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........ CITIZENS DUTY & SLOGAN ::: It shall be the duty of every Citizen of India to defend the Country and render National service when called upon to do so ... SLOGAN ::: "That loyalty to the Country becomes ahead of all other loyalties. And this is an absolute loyalty since one can not weight it in terms of what one receives" (Lal Bahadur Shastri) ..... face book page link for 4th AIC of AIPEU GDS ... ......... .......

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......... .............. CONGRATULATIONS TO THE SELECTED CANDIDATES FOR THE POSTS OF GDS ..................... 4th All India Conference of AIPEU GDS - 8th & 9th October 2022 -- Kasaragod - Kerala ......


... ... Dear Comrade newly elected Divisional / Branch Secretaries of AIPEU-GDS -- PLEASE SEND YOUR POSTAL ADDRESS WITH PIN CODE, MOBILE NUMBER, E-MAIL ID THROUGH SMS TO .. 6294343737 / 9748659815.. OR BY E-MAIL TO >< IMMEDIATELY................... CRUSADER TO GRAMIN DAK SEVAKS (2nd Edition -2016) is ready and can place indent to AIPEU GrC (CHQ), NEW DELHI-8....... One copy Rs.225/- (560 pages) ..... Send e-MO for Rs.250/- to receive one copy of the Book by Regd. Book Paket..........

Wednesday, July 29, 2020

Instructions for ensuring timely processing and delivery of Rakhi mail ...............

COVID-19 : Guidelines for Unlock-3


Uniform Common CBS Passbooks Categories SB5 and SB5A and its Usage

Two uniform common CBS Pass Books (SB-5) and (SB5A) have been introduced.
SB5 will be used of SB/RD/MIS/SCSS/SSA and PPF schemes 
whereas SB5A will be used for NSC/KVP and TD Accounts.
         The entries in the said CBS Pass Books will be made through Pass Book printer only. The uniform common CBS Pass Books need to be stitched and not stapled so that it can be Pass Book printer friendly. Information and entries shown in the CBS Pass Books is for the information of public and there will be no legal liability of the department with regard to the balance or transactions shown in the CBS Pass Books. Entries relating to Penalty Fee charged in case of RD and PPF as well as Rebate paid only should be made manually by hand by the user. Except these entries, no entry should be made by hand in the passbooks in any departmental post office.
Pass Book:-The uniform common pass book in the form SB-5 will be used. The amount of deposit of Principal amount will be shown under the column deposits and entry of monthly interest paid will be made under withdrawal column. Approximate amount of Monthly interest to be paid shall be printed on the first page of the Passbook. 

CBS Pass Book:- A uniform common passbook in the form (SB-5A) devised for NSC, KVP and TD accounts will be used. All entries in the Passbook should be printed through Passbook printer. However, whenever, Passbook printer is not working, the amount of deposit and repayment in TD accounts should be written both in words and figures in the CBS Pass Book. In order to denote the correct category of account category of account i.e 1/2/3/5 as the case should be written on the title cover of the CBS Pass Book.


Schedule of Commission for Postal Franchises Outlet

FO Commission configured in SAP Module:

As per SOP of Franchises Outlet - Commission
20% Additional Commission to be paid to the Franchises Outlet for booking of Registered articles and speed Post articles beyond 1000 articles (total of all two categories) per month


Resumption of bookings of all types of mail for all delivery locations in the country with effect from 1st August 2020 ....

Regarding provision to view booking and delivery information of bulk Registered articles booked by Hon'ble High Courts across the country ...

Tuesday, July 28, 2020

GDS :: Revision of "Schedule of Engaging Authority, Disciplinary Authority, Appellate Authority"" under Rule-31 of GDS (C&E) Rules, 2020 ....


West Bengal Circle :: Closure of Postal Establishments on 29-07-20


Hand sanitizers shall be exempted from the requirement of sale licence for its stocking or sale .... Gazette Notification (28-07-2020)


India Post ATM Transaction and Charge details

Charges in respect of different types of ATM transactions are given below which can be amended from time to time. 

ATM transaction / charge details

  • Daily ATM cash withdrawal limit INR. 25000/-
  • Cash withdrawal limit per transaction INR. 10000/-
  • Charges for transactions done at DOP ATMs Free (Both Financial & Non Financial) with a limit of 5
  • Financial transactions per day
  • Permissible free transactions at other Bank ATMs(per month)
  • Metro Cities - 3 free transactions (Both Financial & Non Financial)
  • Non Metro Cities - 5 free transactions (Both Financial &Non Financial)
  • Charges after exceeding permissible free transaction limit at other Bank ATMs
  • Financial & Non Financial Transactions - Rs 20 + Applicable GST


Monday, July 27, 2020

Send your Rakhi through Speedpost Post early due to COVID19

Disposal of unused / discontinued KVP / NSC certificates at CSDs ....

What is difference between Available balance and Effect balance in Savings Account in Finacle?

How to see balance in SB Account at the time of deposit and withdrawal in Finacle Application?

Many POs raise the issue of BBT (Balance before transaction) in Finacle like legacy system. When HTM is invoked, available balance and effective available balance can be viewed. Effective available balance is the eligible amount of withdrawal.

Available Balance : Balance Available in the Account.

Effect Balance : Eligible amount of Withdrawal from the account through Finacle

For example, One Customer approach the Branch Post Office on 01.01.2020 for withdrawal of amount of Rs.7000/- from his account. On that day, he has balance in the SB Account is Rs.23000/-.

Branch Postmaster creates the High value request through RICT Device for the said customer on the same day. In this stage, the lien request will be created for the customer requested amount and the will not affect the effective balance

On end of the day, BPM submit the Withdrawal application along with Passbook to the Account office for issuing sanction for the high value withdrawal. On next day, At Account Office Counter PA checks the balance and signature then pass the requested amount if the signature tallied.

Head of the Account Office approves the high value request in Finacle. In this stage the lien marked for the requested amount and now the effective balance will be deducted Rs. 7000/- from the available balance of Rs.23000/-

Now, Customer account Available Balance Rs.23000/- and Effective Balance Rs.16000/-.

Once the high value approved, the amount of Rs.16000/- is only eligible to withdraw at Account Office or any other CBS Post Office.


Sunday, July 26, 2020

Com.R.Sivannarayana passed away ..... (26-07-2020)

Com.R.Sivannarayana, former All India President, AIPEU GrC passed away today (afternoon) in Guntur (Andhra Pradesh). 
For the last 3 months he was attended medical treatment in Chennai for his serious illness and return to Guntur two days back. He again admitted in hospital yesterday and breath his lost today afternoon at 02-30 hrs. Cremation of mortal remains of Com.R.S.N will be taking place tomorrow morning in Guntur.
He is very familiar with this cheerful appearance, bold, open mind, soft character besides his louder voice while making organizatioal speeches. A memorable personality in appearance and lovable in nature.
His journey from Division level to All India level is very inspirational and shows his commitment towards the banner of NFPE. 
He extended his services for the Union from 1997 in various capacities in   P-III / AIPEU GrC CHQ viz., Vice President, Working President, Asst. General Secretary, Dy.Genl Secretary, General Secretary (Offg.) and All India President.(till his retirement) associated with 4 General Secretaries of Gr.C CHQ.
He served the Union by staying in CHQ, New Delhi for more than 6 six years and shared his life with Com.M.Krishnan & Com.K.V.Sridharan.
The contribution of his services in framing the publications of Gr.C CHQ (Venture, Hand Book, Pioneer, GDS Crusader etc.,) is remarkable and appreciated.
His services for the organizational activities of AIPEU GDS from Division level to All India level in all the Circles boosted for its growth and strength.
We lost a guide and good organizer for GDS Union but we make up ourselves to follow the commitment & dedication taught by him.
On behalf of AIPEU GDS CHQ, we dip our banner in respect of the demise of Com.R.Sivannarayana.
With deep grief, shedding with tears paying tributes to the departed soul of Comrade R.S.N & expressing condolences to the bereaved family members.
  General Secretary


Saturday, July 25, 2020


India Post, Mumbai launches distinctive water-proof Rakhee envelopes -- PIB

Ministry of Communications

India Post, Mumbai launches distinctive waterproof Rakhee envelopes

Posted On: 24 JUL 2020 4:12PM by PIB Mumbai
Mumbai, 24 July 2020 
With the Raksha Bandhan festival round the corner, India Post, Mumbai has launched a special kind of envelope to carry rakhis to deliver them to their destinations in minimum time period.   The envelope is a non-tear, water-resistant self-adhesive envelope with interplay of vivid colors throughout.  Reasonably priced at Rs 10, these special envelopes will be available in all the post offices from Saturday, July 25th.
“These envelopes bearing distinctive characteristics are an innovative attempt of India Post, Mumbai, to keep the spirit of love and festivity unabated, even at times of crisis and to strengthen the emotions of love and brotherhood amongst people” said Ms Swati Pandey, Postmaster General, India Post, Mumbai. She further said that all mails of Raksha Bandhan will be treated as first class mail, helping them reach their destination before/on the day of the occasion, by latest, at the cost of an ordinary mail. The colourful design of the envelopes will facilitate its easy identification and aid quicker transmission.  “Even during this critical period of partial lockdowns and challenges, India Post will ensure that all mails related to Raksha Bandhan reach their destinations”, the Post Master General added.
Similar special envelopes have been introduced in other postal circles as well.
* * *
DJM/ST/DR (Release ID: 1640910) 


Booking of International EMS & International Tracked Packet .......



Acceptance of Deposits in absence of the CBS Passbook

The presentation of the CBS Passbook is necessary for making a deposit in a RD account of an illiterate depositor or where account stands in EDBO. In all other cases, deposits should be accepted without production of the CBS Pass Book and Passbook can be updated from the Passbook printer as and when presented by the depositor or his/her agent. It is the duty of the customer to update his/her passbook at least once in a 6 months. 

Vide POSB (CBS) Manual Volume Rule No.75

  • Submission of Passbook for RD Deposits is mandatory for Branch Office Account and illiterate Account. 
  • All other cases are exempted while accepting RD Deposits without production of Passbooks. 
  • Passbook can be updated only from Passbook Printer
  • It is Customer duty to update RD passbook at least once in 6 months.


Friday, July 24, 2020

What is Penal Interest?. How to Calculate?

Amounts defrauded from S.B. Accounts to Departmental Officials and not accounted for in the books of the Department.

58(1) After satisfying himself about the bonafides of the claim of the depositors in respect of defrauded amount, the Head of Circle/Regional Director/ Divisional Superintendent will approach CEPT Team to check whether defrauded amount can be restored in the accounts. In cases where CEPT approves restoration, the competent authority should issue sanction for the restoration of the defrauded amount with interest thereon up to the end of the year preceding the year in which the amount is restored to the account. The amount of interest to be restored to the account will be calculated by the Head Post Office and checked by the S.B. Control Organisation. In cases where restoration is not admissible, sanction will be issued for directly paying the defrauded amount to the claimant by Cheque. Accounts standing in CBS application should be closed in such cases in closure proceed paid to the depositors as per laid down rules.

Note :- The Head of Division(irrespective of status of the division) and Group 'A' Postmasters can sanction the claims upto Rs. 5000/- in each case regardless of the aspect of recovery of the loss subject to the condition that sanctioning authority has to ensure that there has not been any negligence on the part of the defrauded person in contributing to the fraud and also that settlement of claim will not cause any hindrance in concluding the enquiry, fixing responsibility and taking appropriate action against the officials at fault. These powers will be exercised personally by the Divisional Heads/Group 'A' Postmasters. Regional Directors are vested with powers to sanction claims without any limit. (DG Posts Letter NO. 8-5/2003-Inv(Pt) dated 5.6.2003)

(2)          Immediately on receipt of the sanction for restoration of amount, the Head Postmaster should credit the amount in the respective account (principal) and Interest should be credited by using HIARM menu by Supervisor SBCO. The net loss sustained by the department in respect of principal amount (arrived at after taking into consideration the deposits and withdrawals not accounted for by the departmental official) and interest thereon should be entered in the schedule of unclassified payment(UCP) by per contra entry as deposit (Total amount) in the list of transactions. Complete details of the charge should be given in the remarks field of the account and in column 3 of the schedule of unclassified payment to enable the Postal Accounts Office to classify the amounts properly.

(3)          When the amounts defrauded are to be recovered from the officials at fault, penal interest should be calculated in the manner prescribed in Rule 156(2) of the Central Government Compilation of General Financial rules, extract given below, on the amount outstanding from time to time for the actual number of days such amounts remain outside the custody of Government.

Rule 156 (2):- “A loan shall bear the interest for the day of payment but not for the day of repayment.  Interest for any period shorter than a complete half year shall be calculated as :-

Number of day x yearly rate of interest

unless any other method of calculation is prescribed in any particular case or class of cases.”

(4)          The penal interest will be recovered at the rate of 2 ½ % per annum (compound) over and above the rate of interest fixed from time to time for the various types of accounts and savings certificates for the period during which the amount was defrauded. The amount of penal interest will be calculated by the Head office and intimated to the punishing authority after check by the Control Organisation.

(5)          The interest may be recovered from the depositor/investor on the amount paid in excess for the actual period (total number of days) for which the amount excess paid is retained by him if the period is less than a complete half year. This will be done in the manner prescribed in sub para (3) above.

(6)          The normal rate of interest payable on each type of account or certificate and not the post-maturity interest rate will be applicable.

(7)          If the period is more than a year, the interest will be recovered at the compound rate of interest.

Note:- In case of recovery of interest from the members of the public to whom double or excess payment on account of discharge value of savings certificate or in any type of account due to negligence of the departmental officials and the amount over paid was retained by the depositor/investor for the considerable period till its refund at the instance of the department, the interest at normal rate only should be recovered from the depositor on the amount paid excess and for the period the amount was retained by him. The term “normal rate” means the rate of interest which was paid to the depositor/investor on his account/certificates, as the case may be. In case it is proved on enquiry that the member of the public defrauded the department by taking double payment deliberately, the desirability of instituting a criminal case may also be kept in view.

Fox Eg. SB scheme 
Normal Int rate = 4.0 %
Penal Int rate = 2.5 %
Total = 6.5 %

Sl No
Account No
Date of Suppression
Date of Credit
No. of Days
Normal Interest
Penal Interest
 6.5 %

Defrauded Amount
Rs. 39500
Total Interest ( Rounded off)
Rs    1723
Total Recovery
Rs  41223
** The penal interest will be recovered at the rate of 2 ½ % per annum (compound) over and above the rate of interest fixed from time to time for the various types of accounts and savings certificates for the period during which the amount was defrauded.

Source : SB Order 5/2018 (CBS Manual), Page No. 61, 62


Department of Posts extends all small savings schemes upto the Branch Post Office level -- PIB

The decision aims to empower Rural India by bringing all Post Office Savings schemes  to their doorsteps
Posted On: 24 JUL 2020 7:57PM by PIB Delhi

        In order to strengthen its network and postal operations in rural areas and provide facility of small savings scheme to the vast majority in villages, the Department of Posts has now extended all small savings schemes  upto the Branch Post Office level.
          There are 1,31,113 Branch Post Offices functioning in the rural areas. Apart from facilities of letters, Speed Post, Parcels, electronic money order, Rural Postal Life Insurance, these Branch Post Offices had been providing Post Office Savings Account, Recurring Deposit, Time Deposit and Sukanya Samriddhi Account  schemes till now.
          The new order has allowed Branch Post Offices to offer facilities of Public Provident Fund, Monthly Income Scheme, National Savings Certificate, Kisan Vikas Patra and Senior Citizen Savings Schemes also. People living in villages will now be able to get the same Post Office Savings Bank facilities which people in urban areas have been availing. They will be able to deposit their savings into these popular schemes through the post office in their village itself.
            This is another step taken by the Department to empower Rural India by bringing all Post Office Savings schemes  to their doorsteps.
(Release ID: 1641027) Visitor Counter : 117