Prescribed Time Limits for filing Appeal/Petition/Complaint etc., under different Acts/Rules:

Prescribed Time Limits for filing Appeal/Petition/Complaint  etc., under different Acts/Rules:

Under CCS [CCA] Rules

Actions	Time Limits
For submission of written statement of his defence to the charge sheet	Within 10 days of the receipt of Memorandum [Charge Sheet]
Period of limitation of Appeal	Appeal has to be preferred within a period of 45 days from the date on which a copy of the order appealed against is delivered to the applicant.  However, the Appellate Authority may entertain the appeal after the expiry of that period, if it is satisfied that the appellant had sufficient cause for not preferring the appeal in time.
Time limit for disposal of Appeal	Not prescribed, however quicker disposal is insisted by the rules.
Exercising of Revisionary Power by the Appellate Authority	Within six months of the date of the order proposed to be revised. In case, however more than six months have elapsed from the date of the order to be reviewed, the question of recommending a revision by the P&T Board, should be taken up through the respective Heads of Circle and Administrative Officers.
Review of Punishment	Powers vested with the President, can be carried out at any time.
Submission of Revision Petition	An employee may prefer a revision petition to the Revising Authority without submitting an appeal.  If the Revising Authority to whom the revision petition has been preferred is the Appellate Authority, the revision petition should be submitted well before six months of the date of the order sought to be revised.  In so far as a petition for revision to the P&T Board/President is concerned, though CCS [CCA] Rules 1965 do not lay down any time limit, it would be advisable to prefer such petitions within six months of the date of the order sought to be revised.
Review of Suspension	Suspension shall not be valid after 90 days unless it is extended after review before the expiry of 90 days.

Under Consumer Protection Act, 1986:

Actions	Time Limits
For Filing  Complaint in Consumer Forum	The District Forum, the State Commission or the National Commission shall not admit a complaint unless it is filed within 2 years from the date on which the cause of action has arisen.  However, a complaint may be entertained after the period specified above if the complainant satisfies that the District Forum, The State Commission of the National Commission, as the case may be , that he had sufficient cause for not filing the complaint within such period.
Enforcement of the orders of Forum	When the order is not implemented, District Forum, State Commission or National Commission may order the attachment of the property of the person not complying. However, no attachment shall remain in force for more than three months at the end of which, if the non compliance continues, the property attached may be sold and out of the proceeds thereof, the District Forum of the State Commission or the National Commission may award such damages as it things fit to the complainant and shall pay the balance if any to the party entitled thereto.

Under Central Administrative Tribunal Act:

Actions	Time Limits
Time limit for filing an application before CAT	An application has to be filed within 1 year from the date on which the initial final order has been made.  Where an appeal/representation has been submitted in the matter and the authority competent to pass final order has not passed the said order, application has to be filed after the expiry of a period of six months from the submission such application/representation and within one year from the date of expiry of the said period of six months. Tribunal has power to admit an application in relaxation of the above limitation, if sufficient cause is shown, supported by an affidavit, for not making the application within the stipulated period.
Action Judgment	The order of the Tribunal is final and binding on both the parties.  It should be compiled with within the time-limit prescribed in the order or within six months of the receipt of the order, if no time-limit is prescribed.  Failure to implement the order in time may give rise to cause of action for initiating contempt proceedings.
Review Provision	If the applicant and/or the respondent are not satisfied with the judgment, it is open to them to seek review of the judgment by filing a petition within 30 days of the communication of the order.  Review petition would lie only when there is a glaring omission, paten mistake or grave error.  Once the review petition is dismissed, there is no provision for further review.  The matter has to be agitated before Hon.Supreme Court, through Special Leave Petition.

Jurisdiction of District Consumer Forum, State Commission and National Commission:

District Forum	Where the value of goods or services and compensation does not exceed Rs.20 Lakh.
State Commission	Where the value of goods or services and compensation is above Rs.20 Lakh, but below Rs.1 Core.
National Commission	Where the value of goods or services and compensation is above Rs.1 Core

By,

Shrinath N.B.

Assistant Superintendent [Division]

O/o the Superintendent of Post Offices

Karwar Division

Karwar 581 301

Office Telephone No: 08382-221431

Mobile Nos : 9980762909

                  9449848891

email ID: shrinathbasrur@gmail.com

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Savings in financial assets dip: RBI

MUMBAI: According to preliminary estimates released by the Reserve Bank of India (RBI), net financial savings moderated to 7.8% of GDP in F2012  F2011  F2010F2012 from 9.3% of GDP in F2011 and 12.2% of GDP in F2010.

Gross financial savings as % of GDP decelerated to 10.9% in F2012 from 12.9% in F2011 and 15.3% of GDP in F2010. Net Financial savings comprises cash investments, deposits with banks and non bank companies, investments in shares, debentures, mutual funds, small savings and also life insurance, provident and pension fund. Household financial savings dipped to this level back in F1990 (7.8% of GDP).

According to the preliminary estimates released by the RBI, the drop in net financial savings can be attributed to an absolute decline in small savings and lower growth in households' holdings of deposits, currency and life insurance funds.

RBI attributed the decline in net financial savings to persistently high inflation, leading to low real rates on bank deposits and small savings funds, coupled with uncertain global environment adversely impacting equity market returns, leading households to favour investments in valuables such as gold. In addition to these factors, we believe slower urban job creation and income growth would also have affected the rate of household savings.

"We expect some moderation in inflation in F2013. However, we believe that the pace of reduction will be slow, and trend in government finances as well as rural wages will play a key role in containing inflation expectations." said Chetan Ahya, chief India economist, Morgan Stanley in a note to clients. " We believe the consolidated fiscal deficit (including off-budget items) will remain high in F2013 at 8.8% compared to 9% in F2012. We estimate household financial savings to improve to 8.6% of GDP in F2013. Key upside/downside risks to our forecast will be the government's fiscal management and hence overall inflation trend." he added.

Gross financial savings as % of GDP decelerated to 10.9% in F2012 from 12.9% in F2011 and 15.3% of GDP in F2010. Net Financial savings comprises cash investments, deposits with banks and non bank companies, investments in shares, debentures, mutual funds, small savings and also life insurance, provident and pension fund. Household financial savings dipped to this level back in F1990 (7.8% of GDP).
According to the preliminary estimates released by the RBI, the drop in net financial savings can be attributed to an absolute decline in small savings and lower growth in households' holdings of deposits, currency and life insurance funds.

RBI attributed the decline in net financial savings to persistently high inflation, leading to low real rates on bank deposits and small savings funds, coupled with uncertain global environment adversely impacting equity market returns, leading households to favour investments in valuables such as gold. In addition to these factors, we believe slower urban job creation and income growth would also have affected the rate of household savings.

Improvement in real rates should increase household financial savings in F2013:" We expect some moderation in inflation in F2013. However, we believe that the pace of reduction will be slow, and trend in government finances as well as rural wages will play a key role in containing inflation expectations." said Ahya in the report. We believe the consolidated fiscal deficit (including off-budget items) will remain high in F2013 at 8.8% compared to 9% in F2012. We estimate household financial savings to improve to 8.6% of GDP in F2013. Key upside/downside risks to our forecast will be the government's fiscal management and hence overall inflation trend." he added.

Source : http://economictimes.indiatimes.com

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All India Conference...Postal Officers' Association (India)

Postal Officers' Association (India) conducted their All India Conference at Delhi and following officers have been elected for next term. 

1. President            - Sri S. V. Rao, SSPOs, Hyderabad South East Division. (M--o7838027729)

 

2. General Secretary - Sri Virendra Kumar Singh, ADG (Philately) Postal Directorate. (M--09910337929)

 

3. Treasurer          - Sri S. Ranganathan, ADG (Techonlogy) Postal Directorate. (M--09650801486)

CHQ wishes best of luck to them and their entire team.

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No other pension product comes as cheap as NPS

With new norms in place, the National Pension Scheme (NPS) scores high on the affordability scale. If all goes as hoped, customers of this scheme will be charged not more than 0.2% per year. Yogesh Agarwal, chairman, Pension Fund Regulatory and Development Authority (PFRDA), in an interview with Aswathy Varughese opens up on challenges and opportunities in the NPS.

Will the NPS be available through mutual fund companies?
As far as the NPS is concerned, insurance or mutual funds companies have no role to play in its distribution or marketing. Insurance companies can be the annuity providers once the person reaches the retirement age. During the accumulation phase, there are no roles left for insurers or mutual fund houses.

Do you think the marketing strategy of the NPS went wrong and it was precisely the reason why it did not take off as expected?
For government employees, it was a mandatory scheme. As far as private sector is concerned, we forgot that it is a voluntary system and we need to push the product. We extended this scheme to private sector thinking that it will take off by its own. Unfortunately, that has not happened and that is precisely why we have relaxed the registration norms for pension fund managers (PFMs). The NPS was not a viable proposition as nobody was marketing it. With the relaxed norms in place, we believe that it will reach out to more people.

How will the relaxation of norms for PFMs help the NPS take off?
Private pension fund managers can support this system by boosting the marketing and distribution of the NPS. Till now, the marketing was completely missing. Now with the new regulations, PFMs will be in a position to choose the distribution network and prescribe the charges. This will allow them to run an economically viable business model subject to an overall cap prescribed us.

Do you think the NPS will become a costly product after changing the charges?
Even if pension managers are free to quote their charges, it’s subject to the overall cap, say, 0.25% or 0.3%. In terms of overall cost estimate we have, per year for customers including all charges, it will not be more than 0.2%. No other financial services industry which is involved in the pension space is giving such a cheap product.

What was the rationale behind restructuring the charge structure?
The rationale behind the revised guidelines is to incentivise the marketing of the product which is beautifully designed to meet the retirement needs of the individual. The revised guidelines specify the role of the PFM in marketing and distribution of this product. They have been given the freedom to choose their distribution network and viable business model. The overall cap on the charges that will be prescribed by the PFM will be soon announced by the government committee. But will not be more than 0.25% per year which still makes the NPS a low-cost product for customers.

What is your take on annuity markets?
Life insurers should turn up as annuity providers of this pension scheme. The terms and conditions for offering annuities for pensioners covered under the scheme are available on our website. But the unfortunate part of the annuity market in the county is 85% of the market is occupied by Life Insurance Corporation (LIC), 10% by SBI life and only remaining 5% is covered by other life insurers.

The NPS system mandates that a minimum 40% corpus has to be utilised for purchasing annuity from one of the six life insurers which were empanelled by the Pension Fund Regulatory and Development Authority (PFRDA). The remaining 60%of the corpus accumulated can be withdrawn.

LIC, SBI Life Insurance, ICICI Prudential Life Insurance, Bajaj Allianz Life Insurance, Star Union Dai-ichi Life Insurance and Reliance Life Insurance are the six annuity providers empanelled by the pension regulator. Going ahead, we expect more life insurers will come forward as annuity providers which will be a positive thing as far as annuity market is concerned.

What will be the changes once the PFRDA bill is passed?
We already have the power what we need. The bill when passed will give us statutory power. This means that if today we have to excise the regulatory power and penalise the player, we have to approach a civil court for that.

Source :  http://www.dnaindia.com

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Govt increases SMS limit to 20 per day instead of 5

 NEW DELHI: After checking the use of SMSes to prevent spreading of rumours which had led to mass exodus of northeastern people from certain states, the government today increased the number of SMSes to 20 per day with immediate effect.

According to a notification issued by the Ministry of Communication, it has been decided to revise the permissible limit of "bulk SMS/MMS to 20 in place of five with immediate effect".

"The other conditions will remain the same," it added. The decision to put a cap on the number of SMSes was taken after reports of widespread circulation of SMSes and MMSes containing misleading information about Assam violence, threats to people of northeastern origin living in other parts of the country and doctored videos.

The Home Ministry has asked Department of Telecommunications to implement the order through telecom operators.

From today onwards, the mobile customers in the country, which is more than 930 million, can send a maximum to 20 SMSes in one go and more than 25 KB of data through mobile phones during the ban period.

The ban came into force after Prime Minister Manmohan Singh said that spreading of rumours by miscreants had led to people belonging to the north east fleeing from Bangalore, Pune and some other parts of the country.

Noting that the guilty should be brought to book, the Prime Minister had said that at stake was not just unity and integrity of the country, but also communal harmony.

"Any miscreant fanning rumours should be brought to book," he said.

Source : http://articles.economictimes.indiatimes.com

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How green technologies like Geothermal-based AC systems, hot water systems & efficient lighting can help you save energy

In today's world, a 'green' investment on residential dwellings is no longer considered a luxury. Apart from yielding environmental benefits, homes that invest in green technologies save hard cash for homeowners and open up huge commercial opportunities for businesses.

A green home is defined as one that uses less energy by making efficient use of resources and materials without compromising on occupant comfort. This has been made possible by employing new non-conventional technologies, some of which are already in vogue in commercial establishments.

Homes use up a major portion of their energy supply in airconditioning, heating and lighting. For example, a typical upper middle class family shells out an electricity bill of Rs 7,000-8000 a month. But with the help of new non-conventional tech— namely, geothermal based airconditioning, hot water co-generation and energy-efficient lamps — the household can slash its energy bills by up to 80%.

Geothermal-based AC Systems

A traditional air-conditioner functions by absorbing heat from the room and expelling it into the environment. It uses more power when the outdoor temperature is high (say, 45-49 degrees centigrade) and less when the outdoor temperature is lower (for instance, in September or October).

This effect is put to use by new geothermal based air-conditioning systems to enhance efficiencies of traditional AC systems by more than 60%. The geothermalbased system makes use of the ground (or the soil) to generate cooling for the air-conditioning equipment throughout the year, thus saving energy required for operating ACs. In fact, a geothermal system can help cut your power bill by as much as 80%.

Hot water Systems

Geysers or boilers consume a large amount of electricity. Hot water co-generators that replace the energy-guzzling geysers have made it possible to slash energy consumption by over 80%. The cogen system works on the principle of 100% heat recovery. While geysers offer only 0.7-0.9 Kcal output for every 1 Kcal input, co-gen systems offer over 6-7 Kcal output for every 1 Kcal input. Operating costs with co-gen systems can drop by over 80%.

Efficient Lighting

The third category that consumes a sizable amount of power is lighting. Energy-guzzling lamps and even compact fluorescent lamps not only consume high power but also have shorter lifespan. Newer technologies such as LED, induction and cold cathode fluorescent lamps can replace halogen and incandescent lamps and CFLs, and save 50-90% energy. These new lamps have a lifespan of more than eight years and are free of hazardous elements such as lead or mercury vapor.

So if a 2,000-unit housing apartment complex adopts these three technologies, it can reduce power consumption by 17 million kWh units a year—enough to power three small villages. In money terms, this comes to around Rs 10 crore a year. For the environment, this means a reduction of 26,000 tonnes of carbon dioxide emission, which is equivalent to planting 1.1 million trees.

Imagine the impact if every single apartment complex in the city implements a similar initiative. So it does make perfect sense for every homeowner to go green!

Source : The Economic Times, August 25, 2012

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First in Indian Law - Study material for IPO and Postal/Sorting Assistant Examination

1.First empire to define and demarcate civil and criminal law  Gupta Empire

2. First Court ( of judicature) was established in Calcutta on August , 1672

3. The First Law Commission was constituted in ----------------  under ------------------ 1834 under the Charter Act

4. First I.P.C  and CRPC was introduced in Bengal  In 1862 by John Beames.

5. The First Federal Court established in  1937

6. Supreme Court was established on March 26, 1774 in Calcutta as a Result of Regulating Act of 1773.

7. Oldest High Court Calcutta High Court (1862)

8. First Indian High Court Judge – Shambhunath Pandit.

.9  Youngest Judge –  Prasanta Behari Mukherjee at the age of 38.

10. High Court with most judges –  Allahabad High Court (60 Judges)

11. First Woman Chief Justice (High Court) – Justice Leila Seth (Delhi)

12. First Indian President of International Court of Justice-  Dr. NagendraSingh (First Indian recipient of World Justice Award)

13. First Chief Justice of Independent India – Justice Harilal J. Kania.

14. First Woman judge of Supreme Court- Meera Sahib Fatima Beevi.

15. First woman judicial officer  -Anna Chandy

16  first Federal Court chief justice. Sir. Maurice Gwyer

17. First woman advocate – Cornelia Sorabji

18. “Green Bench” decides on environmental issues. (set up by the Calcutta Court)

19. Largest prison  Tihar Jail

Collected by  S  Jayachandran ,  SA , Mavelikara Divbision Office , 690101 -9961464279   http://nfpemavelikaradivison.blogspot.com

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