SB Order No.

01 /2022

F. No. FS-09/1/2021-FS-DOP
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi-110001

Dated: 13.01.2022
To,

All Head of Circles/Regions

Subject: Steps to be taken for smooth functioning of POSB operations and

prevention of frauds in post offices.

Sir/Madam,

POSB related fraud cases have been noticed recently. Vigilance Division
has desired to provide extra checks in the system to minimize/eliminate chances
of misappropriation/frauds, particularly in respect of transactions carried out in
single handed and double handed post offices.

2. It is reiterated that the linking of mobile number of account holder was

made MANDATORY vide SB Order No. 17/2017 dated 23.10.2017 for opening
of any new account. Steps to be taken for linking of mobile number in all existing
account were also prescribed.

Circle should take necessary steps for linking of mobile number/PAN of

all active accounts. For the purpose, a special drive should be launched and wide
publicity may be made through print/electronic media/pamphlets, handbills etc.
for the account holders to get their mobile numbers linked/seeded with their
respective accounts.

3. Also, it is prescribed in Rule 6(b) of Government Savings Promotion

General Rules 2018 that , “if an individual does not submit the Permanent
Account Number at the time of opening an account, he shall submit the same to
the Accounts Office within a period of six months from the date of the opening of
the account and if a depositor who has already opened an account prior to the
date of this notification and has not already submitted his Permanent Account

Page 1 of 5
Number to the Accounts Office, he shall do so within a period of six months from
the date of this notification and in the event of the failure of the depositor to
submit the Permanent Account Number within the specified period of six months,
his account shall cease to be operational till the time he submits the Permanent
Account Number to the Accounts Office”.

4. Many steps have already been taken to provide better facilities/services

and reduce chances of any misappropriation/frauds i.e. GL Integration, Common
long book, SMS alerts, eBanking/mBanking, IVR facility, CBS-CTS integration.

5. In order to secure of hard-earned money of the depositors, better control,

smooth POSB operations, prevention of money laundering activities and as a
preventive measure to curb fraud, the competent authority has decided to issue
the following guidelines with immediate effect:

(A) Linking of mobile number/PAN for financial transaction carried

out in all post offices.

(i) Henceforth, if any transaction (Deposit/Withdrawal/Loan

Disbursement/Loan Repayment/Closure of account (either premature or on
maturity)) carried out in any CBS post office;

a) Rs. 20,000 and above, mobile number must be checked and if

necessary, updated before initiating the transaction.

b) Rs. 50,000 and above, PAN must be checked and if necessary,

updated before initiating the transaction.

(ii) For the purpose, before initiating any transaction of Rs. 20,000
and above, counter PA shall invoke menu CICD and check, whether mobile
number/PAN are updated in respective account or not.

(iii) If mobile number/PAN are not updated/available in account, in

which transaction is to be done, mobile number and PAN should be obtained by
the counter PA on the voucher (i.e., SB-103/SB-7/7A/7B/7C) from the account
holder/authorized person.
Note: - 1. If the account is not KYC compliant, the KYC document shall also be
obtained from the account holder/guardian as prescribed in the rules.
2. If account holder does not have PAN number, Form 60/61 prescribed under
Income Tax Act may be obtained.

(iv) Thereafter, counter PA shall ensure to update mobile number

and PAN in the CIF of the customer by invoking CMRC menu and the same
should be verified by the supervisor without fail.
Page 2 of 5
 (v) In case, mobile number of a depositor is required to be changed, a
separate written application may be obtained from such depositor. On verification
of signature of the depositor, the mobile number shall be updated by invoking
CMRC menu by the counter PA and verified by the supervisor. This application
should be attached with the Account Opening Form (AOF) and KYC document
of the respective account.

(vi) After updation of mobile number and PAN in Finacle for respective
account, the transaction should be performed as per prescribed procedure.

(vii) Non-CBS post offices shall also obtain mobile number for
transaction above Rs. 20,000 and PAN number for transaction above Rs. 50,000
and the same shall also be written on voucher by the account holder.

Note: - At any time during visit/inspection, data analysing, public complaints etc,
if it is noticed that incorrect/wrong mobile number/PAN was updated or
mobile number/PAN was not updated by the counter PA/Supervisor
concerned as prescribed above, stern action should be taken against the
erring official by the disciplinary authority concerned.

(B). Collection of passbooks at the time of closure/premature closure

of any TDA type accounts (RD/TD/MIS/SCSS/KVP & NSC) in single and
double handed post offices.

(i) At the time of closure/premature closure of any TDA type of accounts

(RD/TD/MIS/SCSS/KVP and NSC), all single and double handed post offices
(including BOs) shall collect closed passbook from the account holders. The
closure entry is to be noted after last transaction in the passbook by the post office
concerned with date stamp.

(ii) After verification of closure of account in Finacle, supervisor shall

generate and print “account closure report” by invoking HPR menu and
handover to account holder as acknowledgement. If any depositor demand
account statement it may also be provided in lieu of passbook without any
charges.

(iii) After closure of account, passbooks of closed TDA category

accounts shall be attached with the Account Closure Form and send in a manner
as prescribed for dispatch of vouchers and Long Book Consolidation Journal.

(iv) The number of closed passbooks attached should be mentioned in

the 'Long Book Consolidation Report-BRN (Today)” or consolidation journal by
the postmaster concerned.
Page 3 of 5
 (v) In SBCO, designated SBCO PA shall also tally the account number
and amount in the closed passbooks received with the closure voucher concerned
from the single handed and double handed post office and will write “Received
all closed passbooks for TDA type of accounts” on Long Book consolidation
report-BRN received with voucher bundle

(vi) In case any discrepancy is noticed, In-charge, SBCO shall report the
matter to the Divisional Head/Gazetted Postmaster concerned.

(C) Role of CEPT, Chennai.

(i) CEPT, Chennai will generate the following reports Circle-wise on

weekly basis.

a) CIF merger report.

b) CIF modification report where name of account holder and mobile

number changed.

c) SMS failure report i.e., invalid mobile number.

d) Transaction done during the week with Rs. 20,000 and more but
mobile number not updated, likewise transaction done during the week with
Rs.50,000 and more but PAN not updated.

(ii) CEPT, Chennai will share above weekly reports to CPC (CBS) of the
Circles.

(D) Role of CPC (CBS)

(i) After receipt of above reports/link from CEPT, In-charge, CPC (CBS)
shall bifurcate above reports Division wise for their Circle.

(ii) In-charge, CPC (CBS) will share above reports to respective Divisional
head through official email id.

(E) Role of Divisional Office

(i) Divisional Head will provide list of single and double handed post
offices under a HO to SBCO concerned.

(ii) Prompt action should be taken as and when any report is received from
Postmaster or Incharge, SBCO.

(iii) At divisional level, after receipt of reports as specified in para (C) (i)
above, these reports should be examined.

Page 4 of 5
 (iv) In case of any discrepancy, suspicious activity noticed after examining
above reports, necessary action should be taken immediately to avoid any chances
of misappropriation/fraud.

6. It is requested to circulate it to all concerned for information, guidance

and necessary action. Same may also be placed on the notice board of all Post
Offices in public area.

7. This is issued with the approval of the Director General Postal

Services.

Yours Sincerely

(Devendra Sharma)
Assistant Director (SB-II)
Copy to: -

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/
Member (P)/ Member (Planning & HRD)/ Member (PLI)/ Member
(Tech)/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI
Directorate
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director
General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civil), Postal Directorate
12. All Sections of Postal Directorate
13. All recognized Federations / Unions/ Associations
14. GM, CEPT for uploading the order on the India Post website.
15. MOF(DEA), NS-II, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-
110002
17. Guard File

Page 5 of 5
 SB Order No.O2l2O22

F.No. 25'09/20r2-FS-CBS-Part (1)

Govt. of India
Ministry of Communications
Department of Posts
(F.S. Divisiod
Dak Bhawan, New Delhi - 110001
Dated : 25.0t.2022
To
All Head of Circles / Regione

Subject: Iutroduction of online PAN verification functionality in Finacle CBS

System - Reg.

Sir / Madam,

At present, in Finacle CBS System, the PAN Card of the Depositors are
updated as part of KYC compliance. The PAN Card entered in the system is
validated only based on the standard PAN format i.e. 10 ALPHA Numeric
Characters. But the correctness of the PAN card numbers provided by the
Depositors or the PAN entered by the Post Offrce offrcials are not validated with
NSDL currently.

2. During the f,ling of TDS returns, many of the PAN numbers are not
accepted in Income Tax statements due to invalid / wrong PAN, which leads to
complaints from Depositors regarding non availability ofTDS deducted details in
Form 26,4'5 of the Depositors. In order to settle these complaints, the DDOs are
required to file correction TDS statements which unnecessarily put the DDOs
and Depositors in trouble.

3. Further, as per Rule 6 of Govt. Savings Promotion General Rules 2018

(GSPR 2018), w.e.f.. L8.L2.2019, for opening of any account in Post Of6ce,
submission of either PAN Number or Form - 60 is mandatory and if Form - 60 is
submitted by the customer, PAN Number is to be submitted by the Depositor
without fail, within next six months. If a depositor who has already opened an
account prior to the date of notification (GSPR 2018) and has not already
submitted his Permanent Account Number, the depositor shall do so within a
period of six months from the date of notification (GSPR 2018) and in the event
of the failure of the depositor to submit the Permanent Account Number within
the specified period of six months, his account shall cease to be operational till
the time the depositor submits the PAN Number.

4. Hence, it has been decided to restrict the account opening without

entering either PAN or Form - 60 details and validate the correctness of the
PAN number entered by availing the facility of online verification of PAN
Numbers being provided by NSDL. Accordingly Finacle CBS System is
integrated with NSDL System.
2...
 t2t

5. in CBS Finacle System to validate the PAN

Patches have been deployed
entered at the time of creation and modification of CIFs of the Customers /
Depositors and when any cash transaction exceeding Rs. 50,000/- is carried out.

6. A detailed Standard Operating Procedure for online validation of PAN is

attached herewith.

7. Checking and validation of the PAN by the Post Offrce officials has to be
done with care to avoid mistakes: Details of the PO users validating the PAN are
captured in audit trials.

8. Circles are requested to take necessary action in this regard and this order
may be circulated to all the Post Offices.

9. This is issued with the approval of DDG (FS).

Encl:As above
I >L-
Asst. Director General (FS'II)
Copv to:-

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
(Banking)/Ivlember (O)/lVlember (p)l
3. PPS/ PS to Addl. DG (Co'ordinatiod/I\ttember
Member (Planning & HRD)A{ember (Pl,t)nUember (TecD/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate I Parcel Directorate I PLI Directorate
6. Sr. Deputy Director General $ig) 8, CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Clvil), Postal Directorate
12. All recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEII), NS'II Section, North Block, New Delhi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002
15. GM, CEPT, Mysuru ' for uploading the order on the India Post website.
16. Guard File
 Standard Operating Procedure for online PAN Validation

Introduction

At present, in Finacle CBS System, the PAN Card numbers of the Depositors are
updated as part of KYC compliance. The PAN card number entered in the system is
validated only based on the standard PAN format i.e. 10 ALPHA Numeric Characters.
But the correctness of the PAN card numbers provided by the Depositors or the PAN
entered by the Post Office officials are not validated with NSDL currently.

During the submission of TDS, many of the PAN numbers are not accepted in
Income Tax statements due to invalid / wrong PAN numbers, which leads to complaints
from Depositors regarding non availability of TDS deducted in Form 26AS of the
Depositors. In order to settle these complaints, the DDOs are required to file correction
TDS statements which unnecessarily put the DDOs and Depositors in trouble.

Hence, it has been decided to validate the correctness of the PAN number
entered at the time of creation and modification of CIFs of the Customers / Depositors
and at time of any cash transaction exceeding Rs. 50,000/-. Accordingly, the Finacle
System and NSDL System has been integrated for availing facility of online verification
of PAN numbers.

Patches have been deployed in CBS Finacle System

(i). To validate a PAN captured during CIF Creation and CIF modification.
(ii). To restrict creation and modification of CIF without validation of PAN.
(iii). To restrict opening / modification of account and performing cash
transactions exceeding Rs. 50,000/- without validation of PAN.
(iii). To view the PAN Verification Status at Post Office Counters / e-Banking
and Mobile Banking Apps
(iv). To generate reports related to PAN Verification

1. Procedure for validation of PAN in Finacle Core System

As per Rule 6 of Govt. Savings Promotion General Rules 2018 (GSPR 2018), w.e.f.
18.12.2019, for opening of any account in Post Office, either PAN Number or Form – 60
is mandatory and if Form – 60 is submitted by the customer, PAN Number is to be
submitted by the Depositor without fail, within next six months. If a depositor who has
already opened an account prior to the date of notification i.e. GSPR 2018 and has not
already submitted his Permanent Account Number, the depositor shall do so within a
period of six months from the date of notification (GSPR 2018) and in the event of the
failure of the depositor to submit the Permanent Account Number within the specified
period of six months, his account shall cease to be operational till the time the depositor
submits the PAN Number.

SOP for ePAN (SB Order No. 02/2022) Page 1 of 8

(A). At the time of Creation of New CIF (Customer Information File)

i. The Counter PA shall ask the Customer to submit either PAN Card detail or the
Form – 60.

ii. The Counter PA shall create the CIF using CCRC menu in Finacle. On the CIF
Creation screen, after entering name of the Customer, the Counter PA should
select the Tax status as “PAN Card Available”, if the Customer provided PAN
Details.

iii. Immediately after selecting the Tax status, an alert message prompting the
Counter PA to capture the PAN card will be thrown by the System as follows.

iv. The Counter PA shall accept the alert message and enter the PAN number in the
desired field viz. “PAN Card No”. As soon as the PAN Number is entered, the
Counter PA will be prompted by the System to authenticate the captured PAN
Number as follows.

v. The Counter PA should accept the alert message by clicking OK and then he/she
should Click on “Validate” Button. The Finacle system will connect with NSDL
system. After Validation at NSDL, Finacle System will show the details of PAN
status from NSDL, Name, Name on Card and Aadhar Seeding Status with PAN.
The Finacle system will display the PAN status as E-EXISTING AND VALID or

SOP for ePAN (SB Order No. 02/2022) Page 2 of 8

 INVALID based on response from NSDL and if the PAN is Existing and Valid,
the screen will appear as follows.

vi. The Counter PA should verify the name of the customer entered in Finacle
System with the name details displayed from NSDL system.

Note: Finacle system will not match the name in the Finacle System with the
name displayed from the NSDL System. Hence, it is the responsibility of the Post
Office Counter Officials to verify both the names to ensure genuineness of the
PAN submitted by the Customer. There may be difference in the order of the first
name, middle name and last name between the name captured in the PAN from
NSDL and those details in the CIF. PO Counter officials shall verify upon the
correctness of the same.

vii. PAN number entered in the PAN Card No. field which has been validated from
NSDL will be auto populated in the document details, if the selected document
code is PANCD. Hence, the Counter PA shall not be required to enter the PAN
number once again in the document details.

viii. If the entered PAN number is already linked to any other CIF, the System will
not allow to enter the same PAN number during CIF creation and a message
“PAN is already linked with CIF ID xxxxxxxxxx” will be displayed as follows. In
such cases the PAN Number already available in the other CIF should be
validated and if there is any difference in the name of the depositor with the one
displayed on PAN validation, the wrong PAN Number shall be removed and it
should be intimated to the CPC through email by the Postmaster, for further
action to enter the correct PAN in the CIF.

SOP for ePAN (SB Order No. 02/2022) Page 3 of 8

ix If the PAN Number entered by the Counter PA is invalid, the following result
screen will be displayed.

Note: If the customer submits the forged document, it shall be reported under
Suspected Transaction Report (STR) by the Post Office concerned as prescribed
under AML/CFT norms.

x. The Counter PA will not be able to proceed further with CIF creation if the PAN
CARD status is INVALID.

xi. If the PAN status is Existing and Valid, the Counter PA shall enter the
remaining information required for creation of CIF in CCRC menu and create the
CIF as it is being done already.

Note-1: If PAN Card details are entered, CIF will be created only when the PAN
status is “E-Existing and Valid”.
Note-2: To create a CIF, either capturing and validating PAN as prescribed above
or selecting Form 60 option is mandatory. New CIF cannot be created either without
Form 60 or VALIDATED PAN.
Note-3: If Name of the PAN holder differs, then PO user needs to cancel CIF
creation in CCRC / modification in CMRC and confirm the PAN details with the
customer once again before proceeding with CIF creation / modification.

SOP for ePAN (SB Order No. 02/2022) Page 4 of 8

xii. Whenever a CIF for Minor Account Holder is created, validation of PAN number
in the Guardian’s CIF is mandatory. Hence, before creation of minor’s CIF, the Counter
PA shall validate the PAN number in the Guardian’s CIF through CIF modification
process using CMRC menu in Finacle.

(B). At the time of Modification of CIF

i). In order to ensure validity of all the existing PANs already linked with CIFs and
to ensure compliance of Rule 6 of GSPR 2018, any modification in the CIF will be
allowed only when the PAN linked with CIF is validated successfully with NSDL.

ii). The procedure at para (A) above prescribed for validation of PAN at the time of
creation of CIF shall be applicable, for CIF modification activity also

(C). At the time of Account Opening or Account Modification

i). Whenever any new account is opened or modification is done in any existing
account, the system will check whether the validated PAN or Form – 60 is available in
the CIF of the Customer. If the PAN linked at CIF level is not validated, the Counter PA
will be prompted to validate the PAN or select Form 60 at CIF level, to proceed further.
Finacle System will restrict the Counter PA to open or modify the account, till the PAN
linked with CIF concerned is validated successfully.

ii). For validation of PAN, the Counter PA shall perform the CIF modification
process using CMRC menu in Finacle.

iii). If the Form – 60 is available in the CIF, an alert message as shown below will be
thrown prompting the Counter PA to inform the Customer. The Counter should inform
the Customer about the provisions of Rule 6 of GSPR 2018.

iv). In case of Joint Accounts, System will check the PAN validity status of the First
Joint Holder’s CIF. But the Counter PA should ensure that the PANs in all the Joint
Account Holders are validated.

SOP for ePAN (SB Order No. 02/2022) Page 5 of 8

v). In case of Accounts opened on behalf of Minor or Person of unsound mind, the
Counter PA should ensure that the PAN of the Guardian is validated and if the account
is operated by minor himself, PAN of the minor should be validated.

(D). At the time of Cash Transactions

i). Whenever any Cash Transaction exceeding Rs. 50,000/- in an account is initiated
using the menus viz. CTM, CPDTM, CRDP, HPAYOFF and HLAUPAY, if the PAN is
available in the Finacle System, System will check whether the PAN of the account
holder is validated. If the PAN is not validated, any cash transaction exceeding Rs.
50,000/- will not be allowed and the System will prompt the Counter PA to authenticate
the PAN at CIF level, to proceed further.

ii). The Counter PA should validate the PAN of the Account Holder through CIF
modification process using CMRC menu.

iii). In case of Form 60 is available in the system, System will allow to perform cash
transaction exceeding Rs. 50,000/- after displaying an alert message as shown below.

2. Inquiry of PAN Validation Status

a). The Post Office officials can inquire the validation status of the PAN linked with
a CIF using the Mobile Number or Aadhaar Number of the Customer using CCIFINQ
menu in Finacle. The details will be displayed as below.

3. PAN Validation Status in eBanking

DOP e-Banking users can view the status of the PAN linked with their CIF. In
EB Application, a link “View Your PAN Status in DOP” under “My Profile” Tab is

SOP for ePAN (SB Order No. 02/2022) Page 6 of 8

provided for the Customers to check the validation status of their PAN. If the PAN is
not validated, such customer will be prompted to get the PAN validated by visiting the
home branch as below.

4. PAN Validation Status in M-Banking

DOP M-Banking users can view the status of the PAN linked with their CIF. In
MB Application, a link “View Your PAN Status in DOP” under Home Screen is provided
for the Customers to check the validation status of their PAN. If the PAN is not
validated, such customer will be prompted to get the PAN validated by visiting the home
branch as below.

SOP for ePAN (SB Order No. 02/2022) Page 7 of 8

5. Reports Available for ePAN Validation

a). Two types of reports viz EPAN Detailed report and EPAN Summary Report will
be available in Finacle Core System. These reports can be generated by the Post Offices.

b). EPAN Detailed Report can be generated SOL ID Wise for any given date. This
report shows the details of the PAN numbers validated on a given date. The status of
Aadhar Seeding with the PAN is also included in this report. The report will be in the
following format.

c). EPAN Summary Report can be generated SOL ID / SET ID wise for a period.
This report will show the total number of PANs validated during the said period and the
report format will be as follows.

************************************

SOP for ePAN (SB Order No. 02/2022) Page 8 of 8

 SB Order No. 03 I 2022

File No. 116'17/2017'S8

Govt. of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi - 110001
Dated : t9.02.2022
To
AII Head of Circles / Regions

Subject: Circulation of POSB (CBS) Manual (Corrected up to 31.12.202D - Reg.

a
***
Sir / Madam,

POSB (CBS) Manual for operation of POSB Schemes in Core Banking Solution
(CBS) platform was circulated vide issued vide SB Order No. 09/2018 datd 17.07.2018.
Statutory rules relating to POSB viz. National Savings Schemes were amended by
Ministry of Finance in the year 2018 & 2019. Operation of all National Savings Schemes
was extended to the Branch Post Offices in the year 2020 and various SB orders have
been issued by the Department related to POSB operation. The POSB (CBS) Manual
has accordingly been revised by the FS Division of Postal Directorate and the same is
approved by Director General (Postal Services). This manual is released as POSB (CBS)
Manual (Corrected up to 31.12.202D.

2. Some of the amendments incorporated in this version of Manual are listed below
for reference.

a Contents of SB Orders issued after release of POSB (CBS) Manual, 2018, are
incorporated.
a In respect of Deposits and Withdrawals from the accounts standing in RICT CBS
BOs, from any CBS Post Office, sending of intimation of transactions happened in
BO Accounts to the BOs concerned for updation in BO Journal has been
discontinued.
a Deposit in Savings Account through SB Money Orders from Field Post Offices has
been deleted.
a Closure of Accounts standing in BO through Cash payment is prescribed to be done
only at Account Office.
n New provision for issue of certificate of payment / certificate of credit has been
included to settle the discrepancies in the voucher due to the omission in voucher on
the part of the post office.
a In case of memo of admission of payment, if the signature of the depositor or his
agent, as the case may be, cannot be obtained, the case should be reported to the
Head of the Circle for order and it was clarified that up to Rs. 500/', Gazetted
Postmaster or the Divisional Head may pass the orders personally. This has been
modified that the case should be reported to Gazetted Postmaster or Divisional Head
as the case may be, for passing final orders after necessary inquiries.

2.
(
 t2t
. In case of Change of Name of Depositor, submission of Gazette Notifi.cation has been
added and new procedure for change of name of the minor depositor has been
appended.
. Furnishing of report by Head of Circle to Directorate regarding verification of
balances of accounts standing at branch offrces the passbook of which are not
received for interest posting has been deleted.
. Submission of quarterly report to FS Division of Directorate by the HoC on
verification of withdrawals of Rs. 10,000/' and above in Savings accounts at branch
offices has been deleted.
. Procedure of verification of balances of TD Accounts and other types of accounts has
been modifred. Sending of list of S8'46 notices issued by the Inspecting Authorities
for verification by Account Office has been discontinued and proposed to be verified
by the Inspecting Authorities themselves.
. Procedure for transfer of SCSS Account from PO to Bank and vice versa has been
added.
. In all cases of the transfer of account from PO to Bank, the depositor should be
requested to submit the account transfer application at the Bank only, as some of the
bank branches may not operate National Savings Schemes.
. Procedure for Issue of Passbook / Closure of Account for the accounts (RD & TD)
opened in e'Banking and M'Banking has been included.
. Contents of SAS/IVIPKBY Agency System are modified. Rules relating to Change of
MPKBY Agent are appended.
. Procedure for ascertaining the solvency of sureties in case of deceased claim
settlement procedure has been added.
. Provision for issue of reconciliation certificate in case of difference in the name of
nominee has been included.
. In respect of payment of claim in settlement of deceased claims chapter, interest
eligibility and payment options available to the claimants have been added.
o List of Countries under HAGUE APOSTILE CON\aENTION has been updated.
. Many clarifications which were already issued as well as fresh clarifications are
included as'Note' under various rules.
. In Appendix - I 0ryC / AML i CFT Norms), the documents to show as source of
receipt of funds tendered for investment are included.
. Facility of dispatch of cheque book to the depositor by post at the cost of Depositor on
request has been added.
. Following new chapters are added as Appendices
o TDS Submission
o RoIe of SBCO for CBS Post Offices
o Handling of Cases for Relaxation in Rules
o Interest Rates with effect from 01.04.1981
o Specimen of important forms and registers

3. Further, a table of concordance Iinking the procedural rules in the POSB (CBS)
Manual Version 2018 with the rules in the new version is appended, for easy reference.

3.
 l3/
4. The procedural rules in this version of Manual should be followed by all the CBS
Post Offi.ces and RICT - CBS Branch Post Offices.

5. Softcopy of the Manual is uploaded in India Post Website and the same can be
downloaded by all the Administrative and Operative Offices.

6. Circles should ensure that a soft copy of this version of manual is available in all
the systems in the post offices.

7. Circles are requested to take necessary action in this regard and this order may
be circulated to all the Post Offices.

8. This is issued with the approval of DDG (FS)

(t
Asst. (SB.D
Copv to:'

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPSi PS to AddI. DG (Co-ordination)/lVlember (Banking)ilttlember (O)Atlember (p)l
Member (Planning & HRD)/lVIember (PLI)/IVIember (TecD/AS & FA
4. Addl. Director General, APS, New De1hi
5. Chief General Manager, BD Directorate I Parcel Directorate I PLI Directorate
6. Sr. Deputy Director General (Vig) e, CVO) / Sr. Deputy Director General eAF)
7. Director, RAKNPA I CGM, CEPT / Directors of aII PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. A11 General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. A1l recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA), NS'II Section, North Block, New Delhi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002
15. GM, CEPT, Mysuru ' for uploading the order on the India Post website.
16. Guard File

v
 SB Order No. 04 /2022
F. No. FS-10/25/2021-FS-DOP
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi-110001

Dated: 02.03.2022
To,

All Head of Circles/Regions

Subject: Mandatory use of Savings Account (PO Savings Account or Bank

Account) for credit of monthly/quarterly/yearly interest in case of MIS/SCSS/TD
accounts.

Sir/Madam,

It has come to notice that some MIS/SCSS/TD accounts holders have not linked
their savings account (either PO Savings Account or Bank account) for credit of their
monthly/quarterly/yearly interest and Interest due in these MIS/SCSS/TD accounts are
left unpaid in sundry office account. Further, it has been observed that many TD account
holders are not aware of annual interest payment of TD Accounts. Also, many depositors
of MIS/SCSS/TD accounts are not aware that undrawn interest shall not earn any
interest.

2. MIS/SCSS/TD accounts holders will be able enjoy the following benefits by

linking savings account (either PO Savings Account or Bank account) for interest
payment.

a) Interest credited in savings account will earn additional interest, if interest is

not withdrawn directly from MIS/SCSS/TD Accounts.
b) Depositors can withdraw due interest without visiting the post office and utilise
the same through various electronic means.
c) Filling up of multiple withdrawal forms for each MIS/SCSS/TD account can
be avoided.
d) Depositors may avail facility of automatic credit of interest amount from
their MIS/SCSS/TD accounts through PO Savings Account to RD accounts.

3. In order to provide the above benefits to MIS/SCSS/TD accounts holders, to have

better control over POSB operations, promotion of digital transactions, prevention
of money laundering activities and as a preventive measure to avoid frauds, the
competent authority has decided for mandatory linking of either PO Savings
Account or Bank Account for crediting of interest payment of MIS/SCSS/TD
Accounts and to issue the following guidelines with immediate effect:

Page 1 of 3
a. CEPT, Chennai will provide a list of those active MIS/SCSS/TD accounts
not linked with savings account (either PO Savings Account or Bank
Account) to all the Circles and CPC (CBS).
b. Circles should organize special drive to link savings account (either PO
Savings Account or Bank Account) with MIS/SCSS/TD accounts for
interest payment either by issuing request letter or contacting those account
holders.
c. The account holders shall have the option of getting interest from
MIS/SCSS/TD accounts credited into his Post Office Savings Account or
Bank Account.
d. In case of Post Office Savings Account, the account holder shall submit
SB-83 Form (Application for availing facility of automatic transfer
(Standing Instruction) for linking of MIS/SCSS/TD accounts to his PO
Savings Account along with his MIS/SCSS/TD accounts passbook for such
an endorsement, and his Post Office Savings Account passbook to the post
office for the purpose of verifying authenticity. Thereafter, post office
concerned shall follow the procedure prescribed in rule 99(2) of POSB
CBS Manual. SB-83 form shall be attached with Account Opening Form
(SB-AOF). Necessary remarks should be made in the MIS/SCSS/TD
passbook on the last page of the passbook with signature and stamp.
e. In case of Bank Account, he shall submit ECS-1 Form (ECS Mandate
Form) along with a cancelled cheque or copy of first page of the passbook
of the Bank Account in which he desires to get the interest amount
credited along with his MIS/SCSS/TD account passbook for such an
endorsement at the post office concerned. Thereafter, post office concerned
shall follow the procedure prescribed in rule 99(3) of POSB CBS Manual.
SB-83 form shall be attached with Account Opening Form (SB-AOF).
Necessary remark should be made in the MIS/SCSS/TD passbook on the
last page of the passbook with signature and stamp.
f. IPPB shall devise a similar fool proof system to facilitate its customers
avail interest credit from MIS/SCSS/TD accounts into their IPPB Savings
Account, and inform the Department so that the same will be informed to
all concerned.
g. Interest on MIS/SCSS/TD accounts will be credited only in account
holder’s PO Savings Account or Bank Account with effect from
01.04.2022.
h. In case an account holder is not able to link his/her Savings Account with
MIS/SCSS/TD accounts up to 31.03.2022 and interest is credited in
MIS/SCSS/TD sundry office accounts, the outstanding interest should be
paid only through credit in PO Savings Account or by Cheque.
i. INTEREST PAYMENT IN CASH SHALL NOT BE ALLOWED
FROM MIS/SCSS/TD SUNDRY OFFICE ACCOUNT w.e.f.
01.04.2022.

Page 2 of 3
 j. Payment of MIS/SCSS/TD interest through sundry office accounts (SOL
ID+0129, 0130, 0131, 0132, 0335, 0337, 0338) will not be allowed from
other SOLs with immediate effect.
k. PA / Postmaster concerned shall ensure that no outstanding interest is
pending in MIS/SCSS/TD sundry office account for the account to be
transferred while effecting the transfer of any MIS/SCSS/TD accounts.
l. If any outstanding interest is pending in MIS/SCSS/TD sundry office
accounts, the outstanding interest should be paid to account holder either
through credit in PO Savings Account or through Cheque. Thereafter,
account transfer procedure should be initiated.

Note: The PO Savings Account or Bank Account, in which the interest payment is
desired by the depositor of MIS/SCSS/TD Accounts, can be either single account type of
the depositor(s) or joint account type in which the depositor(s) of MIS/SCSS/TD
Accounts should be one of the depositors or guardians in savings account.

4. It is requested to circulate it to all concerned for information, guidance and

necessary actions. It may also be placed on the notice board of all post offices in
public area.
5. This is issued with the approval of the Director General Postal Services.

Yours Faithfully

(Devendra Sharma)
Assistant Director (SB-II)
Copy to: -

1. Sr. PPS to Secretary (Posts)

2. PPS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (P)/
Member (Planning & HRD)/ Member (PLI)/ Member (Tech)/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General (Vigilance) & CVO / Sr. DDG (PAF)/All DDsG
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civil), Postal Directorate
12. All Sections of Postal Directorate
13. All recognized Federations / Unions/ Associations
14. GM, CEPT for uploading the order on the India Post website.
15. MOF(DEA), NS-II, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-
110002
17. Director, CEPT, Chennai for necessary configuration in Finacle accordingly.
Page 3 of 3
 SB Order No. 05/2022
F. No I 13-08/2017-SB(pt. t)
Government of India
Ministry of Communications
Department of Posts
(Fi na ncial Services Division)
Dak Bhawan, New Delhi -110001
Dated: 31.03_2022
To,
AII Head of CircleslRegions

subiect: Revision of interest rates for smal savings schemes w.e.f. or.o4.2o22

Sir,Madam,

The undersigned is directed to say that, vide memorandum No. 01/04/2019-NS

dated 31.03.2022 (copy enclosed), Government of India, Ministry of Finance,
Department of Economic Affairs (Budget Division) has informed that the rate of
interest
on vanous Small Savings Schemes (National Savings Schemes) for the firs t quarter
of
financial ve ar 2022-23 (starting from 1* April, 2022 and ending on 806 June, 2O22)
aLidl
t for (1"
January, 2022 to 31st March, 2O2D of Financial ye ar 202L-2022.

2. It is requested to circulate it to all concerned for information, guidance and

necessary action. same may also be placed on the notice board of all post offrces
in
public area.

3. This is issued with the approval of the Competent Authority.

Yours Faithfully

(o
2a22
S a)
Assistant Director (SB-II)
Copy to:

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (co-oralination)A.{ember (Banking)/ Member (o)/ Member (p)/
Member (Planning & HRD)/ Member (pLI)/ Member (tecDiaS C na
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / pLI Directorate
6. sr. Deputy Director General (vigilance) & cvo) / sr. Deputy Director General (pAF)
7. Director, RAKNPA / GM, CEPT / Directors of all pTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board./ All Deputy Di.rectors General
10. All General Managers (Finance) / Directors postal Accounts / DDAp
11. Chief Engineer (Civi]), Postal Directorate
12. A"ll Sections of Postal Directorate
13. All recognized Federations / Unions/ Associations
14. GM, CEPT for uploatling the order on the India post website.
f 5. MOF(DEd, NS-II, North Block, New Delhi.
16. Joint Director & HOD, ICCW Building,4 Deendayal Upadhyay Marg, New Delhi-110002
17. Guard File
 F.No.l i-ll2019-NS
Gol'cmment of India
Nlinistrl ol Finance
I )eoirflnlcnt ul' F
c()trontic Altatrs
( Budgct Dir ision )
Nortlr Block. New Delhi
Dated: 31 01 2022

t' r.'l(' I \l t- \l ()RA\ l) L\I

reg'
ratts for Small S'avings Schemes -
Suhject: Revision of inlcrest
Savings Schemes I or the
first quartcr of
'I on varl ous Small
ht rate of interest \l 202) and ending ou l0rl'-lune.
1022 shall
liom I April,
tinancial .".,ear 2022-23 starting tbunh quan er ( l" January.
2012
irom the current rale s applica ble tbr the
remain unchanged
r0 il" lvlarch.202f ) ofFY 2021-22 I
tF?,
thc colllpctcnt autl') ofl t) an\1'tt r)
1 Ihis has rl.rc approval ol e

t)eputv Di (NS)
'I'el. : ()l I -2309 3170

'[o

6 The Chief (ieneral Manager

I. l'he Finance Secretary O.ounaant ol'Govt & Bank Accounts
\tinistrl ol Finance Reserve Bank ol India
DeDartment of LxPenditrrre Clentral Office . Ir'lurrbai
Nunh tslock. New Delhi'
7. Reserve Bank of lndia
l. Ilre Secretarr (:entral Account Section
l)eoantncnt ()l lrconolnic'\llitlr:. Additional Otfi ce Section
N.rrth Block. Nerr Delhi 001'
uii'iijgr,l ct,trn Road' Nagpur -:140
8. Chiel Secretaries of State/U l'
3.
'lhc Secretar-v Govemmelrts
f)eDanmenl of Rel enue'
North Block. Ne* Delhi 9. The Joinr Direcror
.l-he National Salings Insritute
-1. Sccrelary- New Delhi
I)cDarln)elll ol Financial Sen
iecs
r.*-, on U..n Builtling' \es Dclhi

5. 'lhe Secreurl
[)cDarlment ol' Posts
Dat llhau an. Neu Delhi
 SB Order No. 06 / 2022

F.No. FS' 1413/2021'FS'DOP

Govt. oflndia
Ministry of Communications
Department of Poste
(F.S. Divieion)
Dak Bhawan, New Delhi - 110001
Dated : 01.04.2022
To
All Head of Circlee / Regione

Subject: Printing and Supply ofAAR Books, ASLAAS'5 Cards and POSB
Cheques by Department of Posts - Reg.

Sir / Madam,

At present, the following Savings Bank related forms / stationeries are

printed and supplied by National Savings Institute (NSD, New Delhi.

(il. Authorized Agents Receipt (AAR) Books - Cash and Cheque for SAS
agents.
(iil. ASLAAS'5 Cards for MPKBY agents.
(iiil. POSB CTS Cheque books for PO Savings Account holders.

2. In accordance with the orders in Department of Economic Affairs,

Ministry of Finance OM No. PNL2ISG)2021 dated 12.10.2021 and in OM No.
LLIA?O?L'BAdated.27.L2.2021, the task of printing and supply of the above said
items has been transferred from NSI to Department of Posts (DOP). Accordingly,
the above said three items will be printed and supplied by DOP from the
frnancial year 2022 - 2029 i.e. from 0L.04.2022.

3. A detailed Standard Operating Procedure in connection with the printing

and supply ofthe above said items by Department ofPosts is attached herewith.

4. Printing of AAR Books and ASLAAS-S cards will be carried out by the
PSDs identified and printing ofPOSB Cheque books will continue to be done by
India Security Press, Nashik. Sample copy of AAR book may be available with all
PSDs and a sample copy of ASLAAS'5 card is attached for reference and
printing.

2
 t2t

5. Circles / Regions are requested to take necessary actions in this regard and
this order may be circulated to all the offices.

6. This is issued with the approval of DDG (FS).

EncI: As above.

(T
Assistant GB.D

Copv to:'

1. Sr. PPS to Secretary (Poste)

2. PS to Director General Postal Services.

3. PPS/ PS to Addl. DG (Co-ordination)flVlember (Banking)[\{ember (O)/]Vlember (P)/
Member (Planning & HRD)/Member (PLI)[VIember (TecD/AS & FA
4. AddI. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General $ig) & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCg.
8. Director General P & T Gudit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. AII General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civil), Postal Directorate

12. All recognized Federations / Unions / Associations

13. The Under Secretary, MOF (DEA, NS'II Section, North Block, New Delhi.

14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002. It is requested to kindly instruct
all the Small Savings Officee across the country to adhere the procedure
preecribed for printing of ASLAAS-5 cardg.
f 5. GM, CEPT, Mysuru - for uploading the order on the India Post website.
16. The Manager (T'C) & Deputy Controller of Stamps, India Security Press, Nashik
Road - 422101.
17. Guard FiIe

(T.C
Assistant (SB.D
 Annexure to SB Order No. 06/2022

I. INTRODUCTION

Presently, the following Savings Bank related forms / stationeries are printed and
supplied by National Savings Institute (NSD, New Delhi.

(i). Authorized Agents Receipt (AAR) Books - Cash and Cheque for SAS agents.
(ii). ASLAAS-5 Cards for MPKBY agents.
(iii). POSB CTS Cheque books for PO Savings Account holders.

2. AAR Books are being used by the SAS Agents whenever any investment is accepted
from any depositor. These books are printed in four categories as follows.

(i). Rs. 1,000/- Denomination

(ii). Rs. 5,000/- Denomination
(iii). Rs. 10,000/- Denomination
(iv). For Crossed Cheques

3. AAR Books with Cash denominations are used by the SAS Agents when the
investment is made through Cash within limit prescribed by Ministry of Finance (Department
of Economics Affair) and that of without denomination is used for the investment through
Cheques. AAR Books are supplied to the Agents by the Post Offices.

4. ASLAAS-5 cards are used by MPKBY Agents for the purpose of investment by the
Depositors in Recurring Deposit Scheme. ASLAAS-S cards are supplied to the MPKBY
Agents by District Small Savings Offices of State Govemment concemed.

5. Printing of AAR Books and ASLAAS-5 cards is carried out by NSI, New Delhi
through local printing firms and Directorate of Printing. POSB CTS Cheque books are
printed by India Security Press (ISP), Nashik as irer the orders placed by NSI, New Delhi.

I GENERAL

ln with the orders in Department of Economic Affairs, Ministry of

accordance
Finance OM No. PNl2l5(6)2021 dated 12.10.2021 and in OM No. lIl4l202l-BA dated
27.12.2021, the task of printing and supply of the above said items has been transferred from
NSI to Department of Posts (DOP). Accordingly, the above said three items will be printed
-
and supplied by DOP from the financial year 2022 2023 i.e. from 01.04.2022. The
following procedure shall be followed by all the offrces concerned.

SOP for Printing & Supply Page I of 18

 Annexure to SB Order No. 06/2022

l. Printing and supply will be done twice in a Financial Year. All the indenting units /
offrces shall place the indents, Half yearly, for the requirement for the period from l't April to
30m September and for the period from ltt Oct to 31tt March. However, the first indent for the
requirements of AAR Books and ASLAAS-5 Cards can be placed by all the Head Post
Offices and District Savings Officers immediately.

2. AAR Books and ASLAAS-5 Cards will be printed locally by the Postal Stores Depots
(PSD) identified by the Circle listed in the Annexure - A, as per the requirement received
from Head Post Offices and District Small Savings Offrces respectively.

3. India Security Press (ISP), Nashik will continue to print the POSB CTS Cheque
books. PSD, Nashik will be the nodal PSD for placing indent for supply of POSB Cheque
books.

4. The indents from Divisional Offices and District Small Savings Offices should reach
the PSD concemed as follows.

sl. Item Indenting Units / First Half-yearly Second Half-yearly

No Offrces Indent should Indent should
reach on or before reach on or before
I AAR Books Divisional Office 15'n January l5'n July
2 POSB Cheque Divisional Office l" January l" July
books
., ASLAAS-S Cards District Small l5tn January 15tn July
Savings Offices

5. The printing, supply, indenting shall be done by the identified PSD in each Circle and
as such the PSDs identified are given in Annexure - A. If indent is not receivedfrom DSSO,
the concerned PSD should confirm the same from DSSO concerned.

6. Copies of the indents / print orders related to these items should be marked to the
Circle concemed for monitoring and Circles shall ensure that there is no shortage in the post
offices.

III.

l. The Directorate of Small Savings / District Small Savings Officers (DSSO) or the
Authorities prescribed by the Directorate of Small Savings in the State concerned shall place
the indents for supply of ASLAAS-S cards to the Superintendent, Postal Stores Depot (PSD)
concerned as per the list given in Annexure - B.

2. On receipt of the printed ASLAAS-5 cards from PSDs concemed, DSSOs will i'ssue
the cards to the MPKBY Agents under their jurisdiction.

SOP for Printing & Supply Page 2 of 18

 Annexure to SB Order No. 06/2022

Iv. ROLE OF SUB POST OFFICES/HEAD POST OFFICES

1. The Sub Post Offrces shall place the indent for requirements AAR Books and POSB
Cheque books to its Head Post Office (Account Office) during the month of December and
June every year, in the following format.

Indent for supplv of AAR Books and POSB Cheque books

Name of the Sub Post Office

Indent for the Half-Year From To

Sl. No. Item Stock on Hand Requirement for the

Half-Year
I AAR Book - Rs. 1,000/-
Denomination
2. AAR Book - Rs. 5,000/-
Denomination
3 AAR Book - Rs.
10,000/- Denomination
4 AAR Book - For
Crossed Cheques
5. POSB Cheque Books

Date

Sub Postmaster
To
The
HPO

2- All Head Post Offices shall forecast the requirement of Cheque Books and AAR
Books for the forthcoming half-year, by adding l0% with the quantity used in Post
offices/supplied in the last half-year. Accordingly, HOs shall send their requirements (indent)
including of their SOs in Half yearly indent to Divisional Office.

3. The Head Post Office shall place the consolidated indent for supply of AAR Books
and POSB Cheque Books in the following format. The Postmaster, Head Post Office shall
also ensure that the total requirement of cheque books is in multiples of 3. (Example: 210,
240,999,1500,3000 etc) and correctness of MICR code of Head Post Office, to be printed in
the Cheque books.

4. The indent shall be forwarded to the Divisional Office concerned by the Head
Postmaster.

SOP for Printing & Supply Page 3 of 18

 Annexure to SB Order No. 06/2022

Indent for suoolv of AAR Books and POSB Cheoue Books

Name of the Head Post Office

lndent for the Half-Year From To

sl. Item Stock on Hand Requirement for the Half-Year

No. In HO In SOs Total HO SO Total
I AAR Book - Rs.
1,000/- Denomination
2. AAR Book - Rs.
5,000/- Denomination
3. AAR Book - Rs.
10,000/- Denomination
4 AAR Book - For
Crossed Cheques
5 POSB Cheque Books
MICR Code
Total

Date:
Head Postmaster

To
The Sr. Superintendent / Superintendent
Division

V. ROLE OF DIVISIONAL OFFICE

l. The Divisional Office shall place the consolidated indent to PSD concemed, for
supply of AAR Books and POSB Cheque Books containing 10 leaves in the following
format. Divisional Office shall ensure that the total requirement of cheque books is in
multiples of 3 (Example: 210, 240, 999, 1500, 3000 etc) and correctness of MICR number of
Head Post Office'concerned, to be printed in the Cheque books.

Indent for sunplv of AAR Books

Name of the Division

Indent for the Half-Year From To

SOP for Printing & Supply Page 4 of 18

 Annexure to SB Order No. 06/2022

sl. Item Name of the HO Requirement Total Remarks

No. for the half Requirement
year for the (Item-wise)
HO
I AAR Book- Rs. HO
1,000/- Denomination HO
2. AAR Book- Rs. HO
5,000/- Denomination HO
J AAR Book - Rs. HO
10,000/- HO
Denomination
4. AAR Book - For HO
Crossed Cheques HO
Total

Date:
Senior Superintendent/ Superintendent
Division

To
The Superintendent
PSD

Indent for supplv of POSB Cheque Books containine 10 leaves

Name of the Division

Indent for the Half-Year From To

sl. Name of HPO 9 Digits 2 Digits Number of Requirement for the

No along with the MICR Transaction Cheque Half-Year
Designation of Code Code books on HO SO Total
Issuing Authority Hand

Total

Date
Senior Superintendent/ Superintendent
Division

To
The Superintendent
PSD

SOP for Printing & Supply Page 5 of 18

 Annexure to SB Order No. 06/2022

2. The indent should be signed by the Head of the Division and it shall be forwarded to
the Superintendent, PSD concemed, within the time limit prescribed in Para II (4).

VI

(D.

1. PSDs identified shall print AAR Books and ASLAAS-5 cards locally, following all
the procedures prescribed for procurement ofgoods and services and supply them to the Head
Post Offrces and Directorate of Small Savings / District Small Savings Oflicers concemed as
per the indents.

2. Specifications of AAR Books and ASLAAS-5 Cards are given in the Annexure - C
and Annexure -D. Each receipt in the AAR Books and each ASLAAS-S card shall have a
unique serial number which will be a combination of Prefix allotted to each Circle/PSD,
Alpha Serial and a numerical serial. While placing the orders for printing, PSDs shall ensure
that correct serial numbers are provided and printed in the receipts in AAR Books and
ASLAAS-5 cards.

3. PSDs shall ensure that printing and supply of the requirements of Divisions / Head
Post Oflices is completed before 3l't March and 306 September every year.

(ii).

l. All
the PSDs should have the information of MICR Codes of all the Head Post
Offices in the Circle. PSDs will send their half-yearly indents, well in adv.ance to PSD
Nashik before the start ofthe half year. The first half-yearly indent should reach PSD Nashik
by 31't January and 31't July every year. Before forwarding the indents to PSD, Nashik,
Superintendent, PSD should ensure that the MICR code details in the indents are correctly
written by the Head Post Oflices and thereby in the indents to be placed to ISP, Nashik.

2. PSDs shall submit the indents for POSB Cheque books in the following format.

Name of the PSD

Complete Address with Pincode _
Contact Details (Telephone / Mobile & Email ID)
Indent for the period from to

SOP for Printing & Supply Page 6 of l8

 Annexure to SB Order No. 06/2022

Name of HPO with Require- Require-

9-digit
Sl' designation of issuing 2 digits ment of ment of Total
MICR
No authority as are required Transaction cheque cheque require-
code
to be printed on MICR code books for books for ment
number
cheques HO only SO only.

Date:
Superintendent
PSD,

To
The Deputy Controller of Stamps
Central Stamp Depot
India Security Press (ISP)
Nashik Road - 422101.

3. The indent should be signed by Superintendent, PSD concerned and it should be

ensured that the total requirement of cheque books is in multiples of 3. (Example: 270,240,
999, 1500,3000 etc).

4. PSDs shall forward five copies of indents addressed to The Deputy Controller of
Stamps, Central Stamp Depot, India Security Press (ISP), Nashik Road -
422l}l to the
Superintendent, PSD, Nashik. The PSD concerned will also forward a copy of the indent,
one copy each to the Head of Circle and all the Regional Heads in the Circle, for information
and to keep watch over the stock of POSB Cheque books.

VIL ROLE OF PSD. NASHIK

l. Superintendent, PSD, Nashik will subsequently place consolidated indents to the

Deputy Controller of Stamps, .Central Stamp Depot, ISP Nashik in the month of February and
August every year.

2. PSD, Nashik shall place the consolidated indents to ISP, Nashik in the following
format. The indent number will run consecutively for each financial year.

SOP for Printing & Supply Page 7 of 18

 Annexure to SB Order No. 06/2022

Indent for supplv of POSB Cheque books containinq 10 Leaves

To
The Deputy Controller of Stamps
Central Stamp Depot,
India Security Press,
Nashik Road - 422101.

Indent No. Financial Year

Date

sl. Requirement of
No Name of PSD cheque Remarks
Books

TOTAL

Enclosure:
Superintendent
PSD, Nashik

3. Out of five copies received from various PSDs, one copy will be retained by PSD
Nashik for future references if any and PSD Nashik shall submit remaining four copies of
indents received from all the PSDs to ISP Nashik along with the consolidated indent.

4. PSD Nashik shall submit the copies of consolidated indents placed to ISP, Nashik to
the Head of Circle, Maharashtra Circle, DDG (FS), Postal Directorate and to all the PSDs
concerned whose indents are included in the consolidated indent.

VIIL ROLE OF'ISP. NASHIK

l. ISP, Nashik shall print the POSB cheque books containing l0 leaves and supply to the
PSDs concemed as per the list / consolidated indent submitted by PSD, Nashik.

2. ISP, Nashik shall raise the invoice in the name of Superintendent, PSD to which the
supply is made and send the invoices to the Superintendent, PSD concerned along with the
copies of the despatch slips and the acknowledgements.

SOP for Printing & Supply Page 8 of l8

 Annexure to SB Order No. 06/2022

Ix. PROCEDURE FOR PAYMENT

l. All the PSDs, immediately on receipt of supply of POSB Cheques from ISP, Nashik
should send the acknowledgement.

2. PSDs on receipt of the POSB Cheque books, should ensure that the payment for
the supply is made to ISP, Nashik within 15 days from the date of receipt of the supply
of cheque books.

3. All the payments for the POSB Cheque books supplied after 31.03.2022
including those supplied after 31.03.2022 against the indents placed by NSI, New Delhi
shall be made by the PSDs concerned.

4. The Superintendent, PSD, Nashik shall be the nodal officer to co-ordinate with
ISP, Nashik and other PSDs across the Country for all the matters related to ISP.

Note l: PSDs shall not send the indents directly to ISP, Nashik and all PSDs shall send
only one consolidated half yearly indent to PSD, Nashik along with all the details like MICR
Code etc.

Note 2: [n accordance with the provisions in MPKBY agency rules, ASLAAS-S cards
are to be issued to the Agents by the Appointing authority concerned. As such, neither Post
Offices nor PSDs will supply ASLAAS-S cards to the MPKBY Agents. Responsibility of
supply of ASLAAS-S cards to the MPKBY Agents shall not lie with Department of Posts.

Note 3: Proposed flow of printing and supply of ASLAAS-5 Cards, AAR Books and
POSB Cheque books is given in the Annexure - E.

X. EXPENDITURE

l. The payment towards printing and supply of AAR Books and ASLAAS-S cards will
be paid to the local printers and suppliers by the PSDs concerned.

2. The payment to ISP Nashik for the printing of POSB Cheque books will also be made
by the PSDs concerned.

3. The total expenditure on printing and supply of AAR Books, ASLAAS-5 cards and
POSB cheque books will be borne by the Ministry of Finance (Department of Economic
Affairs) and will be debited to "Cost of Printing" under the MH 8008-03-104 (cost of
printing).

4. A Standard Accounting Procedure will be sent separately on receipt of the same from
Postal Accounts and Finance (PAF) Wing of Postal Directorate.

SOP for Printing & Supply Page 9 of 18

 Annexure to SB Order No. 06/2022

Annexure - A

List of PSDs identilied for nrinting of AAR Books / ASLAAS-S Cards and

sl. Name of the Name of the Address Phone number e-mail ID

No. Postal Circle PSD
I Andhra PSD Besides Doordarshan 0866-2495563 psdvii a),awada.ap@ indiapost. gov. in
Pradesh Vijayawada Quarters, Gitanagar,
Krishna Lanka,
Viiavawada - 520013
) Assam PSD Near Bamunimaidam 0361-2557013 psdguwahati. as@indiapost. eov. in
Guwahati Bus Stop, PO
Bamunimaidam,
Guwahati-781021

J Bihar PSD Paura Patna GPO Campus, 0612-222s885 psdpatna.br@indiapost. gov. in.
Patna - 800001 supdtpsdpatna@ gmail.com

4 Chhattisgarh PSD Raipur ln fiont ofpujari park, 0771-2273678 [email protected]

Tikrapara, Raipur-
492001
5 Delhi PSD Delhi Civil Lines, Delhi- 0l l-23810295 [email protected]
l r 0054 01t-23815926

6 Gujarat PSD Cantonment, 079-22865284 psdahmedabad. gj @indiapost. gov. in

Ahmedabad Shahibaug, Ahmedabad
- 380004
7 Haryana PSD Ambala P& T Colony, Near 0l7l-2610618 psdambala dopl@rediffrnail. com.
Railway Hospital 0t7t-2610630 [email protected]
Ambala Canu, Ambala
Cantt-133001
8 Himachal PSD Shimla Block No. 12 A, SDA 0177-2629008 [email protected]
Pradesh Complex, Kasumpti,
Shimla - 171009
9 J&K PSD Jammu Narwal, Jammu - 0l9l-2490850 psdj ammu j k@indiapost. gov. in
l 80006
l0 Jharkhand PSD Ranchi Hehel, Ranchi - 834005 065r-2513400 psdranchi j h@ indiapost. eov. in
0651-2513500 [email protected]

il Karnataka PSD Hubballi Near Bharat Mill, 0836-2362758 osdhubli.ka@indiaoost. sov.in

Karwar Road, Hubballi 0836-2367160
- s80029
t2 Kerala PSD Thrissur Nethaji Road, Poothole 0487-2384523 spsdtsr.keralapost@ gmail. com
- 680004

r3 Madhya PSD Bhopal PSD Campus, Arera 0755-2551559 [email protected]. in

Pradesh Hills, Bhopal -462027

t4 Maharashtra PSD Nashik Upnagar, Nashik- 0253-24t4675 psdnashik.mh@ indiapost. gov. in.
422006. 02s3-2415315 [email protected]

SOP for Printing & Supply Page 10 of 18

 Annexure to SB Order No. 06/2022

l5 North Eastern PSD Silchar Arunachal, Masipur, 0384- 2278403 [email protected]

Tarapur Pt I, Silchar -
788025
l6 Odisha PSD PSD, Bhubaneswar - 0674-2570656 l
Bhubaneswar 751007
l7 Punjab PSD Ludhiana Vill. Sunet, F Block, 0161-2457352 [email protected]. eov. in
BRS Nagar, Ludhiana-
141012
l8 Rajasthan PSD Jaipur Baria House, Jaipur - 014t-2223079 psdj aieur.d @indiapost.eov.in.
302006 [email protected]

l9 Tamilnadu PSD Chennai 126, Kutchery Road, 044-24672412 psdchennai.tn@indiapost. gov. in

Mylapore, Chennai - sppsdchennai@ email.com
600004
20 Telangana PSD Padmarao Nagar 040 23463898 [email protected]
Hyderabad Colony, Hyderabad -
s00020
2t Uttar Pradesh PSD Lucknow Postal Stores Depot, 0522-2628743 [email protected]. gov. in
Lucknow
)) Uttarakhand PSD Postal Training Centre 0t32-2648063 SUpdtPSDSRE@ gmail.com
Saharanpur Campus, Saharanpur-
247002
23 West Bengal PSD Kolkata 33, B.B.D. Bag (East), 033-22429060 psdkolkata. wb@indiapost. gov. in.
Kolkata - 700001 033-22301t34 soosdkolkata@vahoo. co. in
033-22304s84

Note: If there is any change in the address or contact details, it may be updated accordingly

SOP for Printing & Supply Page 11 of 18

 Annexure to SB Order No. 06/2022

Annexure - B

PSD to whom
sl.
State / UT Address indent is to be
No.
placed
The Director, Director ate of Insurance
Department, Door No. 7-104, C-Block, 5th Floor,
PSD,
I Andhra Pradesh Anjaneya Towers, Ibrahimpatnam, Krishna
Vijayawada
District, P in-521 45 6 Andhra Pradesh
Phone: 0866-2884006
Andaman and
The Director, Information, Publicity and Tourism,
2 Nicobar Islands, PSD, Kolkata
Andaman and Nicobar Islands, Port Blair-744101
Port Blair
The Director of Small Savings, Govt. of
Arunachal Pradesh, D-Sector, Naharlagun-
3 Arunachal Pradesh PSD, Silchar
7 9l ll0, Arunachal Pradesh

Email: [email protected]
The Director of Small Savings, Govt. of Assam,
KarBhawan Complex, 5th Floor, Ganeshguri,
4 Assam PSD, Guwahati
Guwahati-781006. Assam
[email protected]
The Additional Secretary, National Savings,
5 Bihar Finance Department, Govt. of Bihar, Patna- PSD, Patna
80000 l
The Dy. Commissioner, Union Territory
6 Chandigarh PSD, Ludhiana
Chandigarh-160009
Directorate of Small Savings, First Floor, Block-1,
4th Floor, Indravati Bhavan, Naya Raipur,
7 Chhattisgarh PSD, Raipur
Chattisgarh-492002
Telephone: 077 1 -2428406
The Collector, Collectorate of Daman, Dholar, PSD,
8 Daman
Moti Daman, Daman-3 96220 Ahmedabad
The Collector, Office of the Collector, Fort Road, PSD,
9 Diu
Diu(U.T)-362s20 Ahmedabad
The Director, Directorate of Small Savings &
Lotteries, Serra Building, Near All India Radio,
l0 Goa
Altinho, Panaj i, Goa-40300 1
PSD, Nashik

Telephone: 0832-2423864
The Dy. Director, Small Savings, Bachat Bhawan,
PSD,
ll Gujarat Relief Road, Ahmedabad-3 8000 I
Ahmedabad
Mobile: 901499061017 567 008965

SOP for Printing & Supply Page 12 of 18

 Annexure to SB Order No. OGl2022

The Director, Directorate of Small Savings, Govt.

t2 Haryana of Haryana,30 Bays Bldg, SectorlT-C, PSD, Ambala
Chandigarh (I{aryana)
The Director, Small Savings, Himachal Pradesh
13 Himachal Pradesh PSD, Shimla
Secretariat, Yojana Bhawan, Shimla- 1 7 I 002 (H.P)
The Financial Commissioner, Finance Deptt.,
Civil Secretariat (Jammt),1144, Jammu (U.T)-
I4 Jammu & Kashmir 180001 PSD, Jammu
Phone : 0l9l -25467 I 5, 2520864
Email : financo.ik@-uisin
Winter
The Financial Commissioner, Finance Deptt.,
Civil Secretariat 1144, Jammu (U.T)-180001
Phone: 019 l -25 467 I 5, 2520864
Email : [email protected]
15 Jammu & Kashmir PSD, Jammu
Summer
the fin:ancial Commissioner, Finance Deptt., 5th
Floor, Room No-507, Civil Secretariat. Srinagar
(u.T)-le000e
Phone: 0194-2506052
The Director, National Savings, Finance
16 Jharkhand PSD, Ranchi
Department, Ranchi, Jhark'hand-834004
The Director, Department of Treasury, Directorate
of Pension, Small Savings and Asset liability
monitoring, Podium Block, Vishveshwaraiah
t7 Karnataka PSD, Hubbali
Centre, Ambedkar Veedhi, Bangalore -560001
Karnataka
Phone: 08022862785, 080228 61 623

The Director of National Savings, Golden Jublee

Corporation Building IInd Floor, (Opp: SMV
l8 Kerala PSD, Thrissur
School), M.G.Road, Trivandrum-69500 I
Phone: 047 1247 3 I | 6, 047 1247 87 3 I

The Sub Divisional Officer, Sub Divisional

19 Lakshadweep Offi ce, Lakshadweep Administration, Amini- PSD, Thrissur
682ss2.
The Commissioner/Secretary, Finance, Leh-
Ladakh, U. T. Administration, C ivil S ec re tariat,
20 Leh-Ladakh Leh Ladakh-l 941 0 1 (U.T) PSD, Jammu
Phone: 0198-2257561
Email : commrsecy-ladakh@ eov.in
The Directorate of Institutional Finanbe,
Govemment of Madhya Pradesh, C-Wing, lst
2t Madhya Pradesh PSD, Bhopal
Floor, Vindhyachal Bhawan, Bhopal-462003
Telephone : 9 I -7 5 5 -25 5 I 199, 25 52003

SOP for Printing & Supply Page 13 of 18

 Annexure to SB Order No. 06/2022

The Commissioner, Sth Floor, New

Administrative Building, Madam Cama Road,
22 Maharashtra PSD, Nashik
Mantralaya, Mumbai-400032
Tel ephone : 022-20 48029

The Director of Small Savings, Govt. of Manipur,

New Secretariat Building, Imphal-79500 l,
23 Manipur PSD, Silchar
Manipur,
Email- [email protected]
The Director of Small Savings, Govt. of
Meghalaya, Nohkrek Building, Lower
24 Meghalaya Lachumiere, Shillong-79300T, Meghalaya PSD, Silchar
Mob:9863067505,
Email : [email protected]

The Director of Small Savings, Institutional

Finance and State Lottery, Govt. of Mizoram,
25 Mizoram Tuikhutlan g, Aizaw al-7 9 600 l, Mizoram PSD, Silchar
Phone: 0389-232291
Email: ifsl_mizoram I [email protected]
The Officer on Special Duty Revenue and Director
of Small Savings, Govt. of Nagaland, Nagaland
26 Nagaland Secretatiat, Finance Department, Kohima-7 97 001, PSD, Silchar
Nagaland
Phone-0377-2270065
The Directorate of Small Savings & Lotteries, 5'n
Floor, N Block, Vikas Bhawan, New Delhi-
27 New Delhi I l 0002 PSD, Delhi
Phone: 0ll-23379779
Email : ssfi [email protected]
The Director, Small Savings & Secretary Finance,
PSD,
28 Odisha Govt. of Odisha, Secretariat Building,
Bhubaneswar
Bhubaneswar-751001
The Director, Planning & Research Deptt., Govt.
of Pondicherry, 505, Kamaraj Salai, Saram,
29 Puducherry PSD, Chennai
Puducherry-6050 I 3.
Phone: 04t3-2248071
The Directorate of Small Savings, Govt. of
30 Punjab Punjab, Vittiya Yojana Bhawan, 5th floor, Sector- PSD, Ludhiana
33-A, Chandigarh- I 60033
The Director, Directorate of Treasury Accounts,
A-Block, Vitta Bhawan, Jyoti Nagar, Janpath,
3l Rajasthan PSD, Jaipur
Jaipur-302005
Mobile: 9057585363

SOP for Printing & Supply Page 14 of 18

 Annexure to SB Order No. 06/2022

The Director of State Lotteries.cum Director of

Small Savings, Govt. of Sikkim, Finance
32 Sikkim PSD, Kolkata
Department, Deorali, Gangtok-73 7 102, Sikkim
Email : directorskmlotto@ gmail.com

The Director, Directorate of Small Savings, LLA

33 Tamilnadu Buildings, No.73 5, Anna Salai, Chennai-600002 PSD, Chennai
Phone: 044-28518737

The Director, Directorate of Insurance

Department, Govt. of Telangana, 3rd Floor,
34 Telengana APGLI Building, Tilak Road, Abids, Hyderabad- PSD, Hyderabad
500001 Telangana
Phone: 040-24754301

The Director of Small Savings, Group lnsurance

& Institutional Finance, P.N.Complex, Gorkha
35 Tripura Basti, PO : Kunj ab an-7 99006, Agartala, Tripura PSD, Silchar
Phone-03 8 | -2325833, 03 8 I -232580 I
Email : dilaet@),ahoo.in

The Dy. Director (Publicity), National Savings

Directorate, Vikasdeep, 2no Floor, 22-station
,36 Uttar Pradesh PSD, Lucknow
Road, Lucknow (UP),
Mobile: 8853609090
The Joint Director, National Savings Directorate,
Tax Bldg, 2nd Floor, Ring Road, P.O Nehrugram,
37 Uttarakhand PSD, Saharanpur
Dehradun-248005.
Mobile: 9411581908
The Director, Finance Department, Small Savings,
Govt of West Bengal Jessop Building, 63, N.S
38 West Bengal Road, Kolkata-700001 PSD, Kolkata
Phone: 033-22625895
Email: [email protected]

Note: If there is any change in the above contact details, it may be updated accordingly.

SOP for Printing & Supply Page 15 of 18

 Annexure to SB Order No. 06/2022

Annexure - C

1. AAR Books

sl. Item Specification

No.
I Size 30 cm X 21.5 cm
2. Pages 20 foils + cover pages
J Paper for Text 60 GSM Map Litho Printing paper
(GSM of paper duly certified / verified from the
Paper Laboratory Testing Centre)
4. Paper for Cover 75 GSM Pink/Blue Colour paper
(GSM of paper duly certified / verified from the
Paper Laboratory Testing Centre)
4 Printing Black and White with alphanumeric numbering.
Each serial number for book will be given from
00001 to 50000 and their respective foils will be
given serial from 000001 to 999999 along with the
prefix prescribed for each Circle/PSD.

2. ASLAAS-S Cards

sl. Item Specification

No.
I Size 30 cm X22 cm (Finished Size)
2 Pases l Leaf (2 Pages)
3 Paper for Text 150 GSM White Canridge paper
(GSM of paper duly cenified / verified from the
Paper Laboratory Testine Centre)
4 Printing Black and White with alphanumeric numbering at
three places in each card. Alphanumeric pattern
will change after each block of I - 999999 Lakh

3. Each AAR book and receipts in AAR Books and each ASLAAS-5 cards shall have a
unique serial number.

4. Serial number of receipts in AAR books and ASLAAS-5 cards shall be 12 alpha
numeric text and it shall be a combination of Prefix allotted to Circle / PSD, Alpha Serial&
Numerical Serial. Prefix shall be in four alphabets and it is listed in the Annexure - D. Alpha
Serial shall be in two alphabets starting from AA, AB, AC ...... AZ, BA, BB, BC .......82,
CA, CB . . ..etc. Numerical Serial shall be in six digits format starting from 000001 to 999999.
After exhaustion of numerical serial from I to 999999, the alpha serial shall be changed and a
numerical serial shall restart from 1.

5. Each AAR book shall have a book serial number having I I alpha numeric text and it
shall be a combination of Prefix allotted to Circle i PSD, Alpha Serial and numerical serial in

SOP for Printing & Supply Page 16 of 18

 Annexure to SB Order No. 06/2022

5 digits format starting from 00001 to 50000. Prefix and alpha serial will be the same as that
of AA receipts.

Examples:

(i). AAR Book of Andhra Pradesh Circle will have serials - Book No. APARAA 00001
and Receipt Serial will be from APARAA 000001 to APARAA 000020 and Book No.
ARARAA 00002 will have the receipts serial from APARAA 000021 to APARAA 000040
and Book No. APARAA 50000 will have the receipts with serial from APARAA 999981 to
999999. Once after the serial APARAA 999999 is printed, next block will start with serial
APARAB 00001 for book and APARAB 000001 for receipts.

(ii). ASLAAS-5 Cards of Gujarat Circle will have serial - GJASAA 000001. Once after
the serial GJASAA 999999 is printed, next block will start serial GJASAB 000001.

Annexure - D

Prefix for
st. Prefix for AAR
Circle PSD ASLAAS.S
No. Books
Cards
I Andhra Pradesh Viiayawada APAR APAS
2 Assam Guwahati ASAR ASAS
3 Bihar Patna BRAR BRAS
4 Chhattisearh Raipur CGAR CGAS
5 Delhi Delhi DLAR DLAS
6 Guiarat Ahmedabad GJAR GJAS
7 Haryana Ambala HRAR HRAS
8 Himachal Pradesh Shimla HPAR HPAS
9 Jammu & Kashmir Jammu JKAR JKAS
l0 Jharkhand Ranchi JHAR JHAS
l1 Karnataka Hubbali KAAR KAAS
12 Kerela Thrissur KLAR KLAS
13 Madhya Pradesh Bhopal MPAR MPAS
t4 Maharashtra Nashik MHAR MHAS
l5 North East Silchar NEAR NEAS
16 Odisha Bhubaneshwar ODAR ODAS
t7 Punjab Ludhiana PBAR PBAS
l8 Raiasthan Jaipur RJAR zuAS
t9 Tamilnadu Chennai TNAR TNAS
20 Telangana Hyderabad TLAR TLAS
2l Uttar Pradesh Lucknow UPAR UPAS
22 Uttarakhand Saharanpur UKAR UKAS
23 West Bengal Kolkata WBAR WBAS

SOP for Printing & Supply Page 17 of 18

 Annexure to SB Order No. 06/2022

Annexure - E

Proposed Flow of Printing and Supply of ASLASS, AAR Books and POSB Cheque Books

ASLASS Cards AAR Books POSB Cheque Books

lndents by SO to HPO,
lndents by lndents by 50 to HPO, HPO
HPO to DO and DO to
Directorate of to DO and DO to PSD
PSD identified
SmallSavings of identified
States to PSDs PSDs consolidate and
linked PSD consolidates and forward indents to PSD

Print locally Nashik

ldentified PSDs PSDs Nashik send

consolidates and PSD supplies to HPOs
consolidated indent to
Print locally ISP Nashik

ISP Nashik supplies to

PSDs supply to HPOs supplies to SOs PSDs pan lndia

DSSOs of States
PSD supplies to HPOs

DSSOs supply to Post Offices supply to

HPOs supplies to SOs
Agents the Agents

Post Offices supply to

POSA Holders
Expenditure will be charged bv DOP (PSDs) under public head.

SOP for Printing & Supply Page 18 of 18

 SB Order No. 07 I 2022
File No. FS'07 1312021'FS'DOP
Government of India
Ministry of Communications
Department of Posts
(tr'.S. pivision)

Dak Bhawan, New Delhi - 110001

Dated: 12.04.2022
To
All Head of Circles / Regions

Subject: Relaxation in mandatory updation of ASLAAS'5 Card Numbers in

Agent Portal by MPKBY Agents - Regarding.

Reference: SB Order No. 36/2021 dated 12.11.2021 issued in File No. FS'
07l3t202t FS-DOP
tt**

It has come to the notice of this office that still, MPKBY Agents are not
supplied with sufficient number of ASLAAS'5 cards by the Agents Appointing
Authorities in many States and as such they are not able to update the ASLAAS'
5 card numbers in the Agent Portal for generation of Schedule (BuIk List).

2. After examining the issue, Competent Authority has decided to extend the
relaxation provided in SB Order No. 36/2021 dated 12.11.2021, in connection
with updation ofASLAAS'5 cards on Agent Portal till 30.09.2022 or till supply of
ASLAAS'5 cards to the Agents by the State Authorities, whichever is earlier.

3. Other procedure circulated in SB Order No. 36/2021 dated L2.LI.2021

shall apply mutatis mutandis. Further, it is clarified that the same procedure
shall be followed for the opening of new RD accounts by MPKBY agents.

4. Circles shall take up the issue with respective State Authorities for
indenting and supply of ASLAAS'5 cards to MPKBY Agents immediately as no
further extension of exemption is possible.

5. This may be circulated to aII the Offices for information and necessary
actions.

6. This is issued with the approval of the DDG (FS).

,'\-
(TC
Asst. (SB.I)
Copv to:'

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (Co'ordination)/lVlember (Banking)/lVlember (O)/lvlember (p)l
Member (Planning & HRD)/lVIember (PLI)/lVIember (Tech)/AS & FA

4. Addl. Director General, APS, New Delhi

5. Chief General Manager, BD Di'rectorate I Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General ffig) 8r CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. A1I recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA), NS'II Section, North Block, New Delhi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002
15. GM, CEPT, Mysuru ' for uploading the order on the India Post website.
. 16. Guard File

(tc
Asst. (SB.I)
 SB Order 0812022

F. NO.CB-2s/s3 I 2OaO-FS
Government of lndia
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan, New Delhi
Dated: 18.05.2022
CLARIFICATION

To,
All Head of Circles/Regions,

Sub: NEFT/RTGS facility for POSB Account holders-reg.

Sir/Madam,

Attention is drawn to the SB Order No. 08/2022 issued vide this office letter of even no. dated
17.05.2022.

ln this connection, after the references received from field units it is to be clarified that NEFT and RTGS
are separate products. The SOP circulated for Post Offices in Annexure ll of the said order is for NEFT only. RTGS
functionality is currently under testing and is expected to be rolled out by 31..05.2022.

The roll out date for NEFT, as mentioned in para L of the SB Order No. 0812022 may be read as
1,8.05.2022. Separate SOP for RTGS will be circulated in due course before roll out.

This issues with the approval of the Competent Authority

tltttL-
(Puneet Bijaraniya)
ADG (FS il)

Copy to

1. Sr. PPS to Secretary (Posts)

2. PS to Director General (Postal Services)
3. PPS/PS to Addl. Director General (Coordination)/ Member (Banking)/Member (Operations)/
Member(Personal)/Member (Planning & HRD)/Member (PLl)/Member(Tech)/AS&FA.
4. Addl. Director General, APS New Delhi
5. Chief General Manager, BD Directorate/Parcel Directorate/PLl Directorate.
6. Sr. DDG (Vie & CVo)/Sr. DDG (PAF)
7. Director, RAKNPA/CGM,CEPIlDirectors of all PTCs
8. Director General, P&T (Audit), Civil lines, New Delhi.
9. Secretary, Postal Services Board/All DDGs.
10. All General ManaBers, Finance/Director Postal Accounts/DDAP.
L1. Chief Engineer (Civil ), Postal Directorate.
12. All recognised Federations/Unions/Associations.
13. The US, MOF (DEA), North Block New Delhi
14. GM, CEPT Mysuru for uploading the order on the lndia Post website.
15. Guard File.
 SB Order 0812022

F.NO cO-2rf*f zozo -rs

Government of lndia
Ministry of Communications
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi

Dated: 17.05.2022

To,
All Head of Circles/Regions,

Sub: NEFT/RTGS facility for POSB Account holders-reg

Sir/Madam,

This is regarding roll out of NEFT/RTGS facility for POSB accounts which is going to be made
operational for POSB account holders from 31..05.2022.

Standard Operating Procedure for Payment Channel Division, Bengaluru (Annexure l),
Standard Operating Procedure for end users of Post Offices (Annexure ll) and Standard Accounting
Procedure (Annexure lll) are attached herewith. lt is therefore requested to circulate this to all
concerned for information, necessary action and guidance. Wide publicity about the availability of
NEFT/RTGS facility to POSB account holders may also be made through notice boards/lnformation
Board of all the Post offices in Public area.

This issues with the approval of the Competent Authority

t1
(Puneet
ADG (FS il)
Encl: Annexure l, Annexure ll & Annexure lll

Copy to
1. Sr. PPS to Secretary (Posts)
2. PSto Director General (Postal Services)
3. PPS/PS to Addl. Director General (Coordination)/ Member (Banking)/Member (Operations)/
Member(Personal)/Member (Planning & HRD)/Member (PLl)/Member(Tech)/AS&FA.
4. Addl. Director General, APS New Delhi
5. Chief General Manager, BD Directorate/Parcel Directorate/Pll Directorate.
6. Sr. DDG (Vie & CVo)/Sr. DDG (PAF)
7. Director, RAKNPA/CGM, CEPT/ Directors of all PTCs
8. Director General, P&T (Audit), Civil lines, New Delhi.
9. Secretary, Postal Services Board/All DDGs.
10. All General Managers, Finance/Director Postal Accounts/DDAP.
11. Chief Engineer (Civil ), Postal Directorate.
12. All recognised Federations/Unions/Associations.
13. The US, MOF (DEA), North Block New Delhi
14. GM, CEPT Mysuru for uploading the order on the lndia Post website.
15. Guard File.
 Annexure I
Standard Operating Procedure for NEFT Nodal Office
Introduction
NEFT- National Electronic Fund Transfer is RBI operated interbank payment system. Under this scheme individuals can
electronically transfer funds from any bank branch or channels to any other individual having an account with any other
bank branch in the country participating in the scheme.
NEFT transactions are automated through Straight Through Processing (STP) modes by banks. NEFT transactions are
24*7*365 payment system. Transactions are settled between banks in every half an hour batch by RBI. DoP participating
in this scheme through sponsor bank IPPB. DoP CBS is integrated with IPPB MQ server for NEFT message transmission.
RTGS – Real Time Gross Settlement is defined as the continuous and real time settlement of fund transfers, individually
on a transaction without netting or grouping. Real Time means the processing of instructions at the time they are
received. Gross Settlement means the settlement of fund transfer instructions occurs individually. RTGS transactions are
available 24*7*365.
Transaction Timings and Batch Settlement
NEFT: RBI settles NEFT transaction batches between member banks every half an hour. First batch starts at 12.30AM
and last batch i.e., EOD batch is settled around midnight.
DoP has maintained Settlement Account with IPPB for NEFT transactions settlement. Each outward NEFT fund transfer
message sent to IPPB is validated for availability of funds in settlement account. Later these messages are grouped and
sent to RBI for further settlement and posting in beneficiary account.
Similarly, in respect of inward transactions, IPPB does settlement for every half an hour with DoP by sending grouped
inward messages. Such messages are ungrouped and processed in DoP CBS.
RTGS: RBI settles RTGS transactions individually between member banks in real time.
DoP has maintained Settlement Account with IPPB for RTGS transactions settlement. Each outward RTGS fund transfer
message sent to IPPB is validated for availability of funds in settlement account. Later these messages are sent to RBI
for further settlement and posting in beneficiary account.
Similarly, in respect of inward transactions, IPPB does settlement for each transaction on the basis of individual
instruction. Such messages are processed in DoP CBS.
Stakeholders and other details
Sender/Remitter: Any individual or entity who initiates transaction with other bank customer for transfer of funds.
Beneficiary: Any individual or entity who receives the funds or to whose account payment is directed to be made in
payment instruction.
Remitter Bank: The bank whose customer has initiated the transaction to remit the funds to beneficiary account.
Beneficiary Bank: The bank whose customer is receiving the funds.
SFMS Message: Structure Financial Messaging Solution message containing instructions for fund transfer.
IPPB: India Post Payments Bank who is Sponsor Bank for DoP
Nodal Accounting Office: PAO Delhi (11005499) acts as nodal accounting and settlement office for DoP
Nodal Operations Office: PCD, Bengaluru acts as nodal office and resolution of customer grievances for NEFT operations.
Types of NEFT messages:
Outward NEFT fund transfers are initiated from concerned PO SOL (transaction initiating SOL in CBS)
All inward messages are processed at Nodal Office (SOL ID- 11005499)
All inward transaction processing is STP (Straight Through Process) and automated.
Outward NEFT Fund Transfer Initiation (N06): Any fund transfer initiated by DoP POSB customers to other beneficiary
bank account.
Acknowledgement and Negative Acknowledgement messages from IPPB(F27): All outward and inward return
messages sent to IPPB will receive positive acknowledgement (ack) or negative acknowledgement (nack) messages from
IPPB.
Inward NEFT Fund Transfer (N02): Inward messages (N02) will be received at DoP CBS from other remitting bank
through IPPB in grouped manner which will be automatically ungrouped and processed in DoP CBS on receipt of end of
the batch indicator message (N04).
N04 message for inward end of the batch indicator: Inward batch messages(N02) after ungrouping will get processed
in CBS on receipt of end of the batch indicator message i.e. N04. N04 message contains total count of transactions and
amount of fresh inward and outward return transactions. CBS system will match the count and total amount of
transactions of N04 with corresponding N02 batches and will post in the CBS system.
Outward Return (N07 Inward): Any outward messages sent to beneficiary bank and returned by that bank will be
received as inward batches. N07 inward messages will be received along with fresh inwards (N02). After ungrouping
Inward N02 messages and matching with N04 message, outward return messages will be posted in CBS.
Inward Return (N07 Outward): If any inward message (N02) could not get posted to POSB account due to any business
reasons during processing of inward transactions, such transactions will be returned to remitting bank as N07 outward.
In case Inward Return (N07 outward) is rejected by IPPB due to delay in transmitting for more than batch + 2 hours
during processing, automated outward message (Automated N06) will get generated from Nodal SOL for further
transmission.
Outward Credit confirmation (N10 Inward): Whenever outward messages (N06) sent to beneficiary bank is processed
and posted to beneficiary account, credit confirmation (N10 inward) is sent to remitter bank (DoP) indicating successful
credit to the beneficiary account.
Inward Credit confirmation (N10 Outward): Whenever fresh inward (N02) messages are processed and are successfully
credited to beneficiary POSB account, CBS will generate successful credit confirmation message (N10 Outward) and send
it to beneficiary bank.
RBI Rescheduling or rejection message (N03): If any NEFT Outward (N06) messages gets rejected or rescheduled by RBI
for any reason, RBI rejection message (N03) will be sent to remitting bank (DoP).
If N03 is received from RBI for not to process specific N02 (inward) before receipt of N04, such transactions will be
marked as deleted and will not be posted to beneficiary account in DoP CBS.
Types of RTGS messages
Outward/Inward RTGS Customer Fund Transfer (pacs.008): All outward RTGS customer fund transfer initiated across
counters and channels are transmitted to IPPB for further settlement with RBI and further credited to beneficiary
accounts. Similarly for all inward RTGS customer transactions, IPPB will send the payment instruction messages
individually for further crediting to DoP Customer accounts.
Outward/Inward RTGS interbank Fund Transfer (pacs.009): All outward RTGS interbank fund transfer initiated by Nodal
Office are transmitted to IPPB for further settlement with RBI and further credited to beneficiary accounts. Similarly for
all inward RTGS customer transactions, IPPB will send the payment instruction messages individually for further crediting
to DoP Customer accounts.
RBI Rescheduling or rejection message (pacs.002): If any RTGS Outward (pacs.008/pacs.009) messages gets rejected or
rescheduled by RBI for any reason, RBI rejection message (pacs.002) will be sent to remitting bank (DoP).
Inward/Outward credit confirmation (camt.059): Whenever outward messages (pacs.008/ pacs.009) sent to
beneficiary bank is processed and posted to beneficiary account, credit confirmation (camt.059) is sent to remitter bank
(DoP) indicating successful credit to the beneficiary account.
Whenever fresh inward (pacs.008/pacs.009) messages are processed and are successfully credited to beneficiary POSB
account, CBS will generate successful credit confirmation message (camt.059) and send it to beneficiary bank.
Outward/Inward RTGS Return (pacs.004): If any inward message (pacs.008/pacs.009) could not get posted to POSB
account due to any business reasons during processing of inward transactions, such transactions will be returned to
remitting bank as pacs.004 outward.
If any outward messages sent to beneficiary bank and returned by that bank will be received as inward transaction in
the form of pacs.004. Such outward return messages will be posted in CBS.
Completion of Nodal Office EOD : Completion of EOD of NEFT/RTGS Nodal Office SOL (11005499) after 2330 hours on
all days before initiating DC closure should be done by CEPT EOD team, Chennai.
Role of Nodal Accounting Team
PAO Delhi (11005499) office is designated as Nodal office for accounting of NEFT/RTGS settlement transactions.
Following duties to be performed by Nodal Accounting Team.
1. Posting of NEFT/RTGS Inward and Outward Settlement transaction entries in DoP CBS as per the prescribed
Standard Accounting Procedure
2. Monitoring and replenishment of funds in IPPB Settlement Account as per the prescribed procedure.
3. Reconciliation of settlement entries in pool accounts.
4. Submission of GST Returns, GST Invoice and claiming Input Tax Credit for NEFT/RTGS related transactions.
5. Coordinating with Nodal Operations Team for any NEFT/RTGS operation related and technical issues.
 6. Any other responsibilities as prescribed in standard accounting procedure.

Role of Nodal Operations Team

PCD, Bengaluru is designated as Nodal Office for operations related to NEFT/RTGS transactions. Following are to be
monitored/performed by the Nodal Operations Team.
1. Processing of manual outward fund transfer (N06) using HPORDM menu in case of failure of automated N06 for
inward return rejection, based on excess fund availability in designated parking account with approval from the
Competent authority.
2. Processing of return of automated N06 for inward return rejection using HPORDM menu should be done in co-
ordination with IPPB and beneficiary bank, based on excess fund availability in designated parking account with
approval from the Competent authority.
3. Processing of manual interbank fund transfer (pacs.009) for any failure in RTGS inward return based on excess
fund availability and reconciliation and recommendation by IPPB CPC, with approval from the Competent
authority.
4. Daily Monitoring of reconciliation of NEFT/RTGS transactions by coordinating with IPPB Team and further upload
of TTUMs based on reconciliation output provided by IPPB.
5. Marking of lien (HALM) for the required amount based on the request from IPPB CPC or remitter bank through
IPPB CPC for wrongful credit to POSB. SOLs may be informed accordingly not to remove the lien.
6. Nodal Office to inform the concerned Circle SPOCs to get the account frozen by the concerned HO, in case of
any suspicious fraudulent credit to the account.
7. Processing of NEFT/RTGS Inward and Outward transaction messages in DoP CBS to be monitored in coordination
with concerned technical teams of FSI/IPPB/CEPT for any technical issues.
8. Separate work class with both maker and checker are required in CBS for accessing menus like HPORDM, HSMI,
HACLINQ, HALM, HCRT, HBRTM and HCCS. CEPT will revisit and provide menus on need basis. User role
assignment and creation are to be handled as per existing procedure followed for user creation and SOL role
change though circle CBS CPC of Karnataka Circle. For this purpose, PCD will be given separate Division login in
mis.cept.gov.in for lodging such requests.
9. Transactions created from PCD, Bengaluru to be monitored using long book and NEFT/RTGS detailed reports by
SBCO of Delhi GPO on daily basis.
10. Management and resolution of complaints related to NEFT/RTGS transactions originated from different
channels, received through modes like CSI CRM Portal, Customer Care, India Post customer web portal and Post
Offices.
11. Coordinating with IPPB CPC/FSI/CEPT for addition, modification and deletion of IFSC.
12. Coordinating with beneficiary/remitter bank through IPPB CPC for any customer transaction related disputes.
13. Reversal of transaction amount based on reconciliation and recommendation by IPPB CPC.
14. Managing banking ombudsman and fraudulent cases by coordinating with IPPB CPC.
15. Any payments to comply with ombudsman advisories are to be made after obtaining approval/sanction from
the competent authority.
 Annexure II
1. About this Document

This document provides all related information to the India Post end users to understand the process of NEFT
(National Electronic Fund Transfer) Outward and Inward Remittance transactions process flow and operations
across the PO counter.

2. Introduction
 National Electronic Fund Transfer (NEFT) is one of the payment products operated by RBI.
 The Beneficiary gets the funds on the same day or the next day.
 Post Office customers can send money to Post Office accounts from other bank through their internet
banking. This will make investment in POSB schemes easier. At present, NEFT Inward Remittance is
allowed only to Post Office Savings Account. However, this facility will be extended toPPF and SSA
accounts shortly. Similarly, during closure of Accounts except SB, the funds can be credited to
customer’s POSB account and further outward NEFT can be initiated through Post Office/Internet
Banking / Mobile banking for desired Beneficiary bank accounts and drawing of cheque can be
avoided.
 IFSC (Indian Financial System Code) is an eleven-character alphanumeric code that is used to identify
the particular branch of a participating bank and is used in remittances namely NEFT & RTGS. For
POSB customers there will be only one IFSC for all branches/POs. IFSC for POSB customer is
IPOS0000DOP. Post offices should affix DoPs IFSC in all the Savings, PPF and SSA passbooks in the
first page as “IFSC : IPOS0000DOP”.
 UTR number for NEFT is 16-digit Unique Transaction Reference number.
 NEFT services are available across counters during regular business hours of the PO.
 In addition, customers who are already registered users of India Post eBanking and mBanking services
can also initiate outward NEFT transaction through those channels. The unregistered POSB customers
can also avail NEFT facility after due registration.


3. Charges and Limits

Service charges for customer initiated NEFT outward transactions across counter are:

For transactions up to ₹ 10,000 ₹ 2.50 + Applicable GST

For transactions above ₹ 10,000 up to ₹ 1 lakh ₹ 5 + Applicable GST
For transactions above ₹ 1 lakh and up to ₹ 2 lakhs ₹ 15 + Applicable GST
For transactions above ₹ 2 lakhs and not exceeding the ₹ 25 + Applicable GST
maximum limit

 However, no charges are levied for outward NEFT transactions initiated through eBanking & m-
Banking channels.
 Minimum & Maximum amount per transaction for NEFT Remittance across the counter is Rs.1/- and
Rs.15,00,000/- respectively.
 The limit per transaction is Rs 2,00,000/- for outward NEFT through eBanking & m-Banking channels.
The maximum number of transactions permitted per day are five. Daily Transaction limit for outward
NEFT initiated through eBanking & m-Banking services is Rs.10,00,000/-.
 There is a time variable transaction capping for eBanking & m-Banking to mitigate fraud risk. Hence
maximum transaction limit for outward NEFT initiated through eBanking/m-Banking from 8 PM to 8
AM is Rs.2,00,000/-.
 The charges and limits are subjected to revision.
4. Requirements
 Customer should have an active post office savings account to initiate outward NEFT remittance to
other bank accounts.
 The counter PA should collect a NEFT mandate form along with SB -7/POSB cheque from the
customer.

5. Outward NEFT transaction initiation & verification procedure

a) After logging on to Finacle with User Name and Password, select the solution as NEFT/RTGS

b) Invoke HPORDM menu

c) Select the function Add for initiating fresh outward NEFT transaction and Payment Product as ‘Customer
Transfer’

d) Enter the following mandatory fields:

I. Debit A/c of the POSB customer
II. Instrument type will be WDSLP (Withdrawal Slip) and Instrument date will be BOD date by default. If
cheque is submitted by the customer, change the instrument type as “CHQ” using searcher and enter the
cheque number in instrument Alpha/Serial number field against the instrument type.
III. Remittance Amount
IV. Name of the beneficiary under Beneficiary Customer Section
V. A/c ID of the beneficiary under Beneficiary Customer Section
VI. Address Line 1 of the beneficiary under Beneficiary Customer Section
VII. IFSC code of the beneficiary bank under Account with Institution Section. After entering IFSC code,
bank code and branch code will automatically get populated.
Counter PA should ensure that correct account number and IFSC are entered as mentioned in NEFT mandate
form by the customer, to avoid wrong credit.

e) Method of Payment to be entered as ‘NEFT’ and click on Fetch. After clicking Fetch, required fields will
auto populate.

f) Click on View Charges to view the charges screen and click on submit in the Charges Details screen.
g) Finally Click on Submit in HPORDM screen and a payment order ID will get generated. Same has to be
recorded in NEFT mandate form.
h) After payment order ID is generated, supervisor can verify the same from HPORDM menu using Verify
function.

i) Alternatively, supervisor can also see the unverified payment records using the search option in Payment
order ID and verify the same after confirmation.
j) Once supervisor verifies the transaction, a 16-digit UTR number (Example DOPH221100005618) will be
generated which has to be noted in both the NEFT mandate form and SB-7 form or POSB cheque, by the
supervisor.

6. Message numbers for Identifying NEFT Outward and Inward transactions in CBS
 N06 - For Outward NEFT transaction.
 N02 - For Inward NEFT transaction.
 N03 - For RBI Rejection.
 N07 - For Outward/Inward Return transaction.
  N10 - For Successful Outward/inward transaction credit confirmation.
 F27- For knowing positive/negative acknowledgment from IPPB CBS/SFMS

7. Identification of UTR Numbers

 UTR starting with DOPH are for counter initiated NEFT outward remittance
 UTR starting with DOPE are for eBanking initiated NEFT outward remittance
 UTR starting with DOPM are for mBanking initiated NEFT outward remittance
 UTR starting with DOPZ are for automated N06 for inward return rejected transactions

8. Reversals in case of failed transactions

 In case of Outward Return transaction (N07i), only the transaction amount will get reversed in
customer’s POSB account excluding the service charges.
 In case of failure at IPPB CBS/SFMS (FCAPI, FBAPI), the transaction amount along with the service
charges will get reversed into customer’s POSB account.
 In case of rejection at RBI end (N03), the transaction amount along with the service charges will get
reversed into customer’s POSB account.

9. Inquiry of outward NEFT initiated transaction

a. End user can Inquire/check the status of the outward NEFT initiated transaction using HSMI menu.
For all outward NEFT initiated transactions, the message no N06 is to be used

b. Enter the following fields in HSMI screen:

 PaySys ID as NEFT
 Message no. as N06
 Set ID as SOL ID
 In/Out Indicator as Out
 From Execution Date & To Execution Date is transaction date
c. For the successful transaction, the status will be shown as processed and for unsuccessful
transaction, the status will be shown as error in N06 message.

d. User can click on the View Message for the error status and find the failure reason for the
transaction. Following are some of the failure reasons.
 FBAPI, - Failure at IPPB (because of technical reasons)
 FCAPI - Failure at IPPB (because of technical reasons)
 N03- Rejection at RBI end
 N07i – Outward Return transaction (return by other bank because of incorrect account
details or any other business declines)
FBAPI

FCAPI
N03

N07i
 e. Enquiry using 16-digit UTR no – User can enter the UTR no (DOPH221080005497) alone in HSMI
menu and check the status of the transaction.

Status of the transaction can be seen as processed below:

 f. Enquiry using payment order ID(PORD) – User can enter the 12-digit (000000018924) PORD in
Routed Ref.No, paysys ID as NEFT, Set ID as SOL ID and check the corresponding Outward/Inward
NEFT transaction.

Corresponding N06 message is shown for the entered PORD

10. Enquiry of Inward NEFT transaction

a. When a customer comes to enquire about the NEFT Inward credit to his POSB account, the end
user can enquire the same in HSMI menu using UTR no.

b. User can note down the 12-digit payment order ID in the Routed Ref.No. field
c. User can enter the 12-digit (000000018700) PORD in Routed Ref.No, paysys ID as NEFT, Set ID as
SOL ID and check the corresponding status of the Inward NEFT transaction.

For successful transaction two rows will be shown in Enquiry. Here N02 is the original NEFT Inward
message and N10 is the corresponding credit confirmation message for successful credit in the
customer’s POSB account.

For unsuccessful transaction also two rows will be shown in Enquiry. Here N02 is the original
NEFT Inward message and N07 is the corresponding inward return message generated for
unsuccessful credit in POSB account.
11. Activities at SOL level

a. End user can view the outward NEFT initiated transaction in long book, GL Detailed report and GL
Summary report which are available in HFINRPT.
b. At the end of the day, user should forward the NEFT mandate form along with SB-7 form or POSB
cheque to SBCO.
c. For reference, user can also view the NEFT Detailed Report under outward transaction type for
channel BRN using HFINRPT menu. However, the report can be generated for internet and
mobile banking channels using relevant channels.
d. GL summary report should be generated even for Sundays and holidays as Data centre is not
marked as holiday since transactions carried out on Sundays and holidays will be accounted in
SAP and reflected in the reports.
e. Respective SOL should ensure freezing/unfreezing of accounts based on the request received from
Nodal Office/CEPT/Circle CBS CPC/competent authority.
f. NEFT related lien marked on the accounts by the Nodal office should not be removed by the SOLs.
g. Complaints/disputes received if any, should be immediately forwarded to Nodal Office through
email or SAP CRM.

12. Grievance Mechanism

Customers can use any of the following methods to register complaints regarding their NEFT
transaction
a. Through India Post customer care number 1800 2666 868.
b. Through complaints section in India Post website
https://www.indiapost.gov.in/VAS/Pages/ComplaintRegistration.aspx under financial services
category, Savings bank service and select the type as NEFT.
c. Through SAP-CRM in any post office branch.
d. Post office end user should register the complaints under financial services- Savings Bank category
in SAP-CRM option
e. UTR number is mandatory for registering complaints for all NEFT transaction related grievance.
f. Post Offices and circles can contact Nodal Office, Bengaluru for any operational support and
critical issues. (email id - [email protected])

13. Nodal Office for NEFT

 Name : Payment Channels Division
 Email ID : [email protected] (New email ID will be communicated shortly
 NEFT AND RTGS MANDATE FORM

Beneficiary Details
Beneficiary Name
Beneficiary Account Number
Confirm Beneficiary Account number
Beneficiary Address
Beneficiary Bank Name and Branch
Beneficiary Bank IFS Code (IFSC)
Amount (in figures) to be credited
Amount (in words) to be credited
Remitter/s Details
Remitter Name
Remitter Account Number
Remitter Mobile number
Remarks- if any
Terms and Conditions

1. I/We hereby authorize India Post to carry out the NEFT/RTGS transactions as per the details mentioned above.
2. I/We hereby agree that the aforesaid details including the IFSC and the beneficiary account are correct.
3. I/We further acknowledge that India Post accepts no liability for any consequences arising out of erroneous details provided by me/us.
4. I/We agree that the credit will be affected solely on the beneficiary account number information and beneficiary name particulars will not be
used for the same.
5. I/We authorize the bank to debit my/our account with the charges plus taxes as applicable for this transaction.
6. I/We hereby agree & understand that the RTGS/NEFT request is subject to the RBI regulations and guidelines governing the same.
7. I/We also understand that the remitting Bank shall not be liable for any loss of damage arising or resulting from delay in transmission delivery
or non-delivery of electronic message or any mistake, omission or error in transmission or delivery thereof or in deciphering the message from
any cause whatsoever or from its misinterpretation received or the action of the destination Bank or any act or even beyond control.
8. In case the NEFT/RTGS option is not ticked by us, I/We authorize you to execute the transaction less than Rupees Two Lakh through NEFT and
greater than or equal to Rupees Two Lakh through RTGS and debit the charges as applicable.

Signature of
the Authorised
Signatory 1st Signatory 2nd Signatory

For Post Office Use Only

Payment order ID
Transaction entered by Date Stamp
Transaction Authorized by
UTR Number

Customer Acknowledgement (to be filled by Post Office)

Received an application for NEFT /RTGS for an amount of Rs (Rupees

) vide SB Account number

and to be credited to Account number of
bank with IFSC Code _.India Post will hold no
liability for any consequences arising out of erroneous details provided by the Customer.

Date : _ Signature and Date Stamp: _ _

 Annexure III

Standard Accounting Procedure for NEFT

Facility to POSB Customers
 No.56-16/2020-21/NEFT-RTGS/PA (Accounts)/
Government of India
Ministry of Communications
Department of Posts
Dak Bhawan- PA Wing
New Delhi-l10001

Dated 17t05t2022

Sub: Standard Accounting Procedure for NEFT Facility to POSB Customers-reg.

Ref: This office letter 56-1612020-214{EFT-RTGS/PA (Accounts) dated 17.05.2021,

I 0.0 I .2022, 24 .0 | .2022, 04 .02.2022, | 4 .03 .2022, 22.0 4.2022

with launch of NEFT facility across the

Please refer to the letters cited above. In connection
country, the Standard Accounting Procedure is enclosed for further necessary action. It is requested
to take the following action to facilitate smooth functioning of NEFT transactions, accounting
reconciliation and settlement.

a) Provide necessary training to the identified staff of PAO, Delhi.

b) Ensure to provide required reports to PAO, Delhi for daily accounting, reconciliation&
settlement.
c) Ensure to extend proper co-ordination between Nodal office-operation Team at Bengaluru
and Nodal office-PAO, Delhi.
d) It is suggested to regulate the NEFT facility to the Customers during the time of RBI EoD in
line with the industry practice to ensure that the EoD Mismatch is eliminated. (Reference:
Annexure-Il - Para 3 in 56-1612020-2L|NEFT-RTGS/PA (Accounts)/3588 to 90 dated 17-12-
2021

This issues with the approval of Sr. DDG(PAF)

-4
(Bapir; tN)
Accoun sr)
ADG (FS)

Copy to:

The General Manager(F), PAO Delhi for information. The Standard Accounting Procedure for
NEFT is attached for reference and funher necessary action.
Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 1 of 20
 1. Introduction

2. Standard Operating Procedure

3. Sponsor Bank for NEFT/RTGS facility

4. Nodal Office for Accounting, Reconciliation & Settlement

5. Scope of the Accounting Procedure

6. Chargeable / Non-Chargeable –to Customers

7. Revenue & Expenditure for NEFT Transactions to Department of Posts

8. Summary of Accounting Procedure

9. Fund Flow Management

(a) Funding of SBI Current Account

10.1
(b) Funding of IPPB Settlement Account

(c) Return of excess funds in IPPB Settlement Account

(a) NEFT – Outward Transaction

10.2 (b) NEFT – Outward Return (Business Decline)

(c) NEFT – Outward Return Technical Decline

(a) NEFT – Inward Transaction

10.3 (b) NEFT – Inward Return

(c) NEFT – Inward Return Failure / Rejection

10.4 (a) Outward Transactions

(b) Inward Transactions

10.5
When NEFT Outward (Including Inward Return) is more than NEFT
(a)
Inward
When NEFT Inward (Including Inward Return) is more than NEFT
(b)
Outward
11

12

13

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 2 of 20

 14 Nodal PAO, Delhi

15 Other PAOs other than PAO Delhi

16 PAF Wing

17 FS Division

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 3 of 20

 Department of Posts is providing NEFT / RTGS facility to the POSB Customers,
which is available 24 x 7 x 365 days. This facility enables POSB customers to
transfer funds to and from Other Bank Accounts to POSB Accounts in DoP-CBS.

The Standard Operating Procedure is as prepared by the FS Division

IPPB is the Sponsor Bank for providing NEFT/RTGS facility to POSB Customers

PAO, Delhi is the Nodal Office for the entire country for arrangement of funds
daily accounting, reconciliation and settlement of amount. Detailed scope of Nodal
Office is mentioned under Roles and responsibilities section of this document

This Accounting Procedure is restricted to NEFT Transactions and related activities

only. For RTGS, separate accounting procedure will be released separately.

a. Inward NEFT Transactions are not chargeable to Customers

b. Online NEFT Transactions initiated through e-Banking and M-Banking
Channels are not chargeable

When Customer approaches the Counter and requests for NEFT Outward, the
following charges are levied which are auto debited from the POSB Account at
the time of transaction

a. For transactions upto Rs. 10,000: Rs. 2.50 + GST

b. For transactions above Rs.10,000 upto Rs. 1 Lakh Rs. 5.00 + GST
c. For transactions above Rs. 1 Lakh upto Rs. 2 Lakhs Rs. 15.00+GST
d. For transactions above Rs. 2 Lakhs Rs. 25.00+GST

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 4 of 20

 �
For each inward NEFT transactions from Other Banks to POSB
Account an amount of @ Rs.0.25 + GST will be received through
IPPB from other Banks
�
Details are mentioned at para 6 above.
�
For each inward NEFT transactions @ 0.15 + GST
For each outward NEFT transaction @ Rs. 2 + GST
�
For each outward NEFT transaction @ 0.25 + GST through IPPB
� is to be incurred by Department of Posts on account of
Operational Risks

A) Funding to IPPB Settlement Account for NEFT Transactions

B) NEFT Transaction Process (Outward/Inward/Failures etc)
C) Accounting of Charges payable to IPPB and interchange fee
payable/receivable to and from IPPB towards NEFT/RTGS transactions.
D) EoD Mismatch Amount
E) Handling of Operational Risks

PAO Delhi being the Nodal Office for NEFT Transactions, a Settlement
Account with IPPB is opened to keep adequate funds on a daily basis and
to replenish it as and when it reaches the pre-defined threshold limit, as
communicated from time to time.

IPPB Settlement Account will be funded from Government Account of

PAO, Delhi through a Current Account opened for the purpose with SBI.
As NEFT is a 24 x 7 x 365 facility, sufficient funds to enable the
transactions are required to be made available in IPPB Settlement
Account. PAO, Delhi will facilitate funding through the SBI Current
Account which can be operated at any time.

Apart from the transaction value for NEFT transactions, expenditure and
revenue will also be accounted on a daily basis which impacts the Balance
in IPPB Settlement account

The same IPPB Settlement Account will be used for RTGS Transactions /
Sweep-In and Sweep-Out Transactions between IPPB & POSB Accounts.

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 5 of 20

 Hence, the net balance at the end of the day in the Settlement Account
will have an overall impact of transactions from all the above sources

Funding to
SBI Current
Govt. Drawings Account Acc SBI Current Account Sweep­In Current
(PAO Delhi) (PAO Delhi) Account with IPPB
Return of Excess (PAO, Delhi)
funds from
Funding to Sweep­In
Account at EoD
Settlement Acc Auto Funding
for Sweep­In
Txns

Govt. Remittances NEFT/RTGS

Account Return of Settlement Account Sweep­Out Current
amount, in with IPPB Account with IPPB
(PAO, Delhi) excess of (PAO, Delhi)
threshold limit (PAO Delhi)
in IPPB
Settlement Return of Excess funds from
Account, to Sweep­Out Account at EoD
DoP Govt
Remittances
Account

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 6 of 20

 PAO , Delhi Manual
Balance with SBI Drawings from SOL posting in
CA-NEFT/RTGS bank ID(11005499) Finacle
- PAO, Delhi System
855301101420000 867000107010000 Profit Centre posting
Balances with SBI Drawings from through
CA-NEFT/RTGS Bank clearing GL integration

11005499NRIPB 11005499NRSBI PAO , Delhi SOL Manual

Balance with IPPB - Balance with SBI ID(11005499) posting in
NEFT/RTGS CA-NEFT/RTGS Finacle
4855300650- 8855300660- PAO, Delhi System
855301101410000 855301101420000 Profit Centre posting
Balances with IPPB Balances with SBI through
CA-NEFT/RTGS CA-NEFT/RTGS integration

(c)

PAO , Delhi SOL Manual

Remittance to bank Balance with IPPB- ID(11005499) posting
NEFT/RTGS in Finacle
- PAO, Delhi System
867700102010000 855301101410000 Profit Centre posting
Remittance to Bank Balances with through
Clg IPPB-NEFT/RTGS integratio
n

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 7 of 20

 System
(A/c SOL ID) Inter SOL CBS posting
(A/c SOL ID) Transaction in
Amount to be Finacle
Inter SOL CBS NEFT outward payable pool transferred to
Account other Bank InterSOL
(PAO, Delhi SOL- (PAO, Delhi SOL -11005499) entries
11005499) between
NEFT Charges A/c SOL
(A/c SOL ID) NEFT/RTGS Charges from from Customer, &
customer if txn is done Transacti
through PO on SOL,
Counters if
Custome
GST on NEFT
r walks
Charges from
GST on NEFT/RTGS Charges into
(A/c SOL ID) Customer, if
from customer other
NEFT charges
(PO SOL-ID where transaction Office
are applicable
is initiated) for NEFT
If Customer walks into other Office for availing NEFT facility through
PO Counter, accounting entries will automatically involve RSAO-InterSOl CBS and
revenue with GST will be accounted at the transaction initiating SOL.
Profit centre
800100101010000 878200121010100 concerned of
POSB (1981) Inter SOL CBS A/c SOL

866100140360000 (NEFT
878200121010100 PAO Delhi
Outward Payable Pool A/c)
inter SOL CBS profit centre- System
IPPB POOL ACCOUNT FOR
(PAO Delhi Profit 3800000000 posting
NEFT/RTGS
Centre) through
(PAO Delhi Profit Centre)
Integrati
Profit centre of
on
800100101010000 120100200250000 REVENUE A/c SOL (or)
POSB (1981) EARNED THROUGH Txn SOL
(A/c SOL profit NEFT/RTGS IN CBS- NEFT depending on
centre) Charges the
(Txn Sol Profit Centre)
- -
800100101010000 86610010161**** GST ON
POSB (1981) FINANCIAL SERVICES GST
(PO profit centre) Liability
If Customer walks into other Office for availing NEFT facility through
PO Counter, accounting entries will automatically involve RSAO-InterSOl CBS and
revenue with GST will be accounted at the transaction initiating SOL.
Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 8 of 20
 On account of fault attributable to the Customer the transaction may get declined
which is termed as Business decline. In this case, NEFT charges and GST collected from
the Customer, if any, are not refundable,

11005499+0021
PAO , Delhi
NEFT outward payable pool Inter SOL CBS System
SOL
Account posting
ID(11005499)
CBS PAO Delhi SOL ID (11005499) (PAO Delhi SOL) in
Finacle
Inter SOL CBS A/c SOL ID

866100140360000 878200121010100
PAO, Delhi
IPPB POOL ACCOUNT FOR Intersol CBS
Profit
NEFT/RTGS System
centre
(PAO Delhi SOL Profit (PAO Delhi SOL posting
CSI Centre) Profit Centre) through
Integrati
Profit centre
800100101010000 on
878200121010100 of the post
POSB (1981)
Inter SOL CBS office
concerned

Any failure not attributable to the Customer, it is termed as Technical Decline

and NEFT charges and GST are refundable, if collected from the customer.

PAO , Delhi
NEFT outward payable pool Account Inter SOL CBS SOL
PAO Delhi SOL ID (11005499) ID(11005499)

Inter SOL CBS System

PO SOL IDs
posting
concerned, if
SOLID+0034 POSB a/c in
the transaction
NEFT/RTGS Charges from customer Finacle
is an InterSOl
Transaction.
GST on NEFT/RTGS Charges from POSB a/c
customer
If Customer walks into other Office for availing NEFT facility through PO
Counter, accounting entries will automatically involve RSAO-InterSOl CBS and
revenue with GST will be accounted at the transaction initiating SOL.

System
PAO, Delhi
866100140360000 878200121010100 postin
Profit
NEFT outward payable pool account Intersol CBS g
centre
(PAO Delhi Profit Centre) (PAO Delhi Profit throug
Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 9 of 20
 Centre) h
Integr
ation

(A/c PO Profit Centre) 800100101010000

POSB (1981)
(A/c PO Profit Centre) Profit
centre of
120100200250000 REVENUE 800100101010000 the post
EARNED THROUGH NEFT/RTGS IN POSB (1981) office
CBS NEFT Charges (A/c PO Profit Centre) concerned
With RSAO
(Txn PO Profit Centre) entries, if
applicable
86610010161**** GST ON 800100101010000
FINANCIAL SERVICES GST Liability POSB (1981)
(Txn PO Profit Centre) (A/c PO Profit Centre)
If Customer walks into other Office for availing NEFT facility through PO
Counter, accounting entries will automatically involve RSAO-InterSOL CBS and
revenue with GST will be accounted at the transaction initiating SOL.

Inward Transactions are those transactions where the POSB Customer

account is credited amount from other Bank

PAO , Delhi
NEFT Inward receivable Inter SOL CBS SOL
pool Account PAO Delhi SOL ID ID(11005499
(PAO Delhi SOL ID (11005499) ) System
11005499) posting in
A/c SOL ID Finacle
Inter SOL CBS (A/c SOL ID)
(A/c SOL ID)
PAO, Delhi
866100140360000 878200121010100 Profit centre
IPPB POOL ACCOUNT
FOR NEFT/RTGS Intersol CBS System
(PAO Delhi Profit Centre) (PAO Delhi Profit posting
Centre) through
- Profit centre Integration
878200121010100 800100101010000 of the post
inter SOL CBS POSB (1981) office
(A/c PO Profit Centre) (A/c PO Profit Centre) concerned

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 10 of 20

 In case of the Inward Transaction, if the POSB Account could not be
credited for any reason, it is treated as Inward Return

NEFT Inward Return

NEFT Inward receivable pool
receivable pool account
Account
PAO Delhi SOL ID
(PAO Delhi SOL ID 11005499) PAO Delhi System
11005499)
SOL ID posting in
(11005499) Finacle
NEFT Inward Return NEFT outward payable
receivable pool account pool Account
(PAO Delhi SOL ID (PAO Delhi SOL ID
11005499) 11005499)

866100140360000
866100140360000 System
NEFT Inward Return
NEFT Inward Receivable posting
receivable pool account
pool account through
(PAO Delhi Profit
(PAO Delhi Profit Centre) Integration
Centre)
PAO, Delhi
Profit centre
866100140360000
866100140360000 (NEFT Outward Payable
NEFT Inward Return Pool A/c) IPPB POOL
receivable pool account ACCOUNT FOR
NEFT/RTGS
(PAO Delhi Profit Centre) (PAO Delhi Profit
Centre)

When the Inward Return is rejected by IPPB due to non compliance of return
timeline (Batch+ 2 hours), an automatic outward message is created with the
following accounting entries

When
NEFT outward payable NEFT Inward Return Inward
pool Account receivable pool account return is
(PAO Delhi SOL ID (PAO Delhi SOL ID rejected by
11005499) 11005499) IPPB
System
When
posting in
System
Finacle
NEFT Inward Return NEFT outward payable creates an
receivable pool account pool Account outward
(PAO Delhi SOL ID (PAO Delhi SOL ID message for
11005499) 11005499) inward
return

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 11 of 20

 866100140360000 (NEFT
866100140360000
Outward Payable Pool
NEFT Inward Return
A/c) IPPB POOL
receivable pool account
ACCOUNT FOR
NEFT/RTGS
(PAO Delhi Profit
Centre) System
(PAO Delhi Profit Centre)
posting
through
866100140360000
Integration
866100140360000 (NEFT Outward Payable
NEFT Inward Return Pool A/c) IPPB POOL
receivable pool account ACCOUNT FOR
NEFT/RTGS
(PAO Delhi Profit Centre) (PAO Delhi Profit
Centre)

When
Outward
NEFT Inward return fails and
receivable pool NEFT Inward Return POSB
Account receivable pool account PAO Customer A/c System
PAO Delhi SOL ID Delhi SOL ID 11005499) is not posting in
11005499) Credited. Finacle
System posting (InterSOL
Accounting
When
NEFT Inward if
Transaction is
Return receivable 800100101010000 applicable)
done through
pool account POSB (1981)
HTTUM
(PAO Delhi SOL ID (A/c PO Profit Centre)
Upload
11005499)

866100140360000
866100140360000
NEFT Inward Return
NEFT Inward
receivable pool account
Receivable pool
account
(PAO Delhi Profit Centre) System
PAO, Delhi
posting
Profit Centre
866100140360000 through
NEFT Inward 866100140360000 integration
Return receivable NEFT Inward Receivable pool
pool account account

(PAO Delhi Profit (PAO Delhi Profit Centre)

Centre)

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 12 of 20

 When Inward
NEFT outward
return fails &
System
payable pool NEFT Inward Return receivable
corresponding
posting
Account pool account PAO Delhi SOL ID
Outward also
in
(PAO Delhi SOL ID 11005499)
failsFinacle
11005499)
(InterSO
L
NEFT Inward When
Accounti
Return receivable NEFT outward payable pool Transaction is
ng if
pool account PAO Account done through
applicabl
Delhi SOL ID (PAO Delhi SOL ID 11005499) HPORDM
e)
11005499)

866100140360000
(NEFT Outward
Payable Pool A/c) 866100140360000
IPPB POOL NEFT Inward Return
ACCOUNT FOR receivable pool account
NEFT/RTGS
System
(PAO Delhi Profit Centre)
PAO, Delhi posting
(PAO Delhi Profit
Profit Centre through
Centre)
Integrati
on
866100140360000
866100140360000 (NEFT
NEFT Inward
Outward Payable Pool A/c)
Return receivable
IPPB POOL ACCOUNT FOR
pool account
NEFT/RTGS
(PAO Delhi Profit
(PAO Delhi Profit Centre)
Centre)

(i) – Clearing suspense accumulated under Outward / Inward

Pool Accounts with the IPPB Settlement Account on a daily basis.
(ii) Updating the “Balances with IPPB” Head of Account after
reconciliation

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 13 of 20

 NEFT outward payable NEFT Inward receivable
pool Account pool Account
PAO Delhi SOL ID PAO Delhi SOL ID
(11005499) (11005499)

NEFT Inward Return Manual

receivable pool account posting in
PAO Delhi SOL ID Finacle
(11005499)

NEFT/RTGS settlement Balance with IPPB-

Account NEFT/RTGS
PAO Delhi SOL ID PAO Delhi SOL ID
(11005499) (11005499)

866100140360000
866100140360000
NEFT Inward
NEFT outward payable
receivable pool
pool Account
Account
System
866100140360000 Posting
NEFT Inward Return through
pool account Integration

855301101410000
Balances of DoP in
IPPB-NEFT/RTGS

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 14 of 20

 NEFT outward payable pool
Account
PAO Delhi SOL ID (11005499)
NEFT Inward
11005499NFTIR
receivable pool
NEFT Inward Return receivable
Account Manual
pool account PAO Delhi SOL ID
PAO Delhi SOL ID posting in
(11005499)
(11005499) Finacle
11005499NRIPS

11005499NRIPB NEFT/RTGS
Balance with IPPB-NEFT/RTGS settlement Account
PAO Delhi SOL ID (11005499) PAO Delhi SOL ID
(11005499)

866100140360000
NEFT outward payable pool
Account
866100140360000
866100140360000
NEFT Inward
NEFT Inward Return pool
receivable pool
account System Posting
Account
through
Integration

-855301101410000 Balances of
DoP in IPPB-NEFT/RTGS

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 15 of 20

 Accounting of Charges payable to IPPB and interchange fee payable/receivable to
and from IPPB towards NEFT/RTGS transactions. (Only in PAO, Delhi)

11005499NRTFI 11005499NRIPB Charges and

NEFT/RTGS Balance with interchange fee
Transaction Fee IPPB-NEFT/RTGS paid to IPPB
Payable to IPPB PAO Delhi SOL
PAO Delhi SOL ID (11005499)
ID (11005499) Manual
11005499NRIPB 11005499NRFTI Interchange fee posting in
Balance with NEFT/RTGS received from IPPB Finacle
IPPB- Transaction Fee
NEFT/RTGS Receivable from
PAO Delhi SOL IPPB
ID (11005499) PAO Delhi SOL
ID (11005499)
3030622800- 8855300650- Charges and
3201031010301 85530110141000 interchange fee
28 0 Balances of paid to IPPB
Prof Svcs-Estt of DoP in IPPB-
Small savings NEFT/RTGS System
work in HPOs posting
485530065085 1200250001 Interchange fee through
5301101410000 12010020025000 received from IPPB Integration
Balances of DoP 0
in IPPB- REVENUE
NEFT/RTGS EARNED
THROUGH
NEFT/RTGS IN
CBS

11005499NRORL 11005499RMTBK Manual postings

PAO Delhi SOLID Remittance to bank in finacle
Operational Risk loss A/c
clg PAO
11005499NRWOL 11005499NRORL Delhi SOL
Write of loses in
PAO Delhi SOLID ID
NEFT/RTGS TransactionsOperational Risk loss
A/c
4866103296 8867700241- PAO
866100140360000 867700102010000 Delhi System posting
(Operation risk loses Remittance to bank Profit through
A/c) clg Centre Integration

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 16 of 20

 3030646400- 8866103296
320103101030164W/off- 866100140360000
Estt of Small savings (Operation risk loses
work in HPOs A/c)
The term operational risk is defined that in exceptional situations due to any technical
issues, any loses made to DoP has to be booked. The following accounting procedure may be
followed to account the loses.

The EoD mismatch amount in exceptional scenarios shall be reconciled by making

manual accounting entries in a separate Finacle Office Account (EoD Mismatch Amount)
mapped to respective NEFT/RTGS Outward Payable Pool Account GLs, as mentioned
below

11005499NFTOP 11005499NREOD NEFT-On the day

(NEFT Outward Payable (EoD Mismatch of mismatch
Pool A/c) NEFT)
11005499NREOD 11005499NFTOP NEFT-On the day
(EoD Mismatch NEFT) (NEFT Outward of matching
Manual
Payable Pool A/c)
posting in
11005499RTGOP 11005499NREOD RTGS-On the day
Finacle
(RTGS Outward Payable (EoD Mismatch of mismatch
Pool A/c) RTGS)
11005499NREOD 11005499RTGOP RTGS-On the day
(EoD Mismatch RTGS) (RTGS Outward of matching
Payable Pool A/c)
4866103290 8866103290 NEFT-On the day
CSI 866100140360000 866100140360000 of mismatch
(NEFT Outward Payable
Pool A/c) IPPB POOL
ACCOUNT FOR
NEFT/RTGS
8866103290 4866103290 NEFT-On the day System
(EoD Mismatch NEFT) (NEFT Outward of matching posting
866100140360000 Payable Pool A/c) through
866100140360000 Integratio
4866103293 8866103293 (EoD RTGS-On the day n
(RTGS Outward Payable Mismatch RTGS) of mismatch
Pool A/c) 866100140360000
866100140360000
8866103293 (EoD 4866103293 (RTGS RTGS-On the day
Mismatch RTGS) Outward Payable of matching
866100140360000 Pool A/c)
866100140360000

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 17 of 20

 The following activities shall be carried out by the Nodal PAO, Delhi

1.

To facilitate NEFT Transactions for POSB Customers, funds are to be

maintained in the IPPB Settlement Account with IPPB. Outward & Inward
Transfers for NEFT/RTGS Transactions are done through the IPPB Settlement
Account on a daily basis from the funds available. PAO Delhi operates
Government Drawings Account, Government Remittances Account and SBI
Current Account for fund management.

(a) Maintains adequate balances in SBI Current account to replenish funds to IPPB
Settlement Account as per requirement.
(b) Timely Liaison with IPPB for maintaining adequate balance in IPPB Settlement
account
(c) Transfer funds to IPPB Settlement Account as per Directorate instructions and
within the specified thresholds.
(d) Liaise with SBI for any issues with the operation of SBI Current Account through
CMP

(a) Apart from the auto posted transactions in Finacle, manual entries as
mentioned in the SAP are to be posted in Finacle on a daily basis
(b) Expenditure on Outward & Inward Transactions payable to IPPB are to be
accounted in Finacle
(c) Expenditure on Outward Transactions payable to other banks through IPPB is
to be accounted in Finacle
(d) Revenue from other Banks for Inward Transactions receivable through IPPB is
to be accounted in Finacle
(e) EoD Mismatch Accounting in exceptional scenarios
(f) Reversals of transactions, if any, under exceptional circumstances upon
confirmation from the relevant sources (IPPB/CBS-Finacle Reports etc.,)

(a) A daily Accounting Sheet shall be maintained by PAO Delhi as mentioned in

Annexure-1
(b) The accounting sheet shall be prepared after verifying and reconciling the
figures based on the reports and approved at appropriate level at PAO, Delhi
(c) The approved accounting entries are to be posted in Finacle to make final
settlement
(d) Liasion with NEFT/RTGS Nodal Operations team at Bengaluru for any issues in
accounting / reconciliation

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 18 of 20

 (a) Obtain monthly GST Invoices for the expenditure incurred by DoP payable to
IPPB
(b) Obtain monthly GST Invoices for the expenditure incurred by DoP payable to
Other Banks, through IPPB
(c) Monthly GST Invoices for the revenues received from other banks
for Inward NEFT/RTGS through IPPB
(d) File all applicable GST returns for the collections / TDS made for NEFT

(a) Daily detailed reports from IPPB on Inward / Outward NEFT & Transactions
(b) Daily Batch-Wise Summary Report from IPPB on Inward / Outward NEFT
Transactions for reconciling with CBS-Finacle report
(c) Daily detailed reports from CBS-Finacle on Inward / Outward NEFT
Transactions
(d) Daily Batch-Wise Summary Report from CBS-Finacle on Inward / Outward NEFT
Transactions for reconciling with IPPB report
(e) Daily Accounting Sheet prepared manually before posting in Finacle
(f) Daily Accounting Report prepared manually before posting in Finacle
(g) Daily Accounting Report generated from CBS-Finacle after posting the entries
(h) Daily Transaction Report of IPPB Current Account (Settlement Account) for
reconciliation of balances
(i) Daily transaction report of SBI Current Account for reconciliation of balances
(j) Relevant Scrolls of Government Drawings / Remittances Account of PAO, Delhi
for the day of transactions reflected in these Accounts
(k) Soft copies of large reports / data to be preserved date-wise grouped by month
and Financial Year

1. Verify that no entries are reflected in the respective GLs related to NEFT
under 8661 in their Circle, on a daily basis
2. Verify that no entries are reflected in the respective GLs related to NEFT
under 8553 in their Circle, on a daily basis
3. If any entries are seen in the above GLs in their Circle, immediate action
to be taken to get it rectified and intimate Nodal PAO, Delhi

1. Revision of Accounting procedure, if any, as per

requirement and communicate to stake holders
2.
Budget Allotment to PAO Delhi as per requirement projected by FS
Division for daily expenditure & Operational Risks.

Standard Accounting Procedure for NEFT Transaction_17-05-2022 (PAF Wing) Page 19 of 20

17. ROLE OF FS DIVISION

l. Liaison between Dop, rppB and FSt for ail operationar and technicar
matters / issues
2. Facilitate required reports from lppB to pAo Delhi for accounting &
reconciliation
3. Facilitate required reports from cBS-Finacre
to pAo Derhi for accounting
& reconciliation
I
4. Ensure Customer Grievance redressal for I
i
NEFT technical/operational I
issues
I
5. Timely updation of information on changes t
in NEFT processes in CBS- t
/
Finacte IPPB (or) any instructions from
RBI MoF on NEFT/RT65 with / ,
!
all the stake holders for necessary action I
6. Projection of required funds to Budget Division
for incurring expenditure I
for NEFTcharges payable to rppB and other Banks, for t
allotment to pAo, i
Delhi t
t
7. Ensure receipt of monthly CST invoices for the expenditure from lppB for t

their charges & from other Banks for tnterchange Fee. t

through lppB I
,I
B. Ensure necessary sanctions for the expenditure
against the monthly GST I
I
lnvoices towards payment of charges to lppB
& lnterchange fee to other
Banks
9. write-off approvars in case of operationar Risks and budget projection
to
settle the operational risks expenditure.

This issues with the approval of Sr. DD6(PAF)

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 SB Order No. 09 I 2022
FiIe No. FS' 10/8/2022'FS'DOP
Government of India
Ministry of Communications
Department of Posts
(F.s. Division)

Dak Bhawan, New Delhi - 110001

Dated: 02.06.2022
To
All Head of Circles / Regions

Subject Execution of IIACINT menu in Finacle CBS and amendments in

Rule 61(3) and Appendix-XVl of POSB CBS Manual (Corrected up
to 31.12.2021) - Regarding.

HIARM menu in Finacle is executed by SBCO for making adjustment in

the balances and interest in the accounts of SBA Type viz. POSA / PPF / SSA
and NSS-87192, due to any reason like correction in the opening balance, wrong
interest calculation, restoration of balance in fraud cases etc. on the basis of the
orders of competent authority.

2. After making entries in HIARM menu, execution of HACINT menu in

Finacle is mandatory for getting the ledgers of the accounts concerned updated.
Besides, in case of closure of PPF Loan account, the loan interest is calculated
using HACINT menu. HACINT menu is presently being executed at CEPT,
Chennai on the basis of requests from the Postmasters.

3. Considering the increase in number of HIARM entries and practical

difficulties faced in execution of HACINT at CEPT, Chennai, it is proposed to
decentralize HACINT menu will be executed to the CPC In-Charge of CBS'CPCs
in the Circle with effect from 3'd June, 2022.

4. Necessary training to the staff of CBS-CPCs has been provided by CEPT,

Chennai on 13.05.2022. A detailed Standard Operating Procedure for execution
of HACINT menu at CBS'CPCs level is circulated herewith for guidance to CBS-
CPCs.

5. In'charge, CBS'CPCs shall file the copies of the orders received in

connection with the corrections made through HIARM menu, in a guard fiIe.

6. CEPT will provide the access to HACINT menu to CPC In'charge role
users.

7. Provisions of RuIe 61(3) of POSB CBS Manual (Corrected up to

31.I2.202t) circulated through SB Order No. 0312022 dated 18.02.2022 is
accordingly amended. The texts of the amended provisions are given below.

2
 t2t
Rule / Para No. Text of the Ameaded provieions
Rule 61 (3)G) For Debiting / Crediting the balance, SBCO can adjust the
and Para 5(iD(a) balance / interest by making suitable correction in HIARIVI
of Appendix'XVl by entering amount to be adjusted along with interest
calculated till the end of Financial Year, select Debit / Credit
Interest as "D - Debit or C - Credit", Select Run indicator as
'C - Credit' & Applicable From Date as on'01'04'xxxx' (xxxx
denotes frnancial year). A single entry in HIARM will suffrce
for crediUdebit, after which In'Charge of CBS'CPC will
execute HACINT based on HIARM entries.

Rule 6r (3)(iiil The effect of adjustment entry will be applicable after

running of interest using HACINT menu, on this account.
Postmaster of HO will send email to the Circle CPC
concerned from Official email id mentioning the details of
correction for updation of balances. Scanned copy of the
orders of Director GPO / Divisional Head / Sr. Postmaster /
Chief Postmaster as the case may be should also be attached
for reference.

Para 5(iiil(c) of Postmaster of HO will send email to the Circle CPC

Appendix'XVI concerned from Official email id mentioning the details of
correction for updation of balances. Scanned copy of the
orders of Director GPO / Divisional Head / Sr. Postmaster /
Chief Postmaster as the case may be, should also be
attached for reference.

8. The entries / corrections made through HIARM menu are updated in the
ledgers of the accounts concerned as "Consolidated fnterest PaStment". Hence, it
should be ensured that HIARIM menu in Finacle is sparingly used at Head Post
Offrce level.

9. This may be circulated to aII the Offices for information and necessary
actions.

10. This is issued with the approval of competent authority.

EncI: As above.

(TC
Asst (s8.I)

3
 l3l
Copv to:'
1. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co'ordination)/Member (Bankins)fl\flember (O)/IVIember (P)/
Member (Planning & HRD)A{ember (pl,t)nnember (TecD/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate I PLI Directorate
6. Sr. Deputy Director General (Vig) 8. CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs.
8. Director Genera1 P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ AII Deputy Directors General
10. AIl General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. AII recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA), NS'II Section, North Block, New Delhi.

14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi-110002
15. GM, CEPT, Mysuru - for uploading the order on the India Post website.
16. Guard File
a

(t
Asst. GB.I)
 Steps to be followed for effectins PrincinaUlnterest Adiustment in Finacle
throueh HACINT Menu

HIARM menu in Finacle is executed by SBCO for making adjustment in the balances
in the accounts of SBA Type viz. POSA / PPF / SSA and NSS-87192, due to any reason like
correction in the opening balance, wrong interest calculation, restoration of balance in fraud
cases etc. on the basis of the orders of competent authority.

The entries made in HIARM will get updated in the ledger of the accounts concerned
only on execution of HACINT menu or at the time of closure of the account. Besides, in case
of closure of PPF Loan account, the loan interest is'calculated using HACINT menu. At
present, after making entries in HIARM menu, HACINT menu is executed at CEPT,
Chennai. This activity is decentralised to Circle CPCs from 03.06 .2022 and the procedure to
be followed by CPCs are detailed below.

Roles at Head Post Office Level

(A).

1) Incorrect entry in HIARM is one of the reasons for non-credit of Consolidated Annual
Interest in SB/PPF/SSAA{SS Accounts during the previous financial years. Any Interest
Adjustment Rectification (IAR) entry made in HIARM will appear in audit entry against
respective SB/PPF/SSAA{SS account in HAFI menu. Hence, while making IAR entry in
HIARM menu, it should be ensured that correct account number is updated.

2) ln case of any wrong entry made in HIARM, SBCO official concemed can delete such
entry by ticking Del Flag and giving Submit.

3) Transaction Date and Transaction ID will get updated in the accounts only during End of
Year (EOY) or on execution of HACINT menu in Finacle.

4) There should be no verification pending for modification in SB/PPF/SSAAISS Accounts,

otherwise Annual Interest credit won't happen for which, IAR should not be made.
Hence, it should be ensured through HAFI menu before executing of execution of
HIARM menu.

5) Amount entered in HIARM should not be a negative number. If the amount entered in
HIARM is in minus figure, it will not get effect.

6) HIARM entry is auto-verified. It can also be modified any time before interest batch
(HACINT) is executed. AII the fields are modifiable.

SOP on HACINT (SB Order No. 09/2022) Page 1 of 6

Roles at CBS-CPC Level

Access to HACINT menu in Finacle will be available to CPC Incharge role users.

(B).

1) There is no need to run HACINT menu separately in the following cases.

a. Whenever HIARM is suggested for TDA type of accounts for adjustment of

interest paid in claim closure cases where a MIS or SCSS Account is already
matured.

b. If SB/PPF/SSAAISS account concemed is proposed to be closed, as entry updated

in HIARM will get effect automatically at the time of closure. Post Offices should
ensure that 'Apply current year interest' checkbox is selected in account closure
menu; else HIARM entry or changes in HINTTM will not get applied during
closure.

2) Cross-checking HIARM entries with the approval memo: Before execution of

HACINT menu, the Supervisor / In-Charge, CPC concerned should cross check the
entries in HIARM menu with the scanned copy of the orders of Divisional Head or
Director GPO or Gazetted Postmaster, received from Postmaster of HO concerned.

Process of checkins HIARM entrr

i). Invoke HIARM- Inquiry option

ii). Check if the amount mentioned in the memo is entered correctly or not
iii). Run indicator should always be ooC"

iv). Debit/Credit Interest should be C if the IAR amount is to be credited to the account;
Debit/Credit Interest should be D if the IAR amount is to be debited from the account
v). Applicable From Date should be starting date of ctrrent financial yeal 01104/xxxx
(Eg 0U0a12022). Any adjustment (balance & interest) should be calculated till last
financial year 31/03/xxxx (Eg. 3U0312021); else posting of interest using HACINT
will not provide the expected result.
vi). Amount in HIARM should be a positive number.

3) Checking interest posting status of the account: Before execution of HACINT menu,
the Supervisor / In-Charge, CPC concerned should check the interest posting status in the
account concerned by invoking HAITINQ menu as follows.

D. Invoke HAITINQ

SOP on HACINT (SB Order No. 09/2022) Page 2 of 6

ii). Interest Calculated up to Date and Last Interest Accrual Date (highlighted in the
below screen) should be lesser than or equal to the applicable date entered in HIARM
menu.
Arc. lnt rr.t D.nllr

AreD' W x1"1 'ta ffi

AE llm M4irFrp
q,tsl
=el
htscnAfi.(tr.) 0.00 lnreoil Ant (c1.) r,E2,170.00
Tord lrtsrEl unp.E 0.00 lnt nt{ C!lc{Li!r, [p to tliE (Cr.l ?143-2821
blm.t Cdcuhid |0 to I!.t3 llf.l t1-tr-1991 Llrl lot r.n nm Dtlr lcr,, 02-0+2021
L[t hbBlt tun m. (Di] 01-0$2011 llcxt lnbmt Crlcrddbn thlr (Cr,l 3l-412022
}lst ltrlsBt Cd,sd.6otr D.tr (t}.l lnLoil Crlc[hllm FBqrmc, (CLl Y/,!ftlf,l
hbrcrt Cdc1llrt6 Froqr.oc, (If,, tn,oiuat lllhrort Acciued (Cr,, r,82,170.35
rrLr.C Aennd (Onl 0.00 AE6d P0!l lniTcl 0.00
AdveeCCY lrbE.t goold (cr., 1,82.170.00
hhnil EooLcd (Or.l 0.00 Lln lnbr.rt Affil O!t8 (Cr.l 3r-0!202t
Lut hhrrrt Aocnd Dab tor.) t1- t r-199r Lat Arul nun D.h (CLl 024+2021
L!.lAmlftun Orb (&J 01-txl-2014 LBt ltrlmrl gooh.d t).b (CLl 3143-202'
trllnt l}!t |Ilf,)
Dtt Bodr.d tr-fl-r991 Lat8od( Run Drtr (Cr,l 02{4-202r
Llrt Boot Ruo Drb (IXJ 01{$.2014 TEosrs[ lBlmil Crulil Amt. 0.00
Traffillrlat nttDrDtamL 0.00 Trandar llln, Bdaoca Ant 0.00
TNNIU TIN. g'hE DIE lntaGrt Elrlup ffiffi',
".sK]l

4) Checking Interest application before interest posting: The Supervisor / In-Charge

CPC concemed should check the interest application before posting the interest in the
accounts concerned as follows.

i). Invoke HCCS and go to the account SOLID

ii). Invoke HACINT and enter the following
l. 'Set ID' will be the same as Account SOL ID
2. Enter a value in 'Report To' field (For eg: PM)
3. Enter 'From A/c ID'.; 'To A"/c ID.' will be auto'populated
4. 'To Date' should be entered as l't April only (Eg. 0l-04-2022)
5. 'Transaction Value Date' should be the same as 'To Date'
6. Post transaction flag should be selected as'No'
7. Frequency Based Interest Run should be selected as 'No'
8. Debit/Credit Interest should be selected as 'Both'
9. Remaining fields should be left with default values and no chanses are to be made
10. Click on Submit

iii). Check HPR for success report/failure report. In 'Interest summary details', against
olnterest Adjustment' field, IAR amount will be shown. If amount is to be debited,
amount will be displayed with minus sign. As HACINT is executed for IAR amount
olnterest
application, all other fields except Adjustment' field will have zero values as
shown below.

SOP on HACINT (SB Order No. 09/2022) Page 3 of 6

 IBTENEST SU}'HAR.Y DEIAII.S

TYPE OF INTEREST il{ou}rr

flornal llrtcrcJt 0.000000
Penal Interest g
Ovcr0ue fntelcst o
Additional Intcrcst B
QIS Intcrelt 0
Stock Intcrest u
IntereEt on Reea1cu1erion U
Interest Adjust![cnE -1, 02,133.00
EtithHol.di.ng Tax lsount

TSI}I. IHT EOR ACCOI'NT -1.,02,133. O0oOqO

INTEAEST SI'!'HARY DETAII.S

TYPE OE !$TERESE It10lrNT

Normal Intercst 0 .000000

Praal Intelcst
OvaEDue flltcxcat.
Addltlotral latc!.st 0
QIS Intcrest
SEoak tnt€.rest
IrrEa.tcst,on Racalcu1a?Lsn 0
Intereat IdJurtncBt . 9{0. 00
$iEhfloldLng ?ax Amunt o

TOT}I IlT TOR ACCOI'IE ?. 9e0 .000000

iv). If the details shown in HPR report are correct, then the Supervisor / In-Charge CPC
should proceed with posting of interest. Otherwise, check the report in HPR to find
out which field was entered incorrectly, instead of the prescribed values.

5) Posting interest using HACINT: The Supervisor / In-Charge CPC concerned after
checking the interest application and after ensuring NIL discrepancies should proceed for
posting of interest as follows.

i). Invoke HCCS and go to the account SOLID

ii). Invoke HACINT and enter the following.
1. 'Set ID' will be the same as Account SOL ID
2. Enter a value in 'Report To' field (For eg: PM)
3. Enter'From A/c ID'.; 'To A./c ID.' will be auto-populated
4. 'To Date' should be entered as l't April only (Eg: 0l-04-2022)
5. 'Transaction Value Date' should be the same as 'To Date'
6. Post transaction flag should be selected as 'Yes'
7. Frequency Based Interest Run should be selected as 'No'
8. Debit/Credit Interest should be selected as 'Both'
9. Remainins fields should be left with default values and no chanees are to be made
10. Click on Submit

SOP on HACINT (SB Order No.09/2022) Page 4 of 5

iii). Check HPR for success report/failure report and then check by invoking HACLI to
view transaction.
iv). If interest entry is not created, check the report in HPR to find out which field was
entered incorrectly, instead of the prescribed values.

A'6

tdro * nrpmTo t :s

ccY lnpst f[a xm

Fr6 rc,l0
t& lr|.iA+t;i.tiijiti!
TO A/8. ID
SHs'"j:r-'.:,'.J.':+r:ti:
Fm 6L suth...l Corr. To Gmnl Lldor Slrbtald coda
Fm Schac Cod. To Sctrm Cod.
FMlhb To DaD
*
FM CIF l0 lD
To CIF
' i, i.i
S.tw Trp. Trcn{dlotr V!tu lr{a

PdTm{Efoo r O;Yo CNo F[$rmc, g.Dd lrL[rt Rm r OYr 0tio

OrfUCrrAt nllcrt t * oettt t ttc,tc onk C crcdt litecsr onty'S Eour Ad {oclodr i * na Xm - Specmgd Perlod Or{y
e) Rotutrtr hterot rmorrry.
!
Pmlhlrdl&tli S, Pdnt O.t ild Rrpod cbd ah ' €.)Eldud. +|mldr +only
{) PAnt mly Summery ot lntdBl R.pon
C No lmnrr R.fort R.q*.d
LPA arc. ' lirErclsd. Ci!nd!d. {ionty ol..bLd i
AJc. ra:r Erdud. {; hdrd. i:-;onty
Irdm.tArq r SErdd. 0lnctud. -+ody Froan A/c,
r rlexcrror *) tnOuAc i.iOnty
Boo*lng F6 Ras$l i. Ya! :'lNo Prin{ lnbr..t Advktr * OYq ltlNo
ProddG@p -*-*_--""_._!{i

i.S4!:llil 01.0,1.202, 63,721.00 Or 6,r5"627.00 3r-0t-2021

. gr.oo.:ozr *t,r05,00 ct G,?g,3ao.o0 cr conrolld.tld lntar.tl Paymrnt
a4:(t&"-2]-? !.] 24-08-2020 12,000.00 e. 6.14.544.00 Cr t{ORtlAL COilTRIBUTIOf,

6) Interest calculation using HACINT for PPF Loan Account: In case of request for
calculation of interest for closure of PPF loan account, the Supervisor / In-Charge CPC
should invoke HACINT menu and proceed for calculation and posting of interest as
follows.

D. Use HCCS and go to the account SOLID

ii). Invoke HACINT
1. 'Set ID' will be the same as Account SOL ID
2. Enter a value in 'Report To' field (For eg: PM)
3. Enter PPF Loan A/c in 'From A/c ID'.; 'To A"/c ID.' will be auto-populated
4. 'To Dateo should be entered ap Current BOD Date (Todav's Date)
5. oTransaction Value Date' should be the same as oTo Date'
6. Post transaction flag should be selected as 'Yes'
7. Frequency Based Interest Run should be selected as 'No'
8. Debit/Credit Interest should be selected as 'Debit Interest onlv'
9. Remaining fields should be left with default values and no chanses are to be made

SOP on HACINT (SB Order No. 09/2022) Page 5 of 6

 10. Click on Validate to ensure scheme type is displayed correctly for the account as
ODA; this will help in cross-checking that loan account id is entered and not the PPF
account itself.

11. Click on Submit

iii). Check HPR for success report/failure report and then check HACLI to view
transaction.
iv). If interest entry is not created, check the report in HPR to find out which field was
entered incorrectly, instead of the prescribed values.

7) Other important points: The Supervisor / In-Charge, CBS-CPC should ensure the
following points on performing the task of HACINT execution.

i). If From A/c. ID or To A/c. ID is left blank, then interest posting will
happen for all
accounts in the SOL for the range of accounts starting from Account entered in From
A/c ID or ending with To A/c ID.

ii). To Date and Transaction Value Date is Current BOD (Begin of Day) by default; if
this is not changed to l't April, interest will be calculated up to previous month end
(Eg: If done in Sep-21, interest will be calculated up to Aug-21) and posted along
with IAR entry. This will result in excess payment of interest during end of the
financial year, as the IBB will get increased to the effect of interest amount getting
posted on current date.

iii). Reversal option is not available for any incorrect posting done using HACINT menu.
Hence, due attention should be paid for each account & each step in the process.

ir). Without checking ledger balance in HACLI menu, HACINT should not be initiated
once again. In case of any failure, report generated in HPR must be checked by CPC.

v). HACINT related activities should be carried out before 1500 Hrs i.e. before the
commencement of EOD process in post offices.

SOP on HACINT (SB Order No. 09/2022) Page 6 of 6

 SB Order No. 06 / 2022

F.No. FS' 14/3/2021-FS'DOP

Govt. oflndia
Ministry of Communications
Department of Poste
G.s. Divigion)
Dak Bhawan, New Delhi- 110001
Dated: 20.06.2022

To
All Head of Circleg / Begions

Subject: Printing and Supply ofAAR Books, ASLAAS-5 Cards and POSB
Cheques by Department of Posts - Reg.

Sir / Madam,

This has the reference to SB Order No. 06/2022 dated 01.04.2022.Inpara

X (4) of the Standard Operating Procedure (SOP) circulated in the aforesaid SB
Order, it is mentioned that a Standard Accounting Procedure (SAP) will be sent
separately. Accordingly, the detailed SAP ieeued in File No. PNCSAOS|L35|2022'
23 dated 03.06.2022, for printing and eupply of AAR Books, ASLAAS-5 cards and
POSB Cheque booke hae been received from PAI wing and the same ig attached
herewith ae Annexure - A.
2. The upper limit on the expenditure for the above said task is fixed by
Ministry of Finance and accordingly the limit on the expenditure to be made by
each Postal Circle during the Financial Yeat 2022 - 2023 is provided in the
Annexure - B. Circles should ensure that the expenditure is restricted to the
Iimit fixed and if any additional budget is required, it may be sought for from
this Division.

3. Further, in this connection, in order to monitor the expenditure in this

Division, Circles are requested to submit a quarterly report to Directorate on the
frrst week of every July, October, January and April for the quarters ending
June, September, December and March every year respectively. The prescribed
'
format for submission of quarterly report is attached as Annexure - C.

2
 t2t

4. Circles / Regions are requested to take necessary actions in this regard and
this order may be circulated to all the offices concerned.

5. This is issued with the approvat of DDG (FS).

Encl: As above.

(T.C
Assistant (SB.I)

Coov to:'

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Poetal Services.
3. PPS/ PS to Adill. DG (Co'ordination)/Member (Banking)/Member (O)/Member (P)/
. Member (Planning & HRD)/lVIember (PLI)/Member (TecD/AS & FA
4. Adfl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General Nig) & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA i CGM, CEPT / Directors of aII PTCg.
8. Director General P & T Gudit), Civil Lines, New Delhi
9. Secretary, Postal Services Board./ All Deputy Directors General
10. AII General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civrl), Postal Directorate

12. All recognized Federations /'Unions / Aesociations

13. The Under Secretary, MOF OEA, NS-II Section, North Block, New Delhi.
14. The Joint Dfuector & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002.
15. GM, CEPT, Bengaluru - for uploading the order on the India Post website.
16. Guard File

(r.c.
Assistant (sB-r)
I

p s s
a F

,,:,,
FIle,No. !
Dated :
3

4
 l stEtionerier llke

by

rcqtlired.

(I) HeEd Of Agqqr,ltf

prinfing of AAR

f.No.

., ,2,

CL. HBV
4. 867.0m10?oIq@ HOA. Existing
 3

,fatdt
of c{r$
:1, r. i ' :' ''l
l :'" : :
: ' ''

- ,1"']
':.'

,Gentre, of
ttre StD,
,.@tleefned
: : ,,,,

lulat
appllcable

5. FAYM*NT Or CQST OF PRINTIN6 TO\)UAfiDi l S-5,CARDS

tentr€ Of
the PSD
comernd
Csst of

.:".:
 --.-i^.w.ltFs-*

, ,. ,:

or .FRluf !N6 T.QiloqARDf

FOfB
TDJ ar
applicable

10F-hile making the psyments, dedufrion in r$pect oJ GST TDS and IT TD$ may be
done ar per the exirting zules,

ROLEs

respeqtive 6ts
,{tr) B ..kingto:be done within th€ lirnit altotted forrhe cirqlq.
(ft,l) File IT I
GgI TD$ Returns
{rv} Maintain prspsr,.retrortr and regirters.
{VJ Roles as deflned in the SB Ord€r No: 06/2022
:,,,
:

Role of Clrcle PAOs:

, , ,,, j

(I,}
::,

, Emrure that booking ir done:separetely,for each ty:pe oJ iterrn

prlnted. ,

(ti; ,, Monitof that expehdlture limit: allotted ,for tfie drcle- it,ngt:cro$sed and in
eo*e of anY,d[rcrepancyr b,rlng lt to the notice of thE 6FMG
,:
9.

,,
..:1,.1',l :rii :::'::,:,.,i
....: :':i" ::i:r
.

.,,f.|
:'ii .: :l I : .t : :: r: .,:
-,
,. i]
:,.;

,,, "wt, of Econornlc

rhe demand lf'any.
:.'
Thls lrsu$ Wit tne aPProvat of lr. DD6{PAF)

:
. ,:r i:,
l
 l,r. No. f'S' f 4lglZOZ f 'fS'OOp a"t"ffi
Limit on expenditure to be incurred towards printine and supply of AAR Books.
ASLAAS-5 Cards and POSB Cheque books for Financial Year 2022-2023

S. No. Circle Upper Limit in Crore t

1 Andhra Pradesh t.20
2 Assam 1.00
3 Bihar 1.00
4 Chhattisgarh 1.60
5 Delhi 1.00
6 Gujarat 3.50
7 Haryana 1.00
8 Himachal Pradesh 0.70
I Jharkhand 1.00
10 Jammu & Kashmir 0.80
11 Karnataka 1.70
t2 Kerala 2.80
13 Madhya Pradesh t.75
t4 Maharashtra 3.00
15 North East 0.50
16 Odisha 5.70
t7 Punjab L.50
18 Rajasthan 2.00
19 Tamilnadu 2.50
20 Telangana L.25
2L Uttarakhand 2.00
22 Uttar Pradesh 10.00
23 West Bengal 15.00
Total 62.50

(t
Assistant (SB.I)
 Annexure - C
Lr. No. FS'14/3/202I'FS'DOP dated 20.06.2022

Quarterlv Report ou expenditure to be incurred towards printing and supply of

AAR Books. ASI"AAS'5 Cards and POSB Cheque books

Financial Year : 20 '20 Quarter:

(r /II/m /IV)

Name of the Circle:

Total
Expenditure
Expenditure Expenditure Balance
Upper incurred up to
incurred during during the available
Limit in ( previous
( Financial Year lirnit in (
( the quarter in
quarter in
in(

Signature of Head of Circle

FiIe No. Dated

To
The Deputy Director General (FS & PBD
Postal Directorate
New Delhi - 110001.
 SB Order No. 1012022

F. No. FS-1 0 I 47 -2021 -F S-OOP

Govt. of lndia
Ministry of Communications
Department of Posts
(FS Division)

Dak Bhawan, New Delhi-l10001

Dated: 24.06.2022
To

All Head of Circles/Regions

Subiect: - Regarding roll out of RICT CBS version 2.O.1in RICT CBS devices from 21.06.2022.

Sir/Madam

New RICT CBS version 2.O.1for RICT devices have been developed and tested. The competent authority has
decided to rollout RICT CBS version 2.01 The roll out of RICT CBS version 201in RICT devices wilt be done from
27 .06.2022 to 13.07.2022

2 The following changes have been made in the RICT CBS version 2 O 1 -

At present for most of the errors faced in RICT-CBS application a common error message "Transaction not processed
due to network issues Please try again" is displayed ln the new version 2.0.1 ,error codesare categorised
and configured, so that indicative error messages are displayed to help field user/ support personnel to identify the
impacted layer for early resolution of issues. List of few common errors configured for the impacted layer are listed
below which would enable DO/Sys admin/PO users to raise ticket with the concerned team No changes have been
made in the existinri applicatiorr functionalities and rn the Transaction Update functionality lf any of the newly
configured error messages are seen durrng a transaction. users can check transaction status in Transaction Update
functional and decide on further action
SNo RICT - CBS - Error description lssue to be resolved by

1 Card issuer rnoperatrve Finacle Team (Env Team)

2 Finacle system error occurred. Please contact system administrator Finacle Team (Env Team)

J Finacle service timed out- Check transaction update Finacle Team (Env Team)

4 FSlwebservrce Server internal connectivity error RICT. CBS

6 Unable to connect to server. Please try again RICT- CBS

6 FSlwebservice- Time Out occurred while connecting to Service RICT- CBS/FINACLE

Error downloadrng https // darpanportal.indiapost.gov.in.T0TOl-server replied

7 Gateway Time-out RSI

Error
downloading https://darpanportal indiapost.gov in:7070/ FsiSyncservice -

I Server replied . server error RSI

Error downloadrng https.//1 72.16.20.64.7070lFsiSyncservice- Server replied -

I server error RSI

10 Strip Biometric service- lnvalid inputs to service RSI

11 ERROR TIMEOUT/Network unreachable Network

3 Circles are requested to follow the following instruction for a smooth rollout of RICT CBS version 2.0.1 in RICT
devices.
 a RSI Team will carry out roll out activities as per schedule attached

b Necessary rnstructions to be given to BPMs for keeping the device powered on the planned rollout date

c. Post successful roll out, BPMs can carry out the regular work.

d. Transactions carried out in the older version will not reflect in Daily Transaction Report (DTR) after the
version upgrade. BPM shall be requested to take DTR if it is required for previous dates before the
version upgrade

4. lt is requested to circulate the roll-out plan for RICT CBS version 2.0.1 to all CBS Post Offices along with RICT
CBS Branch Post Offices for information, guidance, and necessary action and it is to be ensured that all Branch Post
Offices get upgraded to the newer version of 2.0.1 within the strict timeline

5. Hindi version of this order will be issued in due course

6. This issues with the approval of Competent Authority

Enclosed: -
').. Roll-out plan for RICT CBS version 2.0 1

You

(Pun
w-
ADG (FS [)

Copy to:-
1. Sr. PPS to Secretary (Posts)
2 PS to Drrector General Postal Services
3 PPSi PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/ Member (P)/ Member (Planning & HRD)/
Member (PLl)/ Member (Tech)/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr Deputy Director General (Vigilance) & CVO) / Sr Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
9 Secretary, Postal Services Board/ All Deputy Directors General
10 All General Managers (Finance)/ Directors PostalAccounts / DDAP
11 Chief Engineer (Civil), Postal Directorate
12 All Sections of Postal Directorate
13 All recognized Federations / Unions/ Associations
14 GM, CEPT for uploading the order on the lndia Post website
15 MOF (DEA), NS-ll, North Block, New Delhi.
'16 JointDirector &HOD, |CCWBuilding,4Deendayal UpadhyayMarg,NewDelhi-110002
 ROLL OUT PLAN -CBS V2.0,1

Count of
Circle Name Iteration-1 Iteration -2 Iteration-3
BOs
Karnataka
Kerala Circle
22096 27-Jun-22 02-Jul-22 08-Jul22
Telangana Circle
West Bengal Circle
Andhra Pradesh Circle
Assam
Bihar 32255 28-Jun-22 04-Jul-22 09-Jul22
Chattisgarh Circle
Uttar Pradesh
Delhi Circle
Gujarat Circle
Haryana Circle 20921 29-Jun-22 O5-Jul-22 11-Jul22
Himachal Pradesh Circle
Tamilnadu Circle
Jammu Kashmir Circle
Jharkhand Circle
1 8788 30-Jun-22 06-Jul-22 12-Jul22
Madhya Pradesh Circle
Maharashtra Circle
North Eastern Circle
Odisha Circle
Punjab Circle 20326 01-Jul22 07 -Jul22 13-Jul22
Rajasthan
Uttarkhand Circle
 SB Order No. 12 12022
File No. 107'01/2020'SB
Government of India
Ministry of Communications
Department of Postg
G.S. Divieiod

Dak Bhawan, New Delhi - 110001

Datedi 08.07.2022
To
All Head of Circlee / Regions

Subject Amendment to procedural rule in POSB (CBS) Manual / POSB

Manual Volume - Regarding.

Reference: SB Order No. 2112020 dated 21.06.2020.

North East Circle and Karnataka Circle have requested for clarification on
areas of Non-Delivery Branch Post Offices to be covered for consideration of
allowing incentive/commission to Branch Postmasters for opening of T'ime
Deposit accounts in reference to SB Order No. 2112020 dated 21.06.2020.

2. The matter has been examined and accordingly Note 4 under para (A) (1)
of Appendix X in POSB (CBS) Manual (Corrected up to 31.12.2021) and Note 4
under para (1) of Appendix XII in POSB Manua.l Volume - I is amended as
below.

Incentive will be payable to GDS BPMs irespective of the location of Branch

Post Ofrces i.e. whether in rural area or in urban area subject to the following
conditions.

Statue ofBranch Poet Ofrce Conditioa

If
G). the GDS Branch Post Addtess of any one of the depositors falls
Ofrce is a delivery ofrce within the delivery jurisdiction of the
respective GDS Post Ofrce
(D. the GDS Branch Post Address of any one of the depositors falls
If
Ofrce is a non'delivery ofrce in within the delivety jurisdiction of the
account with delivery post olfrce acount ofrce prouided that the address
does aot fall within the delivery jurisdiction
of any other Brunch Post OIfice in account
with the same account ofrce
@. If the GDS Branch Post Addrcss of any one of the depositors falls
Office is a non'delivety office in within the atea uveted by the pinude of
account with non'delivery post the bruach poet ofre anetned provided
office that the address does not fall within the
delivery jurisdiction of any other BO having
the same pincode.
I
 l2l

3. This may be circulated to all the Offices for information and necessary
actions.

4. This is issued with the approval of competent authority.

(r
(SB.I)

Copv to:-
1. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (Co-ordination)/Nlember (Banking)ltvtember (O)/lVlember (P)/
Member (Planning & HRD)iIVIember (PLI)ilVIember (TecD/AS & FA
4. AddI. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General (Vid 8! CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of aII PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ AII Deputy Directors General
10. A11 General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. All recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA, NS-II Section, North Block, New Delhi.

14. TheJoint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi'110002
15. GM, CEPT, Mysuru ' for uploading the order on the India Post website.

16. Guard File

(tc
Asst (SB.D
 SB Order No. 131 2022

F. No. FS-13/7/2020-FS
Government of India
Ministry of Communications
Department of Posts
(FS Division)

Dak Bhawan, New Delhi-l 10001

Dated: 18.08.2022

To,
All Head of Circles / Regions

Subiect: - Regarding introduction of the online account opening and closure through
DOP Internet Banking for National Savings Certificates (VIII Issue) and Kisan Vikas
Patra.

Madam / Sir,

During the auspicious occasion of 'Azadi ka Amrit Mahotsav', the undersigned is

directed to say that online account opening and closure for National Savings Certificates
(VIII Issue) (NSC) and Kisan Vikas Patra (KVP) have been introduced in DOP Intemet
Banking. Now users ofDOP Internet Banking can open and close NSC and KVP online.

2. The option for opening and closing of National Savings Certificates (VIII Issue)
Kisan Vikas Patra is available under the 'General Services' tab of DOP Intemet Banking.
Intemet Banking user should follow the below prescribed procedure for opening and closure
ofNSC/KVP: -

(al Procedure for opening of NSC/KVP: -

. Login into DOP Intemet Banking

. 'General Services'
. 'Service Requests'
. 'New Requests'
. NSC Account - Open a NSC Account (For NSC) and KVP Account - Open a KVP
Account (For KVP)
. Deposit Amount (Enter Amount for which NSC to be opened minimum { 1000 and in
multiple of < 100)
. Debit Account (Select linked PO Saving Account)
. Click on 'Click Here' to read terms and conditions and accept terms and conditions
. Submit online
. Enter Transaction Password
. Submit.
. View,/Download Deposit Receipt.

Page 1 of 3
Note: - (i) Log in again to viewthe details of NSC opened under'Accounts'.
(ii) NSC will be opened in the name of DOP lnternet Banking user and nominee will
be same as registered in linked PO Savings Account.

(b) Procedure for Closure of NSC/KVP: -

. Login into DOP Intemet Banking

. 'General Services'
. 'Service Requests'
. 'New Requests'
. Closure of NSC Account (For NSC) and Closure of KVP Account (For KVP)
. Deposit Account (Select NSC account/KVP Account to be closed)
o Credit Account (Select linked PO Saving Account)
. Submit online
o Enter Transaction Password
. Submit.
. Vie Download Closure Receipt.

Note: - (i) Logout and login again to view the details of NSC closed Accounts.
(ii) NSC/KVP purchased on or after 01.07.2015 (i.e. in the form of passbook) can
be closed under this option.
(iii) NSC/KVP issued prior to 01.07.2016 in the form of savings certificates are to
be closed at the post office concerned.
(iv) lnternet Banking user should check maturity date and maturitv amount in the
closure screen before submitting the request. ln case of KVP, if date of closure
is prior to maturitv date, closure will be treated as premature and closure
proceeds will be as per the Scheme Rule.

3. It isrequested to circulate these instructions to all post offices for information and
guidance. Adequate promotion of this functionality is to be given for the benefit of POSB
customers.

4. Hindi version ofthis SB order will be issued in due course.

5. This issues with the approval ofthe competent authority.

Yours Sincerely,

mTze)L-
(Devendra Sharma)
Asst. Director (SB-lI)

Page 2 of 3
Copy to: -
1. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services.

3. PPS/ PS to Addl. DG (Co-ordination/Ivtember (Banking)/lvlember (O)/lr4ember (p)/

Member (Planning & HRD)/lvlember (Plf/lvlember (Tech)/AS & FA

4. Addl. Director General, APS, New Delhi

5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate

6. Sr. Deputy Director General (Vig) & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs

8. Director General P & T (Audil), Civil Lines, New Delhi

9. Secretary, Postal Services Board/ All Deputy Directors General

10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civil), Postal Directorate

12. All recognized Federations / Unions / Associations

13. The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.

14. The Joint Director& HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhil10002

15. GM, CEPT, Mysuru - for uploading the order on the India Post website.

16. ADG (OL) for information and Hindi Translation of this SB Order.

17. Guard File

Page 3 of 3
 No. FS-101t712020'FS
Govt. of India
Ministry of Communications
Department of Posts
(tr'.s. oivision)

Dak Bhawan, New Delhi - 110001

Dated: 25.08.2022
To
All Heads of Circles

Subject: Verification of High Value Withdrawal of { 10,000i- and above

in Savings Accounts at Branch Post Offices and Single Handed Post
Offices - Reg.

Madam / Sir,

References were received from Punjab, Gujarat and Karnataka Circles

seeking the clarification on verification of high value withdrawal of t 10,000/-
and above in Savings Accounts at Single Handed Post Offices.

2. In this connection, it is clarified that

(il. Verification of withdrawals of { 10,000/' and above at Single Handed Post

Offices has been dispensed with and verification is prescribed only for the
withdrawals in respect of Branch Post Offices, vide SB Order No. 9/2018 dated
t7.07.20t8.
(iil. However, in the latest POSB CBS Manual (corrected up to 31.t2.202L), a
note has been added under Rule 64 as follows.

"It will
be the special responsibility of the Heads of Circle to see that all
the preventive measures / checks are exercised meticulously and every effort
made to nip frauds in the bud. The Heads of Circles are also free to devise any
further special checks they want to carry out in the light of local circumstances.
However, the overall endeavour should be to minimise the incidence of SB frauds
and tone up the Divisional Administrations."

Giil. Accordingly the Heads of Circle are free to devise any special check(s) they
want to carry out in the light of local circumstances as preventive measure to
minimise the incidences of Savings Bank frauds.

3. This is issued with the approval of the Competent Authority.

(tc
Asst. D
 SB Order No. 14/2022

F. No. FS-13/7/2020-FS
Government of India
Ministry of Communications
Department of Posts
(FS Division)
Dak Bhawan, New Delhi-110001
Dated: 30.08.2022
To,
All Head of Circles / Regions

Subject: - Regarding introduction of the online account opening and closure

through DOP Internet Banking for Public Provident Fund (PPF)
Accounts.

Madam / Sir,

In line with providing more digital transaction facilities to POSB customers, the
undersigned is directed to say that online account opening and closure for Public Provident
Fund (PPF) have been introduced in DOP Internet Banking. Now DOP Internet Banking users
can open and close their PPF account online. For more details kindly read FAQ available at
link https://ebanking.indiapost.gov.in

2. The option for opening and closing of Public Provident Fund (PPF) account is
available under the ‘General Services’ tab of DOP Internet Banking. Internet Banking user
should follow the below prescribed procedure for opening and closure of PPF account: -

(a) Procedure for opening of PPF Account: -

➢ Login into DOP Internet Banking

➢ ‘General Services’
➢ ‘Service Requests’
➢ ‘New Requests’
➢ PPF Accounts – Open a PPF Account
➢ Deposit Amount (Enter Amount for which PPF account is to be opened minimum ₹
500 or above in multiple of ₹ 50 upto ₹ 1,50,000/-
➢ Debit Account (Select linked PO Saving Account)
➢ Click on ‘Click Here’ to read terms and conditions and accept terms and conditions
➢ Submit online
➢ Enter Transaction Password
➢ Submit.
➢ View/Download Deposit Receipt.
Page 1 of 3
Note: - (i) Log in again to view the details of PPF Account opened under 'Accounts'.
(ii) PPF Account will be opened in the name of DOP Internet Banking user and nominee will
be same as registered in linked PO Savings Account.

(b) Procedure for Closure of PPF Account: -

➢ Login into DOP Internet Banking

➢ ‘General Services’
➢ ‘Service Requests’
➢ ‘New Requests’
➢ Closure of PPF Accounts
➢ Deposit Account (Select PPF Account to be closed)
➢ Credit Account (Select linked PO Saving Account)
➢ Submit online
➢ Enter Transaction Password
➢ Submit.
➢ View/Download Closure Receipt.

Note: - (i) Logout and login again to view the details of PPF Account closed.
(ii) Only matured account can be closed under this option.
(iii) As premature closure is allowed under specific conditions, for premature closure
kindly submit account closure form, passbook and relevant documents at Post Office
concerned.

3. It is requested to circulate these instructions to all post offices for information and
guidance. Adequate promotion of this functionality is to be given for the benefit of POSB
customers.

4. Hindi version of this SB order will be issued in due course.

5. This issues with the approval of the competent authority.

Yours Sincerely,

(Devendra Sharma)
Asst. Director (SB-II)

Page 2 of 3
Copy to: -
1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.

3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/Member (O)/Member (P)/

Member (Planning & HRD)/Member (PLI)/Member (Tech)/AS & FA
4. Addl. Director General, APS, New Delhi

5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate

6. Sr. Deputy Director General (Vig) & CVO) / Sr. Deputy Director General (PAF)

7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs

8. Director General P & T (Audit), Civil Lines, New Delhi

9. Secretary, Postal Services Board/ All Deputy Directors General

10. All General Managers (Finance) / Directors Postal Accounts / DDAP

11. Chief Engineer (Civil), Postal Directorate

12. All recognized Federations / Unions / Associations

13. The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.

14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi-110002
15. GM, CEPT, Mysuru - for uploading the order on the India Post website.

16. ADG (OL) for information and Hindi Translation of this SB Order.

17. Guard File

Page 3 of 3
 File No. CB-25-4/2015-FS (CBS)
Govt. of India
Ministry of Communications
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi – 110001

Dated : 31.08.2022
To
1. All Head of Circles
2. The General Manager, CEPT, Bengaluru – 560001.

Subject: Refund of RD Default fee due to the unforeseen failure of CBS Finacle
system – Reg.

***

Keeping in view of the problems faced by the RD depositors and MPKBY

Agents due to failure of CBS Finacle system on the last working days in August
2022 and in order to avoid grievances from RD depositors and MPKBY agents, it
has been decided to refund the excess default fee paid by the RD depositors due to
the system failure. The default fee for the month of August 2022 and the excess
default fee collected for the previous months shall be refunded in respect of those
accounts opened during the period from sixteenth day and the last working day of
a calendar month as follows.

(i). Refund of default fee to the RD depositors whose accounts are operated
through MPKBY agents shall be done centrally by CEPT, Chennai. The default
fee collected on 01.09.2022 and 02.09.2022 shall be refunded and credited into the
MPKBY Agents’ commission credit savings account concerned.

(ii) Agents in turn should return the default fee, if collected from the depositors,
to the depositors. They will submit a declaration to this effect to the post office
while submitting their schedules for the next cycle.

(iii). In respect of individual depositors, Circles shall refund the default fee
subject to the conditions stated in para (i) above.

(iv). If any account becomes discontinued account due to system failure and if
any grievance / representation is received from the depositors, Circles may take
action to restore the account to live status by removing freeze.

2. Since it has been decided to refund the default fee collected due to system
failure as stated in the para 1 above, the post offices shall collect the deposits as
per the extant provisions.

…2…
 /2/

3. Circles should give wide publicity to this communication through post offices
and various communication channels.

4. GM, CEPT will highlight the communication prominently on

www.indiapost.gov.in.

This is issued with the approval of Director General Postal Services.

(Vijayan T C)
Asst. Director (SB-I)

Copy to: -

The Deputy Secretary, Budget Division, Department of Economic Affairs,

Ministry of Finance, New Delhi – 110001 for information.
 SB OrderNo. 09/2022
File No. FS' 10/8/2022'FS'DOP
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)
Dak Bhawan' .'#r?i'lir.
# 3391

To
All Heail of Circles / Regions

Subject: Execution of IIACINT menu in Finacle CBS and ameudments in

Bule 61(3) and Appendix-XVl of POSB CBS Manual (Corrected up
to 31.12.2021) - Regarding.

In partial modification of the SB Order No. Ogl2022 dated. O2.O6.2O22

issued in File No. FS'10/8/2022-FS'DOP, the following corrigendum issued.

(il. Para 3 may be read as "Considering the increase in number of HIARM

entries and practical diffrculties faced in execution of TIACINT at CEPT,
Chennai, it is proposed to decentralize HACINT menu and will be executed by
the CPC In'Charge of CBS'CPCs in the Circle with effect from 3d June,2O22".
(D. In para 7, in Text of the Amended provisions, "as on 01'04-xxxl" may be
read as "as on '31'03'xxxx"'.

2. The following corrigendum is issued in the detailed Standard Operating

Procedure for execution of HACINT menu at CBS'CPCs level circulated along
with SB Order No. Ogl2022 dated.02.06.2022.
(il. In Para (B)O(v), 'Applicable date should be sturting date of cunent
financial year, 07/04/xxxx (Eg 01/04/202D'may be read as 'Applicable date
should be 31"t March of last financial year, 31/03/xxxx (ngetnltZOZD"

3. All other entries of the SB Order hold good and this may be circulated to
all the offices concerned for information and necessary actions.

4. This is issued with the approval of competent authority.

.$,
(TC
Asst GB-D
Copv to:-
1. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co'ordination)/lVlember (Banking)/Member (O)/lVlember (P)/
Member (Planning & HRDXVIember (Pl,l)/Ivlember (TecD/AS & FA
4. AddI. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General ffig) & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Dtuectors of all PTCg.
8. Director General P & T Gudit), Civil Lines, New Delhi
9. Secretary, Postal Services Board./ AII Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounte / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. AII recognized Federations / Unions / Aesoeiations
13. The Under Secretary, MOF OEA, NS'II Section, North Block, New Delhi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi110002
f 5. GM, CEPT, Mysuru ' for uploatling the order on the India Post we te,
16. Guard File

(TC
Asst (sB-r)
 SB Order No. 15 / 2022
F. No 1 13-03/2017-SB(PI. 1)
Government of India
Ministry of Communications
Department of Posts
(Financid Senzices Division)
Dak Bhawan, New Delhi - 110001
Dated: 29.09.2022
To

All Head of CircleslRegions

Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.L0.2022

Madam / Sir,

The undersigned is directed to say that, vide memorandum No. 01/04/2019'NS

dated 29.09.2022 (copy enclosed), Government of India, Ministry of Finance,
Department of Economic Affairs (Budget Division) has informed that the rate of interest
on various Small Savings Schemes (National Savings Schemes) for the third quarter of
financial year 2022-23 (starting from l"t October,2022 and endinB on 31et December,
AOZD have been revised as under.

sl. Instrument / Scheme Rate of Interest Rate of Interest

No. from 01.07.2022 from 01.10.2022
to 30.09.2022 to 31.12.2022
1. Post Office Savines Account 4.0 4.O
2. l Year Time Deposit 5.5 b.b
3 2Year Time Deposit 5.5 6.7
4. 3 Year Time Deposit 5.5 5.8
5 5 Year Time Deposit 6.7 6.7
6. 5 Year Recurrins Deposit 5.8 5.8
7 Senior Citizen Savines Scheme 7.4 7.6
8. Monthlv Income Account Scheme 6.6 6.7
I Sukanya Samriddhi Account Scheme 7.6 7.6
10. Public Provident Fund Scheme 7.1 7,L
11. National Savines Certifrcate 6.8 6.8
t2. Kisan Vikas Patra 6.9 7.0
(will mature in (will mature in
124 months) 123 months)

2. It is requested to circulate it to all concerned for information and necessary

guid.ance. Same may also be placed on the notice board of all Post Offrces in public area.
The relevant calculation tables will be supplied in due course on receipt from the
DEA/MoF.

3. This is issued with the approval of the Competent Authority.

t
<1,

(t.c.
Assistant (SB.D
Copy to:

l. Sr. PPS to Secretary (Poste)

2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (Co-orilination)/-l\dember (Banking)/ Member (O)/ Member (P)/
Member (Planning & HRD)/ Member (PLI)/ Member (Tech)/AS & FA
4. Addl. Director Genera], APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCg
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Poetal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. AII Sections of Poetal Directorate
13. All recognized Federatione / Unions / Aesociations
14. GM, CEPT for kind information and necessary actions.
15. Deputy Secretary, DEA, MoF, NS-II, North Block, New Delhi - 110001,
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
17. Guard File

(T
(SB-D
 SB Order No. LG I 2022

File No. FS-07/3/2021'FS'DOP

Government of India
Ministry of Communications
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi - 110001

Dated: 10.10.2022
To
All Head of Circles / Regions

Subject: Relaxation in mandatory updation of ASLAAS'5 Card Numbers in

Agent Portal by MPKBY Agents - Regarding.

Reference: SB Orders (il. No. 3612021dated L2.LL.2021 and (iil. No. o7t2o22
dated 12.04.2022 issued in File No. FS'07131202L-FS'DOP
***

It has come to the notice of this office that still, MPKBY Agents are not
supplied with sufficient number of ASLAAS'5 cards by the Agents Appointing
Authorities in many States and as such they are not able to update the ASLAAS-
5 card numbers in the Agent Portal for generation of Schedule (Bulk List).

2. After examining the issue, Competent Authority has decided to extend the
relaxation provided in SB Order No. 36/2021 dated t2.1L.2021, in connection
with updation of ASLAAS'5 cards on Agent Portal till 31.03.2023 or till supply of
ASLAAS-5 cards to the Agents by the State Authorities, whichever is earlier.

3. Other procedure circulated in SB Order No. 36/2021 dated'L2.1t.202L

shall apply mutatis mutandis. Further, it is clarified that the same procedure
shall be followed for the opening of new RD accounts by MPKBY agents.

4. Circles should expedite action to print and supply the required quantum of
ASLAAS'5 cards. Further, Circles shall take up the issue with respective State
Authorities for indenting and supply of ASLAAS'5 cards to MPKBY Agents
immediately as the acceptance of deposits from MPKBY agents without
ASLAAS'5 cards numbers in the schedule of deposits is against the rules and no
further extension of exemption is possible.

5. This may be circulated to all the offices for information and necessary
actions.

6. This is issued with the approval of the DDG (FS).

(T
(SB.D
Copy to:-

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co'ordination)/lVlember
Ganking)/tt{ember (O)/lVlember (P)/
Member (Planning & HRD)A{ember GLD/lVIember (TecD/AS & FA
4. AddI. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate I Parcel Directorate I PLI Directorate
6. Sr. Deputy Director General (Vig) A CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / CGM, CEPT / Directors of all PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. AII General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. All recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DElr), NS'II Section, North Block, New Delhi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4
Deendayal Upadhyay Marg, New Delhi'110002
15. GM, CEPT, Bengaluru.
16. Guard File

,E
G

(tc
Asst ctor (SB'I)
 SB Order No. 17 /2022

F. No. FS-09/1/202I-FS-DOP
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi-110001

Dated: 10.10.2022
To,

All Head of Circles/Regions

Subiect: Steps to be taken for smooth functioning of POSB operations

and prevention offrauds in post offices reg'

SirAvladam,

In order to protect investments of small savers from any attempted

frauds/misappropriation linking of mobile number of account holder was made
MANDATORY for opening of any new account and steps to be taken for linking
of mobile number in all existing accounts were prescribed vide SB Order No-
17 12017 dated 23.10.2017

2. Further instructions in this regard were issued vide SB Order No' 0ll2022
dated 13.01.2022.

3. Further, to avoid linkage of fictitious/same mobile number in multiple

cIFs, the following amendments have been made in CCRC/CMRC menu in
Finacle:
..one mobile number can be linked with a maximum of 5 cIFs through
the GGRC/CMRC menu. on exceeding the limit, system will throw an error
message "Mobile No is linked with more than 5 CIF IDq"'

4.Accordingly,Iamdirectedtosaythatusersshallensureupdationof
correcvgenuine mobile number at the time of creation of any new clF
or
modification in any existing CIF. Post Office user can find out linked CIFs of any
mobile number by using CCIFINQ.
 5. It is requested to circulate it to all concemed for in lormation, guidance
and necessary action.

6. This is issued with the approval of the Competent,a.uthority.

Yours Faithfully
..*t2.r2
Devendra Sharma)
(

Assistant Director (SB-n)

Copy to: -

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination),Member (Banking)/ Member (O)/
Member (P)/ Member (Planning & HRDy Member (pLI)/ Member
(Tech)/hS & FA
4. Addl. D.rector General, APS, New Delhi
5. ChiefGr;neral Manager, BD Directorate / Parcel Directorate / pLI
Directorate
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Dreputy Director
General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all pTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secletary, Postal Services Board/ All Deputy Directors (ieneral
10.All Genr:ral Managers (Finance) / Directors postal Acco:nts r DDAp
1 l.Chief Errgineer (Civil), Postal Directorate

l2.All Sect..ons of Postal Directorate

13.All recognized Federations / Unions/ Associations
14.GM, CEPT for uploading the order on the India post weltsite.
15.MOF(DIIA), NS-II, North Block, New Delhi.
16.Joint Director & HOD, ICCW Building,4 Deendayal UJradhyay Marg, New
Delhi-110002
lT.Guard File
 SB Order No. LB I 2022
File No. FS' 109'27/2019'SB
Government of India
Ministry of Communications
Department of Posts
(tr'.s. Pivision)
Dak Bhawan, New Delhi - 110001
Dated: L0.L0.2022
To
AII Head of Circles / Regions

Subject: Deployment of functionality in Finacle CBS for Deduction of TDS in

respect on Cash Withdrawal under the provisions of Section 194N of
Income Tax Act 1961- Regarding.

This has the reference to the SB Order No. 05/2021 dated 09.03.2021. The
Post Offices were ordered to deduct the TDS under Section 194N of IT Act 1961
on the basis of the details of all such account holders shared by CEPT, Chennai
on monthly basis.

2. The functionality for deduction of TDS under Section 194N of IT Act 1961
has been deployed in Finacle in various patches on 30.05.2022,22.06.2022 and
04.08.2022. Accordingly, the TDS deduction under Section 194N will be made in
Finacle System based on the inputs i.e. percentage of TDS to be deducted,
entered by the post office concerned. It shall be the responsibility of the post
offrces concerned to update correct percentage of TDS to be deducted for the
depositor concerned, in CBS Finacle System. A detailed SOP to be followed by
the post offices is attached herewith.

3. Therefore, CEPT Chennai will not share details of all account holders TDS
for whom TDS deduction under Section 194N is applicable, henceforth.

4. All the Head Post Offices shall continue to file the TDS returns for all the
TDS deductions made under Section 194N of IT Act, 1961.

5. The post offices should not perform any credit or debit transaction using
CTM menu for any incorrect deposit / withdrawal transactions adjustment. In
case of any wrong deposit / withdrawal, the transaction must be reversed using
HCRT menu. Adjustment of wrong credit / debit using CTM menu will lead to
wrong deduction of TDS under Section 194N, wrong reporting of cash
transactions to IT Department in SFT'005 and thereby customer grievances.

6. This may be circulated to all the Offrces for information and necessary
actions.

7 . This is issued with the approval of competent authority

Encl:As above.

Asst. Director (SB-I)

. .. 2...
 t2t
Copv to:

1. Sr. PPS to Secretary (Posts)

2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (Co-ordination)/lVlember (Banking)/Member (O)/IVIember (P)/
Member (Planning & HRD)/lvlember (PLI)/NIember (TecD/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Direct orate I Parcel Directorat e I PLI Directorate
6. Sr. Dep.uty Director General (Vig; 8, CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ AII Deputy Directors General
10. A11 General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (Civil), Postal Directorate
12. AII recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA, NS'II Section, North Block, New De1hi.
14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi-110002
15. GM, CEPT, Bengaluru.
16. Guard File

(t
(SB.I)
 Standard Operating Procedure
Procedure for deduction of TDS under Sec 194 in Finacle

Introduction

As per Section 194(N) of IT Act-1961 inserted through Finance Act (No. 2)

of 2019 and further amended through Finance Bill 2020, TDS in respect of cash
withdrawal by an account holder of National Savings Schemes taken together
has to be deducted as follows.

(a). In case account holder is Income Tax Return (ITR) filers, 2% TDS is
applicable on all cash withdrawal in excess of Rs 1 crore from 01.09.2019.

(b). In case account holder is non-Income Tax Return (ITR) filers

(i). If aggregate cash withdrawals exceed Rs. 20 Lakhs, but does not
exceed Rs. 1 Crore during a financial year, 2% of TDS on the amount exceeding
Rs. 20 Lakhs is applicable from 01.07.2020.

(ii). If aggregate cash withdrawals exceed Rs. 1 Crore during a financial

year, 5% of TDS on the amount exceeding Rs. 1 Crore is applicable from
01.07.2020.

2. Provision for the deduction under Section 194N of IT Act was not available
in Finacle and the post offices were ordered to deduct the TDS manually. Now,
the functionality for deduction of TDS under Section 194N of IT Act 1961 has
been deployed in Finacle and five patches were deployed on 30.05.2022,
22.06.2022 and 04.08.2022.

3. While doing withdrawal transactions using CTM menu, if cumulative

amount of cash withdrawal by an account holder in savings account(s) during a
Financial Year is about to exceed ` 20 Lakh, Finacle system will throw a
message to capture the TDS percentage applicable to the account holder based
on his ITR filing status. The screen will be as follows.

4. In such cases, Post Offices should process withdrawal transaction only

after updating the TDS percentage of the account holder in Finacle. Post offices

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 1 of 8

should follow the following procedure to capture the applicable percentage of
TDS to be deducted under Section 194N and TDS deduction.

(II).
(II). Procedure to find out the percentage of TDS applicable to the account
holder

The percentage of TDS to be deducted under Section 194N for an account

holder is required to be obtained from the Income Tax portal.

2. The Counter PA at the post office should

(i). Open the undermentioned IT Portal link using the same web browser in a
separate page/window or any other available web browser.

www.incometax.gov.in/iec/foportal

(ii). Click on “TDS On Cash Withdrawal” option which will be available under
Quick Links option as shown below.

(iii). Scroll down the Quick Links Pane and click the option ‘TDS on Cash
Withdrawal’.
Withdrawal’ On clicking the option, next page will be loaded as below.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 2 of 8

(iv). Enter the PAN number of the account holder and Mobile number of the
person who is checking the TDS percentage. Mobile number may be either of the
Counter PA or the Supervisor or the Account Holder.

(v). Click continue after entering the details. An OTP will be sent to the
mobile number which has been entered.

(vi). Enter the OTP, click continue. The percentage of TDS to be deduction will
appear on the screen for the entered PAN and the screen will appear as follows.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 3 of 8

 The Counter PA has to note down the same on the top of the Withdrawal
form in red ink as ‘TDS Deducted on Cash WD txns @ 2% above 1C OR TDS
Deducted on Cash WD txns @ 2% above 20L and @ 5% above 1C”

(III).
(III). Procedure to update TDS Percentage in Finacle

A new menu CITFM is to be used to capture TDS percentage applicable to

the account holders. This menu is available for CPA work-class and Supervisor
Work-class.

2. After finding the percentage of TDS applicable to the account holder, the
Counter PA has to update the same for the respective CIF ID using the menu
CITFM. Before updation using CITFM
CITFM menu, the Counter PA should ensure that
the PAN of the account holder is verified from NSDL Portal as it is mandatory
for updating in CITFM MENU. Non validated PAN will not be linked in CITFM
menu.

3. Counter PA should invoke CITFM menu and Select - Add function. Then,
he/she should enter the CIF ID of the account holder and click on GO button.

4. PAN Number of the account holder will appear. Counter PA should check
whether the PAN Number linked to CIF is same as displayed in the PAN
NUMBER field.

5. Then, the Counter PA has to select the percentage of TDS applicable to

the account holder, which was noted down from IT Portal. There will be two
radio buttons with options

a) TDS Deducted on Cash WD txns @ 2% above 1C

b) TDS Deducted on Cash WD txns @ 2% above 20L and @ 5% above 1C

The screen shall be as follows.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 4 of 8

6. Counter PA after the selecting the TDS Percentage which was listed in the
IT Portal website should click on submit. It is the responsibility of the Counter
PA to check and select the correct option of TDS percentage in the CITFM menu.
Wrong capturing of TDS percentage will result in wrong calculation / deduction
of TDS which will in turn affect TDS filing,
filing, corrections in the Traces portal and
customers’ grievances.
grievances. Hence, the Counter PA should be very careful while
updating the TDS percentage.

7. Counter PA after clicking SUBMIT should confirm the same by clicking

OK button. If the TDS percentage is wrongly selected, Counter PA should click
on CANCEL button and modify the option of TDS percentage selected. The
screen will appear as follows.

8. Then the Postmaster / Supervisor should verify the TDS percentage by

invoking CITFM menu. Before verification in CITFM menu, the Supervisor
should find out the TDS percentage applicable to the account holder from IT
Portal, by following the procedure stated in para II. The Postmaster / Supervisor
can use Cancel function to cancel the CITFM entry if the option selected is
incorrect.

(IV).
(IV). Intimation to the Depositors

A short message (SMS) will be sent to the registered mobile number of the
Depositors concerned as and when the TDS is deducted under Section 194N of IT
Act 1961.

(V). Other Important points

1. System will not allow Cash withdrawals beyond ` 20 lakhs if CITFM

entries are not available. Error message will be thrown if CITFM entry is not
made for that particular CIF.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 5 of 8

2. Entries
Entries made in CITFM are only for the current Financial Year.Year TDS
percentage needs to be captured afresh every financial year whenever a warning
message is displayed in the system for that particular customer.

3. In RICT and ATM, a Static message “Please update the ITR filing status
at home branch post office if aggregate cash withdrawal exceeds 20 lakh in a
financial year. If not updated, TDS will be deducted at higher rate” will be
displayed. The screen shall be as follows.

4. TDS - LIEN MARKING

(i). During transaction which involves 194N TDS deduction, lien equivalent to
TDS amount will be marked in the respective account. This lien will be user
defined lien and it can be viewed through HALM menu. This lien cannot be
modified by the user. TDS will be deducted via batch job and once deducted, Lien
will be lifted by the system. TDS deduction transactions can be viewed in the
TDS Detailed report after successful execution of batch job. TDS due to be
recovered under section 194N for cash withdrawals happened via all channels
will be marked as lien

(ii). TDS lien marking can also be viewed using menu HALM – user defined
lien.

(iii). TDS lien marked will not form part of effective balance and lien marked
under 194N cannot be modified. Lien amount will be deducted as TDS when
automated batch job is executed and the same will be reflected in the last column
of the Section 194N TDS Deduction Detail report.

5. 194N TDS deduction on RICT / AMT Withdrawals:

In case of cash withdrawals through RICT and ATM, only a static message
on 194N TDS deduction will be displayed in ATM / RICT applications. If TDS
percentage is not updated in CITFM menu, higher TDS percentage at 5% will be
deducted for all cash withdrawals exceeding ` 20 lakh. Hence, the post office
officials should apprise such account holders to get the TDS percentage updated
every financial year.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 6 of 8

6. Post Offices shall not perform any credit or debit transaction using CTM
menu for any incorrect deposit / withdrawal transactions adjustment.
adjustment. In case of
any wrong deposit / withdrawal, the transaction must be reversed using HCRT
menu. Adjustment of wrong credit / debit using CTM menu will lead to wrong
deduction of TDS under Section 194N, wrong reporting of cash transactions to IT
Department in SFT-005 and thereby customer grievances.

Note:
Note Validations have been built in CTM menu to limit withdrawals,
upto the maximum amount including 194N TDS recovery and the minimum
balance. As such, in a SB account, falling under the 194N TDS purview, cash
withdrawals will be limited to the maximum eligible amount (i.e. effective
balance minus the TDS recovery plus the liens if any and minimum balance) and
the same will be calculated by the system and thrown as an information, in case
the withdrawal amount is more than that of the maximum eligible amount.

(VI
(VI). Reports

1. Two reports related to TDS deduction under Section 194N are available in
HFINRPT menu.

(a). Section 194N TDS Deduction Detail report

This report will detail the list of Transactions for which TDS is deducted
along with Transaction details. Transaction date will be the actual date on which
the withdrawal transaction occurred. TDS Trans date is the date when the batch
job has been executed. This report can be generated for a day.

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 7 of 8

G). Section 194N TDS Deduction Summary

This report will generate total TDS deducted SOL'wise. This report can be
generated for SOL ID / HO SET ID and for a range of dates.

q SECTION
INDIA POST

'94N
TDS DEDUCTION SUMMARY
RunDat : 18lO1EO?27:tr5PM
FrffiDat: ol-a1.20i22
Tooeb : 18.01 -2022

Sol lD, S.r lO 60001700 THYGARAYANAGAR(H.O)

S.No sol lD Charn.l lD Totll Tnn Amoum Total TDS Amount

60001700. THYGARAYANAGAR (H OI BRN 191,61S.595.00 4.487,241.@

60&)1700 - THYGARAYANAGAR (H.O) swl 215,320.O0 8,675.00

r9 t,834.915.00 4.49t,91o-(xl

-!-

SOP-Sec 194N TDS deduction (SB Order No. 18/2022) Page 8 of 8

 SB Order No. 1 9t2022

F. No. FS-13/712020-FS
Government of lndia
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi-110001

Daled: 12.10.2022
To,

All Head of Circles/Regions

Subiect lntroduction of e-Passbook facility for National (Small)

Savings Schemes account holders'

SiriMadam,

The competent authority has decided to introduce e-Passbook facility w.e.f.

12.10.2022 in order to provide simplified and enhanced digital facilities to National
(Small) Savings Schemes account holders.

2. With introduction of the facility, Post Office Small Savings customers will be able
to access the account details anytime, anywhere and without the need of having Net
Banking or the Mobile Banking access. e-Passbook facility can be accessed by an
account holder through the registered mobile number. The service will be available
free of cost.

3. Facilities available under e-Passbook will be as follows: -

(i) Balance lnquiry: - ln this option, user can view balance of all National savings
Scheme accounts.

(ii) Mini statement: - Mini statement will be available for Po Savings Account
(POSA), Sukanya Samriddhi Account (SSA) and Public
Provident Fund Account (PPF) to start with and will be
extended to other schemes in a phased manner' Last 10
transactions will be displayed and mini statement can be
downloaded in Pdf format.

(iii) Full Statement: - Full statement will be made avail able in a phased manner.
Customer will be able to generate account statement for
specified date range.

Page 1of 3
4. The link for e-Passbook is made available on lndia Post website (at link
https://www.indiapost.gov.in/Financial/Pages/ContenUPost-Office-Saving-
schemes.aspx) and IPPB website www.ippbonline.com. The facility will also be
made available in Postlnfo App subsequently. Account holders may follow the
process outlined below to use this facility: -

click on e-Passbook link provided on www.indiapost.gov.in or www.ippbonline.com.

. Enter mobile number and CAPTCHA ) Login ) Enter OTP ) Submit

. Select e-Passbook
. Select Scheme Type, Enter account number, registered mobile
)
number and CAPTCHA Continue Enter OTP Verify ) )
. Select option
(a) Balance Enquiry
(b) Mini Statement
(c) Full Statement
. Balance or Mini Statement or Full statement will be displayed based on the
service chosen by customer. Mini Statement and Full statement can also be
downloaded if required.

&:E: - lf the entered mobile number is not linked with the account, system will throw
appropriate error message. ln such cases account holders are requested
to link mobile number to their accounts by visiting the post office where the
account stands.

this to all concerned for information, guidance

5. lt is requested to circulate
and necessary action. Adequate promotion ol this functionality is to be done and the
same may also be placed on notice board of the post office(s)'

6. Hindi version will be issued in due course

7. This is issued with the approval of the Competent Authority'

Yours F thf ully

t2e t)-
(Devend ra harma)
Assistant Director (SB-ll)

Page 2 of 3
Gopy to: -

1. Sr. PPS to Secretary (Posts)

z. PS to Director General Postal Services.
3. PPS/ PS to Addl. DG (Co-ordination)/Member (Banking)/ Member (O)/
Member (P)/ Member (Planning & HRDy Member (PLl)/ Member (Tech)/AS &
FA
4. Addl. Director General, APS, New Delhi
s. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General (Vigilance) & CVO) / Sr. Deputy Director General
(PAF)
7. Director, RAKNPA / GM, CEPT / Directors of all PTCs
8. Director General P & T (Audit), Civil Lines, New Delhi
s. Secretary, Postal Services Board/ All Deputy Directors General
r0. All General Managers (Finance) / Directors Postal Accounts / DDAP
rr. Chief Engineer (Civil), Postal Directorate
12. All Sections of Postal Directorate
13. All recognized Federations / Unions/ Associations
r+. GM, CEPT for uploading the order on the lndia Post website.
rs. MOF(DEA), NS-ll, North Block, New Delhi'
16. Joint Director & HOD, ICCW Building, 4 Deendayal Upadhyay Marg, New
Delhi-1 10002
17. Guard File

Page 3 of 3
 File No. FS- 101 L7 12020-FS'Part(1)
Government of India
Ministry of Communications
Department of Posts
G.S. oivision)

Dak Bhawan, New Delhi - 110001

Dated: 20.L0.2022
To
AII Chief Postmasters General

Subject: Clarification on operation of SB Pension Accounts and Joint Accounts

opened by three adults jointly opened before 18.L2.20L9 - Reg.

***
This has the reference to Rajasthan Circle's Letter No. ICO/I'llRuling Cow.12022
dated L9.09.2022.

2. In connection with the operation of SB Pension Accounts and Joint Accounts

opened by three adults jointly opened before L8.12.2019, the following clarifications are
issued.

(il. Since there is no restriction on operation of the existing SB pension accounts and
Joint accounts opened by three adults jointly in POSA Scheme 20L9, all such accounts
opened before 18.12.2019 may be continued as normal savings accounts for operation
and they may not be treated as accounts in operation in contravention to Rules.

(iil. If any depositor is already having one SB Pension Single Account and one normal
SB Single Account opened before 18.12.2019, both the accounts can be continued in
operation and they shall be treated as normal savings accounts for operation.

(iiil.Existing SB Pension Accounts opened jointly with spouse before 18.12.2019 shall
be continued and they shall be treated as normal savings account for operation. Such
accounts can continue to operate even though the same set of depositors of SB Pension
Account operates another normal joint savings account opened before 18.12.2019.

(iv). Existing Post Office Saving Accounts opened by three adults jointly before
18.12.2019 shall be continued till the death of two of the joint account holders. On the
death of two of the joint account holders in such accounts opened by three adults jointly,
the surviving account holder shall be treated as the sole owner of the account and he
may continue the account in accordance with the provisions of POSA Scheme 2019
provided another single account is not held in his name. In case a single account exists
in the name of the surviving holder, the account shall have to be closed, in accordance
with the provision in Rule 3(2) of POSA Scheme 2019.

4. This is issued with the approval of competent authority.

(SB.I)
 SB Order No. 20 I 2022
File No. 1-L6'L7 12017-SB
Government of India
Ministry of Communications
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi - 110001

Dated: 28.t0.2022
To
All Head of Circles / Regions

Subject: Amendments to procedural rule in POSB (CBS) Manual (Corrected

up to 31.t2.2021) - Regarding.
:trrrr

Kerala Circle in Lr. No. SB/Genl Corr./20l9 dated 26.09.2022 requested

for clarification on rules governing premature closure of PPF accounts. In
addition, few referencing errors and conflicting contents have also come to the
notice. Accordingly, the contents of the latest POSB (CBS) Manual (Corrected up
to 31.12.2021) circulated in SB Order No. 03/2022 dated 18.02.2022 have been
reviewed and it has been decided to amend the following procedural rules as
follows.
RuIe / Para Text of the Amended provisions
No.
117 (11) (iv) Above provisions of paragraphs (il to (iiil shall also apply on
PPF accounts after maturity on expiry of each extended block
period of five years.
11e (l)(iil The amount is required for higher education of the account
holder, or dependent children on production of documents and
fee bills in confirmation of admission in a recognised institute of
hieher education in India or abroad:
126 (2) (iv) Withdrawal can be made in one lump or in instalments, not
exceeding one per financial year for a maximum of frve years
subject to the ceiling prescribed in para @Xiiil above. i.e. 50% of
balance at the credit of the preceding financial year from the
date of first application made for withdrawal.
172 (3) (iil The claim supported by legal evidence for account/certificate
standing at Time Scale & LSG sub post offices, the respective
SPMs can sanction claim up to the limit prescribed for sanction
of claim "where no nomination exists or no legal evidence
produced" in table below in rule 4 (B) of this chapter.
172 (3) (iii) The claim supported by legal evidence and where no nomination
exists for account/certificate standing at Time Scale & LSG sub
post offices beyond the sanction limit of respective SPMs, those
claims will be forwarded to the Divisional Head after verifuing
all particulars of claim and Divisional Head will issue sanction
for such claims irrespective of any limit.
2
 l2t
r?2 (B) (iv) The claim supported by legal evidence for account/certificate
standing at HSG Sub Post Offi.ces / MDGs / HO / GPO, the
respective SPMs/PMs/Sr. PM/CPM/Director can sanction claim
irrespective of any limit in such cases.
172 (e) (iil The claimant will present the sanction memo in original if the
claim is sanctioned by Divieional Head and if the payment is
desfued by cheque. Necessary action will be taken as for the
closure of savings account.

3. This may be circulated to all the Offices for information and necessary
actions.

4. This is issued with the approval of competent authority.

.-!,
(tc
Asst (SB.I)

Copv to:-
1. Sr. PPS to Secretary (Posts)
2. PS to Director General Postal Services.
3. PPS/ PS to AddI. DG (Co-ordination)ilVlember (Banking)fittlember (O)iIvlember (P)/
Member (Planning & HRD)/X{ember (PLD/IVIember (TecD/AS & FA
4. Addl. Director General, APS, New Delhi
5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate
6. Sr. Deputy Director General ffig) g CVO) / Sr. Deputy Director General (PAF)
7. Director, RAKNPA / GM, CEPT / Directors of aII PTCs.
8. Director General P & T (Audit), Civil Lines, New Delhi
9. Secretary, Postal Services Board/ All Deputy Directors General
10. All General Managers (Finance) / Directors Postal Accounts / DDAP
11. Chief Engineer (CiviD, Postal Directorate
12. All recognized Federations / Unions / Associations
13. The Under Secretary, MOF (DEA), NS'II Section, North Block, New Delhi.

14. The Joint Director & HOD, National Savings Institute, ICCW Building, 4 Deendayal
Upadhyay Marg, New Delhi-110002
15. GM, CEPT, Bengaluru ' for uploading the order on the India Post website.
16. Guard File

(r
Asst. (SB.I)