Friday, 28 December 2012

Year End Review of Department of Posts

Extracts from PIB Release dated 26th December, 2012
Contributing to the financial inclusion of the rural people:

(A)       Wage disbursal under Mahatma Gandhi National Employment Guarantee Act (MGNREGA): Extensive rural postal network of the country is actively engaged in disbursal of wages of MGNREGA with high levels of efficiency. During the year 2012-13 the Post Offices disbursed about Rs 9,133 crore by October, 2012 through about 5.53 crore savings accounts of MGNREGA workers standing in the Post Offices. Thus, the Department of Posts significantly contributed towards the success of this unique social security arrangement of unprecedented scale.
(B)       Financial Inclusion of Below Poverty Line (BPL Household: Department of Posts leveraged its network and outreach to financially include BPL households by targeting them for opening their savings accounts in the Post Offices and thus providing them with access to savings services. During the Year 2012-13 more than 1.53 crore households were financially included through this initiative by October, 2012.
            Introduction of e-enabled services

(A) 24,969 Departmental post offices have been computerized as on date
(B) India Post has introduced Remotely Managed Franking System in place of existing electronic Franking Machines. Around 5681 RMFS machines have been licensed and activated as on date.
(C) e-Post office Portal was commissioned during 2011. During the current year PLI premia payment has also been added apart from sale of philatelic material. 
            International Remittance services

            Recognizing the spurt in the volumes of international remittances into India in the recent years and the notable contribution of remittance inflows to the country’s economy, the Department of Posts has taken a project to revamp its international money order services. Currently, DoP provides electronic money remittance services on two platforms, viz. the IFS (developed by the Universal Postal Union) and Eurogiro. The following action has been completed in this regard:
  1. Setting up an International Remittances Unit (IRU) at CEPT, Mysore.
  2. Starting the inward international money order transactions from France on 22 November, 2012.
 Expansion of Clientele Base of Postal Life Insurance(PLI) 

In order to provide insurance coverage to persons of various organizations which were earlier out of purview of PLI schemes and to scale up business revenues employees of following organizations have also been brought under PLI scheme w.e.f. 18.10.2012:
(i)            Joint ventures having Govt/PSU stake
(ii)          Credit Co-operative Societies registered under Co-operative Societies Act
(iii)         Scheduled Commercial Banks
(iv)         Deemed Universities and Educational Institutions accredited by recognized bodies i.e. AICTE, MCI, NAAC etc.
“Sampoorna Jeevan Bima Gram” and “Sampoona Bima Sangathan”

            For better insurance coverage of eligible population, a targeted approach to cover villagers under RPLI and organizations under PLI has been started from November 2012 as under:-
(i)            to identify and cover minimum 75% of employees of 20 organizations up to 31.10.2012 and 30 organisations/units up to 31.10.2012 as “Sampoorna Jeevan Bima Sangthan/Unit” under Postal Life Insurance;
(ii)          To identify and cover 1000 villages up to 31.10.2012 and 2000 villages up to 31.03.2013, as “Sampoorna Jeevan Bima Gram” wherein at least one member of each house hold is to be enrolled under Rural Postal Life Insurance.

Financial Services
           
The Department successfully completed the vendor selection for its Financial System Integration project. The vendor selected was M/s Infosys who will be involved with the Core Banking solution and setting up of ATMs for the Department. The project has started on 28th September 2012. 
            UIDAI Aadhar letters: 

Department of Posts is working as Register with UIDAI for providing Aadhar enrolments through Post Offices for phase-II operations also. A total of 80,84, 181 successful enrolments have been completed.
 ePost: 

New and enhanced version of ePost software has been launched on 12th December 2012. The enhanced version will have facility of sending multilingual messages apart from sending PDF files as attachment. During the year 2012 (upto Nov 2012), 13.64 lakh messages have been sent and Rs 104.50 lakhs earned as revenue. 
            Sale of Gold Coins: 

Under retail post, India Post sells 24 carat gold coins of the denomination of 0.5 g, 1g, 5g, 8g, 10g, 20g and 50g through selected Post Offices. During the year 2012 (upto Nov 2012), 708 kg of gold coins were sold  and Rs 10.99 crores earned as revenue. 
            Project Management Unit

            The Government has approved the IT Modernization Project of the Department of Posts for computerization of all the non-computerized post offices, Mail Offices, Administrative and other offices, establishment of required IT infrastructure, development of required software applications. IT modernization Project – India Post will enable Department to enhance and provide value additions to Mail, Savings Bank and Insurance, customer service while providing a platform to launch new initiatives and provide new rural services. 
Money remittance through Mobile phone service: 

            An agreement has been signed with BSNL for providing money remittance through mobile phones. This is joint endeavor of Department of Posts & BSNL. BSNL has been provided with the requirements of DOP for development of the software. This service specially tailored for those who have a need to remit money regularly up to a sum of Rs 10,000. Under the Scheme, a remitter can go to any Post Office in the Circle enabled for the Mobile Money Transfer Service and remit an amount from Rs 1000/- to Rs 10,000/- to be paid to another mobile subscriber at the designated Post Office. The Slabs for money transfer is as follows:
Slabs
Charges of Remittance
Rs 1000 to 1500
Rs 40
Rs 1501 to 5000
Rs 70
Rs 5001 to 10,000
Rs 100
            The service initially has been launched on 15th November 2012 in four Circles viz. Kerala, Bihar, Delhi and Punjab and this service is provided in 18 selected Post Offices in each Circle.

POSTMAN EXAMINATION (MODEL PAPER)

PART - A 
(General knowledge, Reasoning & Analytical Ability)
Time : 90 minutes, Questions : 25, Marks : 25




PART - B 
(Mathematices)  Questions : 25, Marks : 25 



PART - C (i)           
(English) Questions : 25, Marks : 25




Courtesy : http://nfpealuvadivision.blogspot.in/

Tenure posting of officials in single handed & double handed post offices

Extension of the revised orders on encashment of Earned Leave and Half pay Leave to industrial employees.

Extension of the revised orders on encashment of Earned Leave and Half pay Leave to industrial employees.

Central Government Employees Holiday Calendar 2013 Download

Central government Employees Calendar with Gazetted Holidays marked. - Delhi 



Central Government Employees Calendar with Holidays 2013 - Kerala

House Building Advance to Central Government Employees

House Building Advance to Central Government Employees
1. The Scheme of House Building Advance to Central Government Employees is aimed at providing assistance to the Government employees to construct/acquire house/flats of their own. The scheme was introduced in 1956, as a welfare measure. Ministry of Urban Development & Poverty Alleviation act as the nodal Ministry for the same.
2. House Building Advance is admissible to all those temporary employees also who have rendered 10 years of continuous service. The Ministries/Departments are delegated powers to sanction House Building Advance to their employees in accordance with the House Building Advance Rules.
3.With effect from 27-11-2008, the following provisions of grant of  House Building Advance shall be in operation, until further orders:-
(i).The maximum limit for grant of HBA shall be 34 months'  of pay in the pay band subject to a maximum of  Rs. 7.50 lakh or cost of the house or the repaying capacity whichever is the least, for new construction/purchase of new house/flat.
(ii).The maximum limit for grant of HBA for enlargement of existing house shall be 34 months' pay in the pay band subject to a maximum of Rs. 1.80 lakh or cost of the enlargement or repaying capacity, whichever is the least.
(iii).The cost ceiling limit shall be 134 times the pay in the pay band subject to a minimum of Rs.7.50 lakh and a maximum of Rs.30 lakh relaxable up to a maximum of 25% of the revised maximum cost ceiling of Rs.30 lakh.
4. The rate of interest on House Building Advance is between 5% to 9.5% ,depending on the loan amount.
5. The repaying capacity of Govt. servants who have more than 20 years of remaining service has been revised from 35% to 40% of pay. (Pay means pay in the pay band).
6. The salient features of House Building Advance Rules are as follows-

1. ELIGIBILITY
  • Permanent Government employees.
  • Temporary Government employees who have rendered at least 10 years continuous service.
  • To be granted once during the entire service.
If both the husband and wife are Government of India employees and eligible for HBA, it shall be admissible to only one of them.
2. PURPOSE
HBA is granted for:
1.    Constructing a new house on the plot owned by the official or the Official and the Official's wife/husband jointly.
2.    Purchasing a plot and constructing a house thereon.
3.    Purchasing a plot under Co-operative Schemes and Constructing a house thereon or acquiring house through membership of Co-operative Group Housing Scheme.
4.    Purchasing /construction of house under the Self-Financing scheme of Delhi, Bangalore, U.P., Lucknowetc.
5.    Outright purchase of new ready-built house/flat Housing boards, Development Authorities and other statutory or semi-Government bodies and also from private parties.*
6.    Enlarging living accommodation in an existing house owned by the official or jointly with his/her wife/husband. The total cost of the existing structure (excluding cost of land) and the proposed additions should not exceed the prescribed cost ceiling.
7.    Repayment of loan or advance taken from a Government or HUDCO or Private source even if the construction has already Commenced, subject to certain conditions.
8.    Constructing the residential portion only of the building on a Plot which is earmarked as a shop-cum-residential plot in a Residential colony.
* Private party means registered builders but not private individuals.
3. CONDITIONS:
a) The applicant or spouse or minor child should not already own a house in the town/Urban agglomeration where the house is proposed to be constructed or acquired.
b) The title to the land should be clear. The land may be owned either:

- by the Government employee; or

- jointly by the Government employee and spouse.
c) COST CEILING                                           
134 times of pay in the pay band subject to a minimum of Rs. 7.50 lakh and a maximum of Rs.30 lakh
Administrative Ministry may relax the cost ceiling   to 25% of cost ceiling mentioned above in the individual cases on merits.
(Effective from 27th November, 2008)
d) AMOUNT OF ADVANCE:
  • will be the LEAST of the following:-
(i) 34 times the pay in the pay band.
(ii) The cost of construction.**
(iii) Rs. 7,50,000/- ***
(iv) Repaying Capacity.
** 80% of cost in rural areas.
*** Rs. 1,80,000/- in case of enlargement of existing house.
e) REPAYING CAPACITY:-
Repaying Capacity is computed on the following basis:-
S. No.
Length of remaining service of the applicant.
Repaying Capacity
1.
Retiring after 20 years.
40% of pay @
2.
Retiring after 10 years but not later than 20 years.
40% of pay @ plus 65% of * Retirement Gratuity
3.
Retiring within 10 years
50% of pay @ plus 75% of * Retirement Gratuity.
@ Pay means pay in the pay band
4. DISBURSEMENT OF ADVANCE:
S. No.
Purpose of HBA
Disbursement
(1)
(2)
(3)
(i)
For construction/enlargement (single or double storeyed).
50% -



50%
on execution of mortgage deed 

on construction reaching plinth level (Ground Floor).
(ii)
For purchase of land and construction (Single storeyed)
40% or - 
actual cost



30% -

30% -
for purchase of plot on execution of agreement and production of Surety Bond.

On execution of Mortgage deed.
 

On construction reaching plinth level.
  
(iii)
For purchase of land and construction (Double storeyed)
35% or actual cost



32.5% -

32.5% -
for purchase of plot on execution of agreement and production of Surety bond.

On execution of the mortgage deed.

On construction reaching the plinth level.
  
(iv)
For purchase of ready built house/flat
100% - in one lumpsum.
(v)
For acquiring flat/house from Co-operative Group Housing Society.
20% -



80% -
Towards purchase of land by the Society.
in suitable installments on receipt of demand (pro-rate basis)
(vi)
For purchase of flat under SFS of Development Authorities etc.
No payment for initial registration Deposit.
May be released in not more than 5instalments. But the fifth and finalinstalment should not be less than 10% and is to be released for making final payment.
5. TIME SCHEDULE FOR UTILISATION OF HBA:
S. No.
Purpose
Time limit
(a)
Purchase of registered plot on which construction can commence immediately.
Sale deed to be produced within 2 months.
(b)
Purchase of ready built house.
Acquisition and mortgage to Government to be completed within 3 months.
(c)
Purchase/construction of new flat
Should be utilised within one month of sanction.
6. REPAYMENT OF ADVANCE:
The recovery of advance shall be made in not more than 180 monthly installment and interest shall be recovered thereafter in not more than 60 monthly installments. In case Government servant is retiring before 20 years, repayment may be made in convenient installments and balance may be paid out of Retirement Gratuity.
7. INTEREST
The rate of interest on Housing Building Advance with effect from 1st April, 2003 are as follows:-
S. No.
Amount of Advance sanctioned to a Government Servant
Rate of Interest on HBA (Per Annum).
1.
Upto Rs. 50,000/-
5%
2.
Upto Rs. 1,50,000
6.5%
3.
Upto Rs. 5,00,000/-
8.5%
4.
Upto Rs. 7,50,000/-
9.5%
8.COMMENCEMENT OF RECOVERY:
Construction of a house or enlargement of living accommodation
* From pay for the month following the completion.
Or
The pay for the 18th month after date of payment of the 1st installment, whichever is earlier.
Purchase of land and construction.
* From pay for the month following the completion of the house.
Or
The pay for the 24th month after date of drawl of instalment for purchase of land, whichever is earlier.
COMMENCEMENT OF RECOVERY (CONT'D):
Ready built flat.
* Pay for the month following the month in which advance was drawn.
Purchase of Flat under SFS from Development Authority/Housing Society.
* From the pay for the 18th month after date of payment of 1st instalment.
* The sanctions of HBA should invariable stipulate a higher rate of interest at 2.5% above prescribed rates with the stipulation that if conditions attached to the sanction are fulfilled, rebate of interest to the extent of 2.5% will be allowed.
9. CREATION OF SECOND MORTGAGE:
The Government servants who have obtained HBA from the Government may be permitted to create a second charge on the property provided they obtain prior permission of the Head of the Department and the draft deed of second mortgage is submitted to the Head of the Department for scrutiny. Such a second charge may be created only in respect of loans to be granted for meeting the balance cost of houses/flats byrecognised financial institutions.
10.PROVISIONS FOR SAFE RECOVERY OF HOUSE BUILDING ADVANCE:   
(i). As a safeguard of the House Building advance, the  loanee Government employee has to insure the house immediately on completion or purchase of the house, as the case may be, at his own cost with Life Insurance Corporation of India and its associated units.   The house/flat constructed/purchased with the help of House Building advance can also be insured with the private insurance companies which are approved by Insurance Regulatory Development Authority(IRDA).  However, the insurance should be taken for a sum not less than the amount of advance against damage by fire, flood and lightning, and has to be continued till the advance together with interest is fully repaid to Government.
(ii).The house constructed/purchased with the help of House Building Advance has also be mortgaged in favour of the President of India within a stipulated time unless an extension of time is granted by the concerned Head of the Department. After completion of the recovery of the advance together with interest thereon, the mortgage deed is re-conveyed in a proper manner.
Source : http://www.staffcorner.com/