of
Rs.20/& maximum of Rs.25000/ +applicable GST
 Service request not involving contribution: Rs.20 +GST @18% = Rs
24/-
Grievance Handling
Receiving of grievances against any PO or any other NPS intermediary in the format prescribed
and forward them to Nodal PO for uploading in Central Grievance Management System(CGMS) . The
grievance shall be resolved within 7 days
Tax Benefits:
Contribution to NPS is allowed a tax deduction under 80-C of IT Act up to a maximum of Rs 1.5
lac.Additionally a deduction of Rs 50000/- also allowed for contribution to NPS under 80 CCD (1B)
over and above the limit of section 80-C
3. Atal Pension Yojana
The Atal Pension Yojana(APY) is focused on all citizens in the unorganized sector, and
administered by the Pension Fund Regulatory and Development Authority (PFRDA). Under the APY,
the subscribers will receive the fixed minimum pension of Rs. 1000 per month, Rs. 2000 per month,
Rs. 3000 per month, Rs. 4000 per month, Rs. 5000 per month at the age of 60 years, depending on
their contributions. The contribution is based on the age of joining the APY and the pension amount
choose by the subscriber. The benefit of fixed pension is guaranteed by Government of India.
Eligibility for APY

Atal Pension Yojana (APY) is open to all savings bank account holders. Income tax payers are
not eligible to open APY from 1st October 2022 onwards.
Age of joining and contribution period

The minimum age of joining is 18 years and maximum age is 40 years. The age of exit and start
of pension will be 60 years.
Enrolment and Subscriber Payment

All Savings bank account holders under the eligible category may join APY with auto debit
facility to accounts, leading to reduction in contribution and collection charges. The subscribers should
keep the required balance in their savings bank accounts on the stipulated due dates to avoid any late
payment penalty. Due dates for monthly contribution payment is arrived based on the deposit of first
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contribution amount. In case of repeated defaults for specified period, the account is liable for closure
and the GoI co-contributions, if any, shall be forfeited. Also any false declaration about his/her
eligibility for benefits under this scheme for whatsoever reason, the entire government contribution
shall be forfeited along with the penal interest. For enrolment, Aadhaar is the primary KYC document
for identification of beneficiaries, spouse and nominees to avoid pension rights and entitlement related
disputes in the long-term. The subscribers are required to opt for a monthly pension from Rs. 1000 to
Rs.5000 and ensure payment of stipulated monthly contribution regularly. The subscribers can opt to
decrease or increase pension amount during the course of accumulation phase, as per the available
monthly pension amounts.
However, the switching option shall be provided once in year during the month of April. Each
subscriber will be provided with an acknowledgement slip after joining APY which would invariably
record the guaranteed pension amount, due date of contribution payment, PRAN etc.
4. Pradhan mantri jeevan jyoti bima yojana
The scheme will be of one year coverage of insurance, renewable from year to year, Insurance
Scheme offering life insurance cover for death due to any reason. The scheme is offered / administered
through LIC.
Scope of coverage: All savings bank account holders in the age 18 to 50 years in participating banks
will be entitled to join. In case of multiple saving bank accounts held by an individual in one or
different banks, the person will be eligible to join the scheme through one savings bank account only.
Aadhar is the primary KYC for the bank account.
Enrolment Modality: The cover shall be for the one year period stretching from 1st June to 31st May
for which option to join / pay by auto-debit from the designated savings bank account on the
prescribed forms will be required to be given by 31st May of every year, with the exception as above
for the initial year. Delayed enrolment with payment of full annual premium for prospective cover
may be possible with submission of a self-certificate of good health.
Individuals who exit the scheme at any point may re-join the scheme in future years by submitting a
declaration of good health in the prescribed proforma. In future years, new entrants into the eligible
category or currently eligible individuals who did not join earlier or discontinued their subscription
shall be able to join while the scheme is continuing, subject to submission of self-certificate of good
health.
Benefits: Rs.2 lakhs is payable on member’s death due to any reason.
Premium: Rs.436/- per annum per member. The premium will be deducted from the account holder’s
savings bank account through ‘auto debit’ facility in one instalment, as per the option given, on or
before 31st May of each annual coverage period under the scheme. Delayed enrolment for prospective
cover after 31st May will be possible with full payment of annual premium and submission of a self-
certificate of good health. The premium would be reviewed based on annual claims experience.
However, barring unforeseen adverse outcomes of extreme nature, efforts would be made to ensure
that there is no upward revision of premium in the first three years.
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5. Pradhan mantri suraksha bima yojana:
The scheme will be a one-year cover, renewable from year to year, Accident Insurance Scheme
offering accidental death and disability cover for death or disability on account of an accident. The
scheme would be offered / administered through Public Sector General Insurance Companies (PSGICs)
and other General Insurance companies willing to offer the product on similar terms with necessary
approvals and tie up with Banks for this purpose. Participating banks will be free to engage any such
insurance company for implementing the scheme for their subscribers.
Scope of coverage: All savings bank account holders in the age 18 to 70 years in participating banks
will be entitled to join. In case of multiple saving bank accounts held by an individual in one or
different banks, the person would be eligible to join the scheme through one savings bank account
only. Aadhar would be the primary KYC for the bank account.
Enrolment Modality / Period: The cover shall be for the one year period stretching from 1st June to
31st May for which option to join / pay by auto-debit from the designated savings bank account on
the prescribed forms will be required to be given by 31st May of every year, extendable up to 31st
August. Joining subsequently on payment of full annual premium may be possible on specified terms.
However, applicants may give an indefinite / longer option for enrolment / auto-debit, subject to
continuation of the scheme with terms as may be revised on the basis of past experience. Individuals
who exit the scheme at any point may re-join the scheme in future years through this modality. New
entrants into the eligible category from year to year or currently eligible individuals who did not join
earlier shall be able to join in future years while the scheme is continuing
Benefits: As per the following table:

Table of Benefits Sum Insured
a Death Rs. 2 Lakh
b Total and irrecoverable loss of both eyes or loss of use of Rs. 2 Lakh
both hands or feet or loss of sight of one eye and loss of
use of hand or foot
c Total and irrecoverable loss of sight of one eye or loss of Rs. 1 Lakh
use of one hand or foot
Premium:
The premium of Rs 20/- will be deducted from the account holder’s savings bank account
through ‘auto debit’ facility in one instalment on or before 1st June of each annual coverage period
under the scheme. However, in cases where auto debit takes place after 1st June, the cover shall
commence from the first day of the month following the auto debit.
Eligibility Conditions:
The savings bank account holders of the participating banks aged between 18 years (completed)
and 70 years (age nearer birthday) who give their consent to join / enable auto-debit, as per the above
modality, will be enrolled into the scheme. In case of Joint Account holders, both the Account holders
are eligible to join on payment of premium for each account holders.
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Master Policy Holder:
DOP/Participating Bank will be the Master policy holder on behalf of the participating
subscribers. A simple and subscriber friendly administration & claim settlement process shall be finalized
by the respective general insurance company in consultation with the participating Banks.
Termination of cover:
The accident cover for the member shall terminate on any of the following events and no
benefit will be payable there under:
o On attaining age 70 years (age nearest birth day).
o At the time of renewal, closure of account with the Bank or insufficiency of balance to
keep the insurance in force.
o In case a member is covered through more than one account and premium is received
by the Insurance Company inadvertently, insurance cover will be restricted to one only
and the premium shall be liable to be forfeited.
o If the insurance cover is ceased due to any technical reasons such as insufficient balance
on due date or due to any administrative issues, the same can be reinstated on receipt
of full annual premium, subject to conditions that may be laid down. During this
period, the risk cover will be suspended and reinstatement of risk cover will be at the
sole discretion of Insurance Company.
o Participating banks will deduct the premium amount in the same month when the auto
debit option is given, preferably in May of every year, and remit the amount due to the
Insurance Company in that month itself.
Administration: The scheme, subject to the above, will be administered as per the standard procedure
stipulated by the Insurance Company. The data flow process and data proforma will be provided
separately. It will be the responsibility of the participating bank to recover the appropriate annual
premium from the account holders within the prescribed period through ‘auto-debit’ process.
Enrolment form / Auto-debit authorization in the prescribed proforma shall be obtained and retained
by the participating bank. In case of claim, the Insurance Company may seek submission of the same.
Insurance Company reserves the right to call for these documents at any point of time. The experience
of the scheme will be monitored on yearly basis for re-calibration etc., as may be necessary.
Appropriation of Premium:
1) Insurance Premium to Insurance Company: Rs.10/- per annum per member 2) Reimbursement of
Expenses to BC/Micro/Corporate/Agent : Rs.1/- per annum per member 3) Reimbursement of
Administrative expenses to participating Bank: Rs.1/- per annum per member The proposed date of
commencement of the scheme will be 1st June 2015.The next Annual renewal date shall be each
successive 1 st of June in subsequent years. The scheme is liable to be discontinued prior to
commencement of a new future renewal date if circumstances so require
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CHAPTER – VI
Part I - Postal Life Insurance
1Introduction
Postal Life Insurance was started in the year 1884. The scheme initially had a limited offer as a
welfare measure to Post and Telegraph employees and then extended to the employees of various
departments of Central and State Governments.
All employees of Central/State Governments, Defence Services, Para Military Forces,

GraminDakSevaks, Government Aided Educational Institutions, RBI, Nationalized Banks, all Public
Sector Undertakings of both Central and State Governments and Autonomous Bodies like BIS, CSIR etc.
are eligible to avail PLI. W.e.f 29.10.2012 the scheme is further extended to employees
engaged/appointed on contract basis by Central/State Governments, employees of joint ventures in
which Central/State Governments/Public Sector Undertakings/Nationalized banks have minimum
holding of 10% and Members/Employees of Credit Co-Operative Societies and other Co-Operative
Societies registered with Government under the Co-Operative Acts and partly funded from
Central/State governments/RBI/SBI/Nationalized Banks/NABARD and other such institutions notified
by the Government.
From 18.10.2017 onwards, it has been decided by the Directorate of Postal Life Insurance to
extend clientele base of Postal Life Insurance to cover following segments in addition.
(1).Employees (teaching/non- teaching staff) of all private educational institutions/schools/colleges etc.
affiliated to recognized Boards (recognized by Centre / State Governments) of Secondary/ Senior
secondary Education i.e CBSE, ICSE, State Boards, Open Schools etc.
(2).Professionals such as Doctors (including Doctors pursuing Post Graduate degree courses through any
Govt / Private Hospitals, Residents Doctors employed on contract / permanent basis in any
Govt/Private Hospitals etc), Engineers (including Engineers pursuing Master`s / Post Graduate degree
after having passed GATE entrance test), Management Consultants, CharteredAccountants (registered
with Institute of Chartered Accountants of India), Architects, Lawyers (registered with Bar Council of
India/ States), Bankers (working in Nationalized and its Associate Banks, Foreign Banks, Regional Rural
Banks, Scheduled Commercial Banks including Private Sector Banks) etc..
(3).Employees of listed companies of NSE (National Stock Exchange) and BSE (Bombay Stock
Exchange) in IT, Banking & Finance, Healthcare/Pharma, Energy/Power, Telecom, Infrastructure Sector
etc, where employees are covered under Provident Fund/ Gratuity and / or their leave records are
maintained by the establishment.
From March 1995, the benefits of Postal Life Insurance were extended to the rural masses
through Rural Postal Life Insurance.The scheme shall cover all persons, male or female, who
permanently reside in rural areas and are ordinarily residents in India to the exclusion of foreigners and
non-resident Indians provided they have attained majority.
2. Types of policies
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1. Endowment Assurance (Santhosh)
 This scheme gives assurance to the extent of sum assured and accrued bonus till
attainment of age.
 In case of death before maturity, assignee, nominee or legal heir gets full amount of
sum assured and accrued bonus.
 Under this scheme the proponent is given an assurance to the extent of the sum
assured and accrued bonus till he/she attains the pre- determined age of maturity i.e
35,40,45,50,55,58 & 60 years of age.
 Minimum age at entry 19, maximum age at entry 55 years.
 Minimum sum assured Rs 20000 maximum Rs 50 lakhs
 Loan facility available after 3 years
 Policy can be surrendered after 3 years
 Not eligible for bonus if surrendered or assigned for loan before 5 years.
2. Whole Life Assurance (Suraksha)

 This is a scheme where the assured amount with accrued bonus is payable to the
insured on attaining the age of 80 years or to his/her legal representatives or
assignees on death of the insured, whichever is earlier, provided the policy is in
force on the date of claim.
 Minimum age at entry 19, maximum age at entry 55 years
 Minimum sum assured Rs 20000 Maximum Rs 50 lakhs
 Premium paying age can be opted for as 55,58 or 60 years
 Loan facility available after 4 years
 Policy can be surrendered after 3 years
 Not eligible for bonus if surrendered or assigned for loan before 5 years.
3. Convertible Whole Life Assurance (Suvidha)

 The features are more or less the same as Endowment Assurance Policy except the
following:
 Sum assured is payable with accrued bonus to the insurant either on attaining the
age of 80 years, or on death of the insurant to his/her legal representatives or
assignees whichever occurs earlier, with option to the policy holder to convert the
policy, at the end of 5 years(with a grace period of one year; ie total six years)from
the date of commencement of risk into an endowment assurance maturing at a
specified age chosen (50,55,58, or 60 years), subject to payment of a suitably
increased premium from the date of such conversion.
 Minimum age at entry 19, maximum age at entry 50 years
 Loan facility after 4 years
 Surrender after 3 years
 Not eligible for bonus if surrendered before completion of 5 years
 Age as on date of conversion should not be more than 55 years. If option for
conversion not made within 5+1 years, the policy will be treated as whole life
assurance.
 Minimum sum assured Rs 20000, maximum Rs.50 lakhs
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4. Anticipated Endowment Assurance (Sumangal)
 It is a money back policy with maximum sum assured of Rs 50 lakhs, best suited for
those who need periodical returns.
 Minimum age at entry 19, maximum age at entry 40 years for 20 years’ term policy
& 45 years for 15 years’ term policy
 Survival benefits paid periodically as indicated below :
15 Years 20 Years Survival Benefit
At the end of 6 years At the end of 8 years 20% of Sum Assured
At the end of 15 years At the end of 20 years 40% of Sum Assured with
Bonus
 Such payments will not be taken into consideration in the event of unexpected
death of the insurant. In such cases, full sum assured with accrued bonus is payable
to the assignee, nominee of legal heir.
 No loan/surrender admissible
5. Joint Life Insurance (Yugal Suraksha)

It is a Joint Life Endowment Assurance in which one of the spouses should be eligible for PLI
policies.
 Life cover to both spouses to the extent of sum assured with accrued bonus.
 Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
 Minimum age & Maximum age at entry of spouses: 21-45 years
 Maximum Age of the elder policy holder should not be more than 45 years & the
couple should be between 21 years to 45 years.
 Loan facility after 3 years
 Death benefits are paid to either of the survivors in the event of death of spouse or
main policy holder
6. Children Policy: (Yugal Suraksha)

 Children Policy is available both under PLI/RPLI with effect from 20.01.2006
 The scheme provides life insurance cover to children of policy holders.The child
includes adopted child.
 Maximum two children of policy holder (parent) are eligible.
 Children between 5- 20 years of age are eligible
 Maximum sum assured ₹ 3 lac or equal to the sum assured of the parent, whichever
is less
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 The outstanding term of the main policy shall not be less than the premium paying
period of the children policy.
 Policy holder(parent) should not be over 45 years of age.

 No premium to be paid on the Children Policy, on the death of policy holder
(parent). Full sum assured and bonus accrued shall be paid on completion of term
 Sum assured with endowment assurance bonus shall be payable on its maturity or
earlier on the death of the child.
 No loan is admissible.
No medical examination of child necessary, however child should be healthy and risk start from
day of acceptance of proposal.
1. Limits of acceptance of New Proposals, Revival, Surrender, Forced Surrender, Maturity,

Survival, Death Claims (Except Early Death Claims) settlement of Maturity and survival benefit
claims from 25.08.2020. (25-1/2020-LI dated 21.08.2020)
PLI & RPLI
Criteria Approving Authority/Approver

Up to and Equal to Rs.20 Lakhs. 1.Postmaster (HSG-I/HSG-II)
2.Sr.Postmaster (Gr-B)
3.Dy. Chief Postmaster (Gr-B)
4.AD of HOs headed by Director (Gr-B)
Greater than Rs.20 Lakhs and up to and 1.Head of Division (Gr-B/Gr-A)

equal to Rs.50 Lakhs. 2.Chief Postmaster (Gr-A)
3.Dy Director of HO Headed by a Director (Gr-A)
2. Early Death Claim (Death within 3 years of acceptance of Policy).
PLI-RPLI
1.Director GPO (JAG)

All cases irrespective of Sum Assured.
2.Director (HQ)
3.Regional DPS (JAG)
All Non-Financial/Financial Service requests will continue to be approved by
Postmaster/Manager of CPC (GPO/HO) concerned.
Second and subsequent loan not exceeding the amount as prescribed in the POLI Rules will be
granted by the Post Master/ Manager of CPC.
In case of reopening of claim cases ( for example, in case of court cases etc) the authority
competent to approve claims may re-open the claim but would submit to the next higher
authority for decision
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3. General terms and conditions
i.Financial eligibility: The maximum sum assured will be restricted as under:
a) Till 40 years of age at entry: Sum assured should be 10 times Annual income subject to total
aggregate or maximum of Rs.50 Lakh.
b) For 41 years and above: Sum assured should be 7 times annual income subject to total aggregate or
maximum of Rs.50 Lakh. In addition, information on gross salary drawn by the proponent during the
last three months should be ascertained and inserted as item no. 7 (A) of proposal form.
ii.Special Medical Reports: For all policies where sum assured is above Rs.20 Lakh (new policy &
existing polices taken together) involves calling for Special Medical reports as under:
a) Age up to 35 years: ECG, Routine Urine Analysis, SBT13, HB%
b) Age between 36 years to 45 years: ECG, Routine Urine Analysis, SBT13, CTMT, Hemogram,
c) Age between 46 years to 55 years: ECG, Routine Urine Analysis, SBT13, CTMT, Hemogram,
HbA1c.
d) Age above 56 years (for revival cases): ECG, routine Urine Analysis, SBT13, CTMT,
Hemogram, and HbA1c& X ray of chest.
e) Details of above tests are attached and should be annexed to the existing proposal form .
f) In addition, a Declaration by the Proponent countersigned by the Head of Office as under
should be obtained and inserted as item no.31 (A) of the proposal form.
DECLARATION BY THE PROPONENT AND TO BE COUNTERSIGNED BY THE HEAD OF OFFICE
(A) I do hereby declare that

(a) no proposal of insurance on my life has ever been adversely treated by any insurance company
(b) the foregoing statements made are true to the best of my knowledge and belief
(c) in case it is found that I have wilfully made any untrue statement or have concealed any relevant
circumstances then all the premia which shall have been paid by me , shall be forfeited and this
contract rendered absolutely null and void
(d) I understand that my life shall be insured from the date my proposal is accepted
(e) I have gone through the terms and conditions for insurance with PLI, a copy of which has been
given to me and explained to me in my language.
I hereby agree to abide by them.
I further declare that: a) The contents of surrender table and instructions for admissibility of surrender
value have been explained to me before taking policy and I abide by the same.
b) Surrender of a policy is not admissible before completion of thirty six months of the policy and the
amount deposited shall be forfeited if I surrender the policy within thirty six months.
c) On surrender, the policy shall attract proportionate bonus on reduced sum assured up to the date
for which premium has been paid. However, no bonus shall be payable before completion of 5 years
of the policy.
d) The discontinued policy shall not attract bonus with effect from the date from which the premium is
discontinued.
e) The reduced sum assured shall be calculated by multiplying the sum assured with the number of
instalments paid and dividing the same with the total number of premiums to be paid.
f) The surrender value shall be calculated by multiplying the sum of reduced sum assured plus the
proportionate bonus, if any, with the surrender factor as applicable on the attained age on the date of
surrender of the policy.
* Loan/Surrender is applicable for WLA, CWA, EA & YS policies.
* Loan/Surrender is not applicable for EA/ Children policy/ Gramapriya
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(B) I __________________________________Son /wife /daughter of
____________________________________ aged __________years do hereby declare that: I am not
suffering from Hypertension & Diabetes and not taking any treatment for Hypertension & Diabetes.
OR I have been suffering from Diabetes/Hypertension for the Last _____ years but with proper medical
advice & medication it is with in control and no complication has surfaced so far posing any threat to
my life.
(C) I hereby agree to pay the fee of ________________________________________________________

(per individual) for the medical examination if my proposal is not accepted.
Proponent’s Signature:___________________________
Dated:
The ________________Day of ____________________ 20____
iii.Goods and Service tax

With effect from 1.7.2017, GST on insurance premium from all PLI and RPLI policy holders will
be collected as under.
The GST @ 4.5% of the gross premium during the first year and @ 2.25% (rounded off to
nearest rupee) for the subsequent years is to be collected from the policy holders separately.
The service tax is to be collected every time the premium is collected, be it monthly, quarterly,
half yearly or yearly at the rates cited above. Insurants who pay the premium in the form of cheque(s)
should be advised to include the service tax components also at the above prescribed rate in the value
of cheque.
iv.Commencement of risk
The date of commencement of risk will be the same as the date of acceptance of the proposal
by the competent authority provided the advance deposit is not less than the amount of first premium
as worked out.
v. Medical Scheme
In every case where a proposal for Postal Life Insurance or Rural Postal Life Insurance is submitted,
the proposer must undergo a medical examination by the prescribed medical authority, except the
non-medical policies
The prescribed medical authorities

S Limit of sum assured Status of Medical Officer
l. No
(i) Assistant Civil Surgeon or above/Medical
aFor insurance up to and
. including Rs.5 Lakh (Both officer in PHC.
PLI and RPLI) (ii) Medical officer equivalent to Assistant Civil
Surgeon or above employed in Central and
State Government, Municipal District Board,
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Local Board, Cantonment Board or Union
Board Hospital or dispensaries and also
Medical officers of units of Public Sector
undertakings, both State and Central nearest
to the place of temporary/permanent duty
or residence or stay of the proponent”.
(iii) Retired Medical Officers (Gr. II).
(i) Dy. Civil Surgeon or above

bFor insurance above Rs.5
(ii) (ii) Medical Officer equivalent to Dy. Civil
. lakh and up to 10 lakh
Surgeon or above employed in Central and
State Government, Municipal District Board,
Local Board, Cantonment Board or Union
Board Hospital or dispensaries and also Medical
officers of units of Public Sector undertakings
both State and Centre with at least 10 (ten)
years’ experience nearest to the place of
temporary/permanent duty or residence or stay
of the proponent”.
(iii) Retired Medical Officers (Gr.I).
(i) Civil Surgeon, Medical Officers in the
c For insurance in excess of
employment of Government enjoying the status
Rs. 10 lakhs
not lower than that of a Civil Surgeon or Chief
Medical Officer nearest to the place of
of the proponent”. CMO Grade-I/Specialist
Grade-II shall also be considered as equivalent to
the rank of Civil Surgeon.
(ii) Medical Officer (Allopathic) equivalent to Civil
Surgeon employed in Central and State
Government, Municipal District Board, Local
Board, Cantonment Board, or Union Board
Hospital or dispensaries and also Medical
officers of units of Public Sector undertaking
both State and Central with at least 15 (years)
experience nearest to the place of
of the proponent”.
(iii) Retired Civil Surgeon, CMO Gr.-I and Specialist
Grade-II.
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The Medical Officer concerned will receive a fee for each medical examination at the following rates:-
Sl.No. Amount of sum assured for a proposal Amount of fee payable
1. Up to the sum assured of Rs.10 lakh Rs.50/- per examination
2. Above Rs.10 lakh and upto Rs.20 lakh of sum assured Rs.70/- per examination
3. Above Rs.20 Lakh of sum assured Rs.120/- per examination
4. Revival cases where sum assured is Rs.20 lakh and the Rs.150/- for each opinion
age of the insurant is 55 years and above
vi. Non-Medical Scheme

The following are the conditions for exemption of medical examination.
Non-Medical Scheme (PLI) –
a) Any person, whose age on next birthday does not exceed 40 years
b) The aggregate sum assured does not exceed Rs 500000/- (Five lakh)
c) The aggregate sum assured does not exceed Rs 200000/- (Two lakh) irrespective of age limit
Non-Medical Scheme (RPLI) –
a) Any person, whose age on next birthday does not exceed 35 years
b) The aggregate sum assured does not exceed Rs 100000/- (One lakh)
c) The aggregate sum assured does not exceed Rs 25,000/- (Twenty-five thousand)
for non-standard age proof.
vii. Premature Claim

In case of claim of the policy before maturity, the payment against such claim shall be restricted
to the following amounts:
If death of the insurant occurs Payment restricted to
a). Before completion of one year from date of 35% of the sum assured along with
acceptance of proposal the accrued bonus
b). After completion of one year, but before 60% of the sum assured along with
completion of two years the accrued bonus
c). After completion of two years, but before 90% of the sum assured along with
completion of three years the accrued bonus
d). After completion 0f four years Full sum assured with accrued bonus
Note: The Defence Personnel, Assam Rifles and Para-Military Personnel are exempted from Medical
Examinations. Full claim for sum assured along with the vested bonus shall be admissible to the
claimants if a policy becomes claim after its acceptance.
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viii. Rebate on Advance Premia
In case of policies where premia are payable on monthly basis, the insurant may pay premia for
a number of months in advance to avail the facility of rebate.
i) A rebate @ 2% shall be allowed if the premia for 12 months are paid in advance.
ii) A rebate @ 1% shall be allowed if the premia for 6 months are paid in advance.
iii) Similarly, a rebate of 0.5% shall be allowed if the premia for 3 months are paid in advance.
(This is applicable only for RPLI).
ix. Issue of Duplicate Policy Document
Subject to the execution of an Indemnity Bond in a stamp paper worth Rs.100/- by the insurant
jointly with two solvent sureties and payment of prescribed charges for preparation of duplicate policy
documents (Rs.100/-), the CPC will issue a Duplicate Policy Bond. Issue of Duplicate Policy Document
will be approved by head of the CPC irrespective of the amount.
If the policy is lost from Form of indemnity bond
a) the department’s custody LI-10(f)
b) the party’s custody (assigned policy), LI-10(h)
c) the party’s custody (unassigned policy) LI-10(i)
x. Lapse and Revival of Policies

Lapse
If the premium is not paid within the days of grace, normally the policy lapses.
The Insurant will be personally responsible for payment of premia regularly without any
further act on the part of the department to keep his/her policy in force and avoid its lapse. Wherever
the premia are paid after the days of grace, if permissible, the same should be paid along with interest
in full at the prescribed rates.
Period of grace
Now as per McCamish, there is no grace period for quarterly, half yearly and yearly. The grace
period is only up to the end of the month only.
Lapse of Policies not completed 36 months
The policies which have not completed 36 months from the date of acceptance of the policy
will be treated as lapsed in case the insurant has failed to pay any installment of premium which has
become due within the days of grace and as consequence forfeits the claim against the said policy.
Reinstatement of such Policies
As per Rules 39(3) in case the policy has lapsed under Rule 39(1) above,(less than 3years Policy)
a policy holder may within a period not later than six months from the date of first unpaid premium
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had become due in respect of such policy, deposit of the arrears of premium/premia till the date of
payment along with interest thereon at the rates prescribed by the Director General of Posts in the
specified Post Office and send intimation to this effects to the Head of the CPC concerned along with
a certificate of good health in the prescribed proforma duly signed by the insurant and a certificate
from his/her employer certifying that the insurant had not taken any leave on medical grounds during
such period from the first default in premium. In such cases where the policy holder is not employed,
such a certificate may be dispensed with.
The aforesaid policy shall thereafter be treated as automatically reinstated without any further
act on the part of either the insurant or the department unless any adverse happenings in personal
history of the insurant have taken place and have been reflected in the certificate of good health or the
certificate of the employer. The competent sanctioning authority should in the latter case inform the
insurant that his policy cannot be treated as reinstated and he may either seek surrender of the policy
or make it paid-up, if it has completed three years already.
Lapse of Policy which completed 36 months.
In such cases where the policy has completed 36 months from the date of acceptance of the
policy and the insurant fails to pay any instalment of premium that has become due within the days of
grace, he may pay the arrears of the premium upto a maximum of 12 months from the date of the said
premium had become due along with interest on such arrears of premium besides paying subsequent
installments of premia that may have become due during such period to keep him/her policy in force.
In case the insurant does not pay any installments of premium when is becomes due and fails to
make payment of said premium along with interest thereon for a period of 12 months thereafter, such
a policy ceases to be active at the end of 12 months from the date of first unpaid premium had become
due and such policy acquires a paid-up status.
Reinstatement of such Policies

Rule 40(4) provides that in such cases where the policy has ceased to be active under Rule
40(1) (More than 3 years policy) and the instant deposits all the arrears of the premium/premia up to
the date of payment along with interest thereon at the prescribed rates in the specified post offices but
not later than 12 months and informs the competent authority to this effect along with the certificate
of continued good health in the prescribed proforma to be signed by the insurant and a certificate
from the insurant’s employer certifying that the insurant had not taken any leave on medical ground
during such period from the first default in premium such policy will be treated as automatically
reinstated without any further act on the part of the insurant or the department unless any adverse
happenings in the personal history of the insurant are noticed. In such a case similar action will be
taken as per reinstatement cases under Rule 39(3) discussed earlier.
Default interest @12% per annum with a minimum of Re.1/- to be paid by the insurant along
with the premium of the defaulted installments.
Revival of Policies under Rule 41 of POLI Rules.
The policies are treated as lapsed if the premiums are not paid for more than 6 months or more
than 12 months continuously in respect of policies which are less than 3 years and more than 3 years
respectively. Under the provision of Rule 41 of POLI rules such cases are required to be submitted to
the head of the CPC for revival.
The revival of a policy under Rule 58 shall be allowed on any number of occasions during the
entire term of the policy including the relaxation given under Rules 56(3) and 57(3) for re-instatement.
107
However, a period of consecutive 5(five) years should not have passed from the date of first unpaid
premium against such lapsed policy.
These policies may be revived on fulfilling the following conditions.
a) The policy has not matured.
b) The insurant has good health with reference to Insurance and the same is supported by the
medical certificate of continued good health issued by authorised medical officer.
c) There is no adverse change in personal and family history of the insured.
d) The insurant has not taken any leave on medical grounds during the period from which the
first unpaid premium was due. A certificate to this effect will be given by the employer of the insurant.
e) It is clarified that for the purpose of the revival of the lapsed or inactive policy, no age limit
has been prescribed by the rule and therefore policy can be revived even beyond maximum age
prescribed for taking a policy provided the Head of the CPC is satisfied in each case.
f) Default interest @12% per annum with a minimum of Re.1/- to be paid by the insurant along
with the premium.
xi. Alternation in name:
The assured might have changed his/her name or his/her name might have been changed on
account of his/her having been adopted or in the case of ladies on account of marriage or re-marriage.
In such cases, evidence to support the change in name would be called for. Any one of the following
documentary evidence is usually acceptable.
a). A notification in Government Gazette.
b). An advertisement in the newspaper.
c). A declaration or an affidavit made before the Magistrate or justice of the peace or an
officer empowered to administration.
d). Adoption Deed.
e). Marriage certificate.
xii. LOAN
The procedure regarding grant of loans on security of unencumbered policies has been dealt
with in Rule 42 of the POLI Rules. No loans are admissible on AEA/Children Policy policies.
Admissibility of loans
In case of policy has not been enforced for minimum period for 3 years in respect of EA
policies and for 4 years in respect of Whole Life Policies, no loan is admissible. Further the policy
should be unencumbered. It should be checked that the policy holder retains the title of the policy and
has not assigned the policy in favour of any other person.
Loan is granted upto a certain percentage of surrender value as furnished below.
Whole life Exceeding 4 years but not less than 7 years 60%
Assurance
Exceeding 7 years but not less than 12 years 80%
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Exceeding 12 years 90%
Endowment Exceeding 3 years but not less than 5 years 60%

Assurance
Exceeding 5 years but not less than 10 years 80%
Exceeding 10 years 90%
Interest at the rate of 10% per annum is charged on the amount compounded half yearly.
Interest will be charged on the amount outstanding on the first day of the half year and any
repayments made during the half year will be taken into account for the calculation of the interest for
the next half year.A Second or subsequent loans are allowed after completion of first loan.
xiii. Paid up and surrender of policies
Rule 40 of POLI Rules deals with policies which have become paid up either as a result of
notice from the insurant or automatically as a result of discontinuance of payment of premia by the
insurant after the policy has completed 3 years.Surrender of the policy will not be allowed before
three years and thirty-six installments should be paid.
4. SETTLEMENT OF CLAIMS
a. TYPES OF CLAIMS
The contract of Life Insurance lays down the two contingencies, on the happening of either of
which the sum assured is payable, viz death during the selected period or survival at the end of the
selected period (i.e) Maturity.
In the case of whole Life assurance only one of the aforesaid contingencies is insured against
viz. death, while in case of other plans like Endowment assurance and anticipated Endowment
assurance, the sum assured is payable on the happening of either of these contingencies.
1.Maturity Claim
The claim arising as a result of assured’s surviving the date of maturity is called “maturity
claim”. Since in a maturity claim the assured is alive and the department makes payment to him on
return of the discharge form duly executed with the original policy, settlement of such claim should not
take much time. If however any other requirement or particular is necessary the life assured can be
asked to supply the same. Date of maturity is the date of completion of the term.
2.Death claim
A policy may become a ‘death claim’ by the death of the life assured before the date of
maturity provided the policy is in force on the date of death or has acquired paid up value. In death
claims proof of death, tittle to the policy moneys rival claimants, prohibitory orders etc. post many
problems. In such cases while safe guarding the interest of the Department all possible help and
guidance must be given to the claimant.
b. The death claims fall into two categories:
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a) Premature claims i.e., the claims where the life assured dies within 3 years of taking out
the policy or a revival/reinstatement after the policy has lapsed/surrendered.
b) other claims arising more than 3 years after date of acceptance of policy or revival or
reinstatement.
c. Documents to be provided:
i) Claim application in form LI 9
ii) Original Policy Bond
iii) Loan payment receipt book, if any;
iv) Premium receipt book
v) Death certificate (original and a copy –original will be returned after verification)
vi) The certificate from the last doctor attended or the last hospital attended, certifying the cause
of death.
vii) FIR and Final report of Police and the verdict of court on the final report of police is
necessary.
d. Premature death claims
1). When a policy results into a claim by death within three years from the date of acceptance
of the policy or from the date of revival or reinstatement of the policy, the claim will be treated as
premature claim and following additional steps taken for its settlement.
a) Factual data should be obtained from the claimant about the cause of death, date of death,
terminal illness, the particulars of the doctor consulted by; the deceased during the last three years and
particulars of the policies held by the life assured and outcome of their settlement.
b) Claimant should produce the certificate of the last Medical Officer who attended on the assured
during his terminal illness or who certified the death. The certificate should clearly give information
about the circumstances relating to assured’s death and the probable time from which the assured was
suffering from illness. As an alternative certificate from hospital where the assured was last hospitalized
and had died giving details of cause of death may be obtained.
c) In case the assured was employed, a certificate of the employer will be obtained giving details
of leave taken by the deceased during the period the policy was in force and during the three years
preceding the date of submission of proposal.
d) Proper investigations will be conducted in order to eliminate any possibility of the assured
having committed suicide or having been murdered where the murder has been self-provoked, abetted
or engineered by him.
As per Rule 39(1), the policies which have not completed 36 months from the date of
acceptance of the policy, will be treated as lapsed in case the insurant has failed to pay any installment
of premium which has become due within the days of grace, and as a consequence, forfeits the claim
against the said policy.
2). Notwithstanding what is stated above, if death of the life assured occurs within 36 months
from the date of acceptance of the policy, a further period of remission shall be allowed in respect of
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such policies where premia remain unpaid beyond the period of grace permitted under Rule 28 in the
following manner:
i) If the death of the life assured occurs within 6 months of the date of acceptance of the
policy no remission period beyond the days of grace shall be allowed.
ii) If the death of the life assured occurs within 12 months but not before completion of 6
months from the date of acceptance of the policy; a remission period of 30 days shall be allowed in
addition to the period of grace.
iii) If the death of the life assured occurs within 24 months but not before the completion
of 12 months from the date of acceptance of the policy, a remission period of 60 days shall be allowed
in addition to the period of grace.
iv) If the death of the life assured occurs within 36 months but not before completion of
24 months from the date of acceptance of the policy, a remission period of 90 days shall be allowed in
addition to the period of grace.
v) In the event of death of the life assured taking place during the period of remission
allowed as per sub rule 39(2)(i),(ii),(iii) & (iv) above and before payment of arrears of
premium/premia that had become due along with interest thereon, the policy shall still be considered
valid and the sum assured paid to the nominee or legal heir of the insurant as the case may be after
deduction of unpaid premium/premia from the claim amount along with interest thereon at such rate
as may be prescribed by Director General of Posts.
e. Assured reported Missing
Under the Evidence Act, a person who has disappeared is presumed to be dead only if he has
not been heard of for last 7 years.
In all such cases where the life assured has not been heard of for 7 years and where his heirs or
his assignee or nominee under the policy contends that the life assured should be presumed to be dead,
the claimant should be asked
a) to produce proof of having lodged an FIR with police to this effect and final police
report.
b) to produce a proper and indisputable proof of death or
c) a decree of the court that the assured should be presumed to be dead
In all such cases the premia have to be continued to be paid to keep the policy in force during
the said period of seven years. The claim should be carefully examined with regard to circumstantial
evidence and may be paid subject to production of an indemnity executed jointly by the claimant and
approved sureties.
f. Death by accident
Where it is established that the death of the insured takes place by accident (other than suicide),
no investigation need be conducted as prescribed for premature death cases.
g. Death by suicide
As per Rule 24 of the Rural Postal Life Insurance Scheme 1994, in case it is established that the
death of the insurant has taken place by suicide, intentional self injury or attempted suicide, no claim
will be entertained before the policy completes two year from the date of its acceptance.
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13. Chart showing Bonus admissible on PLI policies in existence during the year ending 31 st March 85 to
31st March 2021.
Rate of bonus for Rate of bonus for
Policy in existence Rate of bonus for sum
sum assured sum assured
during the year assured Rs.1000/
Rs.1000/ Rs.1000/
Anticipated Endowment
Endowment Whole Life Assurance
Assurance Assurance
1984-85 47 59 47
1985-86 54 67 54
1986-87 63 74 60
1987-88 63 78 63
1988-89 65 80 65
1989-90 67 83 67
1990-91 70 85 70
1991-92 72 88 72
1992-93 70 85 70
1993-94 70 85 70
1994-95 76 95 76
1995-96 76 95 76
1996-97 76 95 76
1997-98 76 95 76
1998-99 77 96 77
1999-00 77 95 75
2000-01 77 95 70
2001-02 77 95 70
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2002-03 70 90 65
2003-04 70 90 65
2004-05 70 90 65
2005-06 70 90 65
2006-07 70 90 65
2007-08 70 90 60
2008.09 65 90 60
2009-10 60 85 55
2010-11 60 85 55
2011-12 58 85 53
2012-13 58 85 53
2013-14 58 85 53
2014-15 58 85 53
2015-16 58 85 53
2016-17 58 85 53
2017-18 58 85 53
2018-19 58 85 53
2019-20 58 85 53
2020-21 52 76 48
2021-22 52 76 48
2022-23 52 76 48
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PART II - RURAL POST LIFE INSURANCE SCHEMES AND FEATURES
1. The Rural Postal Life Insurance

Scheme launched on 24.3.1995 to cover Rural Public.The Scheme is operated as per the Notification
issued by the Govt.of India vide ‘Rural Postal Life Insurance Schemes 1994.
All persons who are RESIDENT INDIANS, and have a permanent residence anywhere in a rural
area are eligible to join the Scheme, provided they have attained majority:
 Minimum age – 19 years (Next birthday)

 Maximum age – 55 years (Next birthday)
 Maximum age – 45 yeas in case of GY, CWA policies
 Maximum age – 40 years in case of AEA Policies
 Maximum age – 35 years in non medical policies
 Endowment Assurance Policies maturing at ages 40,45,55,58 and 60 are the only non
medical policies
 Maximum limit for non-medical policies is Rs 1,00,000/-
 Maximum limit for non-medical policies with non-standard age proof is Rs 25,000/-
 Maximum age – 45 years for non-standard age proof
 Maximum age – 44 years for taking policies amounting Rs 10,00,000/-
 For 45 years and above, the maximum limit of insurance is RS 1,00,000/-
 Policies can be taken for a minimum sum of Rs 10,000/- or multiples of Rs 10,000/-
 Thereafter maximum aggregate sum assured: Ten lakh(from 18.5.2015 onwards)
2. Available Plans
Whole Life Assurance (WLA)

 Premia ceasing at 55, 58 or 60 years.
 Sum assured with Bonus payable at death or the insurant attains the age of 80 whichever is
early.
Endowment Assurance (EA)

 Maturity at ages 35, 40, 45, 50, 55, 58 and 60 years
 Sum assured with Bonus payable at maturity or on death whichever is earlier.
Convertible whole Life Assurance (CWA)

 Twin benefits – Pay less premium initially under whole Life Plan and get the policy converted
into Endowment Assurance after 5 years.
Anticipated Endowment Assurance (AEA – 20 years/15 years terms)

 Survival benefits if the insurant survives the specified periodreckoned from the date of
commencement of risk as follows:
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20 years policy 15 years policy
8 years – 20 % 6 years – 20 %
12 years – 20 % 9 years – 20 %
16 years – 20 % 12 years = 20 %
20 years – 40 % + accrued Bonus 15 years – 40 % + accrued Bonus
 Full sum assured payable on death occurs before the date of maturity notwithstanding the
survival benefits already paid.
 Loan and surrender not permitted.
10 year Rural PLI (GramaPriya)

 A short term AEA plan specifically designed for rural insurant. Guaranteed money back
periodically for productive purposes or to meet social obligations.
 Multiples of Rs 5,000/- admissible.
 Special relief in case of natural calamities affecting the insurant directly as shown below
1. No interest will be charged upto one year.Policy does not lapse on account
of non-payment of premia for oneyear.
Survival benefits payable if the insurant survives the specified period from the date of
commencement of risk as specified below.
4 years 20%
7 years 20%
10 years 60% + accrued Bonus
 Full sum assured payable if death occurs before the date of maturity
notwithstanding the survival benefits already paid.
 Loan and surrender not permitted.
Children’s policy
o This has come into force with effect from 20.01.2006.
o This is an Add-On policy to provide insurance cover to the two children of the
 policyholder.
o This is a non-medical policy where parent should not be aged above 45 years
o Age of child should be between 5 and 20 years.
o The sum assured should be between Rs.10000/- and Rs.100000/-.
3. Income Tax benefits

Premium is eligible for income tax rebate under section 80-C of Income Tax act.
4. Proof of age
The Department accepts the proof of age only along with the proposal. As such all the
policies are issued with age duly admitted. The Department does not issue policies if proof of age is
not submitted.
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i. Standard age proof:
The following type of standard age proof will be acceptable to the Department.
a) Certified extract from Municipal or other records made at the time of birth. However, in most
of the cases child’s name is not generally mentioned in the birth certificate. When a birth certificate is
produced, it is normally insisted that the person who produces it should be requested to confirm that it
pertains to the life assured. Tallying of the father’s name as given in the birth certificate with that given
in the proposal is also done.
b) Certificate of Baptism or certified extract from family Bible if it contains age or date of birth.
c) Certified extract from School or College records if age as date of birth is stated therein. The
certificate should be on the letterhead of the school or college.
d) Certified extract from service register in the case of Government employees and employees of
quasi-Government institutions, including Public Undertakings.
e) Passport issued by the Government of India.
f) Marriage certificate in case of Roman Catholics issued by the Roman Catholic Church.
g) Certified extract from service records of small commercial institutions or industrial undertakings
provided it is specifically mentioned in such an extract that conclusive evidence of age was produced at
the time of recruitment of the employee.
h) In case of Defence Personnel, identity card issued by the Defence Authority.
i) A true copy of the University certificate or a Matriculation higher academic examination.
j) A true copy of SSLC certificate issued by a Board setup by the Central or State Government
attested by a Gazetted Officer/Magistrate.
ii. Non-Standard age proof:
If any of the above age proofs is not available, the following non-standard proofs are accepted.
i) Horoscope prepared soon after birth can be accepted provided, they are genuine and
the Circle Office will determine the genuineness of the horoscopes.
ii) The department may admit age on the basis of elder declaration, the elder’s declaration
being executed by a considerably elder relative or friend who has persons knowledge of the life
assured’s date of birth. The elder’s declaration is required to be adequately stamped according to the
stamp regulations in force at the place where the declaration is executed. It must be signed by the
declarant in the present of a Magistrate or an Officer empowered to administer oaths. In case of age
stated in the proposed and the age as per declaration differ the higher age will be admitted.
iii) Where he policy holder is unable to give any evidence of age, not even a declaration of
age by an elder, the age of the part as given by him and as assessed by; the Medical examiner
whichever is higher would be acceptable without evidence.
iv) In case of proposal from the rural areas, the Department would admit age on the basis
of a declaration by the proposer himself counter-signed by the Secretary or a Member of the Panchayat
or the Tahsildar or Block Development Officer. The medical examiner also would make a careful
estimate of the age of the proposer and in case the age differs, the higher age would be admitted. The
self-declaration does not require to be stamped.
v) Election identity card.
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 In all cases of non-standard age proof an extra premium of 5% of the normal tabular
premium will be charged over and above the ordinary premium. Extra premium @5%
of tabular rate should be added first and rebate for higher sum assured should be added
thereafter.
 Maximum limit is Rs 25,000/- only.
 Maximum age limit is 45 years only.
 When only the year of birth is known, the date of birth is taken as 1 st July, when only
the month and year is known, the date of birth is taken as 16 th of the month.
5. Bonus
The Chart showing Bonus admissible on RPLI policies in existence during the year
ending 31st March 97 to 31st March 2021.
Rate of bonus for Rate of bonus for sum Rate of bonus for sum
Policy in
sum assured assured Rs.1000/- assured Rs.1000/
existence during
Rs.1000/- (Anticipated
the year (Whole Life assurance)
Endowment
(Endowment
Assurance)
Assurance)
1996-97 50 50 60
1997-98 50 50 60
1998-99 50 50 60
1999-00 50 50 60
2000-01 50 50 60
2001-02 50 50 60
2002-03 50 50 60
2003-04 55 50 60
2004-05 55 50 60
2005-06 55 50 60
2006-07 55 50 60
2007-08 50 47 65
2008-09 50 47 65
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2009-10 50 47 65
2010-11 50 47 65
2011-12 50 47 65
2012-13 50 47 65
2013-14 50 47 65
2014-15 50 47 65
2015-16 50 47 65
2016-17 50 47 65
2017-18 50 47 65
2018-19 50 47 65
2019-20 50 47 65
2020-21 48 45 60
2021-22 48 45 60
2022-23 48 45 60
Convertible WLA: Whole life bonus rate would be applicable, but on conversion endowment bonus
rate will be applicable.
Incentive structure of PLI/RPLI

PLI- Other than AEA Policies
Premium Paying Term Incentive structure on first year
premium
Up to 15 years 4%
15-25 years 10%
Above 25 years 20%
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AEA Policies
Premium Paying Term Incentive structure on first year
premium
Up to 15 years 5%
Above 15 years 7%
2% of renewal premium in r/o cash PLI polices of all types to all categories of PLI sales force.
RPLI
 10% on First Year Premium
 2.5% on Renewal Premium in r/o RPLI Policies procured on or after 01.10.2009
ASPOs/IPOs shall get 10% of procurement incentive payable to GDS under his/her jurisdiction on
account of verification of RPLI polices
***********
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CHAPTER – VII
Philately
Philately is the art of systematically collecting and studying stamps and postal stationery. Stamps have
been classified based on the purpose of issue into four broad categories. These categories put together
make the stamps, “cultural ambassadors” of the country.
1. Definitive stamps issued for day to day use, reprinted.
2. Commemorative/special issues to commemorate certain events, personalities, themes, flora

and fauna etc. they are not reprinted when the stock is exhausted.
Some commemorative Stamps
3. Thematic or topical stamps are special stamps issued on specific themes like birds,
butterflies, wild life, ships, aircraft, automobiles, architecture, science and technology, flora
and fauna etc.
Thematic Stamps
4. Provisional stamps are temporary issues often hastily prepared, usually bearing surcharges
or overprints resulting from
Change in Government
Change in Currency
Change in Postal rates/surcharge etc.
Stamps used by the UNO and its agencies also comprise a special class. They are in a sense official
stamps without a country, though they are mostly associated with Switzerland and USA.
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Philately Products: The list of Philatelic products below is not exhaustive, but gives a good idea of the
range of products currently produced and collected.
 Postage stamps
 First day covers/Special covers
 Souvenir sheets
 Miniature sheets
 Souvenir cards
 Maxim cards
 Stamp booklets, coil stamps
 Collectors pack, thematic packs, souvenir packs
 Presentation packs
 Information sheets
 Cancellations on cards and on other items
 Items of postal stationery like money order forms, acknowledgements etc.
Special cover: An event which is not important enough to be commemorated by issue of a

commemorative/special stamp may be commemorated by issue of special covers such covers be issued
at the request of private parties on payment
First day covers: With every issue of a new commemorative or special stamp a First-day cover on the
same theme is also issued. Collectors can buy them without cancellation or with first day cancellation.
Souvenir sheets: These are printed in specially prepared sheets to commemorate some event, person or
political happening. The sheet generally consists of one stamp usually a replica of stamp already issued
as a regular postage, on a sheet with wide decorative margins all around, bearing the inscriptions for
issuance of the souvenir. Though they may be of the same size, denomination and colour as the stamp
of the regular commemorative issue, they are generally printed in a different colour or size, in which
case, if the stamp is removed from the sheet it is distinguishable from the regular issue. Souvenir sheets
can be used for regular or airmail postage.
Souvenir cards: These are issued to commemorate major Philatelic exhibition and other gatherings of
postal significance. These cards, unlike souvenir sheets, cannot be used for postal purposes and hence
cannot be cut apart also
Miniature sheet: It is a small souvenir sheet and consists of anything from one to about a dozen stamps
either of one or two kinds or (more often) all different specially printed together with a margin
around. They are deliberately made different, perforated to a different gauge or not perforated at all,
given a different watermark and made larger or smaller. They are produced solely for collectors,
consumption though valid for postage.
Maximum card: It refers to a postcard contained to include the maximum number of allusions to a
subject. For example, a picture postcard of the birthplace of Gandhi may bear the stamp containing his
portrait and cancelled in the same town with a pictorial postmark showing the spinning wheel.
Information Sheet: A sheet or brochure containing information on the theme with technical data issued
along with commemorative stamps.
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Collectors pack, thematic pack and Souvenir pack: collector’s/Thematic/Souvenir packs are unsorted
pieces of stamps where one can get a chance of finding several specimen of good value. They are ideal
for beginners and are a good way to get a worldwide collection. Especially useful to beginners, also
can be used as a Gift Packet.
Technical terms of products, cancellations and collector’s equipment
Catalogue: is a book listing stamps issued in different parts of the world, with estimated market price.
This may be general or specialized.
Cachet: refers to special postmark/cancellation provided by the post office in connection with a first
day of issue, air flight, Philatelic exhibition, etc. In American terminology, this refers to design of special
cover released in connection with a special stamp or cancellation.
Cancellation by compliance: refers to stamps cancelled on request, to oblige collectors
Cancelled to order: refers to stamps cancelled en mass for sale.
Duplex cancellation: A cancellation comprising two adjoining parts, one with the date and town of
origin and the other with a slogan number or a series of lines.
Machine cancellation: represents a postmark applied by a printing machine, to ensure maximum clarity
of the postmark. Frequently encountered in exhibition and propaganda postmarks.
Pre – cancellation: is the system under which bulk mailers are given stamps that are already cancelled.
Tied: A Philatelic term to indicate that a postmark on a cover joins the stamp to the envelope; the
removal of the stamp would leave a part of the postmark remaining visible.
Hinge: Stamp hinges are small strips of thin nonporous paper, lightly gummed on one side and easily
removable. After folding, one third to one fourth, the hinge is affixed to the stamp which is then
affixed to the album page with the help of the other part of the hinge. Its special property is that it can
be peeled off without leaving any mark.
Perforation Gauge: is a Philatelic accessory on card, celluloid or metal with graduated series of dots
and lines in columns of 2 cm width. This is used for measuring the perforations of stamps.
Quadrille: Refers to the faint ‘graph’ on album pages, meant to facilitate easy arrangement and write
up for the stamps.
Philatelic Bureau: Philatelic bureau is a branch of a Head or Sub Post office specifically set up by the
department to deal with the receipt and sale of all philatelic items, like special/commemorative stamps,
first day covers, special covers, new issue in definitive stamps and new stationery etc. It also provides
special cancellations on F.D.Cs and special covers. It maintains up-to-date record and relevant
information of all the issues for supply to the stamp collectors and intending purchasers. It maintains
Philatelic Deposit Accounts.
Philatelic Counters: The Philatelic Counter is a counter for sale of philatelic items and is a part of the
post office specially selected for the purpose. A Philatelic counter is functioning in each Head Post
Office. These counters however, do not provide special cancellation of F.D.Cs or special covers, but a
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standard cancellation of “First Day of Issue” only, which is similar for all the philatelic issues. These
counters offer registration facility for opening of Philatelic Deposit Account with supply of material by
the parent bureau.
How to open a Philatelic Deposit Account: If any one wishes to operate a Philatelic Deposit
Account with the Philatelic Bureau, an application in the prescribed proforma may be sent to the
Philatelic Bureau.
Conditions of Service: The account may be opened with a minimum deposit of Rs. 200/- in
cash or by remittance by money order or by cheque/draft encashable in India. With the remittances the
customers should also indicate clearly the types and quantities of philatelic items they desire to
purchase with each issue of new stamp. The items indicated in the application form, will be dispatched
to the customer automatically without any further order on the part of the customer. First week of
every month the philatelic items will be sent to the account holder by service registered post subject to
available of balance in the account.
Collectors outside India can open a Deposit account with an initial payment of Rs 1000 at the
Philatelic Bureau; Mumbai GPO 400001 may be contacted for further details.
Mode of dispatch and charges for dispatch of philatelic items: The items will be dispatched free
“on postal service” by registered post unless the customer specifically desires that the items should be
sent to him by insured post. The Philatelic Deposit Account holder may also collect these items after
every issue, by calling at the counter of the philatelic bureau.
MY STAMP
‘My Stamp’ is the brand name for personalized sheets of Postage Stamps of India Post. The
personalization is achieved by printing a thumb nail photograph of the images and logos of
institutions, or images of artwork, heritage buildings, famous tourist places, historical cities, wildlife,
other animals and birds etc., alongside the selected My Stamp theme stamp. CUSTOMIZED MY STAMP
Customized My Stamp is a personalized sheet of Postage Stamps wherein the corporate, organizations
and institutions can get their customized sheets printed from India Post. Alongside these customized
themed stamps, the organization may opt for printing of their logo, images of their
organization/institute printed.
One My Stamp Sheet contains 12 stamps with face value of each stamp being Rs. 5/- and the
cost of one sheet is Rs. 300/-.
Quantity of My Stamp Sheets Cost of one sheet (in Rs.) Total amount payable for
mandatory for Corporate 5000 sheets (in Rs.)
Customers
5000 300/- 15,00,000/
After discount of 20%, applicable for Corporate Customers 12,00,000/-
Terms & Conditions

(1) Customer: -
(i) The organization/company will contact by email mystampindiapost@gmail.com place the
order for printing Customized My Stamp. The application along with Order Form needs to be
submitted by an authorised signatory. This should be accompanied by a valid ID proof of authorised
signatory issued by the organization/company.
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(ii) The requirement for getting these Customized My Stamp sheets printed is as follows:  An
Institute/Organization is required to get at least 5000 sheets printed. More can be ordered in multiples
of 5000.  A discount of 20% of the total amount is permitted for corporate Customers.
(iii) The organization/company will be fully responsible for their softcopy/hardcopy of
photograph quality. The organization/company will also be responsible for any issues of propriety of
the image brought by him for printing on ‘My Stamp” sheets, including copy right issues.
(iv) The organization/company will have to place the demand for the above mentioned
product at least a month in advance.
(v) The organization/company will indicate specific quantities of Customized My Stamp sheets
which they intend to get printed in the Application along with Order Form. The requisite amount may
be deposited with the nearest Head Post Office/Post office from where it is desired to collect the
Customized My Stamps. The confirmation of payment along with the copy of the receipt may be sent
to mystampindiapost@gmail.com so that the supply may be arranged in time.
(vi) India Post will print 1,000 My Stamp Sheets more than the quantity ordered by the
Customer, at its own cost, for sale online at e-post office.
(vii) India Post will not be liable for any wrong information produced by Customer.
(viii) The organization/company shall not submit any images which may contravene the law or
erode any moral values of society or which are against the interest of any third party, country or India
Post. In particular, the image shall not contain or imply or suggest any of the following: -
 Anything illegal, offensive, insulting or immoral
 Anything dishonest, deceptive or unpatriotic
 Any religious or political content
(ix) The organization/company shall ensure that the My Stamp must not be used for resale,
whether it is commercial or political without any prior written consent of India Post.
(x) Stamp designs are subject to change without notice. The organization/company must agree
and accept India Post’s terms and conditions for My Stamp before submitting the order.
(xi) India Post reserves the right not to print an image submitted if in its opinion such image is
unacceptable, without giving reasons, in such instances, India Post will refund the payment.
(xii) India Post reserves the right to amend, vary, delete or add to any of these terms and
conditions from time to time without notice or liability to you.
(xiii) Order received will not be changed and amount will not be refunded in any
circumstances.
(xiv) Printed sheet once given to customer will not be taken back.
(2) Delivery and Dispatch: -
(i) The organization/company is required to collect their stamp sheets within 7 working days
from the date of intimation by this office.
(ii) The organization/company has the option of appointing a receiver with an authority letter
with attested signature of receiver and the acknowledgment form. The receiver should carry photo ID
Proof issued by any Govt. Organisation.
(iii) The organization/company may request for “My Stamp Sheets” to be delivered by post. It
may be delivered by Registered Post or Speed Post. Delay in delivery will not be a legal matter.
(3) Discount Slabs
The more a customer buys the My Stamp the more he gains. The discount structure is detailed
below.
124
S.N
No. of My Stamp Sheetlets Discount
o.
1 Purchase of 2 -100 My Stamp Sheetlets 10% discount
2 Purchase of more than 100 My Stamp Sheetlets 20% discount
Note: Discount of 20% will be allowed only on additional sheetlets over 100.
For e.g if a customer purchases 200 My Stamp sheetlets, he will get 10% discount on first 100 sheetlets
and 20% discount on sheetlets over and above the first 100 sheetlets.
125
Annexure II
Supplementary Charges on Foreign Parcels
Sl no Category Amount in Rs
1 Presentation to customs charges collected by the Abolished for outward articles
Administration of Origin after implementation of CSI POS
2 Presentation to Customs charge collected by the 100
Administration of destination (inward parcels) released
after levy of customs duty
3 Advice of non-delivery reply charge 20
4 Warehousing charges on addressee who does not take Rs. 10 per day after 7 days of
delivery of parcel after receipt at the delivery post Notice subject to a maximum
office (from the 8th day) of Rs. 200
5 Advice of Delivery charge 20
6 Inquiry charge. However, if at the request of the Free
customer, inquiries are transmitted by Telecom/EMS
charge Equivalent to the price of the service may be
collected
7 Charge for a request for withdrawal from the Post or 30
alteration or correction of address
8 Charge for delivery of a parcel free of charges and fees 20
to be collected on behalf of the administration of
destination
9 Charge for delivery of a parcel free of charges and fees 20
collected by the Administration of Origin
10 Insurance charges Same as inland service
a. The following charges have been abolished
Presentation-to-Customs charge for incoming parcels which are released free of any
customs duty, Repacking charge, Charge for a request for delivery free of charges and
fees after a parcel has been posted
b. Charge as shown against Item No.1 is applicable to all foreign parcels except for those
destined to Nepal and Bhutan. This charge will be collected from the sender of the
parcels at the time of booking alongwith the parcel postage rate.
c. Charge for advance of non-delivery in respect of outward foreign parcels as shown
against item no.3 is to be collected at the time the sender gives fresh instructions for the
disposal of the parcel. If following delivery of the advice of non-delivery, new
instructions have to be transmitted by telegram, the sender shall pay, in addition the
telegraph charges
d. With regard to charge for a request for withdrawal from the post or alteration or
correction of address at item no. 7, the appropriate telegraph charges shall be added to
this charge, if the request is sent telegraphically.
e. Charge shown against item no.8 is to be added to the presentation to customs charge
shown against item no. 2 and is to be collected as a commission from the sender in
favour of administration of destination to which the parcel delivery free of charge and
fees are being sent.
f. Charge shown against item no.9 is to be collected from the sender and will be kept as
payment for the service provided by the country of origin for parcels for delivery free of
charge and fees
126
Annexure III
Gist on Postal Manuals
Sl. PO Guide/ Manual Contents

No
1 Post office Guide – Part I
Guidelines to customers transacting in various Postal
products in inland mail and other financial services
and details the conditions subject to which posting
can be made.
2 Post office Guide – Part II The conditions for posting of international mail
3 Post office Guide – Part III List of Post offices
4 Relates to Post office Savings bank Act and Certificates Act

Post office Guide – Part IV
5 Postal Manual Volume I This is a compilation of legislative enactments related to
Post office. It contains the following acts and rules
 The Indian Post office Act 1898
 The Indian Post office Rules, 1933
 The Government Savings Banks Act 1873
 The Post office Cash Certificates Act 1917
 The Post office Savings Banks (Nomination)
Rules, 1960
 The Government Savings Certificates Act,
1959
 The Government Savings Certificates Rules,
1960
127
6 Postal Manual Volume II General guidelines, rules relating to organisation matters,
appeals, petitions, stock, budget and buildings
7 Postal Manual Volume III Rules relating to discipline, CCS CCA Rules and Schedules
showing the administrative powers of the different classes
of Officers of the Indian Postal Department.
8 Postal Manual Volume IV Rules relating to appointments, promotions, leave

and establishment
9 Postal Manual Volume V Rules relating to mails and investigation and Period of
Preservation of Records
Postal Manual Volume VI

Rules relating to collection and delivery of ordinary
Part-1
10 and accountable mail
11 Part-2 Rules relating to booking, transmission, payment and
accounting of Money orders
12 Part-3 Rules relating to functioning of sub accounts branch,
accounting in POs, Duties of postmen and letter box
attendants
13 Postal Manual Volume VII Rules relating to operations in Railway mail service
14 Postal Manual Volume VIII Rules relating to functioning of various administrative units
like Circle office, Divisional office, stock depot, RLO. etc
15 Branch office rules Rules relating to the working of branch offices
16 Post office Savings Bank Contains rules relating to various types of savings
Manual Volume I
accounts
17 Post office Savings Bank Contains rules relating to Savings Certificates

Manual Volume II
128
List of RMS Divisions / L-1 RMS/ NSH/ NPH in each circle
Circle RMS Divisions Division L-1 RMS NSH NPH

Head Quarters
Andra 1.AG Division Guntakal 1.Kurnool RMS 1.Kurnool 1.Tirupathi
Pradesh 2.TP Division Tirupathi 2.Tirupathi RMS 2.Tirupathi 2.Visakhapattanam
3.V Division Visakhapatnam 3.Visakkapattanam 3.Visakhapattanam 3.Vijayawada
4.Y Division Vijayawada RMS 4.Vijayawada
4.Vijayawada RMS
5.Guntakal RMS
Assam 1.GH Division Guwahathi 1.Guwahati RMS 1.Guwahathi 1.Guwahathi
2.S Division Silchar 2.Dibrugarh
Bihar 1.C Division Gaya 1.Gaya RMS 1.Gaya 1.Patna

2.NB Division Samasthipur 2.Barauni RMS 2.Barauni 2.Muzaffarpur
3.P Division Patna 3.Patna RMS 3.Patna
4.U Division Muzaffarpur 4.Muzaffarpur RMS 4.Muzaffarpur
Chathisgarh 1.RP Division Raipur 1.Raipur RMS 1.Raipur 1.Raipur

2.Bilaspur RMS
Gujarat 1.AM Division Ahamedabad 1.Ahmedabad RMS 1.Ahmedabad 1.Ahmedabad

2.RJ Division Rajkot 2.Rajkot RMS 2.Rajkot 2.Rajkot
3.W Division Vadodara 3.Vadodara RMS 3.Vadodara 2.Vadodara
4.Anand RMS 4.Surat 3.Surat
5.Surat RMS
Hariyana 1.HR Division Ambala 1.Ambala RMS 1.Ambala 1.Ambala

2.D Division New Delhi-2 2.Hariyana Stg 2.Gurgaon 2.Faridabad
3.Karnal 3.Gurgaon
4.Rohtak
Himachal 1`.HP Division Shimla - Mandi 1.Shimla RMS 1.Shimla 1.Shimla

Pradesh 2.Pathankot Stg 2.Pathankot 2.Pathankot
3.Ambala RMS
Jammu & 1.JK Division Jammu 1.Jammu RMS 1.Jammu 1.Jammu

Kashmir 2.Srinagar Stg 2.Srinagar 2.Srinagar
3.Leh 3.Leh
Jharkhand 1.DH Division Dhanbad 1.Dhanbad RMS 1.Dhanbad 1.Ranchi
2.RN Division Ranchi 2.Ranchi RMS 2.Ranchi 2.Jamshedpur
3.Tatanagar RMS 3.Jamshedpur
129
Karnataka 1.Bangalore Bangalore 1.Bangalore City RMS 1.Bangalore 1.Bangalore
SortingDivision 2.Hubballi RMS 2Hubbali 2.Hubbali
2.HB Division Hubballi 3.Mangalore RMS 3.Mangalore 3.Belagavi
3.Q Division Mangalore 4.Birur RMS 4.Arasikare 4.Mangalore
5.Mysore Stg 5.Mysore 5.Mysore
6.Kalaburagi RMS 6.Kalaburagi
7.Belgavi
Kerala 1.CT Division Kozhikode 1.Kozhikode RMS 1.Kannur 1.Kozhikode
2.EK Division Ernakulam 2.Kochi Stg 2.Kozhikode 2.Thrissur
3.TV Division Trivandrum 3.Trivandrum RMS 3.Thrissur 3.Kochi
4.Thrissur RMS 4.Kochi 4.Trivandrum
5.Kottayam RMS 5.Trivandrum
6.Tiruvalla RMS
Madhya 1.ID Division Indore 1.Indore RMS 1.Indore 1.Indore
Pradesh 2.JB Division Jabalpur 2.Jabalpur RMS 2.Jabalpur 2.Jabalpur
3.MP Division Bhopal 3.Bhopal RMS 3.Bhopal 3.Bhopal
4.Gwalior RMS 4.Gwalior 4.Gwalior
Maharashtra 1.AMPC Mumbai Mumbai -99 1.APSO Mumbai 1.Mumbai 1.Mumbai

2.Central sorting Mumbai 2.Aurangabad RMS 2.Aurangabad 2.Aurangabad
division 3.Pune RMS 3.Pune 3.Pune
3.Airmail Sorting Mumbai 4.Nagpur RMS 4.Nagpur 4.Nagpur
Division 5.Panaji Stg 5.Panaji 5.Margaon
4.Mumbai Mumbai 6.Thane
sorting division
5.B Division Pune
6.F Division Nagpur
7.L Division Bhusaval
8.BM Division Miraj
Delhi 1.Airail Sorting New Delhi 1.AMPC Delhi 1.NewDelhi Integrated Parce
Division Hub New Delhi
2.Delhi Sorting New Delhi
Division
Orissa 1.K Division Jharsuguda 1.Jharsuguda RMS 1.Berhampur 1.Berhampur
2.BG Division Berhampur 2.Berhampur RMS 2.Sambalpur 2.Sambalpur
3.N Division Cuttack 3.Cuttack RMS 3.Bhubaneswar 3.Bhubaneswar
4.Bhubaneswar RMS 4.Rourkela
Punjab 1.I Division Jalandhar 1.Jalandhar RMS 1.Jalandhar 1.Jalandhar

2.LD Division Ludhiana 2.Ludhiana RMS 2.Ludhiana 2.Ludhiana
3.Amritsar RMS 3.Amritsar 3.Chandigarh
4.Patiala RMS 4.Chandigarh
5.Chandigarh Stg
130
Rajasthan 1.J Division Ajmer 1.Ajmer RMS 1.Ajmer 1.Ajmer
2.JP Division Jaipur 2.Jaipur RMS 2.Jaipur 2.Jaipur
3.ST Division Jodhpur 3.Jodhpur RMS 3.Jodhpur 3.Jodhpur
4.Udaipur RMS
5.Kota JN RMS
Tamilnadu 1.CB Division Coimbatore 1.Coimbatore RMS 1.Coimbatore 1.Coimbatore
2.Chennai Air Chennai 2.Annaroad Stg 2.Chennai 2.Chennai
Sorting Division 3.Villupuram RMS 3.Tirunelveli 3.Madurai
3.Chennai Sorting Chennai 4.Tirunelveli RMS 4.Madurai 4.Trichy
Division 5.Madurai RMS 5.Trichy 5.Salem
4.M Division Chennai 6. Trichy RMS 6.Vellore
5.MA Division Madurai 7.Katpadi RMS 7.Salem
8.Salem JN RMS
6.T Division Tiruchirapalli
Telangana 1.Z Division Hyderabad 1.Nampally Stg 1.Hyderabad 1.Hyderabad

2.Hyderabad Hyderabad 2.Hyderabad Stg 2.Warangal
sorting Division
Utharakhand 1.DN Division Dehradun 1.Rudrapur 1.Dehradun 1.Dehradun
2. Dehradun Stg 2.Rudrapur 2.Rudrapur
Uttar 1.A Division Allahabad 1. Prayagraj RMS 1.Allahabad 1.Allahabad
Pradesh 2.BL Division Bareilly 2.Bareilly RMS 2.Bareilly 2.Bareilly
3.G Division Gorakpur 3.Gorakhpur RMS 3.Gorakhpur 3.Lucknow
4.KP Division Kanpur 4.Kanpur RMS 4.Kanpur 4.Gaziabad
5.O Division Lucknow 5.Lucknow RMS 5.Lucknow 5.Agra
6.SH Division Saharanpur 6.Saharanpur RMS 6.Ghaziabad 6.Kanpur
7.X Division Jhansi 7.Ghaziabad CSO 7.Varanasi
8.Varanasi RMS 8.Agra
9.Agra Fort RMS 9.Moradabad
West Bengal 1.H Division Hooghly 1.Howrah RMS 1.Siliguri 1.Kolkata
2.Siliguri RMS 2.Burdwan 2.Siliguri
2.SB Division Howrah
3.Burdwan RMS 3.Kolkata Air Port 3.Portblair
3.SG Division Siliguri
4.AMPC Kolkata 4.Kharagpur
4.WB Division Howrah
5.Portblair
5.Kolkata AP Kolkata
Sorting Division
6. Kolkata RMS
Division
North East 1.Guwahathi RMS 1.Agarthala 1.Agarthala
(Agartala Stg-L2 2.Aizwal 2.Aizwal
CRC-799 Dimapur 3.Dhimapur 3.Dhimapur
RMS L-2-R 797-798) 4.Imphal 4.Imphal
2. Shillong STG CRC 5.ItaNagar 5.Itanagar
793 6.Shillong 6.Shillong
3. Imphal HO Stg
795
131
4. L-1 Mail office
Mizoram
5. L-1 Itanagar
APS ICB PO New Delhi New Delhi New Delhi New Delhi
2CBPO Kolkata Kolkata Kolkata Kolkata
Annexure V
List of Postal Account Offices
Sl Circle PAO Code

1 Gujarat Ahmedabad AH
2 Haryana Ambala AB
3 Karnataka Bangalore BG
4 Madhya Pradesh Bhopal BH
5 West Bengal Calcutta C
6 Tamil Nadu Chennai CH
7 Orissa Cuttack CK
8 Delhi Delhi D
9 Assam Guwahati G
10 Andhra Pradesh Hyderabad H
11 Rajasthan Jaipur J
12 J&K Jammu JT
13 Punjab Kapurthala K
14 UP Lucknow L
15 Maharashtra Nagpur N
16 Bihar Patna P
17 Chattisgarh Raipur R
18 North Eastern Shillong SH
19 Himachal Pradesh Sundernagar S
20 Kerala Trivandrum T
21 Jharkand Ranchi RA
22 Telangana Hyderabad H
23 Uttarakhand Dehradun
132
Annexure VI
Period of preservation of savings bank acounts/ certificates records in post offices

(SB order 9/2018)
Sl. Title of record Period of preservation
No.
1 Application for nomination (NC-51) or 5 years plus the prescribed period of
cancellation or variation of nomination (NC- maturity orextended maturity (if the
53) of Savings Certificates. certificates are allowed to be retained
beyond maturity) from the date of
discharge of the certificate
2 Bonds of indemnity obtained in connection 5-year N.S.Cs.-23 years from the date
with the issue of duplicate certificatesunder of issue
rule 20 of the P.O. Savings Certificate Rules, 6 years NSCs- 18 Years from the date of
1990 issueKisanVikas Patras-18 Years from the
date ofissue.
3 Journals of certificates issued and discharged 18 months
4 Monthly Summaries of certificates issued and 18 months
discharged
5 Stock register of certificates 10 years after a new register is opened
and thePostmaster has initialed the
carried forwardentries.
6 SS Book at SO 5 Years after all the accounts featuring
inthe book have been closed or
transferred
7 Register of undeliverable pass books 2 Years after all pass books entered in
theregister have been transferred to
SBCO
8 Special Error Book 3 years
9 SB-26 Preliminary Receipts 3 years
10 Monthly Statistical Registers 3 years
11 Guard Books containing depositors 6 years
Applications forduplicate passbooks
12 List of withdrawals of Rs 10000 or more at 1 year
branch office and single-handed sub offices
with verification reports
13 Stock Register of Pass books 18 months
14 Authority recognizing theguardian of a Till the account is closed
minor depositor
15 Register of nomination 5 Years after all accounts entered
thereinclosed
16 Guard book of SB-55 -------------do-----------
17 Index to PR (MS-15) 2 years
18 SB Slip (SB-27) 18 months
19 SB Voucher List (SB-22) 2 years
20 Register of rectification of Interest 5 years
133
21 Objection Register (SB-61) 2 years after all objections have been
settled
22 Register showing number of pass books 2 years
received for entry of interest from Bos
23 Register of deceased claim cases including 3 Years after all the claims have been
files and record settled
24 Register containing photographs and other 5 Year after the accounts in the register
particulars of depositors have been closed or transferred
25 Register of collection of cheques 5 years
26 Stock Registers of SB Cheque Books 2 years
27 Register of returned cheques 2 years
28 SB-45 register 2 years
29 applications from illiterate or blind 5 years after all the accounts in the
depositors for operating account through book
agents have been closed or transferred
30 Guard book containing applications for issue 3 years
of freshpass books in lieu of spoilt ones
31 Guard Book containing applications for 5 Years after the accounts are closed
change ofname of depositor
32 Guard Book containing court attachment 5 Years after the accounts are closed
orders of SB deposits
33 Guard Book containing list of collection of 2 Years
cheques on outstation branches/local
branches/cheques received from outstation
for collection
34 SB-28 Receipt Books for Passbooks 2 years
35 List of documents 2years
36 Guard Book containing applications for 5 years
revival ofsilent accounts
37 Register of commission paid to agents and 3 years
TDS deducted
38 Schedule of commission paid to agents/TDS 3 years
deducted
39 Monthly schedules under PRSS Same period as for SO RD
Journal/LongBooks/LOT
40 Guard Book containing verification memos 1 Year from the date of completion of
ofwithdrawals of Rs.10000/- and above verification
received from inspecting officers
41 Guard file containing applications for 3 years
transfer ofaccounts and certificate from one
CBS PO to another
134
Annexure VII
POST OFFICE ACCOUNT AND SUB ACCOUNT DEPARTMENT

SL DESCRIPTION OF FORM FORM NO PERIOD OF
NO PRESERVATION
1 H.O. Summary ACG 1 3 Years
2 H.O. Cash Book ACG 4 3 Years
3 Treasury Voucher ACG 14 3 Years
4 Treasury Receipt ACG 13 3 Years
5 Sub Office Account PA 17(A) 3 Years
6 Treasury Cash Book ACG 2 10 Years
7 Treasury Passbook ACG 8 10 Years
8 S.O. Summery ACG 3 18 Months
9 B.O. Summery ACG 3A 18 Months
10 S.O. Daily Account ACG 22 18 Months
11 S.O. Slip PA 3 18 Months
12 Remittance Advice & Acknowledgement ACG 15 18 Months
13 B.O. Daily Account ACG 22 2 Years
14 B.O. Slip PA 5 2 Years
15 General Receipt Book ACG 67 5 Years
POSTAL ORDER DEPARTMENT
1 List and Journals of IPO Sold 18 Months
2 Register of IPOs & BPOs in stock 18 Months
3 List of IPOs & BPOs Paid 18 Months
MONEY ORDER DEPARTMENT

1 Book of MO Receipts MO 1 2Years
2 Journal of MOs issued MO 2 18 Months
3 Register of MOs Received for Payment MO 3 18 Months
4 Journal of MOs Paid MO 4(s) 18 Months
5 Compilation of MOs Paid MO 20/23 18 Months
6 Compilation of daily totals of MOs issued MO 22 18 Months
7 Postman’s Book MS 27 18 Months
8 Files of cases containing Paid MOs Received Files 1 year
fromAudit Office
9 Files of cases containing Paid MOs Received Paid MOs 2 Years
fromAudit Office
10 List of MOs Presented in bulk for Booking 6 Months
135
11 Records relating to Inward and out ward 3 Years
ForeignMOs in Exchange Office
Registration and Parcel Department
SL DESCRIPTION OF FORM FORM NO PERIOD OF

NO PRESERVATION
1 Register and Parcel Lists Received and 2 Years
Dispatched
2 All other record Except above of Registration 1 Years
andParcel Department and Mail Department
3 Speed/ Business Parcel Post Department 2 years
Sorting, Delivery, Deposit and Misc. Department
1 Correspondence Register 3 Years
2 Deposit Account ACG 45 18 Months
3 Letter Postage Account ACG 44 18 Months
4 Register of Post Box Holders M 23 3 Years
5 Book of Postmarks MS 19 18 months
6 Postmaster’s Order Book MS 1 3 Years
7 Monthly Statistical Register 3 Years
8 Monthly Statistical Abstract MS 14 3 Years
9 Record Relating to Identity cards 18 months (after
validity of cards)
10 Nominal Roll MS 12 10 Years
11 Attendance Register MS 37 5 Years
12 Enumeration Returns MS 6 2 Years
13 Post Office Order Book Permanent
PLI/ RPLI
1 Policies where less than 3 years of premia 5 years after maturity date is over
paid andpolicy is lapsed
2 Policies where at least 3 years of premia paid 5 years after payment of Surrender
andpolicy is surrendered value
3 Policies where at least 3 years of premia paid 5 years after the date of ‘Forced
andpolicy is Forced Surrendered Surrender’
4 Policies where at least 3 years of premia paid 5 years after payment of

andinsurance contract is discharged due to Maturity/Death Claim amount
Maturity orDeath
5 Policies cancelled at the option of Insurant 5 years after cancellation of the
during‘Free Look’ period policy
136
6 Policies which are subject matter of any case 3 years after final clearance from
filed inany court of law arbitration,
litigation, enquiry or audit as the case
may be or till the prescribed
retention period, whichever is later.
Savings Bank Control Organization

1 Vouchers with Consolidation 5 years
2 Statistical Register 3 Years
3 Interest Grand Summary 3 Years
4 Objection Register 2 Years after settlement of all
objections
5 Interest / Balance Adjustment Register Permanent
6 Voucher List 2 Years
7 Periodical Statements 18 Months
8 Inspection Reports 18 months after all the items have
been admitted
9 Undeliverable Passbook l Year
10 Spoilt Passbooks Up to Next Inspection
11 Spoilt Passbooks Up to Next Inspection
12 Register of Records Destroyed Permanent
137
Annexure VIII
Table of Interest rate for different National Savings Schemes

From To S Time Deposits RD MIS SCSS PPF SSA
B
1 2 3 5 Rate Maturity % % % Intro
Yr Yr Yr Yr % Value duce
% % % % for d on
Rs 10 02.12
01.12.2011 31.03.2012 4 7.7 7.8 8 8.3 8.0 738.62 8.2 9.0 8.6 .2014
01.04.2012 31.03.2013 4 8.2 8.3 8.4 8.5 8.4 746.51 8.5 9.3 8.8
01.04.2013 31.03.2014 4 8.2 8.2 8.3 8.4 8.3 744.53 8.4 9.2 8.7
01.04.2014 31.03.2015 4 8.4 8.4 8.4 8.5 8.4 746.51 8.4 9.2 8.7 9.1
01.04.2015 31.03.2016 4 8.4 8.4 8.4 8.5 8.4 746.51 8.4 9.3 8.7 9.2
01.04.2016 30.09.2016 4 7.1 7.2 7.4 7.9 7.4 726.97 7.8 8.6 8.1 8.6
01.10.2016 31.03.2017 4 7.0 7.1 7.3 7.8 7.3 725.05 7.7 8.5 8.0 8.5
01.04.2017 30.06.2017 4 6.9 7.0 7.2 7.7 7.2 723.14 7.6 8.4 7.9 8.4
01.07.2017 31.12.2017 4 6.8 6.9 7.1 7.6 7.1 721.23 7.5 8.3 7.8 8.3
01.01.2018 30.09.2018 4 6.6 6.7 6.9 7.4 6.9 717.43 7.3 8.3 7.6 8.1
01.10.2018 31.12.2108 4 6.9 7.0 7.2 7.8 7.3 725.05 7.7 8.7 8.0 8.5
01.01.2019 30.06.2019 4 7.0 7.0 7.0 7.8 7.3 725.05 7.7 8.7 8.0 8.5
01.07.2019 31.03.2020 4 6.9 6.9 6.9 7.7 7.2 723.14 7.6 8.6 7.9 8.4
01.04.2020 30.09.2022 4 5.5 5.5 5.5 6.7 5.8 6969.67 6.6 7.4 7.1 7.6
1.10.2022 31.12.2022 4 5.5 5.7 5.8 6.7 5.8 6969.67 6.7 7.6 7.1 7.6
01.01.2023 31.03.2023 4 6.6 6.8 6.9 7.0 5.8 6969.67 7.1 8.0 7.1 7.6
01.04.2023 …………. 4 6.8 6.9 7.0 7.5 6.2 7.4 8.2 7.1 8.0
Table of Interest rate for different National Savings Schemes
Period NSC VIII Issue NSC IX Issue KVP
From To Rate Maturity Introduced on Reintroduced
% Value for 01.12.2011 On 23.09.2014
Rs 100
01.12.2011 31.03.2012 8.4 150.90 8.7 234.35 Rate No. of
01.04.2012 31.03.2013 8..6 152.35 8.9 238.87 % Months
01.04.2013 31.03.2014 8.5 151.62 8.8 236.60 To
01.04.2014 31.03.2015 8.5 151.62 8.8 236.60 double
01.04.2015 31.03.2016 8.5 151.62 8.8 236.60 8.7 100
01.04.2016 30.09.2016 8.1 147.61 Discontinued from 7.8 110
01.10.2016 31.03.2017 8.0 146.93 20.12.2015 7.7 112
01.04.2017 30.06.2017 7.9 146.253 7.6 113
01.07.2017 31.12.2017 7.8 145.577 7.5 115
01.01.2018 30.09.2018 7.6 144.231 7.3 118
01.10.2018 31.12.2108 8.0 146.932 7.7 112
01.01.2019 30.06.2019 8.0 146.932 7.7 112
01.07.2019 31.03.2020 7.9 146.254 7.6 113
01.04.2020 30.09.2022 6.8 138.949 6.9 124
01.10.2022 31.12. 2022 6.8 138.949 7.0 123
01.03.2023 31.03.2023 7.0 7.2 120
01.04.2023 ……….. 7.7 7.5 115
138
Annexure IX
TD Interest Table
Denomination Rate of Interest Annual Interest
Percentage Quarterly compounded
100 3.5 3.5462
100 3.6 3.6489
100 3.7 3.7517
100 3.8 3.8545
100 3.9 3.9574
100 4 4.0604
100 4.1 4.1635
100 4.2 4.2666
100 4.3 4.3698
100 4.4 4.4731
100 4.5 4.5765
100 4.6 4.68
100 4.7 4.7835
100 4.8 4.8871
100 4.9 4.9908
100 5 5.0945
100 5.1 5.1984
100 5.2 5.3023
100 5.3 5.4063
100 5.4 5.5103
100 5.5 5.6145
100 5.6 5.7187
100 5.7 5.823
100 5.8 5.9274
100 5.9 6.0318
100 6 6.1364
100 6.1 6.241
100 6.2 6.3456
100 6.3 6.4504
100 6.4 6.5552
100 6.5 6.6602
100 6.6 6.7652
100 6.7 6.8702
100 6.8 6.9754
100 6.9 7.0806
100 7 7.1859
100 7.1 7.2913
100 7.2 7.3967
100 7.3 7.5023
100 7.4 7.6079
100 7.5 7.7136
100 7.6 7.8194
100 7.7 7.9252
100 7.8 8.0311
100 7.9 8.1371
100 8 8.2432
139
Annexure X
Postal Index Number
 (PIN Code) introduced on 15.08.1972

 The first digit indicates one of the eight PIN regions
 The first two digits together indicates the sub region or one of the postal circle
 The first three digits together indicates the sorting / revenue
 The last three digits indicates the Delivery Post office

First digit Region States covered
1 Northern Delhi, Haryana, Punjab ,Himachal Pradesh, Jammu &

Kashmir,
2 -do- Uttar Pradesh, Uttaranchal

3 Western Gujarat, Rajasthan
4 -do- Maharashtra , Madhya Pradesh, Chattisgarh
5 Southern Telangana , Andhra Pradesh, Karnataka,
6 -do- Tamilnadu , Kerala,
7 Eastern West Bengal , Assam, Orissa, North East
8 -do- Bihar, Jharkhand
The First Two Name of the Circle The First Two Name of the Circle
digits of the digits of the
PIN PIN
11 Delhi 50 Telangana
12-13 Hariyana 51 - 53 Andhra Pradesh
14 - 16 Punjab 56 - 59 Karnataka
17 Himachal Pradesh 60 - 64 Tamil Nadu
18-19 Jammu and Kashmir 67 - 69 Kerala
20 - 28 Uttar Pradesh 70 - 74 West Bengal
&Utharakhand
30 - 34 Rajasthan 75 - 77 Orissa
36 - 39 Gujarat 78 Assam
40 - 44 Maharashtra 79 North Eastern
45 - 48 Madhya Pradesh 80 - 85 Bihar &Jarkhand
49 Chhattisgarh 90 - 94 APS
140
141
Andhra Pradesh L-1 and L-2 RMS
Sl. No Name of L-1 RMS Name of L-2 RMS

1 Kurnool RMS Anantapur RMS
Guntakal RMS
2 Tirupati RMS Cuddapah RMS
Nellore RMS
3 Vijaywada RMS Guntur RMS
Ongole RMS
Eluru RMS
Khammam RMS (TELANGANA)
4 Vishakhapatnam RMS Srikakulam Road RMS
Rajahmundry RMS
Vizianagaram RMS
Andhra Pradesh NSH /ICH
Sl. No Name of NSH Name of ICH
1 NSH-Kurnool ICH-Anantapur
2 NSH-Tirupati ICH-Cuddapah
ICH-Nellore
3 NSH-Vijaywada ICH-Guntur
ICH-Ongole
ICH-Eluru
4 NSH-VISHAKHAPATNAM ICH-Srikakulam
ICH-Rajahmundry
ICH-Vizianagaram
Sl.No Name of NPH Mapped SPH

1 Visakhapatnam Srikakkulam
Jeypore SPH under Orissa Circle
2 Vijayawada Guntur
Ongole
Eluru
Rajmundri
3 Tirupathi Cuddapah
Nellore
Sl.No Name of SPH Mapped NPH
1 Anantapur Bangalore
2 Kurnool Hyderabad
142
143
List of NSH/ICH in Telangana Circle
Sl No. Name of NSH Name of ICH
1 Hyderabad Nalgonda
Nizamabad
2 Warangal Karimnagar
Khammam
List of L-1 and L-2 RMS in Telangana Circle

Sl No. Name of L-1 RMS Name of L-2 RMS
1 Hyderabad sorting
2 Nampally stg Nizamabad RMS

Mancherial Stg
Karimnagar Stg
Kazipet Rms
Nalgonda Stg
Mahaboobnagar Rms
LIST Of NPH /SPH in Telangana

1 Hyderabad NPH 1- Karimnagar
1. Nalgonda
2. Nizamabad
3. Warangal
Hospet, Kalburgi and Kurnool SPH also mapped with Hyderabad NPH.
144
145
List of NSH/ICH in Karnataka Circle
Name of NSH Name of ICH
1 NSH ARSIKERE
2 NSH BELAGAVI
3 NSH BENGALURU ICH HOSAPETE
ICH TUMAKURU
4 NSH HUBLI-DHARWAD ICH BAGALKOT
ICH KUMTA
ICH VIJAYAPURA
5 NSH KALABURAGI ICH RAICHUR
6 NSH MANGALURU
7 NSH MYSURU
List of L-1 and L-2 RMS in Karnataka Circle

Name of L-1 RMS Name of L-2 RMS
1 BENGALURU CITY RMS BANGARPET STG
TUMAKURU RMS
2 MYSURU STG MADIKERI STG
MANDYA SORTING
HASSAN STG
3 MANGALURU RMS UDUPI STG
4 BIRUR RMS DAVANGERE RMS
SHIVAMOGGA SORTING
5 HUBLI RMS DHARWAD SORTING
KUMTA STG
GADAG SORTING
BALLARI STG
HOSAPETE STG
VIJAYAPURA STG
BAGALKOT STG
BELAGAVI RMS
6 GULBARGA STG RAICHUR RMS
LIST Of NPH /SPH in Karnataka Circle

Names of NSH Names of ICH
1 HUBLI BAGALKOT
BELGAUM
BELLARY
2 BANGALORE BIRUR
DAVANGERE
HASSAN
TUMKUR
3 MYSORE
4 MANGALORE
Name of the NPH ( Telangana Circle) Name of the SPH

1 HYDERABAD RAICHUR
GULBARGA
146
147
List of NSH/ICH in Kerala Circle
Name of NSH Name of ICH
1 NSH KANNUR
2 NSH KOCHI ICH KOTTAYAM
3 NSH KOZHIKKODE
4 NSH THRISSUR ICH PALAKKAD
5 NSH TRIVANDRUM ICH THIRUVALLA
List of L-1 and L-2 RMS in Kerala Circle

Name of L-1 RMS Mapped L-2 RMS
1 CALICUT RMS KASARGOD STG
KANNUR RMS
THALASSERI STG
VADAKARA RMS
TIRUR RMS
2 THRISSUR RMS PALAKKAD RMS
OTTAPALAM STG
SHORNUR RMS
IRINJALAKUDA STG
3 KOCHI STG AIR ALUVA RMS
ALAPPUZHA RMS
4 KOTTAYAM RMS THODUPUZHA SORTING
CHANGANACHERRY STG
5 TIRUVALLA RMS KAYAMKULAM RMS
KOLLAM RMS
6 THIRUVANANTHAPURAM RMS
List of NPH/SPH in Kerala Circle

Name of NPH Name of SPH
1 KOZHIKODE
2 THRISSUR
3 KOCHI KOTTAYAM
4 THIRUVANANTHAPURAM KOLLAM, TIRUVALLA
Name of SPH Name of attached NPH

1 PALAKKAD COIMBATORE ( In Tamil Nadu Circle)
2 KANNUR MANGALORE ( In Karnataka Circle)
148
149
Annexure XI
Circle Stores Depot and Postal Stores Depot in India

There is Circle Stock Depot and Postal Stores Depot in a Circle/Region under the charge of
the Superintendent. CSD will supply stamps to all the Post offices in the Circle. PSD will cater to the
needs of forms and stationery of the Post office/RMS office and Administrative units.
Sl No Name of the Name of the PSD Circles to be served by Circles to be served

Circle PSD for PSD related for CSD related
services services
1 Andhra Pradesh PSD Vijayawada Andhrapradesh Nil
2 Assam PSD Guwahati Assam Assam Circle &
North East Circle
3 Bihar PSD Patna Bihar Bihar Circle &
Jharkhand Circle
4 Chattisgarh PSD Raipur Chattisgarh CSD related services
to Chattisgarh Circle
will be provided by
PSD Bhopal,
Madhyapradesh
5 Delhi PSD Delhi Delhi Delhi Circle
6 Gujarat PSD Ahmedabad Gujarat Gujarat Circle
7 Haryana PSD Ambala Haryana CSD related service
by PSD Ludhiana,
Punjab
8 Himachal PSD Shimla Himachal Pradesh CSD related service
by PSD Ludhiana,
Punjab
9 Jammu and PSD Jammu Jammu& Kashmir Jammu & Kashmir
Kashmir
10 Jharkhand PSD Ranchi Jharkhand PSD Patna, Bihar
will render CSD
related services
11 Karnataka PSD Bengaluru Karnataka Karnataka Circle
12 Kerala PSD Thrissur Kerala Kerala Circle
150
13 Madhya Pradesh PSD Bhopal Madhya Pradesh Madhyapradesh
Circle and
Chhattisgarh Circle
14 Maharashtra PSD Mumbai Mumbai, Navi Mumbai, CSD Nashik will also
Pune & Goa region in provide CSD related
Maharashtra Circle services to
Maharashtra Circle
PSD Nagpur Nagpur & Aurangabad
Region in Maharashtra *
Circle
15 PSD Silchar North East Circle PSD Guwahati will
North Eastern provide CSD related
services to North
East Circle
16 Odisha PSD Bhubaneshwar Odisha Odisha Circle
17 Punjab PSD Ludhiana** Punjab Punjab Circle
18 Rajasthan PSD Jaipur Rajasthan Rajasthan
19 Tamil Nadu PSD Chennai Chennai City Region in PSD Chennai will
Tamil Nadu Circle provide CSD related
services to all
PSD Madurai Central Region, Western
regions in Tamil
Region and Southern
Nadu Circle
Region in Tamil Nadu
Circle
20 Telangana PSD Hyderabad Telangana PSD Hyderabad will
provide CSD related
services to
Andhrapradesh and
Telangana Circle
21 Uttar Pradesh PSD Lucknow Allahabad Region, PSD Lucknow will
Gorakhpur Region, provide CSD related
Varanasi Region and services to Uttar
Lucknow Region Pradesh and
Uttarakhand Circle
PSD Aligarh Kanpur Region, Bareilly
Region and Agra Region
***
22 Uttarakhand PSD Dehradun Uttarakhand Uttarakhand Circle
23 West Bengal PSD Kolkata West Bengal West Bengal Circle
151
* CSD Nashik will continue to function as hub for smooth coordination with the
Security Press Nashik.
** PSD Ludhiana will provide CSD related services to Punjab Circle, Haryana Circle,
Himachal Pradesh Circle
***PSFS(Postal Stores Forms & Stationery office) Aligarh, Uttar Pradesh Circle will
continue to play its pivotal role related with Government of India Press ie Supply of
Stamps and Seals for the use of all the Post offices in the country.
Annexure XII
Summary of revised SB/SC death claim sanction Limits
Sl. Name of Authority Where Where legal Where no

No. Nomination evidence nomination exists or
Exists available no legal evidence is
available
1 Sub- Post Masters of Time Scale No Limit Rs 50000/- Rs 50000/-
departmental SOs/ Sub- Post Note: Above
Masters of LSG Post offices this limit Note: Above this
cases to be limit cases to be sent
sent to to Divisional office
Divisional
office
2 Sub-Postmasters/ Deputy Post No Limit No limit Rs 100000/-
Masters/ Postmasters of HSG
cadre (all Non Gazetted) SOs Note: Above this
and HPOs limit cases to be sent
to Divisional office
3 Senior Post Masters/ Deputy No Limit No Limit Rs 500000/-
Chief Postmasters/
Superintendent of Post offices, Above 5 lac,
succession certificate
( All Gazetted Gr.B HPOs and is compulsory
divisions) Chief Postmasters in
GPO/ Head post offices, Senior
Superintendent of Pos (All
Gazetted Group-A HPOs and
divisions) & equivalent
authorities in GPO
152
Annexure XIII
Line limits for cash conveyance
Rule 9 of Postal Manual Vol – VI (Part-III)
Letter number 24-3/2012-PO dated 6th October 2018
1 Loose cash through departmental employee Rs 5 Lac
2 Departmental MMS with MTS in addition to diver for conveyance of cash in Rs 20 Lac
cash bags enclosed in account bag.
3 (i) Hired MMS with MTS in addition to driver for conveyance of cash in cash Rs 5 Lac
bags enclosed in account bag within city limits.
(ii) Hired MMS with MTS in addition to driver for conveyance of cash in cash Rs 2 Lac
bags enclosed in account bag outside city limits.
4 RMS Section/ Railways by TVP through cash bag enclosed in account bag Rs 2 Lac
5 Account bag handed over to carrier in weighment system/ Road transport Rs 40000/-
6 Under armed escort No Limit
7 Cash through departmental employee escorted by another departmental Rs 10 Lac

employee
8 Cash through Branch Postmaster/ Assistant Branch Postmaster or Dak Sewak Rs 1 Lac
9 Cash through BPM/ ABPM or Dak Sevak accompanied by another BPM/ Rs 2 Lac
ABPM or Dak Sewak
National Savings Schemes eligible for tax excemption under 80- C of IT Act
1) NSC 2) TD 5 Year 3) SCSS 4) PPF 5) SSA
153
Annexure XIV
SB ORDERS - 2018
01/2018 Amendments in various statutory rules of Small Savings Schemes by Ministry of Finance
(DEA)- regarding.
Public Provident Fund (PPF) accounts held by Non-Resident –
02/2018
regarding.
03/2018 Prevention of Frauds
04/2018 Revision of interest rates for Small Savings Schemes.
16/2017 Inclusion of Aadhaar in respect of Small Savings Schemes- regarding
ADDENDUM.II
Mandatory use of Savings Account for credit of maturity/premature value of various
05/2018 POSB Schemes & monthly/quarterly/yearly interest in
case of MIS/SCSS/TD accounts and investments -regarding.
06/2018 Regularization of PPF accounts opened in Joint names.
07/2018 Deduction of TDS in respect of Senior Citizens who have invested in Senior citizen
Savings Schemes- regarding
Circulation of POSB (CBS) Manual {Standard Operating Procedure (SOP)} for
09/2018 operation of POSB schemes in Core Banking System (CBS)
platform.
Amendment in statutory rules of Sukanya Sambrudhi Accounts Rules 2016 by Ministry

10/2018
of Finance (DEA) – regarding
12/2018 Transmission of Scheme-wise commission of Agents.
13/2018 Regarding amendments in Para – 26 of SB Control Procedure for weeding out of

“Old Records of SBCO”
SB ORDERS - 2019
01/2019 Intra Operable Net banking for POSB Savings Accounts
03/2019 Insertion of Rule 49(6) in POSB (CBS) Manual regarding entry of interest in Passbook
of Savings and SSA accounts standing at EDBOs
04/2019 Change in procedure of generating Live Accounts Report in Finacle
Amendment to Rule 60(4)(B) and Rule 165 (4)(ii) of POSB (CBS) Manual, Rule
87(4)(ii) POSB Manual Vol-I and Rule 50(4)(ii) POSB Manual Vol-II regarding change
05/2019 in power various authorities to sanction deceased claim cases and their time line in
respect Post Office Savings Schemes, including Certificates, where no nomination is
registered and
there no legal evidence is available / produced.
154
06/2019 Preservation period for KYC forms at Circle CPC (CBS) regarding
14/2017 ADDEMDUM-I Regarding Printing of Pass Books with Pass Book Printers.
Addendum-I
Revision of interest rates for Small Savings Schemes w.e.f 01.07.2019
07/2019
to 30.09.2019
Amendments to Rule 60(4) (B) and Rule 165(4) (ii) of POSB (CBS) Manual, Rule 87(4)
(ii) POSB Manual Volume I and Rule 50(4) (ii) POSB Manual Volume –II regarding
05/2019 change in power of various authorities to sanction deceased claim cases and their time
Addendum line in respect of Post
Office Savings Schemes, including Certificate, where no nominations is registered and
there no legal evidence available/produced.
08/2019 Standard Operating Procedure (SOP) for handling of unclaimed

accounts / certificates identified under Senior Citizen Welfare Fund (SCWF) Rules 2016
09/2019 Standard operating procedure (SOP) after implementation of GL Integration between

CBS and CSI transactions.
09/2019 Standard operating procedure (SOP) after implementation of GL Integration between
Addendum CBS and CSI transactions- regarding
11/2019 Standard Operating Procedure of DOP Mobile Banking for Post Office Saving Account
customers.
12/2019 Change in limit for accepting POSB Cheque for deposit in SB/PPF/SSA/RD accounts.
13/2019 Regarding replacement of existing National Saving Scheme (POSB) Rules and issuance
of fresh National Saving Scheme (POSB) Rules 2019
SB ORDERS - 2020
Revision of interest rates for Small Savings Schemes w.e.f 01.01.2020 to 31.03.2020
01/2020
02/2020 Deduction of TDS in respect of cash withdrawal above Rs 1 crore by an account

holder of National Saving Scheme- regarding
03/2020 Collection of various types of fee prescribed in GSPR-2018 under Schedule –II
– regarding
Amendments to procedural rules relating to National savings Certificates/NSC-VIII
04/2020 issue Schemes in POSB(CBS) Manual in the light of
recent changes circulated vide SB Order 13/2019 dated 18.12.2019
Amendments to procedural rules relating to Kisan Vikas Patra (KVP) issue Schemes
05/2020 in POSB(CBS) Manual in the light of recent changes
circulated vide SB Order 13/2019 dated 18.12.2019
155
Amendments to procedural rules relating to Monthly Income Scheme (MIS) in
06/2020 POSB(CBS) Manual in the light of recent changes circulated vide SB Order 13/2019
dated 18.12.2019
Amendments to procedural rules relating to National Time Deposit Scheme (TC) in
dated 18.12.2019
Amendments to procedural rules relating to Public Provident Scheme (PPF) in
dated 18.12.2019
Amendments to procedural rules relating to Sukanya Samrudhi Scheme (SSA) in
09/2020 POSB(CBS) Manual in the light of recent changes circulated videSB Order 13/2019
dated 18.12.2019
Amendments to procedural rules relating to Recurring Deposit Scheme (RD)in
dated 18.12.2019
Amendments to procedural rules relating to Senior Citizen Scheme (SCSS)in POSB(CBS)
11/2020 Manual in the light of recent changes circulated vide SB Order 13/2019 dated
18.12.2019
12/2020 Amendments to procedural rules relating to Saving Accounts and Appendix-IIIin
POSB(CBS) Manual in the light of recent changes circulated vide SB Order 13/2019
dated 18.12.2019
13/2020 Addition of new Appendices and Amendments to procedural rule in POSB (CBS)
Manual regarding dated 02.03.2020
14/2020
Regarding waive off penalty/revival fee (default fee) in RD/PPF/SSA Accounts. dated
31.03.2020 (Covid 19)
15/2020 Revision of interest rates for Small Savings Schemes w.e.f. 01.04.2020 dated 31.03.2020
16/2020 Relaxation guidelines for PPF/SSA Accounts - reg. dated 11.04.2020(Covid 19)
17/2020 introduction of common/modified forms to be used in National Savings Schemes for
CBS and Non-CBS Post Offices -Regarding.
Dated 10.06.2020
18/2020 Extension of PPF Scheme up to Single Handed Sub Post Offices - regarding. Dated
4.04.2020
19/2020 Regarding extending the prescribed time limit of one month post to invest retirement
for retirees in Sr. Citizen Savings Scheme (SCSS).
Dated 26.05.2020 (Covid-19)
20/2020 Regarding relaxation provisions in National Savings Schemes
(RD/PPF/SSA/SCSS) dated 29.05.2020 (Covid.19)
21/2020 Amendment to procedural rule in POSB(CBS)Manual/POSB Manual Volume regarding
incentive/commission to GDS Dated 11.06.2020
22/2020 Acceptance of Cheque in Branch Post Offices for Account Opening and Subsequent
Deposits- regarding. Dated 18.06.2020
23/2020 Reduction in rate of Tax Deducted at Source (TDS) in POSB schemes regarding up to the
period 31.03.2021 dated 26.06.2020
24/2020 Revision of interest rates for Small Savings Schemes w.e.f 01.07.2020
25/2020 Relaxation guidelines in small savings schemes – reg RD/SCSS/PPF/SSA dated
156
03.07.2020(Due to Covid 19)
26/2020 Regarding discontinuation of ACG- l7 taking from SAS/MPKBY agents for
commissionpayment at the time of acceptance of business in CBS Post Offices.
27/2020 Regarding extension of MIS/SCSS/KVP/NSC/PPF schemes up to GDS BranchPost Office
level through cheque. Dated 23.07.2020
28/2020 incorporation of Aadhaar Seeding provision in common/modified Account Opening
Form to be used in National Savings Schemes for CBS and non- CBS Post Offices -
Regarding. Dated 11/08/2020 (SB Order 17/2020)
29/2020 Regarding incorporation of Aadhaar Seeding facility in withdrawal form (SB-7) and pay
in slip (SB-103). Dated 19.08.2020
30/2020 Regarding clarification on issue of duplicate certificates (KVP/NSC). Dated 28.08.2020
31/2020 Amendments to Rule 60 of POSB (CBS) Manual and-Rule 87 of POSB Manual Volume
Iand deletion of Rule 165 of POSB(CBS) Manual and Rule 50 of POSB Manual Volume
Il regarding payment of amount of National (Small) Savings Schemes
accounts/certificates (all schemes) in the name of deceased depositor.(Claim Settlement –
New Procedures)
31/2020 Clarification on physical presence of witnesses at the time of acceptance of deceased
Addendum claimcase. Dated 16.09.2020
32/2020 Acceptance of SB-7 with pass book for opening of new account for National (Small)
Savings Schemes in GDS Branch Post Offices. Dated 23.9.2020
33/2020 Revision of interest rates National savings schemes w.e.f 01.10.2020
Dated 01.10.2020
34/2020 Change of procedure for generation of LOT/ Consolidation in CBS Pos Dated
07.10.2020
35/2020 Supply of revised forms for transactions in various small savings schemes
Dated 29.10.2020
36/2020 Revision of sanctioning powers of deceased claim sanction
Dated 06.11.2020
37/2020 Revision of process of transfer of accounts.
Dated 10.11.2020
38/2020 Revision of interest rates w.e.f 01.01.2021
Dated 31.12.2020
SB Orders 2021
01/2021 New procedures in finacle for Collection of various fee/ charges prescribed in schedule II
of GSPR 2018. Dated 23/02/2021
02/2021 Enhancement of limit of withdrawals at GDS BOS without approval of the account
office ( From Rs5000 to Rs20000). Dated 26.02.2021
03/2021 Revision of cash deposit acceptance limits in GDS post offices / other SOLs Dated
05.03.2021 (from Rs 25000 to 50000)
04/2021 Change of roles of SBCO. Dated 08.03.2021
05/2021 Deduction of TDS in respect of aggregate Cash withdrawals above RS 20 lakh by an
account holder of National Savings Schemes of non ITR filer under section 194N of IT
Act 1961. Dated 09/03/2021
06/2021 Preservation of Backup of Sanchaya Post Data Bases and reporting of errors in respect of
Sanchaya Post application. Dated 23.03.2021
07/2021 Revision of interest rates from 01.01.2021
08/2021 Introduction of “Basic Savings Accounts”
157
09/2021 Payment of MIS/SCSS/TD accounts interest and Maturity Value of
MIS/SCSS/TD/RD/KVP/NSC into account holders “Bank Account”.
10/2021 MOF clarification regarding investment throgh SAS/MPKBY agents not allowed throgh
withdrawal form (SB-7).
11/2021 Regarding reinvestment of maturity value of small savings schemes.
12/2021 Clarification on operation of Joint-B Type Accounts.
13/2021 Regarding pass book updation/printing option for MTS/GDS
14/2021 Regarding transfer of accounts of discontinued schemes NSS-87/92
15/2021 Clarification regarding messenger service for withdrawal/closure
16/2021 Regarding SOL merger of activity for merged CBS post offices
17/2021 Revision of interest from 01.07.2021
18/2021 Submission of Statement of Financial Transactions for
Interest Income
19/2021 Amendment of Para Xi of part A of SB order 34/2020.
Non requirement of revised SB-3/AOF if original is missing
20/2021 Abolition of SB Aptitude Test.
21/2021 Regarding restriction of manual POSB transactions in RICT-CBS enabled GDS Branch
Post Offices.
22/2021 Amendment of Rule 43(2) of POSB Manual Volume–II
Regarding documents for acceptance of surities
23/2021 Regarding withdrawal/loan/closure/PMC of account through authorised person.
24/2021 SOP of CBS-CTS integration functionality for cheque clearance.
25/2021 Deferment of proposed roll out as per 24/2021
26/2021 Adjustment of outstancding RD Loan/interest of matured RD Account through office
account (SOL ID + 0023) in CBS post offices.
27/2021 Revision of interest w.e.f 01.10.2021
28/2021 Regarding introduction of “Interactive Voice Response(IVR)” facility for POSB
customers.
29/2021 Adjustment of interest through HINTTM menu for PMC of PPF, deceased claim closure
of SCSS/SSA and payment of excess deposit in MIS in case of death of joint account
holer.
30/2021 Amendment of Rule 3(1) & 4 of Appendix III of CBS Manual
Regarding payment of SB incentive to BPMs
31/2021 SOP for dealing with cases of amalgamation of PPF Accounts.
32/2021 Regarding updation of ASLAAS card number in Agent portal
33/2021 Regarding introduction of “PM CARES for Children Scheme”
SB orders 2022
01/2022 Steps to be taken for smooth functioning of POSB operations and prevention of frauds.
Linking of mobile number/PAN and collection of pass books of TDA accounts in
single/double handed offices
02/2022 Introduction of online PAN verification functionality in finacle.
03/2022 Circulation of POSB (CBS) Manual corrected upto 31.12.2021
04/2022 Mandatory use of Savings Account for credit of MIS/ SCSS /TD interest in account
holders Bank Savings Account.
158
06/2022 Printing and supply of AAR Books, ASLAAS-5 cards and POSB Cheques.
07/2022 Relaxation in updation of ASLAAS-5 card numbers in Agent Portal.
08/2022 NEFT/RTGS facility to POSB Acount holders
09/2022 Execution of HACINT menu in Finacle. Decentralised from CEPT Chennai to CBS-CPCs.
10/2022 Roll out of RICT CBS version 2.0.1 in RICT CBS devices.
11/2022 Regarding payment of TD incentive to GDS BPMs
12/2022 Regarding introduction of online account opening and closure of NSC and KVP through
DOP net banking.
13/2022 Verification of high value withdrawal of Rs 10000 and above in single handed Pos have
been dispensed with.
14/2022 Introduction of opening and closure of PPF accounts through
DOP Net banking
16/2022 Relaxation in mandatory updation of ASLAAS-5 card numbers in Agent Portal by
MPKBY Agents.
17/2022 Steps to be taken for smooth functioning of POSB operations to avoid frauds.
Maximum number of CIF limited to 5 linked with a mobile number
18/2022 Deployment of functionality in Finacle CBS for deduction of TDS in respect of cash
withdrawal under provisions of Section 194N of IT Act.
19/2022 Introduction of e-Passbook facility for savings schemes account holders
20/2022 Amendments of procedural rules in POSB CBS Manual.
21/2022 Printing the IFSC code of DOP banking on all pass books
22/2022 Deployment of functionality patches in Finacle CBS for checking availability of mobile
number
23/2022 Payment of maturity/pre mature closure amount of SB/PPF/NSS/SSA accounts into
account holdres bank account through ECS outward credit facility.
24/2022 Steps to be taken for prevention of frauds
Change of name of account holder shall be done by HO only.
25/2022 Freezing of small savings schemes accounts get matured not closed after 3 years of
maturity.
26/2022 Revision of interest rates from 01.01.2023
SB Orders 2023
01/2023 Regarding quick settlement of deceased claim cases
02/2023 Deployment of functionality in Finacle CBS for SSA withdrawal facility and amendment
to procedural rules in CBS Manual.
03/2023 Clarification on premature closure of NSC account pledged in favour of banks
05/2023 Introduction of “Mahila Samman Savings Certificate, 2023”
06/2023 Revision of maximum limit of SCSS to Rs 30 lakh.
07/2023 Revision of maximum limit of MIS single account to Rs 9 lakh and oint Accounts to 15
lakh.
08/2023 GSPR Amendment Rules 2023.
159
09/2023 Regarding NEFT/RTGS facility for fund transfer from bank account to PPF/SSA and PO
Savings Account.
10/2023 Rgarding various quries in connection with Mahila Samman Savings Certificate, 2023.
Annexure XV
Important Finacle Menues
CATEGORY A/C OPEN A/C OPEN OPEN MODIFICATION DEP/WDL CLOSURE/DISCHARGE
VERIFICATION (Funding)
Before Vfn After Vfn CLOSURE VERIFICATION
Merge CIF - - -
CIF CCRC HCCA CCRC CMRC
SB CASBAO CASBAV CASBAOM CASBAM CTM HCAAC HCAAC
RD CRDOAAC CRDOAACV CRDOAACM CRDACM CRDP CRDCAAC CRDCAAC
MIS/TD/ CMISAOP CMISAOPV CMISAOPM CMISAM CPDTM HCAACTD HCAACVTD

NSC/KVP/ CPWTM
MSSC
SCSS CSCAOP CSCAOPV CSCAOPM CSCAM HTM HCAACTD HCAACVTD
PPF/SSA CPPFAO CPPFAV CPPFAOM CPPFAM HCAAC HCAAC

HLASPAY-LRP sc
RD LOAN CAOLARD CAOVLARD CAOMLARD CACMLARD HLAUPAY-LRP nsc HPAYOFF- Pre HPAYOFF
LARDD – Loan Pmt CAACLA CAACLA
CLPR
PPF LOAN CLPPFAO CLPPFAOV CLPPFAOM CLPPFAM HACINT HCAAC
CPDT
HCAAC
CPWTM
Payment of Cash : HCASHPND (TD, NSC,/KVP, RD cash payments from the office account
Minor above 10 years common CIF – 300668762, modify address of the a/c holder.
CIF IDs Related menus for DOP Finacle
1.CDEDUP – To see whether the customer is already a existing customer

2. CCRC– For creation of CIF
3. CCRC– CIF creation needs a verification by Supervisor
4. CMRC– CIF Modification
5. CMRC– Suspension of CIF ID
6. HCCA – Merger of CIF ID
7. HCRV – Inquiring of CIF IDs(Customer Relationship View) SB ACCOUNT
SB Account Related Menus in Finacle

1.CASBAO – For opening a savings account
2. CASBAV – For verification of an opened account
3. CASBAOM – For modification of an account BEFORE verification
4. CASBAM – For modification of an account AFTER verification
5. CTM – For cash and transfer transactions respectively
6. HPBP – Pass Book Printing
7. HCAAC – To close a savings account and for verification for closure
8. CNAC – Finding out the new account number from the Old account number
9. HCBM – Changing the status of the customer from Minor to Major
160
TD/MIS/NSC/KVP/MSSC Account Related Menu for finacle
1.CMISAOP – To open an account

2. CMISAOPV – Verification by Supervisor
3. CMISAOPM – To modify an account before verification
4. CMISAM – To modify an account after verification
5. HTDTRAN – Transaction inquiry
6. HTDREN – To renew a TD account
7. HCAACTD – To close a account
8. HCAACVTD – Verification of closer
SCSS ACCOUNT Related Menus in Finacle

1. CSCAOP– For opening an SCSS deposit account
2. CSCAOPM– Modification BEFORE Verification
3. CSCAOPV– The account opening verification
4. CSCAM– Account modification AFTER Verification
5. HCAACTD – Closure of an SCSS account
6. HCAACVTD – Closure verification
RD Account Related Menu in DOP Finacle
1.CRDOAAC– For opening of recurring deposit account

2. CRDOAACV– Verification of opening
3. CRDOAACM– Modification in the account before verification
4. CRDACM – Modification in the account After verification
5. CRDP – RD Account transaction maintenance
6. CRDCAAC– For closure of recurring deposit account
7. CRDCAACV– Verification of the closure account
LOAN AGAINST RD ACCOUNT Menu in Finacle
1.CAOLARD– To open a loan account against RD

2. CAOMLARD– For Modification Before Verification
3. CACMLARD– For Modification After Verification
4. CAOVLARD– Verification
5. LARDD– For disbursement of the sanctioned amount
6. HLAUPAY – For making unscheduled payments (for both bullet and monthly installment loans)
7. HLASPAY – For making scheduled payments ( for monthly installment loans)
8. HPAYOFF– For closure of the account
9. HPAYOFF– Verification of closer
PPF /SSA Account Related Menu in Finacle
1. CPPFAO– To open a PPF account

2. CPPFAV– Verification
3. CPDTM – Funding and for all the future deposits in the PPF account
4. CPWTM – Part withdrawal
5. HAFSM – To unfreeze the account for
6. CPPFAOM – PPF A/c can be modified before verification
7. CPPFAM – PPF A/c modification after verification
8. HCEXTN – PPF A/c Extension
9. HCAAC – To close a PPF account
LOAN ACCOUNT AGAINST A PPF ACCOUNT in Finacle
1. CLPPFAO – To open a loan account against PPF

2. CLPPFAOV – Verification
3. CLPPFAOM – Modification before verification
4. CLPPFAM – Modification after verification
5. CPWTM – For PPF Withdrawal, Loan Disbursement and Interest Recovery
161
6. Invoke the menu option CLPR and HACINT before proceeding with account closure
7. CPDTM– For the repayment of the loan and closing the loan account
8. CPDTM – Verification
OFFICE ACCOUNTS AND REPORTS MENU IN FINACLE
1. HIOT – Inquire on transaction

2. HIOGLT – Inquiry on GL transaction
3. HACLINQ – Office Account Ledger Inquiry
4. HACLPOA – Office A/c. Ledgers Print
INTEREST INQUIRIES AND REPORTS MENU IN FINACLE

1. HAITINQ – Account Interest Inquiry
2. HCUIR – Customer Interest Inquiry
3. HAINTRPT – Account Interest report
4. HINTTI – Interest Details Inquiry
5. HLINTI – Inquiry on Interest
6. HIARM – Interest Adjustment
CHARGES INQUIRY AND REPORTS MENU IN FINACLE
1. HCCI – Customer wise charges Inquiry

2. IFD – Inquire Fee details
3. CCCSA – Closed Charges For Silent Account
4. HGCHRG – General Fees
LOAN ACCOUNTS INQUIRY AND REPORTS MENU IN FINACLE
1. HCULA – Loan accounts of customer report

2. HLNGI – Loan General Details
3. HLACLI – Ledger Inquiry
CUSTOMER INQUIRIES AND REPORTS MENU IN FINACLE
1. HACS – Account Selection

2. HACSP – Account selection and Print
3. HACCBAL – Components of account balance
4. HACCBALI – Account balance inquiry
5. HACLI – Account Ledger inquiry
6. HABMR – Account below minimum balance report
7. HACLPCA – Account ledger print
8. HCUACC – Account of customer
9. HCRV – Customer Search
10. HCUDET – Inquire on General Details of Customer
11. HACI – Signature Verification
12. VSPH – View Signature and Photograph List
CHEQUE BOOKS AND REPORTS MENU IN FINACLE
1. HCHBI – Cheques book issue inquiry

2. HISAI – Inventory Split and Inquiry
3. HIIA – Inventory Inquiry All
4. HIMI – Inquire on Inventory Movement
5. HISI – Inquiring on the inventory
OTHER INQUIRY AND REPORTS
1. HBR – Balancing report

2. HQBR – Quick balancing report
3. HPR – Print report
4. HISTR – Inter sol transaction report
162
5. HISAR – Inter sol audit report
6. HEXCPRPT – Exceptions Report
7. HFINRPT – FINRPT Report Generation
8. HGR – General Report
9. HPDB – Day Book printing
10. HSPRG – Generate Stop Payment Register Report
11. HSCWRPT – Shroff Cash Report
12. CATREP – Accounts Transfer Report
13. HMR – Monthly/Yearly Statistical report
14. CSCB – Scheme Balances
15. CNSR – HNSR (Monthly/Yearly Nomination Statistical Reports)
16. HMEMOPAD – Memo pad Maintenance
DEPOSITS INQUIRY AND REPORTS
1. HACDET – Account details

2. HGDET – General details
3. HRELACI – Renewed account inquiry
4. HPLIST – Pending installment List (Recurring Deposit)
5. HCUMAT – Customer accounts maturities
6. HCUTD – Term Deposit of the customer
7. HDTRS – Deposit Transactions Report Summary
8. HRENHIST – Term Deposit Renewal History Details of Account
9. HTDSIP – Tax Report Options
10. HTDSREP – Customer Wise TDS Report
TRANSACTIONS INQUIRY AND REPORTS
1. HFTI – Financial Transaction Inquiry

2. HFTR – Financial Transaction Report
3. HTCPIAE – Teller cash position Inquiry – employee
4. HTCPIAC – Teller cash position Inquiry- currency
5. HOCI – Outward cheques Inquiry
6. HABI – Balance Inquiry
7. HACSBIO – A/c. Shadow Balance Inquiry
8. CNSTRP – Transactions Report
SAVINGS ACCOUNT INQUIRY AND REPORTS
1. CATREP – Accounts transfer Report

2. CCHQREP – Cheques Report Generation
3. CMITMA – Minor to Major Report
4. CRVACC – Dormant Accounts revived Report
5. CSIREP – Silent account Report
6. CAFUREP – Account Freeze and Unfreeze Report
7. CWAREP – Welcome Kit Account Report
8. CWDREP – Report of SB Withdrawals above Rs.10000
9. HACDET – A/c. Balance Details
10. CNAC – Old Accounts Details Look Up
11. HACCDET – Inquire on General Details of Account
12. HAFSM – Account freeze/Unfreeze
13. HSSII – Inquire on standing instructions maintenance
14. HSIREPTS – Standing Instructions Reports
DAY END MENU IN DOP FINACLE
1. HFTI – Financial Transaction Inquiry

2. HISCOD – To Initiate Change Date (Day End)
3. HSSI – Inquire on SOL status
163
Annexure XVI
Important T-Codes in SAP

T-Codes for cash Transfer
ZFFV50 Cash request/Excess cash transfer from HO to SO /SO
to HO , AO to BO and BO to AO
ZFFV50 Cash remittance to bank /drawal from bank
ZMEMO_REMIT ACG11 FORM generation for bank remittance
ZFI_CASHDENO To create cash denomination form
ZFI_CASHTRANSFER Check cash sent to other offices
Voucher Posting
F-02 Single voucher posting
FB50 Multiple voucher posting
ZBF07 Bulk Voucher Posting through spread sheet
T-Codes for Inventory
MB52 To Check the Inventory Stock
MB51 To check the invoices
MB5B To verify stock for previous date
MB90 Print stamp invoice
MB5T Transit material
IQ09 View Serial Number wise IPO Stocks
MMBE Stock overview of a material
MIGO Inventory movement(Goods receipt/Remove from
storage/Place in storage)
T-Codes for intends to PSD
ME21N Stamp/stationary indent from SO/HO to PSD
ME22N Change purchase order
ME23N Display purchase order
ZMAT_EXT Create /maintain material code
T-Codes related to Cheque
FCH1 Display Doc for Cheque No
FCH2 Display Cheque No for Doc No
FCH3 Cancel cheque leaf before issue
FCH4 Renumber a chq (If a chq is lost and another chq is
issued)
FCH5 Issue cheque
FCH6 Edit Cheque information
FCH7 Reprint Cheque
FCH8 cancel cheque after issue(Void & reverse document)
FCH9 Mark void cheque
ZF110 Cheque request & receive
F-58 Payment by cheque (for liability document)
F-28 Receive by cheque
164
FCHI Add new cheque book
FCHI To view cheque in stock
FCHN To view cheques issued/Cheque register
FCHE Delete information on voided Cheque
FCHD Delete chq information created from payment run (Chq
created from ZF110 or f-58)
FCHF Delete chequei nformation created manually
(chq created from fch5)
FCHG Reset specific information from cheque
ZFICHQ Print Cheque
T-Codes related to DPMS Module
ZEMO_UNPAID Office wise report to check the unpaid eMO
ZEMOUNPAIDREP Check the eMOs unpaid under the Division
ZIPVSREP To Check Bag Received / Opened /Closed/ Dispatched
in POs
ZDOP_MAIN DOP Main Screen
ZMODPMS DPMS Main screen
ZART_UPLOAD Upload legacy article data
ZMOCODUPDATE Update COD article details
T-Codes Related to HRMS Module
ZHR_FETCHEMPID To know employee ID by PAN & Aadhaar Number
ZHR_LEAVE_BALANCE To know employee leave balance
ZHR_LEAVE_REPORT To generate employee leave taken report in list
ZHR_ERDETAILS To know about Establishment strength, filled and
vacancy post of a facility ID
ZHR_REMOVEPOST To remove a post in a facility ID
ZHR_PENSION_UPLOAD Pensioner master data upload and generation of
pensioner ID
PC00_M40_F16 To generate form-16
ZHR_FORM16 To generate form-16
ZHR_UPD_RELATIONS Mass upload of Cost centers(For PO13)
ZHI01 Bank key Creation
ZPAY_BANKCREDIT Disbursement for bank account credit and generation
of document for cheque payment
PA30 Master data maintenance
ZPY_MENU Payroll menu
ZHR_IT2001_UPD For mass upload(Change info type for others)
PO13 Cost center change
ZHR_POST_RELATIONS View Post to Post relations
ZHR_PAYSLIP Generate Pay slip of GDS/Pensioner/ Departmental
employee
ZHR_LPC_FORM LPC Generation
165
Other T-Codes
ZFDAILY Displays the Daily Transaction History Report. Shows
the GLs to which transactions are posted
S_PLO_86000030 Trial balance /Monthly Account
FAGLB03 GL account balance display
ZMO_RICT_DATA BO slip generation
ZVPP_RETRIEVAL Retrieval of VPP Article
FBL1N To view Postman Liability by Postman Vendor ID
ZFI_RECON Bank Reconciliation(Drawing /Remittance)
SU01D To find out the identity and roles allocated to a user
FB08 To Reverse the Document
FB02 Change posted document
FB03 To View Document
FBRA To Cancel the Reversal
ZFI_REV To view Reversal entry done Report
ZBOSLIP View and print BO Slip
ZFI_INS 8001=Savings Bank, 8002 = Savings Certificates
8006=Misc(PPF)
ZFID Search Facility ID/Profit Center/Plant/Storage
Location etc of Office/To Get Details of all the offices
/To Get Details of all the offices under Head Post Office
ZFI_CASHBAL To View DOP Cash balance (Single Date / Complete

month for Single office / Complete Division)
ZFI_POS_CASH To View POS Cash balance (Single Date / Complete
month for Single office / Complete Division)
ZFI_POS_BAL To View POS Cash closing balance (Single date-Multiple
offices)
FAGLL03 To view POS Cash Closing balance (Multiple dates-
Single office)/To view POS Cash Closing balance
(Multiple dates-Single office)/View Postman MO Issue
/View VPP Clearing account report
ZFBL3N View DOP Cash balance(TCB)/View POS Cash balance
ZFR_DAY_NEW View Daily Account in SAP

Franking/BNPL
ZFI_EREPORT Check COD Biller payment (For article booked before

Frontend Biller booking system)
ZMO_FKG_NOTIONAL Notional Credit Report
ZMO_FKG_USG_STS Franking Usage Status Report
ZMO_FKG_CONN_STS Franking Connection Status Report
ZMO_FKG_LIC_REQ License Request Details
ZMO_FKG_SOM_USG_CMP SOM and Usage Comparison Report
166
ZMO_FKG_LIC_RECHARGE Recharging Franking Licenses
ZMO_FKG_REFUND Franking Refund Report
ZMO_FKG_REBATE Franking Rebate Report
ZMOFKG To View number of RFMS are currently in use in Office
and To View Their Credit Particulars, Usage, Balance,
License Expiry etc
ZMO_FKG_LICENSES Check Franking Machine Licenses
ZMO_FKG_USAGE Check the usage of Franking Machine
VA43 View BNPL/Advance customer
FBL5N View Customer Ledger
ZBNPL_NEW View Customer Booking details
ZCUSTCON Displaying Customer and contract details based on
booking office
ZCONIN Advance/BNPL Customer balance report
FD10N to know the Outstanding balance Of the customer
Others
ZMO_POSTBAG_DISPLAY To check rented out boxes and available boxes. Cross
check with manual records
ZBNPL_NEW To check the articles posted by a customer based on
the customer number
ZFI_EREPORT and To check the collection of e-Payment at various centres
ZFI_EPAY
167

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The information contained in this book has been prepared solely for

the purpose of providing information about Department of Posts.

FOREWORD TO THE THIRTEENTH EDITION

POSTAL NETWORK AT A GLANCE IN INDIA AS ON 31.03.2022

POSTAL COMMUNICATION – TRADITIONAL PRODUCTS

Air Surcharge: Upto 50g: Rs.2.00

Used for communication and sending documents.

Maximum weight :2kg.

Dimensions of letter are as below:

ii) letters other than roll form

Standardization of Mails: Standard Size of Envelope

2. Inland Letter Card

 Used for personal communication.

Dimension Minimum Maximum

 For transmission within India and is economical.

The following contents can be sent in a book packet:

Maximum weight: 5 Kilograms

Size prescribed Minimum Maximum

a) There shall be no personal communication enclosed or written up on a book packet.

6.Book Packet containing periodicals

Value of Periodical For first 100 g Additional 100 g or

8.Blind Literature Packet

Free transmission of blind literature packets up to 7 kilograms. Papers of any kind,

9.Pattern and Sample Packet

Size Minimum Maximum

Length as per letter 100 cm

Tariff: First 500 g Rs.19.00

 For calculation of postage, physical weight or volumetric whichever is more is

 Currently only Remotely Managed Franking Machines are allowed to be used.

Procedure for issue and renewal of license

SERVICES ASSOCIATED WITH TRADITIONAL POSTAL COMMUNICATION

Value additions for traditional products:

All traditional mail products except Post cards can be registered.

Articles for which Registration is compulsory

1. Any parcel exceeding 4 kilograms of weight

2. Value Payable Service:

Tariff: Maximum Value: Rs.5,000/-

• Fee for recall of articles

 It is intended to cater to postal communication needs of travelers.

8.Business Reply Service

9. Violations of condition of Posting and action to be taken:

Unpaid/Insufficiently Paid Articles

Double the deficiency of postage will be collected in the following cases:

c. Inland Letter Card

 If a private inland letter card weighs more than Five grams.

f. Book Packet Containing Printed Books and Periodicals

i. Blind Literature Packets

a) Prepayment of postage is compulsory.

10. Articles Prohibited from Transmission by Post

I Anything injurious – a) explosive, dangerous, filthy, noxious or deleterious substance, b)

Articles Ordinary Registration Insurance V.P

Letter Post Network

Registration charges . Per Article Rs 150/-

M Bag Rs 750/- per bag

Weight and Size Restrictions

Items for the blind up to 7 kg

For loss / total theft / total damage of International 150 SDR*.

Postage will not be refunded.

a. Name of the addressee.

-- below the address,

Note: The following items shall not be considered at standardized:

(ii) Folded cards;

(iii) Items closed by means of staples, metal eyelets or hook fastening;