PLEASE NOTE :- is not the official website of kalahandi postal division. It is just a private initiative to make the people aware about different postal product and services.All content displayed here are contributed by user and collected from different open sources. We do not claim any accuracy or originality of content.All pages you visit through the hyper link may have different privacy policy.we will not be liable for any losses, injuries or damages arising from its display or use. [ For any query/suggestion, kindly mail us at ] is not the official website of kalahandi postal division. It is just a private initiative to make the people aware about different postal product and services.All content displayed here are contributed by user and collected from different open sources. We do not claim any accuracy or originality of content.All pages you visit through the hyper link may have different privacy policy.we will not be liable for any losses, injuries or damages arising from its display or use.

Implementation of Cheque Truncation System, CTS-2010 to POSB Account holders

On the eve of implementation of Cheque Truncation System, CTS-2010 to POSB Account holder, everybody should know the FAQs on CTS-2010. Here are the FAQs issued by RBI.

 1. What is Cheque Truncation?

 Truncation is the process of stopping the flow of the physical cheque issued by a drawer at some point with the presenting bank en-route to the drawee bank branch. In its place an electronic image of the cheque is transmitted to the drawee branch by the clearing house, along with relevant information like data on the MICR band, date of presentation, presenting bank, etc. Cheque truncation thus obviates the need to move the physical instruments across branches, other than in exceptional circumstances for clearing purposes. This effectively eliminates the associated cost of movement of the physical cheques, reduces the time required for their collection and brings elegance to the entire activity of cheque processing.

 2. Why Cheque Truncation in India?

 As explained above, Cheque Truncation speeds up the process of collection of cheques resulting in better service to customers, reduces the scope for clearing-related frauds or loss of instruments in transit, lowers the cost of collection of cheques, and removes reconciliation-related and logistics-related problems, thus benefitting the system as a whole. With the other major products being offered in the form of RTGS and NEFT, the Reserve Bank has created the capability to enable inter-bank and customer payments online and in near-real time. However, as cheques are still the prominent mode of payments in the country and Reserve Bank of India has decided to focus on improving the efficiency of the cheque clearing cycle, offering Cheque Truncation System (CTS) as an alternative. As highlighted earlier, CTS is a more secure system vis-a-vis the exchange of physical documents. In addition to operational efficiency, CTS offers several benefits to banks and customers, including human resource rationalisation, cost effectiveness, business process re-engineering, better service, adoption of latest technology, etc. CTS, thus, has emerged as an important efficiency enhancement initiative undertaken by Reserve Bank in the Payments Systems area.

 3. What is the status of CTS implementation in the country?

 The Reserve Bank has implemented CTS in the National Capital Region (NCR), New Delhi and Chennai with effect from February 1, 2008 and September 24, 2011. After migration of the entire cheque volume from MICR system to CTS, , the traditional MICR-based cheque processing has been discontinued in these two locations.. Based on the advantages realised by the stakeholders and the experienced gained from the roll-out in these centres, it has been decided to operationalise CTS across the country. Accordingly, Grid based CTS clearing has since been started in in Chennai by including a few banks from Coimbatore and Bengaluru with effect from March 2012. It has also been envisaged to bring all the bank branches in the states of Tamilnadu, Kerala, Karnataka, Andhra Pradesh and the Union Territory of Puducherry under Chennai Grid in a phased manner.

 4. What is the new approach to CTS implementation in the country?

 The new approach envisioned as part of the national roll-out is the grid-based approach. Under this approach the entire cheque volume in the country cleared across numerous locations will be consolidated into a much fewer number of grids. The concept of region wise grids will be replaced and operational freedom will be given to the operator in deciding the number of grids required to expand the reach of CTS Pan-India and also on choosing the locations for each grid for optimum use of the resources. Each grid will provide processing and clearing services to all the banks under its jurisdiction,. Banks, branches and customers based at small / remote locations falling under the jurisdiction of a grid would be benefitted, irrespective of whether there exists at present a formal arrangement for cheque clearing or otherwise.

 5. Is it possible to briefly explain the entire process flow in CTS?

 Yes. In CTS, the presenting bank (or its branch) captures the data (on the MICR band) and the images of a cheque using their Capture System (comprising of a scanner, core banking or other application) which is internal to them, and have to meet the specifications and standards prescribed for data and images. To ensure security, safety and non-repudiation of data / images, end-to-end Public Key Infrastructure (PKI) has been implemented in CTS. As part of the requirement, the collecting bank (presenting bank) sends the data and captured images duly signed and encrypted to the central processing location (Clearing House) for onward transmission to the paying bank (destination or drawee bank). For the purpose of participation the presenting and drawee banks are provided with an interface / gateway called the Clearing House Interface (CHI) that enables them to connect and transmit data and images in a secure and safe manner to the Clearing House (CH). The Clearing House processes the data, arrives at the settlement figure and routes the images and requisite data to the drawee banks. This is called the presentation clearing. The drawee banks through their CHIs receive the images and data from the Clearing House for payment processing. The drawee CHIs also generate the return file for unpaid instruments, if any. The return file / data sent by the drawee banks are processed by the Clearing House in the return clearing session in the same way as presentation clearing and return data is provided to the presenting banks for processing. The clearing cycle is treated as complete once the presentation clearing and the associated return clearing sessions are successfully processed. The entire essence of CTS technology lies in the use of images of cheques (instead of the physical cheques) for payment processing.

 6. What type of cheques can be presented for clearing through CTS?

 All types of cheques can be presented for clearing through CTS. It is no different from the use of traditional clearing infrastructure for clearing paper cheques. Cheques presented as part of Speed Clearing are handled in CTS as well (for more details on Speed Clearing, the related FAQs may be referred to). Incidentally, given the fact that images of cheques (and not the physical cheques) alone need to move in CTS, it is possible for the removal of the restriction of geographical jurisdiction normally associated with the paper cheque clearing. For reaping this benefit , the concept of Grid-CTS clearing is being envisaged as part of roll-out of CTS at Chennai. Under the grid clearing, cheques drawn on centres included in the grid will be cleared as part of local clearing. 7. Will there be any change in the process for the customers? No. There is no change in the clearing process for customers. Customers continue to use cheques as at present, except to ensure the use of image-friendly-coloured-inks while writing the cheques. Of course, such of those customers, who are used to receiving the paid instruments (like government departments) would also receive the cheque images. Cheques with alterations in material fields (explained in detail later) are not allowed to be processed under the CTS environment.

 8. What are the benefits of CTS to customers of banks?

 The benefits are many. With the introduction of imaging and truncation, the physical movement of instruments is stopped. The electronic movement of images of cheques speeds up the process of settlement and can facilitate reduction in the clearing cycles as well. Moreover, there is no fear of loss of instruments in transit. Further, limitations of the existing clearing system in terms of geography or jurisdiction can be removed, thus enabling consolidation and integration of multiple clearing locations managed by different banks with varying service levels into a nation-wide standard clearing system with uniform processes and practices. CTS also benefits issuers of cheques. Use of images obviates the need to handle and move physical cheques at different points. The scope for frauds inherent in paper instruments is, thus, greatly reduced. The Corporates if needed can be provided with images of cheques by their bankers for internal requirements,if any. As only the images move, the time taken for receipt of paid cheques is reduced which also gives an early opportunity to the issuers of cheques to detect frauds or alterations, if any, in terms of what (and to whom it) was issued and what (by whom it) was realised. CTS brings elegance to the entire activity of cheque processing and clearing. Cheque frauds can be greatly reduced with introduction of minimum security features prescribed under CTS Standards 2010, such as embedded verifiable features such as bar-codes, encrypted codes, logos, watermarks, holograms, etc., for early interception of altered / forged instruments. Obviating the need to move the physical cheques is extremely beneficial in terms of cost and time savings. The benefits from CTS could be summarized as follows – · Shorter clearing cycle · Superior verification and reconciliation process · No geographical restrictions as to jurisdiction · Operational efficiency for banks and customers alike · Reduction in operational risk and risks associated with paper clearing

 9. If a customer desires to see the physical cheque issued by him for any reason, what are the options available?

 Under CTS the physical cheques are retained at the presenting bank level and do not move to the paying banks. In case a customer desires, banks can provide images of cheques duly authenticated. In case, however, a customer desires to see / get the physical cheque, it would need to be sourced from the presenting bank, for which a request should be made to his/her bank. An element of cost / charge may also be involved for the purpose. To meet legal requirements, the presenting banks which truncate the cheques need to preserve the physical instruments for a period of 10 years.

 10. How would be the uniqueness of a physical cheque be captured and imparted to the cheque image ?

 CTS in India mandates the use of prescribed image specifications only. Images that do not meet the specifications are rejected. As the payments are made on the basis of the images, it is essential to ensure the quality of the images. To ensure only images of requisite quality move in the CTS processing cycle, there is a rigorous quality check process at the level of the Capture Systems and the Clearing House Interface (of the presenting bank). The solution encompasses Image Quality Assessment (IQA) at different levels. The presenting bank is required to perform the IQA during the capture itself. Further IQA is done at the gateway before onward transmission to clearing house. The images are captured with digital signatures of the presenting bank and thereafter transmitted to the Clearing House and then to the paying banks. Further, the paying banks, if not satisfied with the image quality or for any other reason, can ask for the physical instrument to facilitate payment processing. Further, the new cheque standard "CTS-2010" prescribes certain mandatory and optional security features to be available on cheques, which will also add to the uniqueness of the images.

 11. What are the image specifications in CTS in the Indian context ?

 Imaging of cheques can be based on various technology options. The cheque images can be Black & White, Gray Scale or Coloured. These have their associated advantages and disadvantages. Black & White images are light in terms of image-size, but do not reveal all the subtle features that are there in the cheques. Coloured images are ideal but increase storage and network bandwidth requirements. Gray Scale images are mid-way. CTS in India uses a combination of Gray Scale and Black & White images. There are three images of each cheques that need to be taken - front Gray Scale, front Black & White and back Black & White.

 12. How are the images of cheques taken ?

 Images of cheques are taken using scanners. Scanners also function like photo-copiers by reflecting the light passed through a narrow passage on to the document. Tiny sensors measure the reflection from each point along the strip of light. Reflectance measurements of each dot is called a pixel. Images are classified as black and white, gray-scale or colour based on how the pixels are converted into digital values. For getting a gray scale image the pixels are mapped onto a range of gray shades between black and white. The entire image of the original document gets mapped as some shade of gray, lighter or darker, depending on the colour of the source. In the case of black and white images, such mapping is made only to two colours based on the range of values of contrasts. A black and white image is also called a binary image.

 13. How the image and data transmitted over the network is secured ? 

The security, integrity, non-repudiation and authenticity of the data and image transmitted from the paying bank to the payee bank are ensured using the Public Key Infrastructure (PKI). CTS is compliant to the requirements of the IT Act, 2000. It has been made mandatory for the presenting bank to sign the images and data from the point of origin itself. PKI is used throughout the entire cycle covering capture system, the presenting bank, the clearing house and the drawee bank. The PKI standards used are in accordance with the appropriate Indian acts and notifications of Controller of Certifying Authority (CCA).

 14. What is Cheque Standardisation and what does CTS 2010 Standard mean ? 

 Standardisation of cheque forms (leaves) in terms of size, MICR band, quality of paper, etc., was one of the key factors that enabled mechanisation of cheque processing. Over a period of time, banks have added a variety of patterns and design of cheque forms to aid segmentation, branding, identification, etc., as also incorporated therein a number of security features to reduce the incidence of cheque misuse, tampering, alterations, etc. Growing use of multi-city and payable-at-par cheques for handling of cheques at any branches of a bank, introduction of Cheque Truncation System (CTS), increasing popularity of Speed Clearing, etc., were a few aspects that led to prescription of certain minimum security features in cheques printed, issued and handled by banks and customers uniformly across the banking industry. A Working Group was set-up by RBI for examining further standardisation of cheque forms and enhancement of security features therein. Accordingly, certain benchmarks towards achieving standardisation of cheques issued by banks across the country have been prescribed like – quality of paper, watermark, bank’s logo in invisible ink, void pantograph, etc., and standardisation of field placements on cheques. In addition, certain desirable features have also been suggested to be implemented by banks based on their need and risk perception. The set of minimum security features would not only ensure uniformity across all cheque forms issued by banks in the country but also help presenting banks while scrutinising / recognising cheques of drawee banks in an image-based processing scenario. The homogeneity in security features is expected to act as a deterrent against cheque frauds, while the standardisation of field placements on cheque forms would enable straight-through-processing by use of optical / image character recognition technology. The benchmark prescriptions are collectively known as "CTS-2010 standard". Indian Banks Association (IBA) and National Payments Corporation of India (NPCI) are co-ordinating with the banks on implementation of the new standard. Accordingly, the cheques issued are tested and certified by NPCI and only after such cerification the cheques would be issued to the customers. All banks providing cheque facility to their customers, have been advised to issue only 'CTS-2010' standard cheques not later than April 1, 2012 on priority basis in northern and southern region which will be part of the northern and southern CTS grids respectively and across the country by September 30, 2012 through a time bound action plan.

 15. What is the prescription relating to alterations / corrections on cheque forms?

 The prescription on prohibiting alterations / corrections on cheques has been introduced to curtail cheque frauds on account of alterations in the various fields of cheques and to give protection to customers as well as banks. No changes / corrections can be carried out on the cheques (other than for date validation purposes, if required). For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words), fresh cheque leaves should be used by customers. This would help banks in identifying and controlling fraudulent alterations. This prohibition is applicable to cheques cleared under the image based Cheque Truncation System (CTS) only and is effective from December 1, 2010. It is not applicable to cheques cleared under other clearing arrangements for the present. 

16. What are the precautions required to be taken by the banks / customers to avoid frauds?

 Banks / Customers should use "CTS 2010" cheques which are not only image friendly but also have more security features. Customers may request/insist their banks for cheque forms that are compliant with the "CTS 2010" standard. They should preferably use dark coloured ink while writing cheques and avoid any alterations / corrections thereon. Preferably, a new cheque leaf may be used in the event of any alterations / corrections as the cheque may be cleared through image based clearing system as enumerated in 15 above. Banks should exercise care while stamping the cheque forms, so that it does not interfere with the material portions such as date, payee’s name, amount and signature. The use of rubber stamps, etc, should not overshadow the clear appearance of these basic features in image. It is necessary to ensure that all essential elements of a cheque are captured in an image during the scanning process and banks / customers have to exercise appropriate care in this regard.

 17. What are the modes in which banks can participate in CTS?

 There are two modes in which banks may participate in CTS – a. Direct membership: Banks may participate as direct member provided they have a settlement account with the settlement bank and have put in place necessary infrastructure for participating in CTS. b. Indirect / Sub-membership: Banks may become sub-members / indirect members of the direct members by using the infrastructure and / or settlement services of the direct members. The settlement for such indirect / sub-member could be done either directly (if such banks have settlement accounts with the settlement bank) or through the direct member through whom they are participating.

18. Is the infrastructure requirement for participating the CTS the same for all banks ?

 The infrastructure required at the banks’ end for participating in CTS are dedicated connectivity from the bank’s gateway to the Clearing House, prescribed hardware and software for the CTS application. RBI provides member banks with the CHI (software). Banks need to procure hardware and other software such as operating system, database and a bouquet of third party software for the CHI. They also need to procure the application software for their capture systems. The hardware requirement / sizing is based on the volume of cheques processed by banks. Based on the volume the CHI is categorised into four types and the hardware requirement is different for each category. The bandwidth requirement for each bank is calculated based a number of factors like the peak inward and outward volume of the bank, average size of an image, efficiency factor of the network, etc. In addition, future requirements have been taken into consideration while calculating the bandwidth requirement.

 19. Whether the Cheque Truncation System has legal sanction?

 With amendments in the Sections 6 and 1(4), coupled with the introduction of 81 A to the Negotiable Instruments Act, 1881, truncation of cheques is now legalized.

20. In case of need for any further clarifications, who can be approached for guidance ?

 For any further clarifications the Contact Persons are – The General Manager, National Clearing Cell, Reserve Bank of India, 7th Floor, Tower 1, Jeevan Bharati Building, Connaught Place, New Delhi – 110 001. The Chief Executive Officer, National Payment Corporation of India, C-9,8th Floor, RBI Premises, Bandra-Kurla Complex, Bandra (East), Mumbai-400 051, FAQ updated on 30/04/2012 

Source :

CHENNAI, DEC 14: The small savings maintained by Indians with the post office have dwindled over the past two years. The outstanding amount held by the post office shrunk by 0.5 per cent in the first half of FY13 after declining by 2.2 per cent in 2011-12. This appears to have been on account of people shifting their savings to avenues offering a higher return.

Once quite popular, certificate schemes have fallen out of favour due to the low rate of interest vis-à-vis bank fixed deposits, tax-free bonds and non-convertible debentures. The government had in November 2011 decided to link rates of these schemes with market rates to bolster their appeal but the move has not attracted investors.

 While post office deposits witnessed a rise during the first half of 2012-13, subscription to various certificates saw a larger fall, resulting in a decline in overall small savings with the post office. The cumulative corpus of savings bank, time deposits and recurring deposit schemes rose by 1.2 per cent in the first half of the fiscal, compared to 3.6 per cent erosion in 2011-12.

The outstanding amount parked in certificate schemes, on the other hand, fell by 3.7 per cent in H1, 2012-13, in the wake of a 2 per cent decline in 2011-12. Postal Public Provident Fund investments rose by 2 per cent in the first half of 2012-13.


The Department of Posts has decided to improve Look and Feel of its post offices through Project Arrow. The project has been launched by modernizing departmental post offices across the country in a phased manner with an aim to make visible, tangible and noteworthy differences in post office operations that matter to ‘Aam Aadmi’. It aims at comprehensive improvement of the core operations of the post office as well as the ambience in which postal transactions are undertaken.
The number of post offices covered for modernization under ‘Look & Feel’ component of ‘Project Arrow’ during the last three years is as follows:
2009-10  -  500 post offices covered
2010-11  -  530 post offices covered
2011-12           206 post offices covered

The Department is diversifying activities in post Office to earn additional revenue which is an on-going process. The IT Platform set up under the IT project will support new products and services. It had diversified its activities to utilize its vast network to sell products and services for other organizations like:
1.     Booking of Railway reserved tickets.
2.     UID enrolment/Delivery of AADHAAR cards.
3.     Selling of passport forms in identified post offices.
4.     Accepting of utility bills in identified post offices.
5.     Disbursement of wages to MGNREGA beneficiaries through Post Office Savings bank
6.     Collection of Rural Price Index Data – the data so collected are electronically transmitted to Ministry of Statistics & Programme Implementation.
7.     Payment of old age pension paid by State Government through Post Office Savings Account and through Money Orders.
8.     Sale of gold Coins.
9.     Provision of New Pension Scheme through Post Officers, etc.

This information was given by Dr (Smt.) Killi Kruparani, Minister of State for C&IT in written reply to a question in Rajya   Sabha today.


The recommendation of Shyamala Gopinath Committee regarding agents’ commission was to reduce commission of 0.5% on Senior Citizens Saving Scheme (SCSS) and 1% on Public Provident Fund (PPF) to zero, reduce 4% commission under Mahila Pradhan Kshetriya Bachat Yojana (MPKBY) to 1% in a phased manner and to reduce 1% commission for all other schemes under Standardised Agency System (SAS) to 0.5%. The Government, after consulting all the stakeholders and the representations received, has decided to reduce the commission under PPF and SCSS to zero and under SAS to 0.5%. However, commission under MPKBY continues to be at 4% for the time being.

The main intention of these recommendations is to make these schemes more investor centric than agent centric.

Representations of Small Savings Agents’ Association from various states including Mumbai were received in the past. Taking into account large number of representations received from Small Savings Agent’s Associations, Members of Parliament, other dignitaries and others, the Government accepted most of the recommendations of the Committee. 

This was stated by the Minister of State for Finance Shri Namo Narain Meena in a written reply to a question in the Rajya Sabha today.


The Cabinet Committee on Economic Affairs, at a meeting chaired by Prime Minister Manmohan Singh, approved the proposal of Rs 4,909 crore towards IT modernization project of the Department of Posts.

 Under this plan, all post offices will be connected through a computer network. This will enable the Department to provide facilities similar to core banking system, besides efficient delivery of services, disbursal of government subsidies and seamless access of its services. 

 The statement said that the IT modernisation project is expected to "provide access (to services of the department) by multiple channels to customers, for example, post office counters, kiosks, internet, mobiles ATMs, etc". 

 In this phase, DoP will provide 30,000 netbooks and 1 lakh handheld devices to its officials and postmen for delivery of services, like subsidies and immediate updation of records, at doorsteps.

 "IT modernisation project has been structured into 8 segments ...such as data centre, network, computers and peripherals, software applications which will cover all the product and services of the Department of Posts, and change management which will help in effective transformation into IT mode," the statement said. 

 Earlier on 2010, government had earlier approved Rs 1,877 crore for IT modernisation project which had been spent and the Department required additional funds for expansion of the project across country.

SB ORDER NO-16 / 2012

It was clarified by SB Order no 16/2012 released 0n 16.11.2011 that NSCs can be purchased by an Adult in the name of a Minor irrespective of any relation.
Please CLICK HERE for the original order

The U.S. Postal Service has partnered with local businesses to sell their products because of expected post office closures

The U.S. Postal Service has partnered with local businesses around the state as a part of its cost-cutting measures. Fourteen so-called Village Post Offices have been created in Indiana, with more expected to open in the coming months. But the managers of some of those post offices have not yet seen the increase in business they were hoping to get out of the partnership.
The Arlington General Store, in a small town southeast of Indianapolis, became a Village Post Office in July. In addition to selling its regular goods, it started selling stamps and collecting packages for the Postal Service. In return, manager Zach Davidson says he expected to get more foot traffic and more people buying his products.
“We were actually expecting them to close the post office shortly after we took over with the Village Post Office,” he says.
But USPS decided not to close the post office. Instead, it now plans to shrink the office’s hours so it will only be open four hours each day–something many post offices around the state are also doing. But the one in Arlington is still running on its normal business hours and is not expected to cut back until 2014. Davidson says that means his general store is not getting as much business as he would like.
“I do sell stamps now and we’ve had a few people come in when their closed to buy stamps or drop off packages, but other than that, until they actually decide to close this one, we’re kind of still in limbo,” he says.
USPS spokeswoman Mary Dando says it takes customers time to learn about the Village Post Office’s services, so she expects business will pick up, especially once the regular post office reduces its hours. She adds USPS wants the Village Post Offices to succeed just as much as their owners do.
“Really we want them to know we are there to support them in every way,” she says. “They are helping us expand the reach of the Postal Service. They are expanding our access.”
Dando says the partnership is based on a mutual contract, so it is in the USPS’s interest to help the Village Post Offices succeed.
Davidson says even though business is slow, he is still glad he agreed to the partnership. He says it is a community effort to keep the Postal Service alive and hopes he will see the economic benefits later.



In a few months, customers will be able to access their savings accounts from any of four select post offices in the city.
The Department of Posts plans to interconnect four head post offices (HPOs) in the city on the lines of core banking technology, on a pilot basis. Customers will also have access to automated teller machines (ATMs) to be set up in the Anna Road HPO, and the post offices in Mylapore, T. Nagar and Tambaram.
A senior official said, “We expect to launch the core banking facility in these post offices by March-end. The system will be introduced in other post offices in the city in a phased manner.”
Measures are afoot to seek ATM equipment suppliers and construct ATMs inside the complexes of the post offices. Once the facility is introduced, customers would not have to spend time waiting at the counters to withdraw cash.
G. Mohan, a resident of Mogappair, said, “I have a savings account in Vadapalani post office. If it is extended to all head post offices, it will be useful to many customers like me who visit the post office frequently to deposit or withdraw money.”
The core banking and ATM facilities are also aimed at saving time for senior citizens. Officials said that core banking would allow customers to carry out transactions from any of the networked branch offices. Account holders could also check the details, with regard to their deposits, online.
As on October 31, there are nearly 45 lakh account holders in Chennai city region, which includes those in other neighbouring districts. Of this, about 20 lakh account holders are in Chennai and its suburbs alone.
This measure would also help in reducing transaction costs for the department. Officials said that all post offices across the State would be computerised and interconnected in a phased manner.
People who hold accounts in banks could also eventually use the ATMs to be set up by the postal department. Depending on the patronage and availability of space, there are plans to provide ATMs in locations away from the post offices.

Source -The Hindu


As a positive development and an appropriate strategy for publicity and securing business Department of Post has approved expansion of the clientele eligible for PLI. Henceforth, the PLI can be extended to the following group:
·         Employee engaged/appointed on contract basis by Central/State Government  where the contract is extendable.
·         Employees of Joint Venture in which Central/State Government/Public Sector Undertaking/ Nationalised Banks have minimum holding of 10 percent.
·         Members/employees of credit Cooperative Societies and other cooperative societies registered with Government under the Cooperative Societies Act and partly or fully funded from the Central /State Govt./RBI /SBI/ NABARD Nationalised Banks and other such institute notified by Government.
·         Employees of Deemed Universities and Educational Institutes accredited by recognised bodies such as National Assessment and Accreditation Council, All India Council of Technical Education, Medical Council of India, etc.and or affiliated to Universities/ Boards etc.
·         Employees of all Scheduled Commercial Banks

Revision of PPOs of pre-2006 Pensioners/family pensioners use of e-scroll for retrieving information from Banks

No.1/20/2011-P&PW (E) (Vol. IV)
Government of India
MinIstry of Personnel, P.G. & Pensions
Department of Pension & Pensioners’ Welfare

3rd Floor, Lok Nayak Bhavan,
Khan Market, New Delhi
Dated: 14th November, 2012


Sub: Revision of PPOs of pre-2006 pensioners/family pensioners use of e-scroll for retrieving information from Banks - reg.

The undersigned is directed to state that Annexure III has been used to obtain in formation from Banks for revision of PPOs of pre-2006 pensioners/family pensioners. It is seen that getting information from Banks is fraught with difficulties. Secondly, the Annexure III sent by the banks are in many cases incomplete to the extent that the calculation details are not available for evaluation by the PAOs and as such the Annexure is being used largely to confirm the existence of the pensioner/family pensioner and to link him/her with the current paying branch.

2. The Central Pension Accounting Office (CPAO) has suggested that e-scroll data, which is being received in CPAO from most of the banks may be used and the problems indicated above may be solved. The e-scroll contains 13 fields of information such as Name of the pensioner, PPO number (New) / PPO number (old), name of the Ministry, PAO code, bank name, BSR code, Account number, pension category, basic pension, DR, Additional Pension, Month of Pay and date of transaction. These fields may be useful for the purpose of revision of PPOs of pre-2006 pensioners/family pensioners. Another utility of e-scroll is that it may be used to eliminate invalid pensioners/family pensioners. 

3. It is seen that the e-scroll is a factual and useful source of information of the pensioners/family pensioners. Therefore, it is recommended that e-scroll may be accepted for retrieving information for revision of PPO, in addition to Annexure III. Ministry of Railways, M/o Defence and Departments of Posts and Telecommunications (for pensioners receiving their pension through banks) are also requested to use e-scroll 
sent by the Banks in addition to Annexure III (Annexure IV in case of Defence pensioners) for the purpose of retrieving relevant information of such pensioners/family pensioners in case of whom Annexure III/IV are not made available by the Banks.

(Sujasha Choudhury)
Deputy Secretary



A meeting of the Executive Committee on Direct Cash Transfers was held today by the Principal Secretary to the Prime Minister along with the Cabinet Secretary. The  meeting was attended by the Secretaries and representatives of the Departments of  Financial Services, UIDAI (Aadhaar), IT, Planning Commission,  Expenditure, Posts, Rural Development, Social Justice & Empowerment, Tribal Affairs, Minority Affairs, Higher Education, School Education, Health & Family Welfare, Women & Child Development, Labour & Employment, Petroleum & Natural Gas, Fertilizers, and Food & Public Distribution.
            The Prime Minister had recently constituted a National Committee on Direct Cash Transfers under his chairmanship and an Executive Committee on Direct Cash Transfers to give a thrust to roll out a cash transfer programme across the country, leveraging the Aadhaar platform.
            The purpose of the meeting today was to move forward and operationalise Direct Cash Transfers for which many steps need to be taken. The necessary steps include (i) identification of areas where Direct Cash Transfers can be introduced, (ii) establishing mechanisms for preparing rollout plans for these areas, (iii) ensuring rapid rollout of Aadhaar to achieve better coverage (at least 80%), (iv) ensuring universal access to banking and financial inclusion and (v) setting up mechanisms to enable cash transfers to actually take place. To facilitate all this, there is a need to constitute other committees including a Technology Committee, a Financial Inclusion Committee and Implementation Committees within each Ministry so as to ensure coordination and quick implementation.
            The agenda for the meeting was to:
        i.            Explain to all committee members the rationale and purpose of Direct Cash Transfers and the institutional architecture that has been put in place for the rollout.
      ii.            Finalise the constitution and composition of the Implementation Committees.
    iii.            Identify areas for introducing Direct Cash Transfers and make arrangements for finalising roadmaps for rollout in each area, keeping in view the roadmap already prepared for Direct Cash Transfers of LPG Subsidy.

            Based on the extensive discussions that took place and the issues raised by the participants, the following decisions were taken in the meeting:
        i.            All departments engaged in transferring benefits to individual beneficiaries will quickly move to an electronic Direct Cash Transfer system, based on an Aadhaar Payment Bridge/ Platform.

      ii.            They will identify the schemes to move to this system and also prepare a roadmap with timelines so that the rollout is smooth and fast. The roadmap for each scheme will broadly have the following timelines:

a.      51 districts      -           from 1 January 2013
b.      18 states                      -           from 1 April 2013
c.       16 states                      -           from 1 April 2014 or earlier.                                    
    iii.            The list of schemes, roadmaps, and timelines will be sent to the Planning Commission and PMO by 20 November 2012
    iv.            UIDAI will set up a dedicated cell of technical experts in UIDAI to facilitate Aaadhaar enabled Direct Cash Transfers and help individual Ministries.
      v.            Department of Financial Services will go for universal Financial Inclusion through individual Bank Accounts for all in line with the roadmap.
    vi.            UIDAI will rollout Aadhaar speedily in line with the roadmap.
  vii.            Departments will work towards digitising their databases quickly, particularly at the state level with the help of state governments, DeITy and NIC to ensure convergence.

            The Prime Minister will be holding the first meeting of the National Committee on Direct Cash Transfers on 26 November 2012 where the roadmap and timelines will be presented.



Demands for Strike on 12.12.12

1.  Appoint Seventh Pay Commission for revision of wages of Central Government Employees including Gramin Dak Sevaks from 01.01.2011.

2. Grant merger of 50% DA to all including Gramin Dak Sevaks from 01.01.2011.

3. Remove restrictions on Compassionate appointments.

4.Departmentalization of GDS and grant them all benefits of regular employees. Revise cash handling norms; withdraw open market recruitment in Postmen/MTS, Grant full protection of TRCA. Grant Time bound promotions. Implement Medical reimbursement Scheme etc.

5.End Bonus discrimination and enhance the bonus ceiling of GDS to 3500/-

6. Regularize the Casual, Part-time, contingent employees and grant revise pro-rata wages from 1.1.2006.

7. Revise Overtime allowance and Night Duty allowance.       

8. Stop downsizing, outsourcing, Contractorisation and privatization.

9.Grant Five promotions to all.

10. Implement all Arbitration awards.

11. Ensure prompt functioning of JCM at all levels.

12. Withdraw PFRDA Bill.

13. Stop price rise and strengthen public distribution system.

14. Withdraw all trade union victimization.

15. Enact laws to grant Right to Strike to Government employees.

Central Administrative Tribunal (CAT) says the employee should be reinstated as the disability occurred during the course of employment

The Central Administrative Tribunal on Monday came to the rescue of a BSNL junior technical officer (JTO) left partially paralysed by a stroke, directing the principal chief engineer of BSNL, Tamil Nadu zone, to allow him to report for duty in his post. The tribunal said the telecom company would have to accept the decision of the medical board and endorse the leave application of the JTO, M Manoharan.

 The judicial member of the tribunal, G Shanthappa, said Manoharan had established that he should be granted relief and quashed a September 23, 2011 order that refused to allow the petitioner to rejoin as JTO . Manoharan suffered a massive stroke on June 1, 2002 that paralysed his arms and legs. He was not able to speak and was under continuous treatment for two years. 

The respondents in the case included the Executive Engineer (civil), the Superintending Engineer and sub-pision engineer (civil) of BSNL in Ambattur. “A competent medical authority examined the applicant and stated that the applicant suffered medical disability during the course of employment. The stand taken by the respondents is rejected,” Justice Shanthappa said.

 Manoharan told the tribunal that he applied for leave after the stroke and returned to duty on January 12, 2004. However, the chief engineer of Chennai Telephones, KK Nagar, the fourth respondent, directed the petitioner to appear before the medical board and obtain its opinion whether his fitness allowed him to perform his duty as JTO.

 As advised by the board, he proceeded on ‘commuted leave’ for 90 days from September 13, 2010 and underwent various treatments including physiotherapy. But his seniors did not permit him to rejoin duty. They informed him that the regional medical board of Government General Hospital had on December 10, 2010 declared that he was medically unfit to perform his duties as JTO.

 “The respondents did not accept the medical report of the applicant and did now allow him to rejoin duty,” said the tribunal’s administrative member, R Satapathy. “The stand of the respondents is not correct. It is illegal and violates of principles of natural justice.” 

Citing the Supreme Court’s 2008 order in Bhagwan Dass vs Punjab Electricity Board, Justice Shanthappa said Manoharan had submitted documents to show that his medical disability had occurred while in service, and this was confirmed by Government General Hospital, so the respondents could not refuse to reinstate him. 

Source: Times of India


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Holding of Limited Departmental Competitive Examinations for filling up of posts of Posts of Postman/Mail Guard and MTS: Fresh Notification will be issued

Department of Posts, India,
Office of the Chief Postmaster General, Odisha Circle,
Bhubaneswar – 751 001
The PMG, Sambalpur / Berhampur (GM).
All the SSPOs / SPOs/SSRM “N” Division, Cuttack / SRMs in Odisha Circle.
The Officer-in-Charge, P&T Admn. Cell, C/o 56 APO.

No.RE/30-13/75(Rlg)/Corr,         dated at Bhubaneswar the    01-11-2012.

Sub:     Holding of Limited Departmental Competitive Examinations for filling up of posts of Posts of Postman/Mail Guard and MTS.

I am directed to invite reference to this office letters No. RE/30-22/2012, dtd.15.10.2012 and No.RE/30-13/2012, dtd.15.10.2012 wherein notifications for holding the Postman / Mail Guard Examination on 20.01.2013 and MTS Examination on 27.01.2013 were issued respectively in pursuance of examination schedule communicated vide Directorate letter no.A-34012/01/2011-DE, dtd.8.10.2012.

In the meantime, the Directorate vide letter no.A-34012/01/2012-DE, dtd.19.10.2012 has withdrawn its earlier letter no.A-34012/01/2012-DE, dtd.8.10.2012 mentioning that instructions issued by the Nodal Branch Staff Section of the Directorate vide letter no.45-2/2011-SPB.I, dtd.18.10.2012 are to be followed in the matter.

In view of the above, the notifications issued by this office on 15.10.2012 as mentioned above for holding the Postman /Mail Guard Examination on 20.01.2013 and MTS Examination on 27.01.2013 are hereby withdrawn. The schedule of activities mentioned in the notifications may be ignored.

Fresh notification for holding the Postman / Mail Guard and MTS Examination will be issued in due course.

(B B Mohanty)
Asst. Director (Rectt.), For Chief Postmaster General, Odisha Circle,

 Copy for kind information to:
1.       The ADG(DE), Department of Posts, Dak Bhawan, Sansad Marg, New Delhi-110 001 w.r.t. Directorate letter no.A-34012/01/2012-DE, dtd.19.10.2012.
2.       The ADG(SPN), Department of Posts, Dak Bhawan, Sansad Marg, New Delhi – 110 001 w.r.t. Directorate letter no.45-2/2011-SPB-I, dtd.18.10.2012.
3.       Circle Secretaries of all recognized Union / Association in Odisha.
4.       Sr. PS to CPMG, Odisha.
5.       PA to DPS(HQ) / PA to DPS(BD)
6.       The APMG(Vig), Circle Office, Bhubaneswar.
7.       The AD(Staff), Circle Office, Bhubaneswar.
8.       The AD(EST), Circle Office, Bhubaneswar.
9.       Office copy.

Asst. Director (Rectt.), For Chief Postmaster General, Odisha Circle,


Copy of PLI Directorate letter No. 29-08/2009-LI (Pt) dated 25.10.2012

All Heads of Circles
Addl. DG (APS)

Sub: Introduction of facility of automatic credit of PLI/ RPLI monthly premium from savings account of insured persons.

   In the last few years, there has been massive expansion of Postal Life Insurance (PLI) and Rural Postal Life Insurance (RPLI). However, it has been noticed that a number of policies particularly in RPLI lapse after a while. One of the reasons for lapsation is absence of convenient ways of depositing premia of the policy(ies). As such, it was under consideration of the Department to provide facility of automatic deduction of premia from Savings Account so that (i) the policy holder(s) need not have to visit Post Office every month for depositing premia of his PLI/ RPLI policy and (ii) lapsation of PLI/ RPLI policies gets reduced.

2. The competent authority has now approved the proposal for providing the facility to the policy holder of PLI and RPLI to get premium deposited/ credited by deduction of the same directly from his Savings Account standing in Post Offices. However, this facility can be opted by only those policy holders of PLI and RPLI whose Savings Accounts are maintained in the Departmental Post Offices (GPOs, HOs, MDGs or 50s).

3. It is requested to kindly take necessary action for implementation of aforesaid scheme and wide publicity may also be given for this scheme through various publicity channels.

4. Accounting and operating procedure for automatic transfer of premium of PLI/ RPLI from Savings Accounts of the policy holder is enclosed for information and action accordingly.

5. It is further informed that till the provisions are made in the software, automatic credit of PLI/ RPLI monthly premium by deduction from savings account of the policy holder will have to be done manually.

(A.K. Poddar)
General Manager (O)


 No.2012/TG-I/20/P/NRH PRS 
New Delhi, dated 16.10.2012 

 The General Managers,
 All Zonal Railways.

(Commercial Circular No.63 of 2012)

Sub: Extension of Memorandum of Understanding (MoU) signed between Ministry of Railways and Department of Posts for issuing of reserved tickets through computerized Passenger Reservation System (PRS) terminals provided in Post Offices.

Please refer to this office letter of even number dated 08.08.2007 forwarding therewith a copy of MoU signed by Ministry of Railways with Department of Posts on 31.07.2007 for issuing of reserved tickets through computerized PRS terminals provided in the post office. This MoU was valid for a period of five years. 2. The issue regarding extension of this MoU has been examined in consultation with Finance Directorate of Board Office and it has been decided to grant post facto sanction for extension of this MoU for another five years on the existing terms and conditions. 3. Necessary instructions may be issued to all concerned.

(Dr. Monica Agnihotri) 
Director Passenger Marketing 
Railway Board


Srinagar, Oct 24: Kashmir Valley will have at least 25 modern Post Offices by the end of this fiscal.

Chief Post Master General, John Samuel said this at a function here today.

He said five modern Post Offices would be made operational in November including four in the City alone. He said many other postal facilities like ‘same day delivery’ are also being introduced. 

An attraction at the post offices, John said, would be introduction of “Singapore Pattern” of mail delivery. “Under this, mails would be delivered on the same day, a first of its kind facility in the country,” he said.

“We are going to provide new services including Speed Post and Parcel Delivery.  The mails or couriers for this should reach the Post Offices up to 8 AM only. This is the Singapore Pattern and J&K will be the first place in entire India to offer the facility,” he said, adding that the facility of delivery of such assignments would be intra-state.

“There will also be a special facility for inter-district courier services. The consignment should reach us by 11 AM for this service,” John said.

John said launching of these schemes would create many jobs in the department. “The posts would be filled up on merit especially in the rural areas.” “Rural Post offices will be focal point for the development,” he added.

He said the post offices shall operate round the week without observing any holiday including Sunday. He said the post offices shall remain off only on three days a year namely October 2, January 26, and August 15.


The 7 days long Indefinite Strike by GDS employees called off. During the fresh round of talks held between GDS Union representatives and Directorate Officers, the Department has assured the leaders to take positive action on strike demands.


The talks held between the GDS Union representatives and Department Officers failed to reach any amicable settlement on strike demands. GDS Union leaders decided to continue the Indefinite Strike.

 The charter of demands of the strike is as follows; 
• Grant status as government servants to GDS employees as recommended by Justice Talwar committee and as per the judgment given by Hon'ble Supreme Court in 1977.
• Grant bonus to GDS employees similar to government servants.
• Provide medical benefits.
• Grant compassionate appointments in all cases by removing irrational conditions and restrictions/norms prescribed recently.
• Stop abolition of GDS posts and filling vacant posts in all categories of GDS in postal and RMS offices.
• Increase of salary after certain period.
Vigilance Awareness week from 29/10/12 to 3/11/12. The theme of this year's Vigilance Awareness Week is "Transparency in Public Procurement".


Postal Directorate, New Delhi vide Letter No. 26-05/2012-PAP dated 18/10/2012 announced
60 days PLB (Productivity Linked Bonus) for the accounting year 2011-12 for postal employees in MTS, Gr-C and non Gazetted Gr B cadres and exgratia payment of Bonus to regularly appointed GDS. No change in ceiling of Rs 3,500/- to MTS, Gr-C and non Gazetted Gr B cadres and Rs 2,500/- to GDS.

78 Days Bonus for Railway Employees

Employees of Indian Railways will get 78 Days productivity linked Bonus for the year 2011-12. It will be announced officially after taking approval of the cabinet during the meeting on 18.10.2012.Out of the total employees of 13.26 lakhs, 12 lakhs employees are eligible to get Bonus and the estimated additional expenditure to the Railways on payment of Bonus is around one thousand crores. For the financial year 2010-11 also, 78 days Bonus was declared.


The postal department has planned to set up a floating post office during the Kumbh mela in 2013 for the convenience of devotees and seers enjoying their holy dip in the sangam.


A year is all that you have to wait for the postal department to launch a service where you get a receipt as a proof of safe delivery of “accountable articles” to the addressee of your choice.

The receipt or acknowledgement will come to a customer with the photograph and signature of the person who receives the article. The service is likely to be launched by the end of 2013.

Disclosing this at an interaction with customers here on Thursday, K. Chandrashekar, Senior Superintendent of Post Offices, Mangalore Region, said the “accountable articles” covered speed post, registered post and registered parcels.

He said that postal staff would carry a hand-held device with them to take the photograph of the addressee. 

Dr. Chandrashekar said that India Post was now working on the service (as a pilot project) and was likely to launch it by the end of 2013. India Post had launched mechanised sorting out (automatic mail processing) of postal letters in Delhi. It was being implemented in Kolkata now. It would be launched in Bangalore and Chennai next. Once it was implemented in a postal centre, it was mandatory to write the PIN (personal identification number) code on the letters.

A registered post or a parcel should be delivered only to the addressee. If not, it would be an “irregularity”, he said.

Dr. Chandrashekar said that the department aimed at computerising post offices in villages by the end of 2013.

He said speed post and registered post services at post offices in Ashoknagar, Hampankatta, Balmatta, and Surathkal and head post office at Pandeshwar had been extended up to 7 p.m. Railway mail service at the Central Railway Station worked for 24 hours all days.

The Hindu


Ministry of Communications & IT
Department of Posts
Business Development & Marketing Directorate
5th Floor, Dak Bhawan
New Delhi-110001
No.36-16/2012-BD&MD                                                                                                                                             Dated 05.10.2012
All Heads of Circles

Sub: -     Sale of Gold Coins through Post Offices. 

This year Dhanteras will fall on 11.11.2012 which is a Sunday. ‘Dhanteras’ is an auspicious day for buying gold. In this connection, I have been directed to say that there is a business opportunity for us to generate revenue by keeping the Post Offices open on Sunday 11.11.2012.

2.             In view of the above, Heads of Circles are requested to open such Post Offices where they see the opportunity for revenue generation on Dhanteras, this year. 

(Anula Kumar)
Addl. General Manager (BP)

Copy to :- Sri Sanjay Wadhwa,Reliance Money Infrastructure Ltd. 570, Rectifier House, Naigaum Cross Road, Next to Royal Industrial Estate, Wadala(W), Mumbai-400031

Department of Posts, India
O/o The Chief Postmaster General,
Odisha Circle, Bhubaneswar-751001,
Phone/Fax: 0674-2394362,    e-mails:

No.BD/8-56/2008-Ch-I                                                                                        Dated at Bhubaneswar the 09.10.2012
The SSPOs/SPOs  of Bhubaneswar/ Berhampur /Sundergarh /Puri/Cuttack City/Cuttack North/Cuttack Sounth/Bhadrak/Mayurbhanj/ Balasore/Sambalpur /Dhenkanal Division.

Sub-:      Keeping Post Office  open on Sunday   11.11.2012 occasion of Dhanteras  for Sale  of gold coin.
This Year Dhanteras will fall on 11.11.2012 which is a Sunday. “Dhanteras is an auspicious day for buying  gold. There is a business opportunity for us to generate revenue by keeping the Post Offices open on Sunday 11.11.2012.
 In this connection, I am directed to  request you to issue  suitable instructions to Concerned Post offices of your jurisdiction  to open Post Offices for revenue generation  on  Dhanteras, this year. The receipt of this letter may be acknowledged and arrangement confirmed, if there is opportunity  for revenue generation  on Dhanteras this year. The Directorate e-mail in this issue  is attached herewith.
Encl:- As Above.
                                                                                                                         O/o the Chief PMG,Odisha Circle

Acceptance of Passport Application forms in Speed Post counters:-Regarding

Department of Posts, India
Office of the Chief Postmaster General,
Orissa Circle, Bhubaneswar-751001
No. BD/12-2/2010                                                               Dated at Bhubaneswar the 09.10.2012
            All SSPOs/SPOs in Odisha Circle.

Sub:     Acceptance of Passport Application forms in Speed Post counters:-Regarding

Ref:-    A/119, Unit-VIII, Nayapalli, Bhubaneswar
I am directed to forward here with a copy of letter bearing No. A/119, Unit-VIII, Nayapalli, Bhubaneswar issued by Passport Officer, Bhubaneswar RPO for information, guidance and necessary action.
It is requested to ensure for wide circulation and implementation of instruction contained in the referred letter on the above subject.
Further it is also requested to utilize the service of the staff, who have been trained at Passport Office, Bhubaneswar.
 Encl: As above
O/o the Chief Postmaster General,
Orissa Circle, Bhubaneswar-1
Copy for information and necessary action to:-
1.         The Postmaster General, Berhampur/Sambalpur Region.
2.        The Passport Officer, Regional Passport Office, Bhubaneswar w.r.t letter A/119 Unit-VIII, Nayapalli, Bhubaneswar  dtd. nil.