Shortnotes

Paper-I
POST OFFICE GUIDE PART-I
The entire country has been divided into 23 Postal Circles

Night Post Offices-
The Director-General may extend the working hours of any post
office up to 8:30 P.M. and keep them open on Sundays also.
Franking Machine :- For being recognized valid, the impressions of ‘frank’ should consist of the
following dies :-
(a)Value Die and (b) Licence Die.
The holder has to pay License Fee of Rs.375 for a period of five years. The holder must reset the
EFM when the amount at Credit falls to Rs.100.
Delivery of parcels and period of their detention at the office of delivery –

parcel which does not exceed 10 Kg. in weight (except Value-payable parcel and those addressed
to Poste Restante) will be issued for delivery only once
Delivery of insured articles. – An article insured for any sum not exceeding Rs. 500 will be
delivered in the ordinary manner. An article insured for more than Rs. 500 will be delivered only at
the Post Office window.
Post Boxes. Rs.150 yearly and Rs.50 qrtly PO Box & Bag Rs.250 yrly. Rs.80 qrty,
Identification Cards. – Fee Rs.9/- in the form of postage stamps.
Disposal of Poste Restante Articles. – (1) A Poste Restante article (except valuepayable) is kept
in the post office to which it is addressed for a period not exceeding one month.
Re-direction fee on parcels. – A parcel re-directed to any place served by the inland post will
except where the original address and the substituted address are within the delivery area of the
same post office or are within the same post town, be chargeable in respect of each redirection
with further postage amounting to half the prepaid rate. Such re-direction is not, however,
undertaken unless the addressee or his agent gives written instruction in the matter.
Letter
Rate of Postage -Rs5/-for every 20 grams or part thereof
The communication is enclosed in an envelope and addressed.
Maximum weight 2 kilograms
Inland Letter Card
Rate of Postage - Rs 2.50
Maximum weight 5 grams Inland Letter Card shall be made of paper of minimum 70 GSM.
Post Card
Rate of Postage
Single Postcard - Rs. 0.50
ReplyPostcard - Rs 1.00
PrintedPostcard - Rs 6.00
Meghdootpostcard - Rs 0.25
SECOND CLASS MAIL ARTICLES
Rate of air surcharge on second class mails-
For the first 50 grams or fraction thereof -Rs 2.00
For every additional 50 grams of fraction thereof-Re 1.00
Book Packet
For the first 50 grams or fraction thereof -Rs 4.00
For every additional 50 grams of fraction thereof-Rs 3.00
Book Packet containing Printed Books
For the first 100 grams or fraction thereof -Rs. 1.00
For every additional 100 grams of part thereof –Rs. 1.00
Book Packet containing periodicals
For value uptoRs. 20/-
For the first 100 grams or fraction thereof - Rs. 2.00
For value uptoRs. 21/- to 50/-
For the first 100 grams or fraction thereof - Rs.4.00
For value exceeding Rs. 50/-
For the first 100 grams or fraction thereof -Rs.8.00
Registered Newspaper
Rates-Single Copy
For a weight not exceeding 50 grams- Rs 0.25
For a weight exceeding 50 grams but not exceeding 100 grams-Rs 0.50
For every additional 100 grams or part thereof - Rs 0.20
More than one copy of the same issue
For a weight not exceeding 100 grams -Rs 0.50
For every additional 100 grams or fraction thereof -Rs 0.20
Blind Literature Packet
Rate of Postage – Free up to 7 kgs.
AIR SURCHARGE IS LEVIED IF SENT THROUGH AIR
Pattern and Sample Packet
Maximum weight 2 kilograms.
Postage charges:- Same as Book packet
Parcel:
maximum weight:
• unregistered parcel: 4 kgs,
• registered parcel ;20 kgs
Postage charges
For a weight not exceeding 500 grams -Rs 19.00
For every additional 500 grams or fraction thereof -Rs 16.00
Insurance Limit. Upto Rs. 600 in BOs and Rs. 100000 in other offices. (booking)
Value Payable Post:-
Value upto Rs.20/-= Rs.2
Above 20 but upto 50 = 3
Above Rs.50 = 5
If value exceeds Rs.500 ins. Compulsory.
Demurrage Charge on VP Articles for detention beyond 7 days
Service Service Fee
Parcel (per day) INR 3.00
Other Articles (per day) INR 2.00
BUSINESS REPLY SERVICE
During the During the During the During the
First Quarter Second quarter Third quarter Fourth quarter
1st April to Ist July to Ist Oct. to 1st January to
30th June 30th Sept. 31st Dec. 31st March
Rs.200 Rs. 150 Rs.100 Rs.50
Money Orders:-
Alteration in address or place of payment. === Free of cost
Alteration of payee’s name. == Second MO commission
Stoppage of payment == free of Cost.
Indian Postal Orders

Description. – Indian Postal Orders provide a convenient means of transmitting small sums of
money by post.
Period during which orders are Payable. – (1) If an Indian Postal Order is not presented for
payment within 24 months from the last day of the month of issue a second commission at the
rates prescribed will be charged which must be paid in postage stamps affixed to the back of the
order. Those authorized to use them may pay the second commission in Service Postage Stamps.
(2) Indian Postal Orders presented for payment more than 36 months after the last days of the
month of issue will not be paid but will be forfeited.
PHILATELY
(i) Philately is the hobby of collection and study of postage stamps.
— Commemorative- Issued to commemorate important events, prominent personalities in
various fields, aspects of nature, beautiful or rare flora and fauna, environmental issues,
agricultural activities, national/international issues, games etc.
Philatelic material includes

— Mint stamps (unused stamps)
— Commemorative stamps.
— First Day Covers (FDCs, which are issued with every commemorative stamp )
— Brochure (Information sheet accompanying each commemorative stamp )
— Collectors' Packs, year-wise
— Catalogue of Postage Stamps of India since 1947
Domestic Philatelic Deposit Account system. –

account can be opened with a minimum deposit of Rs. 200/- paid in cash, by M.O.
or by cheque/bank draft encasheable in India. (Out side India deposit Rs.1000/-)
The items are dispatched free on ‘Postal Service’ by registered post. If desired, they
will be sent by insured post. The actual insurance fee will, however, be debited against their deposit
accounts. A handling charge & Rs.10/- on each occasion, will also be levied. Such dispatches shall
be made once a month, during the first week of the month. The deposit should be replenished by a
sum of not less than Rs. 200/-.
Post Office Guide Part II.
Universal Postal Union:- All the countries of the world with few exceptions are the members of the
union known as “ Universal Postal Union” (UPU)
Head Quarters of UPU is BERNE (Switzerland).
Asian Pacific Postal Union:- APPU was established in 1961 with HQ at Manila (Phillippines)
India joined in APPU in 1973
Bulk Bag System: The system of Bulk bag is available for dispatch /receipt of special bags of
printed papers to/from addressees/senders in fgn. Countries.
Each bag shall weight not less than 5kg. and not more than 30 kg.
Aerogrammes:- Aerogramme is a category exclusively for air transmission. It consists of a sheet
of paper suitably folded and gummed.
Aerogramme should be weigh more than 3 grams.
Postal Life Insurance
Postal life insurance was introduced on 1-2-1884
Limit:- PLI Minimum Rs.20000 & Maximum 2000000
RPLI Minimum Rs.10000 & Maximum 500000
The Indian Post Office Act, 1898

(6 of 1898)
PRELIMINARY
1. Short title, extent, application and commencement.-
(1) This Act may be called the Indian Post Office Act, 1898.
(2) It extends to the whole of India and it applies also to all citizens of
India outside India.
(3) It shall come into force on the first day of July, 1898.
Power to fix rates of inland postage- (1) The Central
Government may, by notification in the Official Gazette, fix the rates of postage
PENALTIES AND PROCEDURE
49.Penalty for misconduct of person employed to carry or
deliver mail bags or postal articles.- shall be punishable with fine which may extend to fifty
rupees.
50. Penalty for voluntary withdrawal from duty, without
permission or notice, of person employed to carry or deliver mail
bags or postal articles.- punishable with imprisonment which may extend to one month, or with
fine which may extend to fifty rupees, or with both.
51.Penalty for making false entry in register kept by person
employed to carry or deliver any postal articles.- punishable with imprisonment for a term which
may extend to six months, or with fine which may extend to one hundred rupees, or with both.
52. Penalty for theft, dishonest misappropriation, secretion destruction, or throwing away of
postal articles.- punishable with imprisonment for a term which may extend to seven years, and
shall also be punishable with fine.
53. Penalty for opening, detaining or delaying postal articles.- punishable with imprisonment
for a term which may extend to two years, or with fine or both.
54.Penalty for fraud in connection with official marks and for
receipt of excess postage.- punishable with imprisonment for a term which may extend to two
years, and shall also be punishable with fine.
55. Penalty for fraudulently preparing, altering, secreting or destroying Post Office
documents.- punishable with imprisonment for a term which may extend to two years, and shall
also be punishable with fine.
Postal Manual Vol.II
Deposits of employees that remain unclaimed for three years after their refund becomes
admissible (for instance after an employee leaves the Department) are to be credited to
Government under the head “Miscellaneous Revenue”.
A general stock book (Form S.K.-1) must be kept in every office
to maintain the special form of stock register of bags [Form S.K.-1 (a)].
Emergent indents
Officers in charge of offices should prepare indents on the Depot, in form SK.-2 or form Genl.-18,
for articles of stock required for use in their offices;
Superintendents prepare indents for the articles required for themselves and for their inspectors.
In the case of branch offices under First Class Postmasters= by the Public Relations Inspectors
through the Postmaster. Indents for other branch offices should be prepared and sent by the Sub-
divisional Inspectors (Posts).
A Master Schedule in the prescribed form will be supplied to the undermentioned offices by the
officers noted against each :—
(1) First Class Head Post Offices (Form SK-4)
(2) Supdts. Offices (P.O. & R.M.S.) [Form SK-5and SK-5 (R)] Head of Circles
(3) Postal Training Centres
(4) Second Class Head Post Offices (Form SK-4) =Supdts. of Post Offices
(5) Sub-Post Offices [Form SK-4 (S)]
(6) Record Offices [Form SK-5 (R)] =Supdt., R.M.S.
The Master Schedule of Forms will be thoroughly reviewed after every 5 years
Postal Manual Vol.V

Transcription Centre.- A transcription center is a cell established in a
Sorting Office, situated normally at the Headquarters of the Circle or at any other convenient
Sorting Office in the Circle.
Trip.- A journey performed by a set of a section traveling on duty from
one end of its beat to the other is called a trip
Airmail bag: A blue dosuti bag should ordinarily be used for closing an airmail bag.Registered
articles should not be enclosed in a bag unless their
number exceeds 25 or they are bulky or there are insured articles for dispatch.The weight of an air
mail bag or air TB should not exceed 30 kg.
46. A Orders.- A orders are orders issued by a Superintendent, RMS
prescribing changes in sorting lists.
B Orders.- B orders are orders issued by a Superintendent, RMS for the
guidance of the subordinates in the performance of their duties in Mail Offices on all subjects
except alternations in sorting lists.
Airmail Bag:A blue dosuti bag should ordinarily be used for closing an airmail bag. Registered
articles should not be enclosed in a bag unless their
number exceeds 25 or they are bulky or there are insured articles for dispatch.The weight of an air
mail bag or air TB should not exceed 30 kg.
Trial cards.- Trial cards are service Post Cards [M 26 (a)] which are
employed for the purpose of determining the relative advantage of alternative mail routes or the
cause of detention to articles.
Half -yearly enumeration returns. - (1) During the second week of he
months of February and August of each year, i.e., from the 8th to the 21st, both days inclusive,
Postal Manual Vol. VII
Departments of a set of a sorting mail office – (1) Each set of a

Sorting Mail Office is divided, for the purpose of distribution of
work and responsibility, into the following departments :-
Department Designation of official in charge

a) Mail Department Head Sorting Assistant
b) Sorting Department Sorting Assistant
c) Registration Department Registration Sorting Assistant
d) Parcel Department Parcel Sorting Assistant.
Preparation of daily report (M.S.83). – (1) The Head Sorting Assistant is required to submit to the
Superintendent (or the Superintendent (Sorting) as the case may be)through the Record Officer, a
daily report in which the irregularities observed by him, or reported to him by the other Sorting
Assistants of the set must be brought to notice. The daily report
should be written by the Head Sorting Assistant from the rough
notebooks of the set.
Preparation of work papers – (1) The work papers for the next rip or working hours of the set will
be supplied by the Record Officer to the Mail
Agent or Head Mail guard / Mail Guard who should make the prescribed entries in them with the
assistance of any other Sorting Assistant of the set, as the case may be.
Mail abstract (M.42 for Transit Sections and M-43 for Mail
Offices) - (1) The mail abstract is divided into two parts, viz., “Mails”and “Bags”.
Closing of Bags) Statistical Justification.- Bags should
be closed strictly as per their statistical justification which is as follows:
(a) Surface L bags: More than 50 articles.
(b) Surface D bags: More than 50 articles, 6 registered letters.
(c) Air Mail PC: Between 50 to 150 articles.
(d) Air mail bags: More than 150 articles.
Checking the quality of sorting.- (1) Minimum frequently of visits.- The minimum frequency if
visit to Mail Offices for the Field Officers of RMS will be as follows:
(a) SSRMs/SRMs/ASRMs of Divisional Office of City
Divisions.- Three visits a week to mail offices; each night set once a fortnight, one Post Office a
week.
(b) SSRMs/SRMs/ASRMs of Divisional Office of non-citydivision.-
Once a week visit to a mail office at headquarter, 3 mail offices in a month outside the headquarter.
All the sets are to be visited including the SRO as well as one Post Office in that place.
(c) SRMs (Sorting) attached to mail offices.- Should visit one set of the Mail Office daily. Of
these, two visits will be to the night set every week.
(d) Sub-Divisional IRMs.- Once a week visit to each Mail Office at Headquarters; once a month
visit to all Mail Offices including all the sets and the SRO and at least one Post Office.
(e) Superintendents/ASRMs/IRMs attached to Mail Offices.-
Should spend major portion of time with the major set. (f) Superintendents of Post Offices,
Assistant Superintendent of Post Offices/Inspectors of Post Offices should also make it a point to
visit regularly the Mail Offices to which Post Offices are consigning makes (i) to check the quality of
Post Office sorting and (ii) to examine and design a suitable system of Post Office sorting in their
jurisdiction.
Checking of bags –
(a) The Head Sorting Assistant and Supervisor of the sets should check a minimum of three sorting
bags and five stations bags received and dispatched daily, so that, all the bags received and closed
are covered within a cycle of 28 days. Apart from this, a minimum of two bags closed for the local
Head Office or delivery TSO should be checked by the Head Sorting Assistant and Supervisor.
(b) The ASRMs and IRMs as well as the Superintendent Sorting attached to Mail Offices should
examine not less than 5 sorting bags opened and closed and 5 station bags.
Sample Surveys of Mail.- In order to test the efficiency of
the mails system and to devise remedial steps to be taken in this regard, samples surveys are to be
undertaken as follows:
1. Metro Mail survey
(i) It will be carried out in respect of Metro Channel in the cities of Chennai, Delhi, Mumbai, Kolkata,
Hyderabad and Bangalore.
(iii) One Gpo, TWO Sub-Post Offices and one Head Post Office should be selected for the survey.
(v) 25% of the total mail received in the Post Offices is to be studied.
(vii) The survey is to be undertaken in the month of September.
2. All India Mail Survey
(i) The survey has to cover Home District, Home Circle, Neighbouring Circle and Distant Circle
mails.
(ii) The survey will be conducted in one selected P.O. in each Division. The Post Office can be a
Head Post Office or a Sub-Post Office.
(iii) The Heads of Circles will chalk out the Survey Programme in such a way that at least 25% of
the Post Offices selected are in rural areas.
3. Live Mail Survey (monthly)
(i) The survey is to be conducted in one delivery Post office in each Postal Division.
(iv) 25% of the Post Offices selected for the survey should be in rural areas.
(v) At least 25% of the total mails received in the Post Office selected is to be studied.
BAG ACCOUNTING
The new system of bag accounting was introduced with effect from 1 -7-1971 in respect of blue
airmail bags and later extended for all bags.
Memo of authorized bag balances.-
(i) For Unit Bag Offices and District Bag Offices.-
(a) Minimum: No. of bags required for dispatch for day plus 10%
(b) Maximum: Minimum plus 25% in case of surplus offices
(ii) For Circle Bag Office.-
(a) Minimum: No. of bags required for dispatch per day plus 10%
for surplus offices and four times the number of bags dispatched in case of deficit offices.
(b) Maximum: No limit.
Joint verification of bag accounts and inter-circle linking arrangements.-
Joint Verification of inter-circle bag accounts is done annually to reconcile the discrepancies and
settle the differences among the Circles in the number of bags received and dispatched and to
assess the correct number of surplus or deficit bags of each Circle. The annual exercise centrally
ordered by the Directorate.
Changes in inter-circle mail arrangements will be ordered only once in two months, i.e., on Ist
February, April, June, August, October and December.l
Postal Manual Vol.VI
Nominal Roll:- (MS-11) Nominal Roll is a record of the postal assistants actually at work in a post
office on any given day. It should be written up by the postmaster whenever a change, either
temporary or permanent, is made in the duty of any member of the clerical staff. A nominal roll on
similar lines may also be maintained for postmen staff and village postmen in offices when their
strength is more than 25.
Village Sorting List:- It will be prepared by the Sub-divisional Inspector.
Yearly village return:- It should be kept by the sub-account assistant in the prescribed form
showing the number of articles of all sorts (including MO)received for delivery for each village within
the delivery jurisdiction of the office. The compilation this return should synchronise with that of the
first Enumeration Return in the month of February of each year.
Remittance of cash & stamps:- Cloth bags should be used in cases of remittance not exceeding
Rs.500 in currency notes. Leather cash bags should be used when the amount of currency notes
exceeds Rs.500 or it includes coins.
Book of Addressees Instruction (M-32):- Separate books of addressees instructions are
maintained for temporary and permanent instructions. Temporary instructions are valid for three
months and permanent instructions for three years. Lapsed instructions are scored out under the
initials of the postmaster.
Period of Currency of Money Order:- The period of currency of a MO is the period between the
date of issue of the MO and the close of the last day of the month following the month of issue.
All money orders remaining unpaid either to the payee or to the remitter at the expiry of the period
of currency will be treated as “Void”.
Voucher that is required in support of an entry in the daily account is not received.:- the item
should be admitted and included in the accounts of the account office as usual pending result of the
reference to the subordinate office. If the item of account cannot be properly classified in the
account office, it should be taken as UCR or UCP as the case may be pending the receipt of full
information.
Cash Office:- A cash office is a sub office which, in addition to performing the ordinary work of a
sub-office, serves as a dept for cash, which it supplies to or receives from other SOs.
Village Postman’s Register:- :- The village Postman’s register in Form MS 85 is kept by each
village postman who should enter in it, before he proceeds on his beat, the address of every RL/PL/
along with their No. The total amount of postage due on the unpaid articles of the letter mail should
also be entered by him in the register in the column provided.
Village Postman’s visit Book (MS 86):- Before proceedings on his beat, the village postman
must enter in it the date and day of the week on which he leaves the post office and names of all
the villages that he is required to visit regularly in the order in which they are to be visited.
Volume VIII
Jurisdiction and headquarters of superintendents. – (1) The Head of a circle should fix the
extent and the headquarters of each Superintendent’s division. The headquarters should ordinarily
be at the most central station in the division and always at one where there is a head postoffice.
Jurisdiction and headquarters of Inspectors;- The Head of a Circle should fix the extent and the
headquarters of each Inspector’s sub-division.
Weekly sorting orders. – All changes in the sorting arrangements of the circle should be
incorporated in a sorting order which should be issued weekly and numbered in a consecutive
annual series.
Minimum cash balance. – (1) The minimum balance of an office is the least sum that it should
ever be left with, i.e., the least sum that will enable the office to carry on its work until it can obtain
funds from the treasury or sub-treasury, or from its head office account office, or cash office, or until
its funds are likely to be replenished in the ordinary course by receipts from the public or from other
offices.
Maximum cash balance. – (1) The maximum cash balance of an office is the highest
sum that it should eve by allowed to have in its possession
Saving Bank
Interest rate applicable (w.e.f. 1.3.2001 is 3.5 per cent )/ From 1.12.2011 4%.
Silent Accounts :
An account, not operated during three complete financial years, shall be treated as ‘Silent
Account’.
A service charge @ Rs. 20 per year is charged on the last day of each year until it is reactivated.
In a silent account from which after deduction of service charge, the balance becomes NIL, the
account stands automatically closed.
Ø RECURRING DEPOSIT ACCOUNTS :

Account becomes discontinued after more than four defaults.
Advance deposits : (1) In an account which has not become discontinued account
under rule 7, deposits for not less than six monthly installments may be made in advance in any
calendar month at the option of the depositor and rebate on such deposits shall be admissible as
follow :
Premature closure :
Premature closure of accounts is permissible after expiry of three
years provided that interest at the rate applicable to post office savings
account shall be payable on such premature closure of account.
One withdrawal upto 50% of the balance allowed after one year.
Continuation after maturity :

· Permissible for a maximum period of five years.
POST OFFICE TIME DEPOSIT ACCOUNTS :
Types of Accounts:
1 Year maturity,
2 Years maturity,
3 Years maturity &
5 Years maturity.
A deposit with a minimum of Rs. 200and in multiplies of Rs.200 thereafter with no maximum limit.
W.E.F 1.4.2012 w.e.f. 1.12.2011 (Old)
1 Yr. A/c 8.20% 7.70%
2 yr. A/c 8.30% 7.80%
3 yr. A/c 8.40% 8.00%
5 yr. A/c 8.50% 8.30%
Premature withdrawal :
In case of premature closure of 1 year, 2 Year, 3 Year or 5 Year account on or after 01.12.2011, if
the deposit is withdrawn after 6 months but before the expiry of one year from the date of deposit,
simple interest at the rate applicable to from time to time to post office savings account shall be
payable.
In case of premature closure of 2 year, 3 year or 5 year account on or after 01.12.2011, if the
deposit is withdrawn after the expiry of one year from the date of deposit, interest on such deposits
shall be calculated at the rate, which shall be one per cent less than the rate specified for a period
of deposit of 1 year, 2 year or 3 years as mentioned in the concerned table given under Rule 7 of
Post office Time Deposit Rules.
Post maturity interest :

Post maturity interest “at the rate applicable to the post office savings accounts from time to time”,
is payable for a maximum period of 2 years.
MONTHLY INCOME SCHEME:

Deposit limits :
Minimum: rupees one thousand.
Maximum: rupees 4.5 lakhs in case of single and rupees 9 lakhs in
case of joint account.
The depositor’s shares in the balances of joint accounts shall be taken as
one half or one third of such balance according as the account is held by 2
or 3 adults.
Interest :
Interest @ 8.2 per cent/ per annum, payable monthly in respect of the
accounts w.e.f 1.12.2011 From 1.4.2012 8.50%
No, bonus is admissible from 1.12.2011.
Premature closure :
Premature closure facility is available after one year.
(i) If the account is closed on or before expiry of three years of opening of
such account, an amount equal to two percent of the deposit shall be
deducted and remainder paid to him and
(ii) If the account is closed after expiry of three years from the date of
opening of such account an amount equal to one per cent of the
Closure of account :
Account shall be closed after expiry of 5 years,
Post-maturity interest :- Where repayment of the amount,

has become due but has not been made, interest shall be allowed on the
amount due for a maximum period of two year from the date of maturity to the date of repayment
of the amount subject to the following conditions, namely :
(a) The interest shall be simple and shall be calculated at the rate applicable
from time to time to savings account of the type of single or joint account.
(b) For the purpose of payment of interest, any part of the period which is less
than one month shall be ignored.
(c) The interest shall be paid to the depositor in lump sum at the time of
repayment .
NATIONAL SAVINGS CERTIFICATE (VIII Issue):
Interest/maturity value :
With effect from 1st December, 2011, Maturity value a certificate of Rs. 100
denomination is Rs. 150.90 FROM 1.4.2012 8.60%
Premature encashment :
Premature encashment of the certificate is not permissible except at a
discount in the case of death of the holder(s), forfeiture by a pledge and
when ordered by a court of law.
Place of Encashment/discharge on maturity :
Can be encashed/discharged at the post office where it is registered or any other post
office.
NATIONAL SAVINGS CERTIFICATE (IX Issue):
Maturity :
Period of maturity of a certificate is TEN Years.
Interest/maturity value :
With effect from 1st December, 2011, Maturity value a certificate of Rs. 100
denomination is Rs. 234.35 FROM 1.4.2012 8.90%
PUBLIC PROVIDENT FUND SCHEME :

Deposit limits :
Minimum deposit required is Rs. 500 in a financial year.
Maximum deposit limit is Rs. 1,00,000 in a financial year.
Maximum number of deposits is twelve in a financial year
Rs.50 default fee if no deposit made during the financial year.
Loans :
Loans from the amount at credit in PPF account can be taken after completion of one year from the
end of the financial year of opening of the account and before
completion of the 5th year.
The rate of interest charged on loan taken by the subscriber of a PPF account on or
after 01.12.2011 shall be 2% p.a. However, the rate of interest of 1% p.a. shall continue to be
charged on the loans already taken or taken up to 30.11.2011.
The loan should be refunded within 36 installments. And the interest should be refunded within 2
monthly installment, If the advance non refunded in time 6% int. per annum will be charged,
6.Withdrawal :
Premature withdrawal is permissible every year after completion of 5 years from the end of the year
of opening the account. The amount of withdrawal cannot exceed 40% of the amount that stood to
credit at the end of fourth year preceding the year of withdrawal or at the end of preceding year
whichever is lower.
Interest at the rate, notified by the Central Government from time to time, is
calculated and credited to the accounts at the end of each financial year.
Present rate of interest is 8.6 per cent / per year since: 1st December 2011
FROM 1.4.2012 8.80%
Senior Citizens Savings Scheme (SCSS)

The account may be opened by an individual, Who has attained age of 60 years or
above on the date of opening of the account. Who has attained the age 55
years or more but less than 60 years and has retired under Voluntary Retirement
Scheme or a Special Voluntary Retirement Scheme on the date of opening of the
account within three months from the date of retirement.
The individual may open one or more account in the multiple of INR.1000/-, subject
to a maximum limit of INR.15 lakh.
No withdrawal shall be permitted before the expiry of a period of five years from the
date of opening of the account. The depositor may extend the account for a further
period of 3 years. Premature closure of account is permitted:-
After one year but before 2 years on deduction of 1 ½ % of the deposit.
After 2 years but before date of maturity on deduction of 1% of the deposit.
In case of death of the depositor before maturity, the account shall be closed and
deposit refunded without any deduction along with interest.
Interest FROM 1.4.2012 9.30% from the date of deposit on quarterly basis. Interest
can be automatically credited to savings account provided both the accounts stand
in the same post office. Interest rounded off to the nearest multiple of rupee one.
Post Maturity Interest at the rate applicable to the deposits under Post Office
Savings Accounts from time to time is admissible for the period beyond maturity.
PAPER- II
CCS (CONDUCT) RULES 1964
1. Short title, commencement and application
(1) These rules may be called the Central Civil Services(Conduct) Rules, 1964.
(2) They shall come into force on 12.12.1964.
These rules are not applicable to:-(a)Railway Services, (b) Member of All India
Service,(c) a holder of any post in respect of which the President has, by a general
or special order (d) Gramin Dak sevaks.
Rule 3(1) (i) Govt. Servant should maintain absolute integrity.
Rule 3 (1) (ii) Maintain devotion to duty
Rule 3 (1) (iii) Do nothing which is un becoming of a Govt. Servant
Rule 3 (A) Promptness and courtesy
Rule 3 (B) Observance of Govt. Policies
From 13.2.08 Prohibition of sexual harassment of working
Rule 3 (C) women
1. Every G.S. holding supervisory post shall take all possible
steps to ensure the integrity and devotion to duty of all Govt.
servant under his control.
2. Govt. Servant shall act in his best judgment while performing
official duties or exercising powers except while acting under
direction of Supervisor
3. The direction of the official Supervisor shall ordinarily be in
writing if unavoidable such oral directions be confirmed in
writing.
4. The Govt. Servant who has received the oral directions from
Superiors, the official shall seek for written confirmation where
Rule 3 (2) upon the official supervisor shall confirmation in writing.
Employing of near relatives in companies/firms with whom we
Rule 4 are having official dealings (Permission required)
Rule 5 Taking part in political /election not permissible
Rule 6 Not to join banned association
Rule 7 Demonstration/Strike prohibited.
Without the previous sanction of Govt or prescribed authority a
Govt. servant shall not participate or Radio/TV/Press.
However is exempted, if it is in the bonafied discharge of his
Rule 8 duties or if the article is purely literacy, art or scientific.
Rule 9 No criticism of the Govt
Evidence before committee compulsory, but it should be
Rule 10 appointed by the Govt. only and not private.
Rule 11 Unauthorized communication of information prohibited.
Rule 12 Non subscription from public.
Gift should be accepted as per schedule for wedding
anniversary, religious functions gifts from relatives and
personal friends.
Group A= Rs.7000 Group

B=Rs.4000
Group C= Rs.2000 Group
D=Rs.1000
In other cases
Group A & B =Rs.1500 Group C & D = Rs.500
While a farewell entertainment of substantially private and
informal character may be held in honour of such officers on
the eve of retirement or transfer, as permitted under the
proviso to Rule 11 of the Central Civil Services (Conduct)
Rules, 1955 and gifts of trifling value [as defined in the
Explanation to rule 10 (2) of the above rules] presented and
accepted on such occasions, it is hardly healthy or desirable to
Rule 13 allow the practice of accepting gifts from the staff.
Rule 13 (a) Dowry giving/taking or abetting (encouraging) prohibited.
Rule 14 No public demonstration accepted.
Rule 15 No private trade/employment
15 A. Sub-letting and vacation of Government
Rule 15 (a) accommodation.
No investment/lending/borrowing. Rs.500/- from friend can be
Rule 16 taken without interest.
Rule 17 Not to be insolvent and habitual indebtness
Immovable property prior permission required. Movable
property of value exceeds Gr. A=20000, Gr. B=15000, others
Rule 18 =10000 permission is required.
Without the previous sanction of Govt. a G.S. should not have
recourse to any court or to the press for the vindication (to
Rule 19 prove) of any official at, which has been the subject matter of
adverse criticism or an attack of the defamatory matter.
No outside influence or political pressure to be brought for
Rule 20 appointment/transfer/posting or any work.
Rule 21 Restriction regarding marriage.
Rule 22 Intoxicating drinks/drugs not acceptable.
No Government servant shall employ to work any child below
Rule 22A the age of 14 years.
If any question arises relating to the interpretation of these
rules, it shall be referred to the Government whose decision
Rule 23 thereon shall be final.
The Government may, by general or special order, direct that
any power exercisable by it or any Head of Department under
these rules (except the powers under Rule 23 and this rule)
shall, subject to such conditions, if any, as may be specified in
the order, be exercisable also by such officer or authority as
Rule 24 may be specified in the order.
CENTRAL CIVIL SERVICES

(CLASSIFICATION, CONTROL & APPEAL) RULES, 1965
1. Short title and commencement
(1) These Rules may be called the Central Civil Services (Classification, Control and Appeal)
Rules, 1965.
(2) They shall come into force on the 1st December, 1965.
Ad hoc Disciplinary Authority:- Where the prescribed appointing or disciplinary authority is

unable to function as the in respect of an official on account of his being personally concerned with
the charges or being a material witness in support of thecharge , the ad hoc disciplinary authority
will be appointed by the President
Suspension:- Under Rule 10 (1) of the CCS (CCA) Rules 1965 the appointing authority or any
authority to which it is subordinate, or the disciplinary authority or any other authority specially
empowered in this regard may place a Govt. Servant under suspension:
(a) Where a disciplinary proceeding against him is contemplated or is pending or
(b) Where a case against him in respect of any criminal offence is under investigation, inquiry or
trial or
(c) Where in the opinion of the competent authority, he has engaged himself in activities prejudicial
to the interest of the security of the State.
When he is detained in custody, whether on a criminal charge or otherwise, for period exceeding
forty-eight hours, with effect from the date of his detention.
Recoveries from subsistence allowance:-
Compulsory Deduction:- Income tax, house rent and allied charges, repayment of loan.
Optional deduction:- PLI premium, Amount due coop credit societies, refund of GPF advance.
Recoveries not permissible:- GPF subscription, court attachment, recovery of loss to Govt. For
which govt. Servant is responsible.
There is no bar for the recovery of over payment but the rate of recovery should not more than one-
third of the subsistence allowance, excluding the dearness allowance and other allowances.
11. Penalties
The following penalties may, for good and sufficient reasons and as hereinafter provided, be
imposed on a Government servant, namely :-
Minor Penalties -
(i) censure;
(ii) withholding of his promotion;
(iii) recovery from his pay of the whole or part of any pecuniary loss caused by him to the
Government by negligence or breach of orders;
(iii a) reduction to a lower stage in the time-scale of pay by one stage for a period not exceeding
three years, without cumulative effect and not adversely affecting his pension.
(iv) withholding of increments of pay;
Major Penalties -
(v) (a), reduction to a lower stage in the time-scale of pay for a specified period, with further
directions as to whether or not the Government servant will earn increments of pay during the
period of such reduction and whether on the expiry of such period, the reduction will or will not have
the effect of postponing the future increments of his pay
(vi) reduction to lower time-scale of pay, grade, post or Service for a period to be specified in
the order of penalty, which shall be a bar to the promotion of the Government servant during such
specified period to the time-scale of pay, grade, post or Service from which he was reduced, with
direction as to whether or not, on promotion on the expiry of the said specified period -
(vii) Compulsory retirement;
(viii) Removal from service which shall not be a disqualification for future employment under the
Government;
(ix) Dismissal from service which shall ordinarily be a disqualification for future employment
under the Government.
Procedure for Major Penalty :- (there are four stages in a Disciplinary case) Preliminary
Inquiry, Initiation of Proceedings, Inquiry, Final orders:
Ex parte Enquiry:-
If the Govt. Servant does not submit his statement of defence within the specified date or does not
appear in person before the Inquiring authority or otherwise fails or refuse to comply , the enquiry
need not be kept pending on that score. The Inquiring Authority is empowered to hold the enquiry
without the presence of the delinquent official. The enquiry so held is called ex parte enquiry.
Common Proceedings:-
When two or more Government servants are involved in the same case, disciplinary action against
all of them should as far as possible be conducted by the same authority (who will be higher among
them)in a common proceeding, so that the evidence and the defence statement submitted by the
different officials may be examined together.
Appellate Authority:-
A GS can prefer an appeal against all or any of the orders mentioned in Rule 23 of CCS (CCA) to
authority specified in this behalf. ( Higher than the Disciplinary/Appointing authority).
Appeal to be preferred within forty five days.
Petition to be preferred within six months. (petition against adverse remark in the CR the time limit
is one month) = ( to the officer higher than appellate authority)
Revision to be conducted within six months. By the President, Appellate authority, higher
authority, head of the department or any officers on behalf of President.
Review = By President.
APPEALS
22. Orders against which no appeal lies
Notwithstanding anything contained in this Part, no appeal shall lie against-
(i) any order made by the President;
(ii) any order of an interlocutory nature or of the nature of a step-in-aid of the final disposal of a
disciplinary proceeding, other than an order of suspension;
(iii) any order passed by an inquiring authority in the course of an inquiry under Rule 14.
FR & SR
Leave Account Come into force on 1.6.1972.
Earned Leave
Yearly Credit = 30 days.
Given In two instalments i.e. 1st Jan =15 days & 1st July=15
How it is calculated:- 2 ½ days for each completed calendar month (Calendar month means Ex.
Jan= 31 days Feb= 28 or 29 as the case may be Apr= 30days
Any period treated as EOL/Diesnon 1/10th EL to be deducted from the following credit. (i.e. any
EOL was availed from 1Jan to 30 June to be adjusted at the time of giving credit on 1st July)
Un availed portion of Joining Time can be credited in to EL account sub. To max.15 days and Max.
Ceiling. (This cannot be kept separately)
Half Pay leave
Yearly Credit : 20 days
Given In two instalments i.e. 1st Jan =10 days & 1st July=10
How it is calculated:- 5 days for each completed 3 calendar months (Calendar month means Ex.
Jan 31 days Feb 28 or 29 as the case may be Apr 30days)
If any official appointed in the middle of the month the credit will be given only for the completed
calendar month.
Any period treated as Diesnon 1/18th HPL to be deducted from the following credit. (i.e. any
Diesnon was availed from 1Jan to 30 June to be adjusted at the time of giving credit on 1st July)
Commuted leave availed double the no. of HPL to be deducted. Commuted leave always
supported by medical certificate. However female employee in continuation maternity leave 60days
commuted leave can be availed without M.C. This is also applicable for adoption of child.
Leave Not Due:- When there is no leave balance at EL & HPL, LND can be availed. M.C. is must.
It will be adjusted against the future credit of HPL. During the entire service 360 days can be
availed. MC is not necessary in continuation of maternity leave & this is applicable for adoption
also. Temp. GS may be granted LND sub. to condition he should put minimum one year service.
Overstayal: If any official in continuation of granted leave, extended the leave without giving any
intimation or intimation is not submitted timely the period will be treated as Overstayal. The period
will be deducted from HPL also he will not get any Pay & allowance also liable for Punishment.
Leave encashment: From 6th Pay commission any shortfall in the EL, which can be taken from the
HPL sub. to condition that the total encashment of EL & HPL should not be more than 300 days.
Maternity Leave
1. Admissible to Married/unmarried female employees during:-
(a) Pregnancy :- 180 days from 1.9.2008 admissible only to employees with less than two
surviving children.
(b) Miscarriage/abortion : 45 days for the entire service.
(c) No maternity leave for threatened abortion.
2.The leave is not debited to the leave account.
3. It is granted on full pay.
Paternity Leave
Admissible only to Male employees with less than two surviving children.
Duration 15 days.
Leave Salary : Equal to last pay drawn.
To be applied up to 15 days before or up to 6 months from the date of delivery of his wife or from
the date of valid adoption. If the leave is not availed within this period it will be lapsed.
The leave is not debited to the leave account.
Adoption of Child
Granted 180 days to female G.S. with less than two surviving children, on valid adoption of a child
below the age of one year.
Leave salary: Equal to the pay drawn immediately before proceeding on leave.
Child Care Leave
Female Employee having minor children may be granted for maximum of 730 days during the
entire service for taking care of up to two children.
Leave is granted for look after their child to any of their needs like exam, sickness etc.
Minimum 15 days has to avail at a time. 3 spells in a year.
Study Leave:-
Granted to G.S. with not less than 5 years for undergoing a special course consisting of higher
studies or specialized training in a professional or technical subject having a direct and close
connection with the sphere of his duties or being capable of widening his mind in a manner likely to
improve his ability as a civil servant.
Maximum 36 months for CHS officers and 24 months for others.
For outside India In addition Study allowance.
Hospital Leave :-
The leave may be granted to Class IV & Class III GS whose duties involve the handling of
dangerous machinery, explosive materials or the performance of hazardous tasks.
Leave salary:- Equal to EL for first 120 days and remaining equal to HPL
Shall not debited against leave account.
Maximum Period of leave does not exceed28 months.
v Important Points on Leave Account:-

v Commutation of one kind into another = Within 30 days
v Maximum amount of continuous leave = 5 years (it may extended by President in the
exceptional circumstances)
v Leave shall not be granted to GS if punishing authority has decided to dismiss, remove or
compulsorily retirement from service.
v Leave may not be granted to GS under suspension.
v EL at a time 180 days may be granted. If the entire leave so granted or any portion thereof is
spent outside India, Bangladesh, Bhutan, Burma, Sri Lanka, Nepal & Pakistan the leave may
exceeding 180 days but not exceeding 300 days.
v EOL:- Temporary GS are granted leave on one occasion as per the limit given below:
3 months
6 months where GS has completed one year service supported by MC
18 months where GS has completed one year service is undergoing treatment for TB.
v Leave Preparatory to retirement:- EL can be granted not exceeding 300 days together with HPL
due sub. to the condition that such leave extends upto and include the DOR.
v Advance of leave Salary:- Proceeding on leave for a period not less than 30 days may be
allowed. The advance should be adjusted in full in leave salary bill.
PAY FIXATION
Pay on Promotion:- One increment equal to 3% of the sum of the existing Pay band and the
Grade pay will be computed and rounded off to the next multiple of 10. While rounding off, paise
should be ignored but any amount of rupee or more should be rounded off to next multiple of
10. This will be added to the existing pay in the pay band. The grade pay corresponding to the
promotion post will thereafter be granted in addition to this pay in the pay band. However, if the pay
in the pay band after adding the increment is less than the minimum of the Higher pay band to
which promotion is taking place, pay in the pay band will be stepped to such minimum.
Example:-
Old Post New Post
(i) 5200 – 20200 + 2400 (GP) 5200 – 20200 + 2800 (GP)
10240 + 2400 ( 10240+2400 x 3%)=379.20 10620 + 2800
( 10240 + 380 )=10620
(ii) 5200–20200 +2800(GP) 9300–4800+4200(GP)

8300 + 2800 (8300+2800 x 3%)=333 9300 + 4200
(8300 + 340) =8640
Pay on Option:- On the date of promotion, pay in the pay band shall continue unchanged , but the
grade pay of the higher post will be granted . Further re-fixation will be done on the date of his next
increment (i.e 1st July)
Pay on revertion:-
Old Post New Post
5200 – 20200 + 2800 (GP) 5200 – 20200 + 2400 (GP)
Date of revertion 10240+ 2800 10240 + 2400
PENSION (W.E.F 1.6.1972)

Minimum 10 years Qualifying service required for pension.
Minimum 7 years qualifying service require for Family pension.
Gross Service:-Date of appointment to Date of retirement/Vol. retirement/Death.
Non qualifying service:- EOL w/o M.C. (except for Higher studies),Over stayal, Suspension,
Strike period, Boy service.
Qualifying Service:- Gross service minus Non qualifying Service.
Fraction of Qualifying Service:-
Less than 3 months = Nil
3 months & above but less than 9 months = one half yearly (6 Months)
9 months & above = two half yearly (1 year)
From 6th Pay commission official having 20years q.s. will get full pension.
Pension:- 50% of Last 10 months average emoluments or 50% of last Pay drawn whichever is
more beneficial to Govt. servant.
Gratuity:- 1/4th emoluments for each completed six month period of Q.S. sub. To Max. of 16
½ times of emoluments or Rs.10 lakhs.
Death Gratuity:-
Length of Service Death Gratuity
Less than 1 year 2 times of emoluments
One year or more but less than 5 years 6 times of emoluments.
5 years or more but less than 20 years 12 times of emoluments
½ emoluments for every completed six
months period of Q.S. sub. to max.
20 years or more Rs.10lakhs.
Family Pension – 30% of pay last drawn. Sub. to minimum Rs.3500 p.m. ( In some cases the
family pension will be based on the average of emoluments drawn )
Enhanced Family Pension:-
Death while in service:- upto 10 yrs. From the date of death of G.S. 50% of pay last drawn.
Death after retirement:- The original pension or 50 % of pay last drawn whichever is less upto 7
years or the ex. G.S. attaining the age of 67 whichever is earlier.
Commutation:- Max. 40 % pension X 12 X points for age of next birth day.
Residuary Gratuity:- Employee dies within 5 years after retirement the total amount received by
him (Pension + Gratuity+ Commutation) is less than 12 times of emoluments the difference will be
paid to the family.
Important Points on Pension

ü If a central service Gr ‘A” pensioner wishes to accept any commercial employment before expiry of
two years service from the date of retirement, he shall obtain previous sanction of the Government
to such acceptance by submitting in Form 25.
ü Counting half of the service paid from contingencies with regular service. The service paid from
contingencies should have been continuous and followed by absorption in regular service without
break.
ü Service on probation against a post if followed by confirmation in the same or another post shall
qualify.
ü Service on an apprentice shall not qualify except in the case of SAS apprentice in the Indian Audit
and Account Department or the Defence Accounts department.
ü Commutation of Pension shall come into force on the 1st day of July 1981
T A on tour:- The tour station should be beyond 8 kms.
According to Grade Pay the G.S. is entitled for Hotel Accommodation, Charges for travel within the
city, Food Bill & entitlement for travel by Air/Rail/Road.
If he availed the old rates option then he entitled for travel of Air/Rail/Road, Road mileage & Daily
Allowance.
DA will be calculated during the absence from the Head Quarters.
Absence not exceeding 6 hours ---- Nil
Absence exceeding 6 hours and not exceeding 12 hrs. ----70%
Absence exceeding 12 hrs. ----- 100%
During the tour the official should remain in the tour station ( i.e at least part of the day ) If any day
he is totally away from the tour station he is not entitled for DA.
Eligibility of DA in various circumstances:-
Free boarding and lodging - 25%
Free boarding - 50%
Free lodging - 75%
Stay in office building free of cost -75%
TA on Transfer:- G.S. & Family members are entitled.
Brother : Minor
Daughter/Sister- unmarried, Widowed & Judicially separated
Any family member having monthly income of Rs. 3500 & above they are not entitled for TA.
Entitlement:- Air/Rail/Road Fare (Self & Family)
Transfer Incidental : One month pay (Pay band + Grade Pay)
Personal Effects : Maximum admissible quantity by goods train
Conveyance: charges for passenger train.
Personal Effects:- Places connected by Rail

By goods train only. If it is sent by passenger train actual exp. Compared with goods train charge
(Max. quantity) whichever is less.
If it is sent by Road actual expenditure + 25% thereof compared with goods train charge for max.
admissible qnty. Whichever is less.
Places not connected by Rail:-
Actual expenditure or prescribed rate whichever is less.
Conveyance :- Places connected by Rail
By passenger train only (No reimbursement on packing and Loading & unloading charges)
If it is sent by goods train actual exp. + packing and loading & unloading charges can be
reimbursed but the exp. Restricted to Passenger train charge.
If it is sent by road (loaded by another truck) actual exp. Compared with passenger train charge
whichever is less.
If it is sent by its own power (propulsion) passenger train charge or prescribed rates whichever is
less.
Places not connected by Rail
If it is sent by road (loaded by another truck) actual exp. Compared with prescribed rates
whichever is less.
If it is sent by its own power (propulsion) prescribed rates.
Important Points on Travelling Allowance
Conveyance allowance shall not be admissible during Joining time, leave and temp. transfer.
Mileage allowance is an allowance calculated on the distance travelled which is given to meet the
cost of a particular journey. No mileage allowance for using season ticket.
Leave Travel Concession
Any employee with one year of continuous service on the date of journey performed by him/his
family is eligible.
An official appointed on 31.12.2010 will be eligible for the two year block 2010-11, but those
appointed on or after 1.1.2011 will not be eligible for that block.
If an official is under suspension, the concession is admissible only to the family members.
G.S. & Fly. Members can avail this facility on different occasions, can travel different dates
&places but complete their return journey within 6 months from the date of its outward journey.
LTC to any place of India:- This concession is admissible in lieu of one of the two Home Town LTC.
Leave encashment:- upto 10 days EL can be encashed while availing the LTC , maximum 60 days
in the entire service.
Joining Time
Joining Time :- Time allowed to the G.S. to join one post to another post (new post) either at the
same station or new station while on transfer. (The transfer must be in the interest of service.)
Where the transfer

involves continuous travel
Distance between Old & by Road for more than
New HQ Joining Time admissible 200kms.
1000 kms or less 10 days 12 days
1001 to 2000 kms 12 days 15 days
More than 2000kms. 15 days* 15days
*in cases of travel by air, only 12 days.
Calculation from old Headquarters only;-
(a) where an employee receives the orders in a place other than his HQ.
(b) Where charge of the old post is made over in a place other than the HQ.
(c) Where the HQ is changed while on tour to the station of tour it self and
(d) Where the temporary transfer is converted into permanent transfer.
Un availed portion of JT to be credited in to EL sub. to Max. 15 days and Max. ceiling.
Holidays/Sundays prefixed to JT will be counted as part of JT However suffix is permissible.
During leave:- HRA admissible for first 180 days beyond this period HRA can be claimed by
furnishing prescribed certificate.(240 days in case leave on mc)
During Joining Time:- As per the rates at old station.
During Temporary Transfer:- Upto 90 days the rate as per old station beyond this period the rates
applicable to new station.
During Training in India:- as per the HQ. or training station whichever is more favourable. However
when DA (Daily Allowance) drawn then the rates applicable to old station.
Training at abroad:- as per the rates at HQ.
No HRA will be paid if the official provided with Govt. accommodation, Sharing rent free
accommodation allotted to another GS, residing in accommodation allotted to a relative and refusal
of accommodation. If spouse has allotted accommodation by Central /State Govt. whether he/she
resides in that accommodation or not.
ADVANCES
1. Festival advance: Rs.3000
a) Eligiblity:- Non Gaz. Employees GP does not exceed Rs.4800
b) Not eligible:- temp. staff (who will not continue in service at least for 6 months after advance)
Officials under suspension/HPL/LPR
c) Conditions: only once in the FY
d) Recovery:- 10 monthly installment.
e) Interest : Nil
2. Flood /drought/Cyclone advance: Rs.5000
f) Eligiblity:- Non Gaz. Employees whose property has been affected.
g) Conditions: second & subsequent adv. (become necessary) b4 earlier adv, fully recovered ( Ex.
5000 -3000 (already recovered) bal. 2000 amt. of second adv. Rs.3000 + 50-% relaxation i.e.
3000+ 1500 total + Rs.4500/-)
h) Recovery:- 25 monthly installment.
i) Interest : Nil
3. Warm clothing advance: Rs.3000
a) Conditions:- Places which Are situated at a height of 1000 metre or more above sea level.
b) All Gr ‘C’ & ‘D’ employees posted at a hill station.
c) Recovery:- 10 monthly installment.

d)Interest : Nil
e) Second/subsequent: a period of 3years has elapsed since the grant of earlier advance.
4. Motor Car advance: Rs.1,80,000/- or 8 months pay in the pay band or price of the car
whichever is the least. (Second/subsequent adv. Rs.1,60,000/- or 8 months pay in the pay band or
price of the car whichever is the least.)
Eligibility: Officers drawing pay in the pay band Rs.19530 or more
Recovery: 200 monthly installments.

Int. = 11.5% minimum number of monthly installments.
5. Personal Computer Adv:- Rs.80000/ Second Rs.75000 or the anticipated price of PC
(excluding custom duty) whichever is less
Eligibility 1: Officers drawing pay in the pay band Rs.19530 or more
Eligibility 2: Officers drawing pay in the pay band Rs.8560 or more
( Rs.30000 or the anticipated price of PC (excluding custom duty) whichever is less .

Int. = 11.5% minimum number of monthly installments.
6. Motor Cycle/Scooter Adv:- Officers drawing pay in the pay band Rs.8560 or more
Rs.30000/- or 4 months pay in the pay band or the anticipated price of PC whichever is the least.
Second/subsequent + Rs.24000/- or 3 months pay in the pay band or the anticipated price of
PC whichever is the least.
Below Rs.8560/- ==Rs.20000 or the anticipated price of PC whichever is less

Int. = 8% minimum number of monthly installments
7.Cycle Advance : Non Gaz. GS whole grade pay not exceed Rs,2800
Amount: Rs.3000/-

Int. = No int. from 7.10.2008.
HBA : -34 times of pay in the pay band or 7.5 lakhs or cost house or repaying capacity which ever
is the least.
Eligibility: all permanent employees of officials having 10 yrs. Service.

Cost of ceiling : minimum Rs.7.5 lakh and a max.Rs.30 lakh.
Repayment: 180 monthly installment for principal and 60 installments for .

Interest.
Loss of Govt. property due to fire, theft, fraud:-Movable property loss value Rs.10000 to be
reported to police. Immovable property Rs.50000 to Govt. through usual channel.
Capital Expenditure:-Significant expenditure incurred with the object of acquiring tangible assets
of a permanent nature or enhancing the utility existing assets defined as Capital Expenditure.
Purchase of Goods:-
Upto Rs.15000 without inviting quotations.

Above Rs.15000 & upto Rs.100000 LPC
Above Rs.100000 & upto 2500000 Limited Tender
Rs.25lakh & above Advertised Tender
Single Tender : Only a particular firm is the manufacture of the required goods. In case of
emergency the goods are necessarily to purchase from particular firm.
Bid security; (EMD) 2 to 5% of the estimated value.
Security Deposit 5 to 10% of the value of contract.
Advance payment to supplier:

30% of the contract value to private firms.
40% to state or central Govt. agency.
In case of maintenance contract the amt. should not exceed the amount payable for 6 months
under the contract.
Important Points on FHB Vol.I

Ø The Postal Department is recognised as Commercial department.
Ø Recoveries may not ordinarily be made at a rate exceeding one third of pay.
Ø Retrenchment register in Form ACG 60 is maintained at the Disbursing office for all retrenchment
ordered by Audit office/Department.
Ø Attachment one third of the salary in execution of any decree for maintenance. X – Y – 1000 for
other than maintenance
3
Ø All allowances are exempted from attachment.
Ø All claims to persons not in Govt. Service should be drawn on receipt of ACG 17. And for GS in
form ACG 20.
Ø An alteration of date of birth of a GS can be made if a request is made within 5 years of his entry
into Govt. Service.(if it is clearly established that genuine bona fide mistake has occurred.)
Ø If a GS is unable to state his exact date of birth but can state the year or year and month of birth the
1st July or the 16th of the month respectively may be treated as the date of birth.
Ø Service Book to be maintained in duplicate one copy to be supplied to the Official. The GS should
get it update of his service book in the Month of January every year from his Account office the
book should be returned within 30 days.
Ø The service book first page entry should be re-attested after every 5 years.
Preservation of records
Description of records Period of preservation
Annual Establishment 35 years
Cash Book maintained by the DDO 10 years
3 years or one year after completion of
Records relating to contingent Exp. audit whichever is later.
Budget estimates/Revised estimates 3 years
Travelling allowance bill & AR relating
thereto 3 years
3 years after death/retirement or the date
of final sanction of pension whichever is
Service Books/Personal Files later.
Office copies of Estt. Pay bills /Pay bill
register 35 years.
Acquittance Rolls of pay & all. (other than 3 years or one year after the completion
TA) of audit, whichever is later.
FHB Vol.II
Supply of Stamps:-
The maximum value of stamps to be kept in stock will be fixed for Ist class Post offices by the Head
of the Circle, and for HOs, SOs and BOs by SPO/SSPOs.
The word stamps includes postage stamps, non postal stamps, envelopes and Postcards.
The balance actually held in stamps in HO/SO & BOs at the close of the month should be shown by
the Head Postmaster in the Cash Balance Report submitted by them to Postal Accounts Office with
the monthly Cash Account.
When postage stamps and sty. Are lost or damaged or become useless or obsolete, the value
thereof should be written off under the orders of the competent authority.
International Reply Coupons:-
By arrangements made with the International Bureau at Berne, post offices in India are authorised
to hold stock of IRC for sale to the public and to exchange them for Indian Postage Stamps. The
IRC will be supplied by DA(P) Kolkatta.
HO Summary:- (ACG.1) In which are summarised the transactions of the HO. Maintained by the
Treasurer.
SO Summary(ACG 3) in which are summarised the transactions of the several sub offices (and
BOs in account with the SO ) as shown in the daily accounts received each day from SOs.
Maintained by Sub Account assistant.
BO Summary:- (ACG 3 (a) ) in which are summarised the transactions of (1) the several branch
offices in account with the HO as shown in the daily account received each day from the several
BOs and (2) the Village Postman (if any) of the HO.
Treasurer’s Cash Book(ACG 2) :- Intended for the entry of all sums (including stamps) actually
received and paid by the Treasurer. All the entries in this book must be made by the Treasurer
himself exactly as the transactions occur and at the time they occur. All transactions under the
heads, receipts and Payments, should be serially numbered.
HO Cash Book (ACG 4) The Head Postmaster is personally responsible that the HO cash book
and his balance sheet are correctly and punctually written up on the day following that to which the
entries relate, and generally that his accounts are correct.
The entries in the HO cash book and in his Balance Sheet must be made by the Head Postmaster
himself except when under the special orders of the Head of circle has been allowed to delegate
the duty of writing up the Head office cash book but not the postmaster’s balance sheet to one of
his subordinates.
Cash Account:- ( ACG 5) Monthly summary of Cash book
Prepared by HO every month and sent to DA (P) on 1st of following month.
Important Points on FHB Vol.II:-
§ The transactions of SOs during the closing days of March are incorporated in a supplementary
account for that month and not in ordinary accounts for April. A supplementary cash balance report
of the HO should be submitted to the DAP.
§ The letter postage account (ACG44) and the Deposit account (ACG45) which deal with the unpaid
postage of the Head Office.
§ A declaration in Form TR 40 shall be obtained half yearly from all recipients of Family Pension.
§ Gratuity is paid in a single sum, and not by instalments. A gratuity payment order shall remain in
force for one year only, and no such order shall be retained in a Disbursing officer if payment has
not been made on it within a year of issue. The void order shall be returned to the Postal Accounts
offices.
§ The facility of payment of pension to Railway Pensioners through PO SB has been introduced from
August 1976. The pensioner will appear in person at least once a year either in June or December
before the PM and in addition send a life certificate (duly attested) once a year in December or
June.
Some Important Form Nos.

ACG. 1 Head office Summary
ACG. 2 Treasurers Cash Book
ACG.3 Sub Office summary
ACG. 3(a) Branch Office summary
ACG. 4 Head Office Cash Book
ACG. 5 Post Office Cash Account
ACG. 6 Schedule of Unclassified.
ACG. 6(a) Schedule of Unclassified Payments
ACG. 6(b) Schedule of Postal Life Insurance and
RPLI-Receipt
ACG. 6(c) Schedule of payments to head
records Clerks of Railway Mail
Service
ACG. 6(d) Schedule of Postal Life Insurance and
RPLI-Payments
ACG. 6(e) Schedule of Void Money Orders Paid
(Home Accounts Circle issues)
ACG. 6(f) Schedule of Bills Paid
ACG. 6(g) Schedule of remittance received from
other Head Offices, Departmental
Telegraph Offices
ACG. 6(h) Schedule of remittance made to other Head Offices, Departmental
ACG. 6(i) Schedule of Void Money Orders paid
ACG. 6(j) Schedule of Telephone Receipts Do
ACG. 6(l) Telegraph Receipts Do
ACG. 6(n) Commission paid to authorities agents on sale of P.O. Certificates
ACG. 6(q) Receipts of premia collected on behalf of LIC
ACG. 6(r) Payments of LIC on account of premia collection
ACG. 7 Schedule of Telephone charges
ACG. 22 Sub Office Daily accounts Rule 48
ACG.22(a) Branch Office Daily accounts
ACG. 27 Register of Refunds
ACG. 28 Register of cheques received and cleared
ACG.31 List of contents of Account Bundle
ACG.33 Cash Abstract of the Railway Mail Service
ACG.34 Remittance Memo
ACG.34(a) Remittance Memo for the issue of Postal Service Money Orders for the
disbursement of pay and allowances of the out-station staff of the RMS.
ACG.35 Cash Book of the Railway Mail Service

ACG.36 Cash Account of the R.M.S. Rule 73
ACG.39 Requisition for postage stamps Rule 5
ACG.40 Register of Miscellaneous sums received and disposed of in the Railway Mail Service
Offices.
ACG. 44 Letter/Registered Parcel Postage
ACG.45 Deposit Account
ACG.46 Memorandum to accompany unregistered packets. The postage on
which is being paid for in cash instead of stamps…..
ACG.47 Receipts for the Postage paid in cash on inland unregistered packets posted
under cash payment system……….
ACG. 53 Register of Receipt/Cheque Book
ACG. 67 Money Receipt
ACG.69 Register of Lands and Buildings
…..
ACG.85 Register showing the details of stamp balance……
General Provident Fund

W.e.f. 1.4.1960
Applicability:- Those who have been appointed on or before 31.12.2003.
Eligibility :- G.S. after completion one year continuous service.
Amount of subscription:- A sum (in whole rupees)as fixed by the subscriber subject to a minimum
of 6 per cent of emoluments and not more than his emoluments.
Emoluments:-Means Pay band + Grade pay
Enhancement/Reduction :- Subscription may be increased twice and/or reduced once at any time
during the year.
Suspension of subscription:- Subscription to the fund shall be stopped during suspension.
No subscription should be recovered during the last three months of his service.
Some important points on GPF
Ø Only one withdrawal can be allowed for the same purpose.
Ø Withdrawal and advance cannot be sanctioned for one and the same purpose and at the same time.
Ø Balance advance outstanding can be converted into a withdrawal on satisfying the conditions of
service.
Ø Withdrawal for the purpose of higher education may be drawn on annual basis till the child continues
the technical/professional course.
Ø Group D GPF account will be maintained by Head of Office (HO Account)
Ø Consolidated int. statement of Gr D GPF account to be sent to the Postal Accounts office not later
than 31st May.
Ø Group Insurance Scheme
Scope:- The Scheme, which is compulsory to all the Central Govt. Employees.
Insurance & Savings Funds:- From the contribution 30% to Insurance Fund & 70% to Savings
Fund.
Ø Membership:- Employees are enrolled as members of the scheme only from 1st January every year.
If an employee enters service on or after 2nd January in any year he will be enrolled as a member
only from 1st January of next year. From the actual date of appointment to 31st December, he will
be contributed on reduce rate.
Ø If any employee is promoted to higher group in the middle of the year his subscription will be raised
only from the 1st January of the next year. As for example a Group C employee promoted as
Group B w.e.f 2nd January he will continue contribute Rs.30 (as a Gr’ C’ ) from 2nd January to
31st December of that year. From 1st January of next year his contribution will be Rs.60.
Ø While in service the employee expired the family will get the both benefits i.e. Savings Fund +
Insurance Fund. If the official retired he will get only savings fund.
Children Educational Assistance
Eligibility:- All Central Government Employees.

Admissibility:-
The assistance is available for education of child of GS including step child wholly depend upon
him.
The child age limit of 5 to 20 years(22 years in case of physically/mentally handicapped children) If
child completes 20 years (or 22 years) during the academic session the facility will be available till
the end of session.
The child must study in a recognised school and attend the school regularly.
If a period of absence from school without proper leave exceeds one month the assistance will not
be admissible.
The assistance is available for upto 3 children born upto 31.12.87 and for 2 children born
thereafter. However if the number of children exceeds 2 as a result of second birth resulting in
twins or multiple births, assistance shall be admissible to all the children.
It is admissible to the GS during duty/any type of leave/suspension but not during the period
of Dies non.
If employee ceases to be a GS due to retirement/resignation/discharge of duites/ removal or
dismissal in the middle of the academic year the assistance will be paid till the end of the academic
year.
Limit:- Rs.12000 p.a. per child towards tuition fee, admission fee, laboratory,uniform, text books
and note books. Rs.24000 for disabled children. The above limit shall automatically increase by
25% every time the DA is revised per structure goes up by 50% .
Paper III
THE CONSUMER PROTECTION ACT 1986

(Having 31 sections)
It extends to the whole India except Jammu & Kashmir
Complaint:- Any allegation in writing made by a complainant.
Consumer: any person who buys goods or avails any service, but does not include a person who
obtains such goods or service for any commercial purpose.
CDRF:- Consumer Disputes Redressal Forum to be known as the “District Forum” established by
the state Government in each dist. Of the state by notification. (Section .9 (a))
Composition of the Dist. Forum:- a person who is or has been or is qualified to be a District
Judge who shall be its President.
Two other members, one of whom shall be a woman, who shall have the following qualifications.
i) Be not less than thirty five years of age.
ii) Possess a bachelor’s degree from a recognized university
Adequate knowledge and experience & experience at least 10 years in dealing with problems
relating to economics,law,commerce,accountancy ,industry, public affairs or admn.
Every member of the Dist. Forum shall hold office for a term of five years or upto the age of 65
years whichever is earlier.
Jurisdiction of the Dist. Forum:-The Dist Forum deals the compliant does not exceed rupees
twenty lakhs.
Appeal:- Any person aggrieved by an order made by the District Forum may prefer an appeal
against such order to the State Commission within a period of thirty days from the date of order .
Consumer Disputes Redressal Commission to be known as the State Commission established by
the State Government (section No.9 (b))
Composition of the State Commission:- a person who is or has been a Judge of High
Court appointed by the State Govt. who shall be its President.
Two other members, one of whom shall be a woman, who shall have the following qualifications.
Provided that not more than fifty percent of the members shall be from amongst persons having
judicial background .
Jurisdiction of the State Commission:-The State Commission deals the compliant exceeds
rupees twenty lakhs but does not exceed rupees one crore
And appeals against the orders of Dist Forum within the state.
Transfer of cases:- On the application of the complainant or of its own motion, the State
Commission may, at any stage of the proceeding, transfer any complaint pending before the
District Forum to another Dist. Forum within the State if the interest of justice so requires.
National consumer Disputes Redressal Commission established by the Central Govt. by
notification.(Section 9(c) )
Composition of the National Commission:- a person who is or has been a Judge of Supreme
Court appointed by the Central Govt. who shall be its President.
Not less than four members, one of whom shall be a woman, who shall have the following
qualifications.
Provided that not more than fifty percent of the members shall be from amongst persons having
judicial background .
Jurisdiction of the National Commission:-The National Commission deals the compliant
exceeds rupees one crore
And appeals against the orders of State Commission.
Transfer of cases:- On the application of the complainant or of its own motion, the
National Commission may, at any stage of the proceeding, transfer any complaint pending before
the District Forum of one state to a Dist. Forum of another state or before one state commission to
another State Commission
Appeal:- any person aggrieved by an order made by the National commission may prefer an
appeal against such order to Supreme Court within thirty days from the date of the order.
Limitation of Period:- The Dist. Forum, State Commission , or the National commission shall not
admit a complaint unless it is filed within two years from the date on which the cause of action has
arisen.
Penalties:- Where a trader or a person against whom a complaint is made (or the Complainant)
fails or omits to comply with any order made by the Dist. Forum, state Commission or the National
Commission shall be punishable with imprisonment for a term which shall not be less than one
month but which may extend to three years or with the fine which shall not be less than two
thousands rupees but which may extend to ten thousand rupees or with both.
The Right To Information Act 2005

Total sections 31
Section 1:- It extends to the whole of India except the State Jammu & Kashmir.
Section 2:- Definitions
Information:- means any material in any form
Record:- any document manuscript and file, any other material produced by a computer or any
other device.
Right to Information:- Inspection of works, documents, records , taking notes extracts , sample
materials, obtaining information in the form floppies, CDS, tapes, video cassettes etc.
Section 3:- All citizens shall have the right to information.
Section 4:- Every Public authority to should maintain the records and furnish the information to the
applicant.
Section 6 :- A person who desires to obtain the information shall make a request in writing or
through electronic means in English or Hindi or in the official language of the area .
Fee Rs.10/- for any additional attachment Rs.2 per copy.
Section 7:- Disposal of request
Ø 30 days from the date of application
Ø 48 hours for information concerning the life and liberty of a person
Ø 5 days shall be added to the above response (i.e.35 days) in case if the information is given to
APIO
Ø If the interest of third party are involved then the limit will be 40 days.
Ø Failure to provide information within the specified period is a deemed refusal.
Section 8:- Exemption from disclosure of information
Section 11:- Third Party Information:- The CPIO has to give written notice to third party within five
days from the receipt of request and the third party shall give reply within ten days from the date of
receipt of such notice.
Section 12 Constitution of CIC
a) The chief Information Commissioner
b) Such number of CIC not exceeding ten
Appointed by President on the recommendation of PM, Leader of Opposition & Union Cabinet
Minister to be nominated by the Prime Minister.
Section13:- Term Of Office & Conditions
The CIC shall hold office for term of five years or attaining the age of 65 whichever is earlier. He is
not eligible for reappointment.
Salary equal to Chief Election Commissioner.
Section 14:- removal of CIC by order of the President on the ground proved misbehavior or
incapacity.
Section 19:- Appeal – any person who does not receive a decision within the period or is aggrieved
by a decision of CPIO may prefer an appeal within 30 days from the expiry of period or from the
date of receipt of reply from CPIO.
A second appeal to be made to CIC within 90 days
Section 20:-Penalties- Delayed, incorrect, incomplete or misleading information is given the
penalty will be Rs.250 on each day sub. to maximum Rs.25000/-
Section 30:- Power to remove difficulties –The Central Govt. may by order published in the official
Gazette make such provisions.
Section 31 Repeal:- the Freedom of Information Act 2002 (5 of 2003) is hereby repealed.
The Code of Criminal Procedure -1973

(484 Sections)
It extends to the whole India except the State of Jammu & Kashmir
Provided that the provisions of this code other those relating to chapters VIII, X and XI thereof, shall
not apply
To the State of Nagaland & to the tribal areas.
2. Definitions:-
Bailable offence:- means an offence shown in the first schedule or which is made bailable by any
other law for the time being in force and non bailable offence means any other offence.
Cognizable Offence:- means a case in which a Police officer may arrest without warrant.
Complaint :- any allegation made orally or in writing to a Magistrate.
Judicial Proceedings:- includes any proceedings in the course of which evidence is or may be
legally taken on oath.
Non cognizable offence means a case in which a police officer has no authority to arrest without
warrant.
Summons case:- a case relating to an offence and not being warrant case.
Warrant case:- case relating to an offence punishable with death imprisonment for life or
imprisonment for a term exceeding two years.
Section 82:- Proclamation for person absconding:-a person whom a warrant has been issued by it
has absconded or is concealing himself so that such warrant cannot be executed such court may
publish a written proclamation requiring him to appear a specified place and time not less than 30
days from the date of publishing such proclamation.
Section 83:- Attachment of Property of person absconding:-The Court issuing a proclamation under
section 82 at any time after the issue of proclamation order the attachment of any
property movable or immovable or both belonging to proclaimed person.
Section 84 :- Claims and Objections to attachment:= If any claim is preferred to or objection made
to the attachment under section 83 within six months from date of such attachment, by any other
person other than the proclaimed person.
Section 85:- Release sale and restoration of attached property:- If the proclaimed person appears
within the time specified in the proclamation the Court shall make an order release the property
from the attachment.
If he not appeared the property shall be at the disposal of State Govt. but it shall not sold until the
expiration of six months from the date of attachment or any claim or objection made under section
84.
If he appears within two years from the date of attachment and proves that he did not abscond or
conceal , unable to attend within the specified time limit the property or if the same has been sold
the net proceeds of the sale or if part only sold the net proceeds of sale shall after satisfying there
from all costs incurred in consequence of the attachment be delivered to him.
The Indian Evidence ACT 1872

It extends to the whole of India except the state of Jammu and Kashmir
Commencement:- it shall come into force on the 1.9.1872
OF THE RELEVANCY FACTS
Section 5:- Evidence may be given of facts in issue and relevant facts
Section 6:- relevancy of Facts forming part of same transaction
Section 7:- Facts which are the occasion, cause or effect of facts in issue
Section 8:-Motive, Preparation and Previous or Subsequent Conduct.
FACTS WHICH NEED NOT BE PROVED

Section 56:- Fact judicially noticeable need not be proved
Section 57:- Facts of which Court must take judicial notice
Section 58:- Facts admitted need not be proved
ORAL EVEIDENCE
Section 59:- Proof of facts by oral evidence
Section 60:- Oral evidence must be direct.
DOCUMENTARY EVIDENCE
Section 61:- Proof of contents of documents
Section 62:- Primary Evidence
Section 63 Secondary Evidence
The Constitution of India

(395 Articles)
It has 395 articles and Twelfth Schedule
In our constituent Assembly this 26th November 1949 do hereby adopt, enact and give to ourselves
this Constitution.
Article No.1: Name and territory of the Union
3. Formation of new states and alteration of areas, boundaries or names of existing state
5. Citizenship at the commencement of the Constitution
12. Fundamental rights
14. Equality before Law
15. Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth.
16. Equality of opportunity in matters of public employment.
17. Abolition of untouchability
18. Abolition of titles.
21.A Right to education
24. Prohibition of employment of children in factories etc.
51A Fundamental duties
52. The President of India
63. Vice President of India
79. Constitution of Parliament
80. Composition of the Council of States
124. Establishment and constitution of Supreme Court
148. CAG
153.Governors of State
168. Constitution of Legislatures in State
243 Panchayats
243A Gram Sabha
243B Constitution of Panchayats
243Q Constitution of Municiplaties
300A Persons not to be deprived of property save by authority of Law
301. Freedom of trade, commerce and intercourse
315. Public service Commissions for the Union and for the States.
330. Reservations of seats for SC/ST in the House of the People.343.Official Language
343. Official Language
345. Official Language or languages of a state.
348. Languages to be used in Supreme Court & High Court
352.Proclamation of Emergency
368.Amendment of the constitutions
First Schedule --States /Union Territories.

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Paper-I

POST OFFICE GUIDE PART-I

The entire country has been divided into 23 Postal Circles

Delivery of parcels and period of their detention at the office of delivery –

Rs.200 Rs. 150 Rs.100 Rs.50

Indian Postal Orders

Philatelic material includes

Domestic Philatelic Deposit Account system. –

The Indian Post Office Act, 1898

Postal Manual Vol.II

Postal Manual Vol.V

Postal Manual Vol. VII

Departments of a set of a sorting mail office – (1) Each set of a

Department Designation of official in charge

Ø RECURRING DEPOSIT ACCOUNTS :

Continuation after maturity :

Post maturity interest :

MONTHLY INCOME SCHEME:

Post-maturity interest :- Where repayment of the amount,

NATIONAL SAVINGS CERTIFICATE (VIII Issue):

NATIONAL SAVINGS CERTIFICATE (IX Issue):

PUBLIC PROVIDENT FUND SCHEME :

Senior Citizens Savings Scheme (SCSS)

Group A= Rs.7000 Group

CENTRAL CIVIL SERVICES

Ad hoc Disciplinary Authority:- Where the prescribed appointing or disciplinary authority is

v Important Points on Leave Account:-

(ii) 5200–20200 +2800(GP) 9300–4800+4200(GP)

PENSION (W.E.F 1.6.1972)

Important Points on Pension

Personal Effects:- Places connected by Rail

Where the transfer

1. Festival advance: Rs.3000

a) Eligiblity:- Non Gaz. Employees GP does not exceed Rs.4800

c) Conditions: only once in the FY

d) Recovery:- 10 monthly installment.

2. Flood /drought/Cyclone advance: Rs.5000

f) Eligiblity:- Non Gaz. Employees whose property has been affected.

h) Recovery:- 25 monthly installment.

b) All Gr ‘C’ & ‘D’ employees posted at a hill station.

c) Recovery:- 10 monthly installment.

Eligibility: Officers drawing pay in the pay band Rs.19530 or more

Recovery: 200 monthly installments.

Eligibility 2: Officers drawing pay in the pay band Rs.8560 or more

( Rs.30000 or the anticipated price of PC (excluding custom duty) whichever is less .

Below Rs.8560/- ==Rs.20000 or the anticipated price of PC whichever is less

Recovery: 70 monthly installments.

Recovery: 30 monthly installments.

Eligibility: all permanent employees of officials having 10 yrs. Service.

Repayment: 180 monthly installment for principal and 60 installments for .

Upto Rs.15000 without inviting quotations.

Advance payment to supplier:

Important Points on FHB Vol.I

Some Important Form Nos.

ACG.35 Cash Book of the Railway Mail Service

General Provident Fund

Children Educational Assistance

Eligibility:- All Central Government Employees.

THE CONSUMER PROTECTION ACT 1986