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Promotion of Digital/Cashless Transactions by Government

Press Information Bureau
Government of India
Ministry of Finance

24-March-2017 16:51 IST

Promotion of Digital/Cashless Transactions by Government 
The data on payment system indicators such as Paper Clearing, National Electronic Fund Transfer (NEFT) and National Automated Clearing House (NACH), registered growth in December, 2016 as compared to November 2016. However, the same showed a decline in January 2017 as compared to December 2016.

• Immediate Payment Service (IMPS), Unified Payment Interface (UPI) and Unstructured Supplementary Service Data (USSD) recorded a growth in January 2017 and December 2016 as compared to November 2016.

• Card transactions at Point of Sale (POS) registered growth in December 2016 as compared to November 2016. However, the same declined in January 2017 as compared to December, 2016.

• Pre-paid Payment Instrument (PPI) - considerable growth in January, 2017 and December, 2016 as compared to November, 2016.

In order to attract general public and facilitate significant behavioural change among public towards digital transactions NITI Aayog had launched two major schemes - Lucky Grahak Yojana for consumers and Digi-Dhan Vyapar Yojana for merchants. 12,72,290 consumers and 70,000 merchants have won prizes for digital payments made through AEPS, USSD, UPI and RuPay cards as on 22nd March 2017.

To incentivize the States/UTs for promotion of digital transactions, it was decided that Central assistance of Rs. 50 crore would be provided to the districts for undertaking Information, Education and Communication (IEC) activities to bring 5 crore Jan Dhan accounts to digital platform. The fund allocation is based on proportion of Jan Dhan accounts of all States/UTs. Under the scheme an incentive @ Rs. 10/- is provided for every individual who has transited to digital payment mode and undertaken at least two successful transactions by any of the five digital payments modes viz: UPI, Rupay / Debit / Credit / Prepaid Cards, AEPS, USSD and E-Wallets. NITI Aayog has so far released an amount of Rs 15.06 crore to 533 Districts as first installment.

In addition to above following measures were also taken to promote less cash payment :

• Unified Payment Interface (UPI) based Bharat Interface for Money (BHIM) App which supports remittance transactions both push and collect was launched.

• Approval has been given for introduction of revised architecture of Unified USSD (Unstructured Supplementary Service Data ) platform (*99#) USSD 2.0 version. This integrates UPI based transactions for USSD users through any type of handset.

• In principal approval has been accorded to National Payments Corporation of India (NPCI) for launch of pilot for the Aadhar Pay Payment mechanism, which will enable the merchant to accept payment from customers using their Aadhar number and biometric data to be authenticated by UIDAI.

• In-principle approval has been given for launching the National Electronic Toll Collection (NETC) system, which uses the Radio-Frequency Identification (RFID) tags for vehicle identification and toll calculation; the toll will be automatically deducted from the prepaid accounts linked with the respective RFID tag.

• In order to facilitate wider acceptance of card payments, the following special measures for debit card transactions (including for payments made to Government), has been introduced for a temporary period between January 1, 2017 and March 31, 2017 ;

i. For transactions upto ? 1000/-, MDR has been capped at 0.25% of the transaction value.

ii. For transactions above ? 1000/- and upto ? 2000/-, MDR has been capped at 0.5% of the transaction value.

With a view promote less- cash payments, the Reserve Bank of India has been releasing its Vision for Payment and Settlement Systems in India on its website since May 2005. The latest Vision document titled “Payment and Settlement Systems in India: Vision-2018” has been released on its website on June 23, 2016. The Vision-2018 aims at building best of class payment and settlement systems for a ‘less-cash’ India. The broad contours of Vision-2018 revolve around 5 Cs – coverage, convenience, confidence, convergence and cost. To achieve these, Vision-2018 will focus on four strategic initiatives such as responsive regulation, robust infrastructure, effective supervision and customer centricity.

This was stated by Shri Arjun Ram Meghwal, Minister of State in the Ministry of Finance in written reply to a question in Lok Sabha today. 

Decision on 7th CPC allowances – Deep sense of frustration among employees

Decision on 7th CPC allowances – Deep sense of frustration among employees
Delaying 7th CPC allowances announcement will cause deep sense of frustration among Central Government employees.
“Reports indicate that the Government might take more time to announce its decisions regarding the Ashok Lavasa Committee’s report on allowances that were prescribed by the Seventh Pay Commission”
The Committee on Allowances was formed under the leadership of Ashok Lavasa in July 2016 to review the recommendations on allowances by the 7th CPC. The committee was initially given 4 months period to submit its report to Finance Ministry.
Later, citing the stagnation that resulted due to demonetization, the Finance Ministry extended the period for submitting the report to 22nd Feb 2017.

Replying to a question in the Parliament, Central Minister Arjun Ram Meghwal said, on March 10, that the Allowance Committee has not yet submitted its report and that the government will immediately announce its decisions on the report as soon as it is received. He added that the committee is in the last leg of preparing its reports and that it would be submitted to the government very soon. And again, the DoPT Minister said the same statement in the Lok Sabha on 22nd March 2017.
Previously, it was said that the government will announce its decision as soon as the assembly elections in the five states concluded. Also, announcements were expected in Arun Jaitley’s budget speech in the Parliament. BJP’s win in the elections is now believed to be the reason behind a dramatic change in the situation.
As far as the Central Government employees are concerned, those living in the accommodations provided by the government are not bothered by the House Rent Allowance because the government doesn’t pay them any House Rent Allowance. Moreover, most higher officials stay in government accommodations.
Decisions on allowances offered to the armed forces are of special significance.
More than 50 lakh employees are hoping that the Centre will implement the revised allowances from April 1 onwards.

Sad Demise

Mother of Shri Suresh Bansode, Postmaster, Aurangabad, expired today, the funeral ceremony at Beed at 2000hrs today. It is a shock to family of Shri Suresh Bansode.

This Association conveys heartfelt condolence on his demise and pray to almighty to give courage to the family members to bear the shock.

Special Leave connected to inquiry of sexual harassment: CCS (Leave) Amendment Rules, 2017

(Department of Personnel and Training)

New Delhi, the 15th March, 2017

G.S.R. 251(E).-In exercise of the powers conferred by the proviso to article 309 read with clause (5) of article 148 of the Constitution and after consultation with the Comptroller and Auditor General of India in relation to the persons serving in the Indian Audit and Accounts Department, the President hereby makes the following rules further to amend the Central Civil Services (Leave) Rules, 1972, namely:-

1. (1) These rules may be called the Central Civil Services (Leave) Amendment Rules, 2017.
(2) They shall come into force on the date of their publication in the Official Gazette.

2. In the Central Civil Services (Leave) Rules, 1972, for rule 48, the following rule shall be substituted, namely:

48, Special Leave connected to inquiry of sexual harassment - Leave upto a period of 90 days may be granted to an aggrieved female Government Servant on the recommendation of the Internal Committee or the Local Committee, as the case may be, during the pendency of inquiry under the Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013 and the leave granted to the aggrieved female Government Servant under this rule shall not be debited against the leave account.

[F. No. 13026/2/2016-Estt. (L)]

Footnote : The principal rules were published vide Notification Number 80. 940, dated the 8th April, 1972 f and were last amended vide Notification number G.S.R. 711(E) dated the 8th October, 2014.
Note : The principal rules were published in the Gazette of India, Extraordinary, Part-II, Section 3, Sub-section (i), vide number S.O. 940 dated the 8th April, 1972 and have been subsequently amended.

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Branches of SBBJ, SBH, SBM, SBP and SBT to operate as branches of SBI from April 1, 2017

Date : Mar 20, 2017
Branches of SBBJ, SBH, SBM, SBP and SBT to operate as branches of SBI from April 1, 2017

All branches of State Bank of Bikaner and Jaipur (SBBJ), State Bank of Hyderabad (SBH), State Bank of Mysore (SBM), State Bank of Patiala (SBP) and State Bank of Travancore (SBT) will function as branches of State Bank of India from April 1, 2017. Customers, including depositors of State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore will be treated as customers of State Bank of India with effect from April 1, 2017.
The Government of India has issued the Acquisition of State Bank of Bikaner and Jaipur Order 2017, Acquisition of State Bank of Hyderabad Order 2017, Acquisition of State Bank of Mysore Order 2017, Acquisition of State Bank of Patiala Order 2017 and Acquisition of State Bank of Travancore Order 2017. The orders dated February 22, 2017 issued by the Government of India were published under Extraordinary Part II-Section 3-Sub-section (i) in the Gazette of India sanctioning the Acquisition of State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore by State Bank of India in terms of sub section (2) of Section 35 of the State Bank of India Act, 1955 (23 of 1955).
Alpana Killawala
Principal Adviser
Press Release : 2016-2017/2504

Operating Procedure of GDS Fee Collection in Post Offices

Sad Demise

Father of Shri Kiran Reddy, IP, Mumbai Regional Office, Mumbai  expired today, the funeral ceremony at his Native place. It is a shock to family of Shri Kiran Reddy.

This Association conveys heartfelt condolence on his demise and pray to almighty to give courage to the family members to bear the shock.

Voluntary Retirement

Smt. Juee Palekar, ASP, Pune Regional Office is retiring from Government Service on Voluntarily on 15.03.2017.

This Association Wishes her a very Happy and Healthy Retired Life 

Sad Demise

Father of Shri D. T. Phanse, ASP, Circle Office, Mumbai  expired  on 12.03.2017 at 20:30 hrs. at his Native Ratnagiri due to old age It is  a  shock to family of Shri D T Phanse

This Association conveys heartfelt condolence on his demise and pray to almighty to give courage to the family members to bear the shock.

Regarding bunching of pay of IP ASP in Maharashtra Circle, details required for Bunching of Pay (Fixation)

Dear colleague's ,
This is regarding bunching of pay w.r.t. IP ASP of Maharashtra Circle.

It has been brought to my notice that the bunching of pay benefit has not been given to the individuals who are entitled to it, as such the said matter has to be raised with the higher authority. Hence  all Members are requested to provide details in the following link so as to consolidate the same for further course of action and taking the matter with higher authority with complete data.

Circle Secretary

DOP Order : i.Grant double TA to Deaf and Dump ii.Permission to travel by private airlines in c/w donation of organs iii.Applicability of SR147 in Special cases - Clarifications

DoP order on (i) Grant of Transport allowance at double rate to Deaf and Dumb Employees of Central Government ( ii). Permission to travel by private airlines in respect of journey performed for donation/transplantation of organs by Government servant and (iii) Applicability of provision below SR-147 to the families of deceased Govt. servant in special circumstances

Features of Post Office Senior Citizens Savings Scheme (SCSS)

Senior Citizens Savings Scheme (SCSS)

Post Office Senior Citizens Savings Scheme has been notified with effect from August 2, 2004. The Scheme offers a new avenue of investment and return for Senior Citizen. The investment under this scheme qualify for the benefit of Section 80C of the Income Tax Act, 1961 from 1.4.2007.

Salient features of POSCS (Post Office Senior Citizens Savings) Scheme


  • Any citizen, 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 a Voluntary Retirement Scheme or a Special Voluntary Retirement Scheme on the date of opening of the account within one month from the date of retirement.
  • No age limit for the retired personnel of Defence services provided they fulfill other specified conditions.
  • A depositor may open the account in his individual capacity or jointly with spouse.
  • The accounts may be opened singly or jointly with spouse.
  • More than one account can be opened provided the total amount deposit does not exceed the prescribed limit.
  • Eligible applicants can open account by submitting application on Form A.
  • Non-residents and HUFs are ineligible to open the account under the scheme.
  • In case of cheque, the date of realiz​​ation of cheque in Govt. account shall be date of opening of account.

Minimum amount

Rs. 1,000/-

Maximum amount

Rs. 15,00,000/- (Rs. fifteen lakhs). In case of retiring employees the amount cannot exceed the amount of retirement benefits.

Maturity period

Five years

The depositor may extend the account for a further period of 3 years by submitting application on Form B

Nomination facility

A depositor may change nomination by submitting application on Form C.


Interest Rate
Upto 31.03.2012
9.00% per annum
01.04.2012 to 31.03.2013
9.30% per annum
01.04.2013 to 31.03.2014
9.20% per annum
01.04.2015 to 31.03.2016
9.30% per annum
01.04.2016 to 30.09.2016
8.60% per annum
01.10.2016 onwards
8.50% per annum
Interest is payable quarterly on 31st March, 30th June, 30th September and 31st December.
If the interest payable every quarter is not claimed by a depositor, such interest do not earn additional interest.

Mode of payment of interest

  • In case of SCSS accounts, quarterly interest shall be payable on 1st working day of April, July, October and January. It will be applicable at all CBS Post Offices.

Premature withdrawal

In case the account is closed after expiry of one year but before expiry of two years from the date of opening of the account, an amount equal to 1.5% of the deposit shall be deducted and the balance paid to the depositor.
Premature closure is allowed after one year on deduction of 1.5% interest & after 2 years on deduction of 1% interest.
Application for premature closure of the account may be submitted on Form E.
No deduction shall be made in case of premature closure of an account at any time due to death of a depositor. Application for premature closure by spouse (Joint Holder)/nominee(s)/legal heirs of the account may be submitted on Form F.

Tax benefits

Investment under this scheme qualifies for the benefit of Section 80C of the Income Tax Act, 1961 from 1.4.2007.

Interest Taxability


  • Other features

  • The Account can be transferred from one post office to another

RBI Revised Withdrawal Limit from 24000 to 50000 per week from

The Reserve Bank of India (RBI) said on Wednesday it would remove the cash withdrawal limit from ATMs and savings accounts from March 13.

Cash withdrawal limit from savings bank accounts will be relaxed to Rs 50,000 from February 20 to March 13, after which it will be removed, RBI deputy governor R Gandhi said after the monetary policy meeting.

Several limits on cash withdrawals from banks and ATMs were imposed after the government’s surprise move to demonetise Rs 500 and Rs 1000 on November 8, 2016.

Earlier, on January 30, RBI had allowed withdrawal upto Rs 24,000 from savings accounts. This was preceded by the relaxation on January 16 when the limit was raised to Rs 10,000 per day from Rs 4,500.

The government has been saying the amount of currency in circulation would remain lower that what it was before November 8 even after remonetisation is completed, a move aimed at encouraging people to go cashless and adopt digital payment methods.

RICT Training Materials in Hindi version.

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Rationalisation of Labour Laws

Press Information Bureau
Government of India
Ministry of Labour & Employment
06-February-2017 16:40 IST
Rationalisation of Labour Laws 
Reforms in labour laws are an ongoing process to update legislative system to address the need of the hour and to make them more effective and contemporary to the emerging economic and industrial scenario. The Second National Commission on Labour which submitted its Report in 2002 had recommended that the existing Labour Laws should be broadly grouped into four or five Labour Codes on functional basis.  Accordingly, the Ministry has taken steps for drafting four Labour Codes on Wages; Industrial Relations; Social Security & Welfare and Safety and Working Conditions, by simplifying, amalgamating and rationalizing the relevant provisions of the existing Central Labour Laws. These initiatives will reduce the complexity in compliance due to multiplicity of labour laws and facilitate setting up of enterprises and thus creating the environment for development of business and industry in the country and generating employment opportunities without diluting basic aspects of safety, security and health of workers.

        Conventions of International Labour Organization (ILO), on ratification create legally binding obligation for ratifying country. Ratification of a convention is a voluntary process. India ratifies a convention only when our national laws and practices are in full conformity with the Convention.  So far, India has ratified 45 Conventions and 1 Protocol.

This information was given by Shri Bandaru Dattatreya, the Minister of State (IC) for Labour and Employment, in written reply to a question in Lok Sabha today.

Privatization of Higher Education

Press Information Bureau
Government of India
Ministry of Human Resource Development
06-February-2017 16:47 IST
Privatization of Higher Education 
There has been an upsurge in the demand for higher education after independence, resulting in a substantial expansion in the number of universities and colleges in the country. India has the second largest higher education system in the world. As per UGC Annual Report 2014-15, as on 31.03.2015, the number of Universities had gone up to 711 (46 Central, 329 State, 205 State Private, 128 Deemed to be Universities, three Institutions established under State Legislation) and 40760 colleges in the Higher Education sector. The Indian higher education has already entered a stage of massification and the Gross Enrolment Ratio in higher education in 2015-16 is 24.5 percent, which is 3.45 crore in absolute numbers. The current target is to increase Gross Enrolment Ratio to 25.2 percent in 2017-18 and further to 30 percent in 2020-21.

The extant National Policy on Education (NPE) provides for a National System of Education which implies that, up to a given level, all students, irrespective of caste, creed, location or sex, have access to education of a comparable quality. The Government is committed to provide equitable access to quality education to all, by enhancing access to public funded education across all levels ranging from elementary to higher education.

This information was given by the Minister of State (HRD), Dr. Mahendra Nath Pandey today in a written reply to a Lok Sabha question.

Central Government Employees expect 2% DA for January 2017

New Delhi: Central government employees expect a 2 percent dearness allowance in the salary from January 2017.

As per a blog of central government employees, "In case All India Consumer Price Index(AICPIN) is less than 277 for Nov and Dec 2016, then Dearness Allowance from January 2017 will be 2 percent. The employees feel that due to the impact of demonetisation, AICPIN Value may be volatile in the coming months.

The AICPIN for December 2016 was released by the Labour Department on January 31 at 275.

Though this is not the final figure because the Union are protesting against the DA %, added the blog.

The move is likely to bring relief to around 50 lakh employees working with the central government as well as 58 lakh more pensioners.

Provision of dearness allowance and dearness relief is made to the employees and pensioners so as to neutralise the effect of price rise on their salary and saving. 

Source :

Haryana State Level Philately Exhibition (HARPEX-2017) Award Ceremony

State Level Philately Exhibition (HARPEX-2017) organized by the Haryana Postal Circle at S. D. College (Lahore) Ambala Cantt was declared to be closed by on 06.02.2017 by Shri Anil Vij Hon’ble Health and Sports Minister, Haryana, .

A special cover on “Tikartal : Morni Hills” was released by the Hon’ble Minister.

Hon’ble Minister Shri Anil Vij seen Philately Exhibition and was very impressed to see the journey of culture and history of various countries displayed through stamps exhibited.

Honble Minister has also awarded to the winners of the Philately Exhibition and other promotional competitions.

A large number of students of many schools and colleges visited during all the four days of this exhibition. Stamps under My Stamp scheme have been issued to 1425 People. Philately Stamps for Rs. 82000/- have been sold through the counter installed by the Department. Famous philatelists have opened 05 counters to enable the visitors to purchase the Postal Stamps and other collections. Hustle & bustle was in the exhibition during all days of the Exhibition.

User Guide on Core Banking Solution - DOP Finacle

Click below link to download CBS User Guide

LDC Examination for promotion to the cadre of P.S. Group'B' held on 18.12.2016 - Display of Provisional Keys of Question Papers- regarding

7th Pay Commission: Centre to hike allowances of Central Govt employees from April 1, says NJCA convenor

New Delhi, February 2: A day after Budget 2017 was tabled in the Parliament by Finance Minister Arun Jaitley, the Central Government employees were upset as the Union Minister nowhere mentioned any increase in the hike of allowances in the 7th Pay Commission. But the members of National Joint Action Committee (NJCA) are an optimist about the implementation of 7CPC and believe that the government will come up with some positive news on April 1. The NJCA also believe that the Union Government will be implementing the 7CPC latest by April 1, after the end of financial year.

On Wednesday, the central government employees were gripped with pessimism after Arun Jaitley made no reference to the anomalies related to 7CPC in his Budget speech. “All of us were eagerly waiting for Finance Minister to make some announcement on minimum wages. But after Mr Jaitley’s speech ended without mentioning a single word about the increase in the minimum wage, most of us were upset,” Shiv Gopal Mishra, NJCA chief said to

He further added, “The government may implement the 7CPC by April 1 and their demand to increase the minimum wage will also be implemented. If the government fails to increase minimum wages from Rs 18,000 to Rs 25,000 then we will launch a massive protest against the government”.

The NJCA has been actively involved with the Centre where they are seeking a revision of minimum salary from Rs 18,000 to Rs 26,000. The NJCA members and its conveyor had also met Home Minister Rajnath Singh, Finance Minister Arun Jaitley, Railway Minister Suresh Prabhu, a day after the implementation of 7CPC and had kept their demands in front of senior leaders.

Shiv Gopal Mishra is quite optimist about the hike in allowances of government employees but he is not sure that their demands of raising the minimum wage would be fulfilled by the government.

On Wednesday, most of the senior central government employees were eagerly waiting for the Budget speech as most of them expected the Finance Minister to speak on the 7CPC.

On July 1, 2016, the 7th Pay Commission was approved by the Union Cabinet. The date of implementation was fixed by the high-powered committee as for January 1, 2016. From the month of July, the central government employees were provided with the hiked salaries, along with the arrears of six months. But the hike was only related to the basic component of their pay. The increase in allowances was upheld, due to the anomalies raised by employees unions.

The implementation of 7th Pay Commission will directly benefit around 47 lakh central government employees, along with 53 lakh pensioners. In the 7th Pay Commission, the minimum wage has been revised from Rs 7,000 to Rs 18,000. While the maximum salary has been capped at Rs 2.5 lakh.

Source :