Transfer Policy For Officers 15jul23

का मक संबध
ं भाग, मानव संसाधन व टकल,

क य कायालय, मंब
ु ई
239, वधान भवन माग, नर मन पॉइंट, मुंबई - 400 021
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टाफ प रप . 8019 दनांक: 30 जून, 2023
त: सभी शाखाएं/कायालय
एमएमजीएस-III तक के अ धका रय के लए थानांतरण नी त
1. ब कं ग उ योग म व रत ग त वाले डिजटल करण, नवो मेषी और अनुकू लत उ पाद ,

सेवाओं और कड़ी त पधा के साथ आ चयजनक प रवतन हुए ह. उपल ध जनसांि यक य
म ण को यान म रखते हुए, हम यावसा यक वकास को बढ़ाने और अपने अ धका रय
को अ धक अवसर दान करने के लए अ धक रचना मक तर के से वशेष ता और उपल ध
संसाधन का लाभ उठाना चा हए. इसके अलावा, संगठना मक अपे ाओं के साथ-साथ
अ धका रय क अपे ाओं के अनु प अ धका रय के लए थानांतरण नी त को पन
ु ः
प रभा षत करने क आव यकता है िजससे थानांतरण क पूर या का सच
ु ा प से
होना सु नि चत हो सके और यह अ धका रय के मनोबल को बढ़ाने के अलावा उनके
काय न पादन म सुधार लाने म उ ेरक का काय करे .
2. इससे एमएमजीएस-III तक के अ धका रय के लए थानांतरण नी त पर पर पुनः वचार

करने क आव यकता महसस ू हुई. तदनस
ु ार इस संबंध म अ खल भारतीय यू नयन बक ऑफ
इं डया अ धकार संघ के त न धय के साथ चचा हुई तथा त प चात अ धका रय के लए
संशो धत थानांतरण नी त को बोड के सम तुत कया गया.
3. बोड ने 20.06.2023 को आयोिजत अपनी बैठक म एमएमजीएस-III तक के अ धका रय के

लए थानांतरण नी त को अनुमो दत कया है.
4. अ धका रय के लए थानांतरण नी त का उ े य, बक म थानांतरण के लए दशा नदश

क परे खा तैयार करना है ता क कारोबार आव यकताओं क पू त सु नि चत हो सके.
5. इस नी त क व तत
ृ जानकार , इस प रप के साथ प र श ट के प म संल न है .
6. यह नी त 31.03.2025 तक वैध रहे गी तथा इस नी त क अव ध को बंध नदे शक एवं

सीईओ के व श ट अनुमोदन से अ धकतम 3 मह ने तक और बढ़ाया जा सकता है . य द
आव यक हो, तो बोड के अनुमोदन से, वैधता अव ध के दौरान नी त क समी ा/आशो धत
कया जा सकता है .
7. इस प रप क वषयव तु को सभी संबं धत के यानाथ लाया जाना चा हए.

Employee Relations Division, Human Resources Vertical,
Central Office, Mumbai
239, Vidhan Bhavan Marg, Nariman Point, Mumbai - 400 021
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Staff Circular No. 8019 Date: 30th June 2023
To: All Branches / Offices
Transfer Policy for Officers up to MMGS-III
1. The banking industry has undergone tremendous dynamic changes with fast paced
digitization, innovative & customised products & services and stiffer competition.
Considering the available demographic mix, we must leverage upon the expertise
and available resources in a more constructive way for augmenting business
growth and providing more opportunities to our officers. Further, there is a need
to realign the Transfer Policy for Officers as per organizational requirements as
well as Officers' expectations so as to ensure that the entire exercise of transfer is
smooth and it acts as a catalyst in improving the performance of the Officers,
besides boosting their morale.
2. This has necessitated a need to revisit the Transfer Policy for Officers up to
MMGS-III. Accordingly, discussions were held with the representatives of All India
Union Bank of India Officers’ Federation in this regard and thereafter amended
Transfer Policy for Officers was placed before the Board.
3. The Board in its meeting held on 20.06.2023 has approved Transfer Policy for
Officers up to MMGS-III.
4. The objective of the Transfer Policy for Officers is to outline the guidelines for
transfers in the Bank in order to meet the business needs.
5. The detailed policy is enclosed as Annexure to this circular.
6. The Policy will be valid up to 31.03.2025 and its validity may be extended further
for a period of 3 months with the specific approval of the MD & CEO. If required,
the policy may be reviewed/modified during the validity period, with the approval
of the Board.
7. The contents of this Circular should be brought to the notice of all concerned.
Transfer Policy for Officers up to MMGS-III
Transfer Policy for Officers up to MMGS-III Staff Circular 8019 dated 30th June, 2023
Table of Contents
S. Particulars Page No.

No.
1 Objectives of Transfer Policy 1
2 Key Terms 1
3 Key Policy Clauses 3
4 Eligibility 3
5 Grounds for Transfer 4-13
5.1 Request Transfers
5.2 Transfer on Compassionate Grounds
5.3 Transfer Request for Joining Spouse
5.4 Transfers on account of longer tenure in a zone
5.5 Placement on Promotion
5.6 Rotation Transfer
5.7 Rural and Semi Urban Service
5.8 Inter Region – Lateral Transfers/Posting
5.9 Administrative requirement / exigencies/ Statutory Compliances
5.10 Transfer of Directly Recruited Officers
5.11 General Exemptions
6 Transfer of Specialist Officers (Scale I to III) 13
7 Temporary Transfer 13
8 Execution of Transfer Orders 13-16
8.1 Transfer Tool & Posting Tool
8.2 Competent Authorities to Issue Transfer Orders
8.3 Time Period for Executing Transfers
8.4 Procedure for Effecting Transfer Orders
8.5 Relieving Procedure
8.6 Joining Time
9 Effective Transfer Management 16
10 Other Important Provisions 17
10.1 Re-transfer of Officers posted in North-Eastern States under Incentive
Scheme of the Government
10.2 Persons with Disability
10.3 Sports Persons
10.4 Guidelines in respect of transfers of SC/ST Officers
10.5 Transfers of physically challenged/differently abled employees
11 General Guidelines 18
12 Bank’s Right for Exigencies 19
13 Competent Authority for further interpretation of the policy 19
Annexure to Staff Circular No. 8019 dated 30th June, 2023
Transfer Policy for Officers upto MMGS-III
TRANSFER POLICY FOR OFFICERS UP TO MMGS-III
Union Bank of India shoulders the responsibility of catering to the career aspirations as well
as personal fulfilment of a large number of officers who have been delivering their best for
the achievement of corporate objectives. The Bank envisages to be the employer of first
choice among Public Sector Banks and on the same lines Bank believes in fostering a culture
of comprehensiveness, congeniality, and favourable climate for business growth. Bank
endeavours to provide an environment to its officers which aids them in pursuit of their
career growth/mobility, achieve organizational goals, enhance productivity, motivation and
minimize discomfort.
1. Objectives Of Transfer Policy:
1.1 The Transfer Policy is framed to achieve the following objectives:
1.1.1 This Transfer Policy aims at bridging the gap between officers’ social / personal
needs and career growth as well as the business growth of the organization,
besides ensuring uniformity and transparency.
1.1.2 Transfers are required for various business reasons, like exposure to banking at
various locations, to reasonably rotate officers from one station to another, to
prevent frauds, to fulfil the needs of various locations, to enable the officer to
gain required rural/semi urban branch experience or on compassionate
grounds, to align with the Bank’s Policy/philosophy of encouraging broad based
skills in its officers and to meet various administrative exigencies.
1.1.3 The objective of the Transfer Policy is to outline the guidelines for transfers in
the Bank in order to meet the business needs. It will be the Bank’s endeavour
to align to the officers’ needs and make the Transfer Policy helpful to their
career progression in the Organization.
1.1.4 To fall in line with the guidelines issued by Central Vigilance Commission and
Government of India from time to time
2. Key Terms
2.1 State
2.1.1 The term ‘State’ will mean geographical area as defined or determined by
the Government of India from time to time. A Centrally Administered area or
Union Territory will also be treated as a separate State for the purpose of this
Policy. However, looking to Bank’s branch network and other operational
constraints hampering the mobility of the officers, following exceptions shall
be made, in order to give a good exposure to the officers, only for the purpose
of this Policy:
2.1.2 All states in North-Eastern Region will be treated as one unit looking to the
limited network of branches and less possibility/ chances of job rotation in
the said Region.
Classification: Internal
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2.1.3 Pondicherry City, its suburbs and Karaikal will be deemed to be a unit of Tamil
Nadu and Mahe will be deemed to be unit of Kerala State.
2.1.4 Entire area of NCR (National Capital Region) under the jurisdiction of Zonal
Office, New Delhi will be treated as same unit.
2.1.5 Chandigarh, for the time being will be treated as a unit within the State of
Haryana.
2.1.6 Diu, Daman, Dadra & Nagar Haveli will be deemed to be unit of Gujarat State.
2.1.7 Greater Mumbai which includes branches/offices in Greater Mumbai, Thane

and Palghar and rest of Maharashtra will be treated as separate Units.
2.1.8 Yanam will be treated as part of Visakhapatnam Zone.
2.1.9 Andaman and Nicobar Islands will be treated as part of Kolkata Zone.
2.2 State of Domicile:
2.2.1 For the purpose of this Policy, State of Domicile of an officer shall be as per
the records available in HRMS package, Union Parivar.
2.3 Zone
2.3.1 The term ‘Zone’ will mean geographical area as defined in Circular letter
No.00220 dated 12.06.2020 and Circular letter no. 0254 dated 02.07.2020
issued by Amalgamation Management Office, Business Process
Transformation, Central Office, Instruction Circular No. 4028-023 dated
13.04.2023 issued by Operations Vertical or determined by the Bank from time
to time
2.3.2 Jurisdiction of Zone for Central Office
For the purpose of posting /placement / transfer of officers, Branches/

Offices coming under Mumbai Zone, Central Office and its annexes/ back
offices located in Mumbai shall be considered as single unit. Rest of
Maharashtra coming under Pune Zone shall be treated as separate unit.
Similarly, for the purpose as stated above, the annexe / Back offices of
Central Office located in any other Zone such as Hyderabad/Mangalore/ Delhi
(Incl. GB Vertical)/ Bengaluru, Lucknow etc. shall be administratively
considered as part of the Zone where these are located.
However, posting/transfer of any officer to and from Central Office or its

annexes / back offices located anywhere shall be done by Central Office.
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2.4 Parent Zone:
2.4.1 Parent Zone is the Zone from where an Officer has been transferred either on
promotion, for meeting Bank’s exigencies, to have required rural/semi-urban
experience to gain eligibility for promotion, synchronization of grades/posts,
on compassionate grounds, on account of longer tenure criterion or
rationalization of manpower.
2.4.2 In case of directly recruited Officers, the parent Zone shall be as per the
place of Domicile of an officer as per records in the HRMS package.
3. Key Policy Clauses
Below are the key policy clauses applicable to the officers governed under
this Policy:
3.1 To fall in line with the guidelines issued by Central Vigilance Commission and
Government of India
It may be noted that these clauses are subject to amendments as advised by

RBI/Government guidelines which may be received by the Bank from time to
time.
3.2 All the officers shall be governed by Regulation 47 and 48 of Union Bank of
India (Officers’) Service Regulations, 1979 as amended from time to time.
Accordingly, every Officer is liable for transfer to any Office or Branch of the
Bank or any place in India and every Officer shall be available for Bank's duties
at any time of the day.
Nothing mentioned in this Policy shall restrict the scope of any of the
provisions of Union Bank of India (Officers’) Service Regulations, 1979, Union
Bank of India Officer Employees’ (Discipline & Appeal) Regulations, 1976,
Union Bank of India Officer Employees’ (Conduct) Regulations, 1976, all
amended from time to time and/or guidelines/rules formulated from time to
time by the Bank in connection with posting/deployment/ rotation of officer
employees up to MMGS-III. The Bank will be free to transfer any officer
anywhere in the Country to meet its exigencies. Notwithstanding anything
contained in this Policy, the Bank reserves its right to retain/transfer any
officer, entirely at its discretion.
4. Eligibility
Transfers of all officers from JMGS-I to MMGS-III will be governed by this Policy.
Accordingly, “Officer” for this purpose shall only mean any officer presently working
in JMGS-I to MMGS-III.
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5. Grounds for Transfer

Transfers in the Bank will be effected normally on account of the following:
i. Request Transfer to consider the request transfer of officers on various grounds like
request for transfer to parent Zone, request on Spouse & Compassionate Grounds.
ii. Transfers on account of Longer Tenure in a Zone
iii. Placement on Promotion
iv. Job Rotation
v. To provide Rural / Semi Urban Branch Service experience to officers
vi. Administrative requirement / exigencies Due to synchronisation of grades/posts,
rationalization of manpower, to ensure compliance to CVC/RBI/Govt of India
guidelines, as a preventive vigilance measure or on account of occurrence of fraud
and initiation of Disciplinary action, any POSH related matter, to meet other
exigencies etc.
Annual Request Transfer Exercise
All inter-zone / intra-zone/ inter-region / intra-region request transfers of officers

in JMGS-I to MMGS-III on various grounds i.e. Request for transfer to Parent Zone,
other Zone shall be considered on annual basis.
However, for Spouse grounds/Compassionate grounds, requests shall be considered

as per sub clauses explained further in the policy.
5.1 Request Transfers
5.1.1 Officers who have been transferred from one Zone to another Zone on
account of promotion/longer tenure in a Zone criterion (or lateral transfer)
or due to administrative exigencies like rationalization of manpower/
completion of Rural / Semi Urban Branch Service etc. will be eligible to
request for transfer after completion of 3 years (or more or as per the cut-
off date decided by the Competent Authority) in the Zone in a particular
scale, subject to the availability of vacancies.
Unless under compassionate or spouse grounds, officers will be required to

serve for a minimum period of 3 years in a particular Zone upon
placement/transfer, in normal circumstances.
5.1.2 The officers who wish to return to their parent Zone or those wish to
request for transfer to another Zone after completion of required tenure
of 3 years in a particular Zone or those seeking transfer on Compassionate
/Spouse grounds shall be required to submit their transfer request
application in Union Parivar.
The officers requesting for transfer to parent Zone/other Zone, other than
on Compassionate/ Spouse Grounds, shall have the option to apply for 2
Zones with 3 Regions per each Zone as per their order of preference,
including their parent Zone, for request transfer. As far as
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possible, for officers requesting transfer to parent Zone, their first

preference will be considered, subject to availability of vacancies.
Further, for officers requesting transfer to other than parent Zone
(excluding medical/compassionate/ spouse grounds), it is the sole
discretion of the Management to accede or reject such requests based on
availability of vacancies, rationalization of manpower and business
requirements of the Bank.
When submitting a transfer request on compassionate or spouse grounds,

the officer will have the option to select their preferred zone and
preferred region of choice.
Nevertheless, the decision to approve such requests will be at the sole

discretion of the Management, based on the availability of vacancies,
rationalization of manpower and the business requirements of the bank.
5.1.3 For the purpose of reckoning the completed number of years of service in
the Zone, the cut-off date would be 30th June (or as decided by the
Competent Authority) in respect of Officers to be transferred under this
clause.
5.1.4 Request transfers, under all categories mentioned above, shall be

considered only if the officer concerned has submitted all the
Quarterly/Annual Performance Appraisals (APARs) and also Statements of
Assets and Liabilities in Union Parivar up to 31st March of the year when the
officer's request is being considered.
5.1.5 There shall be check system in the Union Parivar request transfer module
which will prevent from submission of request transfer in case of non-
submission of APAR and Statement of Assets and Liabilities. No manual
requests through hard copy/ posts/e-mails shall be entertained in respect
of such cases.
5.1.6 Once request Transfer of an officer for a Zone is acceded to and

subsequently, the officer requests for cancellation of his/her transfer
orders; any further transfer request made by such officer for same Zone
shall not be considered upto one year from the date of cancellation of the
officer's request.
5.2 Transfer on Compassionate Grounds
5.2.1 The Bank, at its sole discretion, may consider transfer application
cases, on compassionate grounds independent of the transfer process
applicable in the above clauses. This will include:
a) Cases where the parent/s, spouse, children of the officer, any

dependent family member or the officer himself/herself need
medical assistance on account of Terminal/critical illness like
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Cancer, Paralytic Stroke, Renal/Liver Failure, Thalassemia,

Parkinson's disease, Epilepsy, CABG or any other medical condition
as deemed fit by a Senior Medical Practitioner i.e. Chief Medical
Officer/District Medical officer or its equivalent) thereby requiring
transfer to a particular location having medical facilities. Officers
shall be required to submit self-attested copy of Certificate of
critical illness issued by Chief Medical Officer /District Medical
officer or its equivalent along with their request. Officers shall
necessarily be required to record the case in the health
declaration page as envisaged in clause 5.2.3 of this policy if they
are to avail the exemption.
b) Death of Spouse – request to be considered within a period of one
year from the date of death of spouse
c) Retirement of self within one year up to 30th June next year
5.2.2 Management may consider other requests on Compassionate grounds

depending on the gravity of circumstances on case-to-case basis.
5.2.3 The officers in such cases have to route their application through
Union Parivar and the concerned Regional Office / Zonal Office /
respective Vertical, after satisfaction of the contents therein, shall
recommend or otherwise refer the case to the Competent Authority.
Based on the merits of the case, the decision to transfer an officer
will be taken and it will be at the sole discretion of the Management.
Officers shall be required to submit Health Declaration format along
with the necessary medical records and supporting documents at the
time of submission of request in HRMS Union Parivar. The respective
Regional Office/Zonal Office will meticulously scrutinize and approve
these documents.
5.2.4 Request for Transfers received from spouses of serving Army /

Defence / Central Armed Police Forces / Central Paramilitary Forces
Personnel to be considered on priority for joining spouse at the centre
where he/she is residing. Any such request from spouse of Army /
Defence / Central Armed Police Forces / Central Paramilitary Forces
Personnel shall not be counted as one of the requests to which the
officer is entitled.
5.2.5 Request for Transfers received from spouse of serving Army / Defence
/ Central Armed Police Forces / Central Paramilitary Forces Personnel
whose spouse is posted in War Zone/ disturbed area for posting at
place where parents are residing may also be considered without
being counted as a request to which the officer is entitled during
his/her career.
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5.3 Transfer Request for Joining Spouse
5.3.1 A female officer can seek transfer to join her husband after marriage
or due to transfer of her husband from the present location. Such
request may be considered at the sole discretion of the Management,
subject to availability of vacancy in the respective location. However,
the lady officer will not be exempted from transfer as contained in
clause 5.4 & 5.5 on the ground that it will amount to separation from
her husband, and she has to carry out the transfer.
5.3.2 The transfer request for joining spouse is allowed only twice in her
entire career and there should be minimum gap of 3 years between
two such transfers. The exercise of accepting transfer on spouse
ground will be conducted once in a year, preferably in the month of
April / May, along with Annual General Transfer exercise.
5.3.3 In case where both husband and wife are employed as officers in the
Bank, as far as possible, they shall be posted at / around the nearby
station, within the same Region.
5.3.4 In case where both husband and wife are employed in the Bank and
one of them is in clerical cadre, then as far as possible, they shall be
posted at / around the nearby station, within the same Region.
However, movement of the employee in clerical cadre (out of the two)
shall be governed as per transfer policy for Award Staff.
5.4 Transfers on account of longer tenure in a Zone
5.4.1 After consideration of request transfers under the “Annual Request

Transfer Exercise”, tentative identified Surplus & Deficit Zones, scale
wise in JMGS-I, MMGS-II and MMGS-III, as approved by the Competent
Authority, will be notified, considering the sanctioned manpower and
unfilled vacancies.
5.4.2 Vacancies identified in the higher Grade/Scale in the Zone will be first
filled in by transferring back the officers who have completed 3 years
(or number of years as decided by the Competent Authority) of
service/posting out of parent Zone, in a particular scale, on
promotion/ longer tenure/ lateral transfer or rural/semi-urban
postings or synchronization of grade/scale or otherwise. Such officers
will be transferred back to their parent Zones in the order of their
date of reporting in the existing Zone where they were transferred on
promotion/longer tenure/lateral transfer, rural/semi urban posting
etc.
5.4.3 Officers, who have completed service tenure of 9 years or more, (or
as decided by the Competent Authority) in Officer Cadre, in a
particular Zone will be transferred out of that Zone and will be placed
in another Zone for serving minimum period of 3 years. As
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far as possible, tenure of 9 years or more in descending order in the

same Zone in Officer cadre, be taken into consideration while
effecting such transfers. The male / female/ other officers who have
reached the age of 54 / 52 / 54 years respectively as on 30th June as
of that financial year will not be moved out of Zone under this clause.
The Officers who are so transferred outside the Zone would be eligible
to be transferred back to their parent Zone after completion of 3 years
of service outside their parent Zone, in the order of their date of
reporting in the Zone where they are so transferred. Such Officers will
be required to apply for transfer requests in HRMS-Union Parivar.
Officers who get promoted but are coming under the criterion of
longer tenure of 9 years or more (or as decided by the Competent
Authority), shall also be transferred out of Zone.
Transfers so effected will be treated as normal transfers and shall

qualify for reimbursement of TE & DA as per entitlement.
5.4.4 Transfer of Specialist officers shall be need based and as per the
recommendations received from the concerned vertical.
5.4.5 General Banking Officers who become due for transfer under this
criterion may be given an option to apply for 5 preferred Zones with
3 Regions per Zone, for placement upon transfer. As far as possible,
Zone may be allotted in the order of preference given by the officer,
subject to availability of vacancy. Criterion such as age of the officer/
tenure spent in a particular Zone/ displacement may be considered
while allocating new Zone. However, it shall not be binding on the
Management to accede to such requests and Management may post
the officer as per Bank’s requirements.
In case no option is exercised by the officer or non-availability of

vacancy in the Zones opted, the allocation shall be done as per
requirement of the Bank.
Similarly, officers who wish to seek exemptions under the criteria

listed at clause No. 5.11 (except subpoints i & iv), in case their
exemption request is not acceded, and they do not opt for any Zone
or their opted Zone has no vacancy, they may be allocated to Zones
as per Bank’s requirement.
As far as possible, care be taken by Zonal Offices to post the

employees having medical issues at centres where medical facilities
are easily available.
Page 8 of 19
5.5 Placement on Promotion
5.5.1 Upon Promotion, under normal circumstances, the officers will be

retained within the Zone, subject to availability of vacancies.
5.5.2 Zonal Offices may decide about retention of promoted officers within
the Region subject to availability of vacancies or movement within
the Zone besides ensuring rotation of officers (once in 6 years) within
Zone.
5.5.3 However, If the promoted officers (under either Normal or Fast Track
channel) are coming under the longer tenure in a Zone criterion, then
they shall be moved out of Zone.
Note
Transfer of Differently abled Officers and Officers having differently
abled dependent family member(s) shall be governed by clause 10.2
of this Policy.
However, if any of such officers, wishes to opt for transfer, he/she

shall be allotted his/her first preferred Zone/Region, irrespective of
the fact whether there is any vacancy in that Zone/ Region or not
The posting of officers in the allotted zone shall be decided by the

respective Zonal Office based on administrative requirements and job
families identified in the Zone. The general guiding principles as
stated in this policy be followed while doing Zonal level postings.
5.6 Rotation Transfer
5.6.1 Job Rotation transfers will be effected in terms of guidelines issued

by Central Vigilance Commission / Reserve Bank of India / Govt. of
India and as per Bank’s requirements from time to time.
5.6.2 The Bank will be free to transfer any officer, anywhere (to any office/
branch) in the country to meet its exigencies.
5.6.3 Every officer will be liable to be transferred from one branch / office
to another branch / office, upon completion of 3 years’ service, within
the Region. In the case of administrative offices, duration of retention
may be up to 5 years. It is further clarified that the officers may be
transferred from branch/office before the period of 3 years also,
depending upon the business needs of the Bank. No officer shall
remain posted on a sensitive seat for more than 3 years in the same
branch/office.
5.6.4 On completion of 5 years in one administrative office, an officer

should normally be posted in a branch, keeping in view the business
Page 9 of 19
and administrative considerations. Placement in Back Office / Audit

Office/ Training College/ULA/ZLC etc. shall be treated as
Administrative Office for the purpose of posting and transfer of
officers. However, officer already serving in branch operations may
be posted again in branch operations on his /her transfer/ placement.
As regards Specialist Officers their deployment / placement may be
carried out as decided by the Bank in view of the administrative
requirements.
5.6.5 With the implementation of Job Family Framework, once an officer

becomes eligible for job family allocation (after completion of 5 years
of service in the Bank), he/she will be allotted a job family in which
he/she will continue for the next 4 years.
Officers due for transfer be transferred within the same job family
during the period of its validity, i.e. 4 years. Further, due to
administrative exigencies, if an officer is to be transferred outside
his/her allotted job family, it is proposed that the same be effected
after obtaining approval from the Competent Authority which shall be
one level higher than the Competent Authority to issue Transfer
Orders as stated in clause 8.2 of the policy. However, for Central
Office, the Competent Authority shall remain CGM (HR).
5.6.6 The officers who have completed 6 years or more in the officer cadre
in a particular Region are liable to be transferred inter-Region, within
the Zone, for accommodating the incoming officers on request
transfers (except in case of any administrative/disciplinary action/
compassionate grounds etc. transfers). Zonal Offices shall undertake
such transfers based on guiding principles in clause No. 5.8
5.6.7 In respect of Officers who are transferred out of their present/parent

Region/Zone on Promotion, then take reversion from Promotion and
are posted back at their previous/parent Region/Zone after
acceptance of reversion, their service in the Officer cadre prior to
promotion and after reversion in the same Region/Zone shall be
considered in continuity and shall qualify for movement under Job
Rotation / movement on account of longer tenure.
5.7 Rural and Semi Urban Service
5.7.1 To provide critical experience to Officers up to Scale III, they should

have at least one stint of 2-3 years in rural and semi urban locations
as required, as per Government guidelines, as enumerated in the
Promotion Policy.
5.7.2 In order to implement the Government guidelines on rural/ semi urban

postings, officers who do not have the requisite rural experience,
probationary officers after completion of their training and promotee
officers shall, as far as possible, be posted in rural areas.
Page 10 of 19
5.7.3 On Promotion from JMGS-I to MMGS-II - Officers who have not

completed minimum 2 years of rural / semi urban service will be
invariably posted in rural / semi-urban Branches. Similarly, on
Promotion from MMGS-II to MMGS-III – Officers who have not
completed minimum 3 years of rural / semi urban posting including 2
years of rural /semi-urban in JMGS-I/MMGS-II, will be invariably
posted in rural / semi-urban branches
In case of any deviation, approval from next higher authority will have
to be obtained by the Regional Office before posting of such officers
in urban / metro locations.
5.7.4 Such officers shall not be posted to urban/ metro areas on deputation
and such period of deputation, if any, shall not be counted for
reckoning minimum tenure of rural/ semi urban posting respectively.
5.7.5 Those having acquired the required rural service experience may not
be repeatedly posted in rural areas.
5.7.6 In case an officer makes a request for posting in rural branch within
the Region, if otherwise eligible, he shall be immediately posted
there. In case of non-availability of vacancy in rural branch, the
officer may be asked to give his/her choice of another Region within
the Zone where his/her services can be utilized for rural branches.
Such requests shall be considered by the respective Competent
Authority. However, such request should be in compliance to Point
No. 5.7.5 above.
5.8 Inter Region – Lateral Transfers/Posting
5.8.1 Zonal Offices may allocate the Regions to incoming officers on

compassionate grounds, repatriation, other request, longer tenure
criterion, rural semi-urban service, administrative grounds etc. based
on job families/ business requirements/ rationalization of manpower
etc. As far as possible, care be taken to post the officers coming on
compassionate grounds/ request transfer to parent Zone, to their
preferred Region/nearby Region. While allocating regions to incoming
officers/promoted officers, intra-region/ inter-region rotation of
officers may be carried out, causing least possible inconvenience to
such officers.
5.9 Administrative requirement / exigencies/ Statutory Compliances
Bank reserves the right to carry out transfer of officers under compliance to or
as per instructions / guidelines received from CVC/RBI/ Government of India or
as a matter of Preventive Vigilance or to meet Bank’s requirement/exigencies or
on account of occurrence of frauds etc. Officers against whom disciplinary action
is underway / officers who are suspended are also liable to be transferred out of
their present Region /Zone.
Page 11 of 19
5.10 Transfer of Directly Recruited Officers
Directly recruited officers in Scale I to Scale III need to complete 3 years of

service in the Zone where they have initially joined, before becoming eligible to
move outside the Zone. Applications for such transfers will be considered solely
at the discretion of the Bank, as per exigencies and availability of vacancies/
substitutes. However, transfers on compassionate grounds for directly recruited
officers who have not completed 3 years, will be considered only on the ground
of major ailments etc. or any other compassionate grounds on case-to-case basis
solely at the discretion of the Bank. Transfer of female officers on spouse grounds
shall be considered as per clause No. 5.3.1 of this policy
5.11 General Exemptions
While carrying out rotational/lateral or other transfers, the below mentioned

may be exempted depending on the gravity/genuineness of circumstances:
i. Transfer of differently abled officers and officers having differently abled

dependent family members shall be governed as per Clause 10.2 of this
policy and Government guidelines received from time to time
ii. Cases where the parent/s, spouse, children of the officer, any dependent
family member or the officer himself/herself need medical assistance on
account of Terminal/critical illness like Cancer, Paralytic Stroke,
Renal/Liver Failure, Thalassemia, Parkinson's disease, Epilepsy, CABG or
any other medical condition as deemed fit by a Senior Medical
Practitioner i.e. Chief Medical Officer/District Medical officer or its
equivalent. Officers shall be required to submit self-attested copy of
Certificate of critical illness issued by Chief Medical Officer /District
Medical Officer or its equivalent along with their request. Officers shall
necessarily be required to record the case in the health declaration page
as envisaged in clause 5.2.3 of this policy if they are to avail the
exemption. This declaration has to be submitted as and when the ailment
is diagnosed or even for pre-existing ailments.
iii. Death of Spouse- the exemption shall be for a period of two years from
the date of death of spouse
iv. Lady officers may also be exempted from inter-zonal transfer in the
following cases:
a) If they are in a family way, the exemption will be for a period of three
years (including 9 months of family way).
b) Having a child below two years of age, the exemption will be till the
period the child turns 2 years of age.
The exemptions to lady officers as mentioned above shall also be

applicable in case of transfer on account of longer tenure in a Zone/
lateral movement/ Promotion and at any given time, for one promotion
placement/job rotation out of Region/lateral transfer, only one of the
above mentioned two exemptions shall be applicable. Once exemption
under any of a) or b) is availed by the lady officer from the transfer
Page 12 of 19
exercise, repeated exemption under the same clause or consecutive

invocation of both the clauses shall not be permissible for the Transfer
Orders issued. After the exemption period is over, the officer concerned
has to undergo the transfer exercise.
However, the aforesaid exemptions/ concessions (at point No. i. to iv.)

would not be available to such officers who are transferred on grounds of
disciplinary action / any POSH related matter or are involved in
fraudulent transactions.
6. Transfer Of Specialist Officers (Scale I to III)
The concerned vertical Heads will undertake annual exercise of recommending

transfer/posting on account of longer tenure in a Zone / promotion / job rotation /
administrative exigency etc. of Specialist Officers, keeping in view the broad
guidelines of Transfer Policy as applicable to General Banking officers. Transfer of
Specialist Officers shall be need based depending on Business requirements and
respective Verticals’ recommendations. The Transfer & Posting Tool, timelines and
procedures shall remain the same as mentioned for General Banking Officers.
7. Temporary Transfer
All inter-region, inter-zone temporary transfers shall be done by HR Vertical, Central

Office. The Competent Authority in such cases shall be CGM (HR). Cases requiring
special consideration shall be referred by respective ZOs to CO along with
recommendations for approval.
Temporary transfer shall be initially done for a period of 3 months, which is
extendable by another 3 months, beyond which no further extension shall be
granted. Once the period of temporary transfer is completed, the officer is required
to immediately report back to the previous place of posting as mentioned in the
order.
8. Execution of Transfer Orders
8.1 Transfer Tool & Posting Tool
8.1.1 Bank has undertaken Project Union Prerna under which Transfer &
Posting Tool has been developed, through which posting & placement
of officers up to MMGS-III shall take place, in a transparent and efficient
manner. It is a tool for the end-to-end Transfer & Posting process for
inter-zonal, inter-regional & intra-regional transfer and movement
based on employee job family & performance, subject to availability of
vacancies. Guidelines contained in the Transfer Policy for Officers shall
form part of the trigger & functioning of the Posting Tool. The transfer
& posting process for Specialist Officers up to MMGS-III shall also be
done through the Transfer & Posting Tool. Further, all orders
Page 13 of 19
(promotion / lateral/longer tenure movement /requests / management

exigencies / other compassionate grounds etc.) are to be issued through
the Transfer module in Union Parivar only.
8.2 Competent Authorities to Issue Transfer Orders:
Officers/ Executives Competent In case of Deviations,

Authority next higher Authority
Officers in a Region up to Regional Head Zonal Head of respective

MMGS-III of Respective Zonal Office
Region
All Inter-Region Transfers up to Zonal Head of Chief General Manager
MMGS-III within a Zone including respective (HR)
transfer on account of longer Zonal Office
tenure, Promotion, Compassionate
grounds like medical/spouse
ground etc. within the Zone
All Inter-Zone Transfers including Chief General Executive Director

Transfer on account of longer Manager (HR) handling HR Portfolio
tenure, Promotion, Compassionate
grounds like medical/spouse
ground etc.
8.3 Time Period for Executing Transfers
8.3.1 As far as possible all transfers shall take place in the first quarter of
financial year i.e. from 1st April to 30th June through the online Transfer
& Posting Tool / Module in Union Parivar. Normally there shall be no
transfer exercise after 30th June of every year. However, in case, some
transfers have to be effected between 1st July of the year to 31st March
of next year, the same shall be approved by HR Vertical, Central Office.
8.3.2 Transfer of officers after June, other than transfer on following grounds
/ situations, even on administrative exigencies, except on Promotion,
would require prior approval of Competent Authority at Central Office,
HR Vertical. After obtaining approval, transfer orders within the Zone
shall be issued by respective Zonal Office and inter-Zonal orders will be
issued by Central Office, HR Vertical
a) Transfer for manning new Branches.

b) Transfer for filling up vacancies arising out of death /
superannuation/ VRS / Resignation / Capital Punishment or any other
vacancy arising due to disciplinary action proceedings / transfer
action under POSH/ any other kind of cessation of service.
8.3.3 Since the online transfer module shall be operational only till 30th June
of the year, in case of consequential vacancies concerned RO/ZO may
Page 14 of 19
seek permission from Central Office for opening the module for
effecting such transfers.
8.4 Procedure for Effecting Transfer Orders:
As far as possible, officers shall not be asked to initially report to RO to collect

their posting orders. Zonal Heads/Regional Heads shall decide the posting of
officers beforehand and issue orders accordingly. This applies to all transfers
effected as request transfers/ administrative transfers. This would obviate the
delay in posting, inconvenience and expenditure on travel.
8.5 Relieving Procedure
8.5.1 Relieving and reporting has to be implemented and carried out as per the
date mentioned in the Transfer Order In case the relieving is done centrally,
all officers under transfer shall stand relieved as per the date given by Central
Office. In case of non-reporting at new place of posting, action as deemed fit
be initiated by the reporting office.
Extension / permission for temporary retention can be given by CGM(HR) in

exceptional cases such as the Branch / Office is under audit/ medical
emergency of the employee or his/her close relatives (parents / dependent
family members) etc. Maximum extension that can be permitted shall be 3
months.
8.5.2 Sanction of leave and other emoluments to officers who have not reported at
the transferee office
An officer on transfer after being relieved from previous office will cease to
be under the administrative control of that office. He will be under the
administrative control of the transferee office. Accordingly, the matters
relating to sanction of leave, payment of salary etc. shall be dealt by the
transferee office.
As regards the Competent Authority to sanction leave, payment of salary etc.

to such employees who have not reported at the transferee office, it is
clarified that the transferee office may sanction the leave only after
satisfying itself with the reasons for leave applied for and release the salary
etc. for such period of leave.
8.6 Joining Time:
8.6.1 As per Regulation 49 of Union Bank of India (Officers’) Service Regulations,

1979:
i) An Officer shall be eligible for joining time on one occasion and not
exceeding seven days, exclusive of the number of the days spent on
travel, to enable him/her
Page 15 of 19
a. to join a new post to which he/she is appointed while on duty in

old post,
OR
b. to join a new post on return from leave.
ii) During the joining time an Officer shall be eligible to draw the
emoluments as applicable to the place of transfer.
iii) In calculating the joining time admissible to an Officer, the day on which
he/she is relieved from his/her old post shall be excluded but public
holidays following the day of his/her relief shall not be included in
computing the joining time.
iv) No joining time shall be admissible to an Officer when the transfer does
not involve a posting to a different place.
v) No joining time will be admissible to an Officer when his/her posting is

of a temporary nature, irrespective of the fact that the posting is to a
place or station other than the one at which he/she is permanently
posted.
8.6.2 Provisions in respect of request transfer shall be governed by clause 11.1

below
8.6.3 An officer can avail joining time up to 3 months from the date of his/her
relieving. In case the same is denied by the Competent Authority, it is
extendable by another 3 months. The joining time shall lapse after
completion of 6 months from the date of relieving of the officer.
9. Effective Transfer Management
Bank will take steps to make transfer process smoother and more structured.
Transfer process will be completed by 30th June to cause minimum disruption to the
officers’ children’s academic year.
It will be ensured that transfer orders are not kept pending without any cogent
reason, in order to make the transfer process more effective.
Page 16 of 19
10. Other Important Provisions
10.1 Re-transfer of Officers posted in North-Eastern States under Incentive Scheme

of the Government:
Such Officers will be transferred back to their parent state within a period of 2-
3 years.
10.2 Persons with Disability:
10.2.1 Notwithstanding anything mentioned herein above, physically challenged

Officers, who are in receipt of conveyance allowance as per Government
guidelines, would normally be exempted from routine periodical transfers
outside the Station, subject to administrative exigencies. Such Officers
would not be normally transferred, even on promotion, if a vacancy exists
in any of the Offices/Branches /Towns/Cities. When the transfer of
physically challenged Officers becomes inevitable on promotion or
otherwise, to a place other than their original place of appointment, due
to non-availability of vacancy, it would be ensured that such Officers are
kept nearest to their original place of posting and in any case, not
transferred to far off or remote places.
10.2.2 This concession would not be available to such of the handicapped

employees who are transferred on grounds of disciplinary action or are
involved in fraudulent transactions/ POSH related action.
10.2.3 Transfer of differently abled officers and those having differently abled
dependent family members shall be governed by Government of India
guidelines as received from time to time.
10.3 Sports Persons
Notwithstanding anything contained hereinabove, only those sports persons who

regularly take active part in sports events at State / National / International
level will not be moved out of the present Zone on account of longer tenure or
on promotion subject to certification by the ZO/RO. However, Management
reserves the right to post such officers as per requirement of the Bank.
10.4 All Government guidelines in respect of transfers of SC/ST Officers will be

observed.
10.5 Transfers of physically challenged/differently abled employees and those having

differently abled dependent family members, on compassionate grounds and
transfer requests on spouse grounds, as far as possible, will have precedence
over other transfers without affecting Bank’s right to transfer /retain the officer
arising out of Bank’s exigencies and the same will be considered during the
annual transfer exercise.
Page 17 of 19
11 General Guidelines
11.1 In case request transfer of Officers other than on completion of minimum

required tenure of 3 years in a particular Region/Zone, is considered by the
Competent Authority, the concerned officer will not be entitled to TE/TA/DA
and transfer expenses/ joining time etc. and he/she will have to carry out the
transfer at his / her own expenses. Similar rules shall be applicable in case of
inter-region transfers within the Zone. The order issuing authority shall
specifically mention on the transfer order whether or not the transferred officer
is entitled to TE/DA as per rules.
11.2 For arriving at the requisite period of service for transfers, the period of
temporary transfer, sabbatical leave, leave on loss of pay and allowances, if any,
shall be treated as passive period of service and shall not be counted. However,
if in any case, an officer is not relieved upon completion of temporary transfer
period, due to Bank’s exigencies, such extended period shall be counted as
period of active service.
11.3 Bringing any outside influence by an Officer to further his/her transfer /

cancellation of transfer issued to him/her will amount to breach of Regulation
12 of Union Bank of India Officer Employees’ (Conduct) Regulations, 1976 as
amended from time to time and may invite appropriate action therefor.
11.4 All Officers of the Bank shall have to stay at the place of their posting until and
unless permitted otherwise. In case of Branch Managers, such permission will
be granted by the Zonal Head and for other Officers, the same will be given by
Regional Head.
Further, all officers are required to obtain prior permission from the Competent
Authority i.e. Leave Sanctioning Authority before leaving Station Head Quarters
through HRMS – Union Parivar, while availing leave to visit outside station and
for leaving stations during weekends/ holidays.
11.5 The process of handing over of charge by the outgoing Branch Head to the
incoming Branch Head in case of transfer should be followed as per
guidelines/format issued by the Bank on the subject. In case an officer under
transfer is working as Branch Head / In-Charge of MLP, RLP, ALP (Agri. Loan
Point), UMFB, ARB, SAMB, Currency Chest, Mid Corporate Branch, LCB,
CAPS/CMS, Service Branch etc. and gets relieved before reporting of his/her
successor at the branch/office, he/she should hand over the charge to the
second line officer of the Branch as per the format. Thereafter, the succeeding
Branch Head / In-charge shall take over the charge from the second officer.
11.6 No officer shall be posted in the same Office/Branch and in case of Central
Office, same Vertical / Department of his/her Spouse and any other person
related to him /her. Relationship shall include son, daughter, son-in-law,
daughter-in-law, brother-in-law, brother, sister, father, mother, uncle, aunt,
mother-in-law, father-in-law, first cousin, nephew or niece of the employee or
Page 18 of 19
his/her spouse. It shall be the responsibility of the concerned Officers to inform

about the relationship.
11.7 It has to be ensured that the officers holding sensitive posts should be removed
from the posts at least 6 months prior to their retirement and arrangement for
suitable replacement must be made in time.
11.8 An officer transferred to other office / branch on account of promotion/longer

tenure criterion or in the same capacity under job rotation/other administrative
exigencies, shall not be transferred back to the same office /branch within a
period of 3 years.
11.9 The Regional Offices / Zonal Offices shall avoid transfer of Branch Heads before
completion of one year tenure at a particular branch, except in case of genuine
requirement(s)/circumstances like longer tenure transfer/ consideration of
lateral requests/ compassionate grounds etc. where it is necessary to change
the Branch Head. In case Branch Head is transferred before completion of one
year tenure, reasons for the same shall be recorded in the approval note and
informed to next Higher Authority.
11.10 Top performers, (as derived from the revamped Performance Management
System under EASE Agenda), to the extent of 10% of the vacancies available in
the respective Region/Zone, will be incentivized by giving preference in
placement/postings, subject to completion of minimum two years’ service in the
existing Region / Zone.
11.11 Normally, no representations against Transfer Orders shall be entertained.

However, in case of any exigencies/genuine medical or other compassionate
reasons, if any officer has to make any request/ representation in respect of
Transfer Order and the delegation for the same rests with Central Office, the
same shall have to be forwarded with recommendations through respective RO
& Zonal Office /Vertical In charge in case of Central Office Officers.
In case delegation rests with the Zonal Office, the same shall have to be
forwarded with the recommendations through respective RO.
12 The Bank reserves its right to amend, vary or rescind all or any of the clauses of this
Policy at any point of time without assigning any reason.
13 For further interpretation of any clause of this policy, CGM (HR) shall be the Competent
Authority to issue such clarifications.
14 The Policy shall be valid up to 31.03.2025 and the validity of the policy may be extended
further for a period of 3 months with the specific approval of the MD & CEO. If required,
the policy may be reviewed/modified during the validity period, with the approval of
the Board.
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Page 19 of 19

Transfer Policy For Officers 15jul23

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का मक संबध

ं भाग, मानव संसाधन व टकल,

एमएमजीएस-III तक के अ धका रय के लए थानांतरण नी त

1. ब कं ग उ योग म व रत ग त वाले डिजटल करण, नवो मेषी और अनुकू लत उ पाद ,

2. इससे एमएमजीएस-III तक के अ धका रय के लए थानांतरण नी त पर पर पुनः वचार

3. बोड ने 20.06.2023 को आयोिजत अपनी बैठक म एमएमजीएस-III तक के अ धका रय के

4. अ धका रय के लए थानांतरण नी त का उ े य, बक म थानांतरण के लए दशा नदश

6. यह नी त 31.03.2025 तक वैध रहे गी तथा इस नी त क अव ध को बंध नदे शक एवं

7. इस प रप क वषयव तु को सभी संबं धत के यानाथ लाया जाना चा हए.

To: All Branches / Offices

Transfer Policy for Officers up to MMGS-III

5. The detailed policy is enclosed as Annexure to this circular.

S. Particulars Page No.

TRANSFER POLICY FOR OFFICERS UP TO MMGS-III

1. Objectives Of Transfer Policy:

1.1 The Transfer Policy is framed to achieve the following objectives:

2.1.7 Greater Mumbai which includes branches/offices in Greater Mumbai, Thane

2.1.8 Yanam will be treated as part of Visakhapatnam Zone.

2.2 State of Domicile:

2.3.2 Jurisdiction of Zone for Central Office

For the purpose of posting /placement / transfer of officers, Branches/

However, posting/transfer of any officer to and from Central Office or its

2.4 Parent Zone:

3. Key Policy Clauses

It may be noted that these clauses are subject to amendments as advised by

5. Grounds for Transfer

Annual Request Transfer Exercise

All inter-zone / intra-zone/ inter-region / intra-region request transfers of officers

However, for Spouse grounds/Compassionate grounds, requests shall be considered

5.1 Request Transfers

Unless under compassionate or spouse grounds, officers will be required to

possible, for officers requesting transfer to parent Zone, their first

When submitting a transfer request on compassionate or spouse grounds,

Nevertheless, the decision to approve such requests will be at the sole

5.1.4 Request transfers, under all categories mentioned above, shall be

5.1.6 Once request Transfer of an officer for a Zone is acceded to and

5.2 Transfer on Compassionate Grounds

a) Cases where the parent/s, spouse, children of the officer, any

Cancer, Paralytic Stroke, Renal/Liver Failure, Thalassemia,

5.2.2 Management may consider other requests on Compassionate grounds

5.2.4 Request for Transfers received from spouses of serving Army /

5.3 Transfer Request for Joining Spouse

5.4 Transfers on account of longer tenure in a Zone

5.4.1 After consideration of request transfers under the “Annual Request

far as possible, tenure of 9 years or more in descending order in the

Transfers so effected will be treated as normal transfers and shall

In case no option is exercised by the officer or non-availability of

Similarly, officers who wish to seek exemptions under the criteria

As far as possible, care be taken by Zonal Offices to post the

5.5 Placement on Promotion

5.5.1 Upon Promotion, under normal circumstances, the officers will be

However, if any of such officers, wishes to opt for transfer, he/she

The posting of officers in the allotted zone shall be decided by the

5.6 Rotation Transfer

5.6.1 Job Rotation transfers will be effected in terms of guidelines issued

5.6.4 On completion of 5 years in one administrative office, an officer

and administrative considerations. Placement in Back Office / Audit

5.6.5 With the implementation of Job Family Framework, once an officer

5.6.7 In respect of Officers who are transferred out of their present/parent