w ,/).u, - India Post

Government of IndiaMinistry of Communications & I.T.

Dopartment of PostsF.S.Dvision

€o z,/" /w ,/).u, 7

No. 108-56/97-58 Da,rca:!fi1.2ss4

IqTo

All Heads of Circles / Region,Addl. D.G., APS, R.K. Puram, New Delhi

Sub : Compliance of the provisions of Finance Act concerning TDS andSurcharge.

Sir / Madanr,

The Department of Post is doing an agency work on behalf of theMinistry of Finance, Department of Economic Affairs. Several queries havebeen received from various Circles regarding deduction ofTDS and Surcharge.Finance Act is a statutory Act which has to be followed by all Ministries iDepartments without waiting for any separate instructions from the Drectorate.Ministry of Financo has instructed that all tho field offEces should follow theprovisions of Finance Act in respect of Tax Deduction at Source (TDS) andsurcharge to be deducted from the commission payable to the Agents andwithdrawals from NSS-87 Accounts.

4. The decision of the Ministry of Finance may be brought to the notice ofall concerned for information, guidance and compliance. Receipt of the lettermay be acknowledged.

5. This issuerwith the approval of Director (FS)

Yours faithfully,

(K.D.Yadav)Desk Office(SB)

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Copy forwarded to:Director of Audit. P&T, Delhi.AII Directors,Dy. Directors of Accounts, Postal.Dirs.1or, Postal Staff College, Ghaziabad.AII Principal Postal Training Centres.DDG/ PG/DI,G( \'IG/DDG(Estt. yDDG( Po)i DDG( l'ech)AD(SB/Pc/Lrspectior/PF/Irwcstigation/Postal Aocormr S ection.

AII recognized Stafl Unions & Association.AII Accounts Officers ICO (SB).All Mernbers, Postal Services Board.Director, GPO Kolkata.I!{s. Anuradha Prasa4 Director (Budget), Ministry oiFinance, Deprartment of Economic Atrairs, North Blo;k, New Delhi

(K.D.Yadav)Drsk Officer (SB)

Te1.23036378

S.B. ORDER No.2 /20MGovernment of India

Ministry of Communications & I.T.Department of Posts

F.S.Division

No. 110-23i 2001-SB Dated: 28.01.2004

To

All Heads of Circles / Regions,Addl. D.G., APS, R.K. Puram, New Delhi

Sub : Cla'ification regarding status ofjoint MIS Accounts on the death of oneofthe depositors.

SirMadam,

I am dire,.-ted to refer to this office S.B. Order No.2i2003 dated

07.01.2003 (Para-8) on the above subject. Some Circles have raised queries as

to whether a.fter the death of one of the depositors of MIS Accoun! the said

account zubsequurtly be converted into a joint account by adding another narnebv the surviving depositor? The existing revised procedure clearly states thatif one of the depositor of a joint MIS Account opened by two adulls dies. the

Account will be treated as single account by observing the procedures

prescribed in Rule 72(2) of lhe POSB Manual-l in the name of the survivingdepositor from the dale of dearh ofthe said depositor. When a report to thiseffect is received in the post office, the PM / SPNI will ask the survivingdepositor to withdraw the excess amount in excess of the limit prescribed forsingle depositor as rhis amount will not carry interest from the date of death ofthe joint depositor. The interest already paid on this excess amount will be

recovered or adjusted.

2. ln this connection it is clarified that after the death of one of thedepositors of lVflS Accoun! the surviving depositor can subsequently convert

the single a{)count in.to a joint account bv adding tlle new name if he I she sodesires. In flhat case, only the name will be added and no more amount u'ill be

deposited in the said account..

3. The above clarification may be brought tc, the notice of all operatingstaff for inl'ormation. guidance and compliance. Receipt of 'fie letter may beacknowledged.

Yours faithfullv,


Copv forwarded to:Dre';tor of Audit P&T, Delhi.All Directors/Dy. Directors of Accounts, Postal.Dire,;tor, Postal Staff College, Ghaziabad.All ltincipal Postal Training Centres.DD(iiPGiDDG(\'IGyDDG(Estt. )iDDG(PO /DDG(Tech).{D(l;B )i"G/Insp€ction/PF/Investigation/Postal Accormts Ser:tion.

AII recogrized StaffUnions & Association.All z\ccounts Officers ICO (SB).All lvlembers, Postal Services Board.Director, GPO Kolkata.Ms- Anuradha Prasad, Director (Budget), N{inistry ofFinance, Department of Econonric Affairs, North Block-, New Delhi

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9.10.11.

(K.D.l'adav)Desk Officer (SB)

Te1.23O36378

S.B. Order No.32004

Government of IndiaMinistry of Communications & I.T

Department of Posts

FS Division

No.l l3-4l2002-SB Dated:29.01.20O4

To

All Heads of Circles,Addl. D.G., APS. R.K. Puranr. New Delhi.

Sub : Comparison of sigrature on rhe application of withdrawal by the second official in

the Head Offrces

Sir / Madam,

I am directed to refer to this office letter of even no. daled 16.05.2002 (s'8. order

No.9/2002) on the above subject. some circles have raised queries as 10 who will be the

second official to compafe th-e sigrature on the application form for withdrawal in Head

offices where the work has be; corrputerized? Under Rule 33 (2) of the P.o.s.B.

Manual-I, the Counter Assistant is required to compare the sigrature _of the depositor on

the application for withdrawal with thi signature contained in the application for opening

of a"count i.e. SB-3 and sign below the dePositor's signature, rn tokel of check in all

"*"r. Ho,r.rer, when the "amount

of with&awal exceed Rs.20001-, the second official

i. r*ago Assistant in Ho is also required to compare the sigrature on the sB'7 with

O" ,p""iir* signature and sigr below the depositor's signature in token of rhis check.

3. ln the computerized ofEces as the counler Assistant has to perform the work of

Ldger assistant "t*, i" this regard it is clarified tha] the APM will now compare the

,ig,Ztu." ofthe depositor on withdrawal application (SB7) as a second check.

4. It is requested that the above clarification may kindly be brought to the notice ol'

all concerned for informatiorg guidance and compliance'

5. Receipt ofthis letter may be acknowledged'

Yours l-aithfullY',L\

(K.D.Yadav)Desk Offrcer(SB)

Copy forwarded to :

1. Director of Audit, P&T, Delhi.2. All DirectorvDy. Direclors of Accotmts, Postal.

3. Director, Postal Staff'Collego, Ghaziabad.4. All Principal Postal Training Centres,5. DDG.,?G/DDC,(VIG)/DDG(PO)6. AD(SB)i"G,{nsy:eotion/PF,tnvestigation?ostal Accounts Se<,tion

7. All recognized Staff Unions & Association.8. All Accounts Olficers ICO(SB)9. PS to Member(l&FS).10. PS to Membe(t)/Ps to MemW/Sr.PPS to Secretary(P)

v

(K.D.Yadav)Desk Officer (SB)

sB oRDER NO.4/2001

Cxrvem4rent of IndiaMinistry of Conuuunications & I.T.

Department of PostsF.S.Division

No. 108-56i97-SB Dated : 09.02.2004

To

All Heads of Circles / Region,.Addl. D.G., .qPS, R.K. Purarn, New Delhi

Sub : Compliance ofthe provisioru of Irinance AcL2003 conceming TDS andSurcharge under NSS-87 Accounls i Commission payable to agents.

Sir i Madanr.

The Department of Post is doing,an agency work on behalf of the Ministry ofFinance, Department of Economic Atra4s. Iv{inistr-v of Finance (DEA) ha-s asked thcDepartment of Posts to adhere to the l-lnance Act in force as rvell as instructions ofCBDT for purposes of deduction oftax dt source &om subscribers.

2. As per Finance Act, 2003 the l'ollowing changes have been nrade in Section197 by inserting a new clause (C) which rcads as under:-

"(1C) Notwithstanding anyhing contained in Section 193 or Section 194 orSection 194-4 or Section 194E8 or Section l94K or sub-Section (B) ofthissection, no deduction of tax shallibe nrade in the case ofan individual residentin India, who is of the age of si{ty five vears or more al any time during theprevious year and is enlitled to a deduction from the amounl of ilrcome-tax onhis total income referred to in Sqction 88B. if such indirddual ftrrnishes to thcperson responsible tbr paying any'income of the nature retbrred to in Section193 or Section 194 or Section 194A or ser--tion l94EE or seclion 194K, a-s thecase rnay be, a declaration in wrtiting in duplicate in the prescribed form andverified in the prescribed manner to the effect thar the tax on his estimaledtotal incorne of the previous year in rvhich such income is to be included incomputing his total income will be nil."A declaration in the prescribed Frbm No.l5H may be taken by the subscriber.

'lhe person-. responsible for making palment shall furnish a copy of each suchdeclaration io the ,mscising officer concemed on or beforc 07d' day of a mt-rnth nexlfollowing the mor(h in rvhich the declaration is fumished to hinr under Section1e7(A) (2).

3. As regards applicabiliw of surcharge on TDS un,ler NSS-[;7/ Conrnissronpayable to agents under Section 194-EE and Section 1i)4-H respectively. as perFinance Act" 2003 instnrctions have been issued to Circles vide thir; office lctter ofeven no. (S.B. Order No.19i2003) daled 01.10.2003. As per t inance Act theapplicability of surc:harge on TDS wourld be govemed by th<: following, provisions:-

'A. Where the payrnent is being made to a companv, surcharl;e at the rate of2.5o.,o o:ithe income tax deducted would be levied.

B. Wherr: the payment is bei,ng made to a person other than a company:

(a) In case where the person is an individual, HUF or Association ofPersons. whether irrcorporated or not. surcharge rvill be levied atthe rate of l0ozi, of the income tax dedr:cted wher: the income oraggregate of such incomes paid or likely to b,: paid cxceeds

Rs.8.5 lakhs.

(b) In case of a Cooperalive Socie}, Firm and l,,>cal Authorilv,such surcharge will be levied at the rale of 2.5o\' of the incometax deductedl and

(c) In ca-se of an artificial juridical person. surchlrge vvould be

levied at the rate o1'l0%o of the income tax deductt'd."

4. It is requested that the above provisions of Finance Ast 2003. nra-v be broughtto all concemed for information, guidance and compliance. Receipt oI'the letter mavbe acknowledged.

5. This issue rvith the approval of DV. Direaor General ( FS)

Y,rurs faithfully,,

(K.D.Yadav)Det'k Officer(SB)

Copy forwarded to

Director of Audit, P&T, Delhi.Nl Directors/Dy. Directors of .{ccounrs. Postal.Director, Postal Staff College, Qhaziabad.All Principal Postal Training Cdntres.DDG/PG/DDC(\'IGyDDG( Estt. yDDG(Po)/DDG(Tech)AD(SB/PG/hspection{PF/IrwesligationlPostal Accounts Section.AII recogrized StaffUnions & .4tssoc-iation.

All Accounts Offrcers ICO (SB).All Members" Postal Services Ebard.Director, GPO Kolkata.Ms. Anuradha Prasa{ Director (Budget), N,linistr-v ofFinance, Department of Econorpic Affhin. North Block. New Delhi

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1,"-D.Yadav)

Desk OIIicer (SB)TeI.23036378

{,S.B. Order No.5/200a


Department of PostsFS Division

No.113-6,22O03-58 boted.20-ol -2ovl

To

All Heods of Circles/P,egionAddl. D6, APS. R.K. Purom, Ncw Dclhi.

Sub:- Deloy in scftlcncnt of de*coscd cloim coscs on occount of verificotionof deofh ccrfificotc issued by conpet€nt outhority.

5irlModom,

The Directorote hos been receivng cohphants of deloy in selllng deceased clorm ofPOSB/POSC due to verificotion of documents. Vide Directorote's lelter No.79-29188-58doted 15.05 1988, it wos clorified thot the genuineness of the denth certrficotes rnoy be

gol verrfted by the local outhoritaes themselves except where genurneness comot be

verifted locolly. The deoth cefiificote produced by the cloimonts, where found certil ed by

the compelent outhority, should be occepted for seltlement ol lhe deceosed clorm coses.

2. Over the petiod of time it hos been noticed thot deloy in settlement ol decetsedcloim coses continues. In order to mitigote the inconvenience to the cloimants rt rs

reierated thot the sonctioning authority while observing the guidelines issued vide thrsoflrce letter No.35-38/90-5B doted 21.01.1991 moy occept the deoth certfircoIe rssued by

lhe compelent outhorilies mentioned in this offrce letter No.l?-5/70-55 doted 11.05.1970

2.1. Verificotion ol deolh certrfrcote given in originol or certifted by the competentouthorrty should be necessory only when there is a doubt oboul the genuineness of thecerliltcole. fn oll coses, the cloimant moy be mode lo srgn fhe certiicole before odmrttrng

the clorm ond poyment mode only olter lhe identity of the cloimont rs estobirshed.

3 Above instructions moy be brought to the notrce of oll concerned Any deloy rn thesetllemenl of deceosed cloim coses beyond 3O doys olter submrssron of complete clolrshould be viewed seriously.

Yours foilh fully.

(K.D. Yodov)

Desk Of f rcer (58)

Copy forwarded to :

Dirwtor o:[Audit, P&T, Delhi.All DirectrrdDy. Directtrs of Accounts, Postal.Drector, Postal Staff Collcgc, Gtaziabod.All Principl Postal Training C,cotres.DDG/PGDDG(VTGyDDC(PO)AD(SByPcllnspection/PF/Invcstigption/Postal,AcoountsSection/OrtM.Seotion.A[ recognized StaffUnions & Association.All Aocou:ots Officers ICO(SB)PS to Mombe(D).Dirwtor, GPO, Kolkata.

I23456

7.8.9.10.

(K.D.Yadav)Desk OfEce(SB)

Govt of IndiaMinistry of Communications & IT

Department of PostsF.S. Division

LB. Order No. 6 /2004

Dated 96 Februarv 2004No. l-I/2004-SB(AO)

Tol,

All Heads of Circles/RegionsAddl. DG, APS, R.K. Puram, New Delhi

Sub: Verification of Balances: Recurring Deposits

Sir,

At present verification of RD balances is to be carried out by SBCO once in SIXmonths as on 306 June and 3l"t December office as a whole including HO and its SOs.With lhe transfer of RD bindcrs to SOs it has been decided that the RD verification ofbalances of SOs can be spread over six months duration and following prooedure isprescribed for the same.

The verification of balances of RD Accounls of HOs is to be carriod out as atpresent as on 306 June and 3 I

d December.

The balances of Sub Post C)ffices to be carried out once in every six months, butthe dates as on which the balances will be agreed has to be spread over Four monthsequally depending upon number of accounts, as on 3Id Ja+ 28129h Feb. 30& April and3ls May in the first round and 31s July, 31d Aug, 3l"t October and 306 November in thesecond rormd. That is if there re 20 SOs rmder a EO the number of SO in respect ofwhich the balances has to be agreed will be 5 SOs each month, Tho number of officesmay however differ depending on the number of accounts. (3ld March and 306 Sopt. are

omitted from the dates of agreernenq since the SBCO has to veri& the balances ofSavings and other accounts as on this date).

The Sub Offices will prepare six month$ lists of balances as on the dates fixedfor the agreement. The PA of the post offioe can be paid honorarium for listing at thesarne rates applicable to SBCO and the listing machines of SBCO can also be used for thepurpos€ wherever possible. The SO has to submit lhe list of balances to SBCO b€fore106 of the month following the due month of agreerncnt (if the agreernent is due on 31d

Jan the list of balances has to be received by the- SBCO by 106 February). The SOs willprepare the list of balances binder/ledger wise as per Rule 19 of POSB Manual Volume-Iand copy of the chart will be sent to SBCO.

,..q<*rii-5;r

At offc€s where the sBCos are not computorized, th9 verffication of balanceshas to be carried out as prescribed in para 14 of the l{anual ;f sB control procedure.However in the absence of binders to compare the balances and veriry, the SBCO willconduct all other checks prescribed for manual agreernent before taking ftutrer action.

The SBCOs both computerized and non-computeriTed offices will check thebalances of, a:counts w.r.t. previous list of agreed balances for having no change inbalances and ticked.

verification by the end of the month.

will lake actlon to vcriry5.5.03 and complete the

The verification of balances as detailed above ha,s to be completed before the endof the month following the month as on which the agroement is to be conducted.

If the balances are not agreed with the above efforts, the concerned pA of theSBCO with prior peunission of the Divisional Superintendent wifl visir the SO conoernedalong with required records for verification of balances in respeol of binders and accountswhich are not agreed. W-ith the differences reduced to the minimurU it is felt that one-day is sufEcient to finish vorification of balances of an office having 3000 accounts. Onrehrm from the SO, the PA SBCO wil Sue a report to the Superintendent concemed onthe visit through the Post I\,Iaster.

, on receipt of lis of balmces from the SO, the SBCOthe2 balmces as prescribed tn lenel. No. 113_U2003_Sn Lrea

The verification of balanoes of an offce should be completed in all respects bythe end of 2'd month following the month as on which the agreemenl is to be conducted.

For the purpose of grouping of offices for agreanen! the SBCO will prepare listof SOs showing the number ofRD accounts as on 31s Decernber 2003 and send it to AO.ICO (SB) through the concemed Dfuisional Superintendeng suggesting the groups ofoffces that can be put together for the purpose in the following proforma:

PROFORMA

Due datss ofAgreement

3l Ia$/31 Juty

28 Febi3l

Offices to be ed Total No. of AccountsTo be agreed during themonth

Aug

sl.No.

Name of theoffice

Nio. ofaccounts

30 ApriV3l Oct.

rid lvlayl3o* Nov

Jrme.r3ls DecGRAND TOTAL(the grand total numtrer of accounts should agree with the total nuunber of accounts of theHO including all the SOs)

The AO, ICO (SB) will return the list of offices to be agreed every month dulyapproved. A copy <rf the approved list will also b€ sent to the concerned .Dnl. Supdt forinformation. During the annual inspection of the HO, the ,1O, ICO rvill check andconfirm whether th: verification of balances of SOs is being canied out as per theapproved list.

The abwe procedure is effective from 1.1.04 an4 up to 31.12.03 rhe procedureakeady circulated vide SB Order No. 8/2003 (N0.1 13 -llz0(2-ilB dat6d 5 5.00has to befollowed. The SBCOs w-here no computerization of RD wrrk has been made, mayhowever verit the balances as on 31.12.03 as per the aforesaid lnocedure.

Except to tbe exlent explained in this order, all other guidelines irr he SB OrderNo. 8/2003 hold gold.

It is requestod that the above proccdure be brought to dre notice of all conccmedfor information and compliance. Receipt of this letter may please be acknorvledged.

'fours faiihfully,

a *Jr{.K. Sreedhara)

Accounts Officef (SB)1t4c1

Copy forwarded to :

l. Director General of Audit, P&T, Delhi2. All Directors,lDy. Directors of Accounts, Posts3. Director, Postal Staff College Ghaziabadtt. All Principals, Postal Training Centres5. DDG,IPGID,DG(VIGyDDG(EsII.)/DDG(PO)/DDG(TeI;h)6. AD (SByP'f/Inspection?F,4lnvestigation{Postal Accounts Scction7. Nl recogntzrd Staff Unions & Associationt. AIl Accounts Officers, ICO (SB)9. All Membe;rs, Postal Services Board10. Director GI)O Kolkata,Mumbai

.,r.-^.r=.---I

Head Post Office

Accormts OfEcer (SB) tH*

S.B. Order No.7l2W

Gort of IndlaMinistry of Communications & IT

Depsrtment of PostsF.S. Division

No. 3-72@4-SB(AO) Dated 96 February2OO4lt

To

AII Heads of Circles/RegionsAddl. DG, APS, RK. Puram, New Delhi

Sub: Revlsion of questionnalre of inspection of HPCIs by AO, ICO (SB)

Sir,

With the decentralization of RD and MIS work 0o Sub Post Office lwel and gMngsome hdependent powen to the MDGs, it has become necessary to check whether theseworks are being carried out in the SOs as per nrles and proper arrangernent is made forthe safe custody of the records transfened due to docentralization. And chectjng bySBCO of the vouchers of RD and MIS accorurls with respect to postings in binden is alsonot possible in the revised procedure. So it is neoessary for the AO, ICO that during theinspection of Head Post Office, to inspect the MDGs and the SOs also. As inspection ofall the MDGs and SOs is not possible, the AO, ICO may irupect at least one MDG or oneDeparUnental SO (othsr tttan MDG) during the inspection of the Head Post Offce. Theofficrioffices to b€ inspected can be sclected by the AO, ICO inspectfurg the HPO. Noextra day is recommsnded for inspection of MDG and DSO by the AO, ICO (SB). Theinspection has to be carried out within the number of days norv prescribed. The Hoad ofthe CircleiRegion may howerrer granl an extra day when sought for before taking up theinspection of the HPO. This grant of additional day should not b€come one of thereasons for non-completion of annual inspections as per the calendar by the AO, ICO(SB). fie AO, ICO can inspect more than one Sub Post Office. also, with the reduction ininspection at HO relating RD and IttrS in respect of SOs

The rwision of questionnaire of inspection of SB and SBCO branches of HPO ismado to the following extent keeping the above points in view.

Revlsion of Questionnrlre of Inspection of SB and SBCO branches of HPO by theAO, ICO (SB):

SECTION: I

Add the following to the existing Question l(a) *

'Review the paras out-standing and examine whether they ire proper\,and timely replied. If action is pending insruct suitably.

SECTION: II

Add tho following to the exjsting Note:

'In respect of rluestions 1, 2,3,9, ll and 14 the checking rf RD & MIStansactions rvill be restricted only !o that of HO'

Add the following to the existing Q. 7:

'At Head Por;t Offices where annual interest is calculated on computers.it is enough only 0.250,6 of Savings Accounts and lolo of PPFATISS accountsarc checked. In respect of accounls of MDGs the checkjng will howeverremain at 0.liolo and 2olo respectively.

Add the following as tl. 15 after existing Q.l4:

'(a) Check the register of Deceased Claim Cases of Salings Bank to see thatthere is n,r delay in setflernent of claim cases, the register is maintainedproperlv is prescribed in Rule 87 of POSB Manual Vol. I and the cases

are being enlered in the r€gister immediately on receipt of the cases.

(b) Select a lbw cases ofRD claim cases settled under Protected SavingsScherne r:o see that the cases firlfll the roquired conditions for settlernentunder tht: scherne

O A general oheok of a few ciues may be conducted.

SECTION- III

Follow'rng be inserted as <luestion No. l0 (iv) after 10 (iii)

See that dre six month! verification balances of RD Accounts as

prescribed in para 4 (inXa) to (f) of letter No. 113-I/2()O2-SB dated 5.5.03(SB order No. E/2003) is being carried out read with li est orders issuedliom time to time

Add the following as Q. 22 after existing Q.2l

See whether the SBCO is rsporting gases of Minus BalancEs flary monthto the SPO/AO, ICO (SB) and PMGs as prescribed in DGP kt. No.3-ll93-SB dated,20.7.93. Inspocting ofEcer to personally rwiew someof the accounts having minru balances and suggest ways means to clcarthe same.

Following be inseited as Section-IV of the Questionnaire affer Section-Ill

SECTION-IV (MDGs and SOs)

l. Generally get satisficd that the work of the SB branch is being carried out asper rules and procedures p,rescribed from time to time and necessary nrlingsand manuals are rvailable with ttre Sub Postnaster.

2. In respect of RD and MIS Accounts checking as prescribed in para 1.2,3,9,I l, 14 and l5 of Section tr may be carried out.

3. See that the SPM has talien action in respect of silent accormts as per therevired procedure.

4. ln respect of Savings, PPF and NSS Accounts the interest statsmentreceived are posted in tho relevant ledgers (other than MDG) by the SPNIand annual Intercst is being add€d to the Pass Books.

5. In respect of trarsactions by cheque it has to be examined whether the SPMis following the correct p,rocedure keeping in view tho para 12 of Section-tr

6. See that the Register of Advices of Transfer receilEd and disposed of ismaintained proper[ and the accounts are op€ned coffectly as per Rule 58 ofPO SB Man,ral Vol. I.

7. See whether all the registers to be maintained as per nrles and instructionsksued from time to time are maintained in the Sub Post Office.

It is requested that ths above may be brought to the notice of all concerned andreceipt of this actnowledged.

Yours faithfirlly,

a( )Accounts Offioer (SB)

q

Copy forwarded to :

l. Director General of Audit P&T, Delhi2. All Directors/Qv. I)irectors of Accounts. Posts

3. Director, Postal Strff College Ghaziabad4. AII Principals, Postal Training Centress. DDG/PG/DDG(V tG/DDG(Estt./DDG@O/DDG(Tech)6. ..fD (SB)"G/Insp<,ction4PF/InvestigarionrPostal Accounts Section7 . Nl rccognined Staf Unions & Association8. All Accounts Offic ers, ICO (SB)9. All Members. Postal Services Board10. Director GPO Kol kata,Mumbai

Accoun ts )

Gort of IndiaMinistry of Communlcatlons & IT

Department of PostsF.S. Division

No. 3-3/2004-SB(AO) Dated Shfetr:naryZC/|/t,

To

AU Heads of CircleVRegionsAddl. DG, APS, RK. Puram, New Delhi

Sub: Inspection ofHead Post Ollices (SB and SBCO branches) byThe Asst Accounts Olficer at ICO (SB)

Sir,

With the promotion of 80o/o of JAOs, as Assistant Account$ Offcers with effectfrom 1.4.87 in most of the circles and regiors the, Accounts Officer is assisted by Assl.Accounts Officers. Even though the JAOs are conducting inspections independently, as

per the existing provisions of Rule 136 (d) of lvlanual of SB Control Paring and IntemalCheck Organization, they can inspect only offices having less tlun 50000 accounts. Withthe increase in number of accounts in HPOS the responsibility of inspection on theAccounts Offrcer has increased considerably.

So. it is decided that in offices where AAO.{ccounts Officsr, the AAO may be given additional

is oosted in ICO (SB) alons with thebtrffiAf ';ii/Geonasfollois:

Insert the following as para 136(d)(i) of Manual of SB Conlrol Pairing and IntemalCheck Crrganization and rsnumber the existing para f36(d) as 136(dXii)

" In circleVregions where an AssL Accounts Oflicer is provided in t}e InternalCheck Organlzation, The AAO can carry out inspectidn of all omc€s having less

than 2 lakh accounts and inspection of such olfices may be equitably distributedbetween the AO and the AAO. But every such pilice inspectod by the AAO having'less than 50000 accounts' and 'less than 20ftr00 accounts (but more than 50000accounts)', should be inspected by the Accornts Olficer at least once in 5 years and3 years respectively. "

It is requested that the above mav be tnought to the notice of all concemed and

receipt of this acknowledged.

Youn

Officer (SB),lrl,Y

A

S.B. Order No. 8/2004

Copy forwarded to :

l. Director General of Audiq P&T, Delhi2. All Directors/l)y. Directors of Accormts, Posts

3. Director, Posld fltaff College Ghaziabad4. All Principals, Pcstal Training Centres5. DDGiPGIDDGC'/IGyDDC(Estt./DDG(PO)iDDG(Tech)6. .{D (SB),Pc/lnspection/PF/InvesrigatioilPostal Accounts So(:tion7. All recognized Staff Unions & Ascociation8. All Accounts Oflicers, ICO (SB)9. All Members, Postal Services Board10. Director GPO K,rlkata,Mumbai

Accounts Ofiicer (SB

SB Ordcr o.9 Dt04No.l l0-3/2004-SB

Govcrnment oflndiaMinistry of Cmunicatims & IT

Departmed ofPostsSB Sectio

343-F, Dak BhavarUSusad Marg

New Delhi-l10001.

Dald:16.03.2004.To

Alt Heads of Postal Circles / Regi@,Additimal Direaor Caeral, APS, New Delhi.

Sub : Clarificatim regarding ider-account tansfer of MIS iut€rest to SB/ RDAccounts.

Sir / MadarU

Thc Directcate has be€n receiving from POSB depocitms forinter-accourtr transf,er of monthly iuterest of MIS Acc,oturt to the SavingsAccoud and Aom Savings Account to Recurring Depcit Accounts. Int€r-accour[ transfer of monlhly ifie,rest of MIS Accourf is permissible to SavingsBank Accorurts and RD Acoout provid€d all tlre accounts stand in the samePost Office.

2. The procedue fu croditing monthly MIS htcrest to the Saving Acoountis givea below:

AutontrqedtofMIS fuercrt h Sovhgs Accods:

A d€positor caa heve his monthly irt€res credited iato his savingsaccouflt by g"ing standing irgructions to the pct ofrce provided both theaccouds Saod in th€ samG ofrce. The ceiling of balance in the savings accountas proscribed in P.O. Savings Account Rules wilt be obeerued for credit ofint€r€sL The prmedrre for autmatic credit will be as belowi

(i) The d€pcitor will p6cor aa applicatim to th€ post ofrce where theaocount stan& r€qu€sting for credit ofthe monthly interest due on the

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accow trr his savings accourL The number of MIS and the numberof savings account will be fimislrcd in the application.

(iD On receipt of the application, tlrc Counter Assistart will cornpare thesignature on the application with the specimen sigrrature on recondan4 if it agrees, give an acknowledgement to the depositor fm theapplicaticn. If there is any discreparcy in the specimen signature, itshould h: got attested in the marmer prescrib€d in Rule 36. Thedepooitor will be informed thar he will be required to present the pass

book at lieast once in six months for making entries of payme,nl ofint€rest An errtry wil be made in the ledger of MIS Accounls"Monttrll, inter,ost to be crditcd in the savings accourf Novide application kept at serial number........... of'Guard Book". ThePlv[/SPM will examine the ledger ald tlrc applicafion and place hisinitial on the ap,plication fcm and against tlh€ entry in the ledger. AIIsuch apgrlications will be kefl in a s€,paf,ate guad book seriallyrurmberol.

(iii) The partr culan of all zuch applications will b€ ent€red in a register tobe maintrined in the following form:-

Dare ofqedit inSavings acroudDre Acenl

SufEcient space vrill be left batween the entries in the register so that allmonthly ht€rest pryments can be entered i.e. 72 lines will be Ieft before nextedry.

(iv) To enable a. watch being kept over the prorntr transfer of irterest to thesavinp acc,)utrl, s€parale pages of the register rrill be allotred date wisefor each month. The entries in the register rrill be sorutinized regularlyand actio,n initiated to have the interest cr€dited to the savinp accountpcitively onthe due dale.

(v) The Countrr Assistad will prepare a withdrawal form (SB,&) for theamount of interest on dre date. Orly the warant of paynent side oftheapplicatim fon withdrawal in the prescribed fcrn ned be filld. Anefltry will lrc made at the tope of the form ' For credit of interes insavingp account nrunber. . . . . . . . .' The warrant of paynent will be signed

5

Amountofhterest

sl.NO

MISAccountNumb€r

(l) (2) 3

tiavingsl\ccountl,Iumber

(4)

Remark

6( )( ) ( )

-3-by the Postna$er / Sub.Pmtmaster. The amoud will be simuttaneouslycredited h the SB ledg€r card I ldger conc€med. The pay-in-Slip forthe credit will be preparod by the PA and sigrred by the Postmaster / Sub,Pstmager. Both tb€ tsamactiooS nemely, the payment of inlerest andcredit itr savitrgs aaooud shoild appear in the respective list ofhansactions on the sanre date. A re,mark will be made agains the entryin the list of hansactions of MIS account 'By transf,er to savings accountnumber......' and in the list of farnactions fr saviag accourfs" bytransfer of iderest of MIS Account Number.........."

(vi) when the S.B. pass book is pres€dd fot Eaasactim after the credit ofirrt€rest in the savinp aocount, necessary enhies regarding the paymentof interest and credil in saving account be made therein The entrieswill also be mads in thG MIS pass book u/t€o it is preserted once in sixmorilts.

(vii) If the de,positm cancels his request fr credit of imerest in savingsaccoud q if eith€r the MIS accoud m the saving accoutrt q both aretaosferred from the office, or if savingp aocouot is cloee4 8n €ntry willbe made on the original application- 'Concelled' under the signafire ofthe Postmasts / SubPMaster. The depooilor, if he desires to have thefacility after hamfer of the accoru4 will bave to make a frestrap,plication to the new office.

(Rule 136 of POSB Manual I preseribd for 6€dit of TD funerest in SavingAccouflt will apply for MIS to Savin$ Accoud)

Autondc trusfer ftom S.t/ht Account to Recurrhg Depcit Accourts:

The operating procedur€ has b€€n c@tsind in Rule 109 of FOSBManual Vol. I u&ich is reprodrced below:-

(i) Th€ facility of autmatio trander of deposits from savings accourts toRD accounts will be available ur applicatim made by the depositors infornr (5883) glven in Armerure-3'in the folowing cases and subjec{ tothe conditions detailed below:-

CASES

From tlre savins account of a depositor to RD Accouttt(s) in his ownname and at the sanre @ office.

I

4'

Frmr the savins account of a depositor to RD accoun(s) standing inthe name ofhis / her spouse and / or dependam childreo.From a savinp accowfi ofjoint depositos to RD a<roun(s) standingin the namer of the same joint dryositors.From joint "8" TWe saviags aocoN.rfl to RD account in the nam{s)ofd€pendarfi children ofeither of the joint accounts holder.

CONDITIONS

(a) The savings and RD accouttt(s) should bo of,€rated at the samepct ofEce.

O) The facility will cease on the death of rhe depositor (both thejoint depositcs in the case ofajoint account). Thereafterthelegal heir of the depositor has to make arrangeme.nt forcrediting the dre installrnerls to the RD accoun(s) if it isdesired 1o continue the sarne.

(c) Tht; depositc(s) will not be allowed to make cash deposits inthe RD accourfs after once having applied for the facility ofautomatic transfer unless the arrangement is revoked inwritinS

(d) The trander of the arnount will be nqmally made on q afterthe 15fr of the month. If on lhe date on which the work istaken up the balance at crdit of the depositor(s) in the savingsacoount is iosufrcient for the purpose, no transf,er will b€effected for that month. It will b€ trealed as defauh. Noidimation or warning of this fact is to be gven by the post

oflice and it will b€ for th€ deposito($ to eosure theavailability of sufficient funds in the savingp account.

(e) Ttre pass book will b€ pro&cd by the depositor at the of,Ece

wtrcre the account stands in the month of January, .April, Julyand October for entry of the transactions therein If thisrequiremert is not fulfilld the depoeitor will have to acceptthe balances in the ledger card / ledga as final" so far aswithdrawals for ctedit to RD accoun(s) are concemed.

PROCEDTTRE

(i) In Hcrd and Deportnentd Sub Of,ces:

(a) On receipt ofapplication in the prescribed form from the depositor alongwith the relevar pass books, the Counter Assistant will satisfy himselfabout th€ eligibitity of the ap,plicant for the facilrty. If eligible as per

2

3

4

5-cooditions given above the Courter Assistant will veri& the sigruf,rre ofthe depositor in the application with specimen on r€cold and make arernark to ttis efec{ on the application and trander the applicatim withpass books to the PIWSPM. The Plyl/SPM will see that the RD accourtr isactive ard pass rders for acc€pting the application and transfer it wittlthe pass books to the concerned Postal Assistad

(b) The concerned Postal Assistant will enter the particulars of theapplication in the register to be maintained ftr this purpose in form atArrrerure4. A remark will be made in the application in red ink'Ed€rd in the regist€r at S€rial No.........' Enkies will be made inrunning series conmeocing with one.

(c) He will make following r€ma*s on the cover and the first page of thepass book iD rd ink and initial below the entries:

(D Sdng Bsnk poss book Rs.............. to be transf,erred to RDAccount No........ from...........(month and year) titl........ .videapplication at serial no.......in the register.

(iD RD poso Boo(s): Irdalments from........(month) to be credited bytrader from saving account no. . . ...vide application af s€rialnumber...........in the register.

(d) The Count€r/Irdger Assistaril will make the remarks detaild in previousparagraph in red ink at the top of the relevant SB/RD ledger carddledgers and also note on the apptication noted in the ledger cardVledgersunder his dared signature. The ledger cerdVledger$ application andreglster will be placed before the PIWSPM who will check and attest the

enties in ttrc ledger carddledgerdregister and on the application in tokenofhaving done so. The application will then be filed in a special guard

book in the serial order ofregi$ratim by the coocenred Postal Assistarit.

The pass bmk will be retrmed to the Counter Assistarf.

(iii) On the 156 of each month o,r if 156 happeos to be a holiday/Sundaym the following working day the conc€rned assistant will prepare

withdrawal vouchers in the form of application of with&awal inrespect of eactr savingp account with reference to the register ofapplicatioVgrard book Each voucher should be superscribed in redink Traosfer to RD aocouflt clearly indicating the penod"denomioatim and number of accouul Vouchers pepared will be got

-6 -signed by &e PI\,{/SPM and trant'erred to the ledger/count€r assistartcoocern€d The withdrawal form (SB7) will b€ usd wirh suitablecorrection in it

(rU The e,mies of withdrawal frorn the savins account will be made inthe cmcerned ledger card4edger in the usual manner, a remark to theefect that withdrawal is for credit to RD acoolxf being given againstthe fitry in tbe remarks cohum. Pay-in-slip witl be-prepareO inrespect of RD account wilh a renrark 'by transf,er from savingsaccount'. The depooils will bo post€d in the relevant RDledger/Iedger card in the usual mamer.

(v) A special list of tansactiom will be prepared for each account inrespect of credit affoded to RD accountg superscribed as "credits bytraosfer from savings aocoud". The total of this list will be cariedfqward to the usual list of transactions agaifts an efltry 'By transferfrom Saving Accourrt' in rbe columr fq account number. Thespecial list will be atached with lhe ruual list

(vi) After necessary ertries have be€n made in all &e ledger cardVledger,the P}vI/SPM should check with reference to the rernark recorded inthe ledger cardJledger vi& para (ii) above tbat the SB withdrawalmade was acurally authcized by the de'positor and is for correctamorlrrt and also that the amourfi was aclrally credited to thecurcemed RD account with reference to the special list oftransactions rcferred to in para (v) above. Remarks credit to RDac€ouf,t verified will be recqded @ the reverse of each voucher inred ink undet daled signatre of Plvl/SPM.

(vii) ln case the bolance in the savinp accoutrt is found to be insufficientfor effecting tbe transfer, the depooitm will be deernd to havedefauhd in the paymem of the cqrcerned installment. A note thereofwill b€ made in the ledg€rAedgFr card on the application forautomatic transfer.

Where rhe ftnsfer has to be made to a number of RD accouots ard the

balance in the savings aocou is not sufficient to elfect transf,er io all ofthe,m credits will be afforded to the maximrrm number of RI' accounts

possible. In the remaining RD accounts, the depositor will br d€erned tohave defautted in payrrert of the corrcerned instaltrents Transfer ofamounls to RD accouts will always be subject to tlr requironemregarding minimum balance to be maintaind h savinp aoount.

7

(viii) When a RD accc,urt is to be treated a discontinued on accouut of suchdefaulls, the faility of autmratic trarisfer will be simultaneouslydiscodinued

(ix) Whenever a depositor desircs caocellatim of the faciL'ty he should applyin writing alongwith all the concerned pass boolc, Suitable remarts willbe msde regarding the csmellatioo against th relevant effry in tberegister of autonr,atic trantrers atd the r€mark in the puss bookVledgercudVledger regarding the facility neatly canceled under the signarure ofttrc Plvl/SPM. Ttte applicatim for cancellaio will after r*ritable rernarksbeing recorded therein under the PlvI/SPM's signafire tr€ pastd to thedglnal applicarion in the guard book.

(x) On receip of irdimation of &dh of a depoitor suitable rerrarks will berecorded in all cqrrect€d records and the automatic tranfer stoppd. If itis foud that aulonatic trarde, s have beea effec'ted even affer the date ofdeaflU zuch amount will b€ writen back to thc saving ac'count under theautlrority of the P}vI/SPM and sitable rema*s made in SB/RD ledgercardVledgers concemed

(xi) In case a depositm availing ofthis facility, desires his savins account orRD account to lbe transf,erred to ano(her office, he should eithsr have allthe accounts corcemed also traosf,emed to the new office or apply fm thewith&awal of the facility. In the former case the qigrral application ofttrc de.poaitor fc''r the facih'ty will be smt to the new office with the ATduly eotered therein and the new office will regrlate fifire transectionsagreeably to the, above procedrre.

(xiD On the 2lr of fte mortrh m next waking &y ifthe 2l'{ is the holiday orSunday, the ledger assistant of the HO/Supervisor of the sub ofEce willcheck the RD l-ong Book and special RD/SB list oftransactions relatingto autornatic credit in RD aocouds Amr the savingp account with theregister of automatic transfers and take following actior:

(a) If all dre credits have besn made, long books, list of transactions andregister will tn signed.

(b) Ifsorne credils have not been made because ofinsufficient balance inthe saving acrcoun! ffisrlgd th€ defaults eflt€red in the apnopriatecolurnns of the register agaimt the RD accoutrs.

(c) If withdrawals have b€en made ficn saviags accourf but credits notatrord€d in th,e RD acaqrrts or in spite of there being sufrciert balance

-8-in the savings account credits have nds been transffi ittto RDaccourfl the omissim will be noted in o,rror book aad credited beforoend ofthe month.

(xiii) When thc d€positor presetils his pass book at the couder as required by

the condition subject to wtrich facility is grven, the entries in the pass

book tranderred will be wrifrerr up and brouglrt up to date with reference

to ledger cards in HO or with refere' rce to RD ledger in sub offioe. These

effiies will be autherilical€d by date stamp and Pil'7SPM's signaire and

the e,rtry in ledgc'r cad4edgerticked and initiald.

2. 11 is requested that the above or&r may please be brougltt to the

knowledge of all cmcerned in your circle for infonnation, guidance and

compliance.

3. Receipt ofthis letta may kindly be acknowledged.

Younfaithfully,

(KD.YADA9DESKOFFICER(SB)

Fax No.23096108

Copyforuardedto:

Direc'tqof Audit, P&T, Delhi.All Directors / Dy. Directors of Accounts, Pctal.Director, Postal Staf C,ollege, Ghaziabad.

All Prfurcipal Postal Training Centos.DDG/PG/DDC(VIG)AD(SByPcilTrP€ctimPF/Invesrigation/Postal Accounts Section'

All recogrized StaffUnions & Association.All Accounts OfEcers ICO (SB)Ministry of FinarcdDEA) NS II sec'tion, Nodh Blodq New f,)elhi

PStoMenr@D).

(K.D.Yadav)Desk Officer (SB)

23036378

l.2.3.4.5

6.7.8.

9.10.

SB.E3

AI\INEXURf.3

' Apptcstion for lhc purpoc of amiling fhc fisitty of udom4ic Eurs&r frorn Sovings occountto RD Ac:oount (s)

( To be fllcd up in drylicafe in care of accomts sbnding et I Sub Office)

To

The PosErasterPct Offic..

Sir

llwe ............6D holder/hol&rs of savlgs accourt No........-..--..rcqu€st thrt o s.rtr of Rg................... . . ( fury€€s................) may be &bitcd everymorth/cvery dl2 montlr to 0rc sbove martioncd o.cow and 0re same be qEdited to tp rudermentioned RD acoouaUrccounts m ouI thc name of child

this facility b not bcing anilcd of by mdus d prEoent in ttspeot of ary RDacconn(s) in addifion to lhe facility akeady grmrcd b me/us in respect of RD accountNo

Vwe horcby dtohe ftat the conditions subjcct to which the facih'$ ofauomatic tranf,er is permiru$le harrc be€fl read Wto me^ts md l/rve acccpt all the

said oonditions ad all such amcrdmmb lhcr€to tr muy be issucd from timc to time as

binding pon mdus. Thc paas books of savingr md RD accourts conccflred arc

alclored.

Yours faithtully,

Signatur{s) of d?ositor($Da'le

SL No. Nane of Denordnation Acoount No.I( )

a)

3( )

Register of Automalic Transfer fiom Savings Account to RD Accountsat Post Office under ....Head Offic,:.

folio to be allotted for each officesl,No

Dorc of rcgistsationof applcation

Name SovinssAccormtNumber

ANNEXURE-4

Totol amount to behansfi:rred

2 3 4 5

Particulars of RD accormtsAmount Month ond year in wldch dr account qenedAccoult No

6

Month ud yearOf last instatner

No. of &6ults (hogressive)wirh monlhs urd yeu of

Defrult

Initials of PA,/Poatnasta

7 E

9 l0 ll

Reos+< regudmg d€eth of depoaitor,Dscontiruance of 'he frcility,Dkcontimryrce of orc RD mmgCondonalion of &:6ulb, nme ofSpousdchild in wlrcee name the R.D

Aocourt iE hald whrre ncc€s6{y, etc.t2

Note:- Each RD account sh'illd be eflter€d rcpoflfrly rc that monlh and year of dehlb may be clearlynoted against it.

I

SB Order No.l0/2004Govornment of India

Ministry of Communioations & LT.Department of Posts

F.S. Dvision

No. ll0-23l2001-SB Dated: 2243-20M

To

AII the Head of CircleJRegionsAddl.DG, APS, R.K. Puram, New Delhi.

Sub: Post Office Monthly Income Account Rules, 1987- Clarificationregarding status of joint MIS Account on tho death of one of thedepositors.

Sir/I\,ladarn,

I am directed to refer to this office letter of even number dated 28.Ol.2OU(S.B. Order No.2/2004) on the above subject and to state tlat the clarificotiongiven in tho abovo said S.B. order may be treated as "cancelled" and the status

clarified by the Ministry of Finance, Department of Economic Affairs vide theirletter NO.2/23/87-NS-II da;ted 12.12.1988 and the same was circulated vide thisofEce letter No.97-8l88-SB dated 12.01 . 1989 b€ maintained.

2. The Author's Note given by Sh. Dureja in his Book on Post OfficesSmall Savings Scheme Part-I (Edition 2001-2003) and Note below para 7 of SB

Order No.2i2003 dated 07 .01.2003 may not be taken into account as this has

created confirsion in the minds of the opcrating staff.

3. This may be brought to the knowledge of all concerned for guidancc andcompliance. Rcceipt of the letter may bo acknowledged.

Yours faithfully,

(K.D.Yadav)Desk Officc(SB)

I23456

Copy forwardod to :

Director of Audit, P&T, Delhi.AII DirectorVDy. Directors of Accounts, Postal.Director, Postal Staff College Ghaziabad.All Principal Postal Training Centres.DDG/PG/DDC,( VIG yDDc( Po)AD(SB/PGn.nspection/PF/Investigation/Postal AcrrcuntsSection/O&lv{. Section.AII recognized StaffUnions & Association.AII Aocounts Offcers ICO(SB)PS to Memhr(D).Director, GPO, Kolkata.

7.8.

9.l0


No. 32-212003-SB


Department of Posts(SB Desk)

SB Ordcr No,ll,/2001Mosl Immcdiale

Dak Bhavaq Sansad Marg,New Delhi-l l0 001

Dated: l6thApril, 2004.

To

All Pr. Chief Posfirasters GeneraVChief Postmasters GeneralCGM (PLD/CGM (BD)All Regional Postmasters GeneralDircctor, Postal Staff College, GhaziabadAddl. D.G. APS, R.K. Puram, New Delhi.All Principals, PTCs

Subject: Opening/operations of PPF account by a Power of Attorney holder-clarification rcgarding

r*rrrSir/}4adam

I am directed to forward herewith a copy of Ministry of Finance (Department of Economic Affairs) letter No. F.71712004-NS-II dated 12.04.2004 tothe Reserve Bank of India, Deparment of Govemment & Bar* Accounts, CentalOftice, Mumbai clari$ing that in the absenc€ of a specific provision in the PPFScheme, 196E, a Power of Attomey holder can neither open a PPF account noroperare any PPF account on behalf of a subscriber.

It is requested that this letter may pleese be circulated immediately to allconcerned for information, guidance atrd necessary action.

Please acknowledge receipt ofthis letter.

(R. sooD)D.O. (SC & FFMC)

Copy to:l. Ministy of Finatrce , DEA, NS-II Section, North Block New Delhi with

reference to their letter No. F. 7/7/2004-NS-II dated 12.04.2004.

Secretary (Posts).

Membcr (O/lvlember (P/ Member (D).Sr. DDG @O&I)/ Sr. DDG (MM/JS & FA/ Secretary, Postal ServicesBoard.All DDGs.Director of Audit, P&T, DelhiAll DircctoryDy. .Direcrors of Accounts, Postal

National Savings Comrnissioner, Nagpur, 12, Seminary Hills, Nagpur

(R.K. SOOD)D.O. (SC & FFMC)

234

5

678

9 All recogrised Service Associations & Federations.

No.F.7/7/2004-NS.IIGovernment of IndiaMinistry of Finance

Depanment of Economic Affairs(Budget Division)

To,The Assistant Manager[ Shri A.G.Pathak],Reserve Banl: of India,Deparunent cf Governrnent & Bank Accounts,Central Office, 46 floor, Byculla Office Building,Opp. Mumbai Cenual Station,Byculla, Murnbai - 400 008.

Subject:- Opening/operations of PPF account by a Power of Attclarifi cation regardi ng.

,rgt'[ lS45

....!

,/u'.")

Speed Post

New Delhi, Apil 12,Z00a

,(uL'

sr-

Sir,

I am directed to refer to RBI's lctter No.CO.DT.l5.02.NllH 497312003-Mdated 16.03.2001 on the above subject. The mattcr has been considered in thisDepartment. It is clarified that in the absence of a specific provision in the PPF Scheme,196E, a Power of Attorney holder can neither open a PPF account nor operate any PPFaccount on behalf cf a subscriber.

<1 g.to

* a.lt''.,

^g11..-

..-r"'\n-

Yours faithfully,

sd.(P.C.Singh)

Under Secretary to the Govt. of India.

6r, to the DDG(FS) [Ms. R. Handa], Depanment of Posts, Dak Bhavan, Sansad Marg,New Delhi, for inlbrmation, guidance and necessary action.

-.'(P.C.S m

Under Secretary to the Govt. of a)

To

No.6rt32oo2-sB

I Pr. Chief Posmasters GeneraVChief Posfitasters GeneralMELryCGM(BD)

I Regional Postnast€rs Ceneral.

, Postal StaffCollege, Ghaziabad.. D.G. APS, RK. Puram, New Delhi.

Govemment of IndiaMinistry of Communications & I.T.

Department ofPosts(SB Desk)

aaaaa

SB (hdcr No.tTIN)lMost Innediue

Dak Bhavan, Sansad Marg,New Delhi-l l0 001Dated: 22d April 2004.

(R.K. SOOD)D.O. (SC&FFMC)

(R.K. SOOD)D.O. (SC A FFMC)

Nl Principals, PTCs.

Subjdu Qonridcntion of provirionrt rccclpt brued ageinst purchrrc ofi SrrUg Ccrtincetcr for the purpocc of ctriming concc*ionr undcr thcI Incomc Tu - rcgerdlng.

A4adarn,Sir

I t am dilect€d to forward herewith a copy of Ministry of Finance

@epbrtment of Economic Atrairs) O.M. No.F.3/512002-NS'II dated 13.(X.20O4 on

the sirbject noted above.

tt is rcquested that this letter may please be circulated immodiarcly to all

condemed for informatio& guidance and neccssary action.

Please acknowledge receip of this lettet.

Copy to:

li. Vtinistry of Finance, DEA, NS-tr Section, North Block New Delhi with: reference to thcir O.M. No. F. 3/5/2002-NS-[ dated 13.04.2004.

i2. Secr€tary (Posts).

3. Member (O/lvlember (Py Member (D)'4. Sr. DDG (PO&[ Sr. DDG (MM)/JS & FA'/ Secretary, Postal Services

5678

9

Board.All DDGs.Director of Audit P&T, DelhiAll Directors/Dy.Directors of Accounrc, Postal

National Savings Commissioncr, Nagpur, 12, Seminary Hills' NapurAll recopiscd Service Associations & Federations.

\

-a2

trt\

F.No. F.-115/2002-NS-l IGoverlnrerrt of lrxliaMinistry ol Finance

D(:partnrcnt of Econonric Aflairs(Budget Division)

s{U) New Delhi, the l3tr' April, 2004

OITITICE MEMOIIANDUM

Consideratiorn of provisional receipts issued against purchase ofSaving Certilicates for the purpose of clniming concessionsunder the lncome l'nx - regarding.

6a

ectubj

qry/..o\

+o\

The undersigned is directed ro refer to Department of Posrs' D.O.letter N(. 6l-3312002-5B rlated l0'h March, 2004 orr the subject cited above and

to say thht the matter was taken up with the CBDT. The CBDT has infornred that

''78?....;_Li...

t. Adto$'l\f3 .L.\

\'?

the prov sional receipts issrred to investors irr accordance with the provision in theNSC an KVP Rules lor the post offices due to non-availabi lity ofcertilicates canbe used or the purposes of clainring rebate urrder the Income Tax Actrprovidedthese ar issued after ensuring lhat the sunr irrtlicatecl in the receipts lras lreen paitlor tlcpos tctl.

(P.C.S rsh )Uniler Secretary to the Covt. of India

Ms. R. HandaDy. Director General (FS),Departmbnt of Posts,Dak Bha,l,'ran,New Dellhi - I lO 001.

I

a

t{o.'D\

SBORDERNo.t3 DoM

Govermed oflndiaMinitry of Cmunicatioos & m

@orfnentofPabSB Sectior

343-F, Ihk BluvarUSansad Marg

New Delhi-l10001.

No 1fi6l201)4 SB(FC) Dded:116 Mey,2fl)4.

ToAll Hee& ofPoOal Circles,Additional Director Geaaal, APSI, New Delhi.

Sub: Prevedim of op€oing of iregular KVP / NSC / NSS / PPF / TDS / MISAccquts

$n/Mdu,

As you are aware tte Oepatneat of Posts is providing Banking Servicesto the p€ople al every @k and cqner of thc coutry. Due to fraud aodum€rtaitry in the sharc martsts aad otlrer finmcid s6vices, the people aretrming to the PoEt Ofroe Savings Schems in th€ rccert years. The Dircctoratois very much conccrnod abqn Ore tnend of court cases in the recenttim€s" I1 hss bem noticGd in filod ofthe ces€s irregular opeaing of accounts, notcloingtbe.ccoud imedidely afl€rthe death of a depositor, accormts openedwithout nominees, noo*,bking tlt€ minfunm aod maximum deposit level of ad€positfi as per preuibed rulos, udimety regulsrizdi@ of irregular accounts,allowing uoauthcized iditrtioc to open accouds rmder Poc Office Savirglaccouns, etc. are the causog for oourt caseo. The Courts have also coqre downhcsvity on the Deparherf for not checking tlre irregular o,p€ning of accouils atthe ffial dage and it is also trot fsir on the part oftbe departmemt to infqm thed€positor about the irregrlarities at the ffnel $age i.e. at the time of maturity ofsuch acoounts.

2. It is roquested to eosur€ that such irr"srlsr opening of accounts rurderPqt Office Savings Schcmcs ough to have been dct€ct€d at the initid stagps

ib€lf Tb Mioisry of Finance, D?ar ed of Econmic Affairs is also

imisting to take actim agEirE the Gning postal ofrcial(s) fo allowing suchopening of inegular accoutrts. Itr fuhre, dl srch propGal fo regularization ofirregular acoormts should be accnrymiod with the actim taken on the erringoffcials.

3. It is therefore, requested rhar all Heads of Circles and Directm ofAccounts (Podsl) to detect srch irregrlarities at the eadiest poim of time anddl the couter clerks handling ruch opening of FOSB Aocouds to be urgenllye&cot€d ad be careful at the opeaing of the aocoums. They may also beinforr€d of the decision of the Ministry of Finance, peparunem of EconmricAffairs that severe adion may be takea agEinst thce who are responsible forop€ning of srch in:egular accouflts. Atl Atditfis may also be advised to cheokthe newly opened acconds year-wise d poitrt out the irregrrlaritiesfurrnediaely.

4. It is reques[€d thst tbe above iffiuction may please be brough to theknowledge of all concerned in yor Circle for inform*ioru guidance andco4liaoce.

5. Rooeif, of this leucr oay kindly be acknowledged

Y faithtullv,

Asstt Accouuts OfEoer (SB & rtol

Copy forwarded to :

Directorof ArdG P&T, Delhi.Att Directors/Dy. Dirrctors of Aocourds, Podtal.Director, Pdstal Staf College, GtaziabadAII Principal Pctal Training C€dres.DDG/PC}/DDG(VrG)AfiSB)"Gflrspcc'tioo/PFAtrvc$igatimlPodal Apcounts SeclionAll recopized StatrUnions & AssociationAII Accounts Ofrcers ICO(SB)MinisE, of Finance(DEA) NS II sec{ion, Norlh Bloclq New DelhiPS to Member(D).

l.2.

3.4.5.6.7.

8.

9.lo

P.P.(Asstt Accorils Officer &POlt slo

No.l08-I0/2004-SBGorrcmrrent of India

Ministry of Cornmrmicationl & ITDepartnent of Posts

(F.S. Division)3alF, Da[., Bhavaru

Sansad MaryNcw Dolhi - ll0 001.

To Da,r,d:@.O7.2O04.-AIl Chief Postrnasters General /All Po*masters C€neral.Addl.D.G., Army Postal Services, New Delhi.

SubJoct :Submission of cases of regrlarization / relaxation of Rules in PostOffrce Saving Bank i Post CEfice Saving Cerr.ificates- Guidelines -Reg.

Sir i MadanL

'Ihe Ministry of Finance, Depadment of Economic Affairs hal,e directed thatall the cases of regularization / relaxation of Rules in Post Office Saving Bank / Post

Offrtrc Saving Certificates should be refef,red to that Ministry only with thereconrnrendations of MembeaTA (Post). Keeping in view the direction of theMinistry of Finance (Department of Economic Afhirs), such cases were referred totk Integrated Finance Wing of the Directorate for concurrence. IF Wing has desiredthat such cases should be referred to that Wing only with the recommendations oftheHead of Circle and conculrence of Circle I.F.A IF Wing has also desired that thefinancial implications involved in such cases should also be indicated.

Accordingly, it has bccn decid€d that dl Pmt Cf[rce Saving l]ank / PosOffice Saving Ccrtificates cases requiring regularization i relaxatisr of rules shouldbe referred to the Directorate with lhe specitic recommendation of the Head of theCircle and concurrence of Circle I.F.A. F'urther, the financial implications involve.d ineach cas€ rnay also bt indicated.

Kindly acknowledge the reccipt

fl;Y'**(AIVITT.{BTKMFtrU/A6

DIRECTOR (FS)

sB oRITER NO.l4rZfi)4

No.79-8i2004-FSGovemme,lrt of India

Nlinistry of Communications & ITDcpaftn€nt of Posts

(F.S. Division)343-F, Dak Bhavan,

Sansad MargNew Delhi-l10001.

To Dared: 03.08.2004

All Heads of Circles / Regions,Addl.Director General, APS, New Delhi.

Subject: Introdr.rction of new scheme - Senior Citizen Savings Scheme - Regarding

SirA,Iadarn,

I am directed to fmward herewith a copy each of the following documorls receivedfrorn the Ministry of Finance, Department of Fronomic Atrain, on the above zubject:

(i) Ministry of Finance, DEA Notification No.2-8l20O,1-NS-lI dared 02.08.2004regarding the Senim Citizefls Savinp Scherne Rules, 2004, alongwith specirnen ofvarious fornrs to be used for ttris Scherne;

(iD DEA's O.M. No.2-8/2004-NS.II dal€d 02.08.2004 regarding payment ofcommission to the Small Savings Agents; and

(iiD DEA's O.M.No.2-8I2004-NS.II dsted 02.08.2004 regarding classification ofvarious lransactions under the scherre.

3. It is requested tlrar the contents of these Notific.stion and O.M. may be circulated to allconcerned fm informatioru guidance and necessary ac.tion

4. The Schenre is to be intro&ced tluough all Pmt Offrces in India doing Saving Bankwork.

5. The detailed procedure to be followed by the Post Offices is being issued separalely.

6. Kindly acknowledge the receip.Younfaithtully,W

(8.P. BIMAL)DeskOfrer(SB)Enclmutts: As above

Copy forwarded to:

Director of Aulit, P&T, Delhi.All Directors/Ily. Directors of Accoturts, Postal.Director, Postal Staff College, Ghaziabad.All Principals, Postal Training Centes.DDG(PG)DDG(VrG)AD(SByPG/In spection/PF/krvestigation/Postal Accounts Section.All recogrrized StallUnions & Association.All Accounts Offrcers ICO(SB)Ministry of Financ{DEA) NS-II section, North Block, New DelhiPS to Mernben(D).

l.2.3.

4.5.6.7.

8.

9.

10

@.P. Bimal)Desk Oflicer (SB)

No.2-El21104-NS.IIGOVERNMENT OF INDIA

DEPARTMENT OF ECONOMIC AFFAIRS(BUDCETDIWSTOT9

NORTT{ BLOCK, CENTRAL SECRETRIAT,NEW DELHI.I IOOOI, THE 2ND AUGUST,2OO4

OFFICEIEMOn,UvOTnaSubject: lntroduction ofa new smell savings scheme under the *Senior Citizens Savings

Scheme Rules, 2004" - Regarding.

The undersigned is directed to say that the Govemment has decided to introduce a newsmall savings scheme in accordance with the "Senior Citizens Savings Scheme Rules, 2004"(hereinafter refcred to as the said rules), wirh effect from the 2d August, 20M.

2. The said rules have been notified in the Gazette of lndia (Extraordinary) on the 2dAugust,2fi)4 (copy ofthe signed notification enclosed)

3. The scheme shall be operated through the post oflices, authorized by the Director General,Posts in accordance with the said rules, throughout the country.

Various transactions under the scheme shall be classified as under:-(i) Depmits and withdrawal of principal: Major Head: 8001 -National SavingsDeposis.. ...(ii) Itrtcrest payments to the depositorc: Major Head: 8008-lncome and Expenditureof National Small Savings Fund.02-lnterest Payments to Subscribers. l0l-lnterest on

4

To

5.Copy to:-

I.

2

3

4

National Savings Deposits

Ms. P Gopinath, Deputy Director General (FS), Department of Posts. Dak Bhawan,Sansad Marg, New Delhi - I 10001 .

Ms. Divya Malhotra, Deputy Dircctor General (PAF), Departmenl of Posts. DakBhawan, Sansad Marg, New Delhi - ll000l.Principal / Finance Secrctaries / Finance Commissioners of all state ad UTGovemments / Administrations.Shri Anil Bhanacharya, Joint National Savings Commissioner, National SavingsInstitute, 4'h Floor, CGO Complex, Seminary Hills, Nagpur440 005.Director, Small Savings all State Govemments / UTs.

t)L-'-(P.C SIffiT-

IJNDER SECRETARY TO THE GOVERNMENT OF INQ/ATELE: 0l l- 2309 3035

Fax: 0l I -2309 2477 / 2309 75t,I

23

I

The Comptroller and Auditor Ceneral of lndia, Bahadurshah Ztfar Marg,New Delhi-2.Controller General ofAccounts, Lok Nayak Bhawan, New Delhi-l10003.Chief Contr<rller of Accounts, Ministry of Financ(DEA), North Block Neu' Delhi- |

All Dealing Asistants in NS.II Section.

UNDER SECRETARY TO THE GOVER*MENIISNSiI

-t-

No.2-EI2004-NS.IIGOVER,{MENT OF IhIDI,A

DEPARTMENT OF ECONOMIC AFFAIRS(BTJDGET DIVISION)

NORTH BLOCK, CENTRAL SECRETRIAT,.NEW DELHI.I IOOOI, THE zND AUCUST,2OOq

OFFICE MEMORANDI.JM

Subject: IDtroduction of the Senior Citizens Savings Scheme - mobilization of depositsthrough small sevings agents regarding.

The undersign,:d is directed to say that the Government has decided to allow the smallsavings agents working under the'Standardis€d Agency Sysem (SAS)', to mobilize deposisunder the Senior Citizens Savings Scheme, ordered to be introdoced in accordance with the"senior Citizens Sav ngs Scheme Rirles, 2004" with eflbct from the 2nd August, 2004, untilfurther orders.

2. lt has also been decicied that commission at the rate of 0.5% (balf percent) of the depositshall be payable to the agents for the deposits mobilized by them, until funher orders.

3. The commission shall ix pa.vable at sourue in accordance 'vith this Department's OfficeMemoranda No. l8/5i99-NS.ll ,jated 28o Merch, 2fi)0 and 4ir May, 2fi)0.

4. The amount of commission paid to the agents shall be debited to the Major Head; 800E-Income and Expenditure of National Small Savings Fund (NSSF).03-Management Cost.l03-Payment of Agency C ommission to Agents.... . -..

(P.C.S GH)LINDI]R SECRETARY TO THI] GOVERNMENT OF I DIA

TELE:01l- 23 1035

Fax: 0l l-2309 2477 12309 2511,IO

l. Ms. P Gopinath, Depury Director General (FS), Department ofPosts. Dak Bhawan.Sansad Marg, New Delhi - ll000l.

2. Ms. Divya Malhotra, Depury Director General (PAF), Department of Posts, Dak Bha\ran.Sansad Marg, Nerv Delhi - I 10001 .

3. Principal / Finance Secremries / Fi ance Commissioners of all state ad UT Govemments /Adm inistratic,ns.

4. Shri Anil Bha.nacharya, .loint National Sav;ngs Commissior,er, National Savings Institute.4s Floor, CG,O Complex. Seminary Hills, Nagpur-440 006.

i. Director, Small Savings all Statc Govemments ,/ UTs.Copy'to.-

I . The Comptroller and Arrditor Ceneral of India, Bahadurshan Zafar Marg,New Delhr-2

2. Controller Gt:neral ofAccounts, Lok Nayak Bhawan, New Delhi-l 10003.3. Chief Controllerof Accounts, Ministryof Finance(DEA), llorthBlockNewDelhi-1.4. All Dealing.i\sistants ir NS.Il Section.

(P{ sr\cH)LNDER SECREI'ARY TO TI,IE GOVERNMENT O}'.N(D\

3

' ffO BE PUBLISHED Iil THE GAZETTE OF TNDIA: EXTRAORDT NARY, PART II - Sec.3(i)l

}IINISTRY OF FINANCE(Department of Economic Affairs)

t{OTIFICATIONNew D,ethi, the 2d Augusq 2fi,4

GSR.........(E) :- In exercise of the powers conferred by section 15 of the Govemment Savings BanksAct. 1873 ( 5 of 1873), the Central Govemment hereby makes the following rules, namely:-

1, Short UUe and commencement :- (1) These rules may be called the Senior Citizens SavingsScheme Rules, 2004.

(2) They shall cc:'':le into force on the 2d day of August, 2004.

2. Irefinations :- I; ;=e rules, unless the context otheruise requires:-

(a) 'Accounf means a savings account opened by the depositor in accordance with the provisions of theserules;

(b) 'Acf means the Govemment Savings Banks Act, 1873 ( 5 of 1873);(c) 'deposit' means the money deposited in an account under the provisions of these rules;(d) 'Deposito/ means an individual

(i) who has attai.ec ;e age of 60 years or above on the date of opening of an account under theprovisions of these rules, and by whom, or on whose behalf, money is deposited in an account underthese rules, or(ii) who has att=:- $e age of 55 years or more but less than 60 years, and who has retired under avoluntary retirerneni scheme or a special voluntary retirement scheme on the date of opening of anaccount under these rules, subject to the condition that the account is opened by such individual withinthree months of iie date of retirement and a certificate from tre employer, indicating the fact ofretirement under such voluntary or special voluntary retirement scheme, retirement benefiB,employment held alongwith period of such employment with the employer, is attached with theapplication torm (FORM-A).

(e) 'Deposit Office' means any post office in India doing savings bank work and authorised by DirectorGeneral Posts, to open an account under these rules.

(0 'Form' means a form appended to these ruies.

3. Opening of account:- (1) Any depositor may open an account at any deposit office by making anapplication in FORM -A alongwith the amount of deposit as per the pay-in-slip in FORM-D, duly filledin, alongwith age oroof.(2) A depositor may operate more than one account under these rules subject to the condition that $e

deposits in all accounts taken together shall not exceed the maximum limit as specified under rule4t

Provided that more than one account shall not be opened in the same deposit office during acalendar month.

(3) A depositor may open the account in individual capacity or jointly with spouse.

4. Deposits and wrmcrawals :- (1) There shall be only one deposit in the account in multipie of onethousand rupees not exceeding rupees fifteen lakh.

-4(2) Except as providd in nrle 9, no witrdrawal shall be perm itted under these rules before theexpiry of a period of five yr:ars ftom the date of opening of an account.(3) The depositor nray extend the account for a further period of three years by making anapplication in FORiI-B to lfie deposit ofFce within a oeriod of one year after the maturity period of fiveyears as specified in sub-ruie (2).Explanation.- Frdension c,f account under this sub-rule shall be deemed to have been made from thedate of maturity inespectivr: of the date of application.(4) A deposit ofnce shall, as soon as it comes to the notice that a deposit exceeds he ceiling prescribedunder sub'rule (1), request the ctepositor in wriUng, to withdraw the excess deposit immediately.

5. Mode of deposit :- ( 1) the deposit under these rules may be made :

(a) in cash, if the amount of deposit is le<q than rupees one lakh.(b) by cheque or demand rlraft drawn in favour of the depositor and endorsed in hvour of the deposit

ofrce, or in favour of the deposit office.(2) Where a deposit is made by cheque or demand draft, the date of deposit under these rules shall bethe date of encashment of he cheque or demand draft.(3) where a deposit is made by means of an outstation cheque or demand draQ collection charges atthe crescribed rate shall br: payable alongwith the deposit and the date of realisation of the cheque orderirand draft shall be the rlate oi' deposit.

6. .NominaUon:- (1) The deSnsitor may at the time of opening of the ar:count under these rules, nominatea person or persons who, ir the event of death of the depositor, shall be entitled to payment due on theaccount.(2) If such nomination is not made at the time of opening of the account, it may be made by the

depositor at any time aftr:r the opening of the account but beforer its closure, by an application inFOR"il-C, accompanied by the pass book to Lhe deposit office.(3) The nomination made by the depositor may be cancelled or varied by a ftesh nomination in FORM-C to the deposit office in which the account sbnds.(4) Nomination fucility shall be available in $e case of joint account also. Howg,rer, in such case, Ulejoint holder will be the first person entited to receive the amount payable in Ore ryent of death of thedepositor and the nomina:'s claim shall arise only after the death of both the depositor and the jointholder.Explanation,- In case ol' joint account or where the sole nominee is the spouse, the spouse maycontinue the account in acrprdarice with tlle prwiso below sub-.ru|e (:l) of rule L(5) In case of a joint account or where the spouse is the sole nominee, the spouse shall also be eligibleto make, cancel or vary dre nonrination made earlier, after the deah of the depositor, in accordbncewith sub-rule (2) to (4).(6) Every nomination and every cancellation or variabon thereof shail be registered in the deposit officeand shall be valid from the date of such registration, the particulars of which shall be entered in the pass

book.

7. Interest on deposit :- (t) The deposit made under these rules shall bear interest at the rate of nineper cent per annum from the date of deposit.(2)Interest shall be payable from the date of deposit to 31s March/3Os June/306 September/3lsDecember as the case mey be, in the first instance and thereafter, interest shall be payable on 31rIvtarch, 306 June, 30s September and 31r December.(3) In case any of the da tes of interest payment, specified under :;ub-rule (2), fall on a Sunday or aholiday, the previous working day shall be deemed to be the du€. date for the purpose of interestpayment.(4) If so authorised, inten:st payable on the due dates as specified in sub rule (2), shall be credited toffie depositor/s savings acc'ount in the deposit office in which the acc,)unt exists subject to $e conditionthat by so credit of the intrlrest amount the maximum limit of deposiB, if any, in the savings account, isnot exceeded.

{-

(5) If,-the interest payabie every quarter is not claimed by a depositor, suci interest will not earnadditicnal interesL(6)Interest shall be rounded off to Lhe nearest multiple of rupee one and for this purpose any amount offifty paisa or more shall be treated as rupee one and any amount less than fifty paisa shall be ignored.(7)The excess amount referred to in sub-rule (4) of rule 4, shall carry interest at the rate ipplicablefrom time to time to the Post Office Savings Account and such interest shall be payable from $re date ofdeposit of excess amount to the end of the month preceding the month in which the deposit ofhcerequests the depositor to withdraw the excess amounu the amount of excess interest, if any, alreadypaid to the {iepositor, shall be deducted.(8) In case of an account, conttnrred after mahrrity under sub-rule (3) of rule 4, the deposit in suchaccount shall earn interest at the rate applicable to the new accounts opened or to be opened under theprovisions of these rules on the date of maturity.(9)In case of an account which is not extended on rnatuity and closed at any time as per provisions ofsub-rule (2) of rule 8, post maturity interest at the rate, as applicable to the deposiB under the PostOffiie Savings Account from time to time, shall be payable on such matured deposits, upto the end ofthe month preceding the month of closure of the account.

8. Closurc of account:- (1) llre cieposit made at the time of opening of account shall be paid by theCeposit office at which the account stands to Ee depositor on or after expiry of five yearc from thedate of the opening of the account on production of dre pass book accompanied by a written application(withdrawal form) in FORM-E.(2) In case the dep<lsitor Coes not close Ure account on maturity as specified under sub-rule (1),and also does not extend the account under sub-rule (3) of rule 4, the account shall be treated asmatured and the depositor will be entitled tc clos€ the account at any time subject to the condition thatpost maturity interest as prescribed under sub-.ru|e (9) of rule 7, shall only be admissible for theperiod beyond maturity.(3) In case of death of a depositor before maturity, the account shall be closed and depositrefunded on an application in FORM-F, along with interest till the end of the month preceding themonth in which refund is made, to the nominee or legal heirs in case the nominee has also expired ornomination, as provided in rule 6, was not made, as the case may be:

Provided that in case of a joint account, or wher€. the spouse is the sole nominee, the spouse maycontinue Bre account on the same terms and conditions as specified under these rules:

Provided further that in case the spouse does not continue the joint account, the account shall beclosed on an application in FORM-F and the deposit refunded along with interest as above.

(4) Where there is no nomination in fiorce dt the bme of death of the depositor, the amount standing tothe credit of the deceased depositor shall be paid by the deposit office to the legal heirs of the deceased

depositor on receipt of an application in FORl,l-F along with a certificate of death of the depositor and

a succession certificate or Letter of Administration wiilr attested copy of probated will of the deceased

depositor issued under the provisions of the Indian Succession Act, 1925 (39 of 1925).

Provided that the total amount including interest, payitiie upto rupees one lakh may be paid tothe legal heirs on production of (l) a letter of indemnity, (ii) an affdavit, (iii) a letter of disdaimeron affidavit, and (iv) a certificate of death of the depositor on stamped paper, in the forms as inAnnexures to Fornr-F.

(5) No deduction, as specified under rule 9, shall be made in case of premature closure of an account atany time due to death of a depositor.

9. Prcmaturc ctosure of ac@unt:- (1) Notwifistanding anything contained in sub-rule (2) of rule 4, on

an application in FORM-E, in this regard, the depositor may be permitted to withdraw the deposit and

close the account at any time after the expiry ot one year from the date of opening of the account

subject to the following conditions, namely:-

6

(a) In case the account is closed arter the expiry of one year but before the expiry of two years from lhedate of opening of the account, arn amcunt equal to one and a half per cent of the deposit shall bededucted and the balance paid to tre depositor.

(b) In case the account is closed oir or after the expiry of t',vc years from the date of opening of the,account, an amount equal to one per cent of $e deposit shall be deducted rnd the balance paid to thedepositor.

(2) The depositor availing the fa<ility of extension of account under sub-rule (3) of rule 4, may bepermifted to withdraw the deposit and close the account at any time after the expiry of one year from thedate of extension of the account without any deduction.

10. Pass Book:- (1) On opening of an account, the depositor shall be given a pass book immediately,alongwith the depositor's copy of the pay-in-slip (Form-D) duly stamped and signed by the depositoffice in token of having received the amount of deposit. The pass book shall bear the date of opening ofaccoun! the number of the accour,t, the depositor's name, photograph(also rrame and photograph of thespouse in case of joint account) and address, the amount deposited, the quarterly interest payablealongwith due dates of payment, the date on which the deposit will be due for final payment. thename(s) of the nominee(s) and :gent's name. agency ;ode number, date and validity, in case theaccount has been introduced through an agent:

Provided that if the Ceposit is rnade by means of a cheque or a demand draft, the pass book shall begiven to the depositor only oo :he date of deposit after encashment of the: cheque or demand draft asprovided under sub-rule (2) of rule 5.

(2) The depositor availing of the ircility of credit of interest in savings account under sub-rule (4) of rule7, shall present the pass book tc t e deposit ofhce at ieast once in a year for completion of enbies.(3) The depositor not availing of the faciliby of credi[ of interest in savings ,3ccount under sub-rule 4 ofrule 7, shall present the pass bock to the deoosit office at rle time of collectirrg interest every quarter.(4) In case of original pass bcok being lost, or rnutilated cr damaged, a (luplicate pass book may beissued on payment of a fee of ri..,pees ten in case of issue of first duplicate pass book and rupees twentyin case of any subsequent issue, on a sirnple application on plain paper. Ihe issue of duplicate pass

book(s) shall be noted by the oeposit office in its off,ce records including the ledger folio bearingparticulars of the account.(5) In case the lost pass book is found after issur: of a duplicate pass book, it shall not be treated asvaiid for any purpose and shall !:e sunendered im;'nediately to the deposit cfFce who shall destroy thesame immediately in presence of tre depositor.

11. Transtrer of account from one d€porit office to another:- A depositor may apply on FORII-G,enclosing the pass book thei€to, -f'lr transfer of his account ftom one deposit office to another in

case of change of residence:

Provided that where the depo:it is rupees one lakh or above, a transfer fee of rupees five per lakh ofdeposit shall be payable.

t2. Account opened in contrar'endon of rulesr* Whenever it comes tc notice that an account has

been opened in contraventiorr oi these rules, the aceount shall be closed immediately and the depositin the account, after deductir-rr: of the interest, if any, paid on such depc,sit, shall be refunded to thedepositor.

13. Deposits by Non-Resirlent Indian$(l{Rls} and t'lindu Undivided Families (HUF):-

(1) The Non F.esident India;rs are not eligible tc open an account under tlese rules:

Provided that if a ciepcsitor wlro subsequenHy becornes a Non-Resident Indian during the currency ofthe account under these rules, ilre account may continue till its maturih,on a non-repaEiation basisand the account shall tre markr:d as a NorResident ecccrnt:

=l

Provided fur'ther that the account continued under the above proviso, shall not be extended for an). further period as provided r.rnCer sub-rule (3) of ruie 4.(2) Hindu Undivided Family is also not eligible to open ail account under these rules.

14- Power to rElax:- Where the Central Government is satjsfied that the operation of any of theprovisions of these rules, causes undue hardship to the depositor, it may, by order, for reasons to b€

recorded in writing, relax the requiremenB oF that provlsion in a manner not inconsistent with theprovisions of the Act.

IF.No.2-812004-NS-II]

DS""

Secretary to Government of I

TO

(f

FOR,H-A(See claiise (d) of rule 2 and sub rule (1) of rule 3)

Serial No..........

APPUCATION FOR OPENI?{G OF A# ACCOIJNT USIDER sET{IOR, CITEETTS SAVINGS SCHEIIIE, 2fiI4

The Postmaster/InchargeParte here a copy of

recent

photograph.

(name oF the Deposit office)

(lcint Photogrdph of both theDeposito. & Spouse in case of a

' joint account)

*Name of Agent (in case of the accorrrl inticdur€d through agent)

en Code No.,- ... Dated .valid upto

PAH No, (of applicant).....Sir,

aged............years, hereby apply for openirg of an account under the Senior Citizens gvings Scheme, 2004, (hereinafterreferred to as the said scheme), in rny nDrne / joinuy in my name and my spouse."

ri; .:. . iR;p"", . l::i:i:'::::::T,'fl.}5)T'fi:l-itli::'f:['ffflparticulars of which are filled in the encloiied 'pay-in-dip'(Form-D). towards deposit in tte account.

2. I/wer hereby dedare that,-

(i) I/we* have dearv understood tlre Senior Citizens Savings Scheme Rules, 2004 governing the accounLs underthe said scheme, as amended from tinie to Hr0qhereinafter referred to as the said rules);(iD l/we* shall abide by the said rr:ier; in letter and spiriu(iii) the details of other accouRts o6rened eerlier by me/usf under the said scheme, are as under:-

Name of depositor(s) & Type of Name and Addresss Account No. withaccount ndividu Joint of the it office date of ni

(iv) I/'we* shall adhere to the ceilirg ofi depasits, taking the deposits iri all the accounts opened by me/us*together, as specified in rule 4 and amen,led from time to tirne. In Gse, at any time, ary excess deposit is found, suchexcess deposit will be reFunded to me/rs* after rerovery of' excess interest under sub-rule (8) of rule 7.

3. I nominate the following perscri,/ persofis, rnentioned below, to whom, tc the exclusion of all other persons,in the event of my death the amount sErnding to my credit in the account woulC be i)ayabh in accordance with theprovisions contained in rule 6:

sl.NO

1

)3

Amount of Deposit

_?

Name(s)of the nominee(s)alongwith relationship withthe depositor

Permanent AddressShare of thenomineqs) in theamount payable.

3(a) As the nominee(s) at S€rial No.(s)......................,..........above is/are mino(s), I appoint

address(es) of the person(s) in respect of each rfiinor nominee] to receive the sum dr.rc under the said account in theevent of my death during the minority of the nominee(s).

Signature/Thumb impresslon of the depositorWitn€sses(So4aurre.name and aCdrg9)i1,.........................

2. Date .At (Place)..

My/our* specimen signatures (tiumb imprFssion), are as below:-(i) First depositor:-

(ii) *Joint depositor:-

#Witness #Witness #Witness

(Counte6igned Postmaster/Incharge) (Ccuntecirned Postrrraster/Incharge) (Countersigned Postrnaster/Incharge)

2I 3

321

sriNo.

Date(s) of birth ofnorninee(s) ln caseof a minor/ age lnother ca s

Date ,.& office Seal Date & office Seal Date... .....& office Seal

4. I also declare tiat the information provided by me ,/ us* in the application hereinabove, is true to the best ofmylour knowledge and belief and in crse, at any time, any of the information and/or declaration is found false, nointerest on the deposits shall be payable to me/'us*, the deposit office shall close the actount(s) and refund the depositsafter recovery of the interest, if any, already paid cn the deposits.

Yourc faithtully,

(signature of the applicant)

( Pr€sent Postal Address)

Enclosures:1

2

3

4

Age proof.Copy of receipted application form for allotrnent of PAN, if PAN is not allotted.Pay-in-51;p 1po*-D), duly filled in alongwith amount of deposit.Ceftificate from the enlployer as .tp€cified in sub-clause (ii) of ciause (d) of rule 2.

r: Score out whichever is not applicable.

-to-r*: (1)The applicant(s) who are not assessed to incorne tax, may fumish a self declaration, that their income kom all

sources (irKluding the interest income from the accaunt to be opened vide tfis application) does ftot cross tleexemption limit and the applir:ant is not required to obtain PAN under Income Tax Act, 1961, as amended fromtime to time.

(2) All other applicants shall menlion the PAN No. compulsorily and in cas€ Uley have not so fiar been allotted PANby the Income Tax Authorities, attested photocopv of the receipted application form for allotsnent of PAN shouHbe attached to the application form.

#: in case of thumb impression.OTE: (1) Self attested copies of any of the following documents can be endos({ as age pmof:- Bir$ Certificate

issued by th€ Municipal authority Gram PanchayavDistrict Office of the RegrsE-ar of Births and Deaths; VoterIdenuty Card issued by the Election Comrnission of India; PAN Card; Passirort; Ration Card; Date of birthcertificate from the school lasl: attended ry'the applicant or any other recclnis€d educational instituuon orDriving Licence issued by the local licensing authority.

(2) On:ginals of the documents ;rttached, should also be produced simultane{)usly for verification and returnimmediately.

FoRJUE t SE OF OEPIOSrT OFFICE

-...(Rupees

Agenfs name, agency code number, date and validity have been entered in the lelger folio as well as Pass book(incase of account introduced through agent).

Pass Book No... .....has been issued.

Date., Signature of the Incharge of Deposit Office(alongwith narne and designation stamp)

- ll -

FORM-B(See sub-rule (3) of rule 4)

Serial No....APPLICATIOiI FOR EXTENSION OF AN ACCOUilT UNDER

sENroR crTlizEils sAwNGs scHEME, 2OO4TO

Subject:from

Application

The Postmaster/Incharge,(name of the Deposit omce)

an account for three yea6, with effect

Sir,

1. I, ..........................depositor of account No.

, son/daughter/wife.......,, (hereinafter referred to as the 'said accounf) hereby apply

,afor

continuation of the account under the Senior Citizens Savings Scheme, 2fiH (hereinafter refened to as'the saidscheme), for a further period of three years from the date of maturity of my above-said account.

2. I have understood the terms and conditions applicable to the account during the period of extension urder theSenior Citizens Savings Scheme Rules, 2004 as amended from time to time.

3, I shall close the account immediately on completion of the extended perlod and get back the deposit standingat my oedit in the account after adjustment of the interest paid in excess, if any, and any other charges recoverablein connection with the said account.

Date Signature of the Depositor

Place ( name and address)

for extension of.. ...(date/month/year).

foB THE USE Or pEPOSIT OFFTCE

.. which was opened on...........The account No.........., .with Rs...(Rupees............... .....,.) under the Senior Citizens Savings Scheme, 2004 andmatured on....... , has been extended for a period of three years with efrectfrom............................. to.... Rate of interest at..,.....-.............. per cent per annum asapplicable under the scheme to fresh deposits opened or to be opened on the date of maturity, shall be

applicable during the extended period cf the deposit.

Necessary entries have been made in the Pass Book No.accordingly.

and relevant LedgEr folio

Signature of the Incharge of Deposit Office(along wlth name and designation stamp)

No

Date

-r?-FORM-C

(See rule 6)Serial No

APPUCATION FOR NOI,IINATICN/CHATdGE/CANCELI-ATION OF NOIIINATIOI{ UNDER SENIOR CrrlIEflSSAYII{GS SCHElrlE, 2OO4

TOThe Postmaster/Incha,rge,

(name of the Deposit office)

Subject:Sir,

Application for Nornination or Change/Cancellation of Nominal.ion.

1.* Ir.......,.,,........ ....,.,.,.....hereby irominate the fr. lovring person / persons, mentionedbelow, to whom, to the exclusion of all other perjons, in the event of my death the amount standing to my credit in theaccount No...........................wou1d hl payable in accordance with the provisions contained in rule 6 of Senior CitizensSavings Scheme Rules, 2004.

Name(s)of the nominee(s)alongwith relationship withthe depclto(s)

Permanent AddressDate(s) o' birth ofnomine€(s ) in caseof a minor/ age inother caseis

Share ofnorninee(s) inanrount payable.

thethe

2.* As the nominee(s) et Serial Nc.(s)............................,..,.above is/are minor(s), I appoint

address(es) of the person(s) in.respect cf each rninor nominee] to receive the sunr due under the said account in theevent of my death during the minority of the ncminee(s).

3.r This is in supercession of thc norninatlorr(s), made by me earlier at the time of opening of accoun(vide myapplication dated........

4.t L.............._..application dated

, hereby request to cancel the nominal.icn made by me earlier vide my

Date.......,..,......,...............At (Place).,. .... ......,*licore out whichever is not applicable.

Signature of the depositor(Name and address)

st.NO

The abovenomination dated.................

Necessary entriesNo.....................

FOR THE USE OF DEPOSTT OFFICE

nominetien has been registered onhas been cnanged/cancelled.in the Pass Book (No.....

............ AND/OR the earlier

) and relevant Ledger folio

Signatrrre of the Incharge of Deposit Office(alorgr\rith name and designation stamp)

have been marlc...... according!'rr.

Date

-t1-FORTT{.D

(See sub-rule (1) of rule 3 and rule 10)

PAY-I - StlP FOR DEPiOSITSUIIDER. SEI{ION, CITIZE]IS SAVIT{GS SCHEII

/ P. r. o.)

2(xNCounterfoil (2)

OfttcetName of Deposit Offr€Narne of depositor....... ,

Address:

Fathe/s / Husbard's ltame:

tName of Agent (in case of account introdu€ed throughagent) with agerEy code No., date and valuity....

Account No

Serial No

.. Date

s

to be filled in officeLedg€r Folio .(to be filled by deposit office)

Anx[nt of Rs. #

Total Amount in words (Rupees

ATI.IOU'{T

AMOUNT RUPEES

De

I P. r. O.,

C.ounterfdl ( I )

DeDcttor's cory __

*Name of &ent (in case of acEount introduced throughagent) with agency code No., date and va|idity..................

Fathe/s/Husband's nam€;

Name of Depo6it Office

Account Noto be filled in

Date.it omcr

Nam€ of depositorAddress:

.(to be Rlled by deposit omce)

Rs #

Ledger Folio

Amount ofCheque/Demand Drdftreallstioncharges (Rs.)##

Cheque/Detnand DraftRs. #

Rs *realisauon

Transfer F€e Account Tramfer Fee (Rs.)##Fee for issue of Duplicate Pass B@k(Rs.)##

Fee for issue of Duplicate Pass BookRs. #*

Rs. ##ifaOther cha Other charqes, if anv. (Rs.)##TOTALAMOUNT (R5.)

AMOUI{T D€tai|s of CASH DEPOSIT:1000 x

(Rs.)

Details of CASH DEPOSIT:

Total Amount in words (Rupees

TOTAL AMOUNT

1000 x500 x100 x50x

xxx

500

50100

20xf0x05x

x

x

xxx

20

01

10

0205

0l02 x

xCOINSTOTAL (CASH):

Cheque /DefiEnd Draft No. ard date:

Bank / Branch on which drawn

Cheque /Demand Drdft tao. and date:

Bank / Branch on which drawn:

Rt,PEESAMOUNT

TOTAL CASH

COINS

- ltl

Antinued fianl!@ge

TO BE COM ETED BY DI1POSIT OFFICE TO BE COMPLETED BY DE

Head of @vemment Accoun(to le entered by Deposrt Head of Govemment ,Eccount(to be entered by DedositOffice)# / ##......... Office)* I l*

Received Rs, (Rup.cs. necelved Rs))

as dctriled hereinabove. For depotit in AccurntNo.....,........,.....,.*Agent's C.ornmission at the rate of.........per cent of Cepositamounting to Rs........... (Rupe6.. .... .. ........... ............)S*#has been paid at source (under receit)t).

Cashie/s scroll No.Signature of Cashier

(\ ,ilh name and office s€al)

Sup€rvisorAndrdgeS! lgpoq! ofl EC 49!9wiut omce seal

NqIE: 1. The cheque/demand dran should be in favour ofthe Depo6it Omce, oI in favour oi the depositor dulyendorsej in favour of the deposit cffice.2. Cheques / Demand Drafts are subject to realisatbn ofthe prcceeds.

* S@r€ out lf not appllcable

#i rn ,Wt of oepdts:-Najot Head:aoo7-Nationalhvinqs DepsiE.

*#: ln ,?spe'd of various chargcs:-lrajor l.N:EOOS-InconE and Expendihre of [email protected]:In r6pcd of agency commb.sion to agcnB'.,bir Had: &ll&Income and bfEndihre ofNsSE03.lU

as detail€d hereinahove. For deposit ln AccountNo.tAgentt Commission at lhe rate of.........per cent of depositamounting to Rs............',Rupees ............-.... ....... ...... )*#*h3s been paid at source :under receipt).

Cashier's scroll NoSignature of Cashier

(with name and omce seal)

Supervisor/lndargeof Deposit office alongwith ofrice seal

NOTE: 1. The cheque/(lemand draft should be in favour dthe Deposit Office, or in favour of the depositor dulyendorsed in favour of the deposit office.2. Cheques / Demand Orafts are subject to reallsatiJn ofthe proceeds.

I Score out if not applicablc

*: ,n Bwt ot Deposi6:- aior ll@d:&n7-ltlat*rnalgvitw Depsits.

##: ln ,Epet of various drarges:-Naifi Hd:ElNrS-Income and E.(Fnditure of il55F.00.1H.OtherIn@mes,Hd|:In rcsped of dgency commission to ag.nB:Uaror Head: SUtE-In,:ome and Exrynditure dNSSF.qJ. t04

Continud ftom orcoaoe....... -.-,...-..

-t{--.

TO

FORM - E(See sub rule (l) of rule 8 and rule 9)

Serial No...............APPUCATIOI{ FOn CLOSITRE OF An AOCOUNT UIDER SE IOR CITIZEI|S SAVU{GS SCltEitE, 2oO4

Thc Postmaster/Incharge,.(name of the Deposit office)

Subject: Application for withdrawaf'cbsure of account

Sir,1. I, ,son/daughter/wife of......... .........resident ofand depositor of ac@unt No, ............................-..... (hereinafter referrcd to as the'sakJ account') hereby applyfior ciosure of the said account with immediate effect. The interest of Rs............................... and deposit ofRS .........TOTA1(INTEREST+DEPOSIT) Rs................................(Rupees.... ), *after adjusBnent of overpau interestand/or deduction equal to ............p€r cent of the deposit, arnountlng to Rs(Rupees . ..... ...) and any other charges, recovenblefrom me in respe{t of the account in questlon, may klndly be refunded to me lmmediately.

2. The Pass Book i6 enclosed.Signature or thumb lmprBsion of the Depositor

FOR USE IY THE DEPOSIT OTEICE

ACCOUNT No........................,.....DATE OF DEPOSn'............,.,....,...Rs.....................................Withdrawal on account of lnterest Rs................. and deposit Rs......

to Rs.................... (Rup<rs........

is sanctioned in favour of the deposltor.rRecovery of overpaid interest Rs........... deduction of Rs'..

Other Charges (to be specined) Rs...................,............. totalling

AMOUNT OF DEPOSIT:

...totalling)

....... and

(Rupees... ...) has been adjusted.

Received a sum of Rs

from

r: Score out whichever is not aPplicabl€.

BECEIEI

........... (Rupees.............(Name of Deposit ofRce) as per details furnished above.

Signature / Thumb lmpression of the depositor

-16 -

TO

FORM _ F

(See sutr-rul€s (3) and (4) of rule 8)Serial No...................

APPUCATION FOR CLOSURE OF ACCOUNT UI{DER SENIOR, CTTIZENS SA|/INGS SCHETIIE, 2OO/T

By spousE(Jor['rr HoLoER) / iloHrNEE(s)/LEGAL HErRS

The Postmaster/Incharge,(nanre of the Depsit office)

Subiect: Application for withdrawal /closuie of account.

Sir,I/WE* .....,...............|ate.,..........,..............No.in the sau account.

Please find enclosed:-(i) A certificate in regard to the death of the Depositor.(ii)aA Certificate in regard to the drlath of Shri/ Shrimtsti ...........-..........andShri/Shrimati... ..... also the nominee(s) appointed by the Depositor.(iii)** Succession Certificate/Letter rf Administration with attested copy of probated wlll of the deceaseddepositor lssued under the provlsicns of the lndian Succession Act, 1925.(iv) Pass Book of the Depositor.(v)# Letter of lndemnity.(vi)# Aff'davit.(vil)# Letter of disclaimer on affidavit

Signature or thuml) impression of claimant(s)

Date.

Place

.. the spouse (Joint holder) / nomlnee(s) /legal heirs of, the depositor to the Senior Citizens Savings Scherfle, 2004 account

v\dsh to lvithdraw the entire a,nount starding to the credit of the deceased

Wlthdrawal of Rs.,is sanctioned.

IOR USE EY T}IEDEPOSTT OFEICE

.. . ... ... (Rupees.. . ...........................

Rs

Rs.

)

I't

Received a sum of Rs,..

from ..... ....... .. ..... .

settlenrent of our clarm.

-.t-{

RECEIPT TO BE srGflED BY THE CTAIMAIT(S)

(Rupees.. . . .)(Name of Deposit office) as per details furnished above, in full

Signature / Thumb impression of the claimant(s)*: Delete whichever is not applicable..*: Strike off if there is a valid nomination.#: To be pmduced by legal heirs, [n the absence of nomination(s) for claims upto tls. 1 lakh.

TO

The Postmaster / Incharge,

- tB

ANNEXURE-I TO FORH . F(Letter of indernnity)

(Nanre of the depcsit office)

In consideration ol your payment or agreerng to pay me Ius

lName(s) of Legal heir(s)l the su.n rif 8s..... . .... (Rupees........ ...) stanr.irng in the acccunt No.. ... .. .. .... ......... .under SENIOR

CITIZENS SAVINGS SCHEME, 2{tO4 witlr your office in the name of. .......\r,,itholt produdioh of lettefs of administration or a succession certrficate to the

estdte of the deceased. ...... .(narne of the depositor),I/We........ andwe....... ..... ....... (sureties) do hereby for ourselves and ourheirs, legal representatives, ereculo -s and admir'istrators lDintly and severally undertake ancj agree to indemniryyou and your successors aad assigrrs against all claims, demands, proceedings, icsses, damages, charges andexpenses lvhich may be raised aqarnst or incrirred by you by reeson or in consequence cf having agreed topay/or paying me/us the sum as .i''oresaid

In wrtness whereof we ha\,6r hereunto set rny/our hands at thisthe presence of witnessrls,

d:y of

Signed and delivered by the above narnedheir/heirs of the deceased.

Sighed and delivered by theabove named sureties (S'gnature, ,-1. mes afici address)

I

2

Signature, names and address of vrrit,resse!:

I

2

ATTESTED

NOTARY PUBLIC

tn

_ \.1 _

ATINEXT,BE:II TO FORIII . F(Affidavit)

TO

I/Weagd.....,........resident of......

(1)

(2)

The Postmaster / Incharge,.............,..(Name of the eleposit office)

.... .. .Hustxnd of / wife of late....

. sons/daughters of the said late...... ....... ...do hereby declare and solemnly affirm as under :-

.who died at......That I / we am/are the only hei(s) of the decease-d..............on......................... I / \tYe alone replesent the estate cf Shri/Srnt..,.... .

That the deceasedthe estate of the said deceased,

,.did not leave any wlil and therefore [ / we are the only successor(s) t

I

DEPONENTS

VERIFICATION: I / We, the above-named deponents do hereby verify on solemn amrmation in..............,.......(name of place) that the contents of this affkjavit are true to the best of my/our knourledge ard nothing material has beenconcealed.

Dated

DEPONENTS

ATTESTED

OATH COMMISSIONER

2

3

1

'2

3

l

-3t)-

AU IiEXUBEIILIQ-,.FORM - F(Letter of disclaimer on Affidavitj

TO

The Postmaster ,/ lncharlte,fName of the deposit or{ice)

I/we(i)Resident of..........(ii). ,...,(iii) .............. .......

do hereby declare and solemnly affirn ss foilows ;-

(1) That Shri/Snrtleaving behind us.........

ilusband of / wiFe of

. son/daughter of.son/daughter of

..died intestate on.......... his/her only heiB.

(2) That we........-..... .....heirs of our late father/mother I

ou;selves and on behalf cf our heirs, exerutorc, representatives aM assigns to here,by relinquish our claims to the balanof Rs .......which rnay be eredited to the ar-count sought by our mother/father to i

opened in the deposit office in the name of the estate of the s.tid................deceased father/mother after the rr3alisaticn of D!.aft No-.... ...on ............issued by (name of the deposithave no obJection whaLsoever in the balance in the abovc-referred account No.... ...... .......,....lnterest, if any, accrued tf,ereon being paid ty the Deposit office to ourMrs./Mr.......

;ff.;i #;.....together wi

mother/fath

l.

2.

3.

DEPOT{ET{T;

VERIFICATIOfl: I / We, the ah:rve.named deponeflLs do hereby verify on solemn affirmation that the contents of thiafiidavit are true to the best cf my,/our knowledge arrd nothlng lnaterial has been concealed.

Dated.............. .......1.

2.

3.DEPONENTS

I identiry the deponent(s) who isy'are lrrsonally known to meand who has/have signed in my presence.

Dated...........................Oath Commisrioner

-.et -'EgRl,l:li

(See iule 11)

Serial No............ .....

APPLTCATION FOR TRANSFER OF ACCOTJNT UNDER SENTOR CrTIjZENS SAVTNGS SCHEME, 2OO4

TO

The Postmaster',lttnt'nt...

...... :lnu." or rn" Deposit office)

Subject: Applicdtion fcr Transfe:'cf account:o another Depcsit office.

Sir,

1. I, . ....

Resideot ofdepositor o[ account No. .

deposit, of Rs.. ..... . . ....(RupeesSavings Scheme, 2004 to. ..........

2. The Pass Book is enclosed.

sori/daughter/wife of.... .. -..

.hereby apply lor TRANSFER OF MY ACCOUNT No..........,...-...............witl"

,, ..,.',., .. ,,,,,..,.....,.''...' ',.-'. . '...'. '....'. ].,"::: ::" *:]":

:11:. ...(Name and fuil address of the transferee deposit office)

Signature or thumb impression of the Deposir

.........(signature, name and address). ............Ply specimen signature/thunlb imprelsions, as available in tie record of trarlsferer deposit omce, are as below:-(i) Ist Depqiitor:-

*Witness.... ............

(r) loint Deposrtor:-

*Witness.. *Witness

Countersigned Postmaster/Lrcharge (a-ounte.signed Postmasteri Incharge (Countersignd Postmaster/InchargecF TransFerer office) of Transferer omce) of Transferer office)

Date..... ...... ..................& office Seal Date... . . ....& office Seal Date................. ... ........& office Seal

Forwarded to:...... .

rn the office record(s)(Transferee Deposit office) and necessary entries past

Signature & otfice seal (Transferer Deposit offiDate.....................

321

2L 3

under&. ..

fQL U. SE-E]LITI.EIRAflSfEREE DEPOSIT OFFICE

Received application for transfer of account No. ..... . .

SENIOR CHZENS SAVINGS SCHEME, 2004, in the name of :'"'*::.......Uoint holder, af any) standing on the books of the...............................

..........(name and address of the transferer deposit office) showing(Rupees. . . .), due to mature ondeposit of R5

-2?-B. t he entries in the pass book hav 3 i-ntn cirecketJ, necessaty entries indicating tr.rnsfer, have been made and pass hhas been returned to the deposit\)r,

Pass Book received in Onqrrl,:l Signature of Postmaster / In-chal(with office seal)Transferee Deposit Om

#(Signature/thumb irnpression o{ thr: depx15;1s1 1

Date. .. .......Date.. ..........

t: In case of thumb impressicn.

#: to be signed on rece pt of the pa:;s book nt the transferee deposit cFfice.

- 23-

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(at 'w.v' i cn ftqdt t ir"r.c 6ri nEnq nitio t

3. urar rct€nl :- (r) o{ "rqiorrl f6-tfi lryt orqterq ;t eng d uga vFon*.r-q t qqr qfi $ 3rfriw qra ;4t a.6q qft6 xtn-q-o t orrifi {,{d ot{ srotdra rrq)rn I

(z) qir$ s.ns,di .5 .q-qti q) s{si'{ fo t r{fD6 sror r+rfta 6r {r$qT,

{{J Rrf -d ertftr roi eS ft rr.fi rtrai t ya i}-.no-t "rqr ltrrq a d qtft+

ocrrfiftf{E gft}o<rq {lqr tr 3rfY+,' r€t t n :

rrl fi;rff a*Jsr qm d 4rrr s€ qfi orr.foq t ro r\ edlo sror =rdT

eiot qX''T t

(a) v+rooi zdf,p sq ii qr of'o 3{qtrr r.fl d rmr rrr:rt sc * srordd $d-,n/qd{ft I

4. urqr 6fir sd-r tnqn rr+ : (r) rcrd q v.F 6qr{ lscg d froi d qqE arow\ t attfum ot dr.r Yo qqi e)'.r t

(z) ffi ftqq ,l t s.r.iitro t, d ffiilq ot{ erm EH qrt ol drQ-s t cisq{ 61 3rqD d ermrc r\ Xd a+ fuTct -S srft{ ?Fri qr.rsfi 3rJHkr q€l o1 qKnfr t

(s) qqrnot sqftqq (z) i faPtre a) lrgun cie Ed ol 1ftq6m 3r4ls dc& n wF q{ qi eizf€{ d rfl-m -,rqr orqiaq { rsq rc ti ot$ ,ur+<< fi-d qtt6\ fi-{ Ed o1 srt* 3rdD d fdr fu{.ff,Ro o{ wdrn l

iq*otgl : Sn .rqf+{,{ d ffiffc sr.} or fdr<r<q 3llifi o1 or{-o o\ qI{ iiarq fa-{r qftq.Ed1 .ft'arfto t Ffi-fl rfqr {ficn iilgfi I

(+) idril orqfoz d* 'dt srrd] c{r{or.tl d 116 s{rflT t fu 6)! qqr sqfta.r (1)

d s{fi.1 frG-d sd-fqcrq {fltTr r,{ 3fqo t qril-odi fr frkd i ila erEo qqr o)qrqtt Ai ol egtu q;< rrdrn I

2

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5. "rtr a1 ftft : (i) rT fflrli d srfr{ ,iqr fi'q.ltft{-d w t ft-qr wgfrtri

/,6) qoE i, qfr trqt o1 q+q V.E E-,{4 .inrq t .6q t t

,a

(s)o.rd t

qqronf d l{eT t i.r to ri ,ri.j.rl Em eis.'lqt orqiaq -d cer t Tqifu-d

(z) qat ;.,rqr to qr qr+r* gm fu-+r ',rqr t, fi fut d qfi-r qqr o1 difi-qto- qr qi.Na d ryn -'rri +i ofre ?l-ft I

(3) qfl qfl tntff sr6c re;in o' to qr qirua 6m four qror t e-6i EFd qq

qq rrre"q r{R i-tql d llTq Gtq t)t eftr fu qt r{irrcz ,f{TC qri of arftq q,n

+i eitrc E\.fr I

: (l) vn-crtt E'l fui d 3{8ft{ urar erH -nrq qqroot o1

Iq ol -<fl d tt frr*11 arfft in aifr?ii -+l nqfl4lln otTr, d Ert d yilrs

ti<rq d 5o-+t dr,nr dit t

(z) qft tfrr -+qFi{:rq cnnl rdlmi {, u,ra +S loqr qrdr t, dt gt q.*utEr{r qrdr drd rrfi d qq-ar,i far{fi 'fr tr.ilr fi}rE te-d ft Si t Td rw -r tlbd errlsr ERr irqr or{ria-q f wrrgo ufro ioqr Grt lrdqr t

(g) qrt-s-di As ft,u ,mr .rrqlt{qn iJ$ "rrn qrrqtf,q t fu-st qrar i, stq .r

;t w ftt -{i nrqfr'eyn r,td rq filq1 q1 5i.f,rs qr qffi< fu-qr qr sd.n t

(+) sg-.r-r rsrd o1 spn ii .fi cnf+lqi 6{i o1 gfrw w-+ct dtfi aenR tftqrr.) t €gffi Er*D ,rsrq zqRr d.ri. "lt qq6561 d r5q qfi <rr d €tq roq fiqori ole:s-qn *n 3ilr,IFcft{frrfi tnl EF{r irqretrdi ottt sf.R tnro fit aft 1qd qr.rn sqlo -Srn

t

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(s) rigfi qri +1 Enr it ur im <tII d q-6i cft q qd qn ltqfttffi t,qft qr qcfr vqrsni at gq d waq wft+t 12; t sqf,c-{q(a) d erSrn w}ft,1 w qrafr-e{tr o\ reor} qr qffi( or} or rosx6}.n /6},fi I

3

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(o) c,+m flr}.lpn ei-q -.'r+-..r,r qako €619r qr qmc qfi olqltrq tti'rr.<{tga Fitqr qTr-m e]r t$ m,rxrr o1 nr$ta t f,af-drr=c +,fl 3rt* str61fifgilrtqi q-ririld; rl z.i -.r,,+ r,itgfi I

7. BqT rt qr,n : (1) {a ft-oq1 d 3idtq ft{ .r< ra-qlrs q'rq qiffi.r'E{;1r1 t6sl .r,1 er{-e it d rlitro .\41 I

(z) "riiq q6.fr qrr, qqrliRrfi ,rqr 7hl trrts t gfrd/ 30 qil 30 ft.rqq / or

f*qiqr o) rriq dr{t 3{k nic{4m. iqrq :r qr{, 30 {:I, 30 Rri{t stt sr Fflrq{o) il-tq dr,]T I

(s) qFq sq.f+{q (z) $ e{d}l ffifrv arria d €qro thl .F\i drfts (frqR ql

flxfi sroq;lqr f?q or t dt ari.n d ri<rq d cfr"r-{ d fiq .n fl{ R-qs fr tq'mfl-s wrS orTtfl t

(a) {R kTr clf*Fd fu-sr qr\. .t r+qfiurq (z) ti, uw ftffi= arfui o) +itqqrs ts{{ qrfl s,Trt, sq 4 ftreii rcrdr fre=n r t rr.iroaf d +-+< eit t {{l ad dqtftq rft gg w; ail qnnfr. li; {tr NFil qrr .hl ,r$ qrq o1 roq. q+o qri ttit qqr fuc .rr) qr ;rq o1 eitlqrirq .rft,n, qR.6f$ d, t srft-fi T& t t

(s) qR -,;r.no.al aqr yd-o fr{rfl oi iitq arrq or qrEr itl ft-qr qrdr t iiltt erq qt erfilft< qis elffir'i +S eY.n r

(o) anq s,) gm wt d fl.rq,zaq ,Jurti d Wffun fu-qr .{rt'n eil-< fs' ,rd-q-id frg ,pam gq q1 3ffirr of r-+;q q,i ,ro tqt d r,,q t trq-fl qrtfl et< q-qm

ttt t oq of roq qi '3ifir o1 qtfr t

(z) ftqq q d ';.fq-c,q (<) :i f|ftq erlto roq qt tfirq - srrq tt{ sFEq{ fld-rqriil T{ dr{ <s + 'Tlii ilq et}q trrr qrs r*r qrlr d 5ffi} urw d oid t 3llqo-\trqT {6ri of rirte ,t rr4a 6,Tr ffit ''aqr op..,torl 3ilt@ {f,rt qrqs ti d ft{fttec ohr, -qpooi d qr<i 6 tt.r s{t}6q qrrl o1 roq. qq or$ dr. odfr o1qrhfi |

(a) f,trq + d srlftrrw (s) zi arttc qRr.ra,n d qrqro sr+r rrrfr rti +1 '<en ttt eii i -qqr c{'rRq.rqil dr urtq+ olr g-r lffit d sldtii d er.tc EH .rq nqrsri qi sld cnt cni r{rf,i q-{ dTrl E{ qr qrq c{ffid dr.n t

(g) Fffq I d, uvt+rrt 121 rli uq.i'.i d eqnn lixfr wq rr< ot{ urarqfi,r+q tiri qs r€[ rdrff igr -urkr t si.{ thfi sqq .js d{ R;lt qria t, ol <nr

i d trra-gqq glqiEtl {ri.T sd e] i,rfiq {crdi 6) .{plr-dr-l iR q< qra qRqm

4

-:1 -

qr.{, qri d ti< ori d qxi q} 1d.rr{i 'rnr d oic tro t+ qRq+E qqr qs {itqetn t .] ,

8. srdl tiE o-fir :- (r) 'urc: d d-J .ni d srq frd rrt qqr o), qqr-6r+f,q

"rri qrrionl trr srm t s-.Eq - s w ftfuo srTf<q (qtq-6 roq) aiT iiarqqrs go rq-d ffi qrt w ilri d Elt eri q;l drfts t qrs 4{ of wqrfr w qr

s-sS qrqn rier f+rr u.fi.n 1

(z) svftor (r) S 3ftn-{ qen ftBfdq qRqqqat w, wroot d sror ds l-E${i 3+r ltqq 4 d scBqrT (3) S 3En-{ er-ft a} wt fi € rgi ol <m ii.urt qi qRq-€ g3il sqsr qryqr s)-r qqro-ol s.r q-{ + qfi{ rrt gc. fidftqq z d uqftqq (to) d oltftc tIeIrGfBd qyq qRr+{ qrq qRrm-or t qt a13rqB d-{d qrg-+ry, qro el fu€ ff qqq dsod or ro-<nd.n r

(s) qR{ffidr d Td qqn"i d fq d <vn d, sror tie 6r ftqr rnt-,n ei'-t ssqrq ftlv6) cft-flq Arqr c{rdr t, e-{fl - q t frrfr 3Trifi qr qqr {frr 6rrft-<r< ry61B,6 qT ftEo umrffi dt fd qR{ d oia ro qrq q{Bd fr-qriilrc,Tr, qfr qqtRrft, il{ft{ffi fi q-6i €dT t' qr I'rq{ o ii qen sqdfu(flqft{fi -{€l fu-qr.rq t:-

wg sg.€ urt o1 s$i d, q6i cft ut rrffi Grdf,r nrqBtffi t a-a qflt qr

qS rr frqdi d q${ qeffifrE€ s€ ftiq=it 3rk {rnt c( <gr qrft qo

s-d.n '

qq {6 3i-rfu qRcfr qr c-S sgff qrm qrft TS rci ol Ec[ {, {6tjrsr - ? d o{rk'{ fuc qri w rcrfrr ds o-t Ru qr},n ei-t sriwrSflR erqqBo -"rq or cftErq fu-q qrrrn t

(a) qEi qqffi-dt o1 lq d srm ot{ ,rfr wor t aei 16o v+roetd rm q'rt {6-q, qqr6-df orqi-dq Enr raqro-ai o1 1q d wru qa ei{ rl{frqsrrrftoT( srftF{qq, rszs (rszs or os) d sqddi d 3rft-{ q-ft aro vmo-at ole-fic o1 l$ flfl-{d o1 oigcqTfqd cfr d HpI qtrmq q-{ d srq tr6c - s d ffierrt+c o1 qrR q'{ Td-6 q{r+nl d Eft-o strsffi o.I fo-q qrhn t

rtg rw q d sqr4dt d rodt t (i) efir$ or ra (ii)vrw n-a (iii)wqqa qr qql iqm l-e (iv) seiq tw q{

"rn6-fli sff Tq o.r iIfluI qz w rqa lovqri q{ T6 drtr iirr 61 €iq gim {6q ftrrdi qrq fr qfrfr'd t, frfu"da

swrfffi o't riq-a frqr q1 qfrm I

5

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(5) wrml d rliq .ri q1101 i?,ri {rrl l?xfl wt d wRcziq rs t qs dia1 qrn i, Rqq g $ :r'-i-l cprrfii.f{q +ii ;va:-,1 'r0 d oryfl

g. srt an v+1.1i q< drqr :- (r) ft.m + d gcftqq (z) t r;Hffe fdtfr Erd

d dt gf rfr, ili qGs fi qqlLr,al oJ "+qr srRr qrfin flag "irc qt ofk sror rftqii +1 crfi-lg r\ qir as oX .11,nilt a,' rrr.flfl ffi rrrq ftqffifud ird d eifi-c

rri gV uist 0 cl rrdrfl 3,'E1,i.'-

(o) ffi era, erat u).) rr.,i +1 nr$cc r) go o,{ qfl rqrR d qr.na. osn et s{d rrqrR t 1{ .i< !+-qr rflil t ri .rqr +i r( rol d ta qfuro d csrc{ {o-q

oi o-etft al srrt,fr ctr tc ,nqrmrt o'r v-<s ztq Rzn qTt'll .

(ra) uft ur<r .ffi ori s,i .n{kE n s} .ii of t mlQ w tn sirii qs-nd rnrfl {Em-qr qror t a\ w,qr d {{ !-,oq oi w ciaera d q<rq< ol *m +1 ia-A aort4t e.tt vlq ;rqrs;, o\ sr.r -.rt flqr "trtqr t

(z) ltqq + d sufioa (:) .i sftfri tli d ftlnR ot gft*n or arrr di -ffdr

qrnznat i?-r<x of ot-o t r+ +{ afi :..r-.dd q,TrR $ c{.rrd ftES d} qrrq ffcrfu{ft 6etd} d ';rqr rB :ryqq fi ,ri sre al dE of o-{i d fA( sq5rd ftrsr qr

r+d-rn I

io. tnfl g6 :- (r) fu,rfr srit d <ci.r-r ,n, .rqr+-dl +) aonr c6 wr g6 Aqrqfi fu-rrd'{{iel ir rd el -.rq.rost cln (trsu - u) "rrran-at

rErqtf,q ERr lTrlr;r

w t 5<ift;a str er<rsrfrn -d.Ii ..i es -drd 6-r rrrm drf fl+ roq qqra-dt otcrd' d r{ t I qnr EF t r*nr riit-,ri d ort}ss, rsrdr €rs{, qqls-dt 6T tq. otr(rgm' tlri a1 sfl q qii d-r qcfr or --rq oft sYa) sil'{ qdT. idrri roq, *qrRr6qt"r d r-nq T,rilr dl't+ ndfq, .rE mflu furr+) wn oifu grron d fr\ tqdrn. fu{fl oifqqtfll iilri tcri cr'l ywif{e c,r=\ Ei scn ri, srf}-orrl sl crq, orftro-dl

ots dterio o.ro-s ii< l-rtftq'r.6,r E'i,1t i

crE oFt q.r 'l+ r.,r qt,.] lq Elrrr dRr floqr rrqr fi. fi .rrroci d vrrgot-o qlTirr to -q.nl d g*ri d s{drd. fiqq s d \rqfi-{q (z) d erfta au{fkaftftttfrqrtff t

(z) -.rqr+<l fltr-r 7 .$ .3i'ftrq (a) d 3rfrq qlr €ri d qrs o' .mr +1 gfawor onq d-.n t vi rjtfQrii o) q* a-t d fr,1 ES t oq-il-oq \6 Er< qErT

orqlaq o't vnr go tfr dr,1) r

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(+) Td qni So a) tdt orr, a ffi rn erltrw e\ od of <rn;i. ww go -ci

Q-eq clt tnt orryq w -{Tttrr{r1 srzltr qa ut rrdt gn ,rn{ g@ al Edtq e.fr qt{t'6-{i dl E?n t <<r ,pcii ol c6}cl 3rh qr.na-irff qr.rol d fr-tr !I{& S rSrron wqffi o1 w rrd,fi i qnr 5o o1 quA cfr' (qREi) +l srqr orqlsq Erir 3ilIirfl d3iFrldt { fu{rri lqt-,1 '.r=r ftilnt +1 sri .} i?Rrqg] t, n 'ire oq fuqr qtutr

t

(s) cm $cE dl fd.iq rt< 'l{t et qd o} war-q rc}{ g{ vi-t+ go fta uri +1

san t, {6 Fofi cfr.i-{ q} l=c{q fdftrnq cfi qr-fr qrt-,fr eti -'n} qqr mrqiflq ol6i6rd 3fl{rfq 6r..n drrn ii,fl\ "rqi6dl d ;sqffuR t ff@Tfl nq o-r fr qrtrff t

11. lrri 6i \-o q.ir q;rqloq il erq ti ii'taqq :- oY{ uqr+ni c-sc - u d Hrpr

rrur go riar o€ gl, :rrci ort qi srqi FtqT{r wrn d qffic ol <rn t 6ttqqr orqlerq oi sidR-d fla) ;r-i '.n1 3{r}sq q;q sfir r

q{g qEi qqr \o' iqrrE $,r} zn qiiro f, irn a} oimq q,,l htfl ciq sc}ffi ars {tq *ff t

t?. I'Tqrit S sais-r t '.srrt ,n rE\ar qm :- 'air8 q6 qrq-orfr ;t qrdr tfu ot{ em g< ffit S sc.tqc ,J drorrcr t, <rri dt tro'ra tie zE{ Rqrqrtn 3itr <rv a1 cg.fi + ,;r-ard,, qft o'ft -d. .i tt qqr o) il<rq 61 .r{ tqlt t qqr, ,rqroat oi qTw{ qrr { qrhfi t

rs. 3rlffii qndtq (\'c.3TR.sr{) oflr ftq 3dArfi-g;gl< (Ys,{.C.F) Ertr qrrl :-

(r) gc ftq,it .i eni-.r 3{frqnft ,rnrdtq qH qr*r-e\ai d lac qrr r€t *.n t

wg qR fi f-r,r,it srdl'r, ot{ qqroit 6ffi d tflt + qhn 3rffdrfrqrrfi=q d t+ror t dt Bgfr-i rsrf,T d i{rqR w cftq-dffiilI iro qrft reue'n ert*sri 6\ 3rffiI srt d oq t tlFo or ftq qt-.n t

c-{E .16 3rt-r ft, scf,nt ,rq-6 d stttr{ srot .,[t rE sdrn F+qq + dscftqq (s) d oifi-r q'g!-dftrn ftft t lffi 3i-t omft d tuc fffi Tfi tuqrqr}.n I

(z)

*rnfi ftqfi d s{tft{ srftlffis iBq ggrq rft ot$ <sIHT ffi + cle r&

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(wr omto+ or am)

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z. fl/rq+ q\sqr 6{in EF-{i B fu,-

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qqr orqtfrq or crq Crrct

frd.

wnod(0fi ol crq strrrri trr ror{ (qB/rig6)

srmffidarte qFr srotri

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ltrrIi

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SB ORDER NO.: l5/2fi)4

No.79.E/2004-FSCovennnenr of India

Ministry of Cornmunicalions & ITDepartmurt of Posts

(F.S. Division)343-F, Dak Bhavan.

Sansad Marg.New Delhi-l10001

Dated: 20.08.2004

To

All Heads of Circles I Regions.Addl.Director General, APS, New Delhi

Subject: Introduction of new scherne - Senio'r Citizen Savings Scherne (SCSS) -Operating Procedure-Regarding.

Sir/Madarn,

I am directed to forrvard herewith the following documcnts relating to SeniorCitizens Savings Scheme (SCSS):

Operating Procedure to be followed by the Post Offices; andFascimile of the Passbook (Cover page, First page and the tansaction page) tobe used for this new Schemc.

2. The Scheme shall be operated in all the I{ead Post Offices (HPOs), Mukhya DakGhars (MDGs) and Dcpartrnental Sub-Post Offices. as in the case of Post Office Monftb'Income Accounl Scheme (I!{IAS).

3. (D The details of size of the passbook, GSM of the paper to be use( colour and the

number of tansaction pages of the passbook are given below:

a. Size

l.ii.

b. GSM

l-ength:Breadth:

CoverText:

Cover:Tcxt:

l5 cnrI 1.50 cm

t2070

PinkWhite

c. Colour

d- No. of Transaction pages:08

(ii) The lop co'rer page shall ha',zc the departm(nt's logo on the top. 'lhe back of thctop co\,er shall hale the iist oi Post OfEce Sa.dngs Bank Schemes. The back col'er pagisshall contain thc ilnpr:rtanl instructions to subscribers. All the details ilt passbook sh.aill

be both in Hindi ;rnd E nglish. As passbook printers are to be provided to all Head PorlOffices (lIPCls) d,.rnng the fmancial ysar 2004-05, the passbook shell be stitched andNOT stapled.

(iii) Till such tinre. the paosbooks are printed anrl supplied to CirclevTlegions etc. by theRegional F orms Depot (RFDn), the Heads of CircleVReglons may tjet the passbookprinted within tht:u delegated financial powers and supplied these to all concemed PostOffices.

4. the deta'Lled proceduo rna,v be circulated to all concernedl for informationguidance and nec,:ssary action.

Kindty acknawledge receipt.5.

Copy forwarded to

Directol of Audii P&T, Deltu..4Il Dire ctorslDv'. Directors oI'Auoounts, Postal.Direclor, Postal Stafl College" Ghaziabad.All Frir cipals. Poslal Training Centes.DDG (PG)DDG (VIG)AD (SIl/Pa.;rlnspection{PF,{nvestig"tionPostal Acc.ounts Seqtion.All rec,rgnized Staff Unions & .dcsociation.,{ll ,{cr:ounts OfEcen ICO (SB).Ministry of l-inance (DEA) NS-II section, North Block New [)elhi.PS to lvlember (D).

l.2.

3.4.

5.6.

7.

8.

9.

10.

Youn faith-ti: ll.v,

(8.P. BIMAL)Desk C)fficer (SB)

P. BIN{,{L)Desk Officer (SB)

SENIORCITI S SAT'INGS SCHEME (sCS -OPERATINGPROCEDURE

l. Ssllcnt Fcrturca:

(D The account may be opened by an individual, who has attarned age of 6O

years or above on the date of opcnrrg of rhe account. An individr,nl, who has

attained the age 55 yeus or morc but less than 60 yeers and has retired mder

a Voluntary Retir€ment Scheme or a Special lbluntary Retirernent Scherne

on thc detc of opening of the accormt can also open an eccount, withrn three

months from the datl of retirernent.

(ii) The accout may be opened rn rndividual capacity or jointly with spouse. It

is not necessary for the spouse to bc of 60 yeus or 55 ycars, as the cttse may

bc.

(i ii)

(iv)

(v)

(vi)

(vii)

(viii)

This scheme shall be operated t}nough Post Offices in Indra doing MS work.

The account mder the schenp csr also be operated tkorgh small savings

agents working rmder the ' Stmdardr zed Agency Systern' (SAS).

Non-resident Indians (NRIs) and lhndu Undiuded Family (IIUF) are not

cllglblc to opcn an rccount

If a depositor subsequently becomes NRI during the cwrcncy of the accoturt,

the scmrmt may be continucd till its maturity on a non-rcpstriation basis and

the account shall be markcd as a Non-Resident Acoolrrrt. Such accowrt shall

not be extended beyond the rmtwity period.

Thc individual may open one or more account in the multiple of Rs.l000/-.

subject to a modmum limit of Rs.l5 lakh. Further, more than one account

carmot be opened in the sanr post office during a cslendr month-

No withdrawal shall be permitted bcfore the expiry of a penod of five years

from the date of opcning of the accormt. The depositor may extend the

account for a further period of 3 years by making an application to the Post

Office within a period of one year aft{ the maturity pcriod of 5 years. The

extended account shall be decrned to have been madc from thc date o[

matrrity, irrespective of the date of epplicatron.

Preflrature closure of account is permiued any trme after the otpiry of one

year from the date of op€rung of thc account. A deduction of an amount

equal to I 7z % of the deposit shall be deducte4 if the account is closed after

expiry of on€ year but before the expiry of two years from the dste of

opening of the account. If the account is closed alter the expiry of two years

(ix)

-t -

G)

(xi)

(xit)

(oij)

(o")

(xv)

-2 -

tiom the date of openrng of the account, an anount erlual to l% of the

d€posit shall be deducted. However, no deduction shall be rmde rn case of

pre-mature closrue of the account in r:ase of the death of the deoositor

Fwther, deduction shall not be made when the account is closed after the

expiry of orre year from the date of extcrrsion of tJre accourt.

h case of death of the depositor bcfore matunty', the acc()unt shall h: closed

and deposit refunded along with interest tlll the end of the month pl ec€ding

the month in wluch refund is nade. The nominee,'heir cannot contrnue the

accowrt, o{cept m case of a loint accormt, or r.r*rere tho spouse is the sole

nominee, the spouse may continue the accormt on the same terns and

conditions as specified under these rules In case tne spouse rloes not

continue lhe joint accoutlt. the eccount shall be clo:pd and the deposit

refunded along with the interest in the end ol the month preceding tJre month

rn which ret'rmd is made.

The deposit made under these rules shall bear interest @ 996 pr:r annum

from the date of deposrt lnterest is payable on quarter-ly basis r.e from the

date of deposit to 3l s March / 3(F June i 306 Septernber / 3l c Dec ember, as

the case may be in the fust mstance and thereafter. or the last wcrking day

of March- June, September and December. Howerer, in the quarter rn

which the account malures, the lnterest shall he pa.rable till tle date of

maturity of the account. The pnntdd passbook sh-ruld have rhe above

quarterL/ dates indicated.

If so au':horized, rrterest payable on the due dates shal I be cred,ted to the

depositc,r's Sanngs Accorurt rn the same post office in which tle Account

evists srrbject to the condition that by so credit of *re interest amount, the

rna.rimum limrt ofdeposits. ifany, in the savings accorurt, is not cxceeded.

If the i:rterest is not claimed by the depositor, such intcrest shall not earn

additional interest.

The int,:rest shall be rounded off to thc nearesl multil,le of rupee one and for

this purpose any anrounr of 5() parse or morc shall b€ treat€d as Rs.l/- and

an1' am,:unt less than -5(l paise shall be ignored.

Whenever it cornes to the noticc tirat an account has been opened in

contra\ ention of these r.lles, the accou,lt shall be clor;ed rnmedtately and the

deposi; in the account. atier deduction of the intcrest, if any, paid on such

deposit, shall be refiurded to the depositor. In no case shnuld ar post office

open an account exceeding thc ceiling limit.

(xvi)

(xvii)

(xviii)

(xix)

(xx)

-3If at the time of operung of the ecc,ount, the concemed offtcial/ superusor ofthc post office notices that a deposit exceeds the ceiling prcscribed, hel'she

shall request the depositor in *rrting to wrthdraw the excess deposit

immediately. In case this has becn overlooked, on this excess amounr, the

rrterest shall be psid at the rate applicable from timc to time to the Post

OIfice Savings Accout and the interest shall be paid from the date ofdeposit

of excess amount to the end of the month preceding thc month in which the

Post Offrce requests the depositor to withdraw the excess amount. The

amount of excess interesr, if any. alread_v paid to the depositor, shall be

deducted.

In case of an account, conlrnued after meturity, the deposit in such account

shall earn interest at the rate applicable to the new accounts opened or to be

opened under the provisions of these nrles on the date of maturity.

In case the depositor does not close the occount on maturity and elso does not

ext€nd the account for a period of three years by meking an arpplication

within a period of one year after the maturity period of 5 years, the account

shall be treated as matured and post maturity int€rest at the rate applicable to

the deposis under Post Office Savings Accounts liom time to time shall only

be admissible for the pcriod beyond maturity. The amormt of escess interest

prd @ 91o p.a. ur thc quaner after the maturity of the account shall be

deducted.

flomination facllity is available. Where there rs no nomination the amount

standing to the credit of the dcceased depositor shall bc paid by the Post

Office to the legal hein of the dcceased depositor on receipt ofan applicauon

along with a cenr ficst! of the death of the dcpositor and a Succession

Certificata or Letter of Admilustration wlth attested copy of probated will of

the deceased depositor rssued under the provisions of the Indian Succession

Act, 1925. Howevo, if the total amount rncluding, the rnterest payable is

upto Rs.l lakh it may be paid to the legal heirc on production of (i) a lettrr of

hdemnity, (ii) an afiidavit, (iii) a letter of disclarmer on affidavit, and (iv) a

certificate of death of the depositor on stamped paper.

Fees for transfer of Accounts, issue of duplicate passbook and realization

amount of outststion cheques / &aIIs qall be recovered rn cash tluough pay-

rn-slip and credited under the }Iead "Unclassified Receipt" with a suitable

rermrks of the sane on the pay-xr slip. The pay-in-slip wll be attached to

dre schedule rn support of the receipt.

1-

2 Forms

(i) All the forns cucu.latcd by the Drectorate's vide letter No.79-8l200AFS

dated 03.08.:)004 are to be used for this schenr.

(iD Aoplication Folu: If the account is opened through an authorized agent, lhe

remrk "Tk or:gh authonzed Ag€nt...." (nanre and agency no.) shall b,: made

on the top ol'the applicat ion form (F orrn-A).

(iii) Pass Book: A facsimile of the SCSS passbook rs enclos:l. The passbook

rs to be g,ven to the depositor inmediately on op€rurlg of the account.

However, i:r case of deposrt made tfuough cheque or demand &aft, thc

possbook s)rall be grven only on the date ol deposrt after the encashnpnt of

the cheque or demand draft If the deposrtor rs availing the facil ity c,f oedrt

of interest rn savings account, thc deposior shall presort the passbook to the

deposit ofhce once ir a year t'or completion of entries. Otherwise, the

passbook l;hall be presented once in a quarter at the time of collection of

rnterest [n casc tbe orlginal passbook is lost, or mutlloted or danraged, a

dupllcatc passbook oay bo irsued on Fayment of a frc of Rrl0/- in casc

of lirst duplicate pass book and Rs.20l in case of any subsequcnt issue,

on a simJrlc spplicatlon on plain papcr The issue of duplicate pass book

(s) shall be noted in the offrce records hcluding ledger folio. In cas,; the lost

passbook rs found after the rssue of a duplicate passbook, it shsll not be

treated va.lid for any purposc and shall be surrendered to the deposit office

and destroyed in the presence of the depositor.

3 SCSS Ledscr

This shall be marntained rn Form {SB-75(c)} rn HPOs and Departrn:ntal Sub-

OIIices. The ledgler to contain 250 leafs serially numbered fron I to 250, ore leaf for

each account. Besides the particulars of the depositor and thr: account nr"mber, the

ledger contains tne particulars of the deposit and its final / prematwe clor;ure at the

top. The amounl. of interest and th€ date on which payable shrrll be noted on the top

of the yearly cag,es for payment of interest for ready reference. The date of payment

of quarterly inkresl shall bc noted against each quarter r.ndr:r the signa nre of the

ledger assistant / counter clerk and posu:naster / sub-postmaster

Inder tq SCSS Lcdcen

Tlus shall be maintuned in the form SB-78. as for SB accounls

4

t-

5 Pay-in-sllp

Thc Forrn-D shall bc used for delrcsit in tlese accounts Whcn deposit is

made through an authorized agent a remark "ThroWh authorized agent... ... ..."

(I.Iame ard Agency Code Number) shall be nnde on the slip.

o Ip@!A sep,ratc I-ong Book for SCSS transactions shall be naintarned rn the Head

Offrces and Departmental Sub-Offrces by the Postmaster i sub-postmaster. Entries

shall be nnde by the Postmastq i SPM in t}re long book as and when transactron takes

place and is checked by him. The totol of all the columrs shall be struck aftor the

close of the counter hours. The total shall be agreed with conesponding total of the

hst of transections by the Postmaster i SPM. The Postmaster / SPM shsll srgn below

the total of each day in the Long Books in token of having carried out the check.

7. List of Transactions (LOI)

LOT shall be preparcd in form (5B6O) meant for SB Accounts. The word

'SCSS" shall bc written in place of 'SB' on tcp of the list. Against entry of a new

account opened, lhe interest as noted in the passbook and the ledger, shall be noted.

Tyoe of Accounls

The depositor nBy op€n the account in individual capaciry- or jointly with

sPouse

e Ngi@gThe depositor may nominate s person or persors who rn the event of death of

the depositor. shall bc entitled to payment due on the account.

Nomrnation facility is available in case ofjoint account also. However, in this

case, the joint holder wll be the filst person entitled to recerve the amount payable in

the event of death of the depositor and the nominee's clum shall arise onJy after the

death of both the depositor and the j ornt holder-

In case ofjoint eccount or where spouse is the sole nominee, the spouse sha.ll

also be eligrble to make, cancel or vary nomination made earliel after the death of the

depositor.

8

6

1he depositor may appl"v fcr nom;natron at the trme <;f opening of acn)unt or

any time after the oJcning of the aocount but bcfore i's ciosure, by an applicatron rn

FORM-C, accompanied by the passbook r.o the olfrce where fic acctunt stands.

The nounat on nude b1- the deposrtor may be cancelled trr varied by a fresh

nomination in FORJyI-C to the office rn udich account slands.

Nominations and every cancellat:on or variatjon thereoi. shall be re1:jstered

and apphcatioru rekrined at office where the accourts stands

Partrculars c'f nominatron and every cancellaticn or variat:on thereof rhall be

entered at the top :f ledger folro of the account and in the pasbook. Regstcr of

nomrnations shall b,: maintained.

10. Openinr of Account

SCSS accounts can be opened at a Post Office rn India doir.g MIS work

The depositor may malte an apphcation m FORM-.,! alcng wrth the amount

of deposit as per the pay-in-slip in FORM-D, duly iilled m, along with age proof and

joint photograph with spouse. PA\- No. and narne of the Agent shall be ind,cated in

Application Form ln casc the apphcant hss no PAN No the sanre shall be indicarcd

in the application i:rm

The deposi tor rmy operate morc than on€ account subject to the conditions

that the deposits ir. all the accounts taken together shall not exceed lhe maxinrum limit

of Rs I 5 lakh. Morc than one acr.runt cannot be opened in the ssme Post Oflice

during a calendar month.

Head Ol'fice will allot sepa:'ate biock senes of accolrnt numbers to post ,cffices

under its control for these accounts. New accounts wlli ba opned as per th;se block

numbcrs.

In the app,licatlon form (Form-A) a declaration shall lx obtained fmm the

dcpositor to the effect lhot the deposits in all acccunts taken togethrrr do not

cxceed the maximum limit.

The rnterest payable for Lhc first quaiter. subsequent quarters anrJ the last

quarter shall be s,orked out at the rate ol 9%, per annum at the tinrc of opening ofaccount and ncte(t in the tedger and the uass book. interest shai. be rounded offto the

l

nearcst multiple of npes ono arld for this pwpose any {unounr of 50 paise or more

shall be treated as rupee trne and any arcunt less than 50 parse shall be ignored

Duplicate ledger rn respect of accounts opened at sub-post offic€s shall not be

maintained at 0re HO.

I l. Pavment ofQqarE:rlv Inlc(pst

(i) the interest shall be payable on quarterly hasis at the rste of 9qlo per anmrm. In

the firsl instance, the interest shall be paytble froD the datc of opening of the

accounl lo 31'March l30h June / JOL S.ptember / 31r December, as thc cese

may bc. Thereafter, interest shal I be payable on the last working day of March r

June ; Septemtrer ,/ December, as thc casc may bc, except rn the quarter in which

account is maturirg. In the qunrler in rhich the deposit is Eturirts, the interest

shall be pyablc flll the date of maturity ofthe &ccount

(i1) Depositor can opt for palment of interest by

(a) Automatic credrt in savings accormt

O) Filling up application for withdrawal

(a) Automafic credlt in sauinEs aceount!:

(i) A depositor can have hisrher quarterly intercsi credited rnto hrVher savings

account by giving standing instructions to the post oflice provided both the

accounB stand in the same oftlce, subject to the condition that by so credrt of

the interest anount, the maximrm hmit of deposit, rf any. in the saving

account is not exceedcd.

(i, The depositor shall present an application to the Posr Office where the accowrt

stands requesting for the credit of the quarterly inteleit due on the account to

his l her savings account. The numher of SCSS and the number of savrngs

account shall be fumished in the application.

(iii) On recerpt of the applicatron, the counter rssistant shall cornpare the stgnature

on the applicetion wrtti spcc,imen sigrutwe on record an4 tf it tallies, give an

arknowledgemort to the deposrtor for the application. If there is any

disoepency in the specrnren sigrarure. the identity of the depositor is to be

estahlished wirh :ire help of the photograph on record, The PN,Ii'SPM shall

g

personally :icrutimze the photop-raph. A{ier saiisfying "he

rder(ilr of the

deposrtor, tre withdrawal shall be allowed rnaking a surtable re.msrks on the

application for withdrawal to the effect 'fht: dc;rr:rsttc,i- has been irlentiired

with refererrce to his./hcr photogaph on rerord'-. The rqnark shall be signed

by the P)vIi SPM. The deposik-v shall be informcd that. hei;he shall'ue requred

to presenl the passbook ot ieast onc€ in a year lbr nrakirg entnes of payment

of interest.

(i") An entr;- shall be made in the ledger of SCSS accounts "Quarterlv ittterest 1o

be credired in the savrng account No.. . .. . . vide apphcatron kepl at senal

nrrnber .. ... of (-iuard Bmk " The Postmasier shall exrmine the ledger and

the apphcaiion and place hisiheL initial on the applrcatror form and agarnst the

entry in the ledge

(v) All such applicatiom shall be kept in a separale guard boi;k serially nrunbered

(vi) The partrc:lus of all such appircatrorrs shall be cntered in a regilrter to be

maintained rn the following fcrm:

S"" ^gt

SI

No

SCSS

A.i c No

a) (3)

I nuno"niof interest

Date ofSavingsActusl

credrt in RemarksA,'c DueN Noc

(r) (5) (o'T-r

Sufficient space :;hall be left between the entnes in the rcglstcr so that all ouarterly

interest payments can be entered

(vii) To enabl(: a watch being kept rver the pronrpt transier of tnlerest to the

savings ar;count, separate pdges of the regrstel shal! bc allotted date wise for

each quarter. Enties rn the register shall be scr $inized re1;ularly by

SPM/Sav ngs Banli Supervrsor and aclrc''n lrritralcd to imve ile interest

translerred to the savings accor.nt positively on the due date

The counLer assislant shall prelnre a wrtJrdrau.al iirr,r ISB-7) ibr the amount

of lnterest on due date. (hly the warrant of papnent ,;idr oi the applicatron

for wrthdrarryal in the prescri-beri form needs h: tlllcd ,\n entry shr.ll be made

at the tor, of the form ''For credrt ol interest in savings accorrnl nurnber. . ''

The warrrnt of pay,nrent shail be srgnr:d b_v the Posrrn: ster ,, Sub,i)cx;tmaster.

(v r ri)

1

T he amount shall be simultaneotrsly credrtcd rn the SCSS ledger card / ledger

concemed. The Pay-in-slip for the credit shall be prepared by the PA and

signed by the Postmaster / Sub-Postmaster. Both the transactiorL namely. the

peyment of interest and the credit rn savrngs accowrt should appear tn the

respective list of transsctions on the same dato. A remark shall be made

agairst the entry ln the [st of transacticlns ofrhe SCSS accounts. "By transfer

to SB account number .... '' and in Lhe List of Transaction for Savrngs

account "By tmnsfer of urterest of SCSS accowrt number. . . . .. . "

(ix) When thc S B. Passbook rs presented for transaction after the credit of interest

rn the savings accormi. necessary entrcs should bc made thereur. The entries

shall also be made rn the SCSS passbook when it is presented once in a year.

(x) If the depositcr cancels his requcst for credit of interest in savings account or

if either the SCSS account or the Savitrgs Account or boLh fl'e transffiEd liom

the offrce, or if savings accolmt is closerl ur entry shall be made on the

origrnal application 'Cancelled' under the signature of the Postmaster / Sub-

Postmaster. If the depositor desires to have the facility after transfer of the

account shall have tomake a fresh application to the new office.

(b) Bv fillins uo aoolication for withdrawal

The deposrtor shall present a;r applicarion for with&awal (SB-7) for the

amount of interest along wth passbock. 'Ihe amount shall be paid either in cash or by

cheque at the option of the dcpositor. flowever, if the amount of interest is

fu.20,000/- or nnre it shell be paid by cheque The sub.postmaster shall obtain

cheque for the requred amount in the name ofthe depositor from the Head Office.

Entry of payment by cash or cheque shal I be made in the Pass Book, SCSS

Ledger. Long book and LOT.

'l 2. Closure of Account

The closure o[ account on maturity i pre-mature closure of account shall be

done by the ofhce at which the accourt stands Prior approval of Head Prxt Office

shall not be required.

* lO-

l3 Payment on l{glu.g!!

Metunty perrrrrc of the account dr)der this scheme rs five ycars Howev-,:r, the

account can be extenrled fbr a pericxl of3 vcars liom the date cf mal.urity On cr after

expiry of 5 years i 8 :/ears, as the ,;ase ma1' be, from the date of opcr,ing, the dep,ositor

shall be paid the deposlt nlade el 'ihe trrne of opening of the accoun: on produclion of

the passbook and u'rilten applicatron in Form-E

l.l Premature closur€ of sccount

(i) 'fhe prematue, ciosure of t,1e accourrt is permrEeci after one year tiom the date

of opening of the a0count. (h an applicatron rn Irorm-ll. the depcxrtor nray be

pcrmitted to unthdravr the deposit and close thc account at any time after the ex1:;rry of

one year from the dat.e of cpenrng <,fthe account subject to the following conditions.

namely:

(a) In case the account is closed after the expiry of one j,ear but bef<rre the

expiry of two lears from the date of openmg of Lhe account, an annurt equal to one

and a half per cent of the deposit shsll bc deducted and the halance pairJ to the

depositor.

@) kr case the account rs closed on or after the expiry of lwo ycars fr,m the

date of openrng ol the account Bn amount equal to one per cent of tlre deposit shall be

deducted and the balance paid to thc depositor.

(rr.) The depositor availlng the facility of exensicir 0f acoount nay be pernutted to

withdraw the dep<xit. and close the account at sny ttne after the r:xpiry of orLe year

from the datc of extersion of thc account without anv deductron

(irr) In the accouns recorels fuli a.mount of deposit lnvestcd shallbe shown:s pard

and the amount of cliscourt rccovered shall be sho.rn on the receipl side t)n the

warranl .f payment. the dctarls o[ princrpal and discount recover:d shall be shown

separately and acqurtt.rnce of the net arirolmt pavable shali b: taken frc,m the

depositor In the tist of triusact ions and consoLdated _;o,rmal of deposits and

withdmwals, total anrount of deposrt shali be shown ar '.vithdmr.lr, in the wrthCrawal

column and discount reccverrd shown r:-nder a separate colunrn. "Discount deducted".

to be opened fcr t}is pri,-pose on the recelpt slde Entry r€gardilg recovery of the

discount shali also lrc macle rn tht passbook ancl the lerlger Th,: Postmaster shall

check the amount of discornr recovered as shourr rn the cor:solrdatr:d ;oumal .r+ ith the

- lt'

Hcad Office cash book as per procedure being follor+.ed ln the RD accouns when the

inkrest on interim withdravat rmdc by the depositor is recovered.

i5. Heads ofAccounts

The transactions of receipts and paynrnt shall be recorded by the post offrces

in the account records urder separate heads as rmder -

ReceipLs Payments

Senior Citizens Savings Accowrt Seruor Citizens Savrngs Account

(i)

(iD

Deposits

Dlscormt deducted

prelBture closure)

(for

(i)

(iD

Pnncipal

Interest

16. Procedure in HOs In rosocct of Accounts Oocncd in Sub-Officcg

LOT, Pay-rn-Slip end applications for withdrawal received from subpost

offrces shall be processed in the smre manner as is done for savings accounts. Irdg"t

Cards for accounts opened at sub-o{Iices shall not b€ marntained at HOs.

17 Transfcr ofAccounts

SCSS accouts can be transfefi€d from one post offrce to anotler in case of

change of resi&nce The procedure prcscribed for trarsfer of Post Office Savings

Bank will be followed except that:

The depositor shall apply on Form -C, enclosing the Passbook. A trrmfcr

fee of rrpees fivc per lakh of dcposit is to bc charye d in corh thrcugh pay-in-sllp'

if thc deposit lr Rs. I la}h or morc. The anormt is to b€ credited undq the Head

"Unclassified Rccoipt with suitablc rcmrk on pay-in-slip'"

For accormts standmg Bt Sub-Offrc€s, entry of transfer shdl be made in the

passbook and ledger. The passbook shall be retumed to the depositor. The application

for transfsr with a c€rtificate duly siged by SPM showing tJre balsnce, Particulan of

interest paid, as per record of the sub-office shall bc sent to the Head Office for

prepanng the AT and getting it cleared by tire SBCO. The origrnal application for

openirg of account will slso be sent to the HO

-r{-

18. Mairtenancc rd stics

The statrstrcs includfE smount nvested end intrrest paid shall be mafrtained

in the existing statistical regster(.s) by makirg separate columr:s for this scheme

19 lqllEqlflgfedureforSL-&S

Contsol prcudrue rncludrr,Sl checkrng of vouchers, etc. prescnbed fc,r MIS

accounts shall be followed for SCSS. While checking the voucher amount of interest

calctlatcd for new arounts shall be checked for correctness with refercnce to interest

rate applicable. Vcrification of balancc shall be Cone half-year ly in the for.lowing

maJ'tner

(t) The balance of the accowrls rn each otlice shal I be verifred twrce in a year.

The fust round shall cover thc penod from January to June and the second

from July' to December.

(ii) For accounls in HO. balanccs shall bc listed by SBCO brnder wise. Balance in

the regrste' SB-85 shsll be orrived at by adding the total credit; to and

deducting lhe total debtts tlll thc end of the qturter upt,: which trsr$sctions

have been included in the list of balances from the opemng balance of the

quarter Tle balance :ihotrld agrec with that shown rn th': list. If rt agrees the

P.A shall write "agr eed" in the hst under hrs dated sigrrature. The list shall

then be placed before thc iir:pren'iscr The supervrsor slnll veriS and note it

in the binclcr verificatron check sheet under his dated init;als.

(iri) The Subl'txt Offices shall prcpare half-yearly list of balances lhr: list shall

be sent t<, HO and shail be received by SBCO from the Postmaster. Balances

rn the regpster SB-85 shalt be worked out in the sane manner as for HO and

agreed with thc closing balance of the office as per the li st.

(iv) if ihc tu'o sets cf balances differ, P.A shall write rhe name of the office,

bindel nrmrber (rn case of HO accomts) and two sets of balances irr the binder

ii screpancy register. Acticn shall then be taken to rcr:oncile the Jiscrepancy

and to turve thc 1wo sels of balances reconciled.

IU

(a)

- tj-

To dct ct pLtrkca

the previous agrcoment shect should be checked with the balances shown in

the cr:rrent list prepared. Accotmts having no charge in ba.lance should be

ticked.

For accomts in the HO, the binder in respect of accounts ufiose balance have

r:ndergone a chmge should then be exanrirocl to see if the balances in respect

of these accounts have b€n cast correctiy in thc binder. In case of correction

to binder balances. it should be seen lf the sarne is supported by the cntries in

SB-E,5 register.

For eccounts rn Sub-Post Olfices, the discrepancy wll be commurucated to the

Sub-Post Office by the HO for reconcrliation.

@)

(c) .Accounts trusferred to other offices shall be checked with referenc€ to entries

rn S&E5 and SB-85(a) regrstcrs. In case of account opencd by traufer. it

should be checked from the binder or the vouchr whether the accormt has

been correctly included in SB85 register.

(d) Accounts which have becn closerl should be checked with reference to the

entnes in the list of trarsactions and SB85 regtstct.

(e) If the balrrce do€s not egree, the postings in SB-ES register should be checked

mth the list of transactions. If the balance still does not agre€ to the total of

lists of balance and balance cast rn SB-85 registcr should be checke,J agarn.

(f) In addrtron to checking the balence witi SB-85, SBCO shall check vdth the

list of balance of previo',rs quarter as to whether the increase in balance is

correct wrt}I refercnce to interest due and paid in thc account.

21. Rccirter of Oflicc-wige DiscrcDanciei

A 'Register of Office-wise Discrepancies' shall be rnaintained to note

partrculars of offices, whrch do not agree autonntically in the following format:

TNameI

Balance Balance Difference

of 3 and 4

Ag'eed

Balance

Dated DatedDate

selected

for

agreement

of the

Oflice

alt

SB

Per as

th

per allnit

oflst

s rni0sls of

the

Supervisor

_5 e-8

P,A

the

.t

-\+-

(h reconcihatron cf the drscrcpancy, the compl€ted reglster shrll be checL.ed and

rnltiated by the Supxrwrsor.

22. Commisslorr Pavoblc to Aeenls:

The deposit in the scheme can be invested ttrough SAS /rgents. The Agents

will be patd a conrmtssron of 0.5q'o Galf p€rcent) of the arnoult of deposit The

commission will be paid to the Agents'at iource' at the time of d,:posit of mc,ney and

the procedure for tr,{IS Accounts wili be lbllowed for this account also. In case of

deposit by cheque thc contnission will be paid a0er the cheque is encashec,. ln no

case, commission vnll bc paiC by inviting monthly bills for the commrssion tom the

Agents. The commissron pard to the agents wrll be charged undei the Head "Payment

of Conrnission to SA5 A8ents". The schcdules of commission paid along with the

vouchers will be serlt to thc SBCC as per procedure followed for tr{IS Accounts.

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sB oRpER Nol6l20o4

No.79-t2004-FSGovemment of India

Ministry of Communications & ITDeparunent of Posts

@.S. Division)

Date:30.09.2004

To,AII Heads of CircleJRegions,Addl. Director General, APS, New Delhi

Sub: Introduction of new scheme - Scnior Citizen Savings Scheme - Regerding

Sir/Madam,

In continuation with SB Order No. l4l20o4, the undersigred has been directed to forwardherewith a bilingual printed copy of Ministry of Finance, DEA Notification G.S.R.. 490(E) datedthe 2d Augus 2004.

It is requested that the contents of these notification and O.M. may be circulatedto all concerned for information, guidance and necessary action.

3. Kindly acknowledge receipt.

1

ffi,*ADG @S&SC)

Encl: As above

Copy to -l..,

3.

4.5.

6.7.

8.9.10.

Director of Audit, P&T, DelhiAII Directors/Dy. Directors of Accounts, PostalDirector, Postal Staff College, GhaziabadAll Principals, Postal Training CentresDDG (PGYDDG (VIG)AD(SByPc/Inspection/PFA/igilance/ Postal Accounts SectionAll rccognized Staff Unions & AssociationsAII Accounts Officcrs ICO (SB)Ministry of Finance @EA) NS-II sectioru North Block, New DelhiPS to Member (D)

i',{o.2-8l20 0 4- N S.IIG OVIi'1N*HliN'l' OF INI) L\

DEPAI{TN'IIIN I OIi IjCOn*ONIIC AIFAIRS(lluDGET l)IVISIOii)

NOII'iI.{ B LOCK, CEN'ITLAI- SECREI-RIA'I,T]i}W DZI-I II-I IOO(]I. TTIE 2ND,\LIGUST.2OO'+

O FI.'I C ti tr,IElVtORA IJD U il{

Subjcct: Iutr.odnctiotr oI thc Scnior Citizcus Stvirtgs Scitcntc - nl o l-'ilizrr tio Il of dcPosits

tlrrough srrtall srvittgs lgcrtt; rcgllrling.

T5e Lrndersigned ts dilecterl t(, s:ly tllxt the Co,/crlincnt has decided to ailow the srllrll

savirigs agents rvorking rrnder thc 'standaLdised Agcnc), Systcnl (SAS)', to nrol,'ilize rleposits

undcithe Sepior Citizens Savings Sclrerrrc, crderc(l to bc intloduce(l in itccol(lance witll tlle,,Se1ior Citiz-ens Saviugs Scitenri Rules, 2004" rvitlr effcct from tlre 2"d AugLrst, 200'1, Lrntil

furllrer ordels.

2. It has also been decided that comurission at the rate of 0.57. (half pclccnt) of the deposit

shail be payable to the agents for thc dcposits nrobilizecl by tllcnr, trntil fttrthcr ordcrs.

3. Thc colrnrissiou shall be parable at sorrrcc irt accor.lrnce with this Dc!)il'lnlcllt s Ofllcelvlemoranda No. t3/5/99-NS.ll clotcr' 23'r'tr'larch,2000 rrrtl 4'r'i\'Ia1',2000.

4. The amourrt of colnn.iission prid to the agents shall be debited to the Major Fleacl: 3008-

lrrcorne and Expendinrre of Natio ral Small Savirtgs Ftrld (I'JSSF).03 -Managetneut Cost.l03-Pxynlent of Agency Conrurission to Agents-. . . . ...

<,r l(P.c.snidH)

UNDER SECRETARY'IO TFIE GOVEI{NNIENT OF NDIA'I'ELE: 0ll- 2309 3035

Fax: 0l I-2309 24'11 12309 25ll

"r$qii\ lr'ls. P Gcpinlllr, Dcput;r Di:'ectcr Gc;':c:rl (FS), Dcir:.:t:ncnt of Posts, D:l< llh:r"r'::t,Sansad Marg, New Dclhi -- I 1000 LMs. Divya Mallro[ra, Deprty Dile ctor Gcneral (PAIr), Departrnent of Posts, Dlk Bha',vru,Sansad Marg, Nov Dellri - I t0001 .

Plincipal / FiLrance Secrctarics / Financc Corurnissioncls of all state ad ljT Govclunrents /A d rlirristrations.Slrri AnilBhattacharya, Joint Natio,ral Savings Conrnrissioner, National Savings Institutc,4'h Floor, CGO Complex, Seminary I-lills, Nagptrr-440 006.

5. Director, Snrall Savings rrll State Governnrents / UTs.Copy tor-

[. The Conrptroller and Arrditor General of [ndia, Bahadurshah Zafar Marg,New Delhi-2.

2. Controller General of Accor:nts, Lok Nayak Bharvau, Nerv Delhi-11000i.3. Clrief Contloller of Accounts, lvlinistry of Finance(DEA), No*h Block Nerv Dellri-l4. All Dealing Asistants ir NS.lI Section

(PC

.,

3

4

UNDER SECRETARY TO THE GOVERNMENT OF IA

RED.!o.D.L.-43@+99ffi.+ qtF3!ooar99

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MINISIRY OT Ttr{ANCE

(Drp.nlnt dE omL^l!fit!)N(mnornoN

Nex, D.rht, rbe 2rd Augtsq 2004

Gs.n"as(E)- In exercise of the powers confuned by section 15 of the Govemment Savings BanksAct, 1873 ( 5 of 1873),.the Gnbal Govemment hereby mekes the following rules, namelyr

1. Short 6de rnd culrmanc.[hent :. (1) These rules may b€ called the Senior Citizens SavingsScheme Rules, 2004.

(2) they shall come into fonce on the 2M day of August, 2004.

2. D€fnttl,onr :- In these ruleq unles the contert othen vise requires:-

(a) 'Accouff means a savings account opened by the depositor in aftordance with the provisiom of theserules;

(b) 'Acf means the Government Savings Banks Act, f873 ( 5 of fBB);(c) 'degodf means the money deposited in an account under the provlsions of these rules;(d) 'Depcltorr means an individual -

(l) who has atbined the age of 60 yea6 or above on the date of opening of an account under theprovislons of these rules, and by whom, or on whose behalf, money is deposited in an account underthese rules, or

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,) IIIE GAZETIEOFINDIA: EXTRAORDINARY lP^Rr [-SEc- 3(i)l

(ii) who has attained Ule age of 55 years or more but less than 60 years, and who has retircd under a

voluntary retirement scheme or a special volunhry retirement scheme on the date of opening of an

account under these rul()s, subject to the condition that the account is opened by such individual withinthree months of the d;rte of retirement and a certlficate ftom the employer, indicating the fact ofretiremert under such voluntary or special voluntary retirement scheme, retirement benefiB,employment held alongwith period of such emPloyment with the employer, is attached with theapplicaton form (FORM-A).'Deposit Office' means any post office in India doing savings bank work and authorised by DirectorGeneral Posts, to open an account under these rules.'Form' means a form appended to these rules.

Op€ning of account:- (1) Any depositor may opeo an account at any dePosit office by making an

application in FORM -A alongwith the amount of deposit as per the pay-in-slip in FORIII-D, duly filledin, alongwith age proof.(2) A depositor may operate more than one account under these rules subject to the condition that the

deposits in all accourlts taken together shall not exceed the maximum limit as specified under rule

Provided that more than one account shall not be opened in the same deposit office during a

calendar month.(3) A depositor may open the account in individual capacity or jointly with spouse.

4. Deposits and withdrau,'als :- (1) There shall be only one deposit in the account in multiple of onethousand rupees not exceoding rupees fifteen lakh.

(2) Except as providr-'d in rule 9, no withdrawal shall be permitted under these rules before theexpiry of a period of five yr:ars from the date of opening of an account.(3) The depositor ftlay extend the account for a further period of three years by making anapplication in FORM-B to the deposit office within a period of one year after the maturity period of fiveyears as specifred in sub-rule (2)-Explanation.- Extension oF account under this sub-rule shall be deemed to have been made from thedate of maturity irrespectiv€, of the date of application.(4) A deposit office shall, a:; soon as it comes to the notice that a deposit exceeds the ceiling prescribedunder sub-rule (1), request lhe depositor in writing, to withdraw the excess deposit immediately.

5, Mode ofdeposit:- (1) The deposit under these rules may be made:(a) in cash, if the amount of deposit is less than rupees one lakh.(b) by cheque or demand d.aft drawn in favour of the depositor and endorsed in favour of the deposit

office, or in favour of the deposit office.(2) Where a deposit is mad(: by cheque or demand draft, the date of deposit under these rules shall bethe date of encashment oF the cheque or demand draft.(3) Where a deposit is mad: by means of an outstation cheque or demand draft, collection charges atthe prescribed rate shall be payable alongwith the deposit and the date of realisation of the cheque ordemand draft shatl be the date of deposit.

6. Nomination:- (1) The depogitor may at the time of opening of the account under these rules, nominatea person or persons who, in :he event of death of the depositor, shall be entitled to payment due on theaccount.(2) If such nomination is rot made at the time of opening of the account, it may be made by the

depositor at any time after the opening of the account but before its closure, by an application inFORM-C, accompanied by the pass book to the deposit office.

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(3) The nomination made by ttrc depositror may be cancelled or varied by a fresh nomination in FORITI-C to the deposit office ln which the account stands.(4) Nomination facility shall be available in the case of joint account also. However, in such case, thejoint holder will be the first person entitled to receive the amount payable in the event of death of thedepositor and the nominee's claim shall arise only after the death of both ttle depositor and the jointholder.Explanation.- In case of joirt account or where the sole nominee ls the spouse, the spouse maycontinue the account in accordance with the proviso below sub-rule (3) of rule 8.(5) In case of a joint account or where the spouse is the sole nominee, the spouse shall also be eligibleto make, cancel or vary the nomination made earlier, after the death of the depositor, in accordancewith sub-rule (2) to (4).(6) E\rery nominauon and every cancellation or variation thereof shall be registered in the deposit officeand shall be valid ftom the date of such registration, the particulars of which shall be entered in the passbook.

7, Inbrest on depoCt:- (1) The deposit made under these rules shall bear interest at the rate of nineper cent per annum from the date of deposit.(2)Interdst shall be payable from the date of deposit to 31* March/3os June/30s September/3l*December as the case mdy be, in the first insbnce and thereafter, interest shall be payable on 31$llarch, 30e lune, 30h September and 31* December.(3) In case any of the dates of interest payment, specified under sub{ule (2), fall on a Sunday or aholiday, the previous working day shall be deemed to be the due date for the purpose of interestpayment,(4) If so authorised, interest payable on the due dates as specified in sub rule (2), shall be credited tothe depositor's savings account in the deposit office in which the account odsts subject to the conditionthat by so credit of the intercst amount, the maximum limit of deposits, if any, in the savings account, isnot exceeded .

(5) If the interest payable every quarter is not claimed by a depositor, such interest will not eamadditional interest.(6)Intercst shall be rcurded off to the nearest multiple of rupee one ard fur tt$s purpose any amount offifty paisa or more shall be treated as rupee one and any amount less than ftfty paisa shall be ignorcd.(7)The excess amount referred to in sub-rule (4) of rule 4, shall carry inter€st at the rate apdkablefrom time to time to the Post Omce Savings Account and such interest shall be payaHe from the date ofdeposit of o(cess amount to the end of the month preceding the month in which the deposit officerequests the depositor to withdraw the excess amount; the amount of excess interest, if any, alreadypaid to the depositor, shall be deducted(E) In case of an account, @rtinued after mab.lrity under sub-rule (3) of rule 4, the depoSit in suchaccount shall eam interest at the rate applicable to the ne$/ accounts opened or to be opened under theprovisions of these rules on the date of maturity.(9)In case of an account which is not otended on maturity and closed at any time as per prwisions ofsub-ruh (2) of n e 8, post mlutrity anterest at the rate, as applicable to$e depodb urder ttrc MOffice Savings Account from time to time, shall be payable on such mahrrcd deposits, upb ttre end ofthe month preceding the month of dosure of the account.

& Clo3urE of ac@uft- (1) The deposit made at the time of opening of account shall be paid by thedeposlt office at whidr the account stands to the depositor ori or after expiry of five yets from thedate of the opening of the account on prcduction of the pass book accompanied by a written application(withdrawal torm) in FORIII-E.(2) In case the depositor does not close the account on maturity as specified under sub-rule (1),and also does not edend the account under sub-rule (3) of rule 4, the account shall be treated as

II{E GMETIE OFINDIA : EXIBAoRDINARY Il--Sec. l

matured and the deposilor will be entiUed to close the account at any time subject to the condition thatpost maturity interest as prexribed under sub-rule (9) of rule 7, shall only be admissible for theperiod beyond maturity.(3) In case of deeth of a depositor before maturity. the account shall be closed and depositrefunded on an applicatiln in FOR.M-F, along with interest till the end of the month preceding themonth in which refund is made, to the nominee or legal heirs in case the nominee has also expired qrnomination, as provided irr rule 6, was not made, as the case may be:

Provided that in case of a joint account, or where the spouse is the sole nomlnee, the spouse maycontjnue the accourrt on the same terms and conditions as specified under these rules:

Provided further that in case the spouse does not continue the joint account, the account shall beclosed on an application in FORM-F and the deposit retunded along with interest as above.

(4) Where there is no nornination in force at the time of death of the depositor, the amount standing tothe credit of the deceased depositor shall be paid by the deposit office to the legal heirs of the deceaseddepositor on receipt ot an application in FORM-F along with a certificate of death of the deposltor anda succession certificate or Letter of Administration with attested copy of probated will of the deceaseddepositor issued under the provisions of the Indian Succession Act, 1925 (39 of 1925).

Provided that the total amount including interest, payable upto rup€es on€ hkh may be paid tothe legal heirs on production of (i) a letter of indemnity, (ii) an affidavit, (iii) a letter of dlsdaimeron affidavit, and (iv) a certificate of death of the depositor on stamped paper. in the forms as inAnnexur€s to Fom-F.

(5) No deduction, as specifird under rule 9, shall be made in case of premature closure of an account atany time due to deati of a d(lpositor.

9. Premature closune of acoo,unt:- (1) Notwithstanding anything contained in sub-rule (2) of rule 4, onan application in FORM-E, in this regard, the depositor may be permitted to withdraw the deposlt andclose the account at any tinre after the expiry of one year from the date of opening of the accountsubject to the following condir:ions, namely:-

(a) In case the account is closed after the expiry of one year but before the expiry of two years from thedate of opening of the account, an amount equal to one and a half per cent of the deposlt shall bededucted and the balance paid to the depositor.

(b) In case the account is closed on or after the expiry of two years ftom the date of openlng of theaccount, an amount equal to one per cent of the deposit shall be deducted and the balance paid to thedepositor.(2) The depositor availing the facility of extension of account under sub-rule (3) of rule 4, may bepermitted to withdraw the depo;it and close the account at any time after the expiry of one year from thedate of extension of the account without any deduction.

10. Pass Book:- (1) On opening of an account, the depositor shall be given a pass book immedlately,alongwith the depositor's copy of the pay-in-slip (Fom-D) duly stamped and signed by the depositoffice in token of having receivt:d the amount of deposit. The pass book shall bear the date of openirE ofaccount, the number of the acc,lunt, the deposito/s name, photograph(also name and photograph of the

spouse in case of joint account) and address, the amount deposited, the quarterly interest payable

aiongwith due dates of payment, the date on which the deposit will be due for final payrnent the

nam;(s) of the nominee(s) and agenfs name, agency code number, date and validity, in case the

account has been introduced through an agent:

I qI'I [-sl,g a rrR(. iEI T{FEI : EIgIqtO[ 23

Provided that if the deposit is made by means of a cheque or a demand draft, the pass bmk shall begiven to the depositor only on the date of deposit after encashment of the cheque or demand draft asprovided under sub-rule (2) of rule 5.

(2) The depositor availing of the facility of credit of interest in savings account under sub-rule (4) of rule7, shall present the pass book to the deposit office at least once in a year for completion of entries-.(3) The depositor not availing of the facility of credit of interest in savings account under sub-rule 4 ofrule 7, shall present the pass book to the deposit office at the time of collecting interest every quarter.(4) In case of original pass book being lost, or mutilated or damaged, a duplicate pass book may beissued on payment of a fee of rupees ten in case of issue of first duplicate pass book and rupes twentyin case of any subsequent issue, on a simple application on plain paper. The issue of duplicate passbook(s) shall be noted by the deposit office in its office records including the leciger folio bearingparticulars of the account.(5) In case the lost pass book is found after issue of a duplicate pass book, it shall not be treated asvalid for any purpose and shall be surrendered immediately to the deposit office who shall destroy thesame immediately in presence of the depositor.

11. Transfer of account frcm one deposit office to another:- A depositor may apply on FoRM-G,enclosing the pass book thereto, for transfer of his account from one deposit office to another in

case of change of residence:

Provided that where the deposit is rupees one lakh or above, a transfer fee of rupees five per lakh ofdeposit shall be payabh.

12. Account opened in cootravcntion of rules:- Whenever it comes to notice that an account has

been opened in contravention of these rules, the account shall be closed immediately and the depositin the account, after deduction of the interest, if any, paid on such deposit, shall be refunded to thedepositor.

13. DeposlE by ion-ResldeBt lrdians(ilRls) and Bindu Uttdivided Families (HuFlr-

(1) The Non Re$dent Indians are not eligible to open an account under these rules:

Provided that if a depGitor who sJbsequently komes a Non-Resident Indian during the currency ofthe account under these rules, the account may continue till its maturity on a non-repatriation basis

and the account shall be marked as a Non-Resident account:

Prodded further that the count conEnu€d under the above pmviso, shall not be stended for anyfur$er period as provided under sub.rule (3) of rule 4,(2) Hindu tFrdivided Family is also not digible to open an account under these rules.

1+ Fd€r to rel :. Where Ole C-entral Govemment is saustred that the operation of any of theprovisions of these rules, causes undue hardship to the depositor, it may, by order, for reasons to ber€cord€d in writing, relax the requiremenb of that provision in a manner not tnconslstent with theprwisions of ttrc Act.

I F. No. 2ry2m4-N$tr1

D. SWARUP, S€cy.

x I'ltE( ETE(IF IIEIA:EICIR.$RDINARY IPerrE-&c 3(il

FMI-A(Src cfilrse (d) drub 2 and srJb rule (l) of rule 3)

Serial t{o.......................

APPTTGATTOi F .CmtGOf All*OOq TmSllq,CITEffi SHIn€SSOTEG ea

fh ?oahr*/lndl'rlc Ee IEE a cryy of

rEcE tt

phogrdph.

(5nt Phobgraph of bdr trcDepo6fur A Spousc an case of a

irnt @unt)

.(narE of tfte Depclt fie)

rI.tttc of ferrlt (in @ of the acrDunt inuoducd Urrough agent)

Code ib.................... ... ............Dated...... .. .. .valid L@.

tlil lb, (or.pDrbng)Slr,

1, ........, son/darJgttter/wiE of............

TO

t, ..,'' apemEnent reslrent of........aged............yrars, ffiy apdy for olEnlng of an ac@unt under the Ser*x @Ens Savings SdEme, 2(x)4, (herdnafterrcfen€d to as the said sdlerne), in my name / Irntty in rny mme and nry spouse.....

..........................(naflE ard aaLhess d spouse r{ith agE)* and Ender h€r€lyvithRs. (Rupees. .) tn ch / cll€rpe. / dernard Craft, E epadiculars of which a?€ ff€d in the endoseal 'payift.{p(Enn-D), to€rds 4podt h the munt

2. I/wer her€by dedare that,-

(D VrYe* haw charly understodl the Senior gtizens SavingE SdE re Rules, AX)4 gwerning the acEounts undertfie sai, scheme, as amended from tirne to Unre(hereinaftetr refuned to as the sald rules);

0D l/!ye* stEll abkh by the said ruks in letter ard spirit;(iil) the details of other acounts ooened earller by rndus* und.r the sald sdEme, de as under:-

tl,ame of dep6 D(s) & T/pe otreunt

(iv)I/1ryq*stralladherctothecelirrgondepgsitslFJ.ing.u'"depdtslnalltfieeuntsoFEdbymcr'Us*i;tidt*;;.p"dfi"d in rute 4 antl am:ried frorn'time io time. In Ge, at any tkne, aIry c defit b Cound, qrdt

oi€st Otp*it *iff be refunded to me/tE after tecorery of scess lntel€st unds sub-ruh (8) of rub 7'

3. I nominate tie following penbn / persons' mentiond -below'

to e'hom' to ttle exdt6ion of a[ dretr petsons'

in the event of my death u= ,r*r"i trio,G t ,.y c,"dit in the acEount tnouu oe payaot in accodalr with tfie

provisions contained in rule 6:

ArruntofDcFdAcqmt tlo. wthdate of oErins

Narrc dld Addr€ssscf fE Dep6t oficE

st.No.

1

2

3I

tr

{.) ts theShri/SmL/Kwnarl...addrcss(es) of the€vent of rry dedl

{ft m: t

nffi{ncrts) .t Sc:bl Io{s).................................btc Ehl! nfu(s), I qfofttdrnds) u,l$ FnarEtperson(s) in respect of eadt minor nomineel b re6eh,e Ule

duvtrg ti'e mlrHty d UE rpmince(s).sum AE uriler he san Eixt ln tlr

gglr.tsr't/IlxtilD lllE!'frr C rrn dqeffiEC.f6bfirhre EnE rr|d.aErct:t2. Date -At(h)iay/our* sp€EinEn siJnatw€s (thrrnD inFEs8iol), a€ as ffiy:-(i) First depctur:-

(ii) +Joint depo6itor:-

I

#WiuEss.... #wtsrss....... #Wln€ss.

(CqJnEn gned PosEndter^ndErgel (CounlersiJp€d Ender/Indlafge) (Counbn*Jned Fo6tna$erflnd|algc)Date. ....&offiaeSeal D&.................................&dnceSeal Date .& dte S6d

4, I also dedare tlEt the infurnrtion gwlled by me / llsr in lfie oplicdefi tqriEbore, is tsrc b the best dmy/our knowl€dge and tdief aod h case, at any tiflE, arry of the lnbrmalirl.rdlor d€darduon b fuund fake, nointerest on the deposits stE[ be ryat,b to rne/us*, tlle depost cffice shall dose the @un(s) and ]Efind tle &poGfrsafter r€cot ery of the intercst, if any, already pau d| the depcits.

Ydr '.ltltrt

r,

(ftner't of th..ppfic]|t)

2.I

2

D.8..

Plc, (Prr.atFo.dAEa)

E!fisEi1.

2.3.4.

Age proof.Cogy of recEipEd @plicdon brm br alloment of PAN, f PAN b nd anot&d,PEy-in-g,p (Form-D), duly fifled ln alongwith amount of depo|siLCerUf,ate ftun the emdq€r as speffed in suHause (Q d a.,,se (d) d rule 2.

s.Irlo.

llr(s)d thc norl*E(,.lcrtgrrilt tdlEdti, udtttE dopcbr

?emert AdfilssOrt{s) of ttfitr offfis) h c.d r fihr/ qE hdEG€{s).

gm d Otr'nGg, h tnUtuntprrde,

r: SCo.a out whfuilGvcr i3 nd aPllllcauc.

x TI{E GA4TIE ff INDIA : Efl RAORDINARY P.rf,r tr-Slc.3(i)l

t*: (l)The applican(s) who are not assessd to income tax, may fumish a self declaration, that their incoflE from all

sources (in€luding the inter'6t income ftom the account to be opened vlre this applkatbn) do€s not cross theexemptlon limit and the applicant is not required to obtain PAN under Income Tax Act, 1951, as amerded from

time to time.(2) All other applicants shall nEntion the PAN No. compulsorily and in case they have not so far been allotH PAN

by the Income Tax Authoriti6, attested photocopy of the receipted apdi@don form for allotment of PAN shouldbe attacied to the applicati,rn form.

#: in case of thumb impression.OTE: (1) Self attested copies of any of the follo$ring (bdrnenE can be encloGed as agE proof:- Birth Certificate

issued by the Municipal authority/ Gram PanchayavDiski€t Office of the Registrdr of Births and Deaths; VoterIdentity Card issued ry ths Election Commission of India; PAN Card; Passport; P€tion Card; Date d birthcertiflicate ftom the schml last attended by the applkant or any ottrr recognis€d edueatirnal in#hrtbfl orDriving Licence issued by the local licensing authority.

(2) Onginals of the documenls attached, should also be prcduced simultaneousty for verification and retumimmedhtely.

FOR THE USE OF DEPOSTT OFFICE

.(Rupees.

&enfs name, agency code nunlber, date and validity have been entered in the ledger folio€s well as Pass book(incase of account introduced through agent).

Pass 8ek No. .has been assued.

Date Signature of the Incharge of Deposit Omce(alongwith narne and designation stamp)

-)

roRit-l(See sub-rule (3) of rute 4)

Serial NoAPPIICATTON FOR EXTET{SIOTI OF A]I AOCOI'I|T UrlDER,

SET{IOR CTIIZETIS SAVIIIGS SCHEI{E 2(84TO

fhe Po6tmaster/In.fi arge,(name of the Deposit office)

Subr€ct:from

Application for extension of.......(dale/month/yeaD.

an account for three years, with efiect

Sir,

depositor of account No. (hereinafter refened td as the 'sairJ accoun() hereby apply forcontinuation of th€ account under th(: Senior Citizens Savings Scheme, 20(H (hereinafter referred to as 'the saidscieme'), for a fufther period of three years from the date of maturity of my above-sakl account.

L

!l't tr-qra3 l qi! Tqt'i : E

I have urderstood the terflB ard qditbns adkable b th€ acount durlng ttB perbd of a(ErrEt lff thcSenior Gtizens Savlngs Sqt€rne Ru&s, 2004 G amended frqm tirE b thre.

Date Sl$t hr€dtlE DAdbr

Place ( nanE ard ad.hess)

3. I shall close the account lmmediately on completion of the e(Erxred period and g€t bd Ute depGit sbil,.ltgat nry credit in OE a@unt atur adrusEnent d Ure interEst pai, in €!rcBss, lf ary and any der daryes rEcotE€t ein connedion with tlle said account.

FOR THE USE OF DEP('6IT OfEICE

The ac@unt l{o. which was opened on...(Rupees.. .. .. ...

malurcd on........) under tte. Senic CftEETl' Savings Sch€rE, 200+rn

...., has been o<ten@ for a peftd of tfu€e )eals yvfli efiectfipm to....... Rate of lnterest at...................... per oent per annum asapdicable uder.ttre sdeme to fresh deposits opened or b be opened on 0re date of mabrity, shall beapplicaue durirE the exten@ period of the depo6it.

.............W|th Rs...........................

Notlecary entsi€s have been made in tlle Pass Book No................... accordingty.

....,....... ard relaant lrdger folb

TO

Date.......... ...... Signdure of the Ird|argc of Depcit OfEe(along wiE name and dedgnatbn sbmp)

Fonll-C(See rule 6)

Serial lt{o...

APPUGArIO FOi OTI ArlO /GHAXGE/CAIICEUIrIOII Of rcT T{ATIOII I'IIDER SCitrOR. CTTEZEIISSAY! GS SC lrE, 2@a

Iltc Postma$r/ lldl.lgq,(name of tfie Depclt ffice)

tubrsd!5lr.

Application fur tlomination or Change/Cancellation of Nomination.

l,+ &,,.............,..,... ........he8by nomlnaE the follorying person / persons, rEntbnedtnloiv, 6 vy6on, * * errclu6ion of all o0lei peEons, ln the ffifit of my death ttle amount standlng to rry s€dit ln oEeeoount Nq.......,...................WoU1C be payable in aceandancE with the prtrtslons @rtained In lulc 6 of Sedor CitkeGffingr S€h** nuE, 200,t,

u TIB GAiErIE (r lt{XA : EnR/rORDINARY lPrrr tr-Src. 3lill

fam{5), tlrc milne{s)alongu,n t rddio{EhiP withthe deFsito(s)

sl.ib.

FtfllarEnt Addr€ss

Lt As Ule no.nin€e(s) at serial No.(s). abore ls/are mim(s), I appoint

ShrvsmL/KurBri.. ...............[name(s) in full wfi completeirEe] to recive Ule sum dtle under the sai, account in theaddr€ss(6) of the person(s) in r€spect of each minor no.n

d tr my dea$ dfihg Ule minodty cf the nominee(s)'

3.t Thb b in supercessbn of tlE nminatlon(s), made by rne earlier at tfie time of opening of accounVvide my

a@ntud.....{.t I.........................apdkatbn daEd.......

., hsrty tqJeat to canel Orc nornination made by me earlier vi.re my

D.ts................................-At (Plae)......!er qrt wtrldr.sr r nc appr#ln.

slgn tur! d th.d.?dtDr(Name and address)

slEre d O€nomlne(s) ln tlleamount payable.

Dat{s) of Wth dnmtlncqs) in cased a minor/ age indrerds)

FOR THE I'SE OF DEFOSTT OfFICE

The abol,t Itdnination has been regi@ ofl.......nornindon (ffi..... .......has been changEd/Gncelled.

tlecessary cnEies have b€en macle in the Pass Book (No.....

i|o.....-........................ accordingV.

DaE

Fma-o(See suFrule (1) of rule 3 ard ruh l0)

PAY - Ii - SI-IP FM. DCPIG'ITIsuxoEn SE IoR crnzc !t saylttes scfl 2@a

CounMoil (1)

t{ame of Officetlan€ of &positor.......AddrEss:

ffire/. s/HGbandt name:

*ilrE of Aoert (in case of acEount inEoduced tfircughagent) with agency code No., date and validi{y.................-

Account llo -..... Date.

........... AND/OR the earlier

) and reh\6nt Ledger folio

Signature of the InctlargE of Depost Ome(alongwith name and designatim #mp)

Serial irb.

Counterfoil (2)

Of6ce'5tlame of Depo6it Offcel,lame of depositor.......Addre6s:

Fathe/s / Hu$and's t{ame:

r ane of Ag€nt (in Gse of acujrlt introdud Eroughagent) with 4erry code No., &E and valirity

AEcount No Date.

5

be flled in it cffice to be fill€d in cffice

oi,

r II-l€ qErnlqttt: D

Lcdge, Fo[o...............,...(b be filled by depost otrce) lloBr Fdb.. ....(bEaltsdBeHfr)

ClEqudDe[tand Draftrealisatbn Rs. #

ToEl ln woeds (Rupees.

Mhtrd isti dw......- - --.. -.. -. -. -..

TO BE COMPTEIED FV DEPGITGFICE

He.d of GoEfflent fGEol"(b h entsd b, DcAdOffice)* / #*.........

AmountofDeposit (Rs)# ffiDunt of Dep6ft (Rs.)#Che+re/D€mafld DraftrealisathnchaErs (Rs.)##

Account Tmnsfer Fee (Rs.)## A@unt T6nsfer Fee (Rs.)#*Fee for issue of Duplicate Pass Book(Rs.)##

Fee f6r issue of Drrplicate Pass Book(Rs.)f,#

Other dErqes, if anv. (Rs.)** od'er charses, if iny, (Rs.l*#(Rs.)TOTAL AMOUNT ToTALAMOT NT (Rs.)

Total Amount in uords (Rupees.

) lturDetaih of CASH DEPOSIT: 4!,roultf Details of CASH DEPOSII:1000 x 10q, x

500 x500 x100 x 100 x50x 50 x'20x 20x10x 10x05x (E.x02x 02x01 x 01 x

@nsCOINSTOTAL (CASH): TOTAL (CASH):

Cheque /Demand Drdft ll,o. and date: ClEque /Demand Draft t{o. ard date:

Bank / Branch on whidr drawn: Bank / Branch on which drarvn:

AlllOUNT (RUPEES) :Ai,lOuNT (RUPEES) :

EY (Deocfo/s siqr,Eture) & (DeDosibt's sitnahJrc)

Cotirud ltwn pew..... -.. -... -

".......

Head of covemmeflt AccounqE te efttrd by DePo6[

Omce)# / ##..........

lccrilnd tr----. (}F..- n c.H nl (k?4.

;;T#ilr;ilil;-il,;;;l.l;';;iljllb---..-.i.-*--tAgpnffs Csrynisslon d Ule rats cf.........per ent of depo6IilEu*lng b Rs............ (Rwees )rr.hc bcen pald at soutce (ut b ncbt).

cashi.r's sctoll 1|5....................SEdredCadler

(ualor na[Eard& -l)

Sdpetf.d#Ittffi

).r detdLd hde.ior.. for d.go.ft 16 A..ouett5.r^g€nfs @rnndsslm at the raE of....'.'..pcr dt of &Po6ltaflE n*ing to ns........... (turpeB,.....,.............'....."......)r#*has b€€n pa6 at sour€e (url€r receipt).

Cashk/s sodl tbSlgnaht € cf CGf*t

(wth name and ofllce seal)

g.fen isor/lndraEeof ffice omce seal of ofnce ffic! sad

x

!9IEr 1. The cheque/demand draft should be in fa\our ofol the depositor duly

offi-.the Deposit O'fnce, ot in favourerdolsed in favour of the deposit

2. Cheques / Demand Orafts are sutiect to realisation ofttre prcceeds.. Soe out if not apDlicibb

#: rn tryctof WB:-lr.iil tld:&Or-National*v@shryitr

##: ln rryt of verbte drt gw?Hator Hd:EOOE-Inorne and Exrynditure ol NSF.00.I01.OtlretIn@nes.#fld:In resryct ol agency commission to 4,gene:.Htld td: i@tincone and Expendtture ofN59F.03.104

.THE GAETIE OFINDIA E(RAORDINARY r II-Stc. 3

NOIE: 1. The cheque/dema nd draft should be in fa'rour ofthe Deposit Office, or in favour of the dePositor tutyendorsed in hvour of the deposit office.2. Cheques / Demand Drafts are subiect to realisation ofthe proceeds.. Scort out it not applicable

ti In ,capect of Dwslb:-tlaior Had:aaol-Nationalbvings DeposiB.

##t ln t€sfl€ct of vartous drarg* lraJor ,tad:aou-hr@flE and Expenditure of NSSF.O0.|U.OdE|In@fi1€s-Hi#:Irt respecl ol agency commbsiotl lo agenls:Najor Hd: Sa0a-Income ard Expendihrte ofN55F.03.104

FORII - E(!iee sub rule (1) of rule 8 and rule 9)

Sefial No.............-APPtlCArIO FOR CLOTSITRE (rF Al{ A@OUI{T UtlDEt SEIIIOR crTlZCl{S SAl,lrGS SCHEli,tE, 2004

nte Poctrasbr/Incharge,..(name of the Depogit office)

$[r€ct: Application for withdrrwaydoGure d account.

TO

Sir,t. I,................ -

rcsident of ............. ....... ... - .. -..and depositor of munt No. ...........fur d6ure of the saf, ac@unt rrrit rRs.............................(Rupees.................,..ard/or Htl(tion equal to ..

(Rupe6........

............,son/daughter/wife of..............

''.'''..'....'.'...'.....'... (hereinafter referred to as the 'saEeffeEL The interEt of Rs............,........-........TOTA(INTEREST+DEPOSTT)

accounf) her€by apply.....,..... and deposlt ofRs. .... .. . .. .....,. .. ..... .... . -..

immediitte

), *after adJustn€nt ol overprid lnErestper cent of ttle deposit, amounting to Rs......,..;..,

...) and any other charyes, re@veraHefrmr rn€ in Espect of th€ account in question, may kirdly be refund€d b rne lmm€di.rtely.

2" The Pass Book h erdosed.Signature or thumb lmp€ssion of the DeEtor

ACTOUNT No............................,.DA'rE OFRs.....................................Wdrdrawal on account of Interest Rs........-........to Rs........................ ( Rupees.........ls sanctloned in favour of the depositor.ReEollry of orE paid inter€st Rs.......................Odler ChargEs (to be specified) F6....(Rupees. .. .. .. . ... .. . .. ... .

DEPO5rT............,.......

......... and (|epGit Ps.

..., Huction or Rs..............-..... totallirg

,.....,.AMOUNT OF DEPOSIT:

.totalling............)

)

Itnqtr-q€3()] q[{it rtr u{FIt : sGttt|Rq 31

Received a sum of RsF:n............................ ..(Name of Deposit office) as per details furnish€d abore.

)

TO

Sk;nature / Ihumb knpressiofl of the @itor

*: Score out which€ver is mt apCkaqe.

FOR}I - F

(See sub-rules (3) and (4) of rule 8)Serial No.......................

APPUCATTOil FOR CLOSITRE OF ACGOUNT UNDER SENTOR CmZENS SAr/INGSSCHEHE, 2004BY SpOUSE(rcrilr HOLDER) / NOI4TNEE(S)/LEGAL HErRS

The Poctnaster/Indrarge,(name of the Deposlt offic€)

SubJect Application for withdrawal /closure of account.

IA^/ET. .. the spouse (Jolnt holder) j/'iEmirc6(s)

/egal heirs d, the depositor to the Senloi eltizans Savings Scfieme, 2fiH account

wish to withdraw the entire amount standing to ttle crcdit of the deceasdNoin tfie said account.

Sir;

late

Ple?se frrd emlced:-(l) A cedficate in rcgard to he death of the Deposltor.(li)+e 6**" in regard to the death of Shri/ shrimati. .........a]dShri/Shrimati also the nominee(s) appolnted by the Depositor.(lll)*t Succession Certificate/Letter of Administrauon with aftested copy of probated will of the deceaseddepositor lssued under the prov'rsiom of the Indian Sucsstcn Act, 1925.(tY) Pass Book of the Deposlbr.(v)# Letter of Indemnity.(vi)# Amdavit.(vli)# Letter of disclaimer on amdavit

Shnature or thumb lmpression of daimafl(s)

withdrawal of Rs.......,...........is sanctioned.

FOR IE|E BY TTIE DEPOSIT OFFICE

(Rup€es.......

Rr.

]IET(Rupcar. )

)

tt

AITIOUITT PAYABLE Rr.

?

R€ceh,ld a sum of Rs......ftom......,...........................s€tteflEnt cf our daim.

THEGII,ETIEOFINDIA:EKIRAORDINARY

IEiCEI'TTO t' Sil€XCD SYTHE CIIIHAilT(S)

II--"SEc

tn

ATTESTED

iIOTARY RtsUC

)(Name of Deposit office) as per details furnished abore, in ftr[

Signature / Thumb impression of the dainnnfil*: Drhb wtldrcwr at i.t.Fplk Uc...: Gllr c[? f th.rc b r vrlH noahd .#: Io bG ,sodrc.d ry l{d h*s, in tlrc absenoe of nomlnation(s) for claims uPto Rs. 1 lal6.

AIIiEIURE-I TO FOR]II - F(Letter of indemnity)

TO

The Po6haste{ / IEdraFge,(t{ame of EE deposft ofnce)

In corEk erauon of yotr payElent ff agreeing to pay me Ius.

.. .... ......) standing in the account No................................................under SEIIIORCIIIZIB 3fil15 36l3lE, illl wath )our ofHce in ttrc name of ............

..... ............wfhod p,odticum of lefrers of adninistratirn or a succession certificate to theesLE d tE theed............. .......(name of the depositor),

.......... i;*t#j d; ;r"by ro. oursetves ana #heiE, legal representti'E, o(ecutoE and administrators irnw ard severally und€rtake and agree to indemniryyou and yqtr suGo.s ard asigns against all claims, donan&, pIocecdirEs, losses, damages, charges andexDcnces wl*$ may be rabed against or incured bry pu by recon or in com€quence of having agreed bpaylor paytrg m4ts tlp g*n a doresr*i.

In witsr€ss rrM vue have hereufio set my/our harG at hb.................day of............the prcserre of wercsses,

Si$cd ad dehr€ted by the above narnedE/hefs dtto deaased.gE-dtfra*bf thcatoe narEO surtfts (Sigitahjre, narn:s and address)

1

2

Sl$*n€, hnncs and ad&ess d witnqises:

I

z.

llqtr-'rr€ l q(! rFLiIsFIrl : EIfltFl 35

FOR!{ - G(See rule 11),

cerial No....................t_:

Appuc/rfloil FoR TRANSTFER OF Acc(xrNT UilDER sEl@R crzEils sAvIilGs SGHEHE 2(xX

TO

iltGPoctm8 ile/&rdraq+.(naflE d the Deposft offie)

qficat: Apdffiion for Transier of a@int to anofier Deposit ffice.

Slr,

1. lt sorvdaughter^,Yife

depGibr of acmunt ilo, ...............,.................hercry apply for TMI{SFER OF MY AC@UNT I'1o..............................with rdepcG d Rs..................(RupE ..........) under tlre Senir CftEer.SarnngE Sdeme, 2fi)4 b

2. fte P83. Book 13 €ndoc€d.(Itame ard frrll addrEss of the trarderce &po6t offiae)

. SEnafurc or thumb impresslon of ttrc Depositorfffitns...,........ ......,........r.........(t$grdrrc, narrE and addrcss)............,.i,ly specimen signahire/thumb imEesslons, as avalhble ln tlrc rccord of transiber depcit offlce, arc a bdovr(l) Ist Depmltor:-

*Whess *Wtless *Wllrcss.

- (i) Joht Dep6ibr:-

L

I 3.2.

I

comEtrdglrred Po6tme/IndlaBe (GurECgned poctnaster/tnd8gedTnruftreroffie) of TrarEfrGrome)

m...............................&omeSeal Dafie................................&ffieSe|

(CounErslgned Nmsterflncharyedfra*rcrffice)

IhE..............................& ffioe Seal

Formfilcd b:........................ ..........................Onr8ftrce Deposfr ffie) and n@ry effies passeln tlle otrcE r€cod(s).

SlgnaUre A ffi@ sed Cfnr*rcr [hposft offic'Dats ....................

FOR t'SE BY THE TnffffiEE DFOST OfFICE

.+ned on.under SiEl{Im, CITIZIEIS SAVIT{GS SCHB4E Z(p4, an tle nare d&...........................:.........................(rotnt hot&r, t aryi srandhg m U,e

L

books d tie.nffie ald sddEss of the transfuer depd dte) droflhg@of Rs. ...........................(Rpees.........................

{oo.

THE GAreTTE OF INDIA : EMRAORDINARY tr--SBc.

B. The efitries in the pass book have trcen checked, necsary entries indicating transfer, have been made and pass bmkhas been returned to the depositor,

Pass Book received in Original, Signature of Posunaster / In-!&i"ge(with office sea l)Tra nsferee Deposifbffice.

#(Signature/thumb lmpresslon of the depositor )Date......................

. Date............................._...*: In e of thumb imPl€idon.

#: b be siJned on receipt of the pass t'ook at the transferee deposit office.

i

I

the Mrftger. Crovt. of' lndia Press! Ring Road, MaYopuri. Ncw DclhFl l00gPrinrcd bY

and Prblishcd by the Controllcr of Publications. Dcthil 10054

Q -a \cs -saNoJ9.8I20&-ES-

Government of IndiaMinistry of Communications & IT

Departnent of Posts(F.S. Division)

SBORDERNO. T72(xl4

Date:08.10.2004

To,All Heads of Circles/Regions,Addl. Director General, APS, New Delhi

Sub: Enhrncement of Srvings Benk Inccntive to Postd Assiltanb of Department of Postsworkilg in rrvings benk brrnches - rcccptance of Fifth Centnl Pry Commission'sRecommcndrtion (prre 3022) - regrrding

SkA,Iadam,

Minisry of Finance (DEA) vide its I.D. No. l7n200l-NS.lI, datfd 26.08.2004 has

conveyed its agreement rcgarding incrcase in the Savings Bank lncentive amount from Rs. 60per month to Rs. 150 per month in respect of staff fully engaged in the savings bank work andfrom Rs. 30 per month to Rs. 75 per month for those partially engaged in the savings bank worlqin accordance with the recommendations of the Fifth Cenral pay Commission in para 30.22 ofthe Report.

The increase in savings bank incentive would be effective from the dates of issue oforders i.e. 08. I 0.2004.

It is rcquested that the above decision may be circulated immediuely to all concemed forinformation and compliance.

3. Compliance report of the above may be fumished to DDG (FS) immediatcly.

Yours faithtully,

2

^ft#,.w,r(11

ADG(BS&SC)

Copy to -l.)3.4.

5.

6.

7.8.

9.l0

Director c,f Audit, P&T, DelhiAll Directors/Dy. Directors of Accounts, PostalDircctor, Postal Staff College, ChaziabadAll Principals, Postal Training CentresDDG (PCy DDG (VIG)AD(SB)^'G/Inspection/PFA/igilancei Postal Accounts SectionAll recogrized StaffUnions & AssociationsAll Accornts Offrcers ICO (SB)Ministry of Finance (DEA) NSJI section, North Block, New DelhiPS to Mernber @)

Yours faithfirllv.

$"d"1*#u,(Manisha Mishrd)ADG (BS & SC)

sB oRpER NO. 1812004

No.79-82004-FS (vol. III) (Pr)Government of India

Ministry of Communications & ITDepartrnent of Posts

(F.S. Division)

Darc:19.10.2004

To,All Heads of CircleVRegions,Addl. Director General, APS, New Delhi

Sub: Senior Citizcn Sevings Schcmc, 2lX)4 (SCSS) - Clerificrtionc regerding

ShA4adam,

The undersigned has been directed to forward herewith a copy of OIfice Memorandumissued by Ministr),of Finance, vide letter no. F. No. 2-E2004-NS-[ dated the October 13,2004on the above subject.

2. It is requested that the contents of these O.M. may be circulated to all concemedfor information" gurdance and neccssary action.


oq

Encl: As above

Copy to -Director of Audit, P&T, DelhiAll Directors/Dy. Directors of Accounts, PostalDirector, Postal Staff College, GhaziabadAll Principals, Postal Training CentresDDG(PGYDDG(VIG)AD(SB/Pc/lnspection/PF/Vigilance/ Postal Accounts SectionAll recognized StatrUnions & AssociationsAll Accouns Ofliccn ICO (SB)Ministry of Finance (DEA) NS-[ section, North Bloch New DelhiPS to Member (D)

Yours faithfullv.

l{[".,}hN4anisha MishraADC(BS&SC)

l.2.3.4.

5.6.7.8.

9.10.

, L\:,{*2n*r* L2,Sl*

ffi,,w

F. NO. 2-8l2004-Ns-rrGOVER]I}IEIIT OF INDIAMIIIISTRY OF FIIIAT{CE

DEPARTIIEI{T OF ECOTIO}IIC AFFAIR!;(BUDGET DrVr$Oil)

NORTH BLOCI(, CENTRAL SECRETARIAT,NEW DELHI-1l@Ol, THE OCTOEER 13, 2004.

OFFICE I.TEMORANDUM

SUBTECT: Senior CiUzens Savings Scheme, 2004 (SGss)-clarificaUons regading.

The undersigned is directed to say that this Ministry has been in receipt of various suggestions andqueries from Department of Posts (DOP) as well as senior citizens seeking darifications in respect of variousprovisions of the Senior Citizens Savings Scheme, 2004 (SCSS). These suggesbons and queries have beenexamined in this rtment and necessa clarifications are issued as under:-

Yes. Both the Spouses can open individual and/or jointaccounts with each other with the maximum deposits upto Rs.

15 Lakh each, provided both are individually eligible to investunder relevant provisions of the rules governing the scheme.

-Rules 3 & 4.

No such requirement is specafied. The Depositors may gettheir interest, due on the deposits under the rheme, creditedto their existing savings account(s), at the deposit office wherethelr account under this scheme stands. Further, the savingsaccount may be a single or joint ( type 'A' or 'B) account,subject to the condition that the maximum limit of balancespecified, if any, in the savings account, is not crossed by creditof the interest. -Rule 7 4No. This will lead to confusion and also distort the interestcalculations/payments by the deposit offices from time to time.There is, however, no bar on the depositors for opening of

le accounts within the overall ceili of Rs. 15 lakh.

€c r ;r*116 (0.W. ft Ct. {L)

ISSUES RAISED CIAR,IFICATIOil1. Can a joint account be opened with any

person?The account can be opened jointly witfi spouse only

-Rute-3(3)2. What should be the age of spouse in

case of a joint account?In case of a joint account, age of Ist applican(depositor is theonly factor to decide the eligibility to invest under the scheme.There is no age bar/limit for the 2nd applicant/jointholder (i.e. Spouse) Rul+3(3)The whole amount of inyestment in an account undelthe scheme is attributed to the Ist applicant/Depositoronly. Question of any share of the 2d applicant/joint accountholder (Spouse), therefore, does not arise. (Rule-3(3)

3. Share of the joint account holder in thedeposit in an account.

4. In case the depositor does not closethe account on maturity and also notextend the account for a period of threeyears within a period of one year aftermaturity, how, the interest is to becalculated/paid after the maturiry period?

The ac€ount shall be t €ated as matured and post maturityinterest at the rate applicable to the deposits under Post officeSavings Accounb from time to time, shall only be admissible forthe per'rrcd beyond maturity in accordance with the rules. Theamount of o(cess interest paid (at higher rate applicable to thedeposits under SCSS) after maturity shall be deducted-Rule-7(9).No Income/Wealth Tax rebate and/or exemption is admissible

under the scheme. The existing Income tax provisions shallapply.

5. Whether any In@merebate/exemption is admissible?

Tax

5. Whether'A' can open a joint accountwith his/her Spouse 'B' with maximumadmissible deposits of Rs. 15 lakhs andsimilarly 'B' Gln open another accountindividually or jointly with 'A', with anyamount of deposit.7. Whether new savings account is

required to be opened for getting theinterest credited periodically?

8. Multiple withdrawals, as perrequirements of the depositor, may bepermitted.

. Whether any fee is to be charged for nominationcancellation of nomination?a or cha

A t. G. (8S A SC)

new multi

No such fee has been ified. -Rule 6.

3

Instead of clubbing the interestpayments to the last day of the quarterof the calendar year, interest tnay bepaid on completion of a quarter from/based on the date of deposit. Similar

sion exisE under POMIA scfreme.l.Head(s) of account for bmking ofvarious transactions, charges, etc.,under the scheme.

2. Suaessors/heirs of deceased servingpeBons should also be made eligible todeposit the terminal benefits urrder thescheme.

3. Whether documents viz: Ration cards,Voter Identity cards, not bearing dateof birth, can be accepted as age proof.

De rtment of Posts.4. Period upto whidr post- Taturityinterest can be given.

. Automatic electronic trar,sfer ofinterest to a savings account et a postoffice/bank other than the depositoffice.

6. Post dated cheques / warre nts maybe issued towards repaynrcnt of

nnct I on maturi7. Whether State Governme:nts areeligible to the share of net collectionsunder the scheme.

be com

The Department of Posts [Kincl Attn: Mrs. P. Gopinath, DDG (FS)],Dak Bhawan, Sansad Marg, lgrw Delhi-11O0O1.

Copv to:-

The Deparunent of P6ts is offenng the facility of Electrcr,

Credit System(ECS) in computerized post offices and alsoproviriing the facility of post-dated cheques. Ilo change in theexisting provisions is, therefore, desirable.

Some more suggestions/queries are under examination in this Department and decision on the same willmunicated in due course, IThis issues with the approval of the Secretary (Expenditure & Budget). {i

( P. c. sdrGf,)UNDER sEcRErARy ro rHE ."r*itEli35j!3lt

1.

3.4.

Principal / Finance Secretaries of all State / UT Governments & Administrauons.Shri Prabal Sen, CGM (DGBA), RBI, CO, Mumbai.Shri B. Mohapatra, CGl4(IDMD), RBI, co, Mumbai.Shri Anil Bhattachary? Joint National Savings Commissioner, Nagpur.5. s.p I

( P. C. srilGH)

Dehailed accounting procedure for booking of var'toustransactions in resp€ct of the SCSS is under the process offinalisation.

The suggestion can not be accepted. Apart from the SCSS,

there are a number of other options/avenues of investmentavailable under small savings schemes.

Yes. There is no ambiguity in this regard. The documents carryage on the date of issue.

- Note: 1 below Application Form (FORM-A)In case the ac@unt is not closed on completion of the 5 years'maturity period and also not extended under rule 4(3), post-maturity interest @ the rate applicable to Post Oflice SavingsAccounb from time to time shall be paid till the end of themonth preceding the month of closure. No time limit has beenprescribed. -Rule 7(9).

The Department of PosE is offering the facility of ElectronicCredit System(ECS) in computerised post offices and alsoproviding the facility of post-dated cheques to the subscribersof POMIA scheme. Similar facilities may be provided to thesubrribers of SCSS also.This aspect will be examined in detail separately in consultationwith the Department of Posts as well as RBI, etc.

Yes. The rheme is a part of small savings accounted for in theNational Small Savings Fund. Entire net collections under thescheme are transferable to State/UT(with legislature)Governments on the terms of other transfers from smallsavings.

UNDER SECRETARY TO THE GOVERNMENT OF INDIA

\ \sB oRDER NO. 1912001

No.79-820O4-FS (Vol. IDGovernment of India

Ministry of Communications & ITDepartm€nt of Posts

(F.S. Division)

Dat€:25.10.2004

To,All Hcads of Circlcs/Regior rs,Addl. Director General, APS, Ncw Dclhi

Sub: Opcntion of thc Sc nior Citizen Srvingr Scheme, 2fl)4 (SCSS) through public rectorbanks - Rcgrrding

SirA,Iadam,

The undenigned has been directd to forward herewith a copy of Officc Mernorandumissued by Ministry of Financ e, vide lettcr m. F. No. 2-8l200+Ns-tr dstd 3Od' S€ptcnb€r 20Olon thc abovc subject. Tbe tn msfer of accounb from one deposit office to another utrder Rule I Iof the Senior Cirizen Saving s Sclreme i.e. from a Post ofEce to a bank and vice versa on similarlines like PPF scheme will n ow be applicable.

2. In view of t;hc above change the undersiped has been directed to communicatethat exha effort would be required by the circles to sustain the good work done so far inmobilization of business u nder this scheme.

3. It is request,rd rh4t th€ contents of these O.M. may be circulatcd to all concernedfor infonnation, guidance ar nd neccssary action

4. Kindly ackn owledge receip.

Youn faithfirlly,

i/k,*4#rManisha MisbralADG (BS&SC)

ok

Encl: As above

Copy to -l.2.3.

4.5.6.7.

8.

9.

10.

Director of Au,lit, P &T, DelhrAll DirectorVlly. D'irectors of Accounts, PostalDirector, Postal Sta ffCollege, GhaziabadAll Principals, Postr rl Training CentresDDG(PGYDDGO'IG)AD(SB)/PG/Inspecti on/PF/Vigilance/ Postal Accounts SectionAll recogrized Staff l'Jnions & AssociationsAll Accounts Officers ICO (SB)Ministry of Firance (D'EA) NS-II section, North Bloclq New DelhiPS to Member@)

*1t---

No.2-8l2004-NS.u(;OVERNMENT OF INDIA

DEPAR]IMENT OF ECONOMIC AFFAIRS(BUDGET OIVISION),," \3$

'\- I;"lf ii,.iLlL,.,'" ...'fln

NORTH BLOCK, CENTRAT SECRETRIAT,NEw DELHI-110001, THE 3os SEnIEMBER, 2o0c

ctr Op€ration of the S€niol Citlzens Savings Scheme, 2004 (SCSS) through publicsector banks- Regardln g.

The undersigned ls directed to say that the Government has Intrcduced the Senior Citlzenss Scheme, 2004 (SCSS) with effect from the 2d August, 2004, through post offices. It has

OFFICE MEMORANOUM

Detailed accounting procedr rre for various transactions under the scheme is under processisation. Pending this, the trar rsactions under the Schd'me may be classified as under:-

now been decided to operate the S(:heme through designated brancheis of the public sector banksin addition to the post offices. The echeme shall be operated through all the branches of the.,public sector banks, which are operating the Public Provident Fund (PPF) schemtr. A

(suitable amendment to the Rules is being made. Copies of the relevant notifications will be sent inuE murse.bro"1. 'Small savings agents work,rng under the Standardised Agency System (SAS), irre

eligible to mobilize deposits under the scheme and commission @ O.5olo (half a per cent) of thedeposit shall be payable to such il gents, The "at source commission payment system",adopted in case of commission payn r':nts to PPF agents, as envisaged in this Department's Offi(:e

,

Memoranda No. 18/5/99-NS.II daterl 10s February, 2oo4 and zos May, 2oo4, will also b.e I

applicable to the agents mobilizhg deposits under scss. It may be mentioned that SAS agentsi I

were mobilizing deposits under the erstwhile Deposit Schemes for Retiring Employees.

o

L)14/l

v f finalJo

i) Deposits and withdrawa I of principal: Major Head: 8oo1-National Sa

Deposits,OO. 103-Fixed and Tirfl e Depositsi

r8l Interest payments to the d\epositors: Major Head: 8oo8-Income and Expenditure ofNational Small Savings Fund.O2- Interest Payments to Subscrikrs. 1ol-Interest on National

Savi ngs Deposits;

vingst

It

-/.l-

f )o"^'y'-

drn\ Commission payable to agents: Miljor Head: 8008-Income and Expenditure of National SmallSRvings Fund.O3-Management Cost. lo3-Paynment of Commission to Agents.O2.Payment ofcornmission by Post Offices/Bank s*.01-Payment oF Commission to SAS Agents.50-Othercharges.

4. It is expected that the authoriserl banks woutd be abte to accept deposits under the schemeat the earliest feasible but not later than November 01, 2004.

5. Reserve Bank of India are, theretore, requested to kindly mak-e necessaryarrangements and issue suitable ins tructions to all agency banks concerned in this regard.

+: stroke out whichever ls not applicabl( t,

t(- Y ro.

MorhbrrlDr

&hir.:,(2)

/u"

I

)

d7)

-z-50o printed copies of the Senior Citizens Savings Scheme Rules, 2004, as notified in theGazette of India (Eltraordinary) under GSR No.49O(E) on 2nd August, 2004, are enclosed fordistribution anxrngst the agency banks for their reference. The said Rules a'e also ayailable at theMinistry of Finance v/ebsite: www.finmin.nic. in .

Receipt of th s OM may please be acknowledged by return fax.

S(Anurad

Director (Budget)TELE: 011- 2309 3810

Fax: 011-2309 4052. I 2309 3273

,t /.-M Prasad)

Toa-/

'/

The Reserve Bapk of tndia,lShri Prabal Sbn, CriM(DGBA)1,Central Offlce/ MUMEIAI.

COPY TO:

1

23

The Comptroller and Auditor General of India, Bahadurshah Zafat Ma$, New Delhi-zController G(lneral of Accounts, Lok Nayak Bhawan, New DelhFl10003.

e Chlef Controller of Accounts,(Kind Attn: Shrl G.P, Gupta) Ministry of Finance(DEA), North Block, New DelhF11000l.Ms. P GopinEth, De puty Director General (FS), Deparunent of Posts, Dak Bhawan, SansadMarg, Neu, Delhi - 1.10001Ms. Divya PlDlhotra, Deputy Director General (PAF), Department of Posts, Dak Bhawan,Sansad Marg, New Delhi - 110001. The Accounting procedure in respect of theSCSS. as above, ma,y be adopted by the Department oF Posts also on interim basis, forclassiflcation/accountr ng of various transactions under the scheme, until the detailedprocedure is linalised ,

Principal / Finance Se cretaries / Finance Commissioners of all state and UT Governmenls /Administrations.Shrl B. Mahapatra, CG M (IDMD), RBI, C.O., Mumbai.Slrrl Anll Bhaltacharyi r, loint Natlonal Savings Commlssloner, National Savings Institute,4"' Floor, CGO Comple {, Seminary Hills, Nagpur44O 006.Director, Small Savings:all State Governments / UTs.(with and without legislature).Shri B. Shrinives, Gene ral Manager, RBI (CAS), Nagpur.Shri P. Arvind, Regiona ! Director, RBI (PDO), Nagpur.All Oealing Assistants in NS.II Section. nA

ulu-J(Anuradha Prasad)

Director (Budget)

v5

6

7

I

9.101172

,-f'-n " u"-sB oRITER NO.20rllxl4

F. No.97-25l9t-SBC-rovemment of India

Ministry of Communications & ITIlpartrnent ofPosts

(F.S. Division)

Date:26.10.2004


Sub: - Appltcebility of the provirionr of Income Ter (PAItl / GAR No.) to depositserceeding Rs. 50,lXD/- under PIOSB Schemer4lrrllicetion rcgerding.

SirA,Iadam,

The issue regarding implementation of the provisions of l6s Amendment Rule, 1999issued to Income Tax A* 1962 vide CBDT's notification S.O. 889(E) dated 9.10.1998 inrespect of operations of POSB Schemes including savings Certificates, had been referred toMinistry of Financc for issuing suitable insructions in the matter.

The Ministry of Finance vide DO No. 2ll4l2W4 -NS.II dat€d October 20, 2004 hasissued the below given directions on the subject above for strict compliance.

'Thc Income Ter Depertment, Milfutry of Finencc issug cuch notilicrtiongrmending thc IT Act from time to time rnd it ir binding or lhc cotrceracd rgenrie to rbideby thcse rmcndmentr rnd other instmctions. Thb MiDfutry woutd thcrrfor4, edvise theDcprrtment of Posts elro to follow thccc hstmctionc.'

2. It is requested that the contents ofthis order may be circulated to all ooncemed forinforrratiorl guidance and neccssary action.


Yours faithftllv.

,H,#",ADG(BS&SC)

Copy to -l.2.3.

4.5.

6.7.8.

9.

10.

Director of Auclit P&T, DelhiAll DirectorVDy. Directors of Accounts, PostalDirector, Postal Staff College, GhaziabadAll Principals, ))ostal Training CentresDDG (PGY DDG (VIG)AD(SB)/PG/Iff pection/PFA/igilance/ Postal Accounts SectionAll recognized Staff Unions & AssociationsAll Accounts Offrcers ICO (SB)Ministry of Finance @EA) NS-II section, North Block, New DelhiPS to Member (D)

sB oRDER NO.2t tzw4MOSTIMMEDIATE

No.79-t200,1-FS (Vol. I$Government of lndia

Ministry of Communications & ITDepartsnent ofPosts

(F,S. Division)

Date: 03.1 1.2004


Sub: Scnior Citizcn Sevings Scheme,2fi)4 (SCSS) - clerilicrtions regerding.

SirA,radam,

The undersigred has been direct€d to forward herewith a copy of OfEce Memorandumissued by Ministry of Finance, vide letter no. F. No. 2-EI2004-NS-[ dated October 29,2004 onthe above subject.

2. It is requested that the contents of these O.M. may be immediately circulated toall concemed for infomution, guidance and necessary action.

3. Kindly acknowledge receipt

Yours faithfully,

M;ffiADG (BS&SC)

Encl: As above

Copy to -l.2.3.

4.5.6.7.

8.

9.

10.

Director of Audit, P&T, DelhiAll DirectorVDy. Directors of Accounts, PostalDirector, Postal Staff College, GhaziabadAll Principals, Postal Training CentresDDG (PGYDDG (VIG)AD(SByPG/Inspection/?FA/igilance/ Postal Accounts SectionAll recogrized StaffUnions & AssociationsAll Accounts Officers ICO (SB)Ministry of Finance @EA) NS-II section, North Block, New DelhiPS to Member (D)

)

cffi;," F. t{o. 2-al2004-1{9rrGOVER }IEI{T OF IIIDIAl,{ll{ISTRY OF FIIAI{CE

DEPARTI,IENT OF ECOI{OI,IIC ATFAIRS(BUDGET DTVTSIOI{)

I{ORTH BLOC& CENTRAL SECRETARIAT,l{EW DELHT-110OO1, THE OCTOAER 29, 2OO4.

OFEICE MEIiTORANDUM

SUBTECT: Senior (:itizens savings Scheme, 2Oo4 (SCSS)-clarifications regarding'

The undersir]ned is directed to say that this Ministry has issued certain amendments tothe Senlor Cltizens Savings Scheme Rules, 2004 (SCSS) on 27b October,2004. A 'Press

Communiqu€' was a so issued to this effect on 28th October, 2004. It has been reported in certainsections of the'Press'that the scheme has been modified to include all persons who are 55 yearsbut less than 60 years of age, as eligible persons for the purpose of this scheme.

2. It is, hower/er, clarified that only persons retiring on superannuauon or other-wise and who harc attalned the age of 55 yeani or mone but less than 60 years on thedate of opening of accounq have been made ellgible to subscribe to the scheme videUre amendment nrfered to above.

3. The mlnim,um age llmlt of 6{, years shall conunue to apply in all other cases asper the specified pnrvisions.

4. It is fururer darified that only Defence Personnel(excluding Civilian DefenceEmployees), retirec on superannuation, shall be eligible to subscribe irrespective of the agelimits, Personnel, retiring otherwlse than on superannuation, shall be eligible tosubscribe to the ldreme only after attaining the age of 55 yearc.

5. Copies of signed notificaton effecting the amendments have already been sent to theDepartment of Posrs and Reserve Bank of India for their information and necessary action videthis Departnent's k:tter of even No. dated 27s October, 2004.

6. The above clarifications may kindly be brought to the notice of all concerned immediatelyin order to avoid any wrong interpretation/inegular investments. This may kindly be treated

most ammedaate.

N t2 Recelpt of r:his OM may kindly be ackrrcwledged by return fax.t4

( P.c. NGH)UNDER SECRETARY TO THE GOVERNMENT INDIA

Tele: 2309 3035Fax: 011 - 2309 2477 I 2309 2511

2.

Departrnerrt of Posts, [Kind attn: SmL P. Gopinath, DDG(FS)]Dak Bhayran, Sansad ilarg, ew Delhl-1100o1.

Reserve BE nk of India (Attn' Shri prabal S€n, CGM (DGBA),(CENTRAL OFFICE), Bycuta, trtuMBAI.

tq s'.JS & sc)

..{cry(r'..9,G'

'-*/91' No$-""

l

P.''\/

sB oRDER NO.2212004

No.79-8l2004-FS (vol. Ir)Govemment of lndia

Ministry of Communications & ITDepartrnent of Posts

(F.S. Division)

Date:02.11.20M


Sub: Implementetion of the Scnior Citizcn Srving Scheme,2lD4 (SCSS) through publicsector benks, ctc., - AMENDMENTS to the scheme regrrding.

SLA,Iadarn,

The undersigned has been dirccted to forward herewith a copy of Office Megrorandumissued by Ministy of Finance, vide letter no. F. No. 2-8I2004-NS-II dated October, 2f 20o4 on

the above subject. The Office Memorandunr encloses a copy of fre Gazette notification dated27h October, 2@4 to be published in the Gazette of India vide GSR.............@) amendingcertain rules of Senior Citizens Savings Scheme, 2004.

2. It is reqtrestcd that the contents of these O.M. and the enclosed Gazettenotification may be circulated to all concemed for informatiorg guidance andnec€ssary action.

3. Kindly acknowledge receipt of this letter.

Yours faithfully,

,*r.t*W*ADG(BS&SC)

Encl: As above

Copy to -l.2.

3.4.5.

6.7.

8.

9.t0.

Director of ,{udit, P&T, DelhiAll DirectorVDy. Directors of Accouns, PostalDirector, Pc,stal StaII College, GhaziabadAll Principrls, Postal Training CentresDDG (PGY DDG (VIG)AD(SB/P{iAnspection/PFA/igilance/ Postal Accounts SectionAII recogni zed Staff Unions & AssociationsAll Accounts Officers ICO (SB)Minisry of Finance (DEA) NS-II section, No(h Block, New DelhiPS to Member@)

-n _ta

t .ra- o'

'#'#t.BF

FAx: 1. 2309 6089 / 2309 60052 022 - 2300 03 / 2301 009s

IMPORTANT / MOST IMMEDIATEF. NO.2-8I2004-NS-IIGOVER.iII'IEI{T OF IITDIAI'IIilISTRY OF FINANCE

DEPARTI,IENT OF ECOt{Ol,lIC AFFAIRS(BUDGET Drvrsroil)

ilORTH BLOCI(, CENTRAL SECRETARIAT,NEW DELHI-llOOOl, THE OCTOBER 27, 2OO4.

TO

2

COPY TOr

-Du_

1.'/ Department of Posts, [Kind Attn: Smt P, Gopinath, DDG(FS)]Dak Bhawan, Sansad Marg,NEW DELHI-110001.

The Reserve Bank of India, (Attn: Shri Prabal Sen, CGM)(Department of Govemment and Bank Accounts)Central Office, Bycula,MUMBAI.

SUBJECT: ImplementaUon ofthe Senior Citizens Savings Scheme, 2004 (SCSS) throughpublic sector banks, eIC.,-AMENDMENTS to the scheme regarding.

Madam/Sir,

I am directed to refer to this Department's OM of even No. dated 30b September, 2004 onthe subject cited above and to fonvard hercwith a copy of the signed noUficaUon effectingvarious amendments, including the amendment enabling all the branches of the public sectorbanks doing PPF business to accept subscriptions under the Senior Citizens Savings Scheme, 2004(SCSS) as well, with immediate effect, for further necessary action.

2. Reserve Bank of India are further requestdd to instruct all concemed / public sector banksimmediately to implement the said scheme through their designated branches latest by 1*November, 20O4 posiUvely.

D.lp$ Receipt of this letter may klndly be acknowledged through return FAX.

f'itl#q This may kindlv be treated as lrtOST TMMEDTATE.

f4"7*j

J J-t^ clq,- l^

awYM..-y.frrr,qo\l ' /

Yours faithfully,

UNDER S

I#.'( P. c.-srlrclrr

TO THE GOVERNMENT OF INDIATele: 2300 3035

1

23

The Comptroller itor General of India, Bahadurshah Zafar Marg, New DelhF2.Controller General of Aaounts, Lok Nayak Bhawan, New DelhFl10003.

The Chief Controller of Accounb,(Kind Aftn: Shri G.P. Gupta) Ministry of Finance (DEA),North Bloc& New Delhi-110001.

.'i;fr'(u-1fr-rry

2

4 Ms. Divya Malhotra, Deputy Director General (PAF), Department of Posts, Dak g[6ry2n, SansadMarg, New l)elhi - 110001. Principal / Flnance Secretaries / Finance Commissione6 ur all stateand UT Gov,:rnments / Administrations.Shri B. Mahapatra, CGM (IDMD), RBI, C.O., Mumbai.Shri Anil Btrattacharya, loint National Savings Commissioner, National Savings Institute, 4hFloor, CGO (bmplex, Seminary Hills, Nagpur-2140 006.Director, Snrall Savings all State Governments / UTs.(with and without legislature).Shri B. Shrir,ivas, General Manager, RBI (CAS), Nagpur.Shri P. Arvind, Regional Director, RBI (PDO), Nagpur.All Dealing l\ssistants in NS.II S€ction.

56

7.8.9.10

t), t_{( P. C. SINGH)

UNDER SECRETARY TO THE GOVERNMENT OF INDIATele: 2309 3035

lTeiE PUBLISHED IN THE GAZETTE OF INDIA r EXTRAoRDINARY, PART rI - Sec.3(i)l

MINISTRY OF FINANCE(Department of Economic Affairs)

NOTIFICATIONNew Delhi, the .zlh October, 2004

cSR.......,.(E) :- In exercise of the powers conferred by section 15 of the Government Savings BanksAct, 1873 ( 5 of 1873), the Central Government hereby makes the following rules to amend the Senior CitizensSavings Scheme Rules, 2004, namely:-

1. (1) These rules may be called the Senior Citizens Savings Scheme(Amendment) Rules, 2004.

(2) They shall come into force on the date of their publication in the Official Gazette.

2. In the Senior Citizens Savings Scheme Rules. 2004(hereinafter referred to as the said rules), in rule 2,-

(a) in clause (d), for sub-clause (ii), the following sub-clause shall be substituted, namely:-

"(ii) who has attained the age of 55 years or more but less than 60 years, and who has retired onsuperannuation or otherwise on the date of opening of an account under these rules, subject to thecondition that the account is opened by such individual within one month of the date of receipt of theretirement benefits and proof of date of disbursal of such retirement benefit(s) alongwith a certificate fromthe employer indicating the fact of retirement on superannuation or otherwise, retirement benefits,employment held and period of such employment with the employer is attached with the application form in

Form-A:

Provided that the persons who have retired at any time before the commencement of these rules andattained the age of 55 years or more on the date of opening of an account under these rules, shall alsobe eligible to subscribe under the scheme within a period of one month of the date of this notification,subject to the fulfilment of other specified conditions:

Provided further that the retired personnel of Defence Services (excluding Civilian Defence Employees)

shall be eligible to subscribe under the scheme irrespective of the above age limits subject to thefulfilment of other specified conditions.";

(b) for clause (e), the following clause shall be substituted, namely:-

'(e) "Deposit Office" means,-

(i) any post office in India doing savings bank work and authorised by Director General Posts, to open araccount under these rules, or

(ii) an office or branch of a banking company, or any other company or institution, authorised by the CentraGovernment to receive subscriptions under the Public Provident Fund Scheme.'.

3. In rule 4 of the said rules, in sub-rule (1), the following shall be inserted at the end, namely:-

'Provided that deposits by depositors under sub-rule (ii) of rule 2, shall be restricted to the retiremenbenefits received by them or rupees fifteen lakh, whichever is lower.

:/

s

Explanation:- For the purposes of this sub-rule, "retirement benefits" means any payment dur 'o tlredepositor on account of retirement whether on superannuation or otherwise and includes Provident Fund

dues, retirement/superannu ltion gratuity, commuted value of pension, cash equivalent of leave, savings

element of Group Savings linked Insurance Scheme payable by employ,:r to the employee on retirement,

retirement-cum-withdraural benefit under the Employees' Family Pension Scheme and ex-gratiapayments under a voluntary retirement or a special voluntary retirement scheme.'.

4. In rule 7 of the said rules, in sub-rule (4), 'for the words "limit of deposits" the words "limit of balance" slrall

be substituted.

5. In rule 8 of the said rules, in su b-rule (3), after the second proviso, the follov;ing proviso shall be inserted,namely:-

"Provided also that where both the spouses have opened separate accounts under the scheme, and eitherof the spouses dies during the currency of the account(s) under the schenre, the account(s) standing in thename of the deceased depositor/spouse shall not be continued in accordance with the first proviso and such

accounts shall be closed.".

6. In Form-A of the said rules,-

(i) in paragraph 2, in sub-paragraph (iv), for the word, brackets and figure "sub-rule (8)", the word, bracketsand figure "sub-rule (7)" shall be substituted;

(ii) for the person/persons mentiorled below paragraph.3, the following shall be substituted, namely:-

.TABLE

Permanent AddressDate(s) of birth ofnominee(s) in caseof a minor/ age inother cas s

3

ra h s of the nominee s S nature thumb im ression oF the nominee6 7

7. In Form-C of the said rules, for the person/persons mentioned below paragraph 1, the following shall besubstituted, namely:-

..TABLE

Permanent Address

sl.No


(1) (2\

Share ofnominee(s) inamount payable.

:(s)

thethe

4

sl.No.


(1) (2)

Date(s) of birth ofnominee(s) in caseof a minor/ age inother case(s)

Share ofnominee(s) inamount payable.

thethe

(4) (s)

(s)

(3)

i,f{

Photoqraph(s) of the nominee(s) Signature/thumb impression of the nominee(s)( b.) (7)",

8. In Form-E of the said rules, under the heading RECEIPT, below the words "Signatureffhum b impression olthe Depositor", the following shall be inserted, namely:-

"Signature of in-charge of Deposit Omce(Alongwith name and designation stamp)".

9. In Form-F of the said rules, under the heading RECEIPT TO BE SIGNED BY THE CLAIMANT(S), belowthe words "Signatureflhumb impression of the Claimant(s)", the following shall be inserted, namely:-

"Signature of in-charge of Deposit Office(Alongwith name and designation stamp).".

IF.No. 2-8l200a-NS-II]

,rfuUnder Secretary to Government offndia

NOTE:- The Senior Citizens Savings Scheme Rules, 2004 were published in the Gazette of India (Extraordinary)vide notification number GSR 490(E) dated the 2id August, 2004.

7

ilo.2-8l20(}1-IlSIIGOVERJI}IEI'T OF I]IDIA

DEPARTIIEIfT OF ECOIIOUIC AFFAIRS(FUDGET DrVrSlOtl)

iloRm BLOGT9ilEW DEUil-1100O1, THE',

rgwf,Al.sEcnEruAT,iiii" serruee& zooi

The underslgned b dlrecGd to say that tlte Gov€mment has inuoduced the Senbr CltizensSavings Sd€rne, 2m4 (SCSS) wlth efiect frorn the 2E Augus! 2qH, t,llough pg6t otrces. It trasnour been decided b opente ttre Sdeme through rresi<fnated brandres of Ure iirrUt sector banks '

in additkn b UE p6t ffies The *hemc Cull be operated through all the bnrdrG. of thcputlic sGdor b.nks, whidr are opendng tfic PuHlc ProvidG|lt Fund (PPE idrsn., Asuitabh arnendnent to tfie Rules is being made. cophs of the rehvant nofrfictbns wlll be seflt lndue course,

2. Small savins ag€ntE worldng under the standadlsed Aeqncy syem (SAS), areellgible b tnobilla depcts uneg $e sdlarc and conrmbdon O 0.506 (ha!f a per cdrt) of ttEdeposit shall be pryable b strch agenB The 'at tource commbclon paymut sIEt m',ado@ in case d dn nbsbn payments b PPF agEnts, as envlsaged-lo thb DepartmenYs Officemenroranaa l.lo. 18/5/9$NS.tr daEd loth Febnrary, 2OO4 and 2Oh Hayr 2OO4, will Ebo beapplkable b tsre, egents rnobllldng deposlts under SCSi It may. be merffoned that SAS agerGwere mobilizirE detbsits urder the ershrhlle Depostt Schemes for Retiring Empb),ees.

OFFICE HEIIORANDU}I

$brect OpGr.fon of th€ Scnlor Ouzcrr3 S.vlngs Sttreme, 20|04 (ScSq tlrrough puulcsecbr brnkF RqErding.

3. Detailed accounung proedure for rarlous transacuons under the sderne is under process

of finalisation. PendirE thls, tlle transadions under the Sdterne may be classlfied as under:-

(i) Depclts and wlthdarflal of princjpal: Major llead: 8ool-Natbnal savingsDepctts,Oo.lo3-Fb(cd and nrrc DGpo6its;

(ii) Interert payments b tha d6pocltot!: l,hpr llead: EoOS'In@me and E:podfture ofIlatbnal $nall Savlngs Fund,02-Inter€st P4nenE b Subsalbers, lol'InErest on tlatjonalSavings Deposits; .

(iii) commlrsion payabh b agents: Majq Head: 8oo8-Incme and Freerditurc of tlauonal SrnallSavlngB Fund.03-Management Eod.l03-Paynnrcntiol Eommlsslon b Ageflb,OZ.trdyrnent otcommlsslon by PGt OfFes/Banksr.Ol-Payrlent bf Commlsslon to SAS Agents.grcthercfiarges.

,

4. It is expected that the authorised banks would tE able to aacept deposits under the schemeat the earliest feasible but not hter than November 01, 2004.

5, Brtrryr E nk of Indi. arE, therefore, reiue*eO to kindly m.ke nc[E r.ryarrangement3 and issue suitabl€ instructions to al[ ugency banks concerned in this regard.

*: sboke out whiJE\rer is not apdicable.

-2-5Oo printEd copies of th€ Senior Cltz€nc Savlnp SdlCrIE Rules, 2(X14, as ndiH in theGazetE of India (Bdraonlinary) under GSR No. a9O(E) on 2d tugust, 2OOr4, are errclosed fordistibutbn armngEt ttle :gency banks for thelr reference. The saij Rules are also arailaue at theMini$y d Flnane rnbdt!: y\4rwv.finmln.nic.ln .

Receipt of this OM may please be acknowEdged by return fax.I

->do/ -I

(Anundha Pnsad)Director (BLdget)

TELE: 011- 2309 3810Fax: 011-2309 t1052 I 2309 3273

To

The Reseflre of lrdia,tShrl ocH(rrGBA)l,Central ltultBAt.

COPYTO:

The Comptroller €rnd Auditor C'eneral of Indh, Bahadurshah Zafar Marg, Nev, Delhi-2.Controller @neral of Accounts, Lok tlayak Bhawan, tletfl Delhi-11c[03.Tbe Chief Contr<rller of Accounts,(l(nd Atln: Shri G.P. Gupta) Ministry of Finan@(OEA), North Bloclq Ner,v [email protected]. P Gopinath, EEputy Direcbr General (FS), DeparurEnt of Posts, Dak Bhawan, SansadIttarg, N€rv Delhi - 110001.Ms. Divya Malhotr?, Deputy Diredor GerEral (PAF), Departrnent of Posts, Dak Bhawan,.Sonsad Marg, tlew Delhi - 110001. The Accounung procedure in .esp€ct of tfteSCSS, as above, may be adopted by the Deparunent of Posts also on interim basis, fordassificatbn/acco unting of various transactions under the scheme, until the detaihdprocedure ls finallied.Principal / Finance Secretaries / Finance Commissioners of all state and UT Govemments /Mministrauons.Shri B. Mahapatra, CGM (IDMD), RBI, C.O., Mumbai.Shri Anil Bhattacharya, loint National Savings Commissioner, National Savings Institute.4b Floor, cco conplex, Serninary Hills, Nagpur-.l4o 006.Director, small Savings all State Cioremrnents / UTs.(with and without legishture).

1

23

4

5

5.

1

8.

9.10.11.

12.

Shri B. Shrinivas, (;eneral Manager, RBI (CAS), Nagpur.Shri P. Arvind, Regional Director, RBI (PDO), Nagpur.All Dealing Assistanb in NS.II Sertion.

(An ha Prasad)Director (Budget)

sB oRDER NO.2312004

F. No. 107-12002-SBGovemment of lndia

Minisfy of Communications & ITDepartment of Posts

(F.S. Division)

Datr:4.11.2004

To,All Heads of CircleVRegions,Addl. Dfu€ctor General,

-APS, New Delhi

Sub: -Loy of Surcherge on TDS on withdnwelr undcr NSS-87 from 01.(X.1999 to31,032001 rnd TI)S on conmircion peyeblc to rgentr from 01.05.2001 to Mrnch,2lX)2-

Sirfir,tadam,

A kind reference is invited to SB Order No. 24f2003 issued vide this Office letter no.107-ll2002-SB datd24.12.2003. The contents of the said SB ffier are being again reiteratedand should be scrupulously followed by all concemed.

2. Yide point no. 3 of the said SB fuer it was requested that information on thesubject above be sent to Directorate by 29.02.20M, which has not been fumishedas yet. It is again requested that the same be fumished positively bv 15.11.204.

3. This may be brougbt to the notice ofall concemed for informatiorL guidance andcompliance.

4. Reccipt of the letter may kindly be acknowledged.

Yours faithfirlly,

rlrr"*,\fr,,,Manisha MishraADG (BS&SC)

Copy to -l.)3.4.5.

6.

7.

8.

9.10.

Director of ,{udit, P&T, DelhiAll DirectorVDy. Directors of Accounts, PostalDirector, Postal Staff College, GhaziabadAll Principals, Postal Training CentresDDG (PGY DDC (VIG)AD(SB)/PC4nspection/PF/Vigilance/ Postal Accounts SectionAll recogrized Staff Unions & AssociationsAll Accounls Officers ICO (SB)Ministry of llinance @EA) NS-II section, North Block, New DelhiPS to Member (D)

SB ORDER NO.24NOO4

N0.79-E2004-FS (vol. QGovcmment of India

Ministry of Communicdions & ITDepartnent of Posts

(F.S. Division)

Data:29.11.2004

To,All Heads of Circles/Regions,Addl. Director Generl,-ats, New Oelhi

Sub: Implementetion of the Scnior Citizcn Sevirgr Scheme,2fi)4 (SCSS) tbrough publicsettor banks, ctc., - AMEIYDMENTS to the schemc rrgerding.

Sii/Madam,

In continuation with SB Order No. 22120f,4, tho undersigned has been directed to forwardherewith a bilingual printed copy of Ministry of Financc, DEA Notification G.S.R 706(E). datedthe 27h October 2fi)4.

2. It is requested that the contents of tbese notification and O.M. may be circulatedto all concemed for information, guidarrce and necessary action.

3. Khdly acknowledge rcc€ipt.

Yours faithfully,

$"/}ffi*Manisha Misilrh ' '

ADC @SASC)Encl: As above

Copy to -l.)3.

4.5.

6.7.

8.

9.

10.

Director of Audit, P&T, DelhiAll DirectoryDy. Dircctors of Accounts, PostalDirector, Postal Safr College, GhaaiabadAll Principals, Postal Training CentresDDG(PGyDDG(VrG)AD(SByPc/lnspection/PFA/igilanoe/ Postal Accounts SectionAll recogrized Staff Unions & AssociationsAII Accouns OfEcers ICO (SB)Ministry of Finance (DEA) NS-II scctiou North Block, New DelhiPS to Member@)

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4 TIIE GAZETTE OF INDIA : EXTRAORDINARY lPenr tl-Suc.3(i)l

" qqrorli-dn c',at} d Eflels

(.nq 3rt{ q{rtq al Td{ q+Gi.)" I

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MINISTRY OF FINANCE

(Department of Economic Affairs)

NOTIFICATION

New Delhi, the 27th October, 2004

G.s.R.7061E).- In exercise of the powers conferred by section 15 of the Government Savings BanksAct, 1873 ( 5 of 1873), the Central Government hereby makes the following rules to amend the Senior CitizensSavings Scheme Rules, 2004, namely:-

1. (1) These rules may be called the Senior Citizens Savings Scheme(Amendment) Rules, 2004.

(2) They shall come into forc,-, on the date of their publication in the Official Gazette.

2. In the Senior Citizens Savings Scheme Rules, 2004(hereinafter referred to as the said rules), in rule 2,-

(a) in clause (d), for sub-clause (ii), the following sub-clause shall be substituted, namely:-

'(ii) who has attained the age of 55 years or more but less than 60 years, and who has retired onsuperannuation or otherwise on the date of opening of an account under these rules, subject to thecondition that the account is opened by such individual within one month of the date of receipt of theretirement benefits and prool of date of disbursal of such retirement benefit(s) alongwith a certificate fromthe employer indicating the fact of retirement on superannuation or otheruise, retirement benefits,employment held and period of such employment with the employer is attached with the application form in

Form-A:

provided that the persons who have retired at any time before the commencement of these rules and

attained the age oi 55 years or more on the date of opening of an account under these rules, shall also

be eligible to iubscribe-unJer the scheme within a period of one month of the date of this notification,

subject to the fulfilment of other specified conditionsi

I qrqtr-qca (r)l Ill(ll 6I 1rgE' q€Fmq

'(e) 'DGporit Office" means,-

'Provided also that where bottt the spouses have opened separate accounts under the scheme, and eitherof the sporses dies during the cunency of the accoun(s) under the rheme, the acco.rn(s) standing in therEme of the deceased deposltor/spouse shall not be continued in accordance with ttre first proviso and suchacmunts shall be closed,".

5. In Form-A of the said rules,-

(i) in paragraph 2, in sub-paragcph (iv), for the word, brackets and figure "sub-rule (8)", the word, bracketsand ffgure "sutsrule (7)" shall be substihrted;

(ii) for Sre pemn/persons menfoned below paragraph 3, the following shall be substiMed, namety:-

*TABlfsl.No.

Narne(s)of the nominee(s)alongwlti rebfionship wlththe depositor

Perman€nt AddressDaE(s) of birth ofnomlnee(s) in caseof a minor/ age inother case(s)

Sharc of thenomine{s) in theamount payable.

(r) (2\ (3) (4) (s)

5

(i) any post office in India doing savings bank work and authorised by Director General posts, to open anaccount under these rules, or

(ll) an ffice or branch of a banking. company, or any other company or institution, authoriseC by tre CentralGo\,emment to receive subscriptions under the public provident Fund Scheme.,.

3. In rule 4 of the said rules, in sub-rule (t), the following shall be inserted at the en4 namely:-

.tProv]ded that deposits by depositors under sub-rule (ii) of rule 2, shall be restricted to $e r€tirementbenefits reeived by them or rupees fifteen lakh, whirlrever is lower,

Explana'Uonr For the purposes of ttis sutsrule, "retirement benefits" means any payment due to thedepositor on account of retirement whether on superannuation or odreruise anJ trioiG'irovioent runodues, retirement/superannuation gratuity, commrjted value of pension, ;.h A;ir.d:# bavg savingselement of Group Savjngs linked Isurance scheme payable uy emptoyer to tr; g;il6 on retjrementfretirement-cum-withdrawal benefit under the Employees' Family pmsion Scneme ana ex-gratipaymenb under a voluntary retirement or a special voluntlry retirement scheme.,,

4. In rule 7 of the said rula, in suFrule (4)i Yor the words "limit of depositf' the words "limit of balance" shallbe substituted.

5. In rule 8 of the said rules, in sub-rule (3), after the second provlso, the following proviso shall be inserted,namely:-

s of the nomi Signature/thumb impression of the nominee(s)(5) (7)"

s

3a._1 Al /o4-2

1

TI{E GAZETTE OF INDTA : EffRAORDINARY lPerr II-Sec. -?(i)l

7. In Fom-C of the said rules, for the person/persons mentioned below paragraph 1, the following shall be

su bstituted, namely:-"TABLE

sl. Name(s)of the nominee(s) i oatelsl oi birth ofNo. alongwith relationshlp with Pemanent Address nominee(s) in case

of a minor/ age inthe depositorother

6

Share of thenominee(s) in theamount payable.

s

3

s of the nomi s

8, In Form-E of the said rules, Under the heading RECEIPI, below the words "Signatureflhumb impression ofthe Deposito/', the following shal be inserted, namely:-

"Signature of in-charge of Deposit Office(Alongwith name and des)gnation stamp)".

9. In form'F of the said rules, under the heading RECEIPI fO BE SIGI{ED By THE Ct"AIilAI{(S), betowthe words "signatureflhumb impression of the claimant(s)", the following shall be inserted, namely:-

"Signature of in-charge of Deposit Office(Alongwith name and deignatjon. sramp)...

lE No.2-EmolLNg lP c. S|NGH, Undersecy.

No{e :-The senior citizens s avings schoJne Rules, 2004 wBre puuished in the Gazete of lndia (Exlraodinary)virenotification number (j.S.R. 490(E) dated the 2nd Augusl, 2OO l.

Signature/thumb impression of the nominee(s)(7)".

Prhted b! $! Y:.g:l.cg" of Indis pr.ss, sitls Ro.4 Mayrpuri, N.w D![rFllnd Pubiished by tle Conrrolcr ofpubtictlion3, Dclfii.ll0054

0064

(6)

(2) (4) (s)

Sir/lvladam,

The undersigned heq b€en directed to forward herewith a bilingual printed copy ofMinistry of Finance, DEA Notification G.S.R. 755@). dated the l9u November 2004.

sB oRDER NO.25n004

No.32-ll20O4-SBGovemment of India

Ministry of Communications & ITDepartnent of Posts

(F.S. Division)

Date:06.12.200,4

To,AII Heads of C i rcleJRegions,Addl. Director General, APS, New Delhi

Sub: Amendnent to Public Provident Fund Scheme l95E regerding.

2. It is requested that the contents of these notification and O.M. may be circulatedto all concemed for information, guidance and necessary action.

3. Kindly acknowledge rece ipt.

Yours faith-frrlly,

Manisha Mi.f;g,L61

ADG (BS&SC)

Encl: As above

Copy to -l2.3.4.5.

6.7.

8.

9.10.

Director of Aud'G P&T, DelhiAll Directors{Dl. Directors of Accounts, PostalDirector, Posal Staff College, GhaziabadAll Principals, l'ostal Training CentresDDG(PCyDDGMG)AD(SB/PG/Irupection/PFAr'igilanctr' Postal Accounts SectionAll recognized Staff Unions & AssociationsAll Accounts Ctfficers ICO (SB)Ministry of Firance @EA) NS-II section, North Block, New DelhiPS to Member @)

Youn faitffirlly,

th/'m*(Manisha MishrA) " I

ADG (BS & SC)

r&+fl+i"$ qe ssooazss RECD. I.IO. D. L. -3300,1199

s Fat

@h,e Gozette ofarl I

ErslqrulD(IRAORDINARY

qFI [-EqE 3-rrI-Uo:E (i)PART ll--Section }--SuFscction (i)

rfr6r * rtrfiEPUBIISEED BY AUTEORITY

fid a

Io

RN

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A.S. fk6, trer (fuq

3462 (i1t2004 (r)

1 TIIE GPZETIE OF INDIA :EXTP.AORDINAR\ [P.t ; II-Src 3(i.11

ftqq .-E+c q) qr,e:.ii. i135(.3r) tq 1s-6 1968 gm #irqfi" fuq1rs r4 et{ ql.fir.fr. 368(3r) tqt s-;:. qr.er.f< 217(31) rrfur 9 3 79, €r.islfi 271(3r) ts to-r-sr, qr'qT fi' s4(3r) rFlq 7-2-84, qr'6l Ii'ses(er) dr+q z:-o ae, qr.qlt. 1013(.3{) nrfrEI zo-e ao, qr.6l.fr l006(.3r) frq 23-12-87, nl.+l.ft. lg:(31) drtq2e-8-89, Hr.+T.fr.477(3t) fitE{ 25,s-e4, {I.sr.fr.489(q) Trfrs 6-7-99, ql,fl-ft..:oe(3I) mfrs e- t: zooo, qt.ot.fi.

679(or) tq4, 10-2002, rrr.6r fi. 76s(sr) its is-11-2002, qr.qt.ii. s8s(,q) r+rr 2s-7-2003 dh rrr,q,t..ii. 690(e[)

orfrq zz-e 2oo3 Er.[ Tir Frd fl6?nrql I

MINISTRY Otr FINANCf,

(DePartment of Econmic Affairs)

Ncu Delhj, thc l9th NoYembe! 2004

c.S.R 755(E).-l n cxerc rse of the powers corferred bv Sub-sectiol 4 ofScctior] 3 ol thc Public Provident liund.Act.l1)6ti (21 of I 96tl) the Central Covernment hereby makes thc following amordmeots furthcr to rncnd the Publio ProvidentF'und Schcme. 1968, mmcly -

I (1) This scheme rrnybecalled the Public Providcnt Fund (Amendment) Schemc.2004.

(2) h shdl corue r n1o forcc on lhc date of i1s publication in the OIIcial (;a7.c(tc.

2. I[thc PrDhc Providcnt Fund Scheme, 196E.-

@ in paragraph +, for sub-paragragh (4), the following sub-paragraph shall bc substitutcd. namely :-''(4) Everv s[ bscription shall be made rn cash or by crossed cheque or dratl or pav order in lil',,our ofthe

Accounts Oftice at the place at which that offrcc is situated."

(ii) in paragraph I 2, ztfter srlb-pa ragraph (6), tlrc following sub-paragraph shal I be i rNcrted, uaoroh :

''(7) A slbscr iber to the Fund cannol nominate a trust as his nomrnee."

lF. No. 7/ I l/20(li-NSJ II

P. C. SINGH, Under Sec\'.

Foot Note : Tlle schcme was uolihed urde G. S..R. I 136(E). dated 155-1968 and amcndcd vide G.S.R. 368(E) dar€d l-li-72.G.S.R.217(E) darcd 9-3-?9, G.S.R.2?l(E) &r€d l6-3-83, G.S.R srt(E) darcd 7-2-84, C.S.R 895(E) dal3d 2-r.G86.GSR l0l3(E) d, cd 20.8-!986, G.S.R l(xr,G), dated23-t2-1987, G.S.R 793(E) dat€d 29-1t-89. c.S R. 477(E), dated2-s-5-94, G.S.R :l8e(E), dared 6-7-99, C.S.R. 90rJ@) dared 6-12-2fi[, C.S.R (;79(E) dalcd 1-10-2002. G S R 76n(E)dlrcd l5-t I -2fi)2, c.s.R 585(E), dared2,s-7-2003 zurd G.s R. 690(E) d2red 27-8-2003.

l'rintc,l tr) the Manager, (;oq ol lndia I'ress, Rrnt Road, Mavapur;, ..Jew Dehi-11006{trn.l I'ublishcd hy rhe Conro er ot t,ubticak)ns. t)elhi-l t( 054.

As per the register of SB orders issued,

SB Order No. 26/2004 had not been issued.

SB ORDER NO. 27/2004

F. No. 111-14/2001-SB

Government of India ee Ministry of Communications & IT

Department of Posts

(F.S. Divi_ion), vn.S.

NR

629001 Date: 31.12.2004

To, All Heads of Circles/Regions,Addl. Director General, APS, New Delhi AKUN KUMARI N.NAGE

Sub: -Amendment to the PORD Rules, 1981-notification reg.

Sir/Madam,

The undersigned has been directed to forward herewith a copy of signed notification

issued by Ministry of Finance, vide letter no. F. No. 2/17/2004-NS-II dated December 27, 2004

on the above subject. Printed copies of the said notification will be supplied on receipt from

Ministry of Finance.

2. It is requested that the contents of this notification may be immediately circulated

to all concerned for information, guidance and necessary action.


d

6 Yours faithfully, -na

314

Manisha Miahra

u

05 ADG (BS&SC)

Culate 2/05

Director of Audit, P&T, Delhi

All Directors/Dy. Directors of Accounts, Postal

Director, Postal Staff College, GhaziabadAll Principals, Postal Training Centres

DDG (PG)y DDG (VIG) AD(SB)/PG/nspection/PF/Vigilance/ Postal Accounts Section

All recognized Staff Unions & Associations

All Accounts Officers ICO (SB)

Ministry of Finance (DEA) NS-II section, North Block, New Delhi

PS to Member (D)

al 1. 2. 3. 4. 5.

7. 8. 9. 10.

nd sO1-Ja000m Jt aMalurai -0 hR OI 05

ALL $ses, (Srds noutbhurm *eaarn (S hunalknanypn)Sn. Ao Asst. c: -'r -

3. TCo sB) Gramk. Rs, Madlwnou O/0. ' So

F. NO. 2/17/2004-NS-II GOVERNMENT OF INDIA MINISTRY OF FINANCE

DEPARTMENT OF ECONOMIC AFFAIRSs (BUDGET DIVISION)

/. No

NORTH BLOCK, CENTRAL SECRETARTAT NEW DELHI-110001, THE DECEMBER 27, 2004 R 27,200 TO

(Kind Attn: Mrs. P. Gopinath) The Deputy Director General(FS) Department of Posts, Dak Bhawan, Sansad Marg, NEW DELHI-110001.

Sub: Amendment to the PORD Rules, 1981- notification reg.

Madam,

I am directed to say that in order to lower the rate of interest, charged on the withdrawals taken under rule 14 of the Post Office Recurreing Deposit Rules, 1981, w. e. f. 1* January, 2005, the Government has amended the said rules vide notification of even number dated 27 December, 2004, sent for publication in the Gazette of India (Extraordinary) today (i.e. 27h December, 2004). A copy of the signed notification is enclosed for necessary action by Department of Posts immediately.

tes Dy. S DeteIi)-o

Printed copies of the said notification will be supplied on receipt from the Government Press, after publication in the Gazette of India.

Yours faithfully,

ueula

(P. C. s*NGH) UNDER SECRETARY To THE GOVERNMENT OF ÎNDIA

Tele: 2309 3035

Fax: 011-2309 2477/ 2511

PMG Lnrnnelial4

DMG

Encl: As above.

/lanuha

1.

Copy to: Joint National Commissignér, NSI, Nagpur-440 006.

w2 Chief Controller of A�counts, Ministry of Finance (DEA), New Delhi,

S (P.C. $INGH) UNDER SECRETARY TO THE GOVERNMENT OF INDTA

[TO BE PUBLISHE IN THE GAZETTE OF Part II section 3 5ub-section (i)] INDIA, EXTRAO ORDINARY,

Government of India Ministry of Finance

(Department of Economic Affairs)

Notification New Delhi, the... December, 2004.

G.S.R. (E) In exercise of the powers conferred by section 15 of the Government

SECRETARRER 27, 20 Savings Banks Act, 1873 (5 of 1873), the Central Government hereby makes the following rules further to amend the Post Office Recurring Deposit Rules, 1981, namely:

(1) These rules may be called the Post Office Recurring Deposit (Amendment) Rules, 1.

2004.

(2) They shall come into force on the date of their publication in the Official, Gazette.

2. In the Post Office Recurring Deposit Rüles, 1981, in rule 14, in sub-rule (3), after item

(e), the following item shall be inserted, namely: () For withdrawals made on or after 1st January, 2005 2 per cent. over and above

the interest rate applicable to the deposits made for a

period of five years under

the Post Office Time Deposit

Rules,1981, on the. date cí

withdrawal.".

No. F. 2/17/2004- NS.II

(P.C.Singi) Under Secretary to the Government of India.

The principal rules were published vide GSR 666 (E) dated 17th December, 1981

and amended vide GSR 301 (E) dated 1st April, 1982, GSR 258 (E).dated 11

March, 1983, GSR 62(E) dated 14" February, 1984, GSR 95 (E) dated 7" February,

1986, GSR 194(E) dated 13 February, 1986, GSR 363(E) dated 1st April, 1987,

GSR 39(E) dated 16" January, 1988, GSR 458(E) dated 15" April, 1988, GSR

708(E) dated 21s July,

dated 27" March, 1991, GSR 579(E) dated 12" September,, 1991, GSR 918(E)

dated 11" December, 1992, GSR 42(E) dated 1* February, 1993, GSR 587(E)

dated 2d September, 1993, GSR 2(E) dated 1 January, 1999, GSR 748(E) dated

4th November, 1999, GSR'44(E) dated 15t January, 2000, GSR 152(E) dated 1

March, 2001, GSR 160(E) dated 1s March, 2002, GSR 514(E) dated 23 July, 2002,

GSR 662(E), dated 23 September, 2002, GSR 175(E), dated 1s March, 2003 and

GSR 588(E), dated 25" July, 2003.

Note

1989, GSR 16(E) dated 9" January, 1990, GSR 190(E)

ao5

Copyb )Th Sntor esFrnaolnjigtto a

3) A Asps| Jps n ky oni 4)AtS PMs e:Rp Rlgs dtd at gl- h

6SFraou Natte )2)

CP The elSuSup.SeoNgl

w ,/).u, - India Post

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