Sukanya Samriddhi Account Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 914(E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme,  namely:-

1. Short  title  and  commencement.–

(1)  This  Scheme  may  be  called the Sukanya  Samriddhi  Account Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1)  In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;

(b) “account holder” means a girl child in whose name the account is held;

(c) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);

(d) “birth certificate” means birth certificate issued by the municipal authority or any office authorised to issue birth and death certificate by the Registrar of Births and Deaths or the Indian Consulate as defined in clause (d) of sub-section (1) of section 2 of the Citizenship Act, 1955 (57 of 1955);

(e) “family” means a unit consisting of a person and his spouse (both or either of whom are alive or deceased) and their children, adopted or otherwise;

(f) “financial year” means the period commencing on the  1stday of April and ending on the 31stday of March of the following year;

(g) “Form” means forms appended to this Scheme;

(h) “General Rules” means the Government Savings Promotion General Rules, 2018;

(i) “maturity” means maturity of an account on completion of a period of twenty-one years from the date of its opening.

(2) Words and the expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and the General Rules.

3. Opening of account.-

(1) The account may be opened by one of the guardian in the name of a girl child, who has not attained the age of ten years as on the date of opening of the account.

(2) Every account holder shall have a single account under this Scheme.

(3) The application in Form-1 for opening an account shall be accompanied by birth certificate of the girl child in whose name the account is to be opened, along with required documents of guardian.

(4) An account under this Scheme may be opened for a maximum of two girl children in one family:

Provided that more than two accounts may be opened in a family if such children are born in the first or in the second order of birth or in both, on submission of an affidavit by the guardian supported with birth certificates of the twins/triplets regarding the birth of such multiple girl children in the first two orders of birth in a family:

Provided further that the above proviso shall not apply to girl child of the second order of birth, if the first order of birth in the family results in two or more surviving girl children.

4. Deposits.-

(1) The account may be opened with a minimum initial deposit of two hundred and fifty rupees and in multiples of fifty rupees thereafter and subsequent deposits shall be in multiples of fifty rupees subject to the condition that a minimum of two hundred and fifty rupees shall be made as deposit in a financial year in one account.

(2) The total amount deposited in an account shall not exceed one lakh fifty thousand rupees in a financial year:

Provided that the deposit in excess of one lakh fifty thousand rupees in any financial year, if accepted due to any accounting error, shall not be eligible for any interest and be returned immediately to the depositor.

(3) Deposits may be made in the account till the completion of a period of fifteen years from the date of opening of the account.

(4) An account in which minimum amount as specified in sub-paragraph (1) has not been deposited shall be considered as an account under default:

Provided that an account under default may be regularised any time till completion of a period of fifteen years from the date of opening of account on payment of a penalty of fifty rupees for each year of default along with the minimum annual deposit in respect of the defaulted years.

(5) In case of an account under default, if not regularised within the time specified under sub-paragraph (4), then the whole deposit, including the deposits made prior to the date of default, shall be eligible for interest at the rate applicable to the Scheme till closure of the account.

5. Interest on deposit.-

(1) Deposits in the account shall earn interest at the rate 8.4 per cent per annum.

(2) The interest shall be calculated for the calendar month on the lowest balance in the account between the close of the fifth day and the end of the month. The interest shall be credited to the account at the end of each financial year and any amount of interest in fraction of a rupee shall be rounded off to the nearest rupee and for this purpose any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(3) Interest shall be credited at the end of the financial year irrespective of the change of the account office due to transfer of the account during the financial year.

6. Operation of account.-

(1) The account shall be operated by the guardian till the account holder attains the age of eighteen years. The account shall be operated by the account holder herself after attaining age of eighteen years by submitting necessary documents.

7. Premature   closure   of   account.-

(1)    In    the    event    of    death    of    the    account    holder, the account shall be closed immediately on application in Form-2, on production of death certificate issued by the competent authority and the balance at the credit of the account and interest due thereon till the date of death shall be paid to the guardian.

(2) Interest for the period between the date of death of the account holder and date of closure of the account shall be paid at the rate applicable on Post Office Savings Account for the balance held in the account.

(3) Where the accounts office is satisfied that in case of extreme compassionate grounds such as medical support in life-threatening diseases of the account holder or death of the guardian that the operation or continuation of the account is causing undue hardship to the account holder, it may, after complete documentation establishing the grounds for such closure, by order and for reasons to be recorded in writing, allow premature closure of the account. Outstanding balance in the account with interest due as applicable to the Scheme shall be paid to the account holder or guardian, as the case may be:

Provided that no premature closure of an account under this sub-paragraph shall be made before completion of five years from the date of opening of the account.

8. Withdrawal.-

(1) On an application in Form-3, withdrawal of upto a maximum of fifty per cent. of the amount in the account at the end of the financial year preceding the year of application for withdrawal, shall be allowed for the purpose of education of the account holder:

Provided that such withdrawal shall be allowed after the account holder attains the age of eighteen years or has passed tenth standard, whichever is earlier.

(2) The application for withdrawal under sub-paragraph (1) shall be accompanied by documentary proof in the form of a confirmed offer of admission of the account holder in an educational institution or a fee-slip from such institution indicating such financial requirement.

(3) The withdrawal under sub-paragraph (1) may be made in one lump sum or in instalments, not exceeding one per year, for a maximum of five years, subject to the ceiling specified in sub-paragraph (1):

Provided that the amount of withdrawal shall be restricted to the actual requirement on account of fee and other charges required at the time of admission as shown in the offer of admission or the relevant fee-slip issued by the educational institution.

9. Closure on maturity.-

(1) The account shall mature on completion of a period of twenty-one years from the date of its opening.

(2) The closure of the account may also be permitted before completion of twenty-one years if the account holder on an application makes a request for such closure for the reason of intended marriage of the account holder on furnishing of a declaration duly signed on non-judicial stamp paper attested by the notary supported with proof of age confirming that the applicant will not be less than eighteen years of age on the date of marriage:

Provided that no such closure shall be allowed before one month from the date of the intended marriage or after three months from the date of marriage.

(3) On an application in Form-4 by the account holder, the balance outstanding along with interest as applicable under paragraph 5 shall be payable to the account holder.

10. Application of General Rules.-

Provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provisions have been made in this Scheme.

11. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to the account holder, it may, by order and for reasons to be recorded in writing, relax the requirement of that provision or provisions in respect of such account holder, in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018-NS (Pt. I)]

RAJAT KUMAR MISHRA, Jt. Secy.

Sukanya Samriddhi Account Scheme PDF

The post Sukanya Samriddhi Account Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Grant of Cycle Maintenance Allowance after rationalisation of categories of Gramin Dak Sevaks

No.17-31/2016-GDS
Government of India
Ministry of Communications
Department of Posts
(GDS Section)

Dak Bhawan, Sansad Marg
New Delhi — 110001
Dated: 05.12.2019

To

The Chief PMG Delhi Circle, New Delhi

Sub:- Grant of Cycle Maintenance Allowance after rationalisation of categories of Gramin Dak Sevaks on implementation of GDS Committee Report.

Sir,

I am directed to refer to DPS(O & HQ) DO letter no.Estt/R-275/Pt.II dtd 11.09.2019 on the above noted subject and to inform you that, the matter has been examined by this Directorate.

2. Further, I am therefore directed by the Competent Authority to inform you that, after rationalization of all categories of GDS on implementation of GDS Committee report, all the categories of GDS posts who erstwhile called as Mail Carrier/Mail Deliverer etc. have been brought under the category of ABPM/Dak Sevaks. But nature of work/duties of these categories have not been changed. Hence, Cycle Maintenance Allowance may be granted to those ABPM/Dak Sevaks only, who use their own cycle for Out door duty, Mail Collection, Delivery, Conveyance etc.

(S.B.Vyavahare)
Assistant Director General (GDS/PCC)
Tel. No. 011-23096629
Email-adggds[at]indiapost.gov.in

Copy to:-
All Chief Postmasters General(Except Delhi Circle)/Post Masters General

Source: Grant of Cycle Mainteance Allowance to GDS

The post Grant of Cycle Maintenance Allowance after rationalisation of categories of Gramin Dak Sevaks appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Bank is responsible to obtain Periodical Certificates from Pensioner/Family Pensioner: CPAO.

भारत सरकार GOVERNMENT OF INDIA
वित्‍त मंत्रालय MINISTRY OF FINANCE
व्‍यय विभाग DEPARTMENT OF EXPENDITURE
केन्‍द्रीय पेंशन लेख कार्यालय CENTRAL PENSION ACCOUNTING OFFICE
त्रिकूट-II भीकाजी कामा प्‍लेस TRIKOOT-1, BHIKAJI CAMA PLACE,
नई दिल्‍ली NEW DELHI-110066

CPAO/IT&Tech/Life Certificate/2 Vol-V/2019-20/ 159

Dated 13.12.2019

OFFICE MEMORANDUM

Attention is invited to Para 3 (xix) of OM No.1(7)/DCPS(NPS)/2009/TA/221 dated 02.07.2009 and subsequent corrigendum No. 1(7)/DCPS(NPS)/2099/TA/295 dated 27.05.2013 issued by O/o the Controller General of Accounts, Department of Expenditure, Ministry of Finance for submission of the requisite certificates by the Pensioners/Family Pensioners covered under NPS-Additional Relief Scheme (NPS-AR) wherein it is mentioned that

“The Pension Account Holding Bank will be responsible for obtaining periodical certificates such as Life Certificate, Re-employment Certificate, etc. (as prescribed in CPAO’s Scheme for “Payment of Pensions to Central Government Civil Pensioners through Authorised Banks”) and intimating electronically to CPAO on due dates. (Life Certificate should be obtained on 1st November each year and intimation uploaded on CPAO’s website.) Drawing of pensions/family pension will be subject to the receipt of Life Certificate by CPAO”.

2. This office is receiving Grievances from Pensioners/Family Pensioners covered under NPS-AR wherein it is stated that some Pension Account Holding Banks are not receiving periodical certificates such as Life Certificate, Re-employment Certificate, for onward transmission to CPAO electronically (through email) on due dates which results in delay in crediting the pension into the pensioner’s account by CPAO.

3. All the Heads of CPPCs/Government Business Departments are requested to direct the concerned Branches of their Bank to obtain the requisite certificates, i.e. as Life Certificate, Re-employment Certificate, etc from the pensioners and intimate electronically (through email) to CPAO on due dates for making timely payment of pension and family pension to pensioners under NPS-AR Scheme.

This issues with the approval of the Chief Controller (Pensions).

Md. Shahid Kamal Ansari
(Dy. Controller of Accounts)

To,

1. Heads of CPPCs of all Authorized Banks
2. Heads of Government Business Divisions of all Authorised Banks

Read Orders/OM issued by CPAO

Source: Click here to view/download the PDF

The post Bank is responsible to obtain Periodical Certificates from Pensioner/Family Pensioner: CPAO appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Clarification: 7th CPC officiating pay under FR-35 in lieu of Charge Allowance to Indian Railway

GOVERNMENT OF INDIA
MINISTRY OF RAILWAYS
(RAILWAY BOARD)

No. PC-VII/2017/1/7/5/8

New Delhi, dated: 10.12.2019

The General Managers,
All Zonal Railways & PUs

(As.per standard mailing list)

 Sub: Clarification on restriction of Officiating Pay under FR-35 (Rule 1329 IREC Vol. II) in the context of RS(RP) Rules, 2016.

Subsequent to adoption of Department of Personnel & Training’s OM No. 1/4/2017- Estt.(Pay-I) dated 28.02.2019 regarding restriction  of  Officiating  Pay  under  FR-35  (Rule 1329 !REC Vol. II) in the context of RS(RP) Rules, 2016 in lieu of Charge Allowance. vide Board ‘s letter RBE No. 127/2019 dated 08.08.2019, clarification has been sought by various Railways on  issues related  to·FR-35.

2. With respect to above, it is stated that issues related to restriction of Officiating Pay are under examination  in consultation with concerned  Directorate(s). Detailed clarification shall be issued in due course.

(Jaya Kumar G)
Dy. Director, Pay Commission-VII
Railway Board

Connected Order: 7th Pay Commission officiating pay under FR-35 in lieu of Charge Allowance to Indian Railway Officer: RBE No. 127/2019

Source: Railway Board [http://www.indianrailways.gov.in/railwayboard/uploads/directorate/pay_comm/PC7/Restriction_Officiating_Pay_101219.pdf]

The post Clarification: 7th CPC officiating pay under FR-35 in lieu of Charge Allowance to Indian Railway appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

7th Pay Commission: DNI under Rule 10 of Railway Services (Revised Pay) Rules, 2016 – Opportunity to re-exercise the option

GOVERNMENT OF INDIA (BHARAT SARKAR)
Ministry of Railways (Rail Mantralaya)
(Railway Board)

The General Manager/CAOs(R),
All Indian Railways & Production Units,
(As per mailing list)

Sub: Date of next increment under Rule 10 of Railway Services (Revised Pay) Rules, 2016 – regarding.

Consequent to implementation of 7th CPC recommendations, various doubts have arisen over the issue of Date of Next Increment (DNI) in case of an employee promoted or granted financial upgradation including upgradation under MACP on 1st July, 2016, whose pay was fixed on 01.07.2016 in terms of the rules governing fixation of pay on promotion.

2. Clarification on the above issue was provided by Ministry of Finance/Department of Expenditure vide their OM No. 4-21/201 7-IC/E.III(A) dated 31.07.2018 which was adopted in Railways vide letter No. PC-Yl l/2017/R-I/7 dated 31.08.2018 (RBE No. 126/2018).

3. In continuation to above, Ministry of Finance/Department of Expenditure vide their OM No. 4-21/2017-IC/E .IIIA dated 28.11.2019 (copy enclosed) has provided further clarifications on the following issues:-

Issue No. 1: Whether after promotion on 1st July and fixation of pay with two increments, the date of next increment will be 1st January or 1st July.

Issue No. 2: Accrual of next increment in case of regular promotion /financial up-gradation of an employee on any date other than the date of annual increment and option for fixation of pay is exercised under FR 22(I)(a)(1).

(Note: Department of Personnel & Training vide their OM No. 13/02/2017-Estt.(Pay-I) dated 27.07.2017 provided clarification on availability of option for fixation of pay on promotion from the Date of Next Increment (DNI) in the lower post and method of pay fixation from DNI, if opted for in context of CCS(RP) Rules, 2016. The same was adopted in Railways vide Board’s Letter No. PC-VII/2016/I/6/2 dated 31.07.2017 (RBE No. 79/201 7).

4. The clarifications issued by Ministry of Finance/Department of Expenditure as mentioned above shall be applicable mutatis mutandis in Railways too with respect to Railway Services (Revised Pay) Rules, 2016.

5. The ‘one month’ period mentioned in para 7 of aforesaid OM dated 28.1 1.2019 of Ministry of Finance, Department of Expenditure shall be one month from the date of issue of these instructions.

Encl.: As above

(Jaya Kumar G)
Deputy Director, Pay Commission-VII
Railway Board

Enclosure: 7th Pay Commission: Date of next increment under Rule 10 of CCS(Revised Pay) Rules, 2016- Clarifications by Fin Min dated 28.11.2019

Source: RBE_212_2019 Click here to view/download

[http://www.indianrailways.gov.in/railwayboard/uploads/directorate/pay_comm/PC7/RBE_212_2019.pdf]

The post 7th Pay Commission: DNI under Rule 10 of Railway Services (Revised Pay) Rules, 2016 – Opportunity to re-exercise the option appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

The post Know Your Retirement Benefits – Rectification of error about date of applicability for pension appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

National Savings (Monthly Income Account) Scheme, 2019 – Gazette Notification

NOTIFICATION
New Delhi, the 12th December, 2019

G.S.R. 917(E).— In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the National Savings (Monthly Income Account) Scheme, 2019.

(2) They shall come into force on the date of their publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;

(b) “account holder” means an individual in whose name the account is held;

(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;

(e) “General Rules” means the Government Savings Promotion General Rules, 2018;

(f) “year” means a period of twelve months commencing from the date of deposit in the account.

(2) Words and expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and in the General Rules.

3. Opening of account.-

(1) The account may be opened by making an application in Form-1 by-

(i) a single adult;

(ii) upto a maximum of three adults in joint names;

(iii) a minor who has attained the age of ten years;

(iv) a guardian on behalf of a minor or a person of unsound mind.

(2) An individual may open and operate one or more than one account as a single account or a joint account under this Scheme subject to the ceiling of maximum deposit limit as prescribed in sub-paragraph (2) of paragraph 4. For the purpose of maximum deposits specified under sub-paragraph (2), the account holder’s share in the balance of a joint account shall be taken as one half or one third of such balance as if the account is held by two adults or three adults.

4. Deposits and withdrawals.-

(1) The account shall be opened with a minimum deposit of one thousand rupees or any sum in multiple of one thousand rupees and there shall be only one deposit in an account.

(2) A maximum of rupees four lakh fifty thousand rupees can be deposited in a single account, account opened under clause (iii) and (iv) of paragraph 3 and nine lakhs rupees in a joint account.

(3) Deposits in all the accounts taken together for an individual shall not exceed four lakh fifty thousand rupees in a single account and nine lakh rupees in a joint account.

5. Interest on deposit.-

(1) The deposit made under this Scheme shall bear interest at the rate of 7.6 per cent. per annum.

(2) Interest shall be payable to the account holder on completion of a month from the date of deposit.

(3) If the interest payable every month is not claimed by the account holder such interest shall not earn any additional interest.

(4) Interest shall be rounded off to nearest multiple of one rupee and for this purpose any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(5) Where a deposit in excess to the ceiling specified under sub-paragraph (2) of paragraph 4 has been made, the accounts office shall refund the excess deposit to the account holder immediately.

(6) The excess amount referred to in sub-paragraph (5), shall carry an interest at the rate applicable from time to time to the Post Office Savings Account and shall be payable to such depositor on such amount.

(7) The interest referred to in sub-paragraph (6) shall be admissible from the date of deposit of the excess amount till the end of the month preceding the month in which the deposit has been refunded.

(8) If the date of payment of monthly interest falls on Sunday or a holiday, the payment shall be deemed to be due on the business day immediately preceding that Sunday or a holiday.

(9) If the deposit is made on 29th, 30th and 31st of a month and if these dates do not come in the following month, the payment of monthly interest shall be made on the last date of the following month and if such last day is a holiday, monthly interest shall be paid on the preceeding day.

6. Premature closure of account.-

The account holder may be permitted to withdraw the deposit and close the account at any time after expiry of a period of one year from the date of opening of such account by making an application in Form-2, subject to the conditions that,-

(i) if the account is closed on or before the expiry of three years from the date of opening of such account, an amount equal to two per cent. of the deposit shall be deducted and the remainder shall be paid to him; and

(ii) If the account is closed after the expiry of three years from the date of opening of such account, an amount equal to one per cent. of the deposit shall be deducted and the remainder shall be paid to him.

7. Closure of account.-

(1) The deposit made at the time of opening of the account and the interest accrued thereupon, shall be paid by the accounts office after completion of five years from the date of the opening the account to the account holder on an application in Form-3.

(2) In case the account holder dies before the maturity of the account, the account may be closed and the deposit shall be refunded as per provisions of the General Rules, alongwith interest upto the month preceeding the month in which refund is made.

8. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provision have been made in this Scheme.

9. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to the depositor, it may by order, for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018-NS (Pt. I)]

RAJAT KUMAR MISHRA, Jt. Secy.

National Savings (Monthly Income Account) Scheme PDF

The post National Savings (Monthly Income Account) Scheme, 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Senior Citizens Saving Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 916(E).—In exercise of the powers conferred by section 3A and section 15 of the Government Savings Promotion Act,1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the Senior Citizens’ Savings Scheme, 2019.

(2) It shall come into force on date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;

(b) “account holder” means an individual in whose name the account is held;

(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;

(e) “General Rules” means the Government Savings Promotion General Rules, 2018;

(f) “year” means a period of twelve months commencing from the date of deposit in the account.

(2) Words and expressions used herein but not defined shall have the meanings assigned to them in the Act and the General Rules.

3. Opening of account.-

(1) An individual fulfilling the following conditions may open an account by making an application in Form-1 to the accounts office, namely:-

(i) who has attained the age of sixty years on the date of opening of the account; or

(ii) who has attained the age of fifty-five years or more but less than sixty years, and who has retired on superannuation or otherwise on the date of opening of an account under this Scheme, subject to the condition that the account is opened by such individual within one month of the date of receipt of the retirement benefits and proof of date of disbursal of such retirement benefit(s) along with a certificate from the employer indicating the details of retirement on superannuation or otherwise, retirement benefits, employment held and period of such employment with the employer, is attached with the application form:

Provided that the retired personnel of Defence Services (excluding Civilian Defence employees) shall be eligible to open an account under this Scheme on attaining the age of fifty years subject to the ful filment of other specified conditions.

(2) The successor or legal heir of a deceased serving personnel shall not be eligible to deposit the terminal benefits of such deceased personnel under this Scheme.

(3) An account holder may operate more than one account under this Scheme subject to the condition that the deposits in all the accounts taken together shall not exceed the maximum limit as specified under paragraph 4.

(4) An individual may open an account in individual capacity, or jointly with spouse.

(5) In case of a joint account, the age of the first account holder shall be considered to determine the eligibility to open the account and there shall be no age-limit for the second applicant.

(6) The whole amount of deposit in a joint account shall be attributable to the first account holder only.

(7) Both the spouses can open single account and joint accounts with each other with the maximum deposit of upto fifteen lakhs rupees in each account provided both are individually eligible to open the account.

4. Deposit.-

(1) The account shall be opened with a minimum deposit of one thousand rupees or any sum in multiples of one thousand rupees not exceeding fifteen lakh rupees:

Provided that the deposits in the account specified under clause (ii) of sub-paragraph (1) of paragraph 3, shall be restricted to the retirement benefits received, or fifteen lakh rupees, whichever is lower.

Explanation.- For the purposes of this sub-paragraph, “retirement benefits” means any payment due to the account holder on account of retirement on superannuation or otherwise and includes Provident Fund dues, retirement or superannuation gratuity, commuted value of pension, cash equivalent of leave, savings element of Group Savings Linked Insurance Scheme payable by the employer on retirement, retirement-cum- withdrawal benefit under the Employees’ Family Pension Scheme and ex-gratia payments under a voluntary or a special voluntary retirement scheme.

(2) There shall be only one deposit in the account.

(3) Where a deposit in excess to the ceiling specified under sub-paragraph (1) has been made, the accounts office shall, refund the excess deposit to the account holder immediately.

5. Interest on deposit.-

(1) The deposit made under this Scheme shall bear interest at the rate of 8.6 per cent. per annum.

(2) Interest shall be payable from the date of deposit to 31st March/30th June/30th September/31stDecember on first working day of April/July/October/January, as the case may be, in the first instance and thereafter interest shall be payable on first working day of April/July/October/January as the case may be.

(3) If so authorised by the account holder, interest payable on the due dates as specified in sub-paragraph (2), shall be credited to the account holder’s savings account.

(4) If the interest payable every quarter is not claimed by an account holder, such interest shall not earn additional interest.

(5) Any amount of interest in fraction of a rupee shall be rounded off to the nearest rupee and for this purpose, any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(6) The excess amount referred to in sub-paragraph (3) of paragraph 4, shall carry interest at the rate applicable from time to time to the Post Office Savings Account and such interest shall be payable from the date of deposit of excess amount to the date of refund.

(7) In case of an account extended after maturity under sub-paragraph (1) of paragraph 8, the deposit in such account shall earn interest at the rate applicable to the Scheme on the date of maturity.

(8) Interest at the rate applicable to the Post Office Savings Account shall be payable on deposits in the account which are not extended as per provision of paragraph 8 or closed on maturity or extended maturity.

(9) The interest for any period less than a quarter (as specified under the Scheme) shall be calculated as per the following formula:-
Number of days in the period x Interest for the quarter Total number of days in the quarter

(10) If the interest is not claimed on the due date, it can be claimed on any date after the due date.

6. Premature closure of account.-

(1) The account holder may withdraw the deposit and close the account at any time on an application in Form-2 subject to the following conditions, namely:-

(i) In case, the account is closed before one year after the date of opening of account, interest paid on the deposit in the account shall be recovered from the deposit and the balance shall be paid to the account holder.

(ii) In case the account is closed after the expiry of one year but before the expiry of two years from the date of its opening, an amount equal to one and a half per cent. of the deposit shall be deducted and the balance shall be paid to the account holder.

(iii) In case the account is closed on or after the expiry of two years from the date of its opening, an amount equal to one per cent. of the deposit shall be deducted and the balance shall be paid to the account holder.

(2) The account holder availing the facility of extension of account under sub-paragraph(1) of paragraph 8, may withdraw the deposit and close the account at any time after the expiry of one year from the date of extension of the account without any deduction.

(3) In case of premature closure, interest on the deposit shall be payable upto the date preceding the date of premature closure after deduction of penalty as specified in sub-paragraph(1).

(4) Multiple withdrawals from an account shall not be permitted.

7. Closure of account.-

(1) The deposit made at the time of opening of the account shall be paid on or after the expiry of five years or after the expiry of eight years where account was extended under paragraph 8 from the date of the opening of the account, on an application in Form-3.

(2) In case of death of the account holder before maturity or extended maturity, the account shall be closed and deposit refunded on an application in Form-3 along with interest as applicable to this Scheme till the date of the death of the account holder, to the nominee or the legal heirs, as the case may be:

Provided that interest on the deposits in the account shall earn interest at the rate applicable on Post Office Savings Account from the date of death of the account holder till the date of final closure of the account:

Provided further that in case of a joint account, or where the spouse is the sole nominee, the spouse may continue the account on the same terms and conditions as specified under this Scheme, if the spouse meets eligibility conditions under the Scheme on the date of death of the account holder.

(3) Where both the spouses have opened separate account or accounts under this Scheme and either of the spouses dies during the currency of such account or accounts, then such account or accounts standing in the name of the deceased account holder shall not be continued in accordance with the first proviso of sub- paragraph (2) and shall be closed.

8. Extension after maturity.-

(1) The account holder may extend the account for a further period of three years by making an application in Form-4 within a period of one year from the date of maturity.

(2) The extension of the account under sub-paragraph (1) shall be deemed to have been made from the date of maturity irrespective of the date of application.

(3) Extension of an account under sub-paragraph (1) shall be available only once.

(4) The account holder may close the account any time after one year from the date of extension of account without any deduction under sub-paragraph (1) of paragraph 6.

9. Application of General Rules.-

The provisions of General Rules shall, so far as may be, apply in relation to matters for which no provisions have been made in this Scheme.
10. Power to relax.- Where the Central Government is satisfied that the operation of any of the provisions in this Scheme causes undue hardship to the account holder, it may, by order, for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018-NS (Pt. I)]

RAJAT KUMAR MISHRA, Jt. Secy.

Senior Citizens Saving Scheme 2019 PDF

The post Senior Citizens Saving Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Public Provident Fund Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 915(E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the Public Provident Fund Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account under this scheme;

(b) “account holder” means an individual in whose name the account is held;

(c) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;

(e) “General Rules” means the Government Savings Promotion General Rules, 2018;

(f) “year” means the financial year.

(2) Words and expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and in the General Rules.

3. Limits of number of accounts.-

(1) An individual may open an account by making an application in Form-1.

(2) An individual may also open one account on behalf of each minor or a person of unsound mind of whom he is the guardian:
Provided that only one account shall be opened in the name of a minor or a person of unsound mind by any of the guardian.

(3) Joint account shall not be opened under this Scheme.

4. Limits of subscription.-

(1) A deposit which shall not be less than five hundred rupees and not more than one lakh fifty thousand rupees in multiple of fifty rupees may be made in an account in a year.

(2) Maximum limit of one lakh fifty thousand rupees as specified in sub-paragraph (1) by an individual shall be inclusive of the deposits made in his own account and in the account opened on behalf of the minor.

5. Manner of making deposit.-

(1) The account shall be opened with a minimum initial deposit of five hundred rupees and thereafter deposit of any sum in multiples of fifty rupees shall be made.

(2) The deposit in the account subject to the limits mentioned in paragraph 4 may be made in the account in one lump sum or in instalments.

6. Discontinuation of account.-

(1) Any account in which the account holder, having deposited five hundred rupees in the initial year, fails to deposit the minimum amount in the following years, shall be treated as discontinued.

(2) An account treated as discontinued under sub-paragraph (1), may be revived during its maturity period on payment of a fee of fifty rupees along with arrears of minimum deposit of five hundred rupees for each year of default:
Provided that the balance in a discontinued account not revived by the account holder before its maturity shall continue to earn interest at the rate applicable to the Scheme from time to time.

(3) The account holder of a discontinued account shall not be eligible to open a new account before closure of such discontinued account after maturity:
Provided that the facility of loan and partial withdrawal shall not be allowed in such an account and the account holder shall be prohibited from opening another account in his name under this Scheme till final closure of such account.

(4) Facility of loan and partial withdrawal shall be allowed to regular accounts only as per the provisions of this Scheme.

(5) The total deposit in a year as specified in paragraph 4, shall be inclusive of deposits made in respect of years of default of the preceding years but excluding the default fee.

7. Interest.-

(1) Interest at 7.9 per cent. per annum shall be eligible for a calendar month on the lowest balance at the credit of an account between the close of the fifth day and the end of the month.

(2) Interest shall be credited to the account at the end of each year.

(3) Interest shall be credited at the end of the year irrespective of the change of the account office due to transfer of the account during the year.

8. Loans.-

(1) At any time after the expiry of one year from the end of the year in which the initial subscription was made but before expiry of five years from the end of the year in which the initial subscription was made, the account holder may, apply in Form-2, to the accounts office for obtaining a loan consisting of a sum of whole rupees not exceeding twenty-five per cent. of the amount that stood to his credit at the end of the second year immediately preceding the year in which the loan is applied for.

(2) In case of an account opened on behalf of a minor or a person of unsound mind, the guardian may apply for the loan for the benefit of the minor or the person of unsound mind by submitting the following certificate to the accounts office, namely:-
“Certified that the amount sought to be withdrawn is required for the use and welfare of Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of unsound mind/ a person incapable of operating his account due to physical infirmity and is alive on this……the day of…………..(month), ……….(year).”.

(3) An account holder shall not be entitled to get a fresh loan so long as earlier loan has not been repaid in full together with interest thereon.

(4) An account holder shall be entitled for only one loan in a year.

9. Repayment of loan and interest.-

(1) The principal amount of a loan shall be repaid by the account holder before the expiry of thirty-six months from the first day of the month following the month in which the loan is sanctioned:

Provided that the repayment may be made either in one lump sum or in instalments.

(2) After the principal amount of the loan is fully repaid, the account holder shall pay interest thereon in not more than two monthly instalments at the rate of one per cent. per annum of the principal for the period commencing from the first day of the month following the month in which the loan is drawn upto the last day of the month in which the last instalment of the loan is repaid:

Provided that where the loan is not repaid, or is repaid only in part, within a period of thirty-six months, interest on the amount of loan outstanding shall be charged at six per cent. per annum instead of at one per cent. per annum with effect from the first day of the month following the month in which the loan was obtained, to the last day of the month in which the loan is finally repaid.

32 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II—SEC. 3(i)]

(3) The interest on the amount of loan outstanding under the proviso to sub-paragraph (2) and any portion of interest payable, but not paid, on any loan, the principal amount of which has already been repaid within the period of thirty-six months, may, on becoming due, be debited to the holder’s account.

(4) The interest recoverable shall accrue to the Central Government.

(5) The interest on outstanding loans which are not paid before the expiry of thirty-six months or paid partly shall be debited to the holder’s account at the end of each year.

(6) In case of death of the account holder, the nominee or legal heir shall be liable to pay interest on the loan availed by the account holder but not repaid before his death. Such amount of due interest shall be adjusted at the time of final closure of the account.

10. Withdrawal from account.-

(1) Any time after the expiry of five years from the end of the year in which the account was opened, the account holder may, avail withdrawal by applying in Form-2, from the balance to his credit, an amount not exceeding fifty per cent. of the amount that stood to his credit at the end of the fourth year immediately preceding the year of withdrawal or at the end of the preceding year, whichever is lower:
Provided that the amount of loan outstanding, if any, along with interest shall be paid by the account holder before availing the facility of withdrawal under this paragraph:

Provided further that the facility of withdrawal may be availed only once in a year only from the accounts which have not become discontinued.

(2) In case of an account opened on behalf of a minor, or a person of unsound mind, the guardian may apply for the withdrawal for the benefit of the minor or a person of unsound mind by submitting the following certificate to the accounts office, namely:-
“Certified that the amount sought to be withdrawn is required for the use and welfare of Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of unsound mind/ a person incapable of operating his account due to physical infirmity and is alive on this……the day of…………..(month), ……….(year).”.

11. Closure of account or continuation of account without deposits after maturity.-

(1) Any time after the expiry of fifteen years from the end of the year in which the account was opened, the account holder may apply in Form-3 to the accounts office for the closure of his account. The accounts office shall allow the withdrawal of the entire balance along with due interest up to the last day of the month preceding the month in which the account is closed.

(2) The account holder may retain his account after maturity without making any further deposits for any period and the balance in the account will continue to earn interest at the rate applicable to the Scheme:
Provided that the account holder may make one withdrawal, in each year, of any amount within the balance.

(3) Once the account is continued without deposits for more than a year, the account holder shall not have the option again to continue the account with deposits.

12. Extension of account with deposits after maturity.-

(1) Subject to the provisions of paragraph 11, the account holder on the expiry of fifteen years from the end of the year in which the account was opened, may extend his account and continue to make deposit under paragraph 4 for a further block period of five years by applying to the accounts office in Form-4.

(2) The option of extension of account under sub-paragraph (1) shall be made by the account holder before expiry of one year from the maturity of the account:
Provided that an account opened on behalf of a minor or a person of unsound mind may be extended at the request of the guardian.

(3) No deposits can be made in the account, if the account holder fails to give his option to continue the account within one year from the date of maturity. Any deposit made in such account shall be treated as irregular and refunded by the accounts office immediately without any interest:

Provided that the balance in the account on the date of maturity shall continue to earn interest upto the end of the month preceeding the month of closure.

(4) Facility of partial withdrawal under paragraph 10 of the Scheme shall be available to the account extended under sub-paragraph (1), subject to the condition that the total withdrawal during the block period of five years shall not exceed sixty per cent. of the balance at credit at the commencement of the block period:
Provided that the withdrawal, subject to the ceiling as specified above may be made either in a single or in yearly instalments.

(5) Provisions of sub-paragraphs (1) to (4) shall also apply on accounts after maturity on expiry of the each extended block period of five years.

(6) If the account is continued with deposits for one or more five block periods, the account holder may leave the account without deposits on completion of any block period and the account shall continue to earn interest till it is closed and the account holder may make one withdrawal every year from the account.

(7) An account holder who has given his option for the extension of the account for a period of five years shall not have the option to withdraw his request at a later stage.

13. Premature closure of account.-

(1) An account holder shall be allowed premature closure of his account or the account of a minor or person of unsound mind of whom is the guardian on an application to the accounts office in Form-5, on any of the following grounds, namely:-

(a) treatment of life threatening disease of the account holder, his spouse or dependent children or parents, on production of supporting documents and medical reports confirming such disease from treating medical authority;

(b) higher education of the account holder, or dependent children on production of documents and fee bills in confirmation of admission in a recognised institute of higher education in India or abroad;

(c) on change in residency status of the account holder on production of copy of Passport and visa or Income- tax return:
Provided that an account under this Scheme shall not be closed before the expiry of five years from the end of the year in which the account was opened:

Provided further that on such premature closure, interest in the account shall be allowed at a rate which shall be lower by one per cent. than the rate at which interest has been credited in the account from time to time since the date of opening of the account, or the date of extension of the account, as the case may be.

14. Closure of account on death of the account holder.-

(1) In the event of the death of the account holder, the account shall be closed and the nominee or the legal heir shall not be allowed to continue the account.

(2) The balance in the account of the deceased account holder shall earn interest till the end of the month preceeding the month in which the eligible balance is paid to the nominee or the legal heir, as the case may be.

15. Protection of credit balance from attachment.-

Amount standing to the credit of any account holder shall not be liable to attachment under any order or decree of any court in respect of any debt or liability incurred by the account holder.

16. Application of General Rules.-

Provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provisions have been made in this Scheme.

17. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to an account holder, it may, by order for reasons to be recorded in writing, relax the requirements of that provision or provisions in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018-NS (Pt. I)]

RAJAT KUMAR MISHRA, Jt. Secy.

Public Provident Fund Scheme 2019 Gazette Notification PDF

The post Public Provident Fund Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

सीजीएचएस सेवाओं का विस्‍तार 100 शहरों में किया जाएगा  : डॉ. हर्षवर्धन

पत्र सूचना कार्यालय
भारत सरकार
स्वास्थ्य और परिवार कल्याण मंत्रालय

19-दिसंबर-2019 16:03 IST

डॉ. हर्षवर्धन ने सीजीएचएस लाभार्थियों को विकासपुरी, नई दिल्‍ली में सीजीएचएस डिस्‍पेंसरी समर्पित की

सीजीएचएस सेवाओं का विस्‍तार 100 शहरों में किया जाएगा  : डॉ. हर्षवर्धन

केन्‍द्रीय स्‍वास्‍थ्‍य एवं परिवार कल्‍याण मंत्री डॉ. हर्षवर्धन ने कहा है कि सीजीएचएस सेवाओं का विस्‍तार अब 100 शहरों में किया जाएगा। डॉ. हर्षवर्धन ने पश्चिम दिल्‍ली के सांसद श्री प्रवेश साहेब सिंह वर्मा की उपस्थिति में विकासपुरी, नई दिल्‍ली में सीजीएचएस की एक नई डिस्‍पेंसरी का उद्घाटन करते हुए यह बात कही। केन्‍द्रीय स्‍वास्‍थ्‍य मंत्री ने कहा कि वर्तमान में यह योजना 329 एलोपैथिक स्‍वास्‍थ्‍य केन्‍द्रों और 86 आयुष केन्‍द्रों के जरिए 72 शहरों में चल रही है। इस सेवा का 12.09 लाख प्राथमिक कार्डधारक और 35.72 लाख लाभार्थी लाभ उठाते हैं, जिनमें से 17 लाख लाभार्थी दिल्‍ली/एनसीआर के 2.5 लाख से अधिक लाभार्थी 75 वर्ष और उससे अधिक उम्र के हैं। करीब 58 प्रतिशत सीजीएचएस लाभार्थी एक वर्ष में कम से कम एक बार सीजीएचएस सुविधाओं का लाभ उठाते है।

डॉ. हर्षवर्धन ने कहा कि 2014 के बाद 72 शहरों में सीजीएचएस तंदुरूस्‍ती केन्‍द्रों की संख्‍या पूर्व की संख्‍या 30 से बढ़ायी गई है, जिससे पता लगता है कि सरकार कर्मचारियों के स्‍वास्‍थ्‍य और उनकी तंदुरूस्‍ती के लिए विशेष रूप से प्रतिबद्ध है। जल्‍दी ही सीजीएचएस का विस्‍तार इटानगर, कन्‍नूर और कोझीकोड़ शहरों में भी किया जाएगा। उन्‍होंने कहा कि हाल ही में मंत्रालय विभिन्‍न साझेदारों को लाभार्थियों और अन्‍य से प्राप्‍त जानकारियों और सुझावों को काम में लाया है, ताकि सीजीएचएस केन्‍द्रों के जरिये स्‍वास्‍थ्‍य सेवाएं देने के काम में सुधार लाया जा सके। 80 वर्ष की आयु से अधिक लाभार्थियों के लिए सीजीएचएस केन्‍द्रों के डॉक्‍टर महीने में कम से कम एक बार उनके स्‍वास्‍थ्‍य के बारे में पूछताछ करते हैं/यदि 5 किलोमीटर के दायरे में रहते हों, तो घर में जाकर देखते हैं।

केन्‍द्रीय स्‍वास्‍थ्‍य मंत्री ने कहा कि यह स्‍वास्‍थ्‍य क्षेत्र में सरकार की प्रतिबद्धता की झलक है कि एम्‍स की संख्‍या अब बढ़कर 21 हो गई हैं। इस समय 6 एम्‍स कार्य चल रहे हैं। उन्‍होंने बताया कि 157 मेडिकल कॉलेज स्‍थापित करने की दिशा में कार्य प्रगति पर है। ये मुख्‍यत: देश के आकांक्षापूर्ण जिलों में स्‍थापित किये जा रहे हैं, ताकि इन क्षेत्रों के लोगों को बेहतर स्‍वास्‍थ्‍य सुविधाएं प्रदान की जा सकें और उन्‍हें लंबी दूरी तय करके नहीं जाना पड़े। डॉ. हर्षवर्धन ने सरकार के ‘ईट राइट इंडिया’ और ‘फिट इंडिया’ अभियानों की चर्चा की। जिनका उद्देश्‍य बीमारी की रोकथाम और सकारात्‍मक स्‍वास्‍थ्‍य की तरफ ध्‍यान देना है, जो आयुष्‍मान भारत स्‍वास्‍थ्‍य और तंदुरूस्‍ती केन्‍द्रों का आधार है। उन्‍होंने कहा कि ये दुखद है कि दिल्‍ली के लोग आयुष्‍मान भारत पीएमजेएवाई के अंतर्गत बहुमूल्‍य तृतीय स्‍वास्‍थ्‍य सेवाओं से वंचित हैं, जिससे पैनल वाले 19,000 से अधिक अस्‍पतालों के जरिए देश के विभिन्‍न भागों के 69 लाख से अधिक लोगों को लाभ मिला है। डॉ. हर्षवर्धन ने कहा कि पीएमजेएवाई की अनुपस्थिति में जरूरतमंद और गरीब लोगों ने इससे पहले इतनी बेहतर स्‍वास्‍थ्‍य सेवा की कल्‍पना भी नहीं की थी।

केन्‍द्र सरकार स्‍वास्‍थ्‍य सेवा योजना (सीजीएचएस) केन्‍द्र सरकार के कार्यरत/सेवानिवृत्‍त कर्मचारियों और उनके परिवार के आश्रित सदस्‍यों के लिए अंशदायी स्‍वास्‍थ्‍य सेवा है। इस योजना की शुरूआत दिल्‍ली में 1954 में की गई थी। यह लाभार्थियों को समग्र स्‍वास्‍थ्‍य सुविधाएं प्रदान करती है, जिसमें सीजीएचएस के चिकित्‍सा अधिकारियों और विशेषज्ञों से ओपीडी परामर्श, औषधि, सरकारी और पैनल वाले निजी अस्‍पतालों में जांच, विशेषज्ञों से परामर्श तथा सरकारी और पैनल वाले निजी अस्‍पताल में भर्ती होकर इलाज की सुविधा है।

इस अवसर पर विशेष सचिव (स्‍वास्‍थ्‍य) श्री संजीव कुमार, संयुक्‍त सचिव (स्‍वास्‍थ्‍य) श्री आलोक सक्‍सेना के साथ मंत्रालय और सीजीएचएस के अन्‍य वरिष्‍ठ अधिकारी भी मौजूद थे।

PIB

The post सीजीएचएस सेवाओं का विस्‍तार 100 शहरों में किया जाएगा  : डॉ. हर्षवर्धन appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

सीमा पर तैनात प्रत्येक जवान कम से कम सौ दिन परिवार के साथ व्‍यतीत कर सके: केंद्रीय गृह मंत्री श्री अमित शाह

पत्र सूचना कार्यालय
भारत सरकार
गृह मंत्रालय

19-दिसंबर-2019 15:00 IST

श्री अमित शाह ने कहा कि श्री नरेंद्र मोदी की सरकार इस बात का प्रयास कर रही है कि सीमा पर तैनात प्रत्येक जवान कम से कम सौ दिन परिवार के साथ व्‍यतीत कर सके

• सशस्‍त्र सीमा बल यह सुनिश्चित करे कि अनुकूल पड़ोसियों के साथ भारत की सीमाओं का देश के खिलाफ गतिविधियों के लिए दुरुपयोग न हो: श्री अमित शाह  
• चुनाव लोकतंत्र का महोत्‍सव, शांतिपूर्ण मतदान कराने में सशस्‍त्र सीमा बल के जवानों की भूमिका महत्‍वपूर्ण – श्री अमित शाह
• नशीले पदार्थों की तस्‍करी हो या वामपंथी उग्रवाद सभी को रोकने में सशस्‍त्र सीमा बल ने महत्‍वपूर्ण भूमिका निभाई है: श्री अमित शाह

केंद्रीय गृह मंत्री श्री अमित शाह ने सशस्त्र सीमा बल की 56वीं वर्षगांठ के मौके पर आयोजित कार्यक्रम में कहा कि सशस्त्र सीमा बल ने सदैव निष्ठा के साथ कार्य किया है और देश के सामने अनेकों आंतरिक चुनौतियों के समय इस बल के जवानों ने प्राणों की चिंता किए बगैर देश में शांति व्‍यवस्‍था स्‍थापित करने में अपना अतुलनीय योगदान दिया है । श्री अमित शाह ने कहा कि जब भी भारत की एकता और अखंडता का इतिहास लिखा जाएगा सशस्त्र सीमा बल का नाम स्वर्ण अक्षरों में लिखा जाएगा । उन्होंने कहा कि सीमा सुरक्षा बल ने विशिष्ट भौगोलिक परिस्थितियों में रहते हुए नागरिकों को एक इकाई के रूप में जोड़ने का काम किया है। श्री शाह का कहना था कि चाहे मित्र राष्ट्र की सीमाएं हों, नक्सल प्रभावित क्षेत्र हो या कश्मीर में तैनाती, हर समय इस बल के जवान राष्ट्र के लिए बलिदान को तैयार रहते हैं।

श्री अमित शाह ने शहीद नीरज क्षेत्री को याद करते हुए कहा कि झारखंड में शहीद इस जवान की शहीदी आने वाली पीढ़ियों के लिए प्रेरणा का स्रोत बनेगी।  उन्‍होंने यह भी बताया कि श्री नरेंद्र मोदी सरकार ने शहीद जवानों की याद में पुलिस स्मारक बनाया है जो पुलिस की वीर गाथा कहने के लिए तैयार किया गया है|

श्री अमित शाह का कहना था कि आज विश्‍व में आवागमन सरल होने से जो देश भारत में शांति नहीं देखना चाहते वह तरह-तरह के कुप्रयास करते रहते हैं किंतु सशस्‍त्र सीमा बल के जवान उनके मंसूबों को नाकाम करते रहते है । नशीले पदार्थों की तस्‍करी हो या वामपंथी उग्रवाद सभी को रोकने में सशस्‍त्र सीमा बल ने महत्‍वपूर्ण भूमिका निभाई है। उन्‍होंने भारत-नेपाल सीमा का जिक्र करते हुए कहा कि कई बार विदेशी नागरिकों को इस सीमा से घुसपैठ करते हुए सशस्‍त्र सीमा बल के जवानों ने पकडा है।

श्री शाह ने कहा कि प्राकृतिक आपदा में सशस्‍त्र सीमा बल के जवानों का सकारात्‍मक योगदान होता है। उनका यह भी कहना था कि चुनाव लोकतंत्र का महोत्‍सव होता है जिसमें शांतिपूर्ण मतदान कराने में इस बल के जवानों की महत्‍वपूर्ण भूमिका होती है और विभिन्‍न मौकों पर सशस्‍त्र सीमा बल के जवानों का मानवीय चेहरा लोगों को जोडने का काम करता है। सशस्‍त्र सीमा बल पहला ऐसा सुरक्षा बल है जिसमें वर्ष 2007 में महिलाओं को शामिल किया गया और वह कंधे से कंधा मिलाकर महिला शक्ति को प्रेरणा देने का काम कर रही हैं।

श्री अमित शाह ने कहा कि श्री नरेंद्र मोदी की सरकार इस बात का प्रयास कर रही है कि प्रत्येक जवान जो सीमा पर तैनात है, अपने परिवार के साथ कम से कम सौ दिन व्‍यतीत कर सके ।

****

डा.वीजी/एसएनसी/डा.डीडी

https://pib.gov.in/newsite/PrintHindiRelease.aspx?relid=84275

The post सीमा पर तैनात प्रत्येक जवान कम से कम सौ दिन परिवार के साथ व्‍यतीत कर सके: केंद्रीय गृह मंत्री श्री अमित शाह appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

वित्‍त मंत्री ने विभिन्‍न ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों के साथ बजट पूर्व विचार-विमर्श किया

पत्र सूचना कार्यालय
भारत सरकार
वित्त मंत्रालय

19-दिसंबर-2019 13:06 IST

वित्‍त मंत्री ने विभिन्‍न ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों के साथ बजट पूर्व विचार-विमर्श किया

केन्‍द्रीय वित्‍त और कॉरपोरेट कार्य मंत्री श्रीमती निर्मला सीतारमन ने आगामी आम बजट 2020-21 के सम्‍बन्‍ध में विभिन्‍न ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों के साथ आज नई दिल्‍ली में बजट पूर्व पांचवा विचार-विमर्श किया।

बैठक के दौरान ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों ने श्रम और रोजगार से जुड़े मुद्दों के सम्‍बन्‍ध में अपने विचार और सुझाव साझा किए। बैठक में वर्तमान श्रम बल के कौशल विकास, नया हुनर सिखाने और अतिरिक्‍त हुनर देने के बारे में भी चर्चा की गई। इसके अलावा नौकरियों के सृजन की गुणवत्‍ता और कामगारों की न्‍यूनतम मजदूरी सुनिश्चित करने के बारे में भी बातचीत की गई।

केन्‍द्रीय वित्‍त मंत्री के साथ बैठक में केन्‍द्रीय वित्‍त और कॉरपोरेट कार्य राज्‍य मंत्री श्री अनुराग सिंह ठाकुर; वित्‍त सचिव श्री राजीव कुमार; डीईए सचिव श्री अतनु चक्रवर्ती; राजस्‍व सचिव श्री अजय भूषण पांडे; सीबीडीटी के अध्‍यक्ष श्री प्रमोद चंद्र मोदी; प्रमुख आर्थिक सलाहकार डॉ. के.वी. सुब्रह्मण्‍यम; श्रम और रोजगार मंत्रालय सचिव श्री हीरालाल सामरिया; वी.वी. गिरि नेशनल लेबर इं‍स्‍टीट्यूट के महानिदेशक श्री एच.श्रीनिवास और वित्‍त मंत्रालय के अन्‍य वरिष्‍ठ अधिकारी भी मौजूद थे।

बैठक के दौरान ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों ने नौकरियां सृजित करने, श्रम से जुड़ी चिंताओं और रोजगार की गुणवत्‍ता से जुड़े मुद्दों पर अपने विचार साझा किए। इस बैठक में भाग लेने वाले प्रतिनिधियों ने कौशल विकास, नया हुनर सिखाने और अतिरिक्‍त हुनर देने के अलावा सामाजिक सुरक्षा के प्रावधानों के बारे में अपनी चिंताएं बताई। उन्‍होंने विभिन्‍न योजनाओं के बेहतर परिणामों की आवश्‍यकता के अलावा नौकरियां सृजित करने की गुणवत्‍ता और कामगारों के लिए न्‍यूनतम मजदूरी सुनिश्चित करने पर जोर दिया। विभिन्‍न ट्रेड यूनियन और श्रम संगठनों के विशेषज्ञों और प्रतिनिधियों ने श्रम से जुड़े क्षेत्रों में कौशल विकास, कलस्‍टर के विकास के साथ कौशल विकास पहल को जोड़ने, कौशल बढ़ाने के लिए समर्पित कोष का गठन, मनरेगा योजना के लिए अधिक धनराशि का आबंटन, मनरेगा के अंतर्गत काम करने के दिवसों की संख्‍या बढ़ाने, स्‍थायी लाभ के लिए विभिन्‍न कल्‍याणकारी योजना के लिए कानून, कौशल विकास के अनुसार नौकरियां निर्धारित करने, एमएसएमई के जरिये फिर से नौकरयां सृजित करने के लिए अलग कोष, सामाजिक क्षेत्र के लिए खर्च में वृद्धि, भूमिहीन कृषि कामगारों सहित असंगठित क्षेत्र के कामगारों के लिए लाभ, त्रिपक्षीय और द्विपक्षीय तंत्र को मजबूत बनाना, सुरक्षा, औद्योगिक संबंधों और सामाजिक सुरक्षा के बारे में कोड को अंतिम रूप देने के लिए ट्रेड यूनियनों के साथ सलाह-मशविरा किया गया।

विभिन्‍न श्रम संगठनों की ओर से भाग लेने वाले प्रतिनिधियों में भारतीय मजदूर संघ (बीएमएस) के अखिल भारतीय आयोजन सचिव श्री बी.सुरेन्‍द्रन; ट्रेन यूनियनों की अखिल भारतीय केन्‍द्रीय परिषद (एआईसीसीटीयू) के राष्‍ट्रीय सचिव श्री संतोष रॉय;  भारतीय सूक्ष्‍म, लघु और मध्‍यम उद्यम फेडरेशन (एफआईएसएमई) के अध्‍यक्ष श्री अनिल भारद्वाज; भारतीय राष्‍ट्रीय ट्रेड यूनियन कांग्रेस (इंटक) के उपाध्‍यक्ष श्री अशोक सिंह; ऑल इंडिया यूनाइटेड ट्रेड यूनियन सेंटर (एआईयूटीयूसी) के अखिल भारतीय सचिवालय के सदस्‍य श्री सत्‍यवान; श्रम प्रगतिशील फेडरेशन (एलपीएफ) के एम.पी. महासचिव श्री एम.षणमुगम; अखिल भारतीय ट्रेड यूनियन कांग्रेस (एटक) की महासचिव सुश्री अमरजीत कौर; सेंटर ऑफ इंडियन ट्रेड यूनियन (सीटू) के राष्‍ट्रीय सचिव  श्री स्‍वदेश देव रॉय, हिन्‍द मजदूर सभा के सचिव श्री मुकेश गालव; स्‍व-रोजगार महिला एसोसिएशन (सेवा) की राष्‍ट्रीय सचिव सुश्री मालिनी शाह; दक्षिण एशिया और भारत के कंट्री ऑफिस के आईएलओडीडब्‍ल्‍यूटी के उप निदेशक श्री सातोषी सासाकी; भारत के लघु उद्योगों की एसोसिएशन की फेडरेशन (एफएएसआईआई) के राष्‍ट्रीय अध्‍यक्ष श्री के.वी. शेखर राजू; ट्रेड यूनियन कॉर्डिनेशन सेंटर (टीयूसीसी) के महासचिव श्री संजय कटकामर; वर्धमान यार्न्‍स एंड थ्रेड्स लिमिटेड के प्रबंध निदेशक श्री डी.एल.शर्मा; फिक्‍की के सहायक महा सचिव श्री अरविन्‍द फ्रांसिस, भारतीय मजदूर संघ के श्री पवन कुमार शामिल थे।

——-

PIB

The post वित्‍त मंत्री ने विभिन्‍न ट्रेड यूनियनों और श्रम संगठनों के प्रतिनिधियों के साथ बजट पूर्व विचार-विमर्श किया appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Post Office – National Savings Recurring Deposit Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 918(E).— In exercise of the powers conferred by section 3A of the Government Savings Promotion Act,1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the National Savings Recurring Deposit Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;
(b) “account holder” means an individual in whose name the account is held;
(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);
(d) “Form” means forms appended to this Scheme;
(e) “General Rules” means the Government Savings Promotion General Rules, 2018;
(f) “year” means a period of twelve months commencing from the date of first deposit in the account.

(2) Words and expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and the General Rules.

3. Opening of account.-

(1) On an application in Form-1 to the accounts office, an account may be opened by-

(a) a single adult; or
(b) upto three adults jointly;
(c) a guardian on behalf of a minor or a person of unsound mind; or
(d) a minor who has attained the age of ten years, in his own name.

(2) An individual may have more than one account in his name or jointly with another.

4. Maturity period.-

The maturity period of the account shall be five years.

5. Deposits.- (

1) Subject to the provisions of sub-paragraphs (2) to (4) and paragraph 10, an account holder shall make sixty monthly deposits in an account.

(2) The minimum amount of monthly deposit in an account shall be one hundred rupees or any sum in multiples of ten rupees.

(3) The first monthly deposit shall be made at the time of opening of the account and the amount of such deposit shall be the denomination of the account.

(4) Subsequent deposits equal to the first deposit shall be made upto the fifteenth day of each month, if account is opened before the sixteenth day of a calendar month; and upto the last working day of each month, if the account is opened between the sixteenth day and the last working day of a calendar month.

6. Defaults in deposits.-

(1) If there are not more than four defaults in monthly deposits, the account holder may, at his option, extend the maturity period of the account by as many months as the number of defaults and deposit the defaulted instalments during the extended period.

(2) If there are more than four defaults, the account shall be treated as discontinued and revival of the account shall be permitted only within a period of two months from the month of fourth default.

(3) Revival fee at the rate of one rupee for every hundred rupees of a defaulted instalment for each month of default (proportionate amount for other denominations) shall also be paid alongwith such deposit in lump- sum.

(4) An account in which defaulted instalments are so deposited, shall not be treated as discontinued.

7. Advance deposits.-

(1) In an account which has not become a discontinued account under paragraph 6, deposits for not less than six monthly instalments may be made in advance in any month at the option of the account holder and rebate on such deposits shall be admissible as follows:-

(2) For accounts of other denominations, the amount of rebate shall be proportionate to the rates specified in sub-paragraph (1).

(3) The advance deposit of six months or more will be inclusive of the month in which the deposit is made.

(4) If advance deposits are made for a period less than six months, no rebate shall be allowed and if the advance deposits are made for a period less than twelve months, the rebate shall be allowed to the extent admissible for six monthly advance deposits only.

(5) The rebate for six monthly deposits or more made in advance may be given to the account holder irrespective of whether the amount was deposited in one lump sum in any calendar month or on different dates in any calendar month.

(6) Where deposits are made on different dates, the rebate shall be paid at the time of deposit which makes advance deposit for six or more months, as the case may be.

(7) The advance deposit may be made at the time of opening of the account or any time thereafter.

(8) The advance deposit under this paragraph may be made net of the applicable rebate.

(9) Advance deposits may be made for any period upto five years.

8. Premature closure.-

The account holder may, by making an application to the accounts office in Form-2, close the account prematurely after three years from the date of opening of the account and interest at the rate applicable from time to time to the Post Office Savings Account shall be payable on such premature closure of account:

Provided that no premature closure of account shall be permissible until the period for which the advance deposits have been made under paragraph 7 is over.

9. Repayment on maturity.-

(1) An account in which sixty monthly deposits have been made during its maturity period or maturity period as extended under sub-paragraph (1) of paragraph 6, the account holder shall be paid, at the end of such period, to receive an amount, by making an application in Form-3, as specified in the table below:-

Table

(2) Where an account has become discontinued and which have not been revived during its maturity period or maturity period as extended under sub-paragraph (1) of paragraph 6, the account holder shall be entitled, on the expiry of such period, to receive an amount, inclusive of interest which shall be in the same proportion to the amount specified in Table in sub-paragraph (1).

(3) The amount payable on final closure on maturity or otherwise in the account shall be rounded off to the nearest rupee and for this purpose the amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.
10. Accounts continued beyond maturity period.- (1) Notwithstanding anything contained in the foregoing paragraphs, if sixty monthly deposits have been made in an account during its maturity period or maturity period as extended under sub-paragraph (1) of paragraph 6, the account holder may, at his option, continue the account, by making an application in Form-4, for a further period of upto a maximum of five years and make monthly deposits which shall be equal to the first deposit, during such further period and the provisions of paragraphs 6 and 7 shall be applicable to such deposits.

(2) An account continued under sub-paragraph (1) may at any time be closed by the account holder, and on such closure he shall be entitled to receive repayment of the amount, inclusive of interest, as follows:-

(a) If the account is closed after being continued under sub-paragraph (1) for a completed number of years, the account holder shall be entitled to receive the amount inclusive of interest as specified in table-1 below:-

TABLE 1

(Amount inclusive of interest repayable on the accounts opened on or after the publication of this scheme and continued with monthly deposits beyond the maturity period or maturity period as extended under sub-paragraph (1) of paragraph 10.)

(b) If the account is closed after being continued under sub-paragraph(1) for a period of less than one year, the account holder shall be entitled to receive the amount as specified under sub-paragraph (1) of paragraph 9 together with;

(i) interest on such amount for the complete months for which the account was continued; and (ii) the amount of deposits made by him during the period for which the account was continued;

(c) If the account is closed after being continued under sub-paragraph (1) for completed number of years not exceeding four and for a part of a year thereafter, the account holder shall be entitled to receive,-

(i) the amount under clause (a) of sub-paragraph 2;
(ii) interest on such amount for the complete months in the partial year; and
(iii) the amount of deposits made by him during the partial year;

(d) The interest referred in clause (b) and clause (c) shall be calculated at the rate applicable, from time to time, to the Post Office Savings Account.

11. Retention of amount of repayment beyond maturity period.-

(1) Notwithstanding anything contained in the foregoing paragraphs, if sixty monthly deposits have been made in an account during its maturity period or maturity periods as extended under sub-paragraph (1) of paragraph 6, the account holder may, at his option, retain in it the amount of repayment due, by making an application in Form-3, under sub-paragraph (1) of paragraph9 for a further period upto a maximum of five years without making any fresh deposits during such further period.

(2) On closure of the account at the expiry of the further period referred to in sub-paragraph (1), the account holder shall be entitled to receive repayment as specified in Table – 1 below:-

TABLE 1

TABLE 2
(Amount inclusive of interest repayable on an account opened on or after day of notification of this gazette and continued without any fresh monthly deposit beyond the maturity period or maturity period as extended under sub-paragraph (1) of paragraph 11.)

Amount repayable inclusive of interest on an account of any other denomination shall be proportionate to the amount specified in the table.

(2) The interest specified in items (i) and (iii) of sub-paragraph (2) shall be calculated at the rate applicable from time to time to the Post Office Savings Account.

(3) (a) If maturity value of a discontinued account is retained by the account holder after the date of maturity, interest at the rate applicable to this Scheme for completed years, and at the rate applicable to the Post Office Savings Account for completed months, if the period is less than a year, shall be paid on the maturity value on the date of maturity.

(b) The interest under this sub-paragraph may be paid upto a maximum period of five years from the date of maturity of the account.

(4) The accounts having permissible defaults shall also be treated at par with discontinued accounts for the payment of maturity value and in cases where the account is discontinued, or is having permissible defaults, interest shall be paid on the maturity value as per the rates specified under sub-paragraph (4).

12. Repayment on the death of the account holder.-

(1) Subject to sub-paragraph (2), on the death of the account holder in a single account, or of all the account holders in a joint account, no further deposits shall be made in the account and the repayment shall be made to the nominee or legal heirs as the case may be. For the purposes of such procedure, the amount due for repayment on the account shall be specified in the Table – 1 below:-

TABLE – 1

TABLE – 2

(Amount payable to legal heir or nominees on the death of the depositor in five year under this scheme on the accounts opened between the day of notification of this scheme and upto closure of the account)

(2) Notwithstanding anything contained in sub-paragraph (1), if there are upto three surviving nominees or legal heirs, they may continue the account and receive repayment of the amount inclusive of interest, in the manner provided for in this Scheme, as if the account had been opened themselves, by submitting an application in the prescribed form and the Accounts Office shall make remarks in the relevant records that the account is transferred in the name of the nominee or the legal heir, as the case may be.

(3) On the death of one or two account holder in a joint account, the surviving account holder or holders shall be treated as the sole owner or owners of the account and such holder or holders may deal with the account in any manner provided for in this Scheme, as if had opened the account in his or their name. If less than sixty monthly deposits have been made into the account, the surviving account holder or holders shall also have the option to close the account immediately and receive the amount as specified in sub-paragraph (1).

(4) On the death of the guardian of minor or a person of unsound mind, the new guardian may close the account and claim the amount as specified in sub-paragraph (1) of paragraph 9 or sub-paragraph (2) of paragraph 10 or sub-paragraph (2) of paragraph 11, as the case may be, if the same is required in the interest of such account holder.

(5) If the account is discontinued by the nominee or the legal heir and the maturity value is claimed at the end of the term of the account, the amount payable shall be calculated in the manner specified in sub- paragraph (3) of paragraph 9.

13. Repayment of full maturity value on the death of account holder in certain cases (Protected Savings Scheme).- (1) Where the account holder in a single account or all the account holders in a joint account dies during the maturity period of an account or its extension under sub-paragraph (1) of paragraph 6, the legal heir or the nominee, as the case may be, of such account holder or holders, shall be entitled to receive the amount specified in sub-paragraph (1) of paragraph 9 as if the account holder had paid all the sixty monthly deposits subject to the following conditions, namely:-

(i) the payment of full maturity value under this paragraph shall be restricted to the maturity value of an account of the denomination of one hundred rupees;

(ii) the account has not become a discontinued account;

(iii) the period from the date of opening the account to the date of death of the account holder or the surviving account holder, as the case may be, is not less than two years;

(iv) the age of the account holder or the account holders, as the case may be, at the time of opening the account was not less than eighteen years and not more than fifty-five years:

Provided that where at the time of opening the account or thereafter, account holder or holders have not given a declaration in writing to the accounts office indicating the age of such account holder or holders, the claimant shall furnish a certified copy of the birth certificate or School Leaving Certificate or PAN card or voter I card or Passport or Driving License of the deceased account holder or holders;

(v) the first twenty-four monthly deposits have been made without default:

Provided that a defaulted instalment paid with revival fee specified under sub-paragraph (1) of paragraph 6 before the death of the account holder or the surviving account holder, as the case may be, shall not be treated as default;

(vi) the amount of defaults, if any, after twenty-four months from the date of opening the account, together with revival fee on such amount at the rate specified in sub-paragraph (3) of paragraph 6 shall be deducted from the amount payable under this paragraph;

(vii) no loan has been made from the account during the first twenty-four months;

(viii) if a loan under paragraph 14 has been availed from the account after the expiry of twenty-four months from the date of opening of the account, any outstanding amount of such loan and the interest due thereon under paragraph 14 shall be recovered from the amount payable under this paragraph.

(2) (a) If an account holder or the surviving account holder has more than one account of the denominations not exceeding one hundred rupees, the benefit of payment under this paragraph shall be available in respect of all such accounts which may be specified by the account holder or the surviving account holder, as the case may be, subject to a maximum of the maturity value of an account of one hundred rupees.
(b) If an account holder or a surviving account holder has more than one account of the denominations exceeding one hundred rupees, the benefit of payment under this paragraph shall be available in respect of only that account which may be specified by the account holder or the surviving account holder, as the case may be, subject to a maximum of the maturity value of an account of denomination of one hundred rupees:

Provided that an account holder or a surviving account holder may, by making an application to the accounts office where the account is held, change the account referred to in clause (a) or clause (b).

(c) If no account has been specified by an account holder or a surviving account holder under clause (a) or, as the case may be, under clause

(b), the benefit of payment under this paragraph shall be admissible in respect of earlier accounts which qualify for payment under this paragraph.

(d) Notwithstanding anything contained in clauses (a) to (c), if an account holder or the surviving account holder, has more than one account, and different nominations are made in respect of the accounts, the benefit of payment under this paragraph shall be admissible to the nominees in respect of earlier accounts which qualify for payment.

(3) The legal heir or nominee, as the case may be, shall on the death of the account holder or the surviving account holder, as the case may be, apply to the Accounts Office not later than one year from the date of death of such account holder along with death certificate in respect of the deceased account holder, or a certified copy thereof, and the Accounts Office shall obtain a declaration from the nominee/legal heir that he has not previously availed the benefit of the Protected Savings Scheme in respect of any account of the deceased account holder.

(4) The amount of advance deposits remaining after the death of the account holder, if any, shall also be refunded back to the claimant alongwith the full maturity value of the account under the Protected Savings Scheme.

(5) (a) In case of an account of denomination of more than one hundred rupees, the proportionate maturity amount which shall bear the same proportion to the full maturity value as the number of instalments deposited in the account bear to sixty shall be calculated and if the amount so calculated exceeds the full maturity value of an account of the denomination of one hundred rupees, no benefit under this paragraph shall be admissible.

(b) If the said proportionate maturity value is less than the full maturity value of an account of one hundred rupees denomination, then an amount equal to the maturity value of a one hundred rupees denomination shall be payable under the Protected Savings Scheme.

(6) If a deceased account holder has more than one account having denominations of less than one hundred rupees eligible for benefit under this Scheme, but the total of their denominations exceeds rupees one hundred, the benefit of this Scheme shall be admissible only if the combined proportionate maturity amount, as specified in sub-paragraph (5), of all such accounts is less than the maturity value of the account of one hundred rupees denomination.

14. Loan.-

(1) Subject to the provisions of sub-paragraphs (2) to (7), where an account has not become a discontinued account under sub-paragraph (2) of paragraph 6, the account holder by making an application to the accounts office in Form-5, may avail the facility of loan of the amount not exceeding fifty per cent. of the deposits made in the accounts after the account has been in operation for at least one year and twelve monthly deposits have been made in the account.

(2) The amount of such loan shall be a multiple of ten rupees which may be repaid, at any time during the currency of the account in one lump sum or in equal monthly instalments.

(3) Simple interest at the rate of two percentage points over and above the interest rate applicable to the account of the loan shall be payable in the following manner:-

(a) in the case of repayment in one lump sum, interest at the rate specified in sub-paragraph (3), shall be calculated on the amount of loan from the date of withdrawal to the date of repayment;

(b) in the case of repayment in equal monthly instalments, the amount of each instalment shall be in multiples of ten rupees and the number of instalments shall not exceed the number of months remaining for maturity of the account or the post maturity period for which the account is continued under paragraph10 or paragraph 11 and the interest at the rate specified in sub-paragraph (3) shall be calculated on the amount remaining unpaid at the end of each month from the month of withdrawal of the loan, and the total amount of such interest shall be payable in lump sum alongwith the last instalment of repayment of the amount of loan or in the month following the month in which the last instalment of the loan is repaid.

(4) (a) During the maturity period of an account or its extension under sub-paragraph(1) of paragraph 6 or sub-paragraph (1) of paragraph 10, the monthly instalment of repayment of loan, if any, shall be payable alongwith the monthly deposits.

(b) If an account is retained beyond the maturity period without any fresh deposits under sub-paragraph (1) of paragraph 11, monthly instalments of repayment of loan, if any, may be paid during the period of such retention.

(5) Where, for any reason, the amount of loan or a part thereof has not been repaid or the interest thereon has not been paid by the account holder before the closure of the account, the outstanding amount due from him in this behalf shall be recovered from the amount payable to him or to his nominee or legal heir, as the case may be, on the closure of the account.

(6) The amount of interest recoverable on loan repaid on any one occasion shall be rounded off to the nearest rupee and for this purpose the amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(7) The balance in the account for the purpose of loan on the date of application shall include all deposits including advance deposits.

(8) (a) In case the interest to be recovered is more than the interest payable on the deposits, the account holder shall be paid the amounts of deposits minus the amount of withdrawal made.

(b) The amount of interest to be recovered on the loan shall be reduced in order to make it equal to the amount of interest payable on the deposits so that the account holder may get back the net deposits.

15. Rounding off transactions.-

All transactions of recoveries, withdrawals, repayments, etc., under this Scheme shall be rounded off to the nearest rupee and for this purpose any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

16. Procedure on the minor attaining majority.-

(1) A minor on whose behalf an account has been opened may, on his attaining majority,-

(a) continue the account for full maturity period, or the maturity period as extended under sub-paragraph (1) of paragraph 6, or for a further period under paragraph 10 or paragraph 11, as the case may be; or

(b) if he does not continue the account any longer, claim proportionate amount as specified in sub-paragraph

(1) of paragraph 9 on expiry of maturity period, or the amount due under sub-paragraph (2) of paragraph 10 or sub-paragraph (2) of paragraph 11, as the case may be.

(2) The minor who exercises the option to continue the account under clause (a) of sub-paragraph (1) shall complete due diligence process and, give a declaration as follows:

“I hereby declare that the General Rules and the National Savings Recurring Deposit Scheme, 2019 have been read by/to me and I accept the said rules and the scheme and all such amendments thereto as may be issued from time to time as binding on me”.

17. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provision has been made in this Scheme.

18. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to the account holder, it may, by order, for reasons to be recorded in writing, relax the requirements of that provision or provisions in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018-NS (Pt. I)]

RAJAT KUMAR MISHRA, Jt. Secy.

National Savings Recurring Deposit Scheme 2019 PDF

The post Post Office – National Savings Recurring Deposit Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

No Change in Dusshera Holiday 2020 – DOPT  Clarification

F. No.12/1/2019-JCA2
Government of India
Ministry of Personnel, PG & Pensions
Department of Personnel & Training

North Block, New Delhi
Dated: 20th December, 2019

OFFICE MEMORANDUM

Subject: Closed Holidays for the year 2020 — Date for Dusshera regarding.

In continuation of this Department’s OM of even number dated 18-6-2019 circulating therewith List of holidays for the year 2020, the undersigned is directed to state that some Central Government Employees Coordination Committees located in different States have sent representations for change in the date of Dusshera (Vijaya Dasami) holiday on 26-10-2020 (Monday) instead of 25-10-2020 (Sunday) in their States.

2, It is hereby informed that the decision of CGEWCCs located in different States, to declare Dussehra as closed holiday for the Central Govt. Offices on 26-10-2020 (Monday), is not in accordance with the holiday policy of the Government of India. However, Restricted Holiday on 26-10-2020 (Monday) for Dussehra (Vijay Dashmi) can be celebrated by the Central Government Offices, as specifically mentioned in DoPT’s OM No.12/1/2019/JCA 2 dated 18.06.2019, at para 3.1 that “no change of dates is permissible in regard to festivals and dates indicated”.

3. This issues with the approval of the competent authority.

(Jugal Singh)
Deputy Secretary to the Govt. Of India
Ph: 23092338

Copy to

1. All Ministries/ Departments of Government of India.
2. UPSC/CVC/C&AG/PMO/Lok Sabha Secretariat/Rajya Sabha Secretariat / President’s Secretariat / Vice-President’s Secretariat / Supreme Court / High Court of the States / Central Administrative Tribunal Principal Bench / Election Commission of India / Minorities Commission / National Human Rights Commission / Central Information Commission/National Commission for Women/National Commission for SC/NCST/NCBC.
3. All attached and subordinate offices of Ministry of Personnel, P.G. & Pensions.
4. Secretary, Staff Side, National Council (JCM), 13-C, Ferozeshah Road, New Delhi.
5. All Staff Side Members of the National Council (JCM).
6. All Staff Side Members of the Departmental Council (JCM),Ministry of Personnel, P.G. and Pensions.
7. Chairman/Secretaries, Central Government Employees Welfare Coordination Committees (As per updated list from Welfare Section).
8. PS to Cabinet Secretary.
9. Deputy Secretary (Coordination), Delhi Govt. Secretariat, I.G. Stadium, I.T.O., New Delhi.
10. The Manager (Store), Government of India, Forms Store, 166 Lenin Saral, Kolkata

Download PDF  DOPT Order – No Change in Dusshera Holiday 2020

The post DOPT Order – No Change in Dussehera Holiday 2020 appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Post Office – National Savings Certificates Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 919(E).— In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the National Savings Certificates (VIII Issue) Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;
(b) “account holder” means an individual in whose name the account is held;
(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;
(e) “General Rules” means the Government Savings Promotion General Rules, 2018;
(f) “year” means a period of twelve months commencing from the date of deposit in the account.

(2) Words and expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and in the General Rules.

3. Type of accounts.-

(1) On an application to the accounts office in Form-1, the following types of accounts can be opened under the Scheme, namely:-

(a) Single Holder Type Account;
(b) Joint A- Type Account; and
(c) Joint B – Type Account.

(2) (a) A Single Holder Type Account may be opened by an adult for himself, or on behalf of a minor or a person of unsound mind of whom he is the guardian; or by a minor who has attained the age of ten years;

(b) Joint A- Type Account may be opened jointly in the names of upto three adults payable to all the holders jointly or to the survivor or survivors;

(c) Joint B-Type Account may be opened jointly in the name of upto three adults payable to any of the account holders or to the survivor or survivors.

4. Deposits.-

(1) A minimum of one thousand rupees and any sum in multiples of one hundred rupees may be deposited in an account.

(2) There shall be no maximum limit for deposit in an account or in accounts held by an account holder.

(3) An individual may open any number of accounts.

5. Payment on Maturity.-

(1) The deposit shall mature on completion of five years from the date of the deposit. Amount of maturity may be repaid to the account holder on an application in Form-2 submitted to the accounts office.

(2) The maturity value of an account opened with one thousand rupees shall be One thousand four hundred sixty two rupees and fifty four paisa and proportionate for deposits made with any other sum as per sub- paragraph (1) of paragraph 4. In calculation of maturity value, any amount in fraction of a rupee shall be rounded off to the nearest rupee and for this purpose, any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(3) A certificate of annual accrual of interest shall be issued by the accounts office, on demand, to the account holder. The interest as specified in the Table below shall accrue to the holder or holders of the certificate at the end of each year and the interest so accrued at the end of each year upto the end of the fourth year shall be deemed to have been reinvested on behalf of the holder and aggregated with the amount of face value of the certificate.

TABLE

Note: The amount of interest accruing on a certificate of any other denomination shall be proportionate to the amount specified in the said Table.

6. Pledging of account.-

(1) An Account may be pledged or transferred as security, on an application made by the depositor in Form-3 supported with acceptance letter from the pledgee.

(2) Transfer of an account under this paragraph may be made to-

(a) the President of India or the Governor of a State in his official capacity;
(b) the Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a Co-operative Bank;
(c) a public or private corporation or a Government company;
(d) a local authority; or
(e) a housing finance company approved by the National Housing Bank and notified by the Central Government:
Provided that the transfer of an account opened on behalf of a minor or a person of unsound mind shall not be permitted under this rule unless the guardian of the minor or the person of unsound mind, as the case may be, certifies in writing that the minor or the person of unsound mind, as the case may be, is alive and that the transfer is for the benefit of the minor or the person of unsound mind.

(3) When any account is transferred as security under sub-paragraph (1), the authorised officer shall make the following endorsement in the record of the Account, including the Savings Certificate, namely:-

“Transferred as security to …..” .

(4) Except as otherwise provided in this scheme, the transferee of an account under this paragraph shall, until it is transferred back under sub-paragraph (5), be deemed to be the depositor.

(5) An account transferred under this paragraph may, on written authority of the transferee, be re-transferred back with the previous sanction in writing of the authorised officer and when any such retransfer is made, the authorised officer of the accounts office shall make the following endorsement in the record of the account, including Certificate, namely:-
“transferred back to……”.

(6) A blind or a person with physical infirmity making him incapable of operating the account may pledge his deposit through any literate individual whom he authorises for this purpose.

7. Premature closure of account.-

(1) The account shall not be closed before maturity except in the following cases, namely:-

(a) on the death of the account holder in a single account, or any or all the account holders in a joint account;
(b) on forfeiture by a pledgee being a Gazetted Officer, when the pledge is in conformity with this Scheme;
(c) when ordered by a court.

(2) Where an account is prematurely closed under sub-paragraph (1) before the expiry of one year from the date of deposit, only principal amount shall be payable.

(3) If the account is prematurely closed under sub-paragraph (1) after the expiry of one year but before the expiry of three years from the date of deposit, the premature closure shall be allowed and on such premature closure of the account interest on principal amount at the rate applicable to the Post Office Savings Account from time to time for the complete months for which the account has been held, shall be payable.

(4) If an account is prematurely closed under sub-paragraph (1) after the expiry of three years from the date of the opening, the amount payable, inclusive of interest accrued under paragraph 5 for a deposit of one thousand rupees and at a proportionate rate for other amounts of deposits, shall be as specified in the table below:-

TABLE
(Table showing premature closure value of account opened on or after date of notification with 1000 rupees)

8. Transfer of account from one individual to another.-

An account may be transferred from one individual to another, subject to the condition that the transferee is eligible to open an account under this Scheme, in the following cases, namely:-

(i) on the death of account holder in case of a single account or on the death of all the account holders in a joint account, the amount shall be transferred to the legal heirs or the nominees as the case may be.

(ii) on the order of the court, the account shall be transferred from the account holder to the court or to any other individual as per the orders of the court;

(iii) on pledging, account shall be transferred in accordance with paragraph 6;

(iv) in the event of the death of any of the account holders in a joint account, the account shall be transferred in the name of the surviving account holder or account holders, as the case may be.

9. Payment on the death of account holder.-(1) In the event of death of the depositor of a single account or of all the depositors in a joint account, the eligible balance in the account shall be payable as specified in paragraphs (2) to (6).

(2) If a nomination is in force at the time of death of the depositor of a single account or all the depositors of a joint account, the nominee may make an application in Form-2 to the accounts office for payment of the eligible balance and the application shall be accompanied by the proof of death of the depositor, and where any other nominee has also died, the proof of death of such nominee.

(3) If there are two or more surviving nominees, the eligible balance shall be paid in the proportion as specified by the depositor while making the nomination, and if no such proportion or share is specified, then in equal proportion to all the surviving nominees.

(4) If any nominee dies, his specified share in the eligible balance shall be distributed among the surviving nominees in the same proportion as their specified shares.

(5) Where the surviving nominee is a minor, the payment shall be made to a person appointed by the depositor to receive such payment and, if no such person has been appointed, to the guardian of the minor.

(6) If a depositor dies and there is no nomination in force at the time of his death, and probate of his will or letters of administration of his estate or a succession certificate as granted in the Indian Succession Act, 1925 (39 of 1925) is not produced within six months from the death of the depositor to the authorised officer of the accounts office where the account stands, then,-

(i) if the eligible amount in the account does not exceed Rs. 5 lakh, the authorised officer of the accounts office or the authority specified by the institution to which the accounts office belongs, may pay the same to any person appearing to him as the rightful claimant and to his satisfaction to be entitled to receive the amount or to administer the estate of the deceased, on an application in Form-2 accompanied by the following documents; namely:-

(a) death certificate;
(b) pass book or deposit receipt/statement of account in original;
(c) Affidavit;
(d) letter of disclaimer;
(e) Bond of Indemnity;

(ii) if the eligible amount in the account of the deceased is above Rs. 5 lakh, the amount shall be paid by the accounts office to the claimant on submission of ‘Succession Certificate’ issued by the court along with the following documents; namely:-

(a) claim form;
(b) pass book or deposit receipt or statement of account in original;
(c) death certificate of the account holder.

(2) Where there are not more than three surviving nominees or legal heirs, they may, at their option, continue the account and receive the amount of deposit along with interest on maturity in the manner provided for in this Scheme, as if they had opened the account themselves.

(3) Where the account is not continued under sub-paragraph (2), it shall be closed and the amount of deposit along with interest as provided in paragraph 7 shall be paid.

(4) On the death of one or two of the account holders in a joint account, the surviving account holder or holders, if any, shall be treated as the owner or owners of the account and such account holder or holders may continue the account or close the account in the manner specified under sub-paragraph (3).

10. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provision has been made in this Scheme.

11. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to the account holder, it may by order, for reasons to be recorded in writing, relax the requirements of that provision or provisions in a manner not inconsistent with the provisions of the Act.

[F.No.2/2/2018 NS (Pt.I)]

RAJAT KUMAR MISHRA Jt. Secy.

National Savings Certificates Scheme 2019 PDF

The post Post Office – National Savings Certificates Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Post Office – Kisan Vikas Patra Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 920(E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the Kisan Vikas Patra Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;
(b) “account holder” means an individual in whose name the account is held;
(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);
(d) “Form” means forms appended to this Scheme;
(e) “General Rules” means the Government Savings Promotion General Rules, 2018;
(f) “year” means a period of twelve months commencing from the date of deposit in the account.

(2) Words and expressions used herein but not defined shall have the meanings respectively assigned to them in the Act and the General Rules.

3. Type of accounts.- (1) On an application to the accounts office in Form-1, the following types of accounts can be opened under the Scheme, namely :-

(a) Single Holder Type Account;
(b) Joint A- Type Account; and
(c) Joint B- Type Account.

(2) (a) A Single Holder Type Account may be opened by an adult for himself, or on behalf of a minor or a person of unsound mind of whom he is the guardian, or by a minor who has attained the age of ten years;

(b) Joint A-Type Account may be opened jointly in the names of upto three adults payable to all the account holders jointly or to the survivors;

(c) Joint B-Type Account may be opened jointly in the name of upto three adults payable to any of the account holders or to the survivor or survivors.

4. Deposits.-

(1) A minimum of one thousand rupees and any sum in multiples of one hundred rupees may be deposited in an account.

(2) There shall be no maximum limit for deposit in an account or in accounts held by an account holder.

(3) An individual may open any number of accounts.

5. Payment on maturity.-

(1) Deposits made in the account shall double on maturity. Maturity period of an account shall be nine years and five months commencing on the date of deposit. Amount of maturity may be repaid to the account holder on an application in Form-2 submitted to the accounts office.

(2) The maturity period of the deposit under this Scheme shall be determined on the rate of interest applicable at the time of opening the account.

6. Premature closure of account.-

(1) The account may be prematurely closed by the account holder by making an application in Form-3 to the accounts office, at any time before maturity under the following circumstances, namely:-

(a) on the death of the account holder in a single account, or any or all the account holders in a joint account;
(b) on forfeiture by a pledgee, being a Gazetted Officer;
(c) when ordered by a court.

(2) On the closure of the account under sub-paragraph (1), principal amount along with simple interest calculated at the rate applicable from time to time to Post Office Savings Account for the complete months for which the account has been held, shall be payable.

(3) Notwithstanding anything contained in sub-paragraph (2), if an account is closed any time after the expiry of two years and six months from the date of opening of the account, the amount, inclusive of interest shall be payable as specified in the table below:-

(Table showing premature closure value of account opened on or after date of notification with 1,000 rupees)
TABLE

7. Pledging of account.-

(1) An account may be pledged or transferred as security, on an application made by the depositor in Form-4 supported with acceptance letter from the pledgee.

(2) Transfer of an account under this Scheme may be made to-

(a) the President of India or the Governor of a State in his official capacity;

(b) the Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a Co-operative Bank;

(c) a public or private corporation or a Government company;

(d) a local authority; or

(e) a housing finance company approved by the National Housing Bank and notified by the Central Government: Provided that the transfer of an account opened on behalf of a minor or a person of unsound mind shall not be permitted under this Scheme unless the guardian of the minor or the person of unsound mind, as the case may be, certifies in writing that the minor or the person of unsound mind, as the case may be, is alive and that the transfer is for the benefit of the minor or the person of unsound mind.

(3) When any account is transferred as security under sub-paragraph (1), the authorised officer shall make the following endorsement in the record of the Account, including the Savings Certificate, namely:-

“Transferred as security to …..” .

(4) Except as otherwise provided in this Scheme, the transfer of an account under this paragraph shall, until it is re-transferred back under sub-paragraph (5), be deemed to be the depositor.

(5) An account transferred under this Scheme may, on written authority of the transferee, be re- transferred back with the previous sanction in writing of the authorised officer and when any such retransfer is made, the authorised officer of the accounts office shall make the following endorsement in the record of the account, including certificate, namely:-

“Re-transferred to……”.

(6) A blind person or a person with physical infirmity making him incapable of operating the account may pledge his deposit through any literate individual whom he authorises for this purpose.

8. Transfer of account.- An account may be transferred from one individual to another, subject to the condition that the transferee is eligible to open an account under this Scheme, in the following cases, namely:-

(i) on the death of the account holder in case of a single account or on the death of all the account holders in a joint account, the amount shall be transferred to the legal heirs or the nominees, as the case may be;

(ii) on the order of the court, the account shall be transferred from the account holder to the court or to any other individual as per the orders of the court;

(i) on pledging, account shall be transferred in accordance with paragraph 7;

(ii) in the event of the death of any of the account holders in a joint account, the account shall be transferred in the name of the surviving account holder or account holders, as the case may be.

9. Payment on the death of account holder.-

(1) In the event of death of the depositor of a single account or of all the depositors in a joint account, the deposit shall be payable to the nominee if a nomination exists or to the legal heir(s).

(2) Where there are not more than three surviving nominees or legal heirs, they may, at their option continue the account and receive the amount of deposit along with interest on maturity in the manner provided for in this scheme, as if they had opened the account themselves.

(3) Where the account is not continued under sub-paragraph (2), it shall be closed and the amount of deposit along with interest as provided in paragraph 6 shall be repaid.

(4) On the death of one or two of the account holders in a joint account, the surviving account holder or holders, if any, shall be treated as the owner or owners of the account and such account holder or holders may continue the account under sub-paragraph (2) or close the account under sub-paragraph (3).

10. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply to this Scheme in relation to the matters for which no provisions have been made herein.

11. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to the amount holder, it may be by order, for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act or the rules made there under.

[F.No.2/2/2018 NS (Pt.I)]

RAJAT KUMAR MISHRA, Jt. Secy.

Kisan Vikas Patra Scheme, 2019 PDF

The post Post Office – Kisan Vikas Patra Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

बदलाव की तैयारी: सेना के जवान 58 साल तक सेवानिवृत्त हो सकेंगे

सेना के जवान 58 साल तक सेवानिवृत्त हो सकेंगे

नई दिल्ली | मदन जैड़ा 21 Dec 2019

नए साल में सेना के जवानों को सेवानिवृत्ति की आयु में बढ़ोत्तरी का तोहफा मिल सकता है। जो जवान सीधे लड़ाकू भूमिका में नहीं होंगे, उनकी सेवानिवृत्ति की आयु चरणबद्ध तरीके से 58 साल तक बढ़ाई जा सकती है।

 युद्धक भूमिका में भी जवानों को दो साल अतिरिक्त कार्य करने का मौका मिलेगा। अभी ये जवान विभिन्न रैंक पर अधिकतम 42 साल की उम्र में सेवानिवृत्त हो जाते हैं।

सेना के उच्च पदस्थ सूत्रों ने कहा कि इस मुद्दे पर पिछले काफी समय से विचार-मंथन चल रहा है। इसमें कई मुद्दों पर सैद्धांतिक सहमति बनी है और सेवानिवृत्ति की आयु बढ़ाने के लिए विभिन्न स्तरों पर प्रक्रिया आरंभ की गई है। नए साल में इसके क्रियान्वयन होने की उम्मीद है। नए प्रस्तावों के तहत गैर युद्धक भूमिकाओं के लिए जवानों की सेवानिवृत्ति आयु बढ़ाई जाएगी। इसे चरणबद्ध तरीके से लागू किया जाएगा। विभिन्न सेवाओं की जरूरतों को ध्यान में रखते हुए उनके लिए नई सेवानिवृत्ति की आयु तय की जाएगी।

***

बदलाव की तैयारी: सैनिक सेवानिवृत्ति की उम्र बढ़ने के आसार

विशेष संवाददाता ,नई दिल्ली
Last updated: Mon, 14 Oct 201

सेना प्रमुख बिपिन रावत की अध्यक्षता में सोमवार से शुरू हो रही कमांडर कांफ्रेंस में सैनिकों की सेवानिवृत्ति की उम्र बढ़ाने पर सहमति बन सकती है। अभी 19 साल की सेवा के बाद जवानों को सेवानिवृत्ति मिलती है, जिसे सेना बढ़ाना चाहती है। अगर सहमति बनती है तो लाखों सैनिकों को लाभ होगा।

करीब सप्ताह भर चलने वाली बैठक में कश्मीर से लेकर पूर्वोत्तर तक की स्थिति पर भी चर्चा होगी। सेना में इस समय बड़े बदलावों की प्रकिया चल रही है। कृत्रिम बुद्धिमता (आर्टिफिशियल इंटेलीजेंस) का इस्तेमाल बढ़ाया जा रहा है। सेना के वेतन भत्तों पर जितना खर्च होता है उससे ज्यादा पूर्व सैनिकों की पेंशन पर होता है। दीर्घकालिक रणनीति यह है कि इस खर्च को नियंत्रित किया जाए। सेवानिवृत्ति की उम्र बढ़ाना इसका एक हल हो सकता है।

कर्नल को 54 साल में रिटायरमेंट :

अभी 19 साल की सेवा के बाद जवान सेवानिवृत्त होते हैं। तब ज्यादातर की उम्र 40 साल से नीचे होती है। सेना महसूस कर रही है कि प्रशिक्षित और अनुभवी जवान को कुछ और वर्ष तक सेवा में रखना फायदेमंद हो सकता है। इसी प्रकार अफसरों की सेवानिवृत्ति की उम्र भी अलग-अलग है। कर्नल 54 साल में, ब्रिगेडियर साल में 56, मेजर जनरल 58 तथा लेफ्टिनेंट जनरल 60 में रिटायर होते हैं। जो अफसर कम उम्र में सेना छोड़ते हैं, वे कहीं अन्य नौकरी हासिल करते हैं। इसी प्रकार जवान भी दूसरी नौकरी करने लगते हैं। इसलिए अफसरों की सेवानिवृत्ति की उम्र में समानता लाने और जवानों की उम्र बढ़ाने पर चर्चा होगी।

https://epaper.livehindustan.com/epaperimages/21122019/21122019-NG1R-DEL-05.PDF

The post बदलाव की तैयारी: सेना के जवान 58 साल तक सेवानिवृत्त हो सकेंगे appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

Post Office Saving Account Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 921(E).—In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the Post Office Savings Account Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;

(b) “account holder” means an individual in whose name the Account is held;

(c) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;

(e) “General Rules” means the Government Savings Promotion General Rules, 2018;

(f) “year” means a period of twelve months commencing on the 1st day of April.

(2) Words and expressions used herein but not defined shall have the meanings assigned to them in the Act and in the General Rules.

3. Type of Account.-

(1) An account may be opened by making an application in Form-1 by the following:-

(a) a single adult;
(b) two adults jointly;
(c) a guardian on behalf of a minor;(d) a guardian on behalf of a person of unsound mind;
(e) a minor who has attained the age of ten years, in his own name:

Provided that only one account can be opened by an individual as a single account:

Provided further that an account under clause (e) can only be opened if an account under clause (c) does not exist in the name of the minor or vice versa.

(2) The share of an individual in the balance in a joint account shall be in equal proportion. On the death of one of the account holder in a joint account, the surviving account holder shall be treated as the sole owner of the account and he may continue the account in accordance with the provisions of this Scheme provided another single account is not held in his name. In case a single account exists in the name of the surviving holder, the account shall have to be closed.

4. Deposits and withdrawals.-

(1) The account may be opened with a minimum deposit of five hundred rupees and no subsequent deposit shall be accepted for an amount less than ten rupees.

(2) There shall be no maximum limit of deposit in an account.

(3) Withdrawals from the account for not less than fifty rupees may be made by presenting pass book alongwith Form-2 duly filled in and signed. Withdrawals from the account may also be made subject to the availability of balance above minimum prescribed limit by way of cheque or electronic means.

(4) No withdrawal shall be permitted which has the effect of reducing the balance to less than five hundred rupees.

(5) In case of an account having a balance of less than five hundred rupees immediately before the commencement of this Scheme, the account holder shall deposit the difference amount within a period of one year from the date of commencement of this Scheme, so as to bring the balance in the account to a minimum of five hundred rupees and the accounts office shall be responsible for advising the account holder through appropriate mode to make the required deposits within the specified date.

(6) If the account holder fails to make such deposit within the specified period, an account maintenance fee of one hundred rupees shall be deducted from the account on the last working day of each financial year and after deduction of the account maintenance fee, if the balance in the account becomes nil, the account shall stand automatically closed and the account holder shall be notified accordingly. This provision shall be applicable to all accounts including Silent Account.

(7) All deposits and withdrawals shall be made in whole rupees only.

5. Interest on deposits in an account.-

(1) The interest at the rate of four per cent per annum shall be allowed for a calendar month on the lowest balance at the credit of an account between the close of the tenth day and the end of the month, and such interest shall be calculated and credited in the account at the end of each year.

(2) The interest shall be allowed only on sums of whole rupees and shall be rounded off to the nearest rupee and for this purpose any amount of fifty paisa or more shall be treated as one rupee and any amount less than fifty paisa shall be ignored.

(3) No interest shall be allowed on an account for any month in which the balance at credit is below five hundred rupees at any time between the tenth and the last day of the month.

(4) If an account is closed during a year, interest shall be allowed upto the end of the month preceding the month in which the account is closed.

(5) In the event of death of an account holder, the interest in his account shall be paid only in the end of the month preceeding the month in which the account is closed.

6. Confirmation of balance.- A pass book or statement of account of the account holder shall be issued by the accounts office. The account holder may confirm balance in his account by presenting his pass book during office hours.

7. Issue of cheque book.-

A cheque book containing ten leaves may be issued to the account holder on an application, free of charge in a year. Subsequent issue of cheque book shall be charged at two rupees per cheque.

8. Silent Account.-

(1) An account in which a deposit or a withdrawal has not taken place for three complete years, shall be treated as a Silent Account and credit of interest in a Silent Account shall not be treated as a transaction.

(2) Transaction in a Silent Account shall be allowed only after revival of account. The account can be revived through an application by the account holder and after completion of the due process by the accounts office.

9. Final withdrawal on closure.-

The account may be closed at any time by the account holder by surrendering the pass book, unused or partially used cheque book, if any, etc. to the accounts office, along with the application in Form-2 for closure of the account.

10. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provision has been made in this Scheme.

11. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provision of this Scheme causes undue hardship to an account holder, it may, by order for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act.

[F.No.2/2/2018 NS (Pt.I)]

RAJAT KUMAR MISHRA, Jt. Secy.

Post Office Saving Account Scheme 2019 -PDF

The post Post Office Saving Account Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

National Savings Time Deposit Scheme 2019 – Gazette Notification

NOTIFICATION

New Delhi, the 12th December, 2019

G.S.R. 922(E).— In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme, namely:-

1. Short title and commencement.-

(1) This Scheme may be called the National Savings Time Deposit Scheme, 2019.

(2) It shall come into force on the date of its publication in the Official Gazette.

2. Definitions.-

(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account opened under this Scheme;

(b) “account holder” means an individual in whose name the account is held;

(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);

(d) “Form” means forms appended to this Scheme;

(e) “General Rules” means the Government Savings Promotion General Rules, 2018;

(f) “year” means a period of twelve months commencing on the date of deposit in an account.

(2) Words and expressions used herein but not defined shall have the meaning respectively assigned to them in the Act and in the General Rules.

3. Categories of accounts.-

There shall be four categories of time deposit accounts, namely, One-year account, Two-year account, Three-year account and Five-year account in which a deposit may be made for a period of one year, two years, three years and five years respectively.

4. Type of Accounts.-

(1) On an application to the accounts office in Form-1, an account can be opened by the following-

(i) a single adult;

(ii) upto a maximum of three adults in joint names;

(iii) a minor who has attained the age of ten years;

(iv) a guardian on behalf of a minor or a person of unsound mind.

(2) An individual may have more than one account in his name or jointly with another.

5. Deposit and repayment.-

(1) There shall be only one deposit of not less than one thousand rupees and any sum in multiples of one hundred rupees in an account.

(2) The deposit shall be repayable after the expiry of a period of one year, two years, three years or five years, as the case may be. Deposit in the account may be repaid to the account holder on an application in Form-2 submitted to the accounts office.

6. Extension of Account.-

(1) Where a deposit in an account has become due for repayment, the account holder may at his option by making an application to the accounts office in Form-3, may further extend the account for another tenure for which the account was initially opened.

(2) Where an extension is made under sub-paragraph (1), the option for extension shall be exercised as specified in the table below:

TABLE

(3) Where option of extension of deposit is exercised within the period specified in sub- paragraph (2), interest applicable to the category of account under the Scheme on the date of repayment shall be payable.

(4) The account holder shall be allowed to extend the account as per sub-paragraph (2) only twice after the initial repayment date.

(5) Option to extend the account as per sub-paragraph (1), may be exercised by the account holder at the time of opening of the account also. However, the account holder may revoke the option to extend the account any time before the date of repayment.

7. Rate of Interest.-

(1) The rate of interest as specified in the table below shall be applicable to the deposits under the Scheme.

(2) Interest shall be compounded on quarterly basis and payable to the account holder at the end of each year during the period of deposit.

(3) Where the interest contains part of a rupee and if such part is fifty paisa or more, it shall be rounded off to one complete rupee and if such part is less than fifty paisa, it shall be ignored.

(4) The rate applicable on the date of opening of the account shall apply till maturity.

(5) The interest shall be payable annually and the year shall be reckoned from the date on which the account is opened.

(6) If the date of payment of interest falls on a non-working day, the payment shall be deemed to be due on the working day immediately preceding.

(7) No additional interest shall be payable on the amount of interest that has become due for payment but not withdrawn by the account holder.

(8) The annual interest may be credited to the savings account of the account holder at his option.

8. Premature closure of account.-

Premature closure of an account shall be allowed on an application by the account holder in Form-4, subject to the following conditions, namely:-

(a) no deposit shall be withdrawn before the expiry of six months from the date of deposit;

(b) where a deposit in a one-year, two-year, three-year or five-year account is withdrawn prematurely after six months, but before the expiry of one year from the date of deposit, interest shall be payable to the account holder at the rate applicable to Post Office Savings Account for the completed months;

(c) where a deposit in a two-year, three-year or five-year account is withdrawn prematurely after the expiry of one year from the date of deposit, interest on such deposit shall be payable to the account holder for the completed years and months, commencing on the date of deposit and ending with the date of withdrawal, and such interest shall be calculated at the rate which shall be less by two per cent. points than the rate specified for a deposit of one-year, two-year or three-year, as the case may be and interest for the completed year shall be calculated on quarterly compounding basis in accordance with the provisions of paragraph 7, and for any part of a year, interest shall be payable as per provision of sub-paragraph (b):

Provided that if a five year Time Deposit account is closed after four years from the date of deposit, rate admissible for three-year Time Deposit account shall be applicable for calculation of interest under this paragraph;

(d) any interest already paid on the deposit under paragraph 7 shall be recovered from the amount of repayment of deposit and the interest payable under this paragraph.

9. Pledging of an account.-

(1) An Account may be pledged or transferred as security, on an application made by the depositor in Form-5 supported with acceptance letter from the pledgee.

(2) Transfer of an account under this paragraph may be made to-

(a) the President of India or the Governor of a State in his official capacity;
(b) the Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a Co-operative Bank;
(c) a public or private corporation or a Government company;
(d) a local authority; or
(e) a housing finance company approved by the National Housing Bank and notified by the Central Government:

Provided that the transfer of an account opened on behalf of a minor or a person of unsound mind shall not be permitted under this paragraph unless the guardian of the minor or the person of unsound mind, as the case may be, certifies in writing that the minor or the person of unsound mind, as the case may be, is alive and that the transfer is for the benefit of the minor or the person of unsound mind.

(3) When any account is transferred as security under sub-paragraph (1), the authorised officer shall make the following endorsement in the record of the Account, including the Savings Certificate, namely:-

“Transferred as security to …..” .

(4) Except as otherwise provided in this scheme, the transferee of an account under this paragraph shall, until it is re-transferred back under sub-paragraph (5), be deemed to be the depositor.

(5) An account transferred under this paragraph may, on written authority of the transferee, be transferred back with the previous sanction in writing of the authorised officer and when any such retransfer is made, the authorised officer of the accounts office shall make the following endorsement in the record of the account, including Certificate, namely:-

“transferred back to……”.

(6) A blind or a person with physical infirmity making him incapable of operating the account may pledge his deposit through any literate individual whom he authorises for this purpose.

10. Payment on the death of the account holder.-

(1) In the event of death of the depositor of a single account or of all the depositors in a joint account, the deposit in the account shall be payable to the nominee or legal heir(s) as the case may be.

(2) If there are two or more surviving nominees, the deposit in the account shall be paid in the proportion as specified by the depositor while making the nomination, and if no such proportion or share is specified, then in equal proportion to all the surviving nominees.

(3) If any nominee dies, his specified share in the amount of deposit shall be distributed among the surviving nominees in the same proportion as their specified shares.

(4) Where the surviving nominee is a minor, the payment shall be made to a person appointed by the depositor to receive such payment and, if no such person has been appointed, to the guardian of the minor.

(5) Where there are not more than three surviving nominees or legal heirs, they may, at their option, continue the account and receive the amount of deposit alongwith interest in the manner provided for in this Scheme, as if they had opened the account themselves if they are otherwise eligible to make deposit under this Scheme.

(6) Where the account is not continued under sub-paragraph (5), it shall be closed and the amount of deposit outstanding in the account shall be repaid with interest and such interest shall be allowed for the period for which the deposit has remained in the accounts office and the rate of such interest shall be paid as under.

(i) as specified under paragraph 7, for completed years not exceeding the period for which the deposit was made; and
(ii) for any period thereafter in completed months at the rate applicable to the Post Office Savings Account from time to time.

(7) On the death of one or two of the account holders in a joint account, the surviving account holder or holders, if any, shall be treated as the owner or owners of the account and such account holder or holders may continue the account or close the account in the manner specified under sub-paragraph (5) and (6).

11. Application of General Rules.-

The provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no provision has been made in this Scheme.

12. Power to relax.-

Where the Central Government is satisfied that the operation of any of the provisions of this scheme causes undue hardship to an account holder, it may, by order for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act.

[F. No. 2/2/2018 NS (Pt.I)]

RAJAT KUMAR MISHRA, Jt. Secy.

National Savings Time Deposit Scheme PDF

The post National Savings Time Deposit Scheme 2019 – Gazette Notification appeared first on Central Govt Employees - 7th Pay Commission - Staff News.

SMS Content for DoP Products through IPPB Mobile Application

F. Mo. 6-1/2019 – PBt (Pt.)
Government of India
Ministry of Communications
Department of Posts
(PBI Division)
********

Sansad Marg, Dak Bhawan
New Delhi, Dated: 10th December, 2019

SMS Content for DoP Products through IPPB Mobile Application.

*****

AS pet available data currently there are 9.29 crores active single (not joint) POSA accounts out of total 10.45 active POSA accounts. whereas only 1.28 lakhs POSA accounts have been linked to IPPB as on 20.02 2019 Secretary (Posts) has reiterated time and again, the need for linking POSA account to IPPB. Linking of POSA with IPPB offers not only complete bouquet of banking services to existing POSA customers (including free movement of funds from IPPB to POSA and vice-versa, Bill payment, online fund transfer doorstep, services etc), but also offers the following advantages to the Department –

(i) It provides alternate channel for deposits and withdrawal from POSA account. There is also need lo encourage existing direct RD customers. SSA and PPF customers who visits post offices for deposit of installments and contributions to make these not at the counter but through digital channels. The not only reduces rush at the counters but results in less cash requirement at Post offices and reduces cash management costs. This will also help to fulfill the governments vision of less cash economy and more Digital transactions.

(ii) With reduced queue at the counters. counter PA can provide better and customized services to existing and new customers resulting in cross selling of all postal and financial services.

2 IPPB is promoted by the Department and 100 % owned by the Government it is also adds to the number of financial services and products available through the Post Office. Therefore, it is requested to send customized SMS from your end to all customer and end users for information of facilities being provided List of proposed customized SMS is at Annexure – I.

3 It is also requested that the content of the these messages be used on posters in Post Office and jingles and any other marketing and communication done by Circles and IPPB Branches PBI Division may be informed about the progress of the implementation.

Yours sincerely

(Manisha Sanha)

To,
An CPMaG

Copy to :- CEO & MO, IPPB Ltd _ New Delhi – 110 001 for information.

SMS Content for DoP Products through IPPB Mobile Application

Annexure – I

List of customized SMS

Source: Click here to view/download the PDF

The post SMS Content for DoP Products through IPPB Mobile Application appeared first on Central Govt Employees - 7th Pay Commission - Staff News.