This is
regarding omissions and mistakes occurred in SB transaction and the reason for
raising OMs brought to your notice for future guidance and to avoid such
mistakes in future. All are requested to pay an additional effort to
minimize these mistakes and reduce the number of OMs.
1. The vouchers should be arranged
by the transaction ID wise, stitched and sealed intact.
2. Separate
consolidations for SO i.e. BRN and BO i.e. SDP should be forwarded along with
the vouchers. Total Deposit amount, Withdrawals amount, etc
should be written manually on the consolidation for each category along with
the No.of transactions.
3. Closure vouchers (SB - 7A)
should invariably attach with SB-3 card and KYC documents.
4. The Account number, Amount and
Transaction date should not be overwritten on the Vouchers
5. In respect of withdrawals
allowed at Sub Office, compulsorily the SS should be verified by the SB counter
PA irrespective of the amount. When the amount exceeds Rs.5000/-,
SPM also should verify and put his initial in the appropriate place in token of
having verified.
6. Date stamps should be impressed legibly
in the SB3 cards, LOTs and vouchers.
7. When the amount
of withdrawal exceeds Rs.20,000/-, payment
should be effected only by Cheque or by giving credit in
Savings account of the depositor, where the
Cheque Number or SB A/C Number should be noted in the
acquaintance portion of the SB-7/SB-7(a).
8. For transactions exceeding
Rs.10,00,000 for all categories and above the source of income is to be
obtained and kept in SO guard file, with the remark in the voucher “SOURCE OF
INCOME OBTAINED” AND SIGNED BY THE SPM WITH SEAL to avoid IR paras.
9. In respect of AT
transactions for various categories (MIS, 1 YR TD, 2 YR TD, 3 YR TD, 5 YR TD,
SCSS), the print out of the AT list generated in Finacle for each category
should be kept along with the consolidation and a separate voucher for the AT
amount duly signed by the SPM should be kept in the voucher bundle.
10. Any corrections in the consolidation
must be supported by an Error Entry copy.
11. Normally Messenger service is not
allowed for all Closure. (Dte Order No 15/2010). When it is
specifically required, the Payment should be made to the messenger only through
account payee Cheque drawn in favour of the depositor, after receiving the
letter of authorization from the depositor.
12. Necessary certificate should
be obtained both on the application and payment order side, while making
payment made to illiterate depositor Witness should be
obtained with full address.
13. When the deposit/withdrawal exceeds
Rs.50,000/-, PAN particulars/form-60/form-61 to be obtained.
14. PAN number to be mentioned in the
deposit form and same to be updated in concerned depositor CIF
15. If the Revised SB3 card prepared
for any closures , the PA / SPM / APM should put their signature in
the SB3 card after adding the word “KYC documents verified and attached” with
Copy of ID proof which is self-attested by the Customer. All the supporting
documents must have the date stamp in it.
It is requested to follow the above
instructions, besides the rules and instructions issued by the Department then
and there. It is to be noted that, the rules framed and instruction issued by
the department will supersede the above instruction and always hold good.
Postmaster /
Supervisor SBCO
