The following Rules and Manuals are referred in respect of Savings Bank Operations and services:
The Government Savings Banks Act, 1873 The Government Savings Certificates Act, 1959 The Post Office Savings Bank General Rules, 1981 The Post Office Savings Account Rules, 1981 The Post Office Recurring Deposit Rules, 1981 The Post Office Time Deposit Rules, 1981 National Savings Scheme Rules, 1992 Post Office (Monthly Income Account) Rules, 1987 Indira Vikas Patra Rules, 1987 National Savings Certificates (VIII Issue) Rules, 1989 Kisan Vikas Patra Rules, 1988 National Savings Scheme Rules, 1987 The Post Office Savings Certificates Rules, 1960 Senior Citizens Savings Scheme Rules, 2004 Post Office Savings Bank Manual Volume I Post Office Savings Bank Manual Volume II 1. POST OFFICE GUIDE PART-I
The Post Office Guide Part I relates to Inland Post. It contains clauses related to
Organization of the Department, Type of Post Offices, Business Hours, Post Office Holidays, Payment of postage, stamps and stationery, Franking machine, Spoiled or defaced stamps, Fictitious stamps, General rules as to packing, sealing and posting, manner of affixing postage stamps, Methods of address, Certificate of posting, Recall of posted article, Delivery of mails, Refusal of article, Obligation to pay charges, Recovery of charges due, Payment of money orders, Post boxes, post bags, Identity cards, Post restante, Redirection, Instruction regarding address change, Post office monopoly in the conveyance of letters, Legal responsibility of the post, Services which cannot be claimed, Licenses for sale of postage stamps, Secrecy, Non-exchange of postage stamps and stationery, Acceptance of small coins, Articles addressed to deceased persons, Liability to detention of certain mails, Facilities provided by postmen in rural areas, Issue of post office forms, Acceptance of cheques, Last dates for payment of dues, Letter and parcel post, Special packing instructions, Letter cards, Post cards, Business reply service, Book packets, Book packets containing printed books, Book packets containing periodicals, Pattern and sample packets, Blind literature, packets, Registered newspapers, Parcel, Air mail services, Registration, Insurance, Value payable articles, Official postal articles, Prohibited articles, Money orders, Telegraphic money orders, Indian postal order, Philately, Postal life insurance. 2. POST OFFICE GUIDE PART-II
Post office Guide part-II relates to Foreign Post. It contains clauses relating to
definition of Foreign Post, category of Foreign Postal Articles, Universal Postal Union, Asian Pacific Postal union, General applicability of Inland Regulations, general regulations applicable in the Letter Post, Conditions relating to various classes of Letters Post i.e. Post cards, Printed papers, Small Packets and Literature for Blinds, Conditions relating to various special services in the Letter Posts, Parcel Post, Insured Parcels, Compensation for loss, damage or abstraction of contents, Parcels for delivery free of all charges and fees, money order, Air Mail Money orders, Telegraphic Money orders, British Postal order, Irish Postal order, V.P. and C.O.D. Services, Custom Control, Prohibitions and Restrictions, Enquiries and Complaints, Prohibitions and Restrictions applicable to various Countries and Details of countries providing optional services and other special provisions. 3. POST OFFICE GUIDE PART-III
It has two volumes containing the list of Post offices.
4. POST OFFICE GUIDE PART-IV
Post office Guide Part-IV relates to Post office Savings Bank and Post office Saving Schemes. It consists of the sections relating to
Post office Saving Bank General Rules, Post office Savings Accounts rules, Post office Time Deposits Rules, Post office Recurring Deposit Rules, Post office Savings Certificates Rules, National Savings Certificates (VI- Issue), National Savings Certificates (VII-Issue), National Savings Certificates (VIII-Issue) and Social Security Certificates Rules. 5. POSTAL MANUAL VOLUME–I
POSTAL MANUAL VOLUME –I 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 Post Boxes order, 1956 6. POSTAL MANUAL VOLUME–II
Volume II Contains Rules relating to: -
Organization of the Department, Appeal and petition, Institutions and defense of civil suits, Criminal proceedings, Employment of Govt. pleader, Compensation for loss of property, Medical aid, Security deposits, Stock, Forged, counterfeit and defaced postage stamps, coins and currency, Printings, Contracts, Buildings, Budget estimates and control and Misc. rules relating to official display of National flag, National anthem and National song, Naming and Changing of name of Post office, Correspondence, Cover containing official documents, Initial and signing the documents, Erasing, Case mark system, Personal files, Manual correction slip, Admittance of stranger, Maintenance of order and tidiness in office, Inland Postal Service articles, Transmission of official correspondence by foreign Post, Service money order, Reports and returns, Secret and confidential papers, Books and publications, Maps, Annual Reports, Behavior with Public, Publication for sale, Departmental Identity Card, Thumb and finger impression, Deep changing of surname, Uniforms, Production of record before Courts. 7. POSTAL MANUAL VOLUME III
This postal manual contains rules on the following chapters and schedules:
Discipline Central Civil Services (Classification, Control and Appeal) Rules 1965, Rules relating to appointments, penalties, and appeal of employees excluded from the operation of the Central Civil Services (Classification, Control and Appeal) Rules 1965, and Schedules showing the administrative powers of the different classes of Officers of the Indian Postal Department, Other than those vested in and exercised by them under (1) the Indian Post office Act and the Indian Post office Rules, (2) Rules for guidance of Depositors in Post office Savings Bank, (3) The cash Certificate rules, and (4) Compilation of fundamental and supplementary Rules. 8. POSTAL MANUAL VOLUME-IV (WITHOUT APPENDICES)
This Postal manual contains general rules relating to: -
Appointment and Promotion Transfer and Posting Leaves Pension and Gratuities and Special rules for Appointment and Promotion of: -
Gazetted Officers of Post office and RMS Non-gazetted officer of Post office and RMS Class-IV servants of Post office and RMS Class-IV servants of Circle office Class-IV servants of Postal Dispensaries and General Rules relating to: -
Revision of Establishments and Establishment of Post offices and RMS. 9. POSTAL MANUAL VOLUME-IV (APPENDICES)
This Volume consists of Appendices relating to: -
Rules for recruitment of Indian Postal Services Class- I Junior and Senior Time Scale Rules for recruitment of the Post of Time Scale Clerks of Post offices and Sorter in RMS Rules for recruitment to the service of RMS Sorters and clerks in Post offices Rules for recruitment to the service of clerk in RLO Rules for recruitment to the Cadre of Postmen, Village Postman and mail guards. Rules for recruitment to the cadre of Postal Asst. in Circle offices and Administrative offices. Volunteers for Army Postal Services Central Civil Services (Extra Ordinary Pension, Rules) Grant of honoraria for setting Question Papers, Valuation of Answer books and for Supervision and Investigation duties in respect of various Departmental Examination. Rules for recruitment to the Cadre of Stenographer. Rules relating to Departmental Examination. Rules for recruitment to the Post of Accounts officer. Rules for recruitment to the Post of Daftaries and Jamadars. Rules for recruitment to the cadre of Asst. Hindi Supervisors. Rules for recruitment to the cadre of Postal Asstt. In PSD. Rules for recruitment to the cadre of Postal Asst. in CSD. Syllabus for on the job training of candidates appointed as clerks in Mail Motor Service. Rules for recruitment to Work Shops and Stores Rules for recruitment to the Cadre of PA, SBCO Rules for recruitment to the cadre of Overseer Rules for recruitment to the Post of Asstt. Supdt. Posts and Inspector Posts Rules for recruitment to the Post of Office Supdt. In Postal Circle Office Rules for recruitment to the Post of Staff Car Driver Rules for recruitment to the Post of Auxilliary Nurse Midwives Rules for recruitment to the Post of Nurses (non- resident)
10. POSTAL MANUAL VOLUME V
This volume contains the rules on the following subjects: -
Definitions Miscellaneous Rules Investigation Transmission of mails under the weighment system and appendices relating to rules for treatment of Navel Mail by Post and RMS offices Issue of Sorting List and Conventions Period of Preservation of Records 11. POSTAL MANUAL VOLUME-VI Part-I
This Postal manual contains rules relating to: -
Mails. Sorting. Delivery. Deposits. Registration. Parcel. Insured. Valuable Payable Articles and Miscellaneous Rules. 12. POSTAL MANUAL VOLUME-VI Part-II
This Postal manual contains rules relating to: -
Money Orders. Indian Postal Orders. British Postal Orders and Irish Postal Orders 13. POSTAL MANUAL VOLUME-VI Part-III
This Postal manual contains rules relating to: -
Sub-accounts. Accounts in Sub Post Offices. Duties of Postman. Duties of Letter Box Attendants and Appendices.
14. POSTAL MANUAL VOLUME-VII
Postal Manual Volume VII contains Rules relating to: -
Transit Section and Mail Offices. Sorting Mail Offices. Record offices. Mailmen and Van Attendants. Mail Operations. Bag Accounting. Camp Articles. Governing the Relations between Railway Administration and Post office in regard to train timings. List of work-papers issued to Sections and Mail Offices and. Misc. Rules relating to Railway Mail Services. 15. POSTAL MANUAL VOLUME-VIII
Postal Manual Volume VIII contains Rules relating to: -
Personal duties of Heads of Circles and Misc. Rules related to Circle Offices. Personal duties of Assistant Superintendents of Post/ Inspectors of Posts. Personal duties of Town Inspector Of Post offices/ Public Inspector of Post offices. Personal duties of Overseers and Postmen. Personal duties of Assistant Superintendents/ Inspectors of Railway Mail Service. Stock Depots. Returned Letter Offices. Breaks and Accidents. 16. BRANCH OFFICE RULES
This book contains rules on the following subjects for the guidance of GDSs working in Branch offices: -
Mails Sorting Delivery Registration Parcels Money orders Postal orders Accounts Telegram and Miscellaneous Rules relating to function of Branch Offices. 17. FINANCIAL HANDBOOK VOLUME I
This volume contains the following Chapters.
INTRODUCTORY General Principles and Rules General Outlines of the Systems of Accounts Relations with Audit Cash Supply of Funds and Other Remittance Transactions Revenue and Miscellaneous Receipts Pay and Allowances: General Rules Bills of Gazetted Government Servants Establishment Contingent Charges Miscellaneous Charges Loans and Advances to Government Servants Sanction Depots Buildings and Railways Mail Service Vans Provident and Other Funds Miscellaneous Subject and appendices on the following matter Table of Concordance. List of Financial Rules Different classes of receipts exempt from Stamp Duty Instructions for regulating the enforcement of responsibility for losses, etc. Rules regarding the destruction of accounts records appertaining to the accounts audited by the Indian Audit Department List of remittance transactions of Post Offices with other departments under the Government of Indian audit Department. List of remittance transactions of Post Offices with other departments under the Government of India List of remittance transactions with private firms etc. Rules regulating the preparation of Last Pay Certificates in case of transfer on duty or of return from leave. Statement showing the disbursing offices at which office establishment pay bills of the Indian Posts and Telegraphs Department (including the Posts and Telegraphs Audit Offices) are cashed. Procedure for disbursement of pay and allowances of establishment. Miscellaneous rulings relating to office expenses. List of important items to be classified under ‘Other Contingencies’ and list of important articles in common use in the Posts and Telecommunications Departments, the cost of which should be classifiedunder ‘Liveries and Uniforms’. ‘Operational and Minor Equipment for Post Offices and RMS Offices’ and ‘Purchase and Repair of furnitures’ below contingencies. Rules for the supply of articles and subsidiary instructions for the guidance of officers who are required to make purchase of stores required for the public service. Instructions for the purchase of stores through Central Purchase Organization (Director-General, Supplies and Disposals, New Delhi/India Supply Mission, London/India Supply Mission, Washington). Rules regulating the purchase of Stationery Stores for the public service. Directions regulating Inter-Departmental transfers. Rules relating to the procedure of work done in Postal Seals Office, Aligarh. Conditions governing issue of Government Drafts. Hints on detecting counterfeit coins List of approved Banks Application form for advance/final withdrawal from Provident Fund. Application forms for final payment of balances in the Provident Fund, etc. Objects of the P&T Development Fund and Revenue Reserve Fund, etc. Procedure for accounting of certain categories of deposits. Co-operative Credit Society Dues. History of the convention governing relations between P&T and General Revenues. Procedure for the accounting of advances on account of pay and traveling allowances on transfer. 18. FINANCIAL HAND BOOK VOLUME- II
This Financial Hand Book consists the rules relating to: -
Supply of stamps Revenue Receipts Post office Accounts Railway Mail Service Accounts Miscellaneous Charges Pension Payments Miscellaneous subjects and appendices Table of Concordance Rules for supply and Distribution of stamps Rules relating to payment of interest on stock certificates Rules relating to the procedure to be followed when the status of a Post office is changed or when a Post office is closed. Rules relating to the conveyance of mail and construction, haulage and maintenance of Postal Vehicle and List of forms referred in Rules and Appendices in this volume. 19. FOREIGN POST MANUAL
Foreign Post Manual contains the rules relating to: -
General Principles of the Universal Postal Union, Acts of the Union, Asian Oceanic Postal Union, Letter Post Items, Terms and Expressions commonly used in international post, Books of reference published by the International Bureau and the Postal administrations, Correspondence with other Administrations, Methods of Payment. Prepayment of Postage in Cash, Free Postage, Treatment of cotraband and prohibited articles, Counterfeit or fraudulent stamps and impressions, Preservation of records. Outward Surface Mails Inward Surface Mails Closed Surface mails in Transit Outward Air Mails Inward Air Mails Closed Air mails in Transit Closed Air mails in Transit Naval mails Bags Enquiries and Responsibility for Loss, Damage Etc. Surface Letter mail Accounts Accounts Related to Air Mail Conveyance Dues General Principles relating to Parcel Service Outward Surface Parcels Inward Surface Parcels Closed Surface Parcel mails in Transit Outward Air Parcel Mails Inward Air Parcel Mails Closed Air Parcel mails in Transit Enquiries and Responsibility for Loss, Damage Etc. in Case of Parcels Parcel Accounts V. P. And C.O.D. System Foreign Money Orders “Through” Foreign Money Orders Foreign Telegraphic Money Orders Method of Settlement of Account General Account With The United Kingdom Budget and Statistics And Appendices consisting the Names of members countries of the UPU and the Optional Agreements to which they subscribe Names of the offices to which or offices to whom enquiries relating to unregistered item should be Addressed in different countries List of Foreign Countries/ Administrations for which an Enquiry regarding registered article should be forwarded direct to the office of destination instead of the office of Exchange. Names of the Countries for which Mumbay, Kolkata, Delhi, Chennai and Patna function as office of Exchange for surface parcels Mode of settlement of balance of accounts with Foreign Administration List of currencies in which payments are to be made or receipt accepted by India Name of countries/ territories, which insist on a separate Dispatch Note for each Parcel. 20. SCHEDULE OF FINANCIAL POWERS
This Schedule contains the financial Powers of the following authorities/ officers of the Department Of Posts: -
Postal Services Board Director General, Postal Services Head of Circle Regional Director/ Area manager Senior Supdt. of Post offices, Senior Supdt. of RMS, First Class Postmaster (including Presidency Postmaster),Dy. Director Foreign Post Mumbai, Supdt. Foreign Post Kolkata and New Delhi, Group ‘B’ Postmaster Supdt. of Postal Seals, Aligarh. Principal of Postal Training Centre Dy. Supdt of RMS Director/Dy. Director PLI Kolkata Supdt. of Postal Stores Depot. Accounts Officer, ICO (SB) and Central Pairing Officer, New Delhi. Manager MMS. 21. POSTAL ACCOUNTS MANUAL VOLUME I
This manual contains rulings on the following subjects: -
Definitions and general system of Accounts. Organisation and Control Postal Accounts Work Book and Compilation Remittances Annual Accounts of Central Govt. Transfer Entries Journal and Ledger Cost Calculation Pension Service and other Funds Capital Account Misc. Checks Checking of Receipt Entitlement, Authorisation, and Ddrawal of Pay and Allowances of Group ‘A’ or ‘B’ officers Internal Check Inspection and Appendices relating to Extent of Checks and Review, conducted in Postal Accounts Office Statement /Returns dealt with in the Account Current Section Period of preservation and destruction of records in Postal Accounts Offices List of Forms Referred to in Postal accounts Manual Vol. I List of Account heads of the Postal Receipts and Disbursements (printed separately) 22. POSTAL ACCOUNTS MANUAL VOLUME II
This manual contains rulings on the following subjects: -
Government Securities Post office Certificates Section (I) – Inland Money Order Section (II) – Foreign Money Order Indian Postal Orders British Postal Order International Reply Coupons Irish Postal Order Savings Bank etc. Custom Duty Army Postal Service Accounts and Appendices relating to: - Periodical Returns to be rendered by the Branch Postal Accounts Offices List of Forms referred to in this Manual 23. APPENDIX V TO THE POSTAL ACCOUNTS MANUAL VOL-I
This Appendix contains List of Account Heads of Department of Posts Receipts and Expenditure. 24. Book of Postal Account Forms Part I & II
25. POST OFFICE SAVINGS BANK MANUAL VOLUME I
This Manual contains Rulings on the following subjects: -
Savings accounts Recurring Deposit Accounts. Duties and Responsibilities of postmaster Time Deposit Accounts Public Provident Fund Accounts National Savings Scheme 1987 Monthly Income Account Scheme1987 and Appendices relating to: - Cheque System in Post office Savings Bank Pay Roll savings scheme Preservation Period of SB Records Memo of admission of SB transfer Register of Verification memos for withdrawal of Rs. 2500/- and above at BOs/ Single handed SOs Claim Application form for settlement of SB Account of the deceased depositor, where the claim is prepared on legal evidence of heirship. Sanction for the payment of the amount of a Saving Bank Account in the name of a deceased depositor Application for the purpose of availing the facility of automatic transfer from SB Account to RD account Register of automatic transfer from SB to RD account Proforma for the Register of applications for transfer received and advices of transfer dispatched Application for issue of a duplicate Pass book Incentive scheme for GDS Sub and Branch Postmaster Payment of P&T and Railway Pensioners through Post office Savings Bank. Questionnaire for inspection of Saving Bank Branch and CO of Head Post office by the Accounts Officer ICO (SB) Questionnaire for inspection of SBCO by the Officer of the Circle office – Regional Director and Sr. Supdt./ Supdt. Os/Postmaster Gazetted. Responsibility of Divl. Supdt. towards SBCO Questionnaire for inspection of the office of AO ICO (SB) Statistical Highlights Syllabus for training of SB Counter Assistants Syllabus for training of Supervisor in SB Work. 26. POST OFFICE SAVINGS BANK MANUAL VOLUME II
SAVINGS CERTIFICATES
Definitions Delegation of duties Stocking and supply of certificates Custody of Certificates Maintenance of the Stock Register Disposal of surplus stocks Yearly lists of unsold certificates Yearly list of unclaimed certificates Application for purchase of certificates- Signing of Application on behalf of Minors Modes of payment for certificates purchased Scrutiny of application for purchase and procedure for the issue of certificates Issue of Preliminary receipt Provisional receipts for certificates Purchase of certificates by persons living aboard. Sale of certificates independently by selected branch post offices Sale of certificates through authorized Agents and payment of their commission through Post Office Maintenance of the applications for purchase. Disposal of Applications of purchase received at Branch Offices Preparation of Journals of certificates issued Payment of certificates by branch offices authorized to do certificates work independently. Identity Slips. Encashment of Certificates Payment of Annual Interest. Credit of Annual Interest in SB Accounts Payment of Annual Interest through banks Encashment of Certificates of minors. Encashment of Certificates purchased from Provident Fund Encashment of certificates held in joining names Encashment of certificates at Branch Post Office. Encashment of certificates at an office other than the office at Registration. Partial payment and exchange of certificates Journals of certificates discharged and annual interest paid Memo of admission of payment Nomination Change of name of holder Transfer of certificates from one Post Office to another Transfer of certificates from one holder to another Pledging of certificates as security Disposal of unclaimed and undeliverable certificates Certificates spoiled before issue Loss or theft of certificates before issue and from the custody of post office after issue. Loss, theft, destruction, mutilation of defacement of certificates in the custody of the holder Issue of duplicate certificates Attachment of a certificate by a Court of Law. Confiscation by Customs or Excise Authorities. Payment of savings certificates to an authority empowered under the law Clerical or arithmetical mistakes in the issue of certificates Encashment of certificates held by Army and Air Force personnel Payment of the value of certificates in the name of deceased holders Head Office Weekly/Monthly Summaries Certificates Voucher List Social Security Certificates Sale of NSCs to non-Resident Indians Issue of a certificate to non-Resident Indian on encashment Kisan Vikas Patra-Procedure to be followed. Indira Vikas Patra-Procedure to be followed Schedule of fees to be charged. And appendices Register of duplicate certificates issued Intimation of seizure of NSCs Claim application forms, where nomination registered Claim application forms, for claims on legal evidence Sanction of deceased claim cases Register for watching settlement of claims Period of preservation of records. 27. POST OFFICE SAVINGS BANK MANUAL VOLUME III
28. POST OFFICE SAVINGS BANK ORDERS
All Post Office Savings Bank Orders issued since 01-01-2007.
29. MANUAL OF APPOINTMENTS AND ALLOWANCES
This manual contains rulings relating to: -
Classification and Status of Services of Gazetted officers, Central Services class I, II, III, IV. Additions to Pay other than Recurring Honoraria Additions to Pay (Recurring Honoraria) Classification and Status of Services Excluded from the Operation of the Civil Services (Classification Control and Appeal) Rules and Appendices relating to: - Medical aid to employees of the Deptt. Children’s Education Allowance to Central Government Employees. Reimbursement of tuition fees in respect of children of Central Govt. Employees Dearness Allowance Winter Allowance Rates of Compensatory Allowance (Other than cost of living, Water and house rent allowance) House rent allowance in lieu of free quarters List of officers entitled to rent free quarters Recovery of charges from officials who have been allotted insufficient accommodation Central Civil Services (Revised Pay) Rules. 30. POST OFFICE INSURANCE FUND
This manual contains rules relating to: -
Definitions General Rules Life Insurance and Endowment Assurance Manner of effecting Insurance Manner of realizing Premia Payment of Policies Reduction, Discontinuance or Commutation and other alterations. Surrender of Policies Policies held by Persons who have left the govt. service Lapsing of Policies Revival of Policies Loan on Policies Post office Insurance Fund: Whole life Assurance–Table I Post office Insurance Fund: Endowment Assurance – Table II Post office Insurance Fund: Convertible Whole life Assurance- Table III Post office Insurance Fund: Anticipated Endowment Assurance Table IV and Appendix relating to Procedure to be followed in connection with Proposals submitted by Defence Services Personnel. 31. POSTAL MANUAL OF S.B. CONTROL PAIRING AND INTERNAL CHECK ORGANISATION
This Manual contains rules relating to: -
S.B. Control Procedure C.T.D. Control Procedure F.D. Control Procedure R.D. Control Procedure T.D. Control Procedure C.D.S. Control Procedure P.P.F. Control Procedure N.S.A. Certificate Control Procedure Procedure for Pairing Organisation Functions of I.C.O. (S.B) and Appendices relating to: - Particulars of Register to be maintained by the Control Organisation Calender of returns to be submitted by the Control Organisation Particulars of statements to be submitted by the A.O., I.C.O. (S.B.), to circle Office and Postal Directorate. And annexures containing the specimens of the registers referred to in this Manual. 32. ALPHABETICAL LIST OF POST OFFICES
This book contains: -
Alphabetical list of Name of Post offices Their status. 33. All India PIN Code Directory
34. Inspection Questionnaires
SOURCE- INSIAPOST.GOV.IN
