Making Mobile Phone Number MANDATORY while opening of a new account in any of the P.O. Small Savings Schemes

SB Order No. 17/2017 

F. No. 25-11/2016-FS-CBS(Pt.1)

Government of India 

Ministry of Communication 

Department of Posts 

(F.S. Division) 

Dak Bliawan, New Delhi 

Dated: 23/10/2017 

To, 

All Heads of Circles 

Addl. Director General, APS, New Delhi 

Subject;- Making Mobile Phone Number MANDATORY while opening of a new account in any of the P.O. Small Savings Schemes- regarding. 

Sir/Madam, 

The undersigned is directed to say that in order to provide SMS services which are being  provided free of cost and also to protect investments of small savers from any attempted frauds, the competent authority has decided to make taking of MOBILE PHONE NUMBER of the customer MANDATORY for opening of any new account in any of the Small Savings Schemes in  all CBS enabled Post Offices.Frbm the date of receipt of this SB Order, in a Post Office working on CBS platform, when a customer attends post office for opening of new account under any of the Small Savings Schemes, the Counter PA has to request the customer to enter his/her MOBILE PHONE NUMBER in the Account Opening Form (AOF). 

2. While creation of new GIF, in CCRC menu, Mobile Phone number should be entered in the relevant field by the Counter PA and Supervisor should verify the same. 

3. If customer is already having a GIF and wants to open a new account, Counter PA and Supervisor should go to CMRC menu and see whether Mobile Phone number of the customer has already been entered in the relevant field using Inquire Option. If it is not, he should use the Modify Option and enter the Mobile Phone number of the customer in the relevant field before opening a new account. Supervisor has to verify this modification. 

4. In case the AOF is presented at a Branch Post Offices working under Account Office which is CBS enabled, BPM should accept AOF only if Mobile Phone number is entered by the customer at the relevant place. When AOF is received from a BO, Counter PA and Supervisor of Account Office should follow the procedure load down in point 2 and 3 above. 

Centre for Excellence In Postal 

Technology, Mysore

5. Counter PA and Supervisor will be responsible for entering correct Mobile Phone Number as mentioned in AOF. 

6. Further, all the existing accounts are also to be seeded with the mobile numbers of the concerned depositors. For this, special drive should be launched & wide publicity be made through print/electronic media/pamphlets, handbills etc. regarding the depositors/customers to get their mobile numbers linked/seeded with their respective accounts. 

7. It is requested that this SB order should be circulated to all CBS Post Offices. 

This issues with the approval of the Competent Authority. 

Copy for information & necessary action to;- 

1) DDG (FS)/DDG (VIG)/JS&FA/DDG (PAF)/DDG (RB)/DDG (Estt.)/DDG(PG & Inspections)/ DDG (PCO) 

2 ) Director (FS)/Director (CBS), Dak Bhawan. 

3) Director of Audit (P&T), Delhi. 

4) All Directors/Dy. Directors of Accounts, Postal 

5) Director, RAKNPA, Ghaziabad. 

6) All Directors, Postal Training Centres. 

7) Director CEPT Mysore for uploading the SB order on India Post Web Site. 

8) Dy. Director CEPT, DMCC/SDC O/o CPMG T.N Circle. 

9)AD /Inspection/PFA/tgifance 

10) All Accounts Officers ICO(SB) 

11) All recognized unions. 

12) MOF(DEA), NS-II, North Block, New Delhi 

13) Director, National Savings Institute (NSI), DeendayalUpadhya Marg, New Delhi near ITO. 

14) PS to Member (Banking & HR) 

15) PPS to Secretary Posts.

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Introduction of another Standardized Uniform Savings Bank Passbook (SB5A) for ID, NSC and KVP Accounts to be issued by CBS and non CBS post offices

SB ORDER NO. 10 /2017 

114-02/2002-SB(Pt,) 

Government of India 

Ministry of Communications & IT 

Department of Posts 

DakBhawan. Sansad Marg, 

New Delhi-110001. 

Date: 17 08,2017 

To, 

All Heads of Circles/Regions 

Addl, Director General, APS, New Delhi 

Subject;- Introduction of another Standardized Uniform Savings Bank Passbook (SB5A) for ID, NSC and KVP Accounts to be issued by CBS and non CBS post offices-regarding, 

Sir! Madam, 

The undersigned is directed to refer to this office letter of even number dated 16-4.2009. 

SB Order No.10/2012 dated 16.08,2012 and SB Order No.1/2014 dated 6,01.2014 on the subject vide Vi'hich instructions v*/ere issued for printing of Standardized Uniform Savings Bank Passbook (SB-5). On receipt of references from vartous field units regarding review of number of pages for printing of transactions after introduction of NSC/KVP Passbook from 01.07.2016 and for 1/2/3 and 5 Years TD accounts where few pages are required for entering transactions, the competent authority has taken the following decision:- 

(i) Circles should get two types of Standardized Uniform Pass books printed:- 

(a) with 9 Pages for printing transactions.(SB5) 

(b) with 4 pages for printing transactions.fSB5A) 

(ii) SB5A Pass books mentioned at (i)(b) above should be used for opening of 1/2/3 and 5 Years TD, NSC and KVP accounts. 

2 All CBS and Non CBS Post Offices shall maintain separate Stock Registers for both types of Passbooks as laid down in Rule 5 and 6 of POSB Manual Vol-l. Other instructions issued vide this office letter of even number dated 06 01.2014 will remain unchanged 

3. This issues in supersession of this office letter No. 61/01/2016-SB dated 11.08.2017 addressed to all heads of circles on the subject "Printing of small passbook (4 pages) instead of existing 36 pages passbook for savings certificates".It is requested that till stock of newly introduced Passbook (SB5A) is printed and made available to Post Offices, the existing passbook i.e SB5 will continue to be issued for TD/NSC and KVP 

4. This may kindly be circulated to all concerned 

This issues with the approval of competent authority 

Yoixs faithfully, 

Assistant Director (SB-1) 

Copy to:- 

1. DDG(FS)/DDG(V1G)/JS&FA/DDG(PAF)/DDG(RB)/DDG (Estt.)/DDG(PG & lnspections)/DDG (PCO) 

2, Director (FS)/Director (CBS), DakBhawan. 

3. Director of Audit (P&T) Delhi. 

4. Resident Audit Officer, Room No 517-8. DakBhawan. New Delhi. 

5. All Directors/Dy. Directors of Accounts. Postal 

6. Director, RAKANPA, Ghaziabad 

7. All Directors. Postal Training Centres 

8. Director PTC Mysore for uploading the SB order on India Post Web Site. 

9. Deputy Director (CEPT) O/o CPMG T N Circle Chennai 

10, AD /Inspection/PFA/igilance 

11. All Accounts Officers ICO(SB) 

12. All recognized unions. 

13. MOF(DEA), NS-II, North Block, New Delhi 

14. PS to Member (Banking) 

15. PPS to DG Posts. 

16. PPS to Secretary Posts. 

SB Order No. 11/2017 

No. 25-11,/20T6-FS-CBS 

Government of India 

Ministry of Communications 

(FS Division) 

DakBhawan, Sansad Marg 

New Delhi 110001. 

Dated; 04.09. 2017 

To, 

All Heads of Circles/Regions 

Addl. Director General, APs, New Delhi. 

Sufa:-Closing of accounts/certificates belonging to discontinued schemes including NSS-87 and NSS-92 in Post Office working on CBS platform- regarding 

Respected Sir/Madam, 

I am directed to refer to this office letter no. 25-11/2016-FS-CBS Dated 21.06.2016 (SB Order No.5/2016).In para 29 of the said SB Order it has been clearly mentioned that "Closing of any discontinued scheme account/certificate including NSS-87 or NSS-92 should be done at HO only and closure amount should be paid only by credit into savings account or by cheque. No cash payment should be made in such cases, Any depositor if approaches for closure of such account/certificates at any SO should be asked to approach HPO". 

2. It has been brought to the notice of this office that some HPOs are closing discontinued accounts/certificates including NSS-87 and NSS-92 accounts standing at other HPOs or SOs of other HPOs after using Transfer IN option. It is further directed that Head Post Offices should close only those discontinued accounts/certificates which are either standing at same HPO or SOs under that HPO only. 

3. It is requested to issue suitable instructions to all CBS Head Post Offices & ensure that the instruction mentioned in this SB Order are scrupulously followed by all concerned. 

This issues with the approval of competent authority.- 

Yours Sincerely, 

Assistant Director (SB-I) 

Copy for information & necessary action to:- 

1)DDG (FS)/DDG (VIG)/JS&FA/DDG (PAF)/DDG (RB)/DDG (Estt.)/DDG(PG & Inspections)/ DDG (PCO) 

2) Director (FS)/Director (CBS), Dak Bhawan. 

3) Director of Audit (P&T), Delhi. 

4) All Directors/Dy. Directors of Accounts, Postal 

5) Director, RAKNPA, Ghaziabad, 

6) All Directors, Postal Training Centres. 

7) Director CEPT Mysore for uploading the SB order on India Post Web Site. 

8) Dy. Director CEPT, DMCC/SDC O/o CPMG T.N.Circle. 

9) AD/Inspection/PFA/igilance 

10)Ail Accounts Officers ICO(SB) 

11)Alt recognized unions. 

12)M0F(DEA), NS-II, North Block, New Delhi 

13)Director, NSl, CGO Complex,'A'Wing, 4th Floor, Seminary Hills, Nagpur- 440006 

14)PS to Member (Banking & HR) 

15)PPS to Secretary Posts. 

SB ORDER NO. 13/2017 

F. No. 113-03/2017-SB 

Government of India 

Ministry of Communication & IT 

Department of Posts 

(F.S. Division) 

Dak Bhawan, New Delhi 

Dated: 03.10.2017 

To, 

All Heads of Circles 

Addl. Director General, APS, New Delhi 

Subject: Revision of interest rates for Small Savings Schemes. 

Sir/Madam, 

The undersigned is directed to say that vide their O.M. No. 1/04/2016-NS dated 29.09.2017, the Ministry of Finance. Department of Economic Affairs (Budget Division), New Delhi have informed that the rate of interest on various small savings schemes for the third quarter of financial year 2017-18 starting 1" October. 2017, shall remain unchanged from those notified for the second quarter of FY 2017-18. 

2. This is for information & necessary action by all concerned. 

3. This issues with the approval of Competent Authority. 

Yours faithfully 

Assistant Director (SB-I) 

Copy to;- 

1. (FS)/DDG{ViG)/JS&FA/DDG(PAF/DDG(RB)/DDG(Estt,)/DDG(PG & Insps.)/ DDG (PCO) 

2. Director (Tech) O/o Pr. CPMG T.N Circle. 

3. Director (FS)/Director (CBS), Dak Bhawan. 

4. Director of Audit (P&T), Delhi. 

5. All Directors/Dy. Directors of Accounts, Postal 

6. Director, Postal Staff College, Ghaziabad. 

7. All Directors, Postal Training Centres. - 

8. Director PTC Mysore for uploading the SB order on India Post Web Site. 

9. Dy.Director (CEPT) Chennai O/O CPMG T.N.Circle, Chennai for taking up changes in Sanchaya Post and Finacle with the FSI Vendor immediately. 

10. Dy.Manager FSI &RSI {CEPT)0/0 CPMG T N Circle Chennai. 

11. AD /Inspection/PF/Vigilance 

12. All Accounts Officers ICO(SB) 

13. All recognized unions. 

14, MOF(DEA), NS-II, North Block, New Delhi 

15, Director, NSI, CGO Com pi ex,'A'Wing, 4th Floor, Seminary Hills, Nagpur-440006 

16. PS to Member (T) 

17. PPS to Secretary Posts 

SB Order No.15/2017 

F.No.113-02/2015-SB 

Government of India 

Ministry of Communications & IT 

Department of Posts 

DakBhawan, Sansad Marg, 

New Dellii-110001. 

Date: 06.10.2017 

To 

All Heads of Circles/Regions 

Addl. Director General, APS, New Delhi. 

Subject:-Mandatory use of Savings Account for credit of maturity/premature value,monthly/quarterly/yearly interest in case of MIS/SCSS/TD accounts and investments from 1st December 2017-regarding. 

Sir / Madam, 

In view of Min. of Finance (DEA) O.M No. 1/3/2017-NS dated 03.08.2017 & 22.09.2017, the competent authority has taken the following decisions to be implemented in all CBS and non CBS Post Offices:- 

1. On closure of any account either on maturity or on premature (other than savings account), the closure amount shall be paid only by credit into a Post Office Savings Account from 1st December 2017. 

2. Monthly Interest/Quarterly Interest/Yearly Interest in respect of all MIS/SCSS and ID accounts shall also be paid only by credit into Post Office Savings Account from 1st December 2017. 

3. To implement above decisions, following steps need to be taken by all the circles/regions from the date of receipt of this letter:- 

(i) Special drive should be organized to contact existing depositors of RD/MIS/TD/SCSS/NSC/KVP/PPF/SSA through Postmen or through issue of notices or through advertisements in electronic/print media for LINKING of their Post Office Savings Account with their RD/MIS/TD/SCSS/NSC/KVP/PPF/SSA accounts for credit of closure/Interest value and AADHAAR NUMBER as well as MOBILE NUMBER with their CIF ID. 

(ii) Where customers are already having Post Office Savings account in post office, a mandate for credit of closure proceed and monthly/quarterly/yearly interest in case of MIS/SCSS and TD accounts should be taken alongwith a declaration. 

(iii) All customers of MIS/SCSS/TD who are attending post offices for taking payment of interest by cash should be told that from 1st December 2017, interest will not be paid by cash and request them to get their savings account limited for credit of Interest for the next time. 

(iv) If any such customer is not having Post Office Savings Account, he/she should be given option to open savings account with various add on facilities available with the Post Office Savings Account llke:- 

1. Benefit of Accidental Insurance of Rs.2 lakh with very small premium of Rs.12/- per year under PMSBY (Pradhan Mantri Suraksha BIma Yojana). 

2. Benefit of Life Insurance of Rs.2 lakh with very small premium of Rs.331/- per year under PI\/IJJBY(Pradhan Mantri Jeevan JyotI Bima Yojana). 

3. Benefit of opting for Atal Pension Yojana (APY). (Pradhan Mantri Suraksha Bima Yojana). 

4. Free ATM Card which can be used at any bank's ATM also. 

5. Internet banking and Mobile Banking facilities. 

6. Updating of Passbook at any CBS Post OfTice. 

7. Facility of issue of cheque books. 

(v) No new CIF should be created for these customers and Savings Account should be opened under existing CIF only. All different CIFs created during migration for a single customer (due to  multiple accounts) should be merged Into single CIF belonging to Savings Account. For those customers, who have already submitted their KYC documents after migration to CBS, no fresh KYC document should be asked for. 

(vi) From 1st December. 2017, no Postmaster Cheque should be issued against any closed account/certificate and if any depositor attends post office for closing of any account not having linked Post Office Savings Account by that date, a Basic Savings Account should be opened under the same CIF on the same day without asking for separate ACCOUNT OPENING FORM (AOF) by selecting SBBAS as scheme code and " For Credit of Closure/Interest Value of Small Savings Instruments" from the list of Welfare Schemes available in the dropdown in CBS and account should be closed and closure proceed should be credited to that account. Customer should be given Passbook of that Basic Savings Account. If customer requests,Insta ATM card should be issued immediately so that customer can withdraw the amount from any ATM as per his/her requirement. In case, customer wants to re-Invest any amount In any Small savings Scheme either directly or through SAS or MPKBY Agent and if account is not eligible for issue of cheque book or Cheque book is not available in stock,SB-7 i.e withdrawal Form filled by the customer should be treated at par with POSB Cheque (a non-cash transaction). 

(vii) All SAS and MPKBY Agents should be contacted to reach out to the existing customers for linking of their Post Office Savings Account with other Small Savings Scheme accounts. 

All BPMs should be directed to request all RD and TD Account holders to link their Post Office Savings Account as Repayment Account for credit of closure/Interest value into their savings account on due date and If any such account holder is not having Savings Account, he/she should be given option to open Post Office savings account and link it with their RD and TD Account. For linking of Savings Account, mandate forms should be sent to all BOs. On receipt of mandate forms from BOs, Accounts office should enter mandates in Finacle for the accounts standing in BOs. Physical mandate Forms should be kept in separate Guard Files by each SO and MO. 

4. It is requested to circulate this order to all CBS and non-CBS Post Offices and all Divisional Heads should be asked to start this drive Immediately on receipt of this order so that customers may not complain of not giving sufficient time to implement these decisions. 

Assistant Director (SB-I) 

Copy to: 

16) 1. DDG (FS)/DDG (V1G)/JS&FA/DDG {PAF)/DDG (RB)/DDG (Estt.)/DDG(PG & Inspections)/ DDG (PCO) 

17) Director (FS)/Director (CBS), Dak Bhawan. 

18) Director of Audit (P&T), Delhi. 

19) All Directors/Dy. Directors of Accounts, Postal 

20) Director, RAKNPA, Ghaziabad. 

21) All Directors, Postal Training Centres. 

22) Director CEPT Mysore for uploading the SB order on India Post Web Site. 

23) Dy. Director CEPT, DMCC/SDC O/o CPMG T.N.Circle.He should get new welfare scheme created in Finacle as well as Sanchaya post. 

24) AD /Inspection/PF/Vigilance 

25) All Accounts Officers ICO(SB) 

26) All recognized unions. 

27) MOF(DEA), NS-II, North Block, New Delhi 

28) Director, NSI, CGO Complex,'A'Wing, 4th Floor, Seminary Hills, Nagpur-440006 

29) PS to Member (Banking & HR) 

30) PPS to Secretary Posts.

Harassment of GDSs to achieve the targets for business development - Directorate Order

No.08-09/2017-SR

Government of India

Department of Posts

(SR Section)

Dak Bhawan, New Delhi

Dated  the 16th August 2017

One of the Unions has brought to the notice of SR&Legal Division of Department of Posts that Postal Circles are using coercive method achieve the targets for business development. In this connection, Circles are requested not to use the coercive methods as alleged by the Union. It would be better instead pressurizing the GDSs they are educated and motivated for the development of business.

Discontinuation of Commission under Pay Roll Savings Schemes

Instructions to the CBS Offices (HO&SOs)

This is regarding the change of role of SBCO in the backdrop of implementation of CBS vide SB order No,14/2015, dated 19-10-2015, the SBCO branch has doing all the SB works as per SB order

No, 14, such as receiving of all SOs voucher bundles directly from the Sub-Account and HO voucher

bundles from the DPM(SB) and day-to-day segregation of vouchers and preparation of all category

consolidations by downloading from online server of Finacle are being attended by the SBCO branch

as per Directorate orders,

Hence in this regard, it is directed to follow the below instructions scrupulously :

1, The counter PA must write the name of Scheme and TRAN ID on the right hand side of Voucher

in respect of all categories,

2, No transactions will be allowed without voucher, each and every transactions must supported by

relevant voucher and accounted through LOT and finacle consolidation,

3, One deposit slip and one withdrawal slip must be prepared for auto-credit of MIS/SCSS/TD to

Savings and savings withdrawal to RD and should be accounted through LOT and finacle

consolidation,

4, One deposit slip must be prepared for the total of each type of Agent Commission credited into Savings Accounts supported by consolidated list of commission paid,

5, One withdrawal slip must be prepared by APM/SPM for the POSB Cheque clearing amount (based

on the clearing amount intimated to Clearing House) and print out of cheque's image should be attached to it,

6, At the closing of counter hours, all vouchers should be serially arranged by TRAN ID and scheme-

wise by stitched/ sealed intact and each scheme of finacle consolidation should be accounted through

daily account /HO summary by Counter PA and SPM/APM ,

7, The grand total in Finacle Consolidations of each scheme must be tallied with the counter transactions as well as auto-crdit and auto-withdrawal,

8, A consolidation of the each scheme must be generated and print out of hard copies must be attached with the LOT along with the voucher bundle.

9, The APM/SPM must sign the finacle consolidation (scheme-wise) and must write the amount in

words and figures along with number of new deposits, other deposits, A/c closed and other wdl 

10, If any manual correction or Reversal adjustment are made in the LOT and Consolidation, it must be supported by relevant voucher and copy of error book by APM/SPM must be attached with the LOT and voucher ( one copy to be attached with the voucher & one copy with the consolidation and another copy to be sent to Divisional Office,

11, The entries in the vouchers are complete and there are no suspicious erasures and alterations and

the date stamp of the office has been affixed on the voucher,

12, At the time of closure, A/C Opening Form(SB-3/AOF) where KYC documents attached will not be transferred to SBCO along with closed voucher, and it should be kept in a guard file in HO/SO itself. But, the APM/SPM must write on the closed vouchers that "SB-3/AOF retained with KYC documents",

13, In case of subsequently opened accounts and not obtained any KYC due to whom KYC documents are available with the other Live A/C, in that case only SB-3 or AOF is to be attached with the closed voucher,

14, In case of Accounts closed at the Post Office other than the one where account was opened, Account Transfer Form (sb-lOb) collected by the Post Office at the time of closure and attached with

the closure voucher,

15, That in case of withdrawal exceeding Rs,5000/- in r/o all schemes, the signature of the depositor on the withdrawal form has been attested by two postal officials except in single handed offices,

16, The Agents and Employers RD bulk lists should be attached with the RD List of Transactions,

17, Where the New A/c Nos opened in r/o all categories, the new A/cs should be invariably underlined in RED INK in the LOT of all categories,

18, Normally Messenger service is not allowed for all Closure, ( Dte Order No 15/2010), When it is

specifically required, the Payment should be made to the messenger only through account payee

cheque drawn in favour of the depositor, after receiving the letter of authorization from the depositor,

19, Necessary certificate should be obtained both on the application and payment order side, while

making payment made to illiterate depositor. Witness should be obtained with full address,

20, Normally, the finacle user should not use back value date while doing transaction. Back value

date should be used only in case of deposits through clearing. If in case, back value date is to be used,

user should write in error book, take permission from next higher authority and copy of error book

should be attached with the voucher and LOT,

21, The BPM should not be accepted cash deposit transaction for more than Rs,25,000/- in any

account in a day,

22, The POSE Cheque for more than Rs,25000/- should not be accepted at other SOLs in a day,

23, The CBS Post Office should not be collected closed Pass Book of any scheme from the customer

and the closed passbook should not be sent to SBCO for checking,

Clarifications on different scenarios being faced or likely to be faced in CBS Post Offices

Clarifications on different scenarios being faced or likely to be faced in CBS Post Offices

1.Scenario:- When a certificate holders attend CBS Post Office from where Certificates were purchased for transfer of certificates to another CBS Post Office.

The Counter PA or Supervisor or Postmaster should politely request the Certificate holder that since CBS has been implemented in the office, where he wants to transfer certificates, there is no need for transfer of certificates as he/she, on maturity, can take payment from any CBS Post Office after giving fresh KYC documents.

2.Scenario:- When a Certificate holder attends any CBS Post Office to encash certificates either on maturity or for premature closure where certificates were purchased from other CBS Post Office.

The Counter PA should first go to HACLI and see that Certificates are genuine and stand in Finacle. He/She will verify signatures of the holder(s) on the certificates with that available in Finacle. Once, it is confirmed from the signatures that holder is genuine, holder should be asked to fill NC-32 and give fresh ID as well as Address Proof and Mobile number. After proper verification of KYC documents. Certificates first be transferred IN by using HACXFSOL.

Customer's new address and mobile number should be entered through account modification menu and it should be verified by Supervisor. Then payment should be made by crossed cheque or credit to savings account. Payment should not be made by cash in any case. If holder wants re-investment, closing proceeds should be transferred to Re-investment office account (0387) and credit re-invested amount into newly opened account/certificate. Remaining amount can either be credited to savings account or paid back by cheque.

If certificates belong to the period of pre-migration, an intimation of discharge should be sent to the office of issue by service registered post which will make discharge entry in the Purchase Application.

NC-32 and KYC documents should be sent to CPC of the office where payment is being made. CPC will scan the document and attach the same with CIF.

3.Scenario:- When any claimant presents certificates issued by another CBS Office alongwith claim application form for payment or transfer to claimant's name. 

In CBS environment, claim form can be submitted at any CBS post office. When such a claim is presented at any CBS post office, first of all, user has to enter date of death in the CIF and supervisor has to verify. Then procedure of settlement of deceased claim case has to be followed. After sanction of claim, if claimant wants payment, procedure mentioned in scenario 2 should be followed. If claimant wants to transfer of certificates in his/her name, open new CIF in his/her name based on new AOF(if no CIF is available in his/her name) and attach the existing Certificates (Accounts) with new CIF. Name of holder can be changed through menu HAALM.

In this case also. If certificates belong to the period of pre-migration, an intimation of discharge or sanction of claim should be sent to the office of issue by service registered post which will make discharge entry in the Purchase Application and attach sanction memo.

Claim Application Form and KYC documents of claimant and Account Opening Form (AOF) should be sent to CPC of the office where payment is being made or claim is sanctioned. CPC will scan the document and attach the same with CIF.

4. Scenario:- When Account Holder of MIS/SCSS/TD scheme approaches CBS Post Office, where account stands for transfer of accounts before maturity to another CBS Post Office.

The Counter PA or Supervisor or Postmaster should politely request the Account holder that since CBS has been implemented in the office, where he wants to transfer Accounts, there is no need for transfer of Accounts as he/she, on maturity, can take payment from any CBS Post Office after giving

fresh KYC documents. Whenever any account is closed at the office other than the office where account was opened, payment should not be made by cash in any case and payment should either be made by crossed cheque or credit to savings account (where required KYC documents have been taken). Monthly/quarterly or Yearly interest can also be withdrawn at any CBS PostOffice.

5.Scenario:- When Account Holder of MIS/SCSS/TD scheme approaches any CBS Post Office for taking interest or closing accounts.

The Counter PA should first go to HACLI and see that Account(s) are genuine and stand in Finacle. He/She will verify signatures of the holder(s) on the withdrawal Form or Account Closure Form with that available in Finacle. Once, it is confirmed from the signatures that holder is genuine, payment of interest should be made to the account holder as per process being followed for normal withdrawal. If account closure is requested, take SBlO(b) form, fresh ID  as well as Address Proof. After proper verification of KYC documents, Accounts(s) first tobe transferred IN by using HACXFSOL. Whenever any account is closed at the office other than the office where account was opened, in any case, payment should not be made by cash and payment should either be made by crossed cheque or credit to savings account (where required KYC documents have been taken) only.If holder wants re-investment, closing proceeds should be transferred to Re-investment office account (0387) and credit re-invested amount into newly opened account/certificate.

Remaining amount can either be credited to savings account or paid back by cheque.

SBlO(b) and KYC documents should be sent to CPC of the office where payment is being made. CPC will scan the document and attach the same with CIF.

6.Scenario:- When any claimant presents documents for preferring claim in respect of any MIS/SCSS/TD/RD/PPF account(s) stand at another CBS Office alongwith claim application form for payment or transfer of account (RD/TD/SCSS) in the name of claimant.

Deat should be noted in the relevant field in CIF of deceased depositor. Follow the procedure laid down for settlement of deceased claim case. After sanction of claim, follow the procedure mentioned in scenario 5 above. If claimant wants to transfer RD/TD/SCSS account in his/her name, open new CIF (based on new Account Opening Form (AOF)} in his/her name (if not already exists) and attach the existing Accounts with new CIF. Name of holder can be changed through menu HAALM.

Claim Application Form and KYC documents of claimant or Account Opening Form (AOF) should be sent to CPC of the office where payment is being made or claim is sanctioned. CPC will scan the document and attach the same with CIF.

7. Scenario:-A Certificate holder whose certificates stand at CBS post office wants payment of matured certificates at non CBS Post Office .

When a certificate holder attends non-CBS post office, he/she should be asked to submit application on plain paper in duplicate requesting payment at non-CBS post office and his/her contact number. He/she should be asked to submit original certificates duly signed on the back. The certificate holder should be identified with fresh KYC documents. Postmaster of the post office(Non CBS) will accept KYC documents on the application for payment under dated signatures and send original certificates and application for payment duly accepted under his dated signatures attesting holder's signaturewithdesignation stamp by service Insured Post to the Postmaster of CBS Post Office from where certificates were purchased. He will enter details of certificates and holder (including contact number) in a register to be maintained in manuscript.

When Insured is received at CBS Post Office, Postmaster will open the same and enter details of certificates and holder (including contact number) in a register to be maintained in manuscript. (CBS)Postmaster, after satisfying that Postmaster of Post Office(Non CBS) from where insured was received has attested signatures of holder on the application, will transfer original certificates to the CBS counter. Further process for discharge of certificates will be followed at the CBS Post Office. A crossed Postmaster cheque for the maturity amount will be prepared in the name of holder and handed over to the Postmaster. Entry of the cheque will be made in the same register and cheque will be sent by service Insured Post to the Postmaster of the Post Office(non CBS) from where certificates were received. Insured Letter number and receipt should be entered in the register and receipt will be pasted against the entry.

On receipt of Insured letter at the Post Office(non CBS) from where certificates were sent. Postmaster will open the Insured Letter, enter Insured Letter number and cheque number as well as date in the register against the entry which was made at the time of sending the certificates. Certificate holder should be called over phone to receive the cheque. When certificate holder attends post office, cheque should be handed over to him under receipt in the register against the relevant entry.

8. Scenario:- Application for transfer of certificates sent for verification by non CBS post office and on receipt of verification, post office migrated CBS.

The Postmaster will send such requests to the divisional head who will inform the certificate holder and arrange payment from the nearby non-CBS Post Office.

9.Scenario:- Advice of Transfer(AT) issued by a non CBS HO received at CBS HO or SO.

Account Holder should be contacted and requested to provide name of any nearby non CBS Post Office for opening of account. On getting such information, account will be opened on transfer in that office.

lO.Scenario:- An account holder applies for transfer of account to any other HO or SO at CBS or Non CBS Post Office. 

Postmaster or Sub Postmaster of SO/HO where transfer of account is applied will go to DMCC Chennai website to see list of CBS Post Offices and confirm that post office to which transfer is applied is not a CBS Post Office. If SO is completely manual and unable to see the list, it will be the duty of HO that before issue of AT, list should be consulted and if that post office is already in the list of CBS Post Offices, AT should not be issued. Account holder should be contacted and asked to submit name of any nearby non CBS post office.  

11. Scenario:- A Certificate holder of CBS Post Office, lost certificates and wants to get duplicate certificates issued.

In such cases, certificate holder can apply for issue of duplicate certificates only at the CBS post office from where, certificates were issued. Process of issue of duplicate certificates should be started and completed by that CBS Post Office only.

(Procedure)

l.Move the inventory of Duplicate Certificates (if available) of same scheme to the user id from which duplicate certificate is getting printed. Otherwise, fresh certificates will be taken from the existing inventory. 

2. GO to HDUDRP and provide details like account number /cif id for which certificate is getting printed. 

3. HDUDRP will take the current inventory i.e either normal or duplicate certificates which is available with the user.

4. If certificates are actually printed through printer, the user is able to see DUPLICATE on the certificates. If certificates are not printed then a Rubber Stamp of "Duplicate" should be placed on the certificates where normal certificates are used.

5. After this, new certificate number will be available under the account number. Use NSCAM menu to confirm that new certificate numbers are replaced with lost certificates.

6. If the any holder/customer come with old certificates, while closure, system will not those certificates in the closure menu .

7. Old certificate number will not be reflected in the system and user can't be able to close the account.

12.Scenario:- An account holder of a CBS post offices wants to get duplicate Passbook issued.

Duplicate Passbook can be issued by any CBS Post Office after following the laid down procedure of issue of duplicate Passbook. 

13. Scenario:-lnter CBS Post office Transactions (INTERSOL TRANSACTIONS)

In CBS environment, transactions can be initiated in any CBS Post Office. Any depositor of Savings, RD, ID, MIS, SCSS, PPF or Certificates can initiate transaction either Financial or Non-Financial at any CBS Post Office. Transaction will appear in the Report No.19 i.e Common Counter Wise Transactions Report-Inter Branch of the office where transaction is initiated.

Amount of the transaction would also appear in Consolidation of the same office. No transaction would appear in the office where account/certificate stands. Extra care should be taken at the time of such transactions. In respect of withdrawal from savings Account for more than for Rs. 50,000/-, it should be allowed only if required KYC documents of the account holder (s) have been taken. In respect of accepting deposits, no extra care is required to be taken. As regards, payment of maturity value of MIS/RD/SCSS/TD/PPF/Certificates, payment should be made by crossed cheque or credit to Savings Account (where appropriate KYC documents have been taken). Non Financial transaction means modification in account or CIF. This can also be initiated at any CBS Post Office but it should be supported by documentary proof. This document and application for modification (to be taken on A4 size paper) should be sent to concerned CPC where modification is being done for scanning and attaching to CIF. Please ensure that all Financial or Non Financial Transactions should be verified by Supervisor/SPM at the same office and same time when initiated.

14. Scenario:- A customer wants to do re-investment of matured amount in CBS post office.

In case, depositor wants re-investment from one scheme's maturity value to another scheme, total maturity value+interest should be credited/deposited under Office Account 0387 and then amount to be invested should be debited/withdrawn from this account and credited/deposited in the concerned

new account. Remaining amount can be paid by cash/cheque from this account to the customer.

One Supervisor/SPM should take print out of the ledger copy of this office account by invoking HACLPOA or Office Account LOT and cross verify all debits and credits with corresponding re-investment entries in the LOTs on daily basis. Supervisor has to ensure that balance at the end of each day in this account is Zero i.e against all the credits entered for re-investment, amount should be debited from this account and concerned accounts are credited or remaining amount is paid.

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