Sunday, 28 July 2013

Why You Can Bank on India Post

Of  the 26 aspirants who want to set up a bank, the government arm, India Post, appears to be best placed to fulfil the objective of financial inclusion. The Reserve Bank of India has said new banks will have to set up at least three branches in villages with a population of less than 10,000 for each branch they establish in other areas.

Unlike what many believe, a Post Bank of India (PBI) will be a completely new entity with no legacies of a government department and very little to do with its parent, except using some of its network. It will have an independent board and just two members from the government, one from the finance ministry and another from the department of post.

Geographically, the India Post network beats the entire banking system in the country. The ubiquitous mail carrier is present in more than 1,55,000 locations in India, 90 percent of them in villages. On an average, a post office serves an area of a little over 21 sq km and a population of 7,175, much lower than the RBI norm. In terms of experience with collecting deposits, the crucial left hand side of a bank balance sheet, again the department is unmatched. It manages over Rs 6 lakh crore in savings deposits and offers several financial services such as pensions schemes, insurance, recurring deposits and remittances.

That said, one of the crucial areas in which the department is short in experience is credit; the bread and butter for a bank.

To be sure, the idea of a PBI has been around for nearly 15 years as leaps in modern communications technology gradually made the snail mail unattractive and obsolete. On July 14, India Post shut down its 162-year-old telegraph service.

About five to six years ago, the Administrative Staff College of India prepared a report on turning the post office into a bank. It was more wishful thinking than a concrete business plan. It had proposed turning all post offices into bank branches. “That would have required about Rs 62,000 crore in capital and Rs 2 lakh crore in priority sector lending,” says Ashvin Parekh, Partner and National Industry Leader, Global Financial Services, Ernst & Young. RBI norms require all new banks to comply with reserve requirements from start.

The RBI and the finance ministry had also raised concerns about the department’s credit capability. It was clear that turning the entire network into a bank was a non-starter.

According to the plan prepared by Ernst & Young, India Post will become PBI’s banking correspondent. PBI, which will start with just 40 branches, will use the post office infrastructure but very frugally. In the beginning, it is only looking at a small, Rs 5,000 crore bank. That also means the government will not have to shell out huge amounts of capital. Anyway, the bank will need to bring in new shareholders and sell equity to the public for a stock market listing, as per RBI norms.

The bank can also leverage the technology backbone that is being put in place. The department has a Rs 4500 crore allocation in the 12th Plan for technology upgradation. Of that budget, Rs 1,200 crore will go only into financial services, including a core banking software, Infosys’ Finacle.

Carefully done, the PBI can be a game-changer in rural areas. It has a great brand recall and in many villages of India, the postman is a popular person. In fact, it can go one step ahead and even play a role in financial literacy in villages.


Friday, 26 July 2013



அன்புத் தோழர்களே ! வணக்கம் ! நம்முடைய இலாக்காவில்  கணினி மயமாக்கப்படும் போது அவசர கதியாக சேமிப்பு  வங்கிப் பிரிவில் DATA ENTRY செய்ததை  எவரும் மறந்துவிட முடியாது . ஒவ்வொரு தனி நபரின் கணக்குகளும்  மிகச் சரியாக  கணினியில்  மாற்றம் செய்திடவேண்டும் என்பதை மனதில் கொள்ளாமல் , இலாக்காவில் சொன்னார்கள் என்று மேல் அதிகாரிகளும் , மேல் அதிகாரி சொன்னார் என்று கீழ் அதிகாரிகளும் , " வெள்ளைக் காக்கை பறக்கிறது என்றால் .. ஆமாம்.. ஆமாம் நான் கூட பார்த்தேன் .. நாலு காக்கை பறப்பதை "   என்பது போல ,  அதற்கான துறைசார்ந்த அறிவைச் செலுத்தாமல் கீழ் மட்ட ஊழியர்களை நெருக்கடிக்கு உள்ளாக்கி  சேமிப்பு வங்கிக் கணக்குகளை குப்பைக் காடாக்கிய கொடுமை  நம் துறை தவிர வேறு எந்த துறையிலும் நடந்திருக்க சாத்தியக் கூறு இல்லை.  

கடந்த 10 ஆண்டுகளாக இவை சரி செய்யவே முடியவில்லை .  விளைவு , BO,  SO, SO SB , SBCO , ICO(SB), MAIL OVERSEER, IPO, ASP , SPOS.,  என்று  ஆயிரம் CHECKING MECHANISM  இருந்தும் கூட  கோடிக்கணக்கில்  பல அலுவலகங் களில் MULTIPLE FRAUD.   போதாதற்கு CORE BANKING  கூத்துகளில்...................... கணக்குகளின் இருப்புகள் சரி செய்யப்பட வேண்டிய  அவசரம் மீண்டும் ...... பார்த்தால்  மீண்டும் கோடிக் கணக்கில் MINUS BALANCE.................

இவற்றையெல்லாம் சரி செய்ய வேண்டுமே ... எப்படி செய்வது ?  இருக்கவே இருக்கிறான் ... எதையும் சுமக்கும் பொதிக் கழுதை....   அப்பாவி  அஞ்சலக எழுத்தன்.... பிடித்து மாட்டு ...  பணத்தைக்  கட்டு ...  இல்லையானால்  விதி 16, விதி 14........  பணி ஒய்வு பெறுபவரா ? ........ நிறுத்து  ஓய்வுக் கால பலன்களை ...  "ஐயோ வேண்டாம் .............. ஆளை விட்டுவிடு ..  நான் VR இல் செல்கிறேன்" என்றால் .. அதுவும் கிடையாது ... நீ இங்கேயே  சாக வேண்டும் இல்லையேல்  பணத்தைக் கட்ட வேண்டும் .... இதுதான் இன்றைய  நிர்வாகத்தின்  மோசமான  பார்வை ...

பயந்த ஊழியர்கள்  பலர் ................. எவன்   எவனோ சுருட்டியதற்கு  தங்கள்  உழைப்பில் வந்த பணத்தைக் கட்டினர் ....... ....இதற்கு வழியே இல்லையா ? என்று புலம்பித் தவிப்போர்  பலர் ... "தொழிற்சங்கம்  என்ன செய்கிறது ?" என்று கேள்வி கேட்டு தங்களுக்காக  போராடும் அமைப்பையே  வெறுத்து ஒதுக்கி விரக்தியின் பிடியில்  பலர் ....... 

 "கொட்டுவது  தேளின் குணம் .........  தடுப்பது மனிதனின் குணம்" ....... தேள் ஏன் கொட்டுகிறது  என்று கேட்க முடியுமா ? .........அதிகார அமைப்பு பெரும்பாலும் அப்படித்தான்....... ஒரு சில  நல்லவர்களைத் தவிர ... அவர்களும் கூட அதிகார அமைப்பின் கட்டுக்குள் ... நாங்கள் என்ன செய்வது .. மேலே சொல்லுகிறார்கள்  ...  நாங்கள் செய்து தானே ஆக வேண்டும் ... என்று  தட்டிக் கழிப்பது  கண்கூடு.

இவற்றை எதிர்கொள்ள  சட்டம் இருக்கிறதா ?  நிச்சயம்  இருக்கிறது ... ஆனால் நம்மில் பலருக்கு தெரிவதில்லை ............ தெரிந்து கொள்ள ......... தொழிற்சங்கம்  நடத்தும்  பயிற்சி வகுப்புகளுக்கும்  வருவதில்லை ......முன்னணித் தோழர்கள் கூட  இப்படித்தான் ......... இந்த நிலை தொடர்ந்தால் , எதிர் வரக்கூடிய  தனியார்  மய சூழலில்....... மீண்டும் அடிமை வாழ்வு தான் .......

MINUS BALANCE என்று கூறி  நேரிடையாக  சம்பளப் பிடித்தம் செய்திட முடியாது ...  சட்டப் படி SHOW CAUSE NOTICE வழங்கப் பட வேண்டும் ... இப்படி SHOW CAUSE NOTICE வழங்காமல்  ஊதியத்தில் பிடித்தம் செய்திட உத்திரவிடப் பட்டால்  உடன் உங்கள் கோட்ட/ கிளைச் செயலரை அணுகுங்கள் ... அவர்கள் நிச்சயம்  உங்கள் கோட்ட அதிகாரியிடம்  சட்ட விதிகளை எடுத்துக் காட்டி , இது தவறான அணுகுமுறை  என்பதை நிலை நிறுத்துவார் ... 

SHOW CAUSE NOTICE வழங்கப் பட்டால் , உடன் உங்கள் செயலரை அணுகி அதற்கு உரிய வகையில்  பதில்  தயார் செய்து அனுப்ப  உதவிடக் கோருங்கள் ..... உங்களுக்கு .... உங்கள் மீதான  தவறு சரிவர நிரூபிக்கப்  பட ... அதற்கான ஆவணங்கள் உங்களிடம் காட்டப் பட வேண்டும் ...................  அதன் நகல்கள் உங்களுக்கு வழங்கப் பட வேண்டும் ... MINUS BALANCE க்கு  உரிய  DEPOSITOR இடம் இருந்து  உங்கள் கோட்ட அதிகாரி  உரிய தொகையை வசூல் செய்திட சட்ட ரீதியாக  நடவடிக்கை எடுத்திட வேண்டும் ....................   இவை எதுவும் செய்யாமல்  உங்களிடம்  எந்தத் தொகையும் பிடித்தம் செய்திட  சட்டம்  அவர்களுக்கு எந்த உரிமையும் வழங்கிட வில்லை ....

உங்களின் ....... தொழிற் சங்கத்தின்......  எல்லாவித முயற்சிகளையும் மீறி .......... அடாவடியாக  உங்களின் சம்பளத்தில்  பிடித்தம் செய்திட உத்திரவிடப்பட்டால் நிச்சயம் நீதி மன்றம்  உங்களுக்கு பாது காப்பு வழங்கும் .......... அதற்கு செல்ல உங்களுக்கு  தொழிற் சங்க நிர்வாகிகள்  உதவி செய்வார்கள் ............ அதற்கு  கூட்டாக ............ தனியாக .......கோட்டச்  சங்கம் சேர்த்து ... என்று பலவகையில்  வழக்கு  தொடுத்து  தடையாணை  வாங்கிட .... அந்தந்த  சூழலுக் கேற்ப .......... அந்தந்த CASE க்கு ஏற்ப ....  வழி வகை உள்ளது ... 

மாதிரிக்கு  இரண்டு விதமான CASE களின்.. அந்தந்த சூழலுக்கு ஏற்புடைய     MODEL REPLY    கீழேஅளித்துள்ளோம்  ..............  படித்துப் பார்த்து  உபயோகப் படுத்திக் கொள்ளவும் .......................  உங்கள்  கோட்ட/ கிளைச் செயலரின் உதவியையும்  கேட்டு பெறவும் ........
மேலும்  இது போன்ற ஒரு MINUS BALANCE RECOVERY CASE இல் நீதி மன்றத்தால் தடையாணை பெறப் பட்டதால் , RECOVERY நிறுத்தப் பட்ட  உத்தரவையும் உங்கள் பார்வைக்கு  வைக்கிறோம் .... 

முயன்றால் முடியும் ... தொழிற் சங்க உணர்வு கொள்ளுங்கள் ..... உதவிகளை கேட்டுப் பெறுங்கள்....உங்களுக்கு உதவிடத்தானே  நம் தொழிற் சங்க அமைப்பு?  அன்றில் வேறு எதற்கு ?....   உணர்வு கொள்வோம் .... ஒன்று கூடுவோம் ... உயிரோட்டத்துடன்  தொழிற்சங்கப் பாதையில்  தோழர்களை பயணிக்க செய்வோம் ...

என்றும் உங்களுடன்...
மாநிலச் செயலர் , அஞ்சல் மூன்று .

கீழே பார்க்க.....ஒரு கோட்டத்தில் அளிக்கப் பட்ட மாதிரி பதில் படிவம் 1:-
From                                                                                       .07.2013
The  Sr. Superintendent of  Pos.,

            Sub:  Settlement of  minus balances  in SB Accounts at ......... – Reg.
            Ref:  SSPOs., .....   letter No.SB/CBS/MB/ADM/Dlgs.  dt. 15.07.2013
With  reference  to  the  letter    cited ,  it has been mentioned  that , there is negligence on my part, on the  noted  SB accounts  which  resulted  in   minus balance  on the said accounts. Based   on that,  a recovery  of Rs.13401/- is  proposed  to be made from my pay and allowances.
In this connection  ,  I am to submit  the  following  for  your   kind  consideration and for issue of  favourable orders.
1.     Rule 18 of PO SB General Rules, 1981 empower the Postal Department to recover any excess paid amount paid to the depositor as arrears of Land Revenue from the depositors. Hence I request  to initiate action as per the Rule ibid for settlement of the Minus Balance.
2.     Further, I was not given any of the  copy of  documents, by which , establishing  that I was actually responsible for the  minus balance, since the noted  dates of transactions were between the year 2005 to 2007.  For eg. copy of  nominal role, user code maintenance record containing authorization on the software, print out copy of  my pass word usage on the  said transactions, copy of LOTs concerned , SO SB OM Register, SBCO OM register , SB 46 registers etc.  Though, instructed in the  ref., I was not allowed to pursue  with the connected vouchers/supplied with copies of records etc. This is totally a denial of   natural   justice.
3.     As per Rule 48 (ii) of PO SB Manual Volume I, the  Ledger Assistant at  HO   should post the entries in the ledgers concerned and any discrepancy  noticed should be  booked into. This was not done in this  case  and  the part of  S.O. SB  is completely hided ,  with a motive to favour on selected interests.
4.     As per  Rule 92 (2)  (i) , (ii) , (iii), (v) and Rule 92(3) of PO SB Manual Volume I, Objection registers should be maintained with recordings of  difference in balances at SO SB and  SBCO and  extract should be  sent to S.O.s  to rectify then and there. Monthly statement of the pending objections should be  sent to the AO ICO (SB) and  Senior Superintendent to take further action. These were not done in this case  and  if so  the relevant  records should be  given access to the charged official  to prove his  innocence. If not,  the contributory factor should also be applied on the S.O. SB and SBCO parts, and myself should not be an isolated selection to recover  any such minus balances . 
5.     Since  there are  agreements made by the  SBCO   years-to-gether, and list of balances verified through the authorities concerned,     for  any reported  left over/excess/short entries in manual  ledgers/computers  of 8  years  back,  the official working at S.O. level should not be selectively cornered.
6.     As per  Standard Inspection Questionnaire prescribed by the Department , vide  para 27 (ii) and  32(c) checks should be  made by the Inspecting authorities for verification of balances through issuance of SB 46 notices to the depositors concerned, and verification of SO balances concerned with  HOs and  nothing  seems to be done in this case for the past 8 years and  failure, if any,  is now rushed to be fixed only on the part of  SO level, leaving the Inspecting authorities/Mail Overseers  in a biased manner.
7.     No sub- ordinate officers/ inspecting  authorities/SO SB/SBCO officials, are issued with notices  for  recovery of pay, on whose part there are many such  lapses in such of those  cases, and I should not be  singled out for any recovery  in this case.
8.     As per Rule 106 of P&T Man. Vol. III , any recovery can be  imposed only when it is established, and in  this case it was not done.
9.     As per  Rule 107 of P&T Man.Vol. III ,  the Disc. Authority should  correctly assess in a realistic manner the contributory negligence, and while determining any  omission or lapses on the  loss considered and the extenuating circumstances in which  the duties were performed by the official, shall be given due weight,  but  nothing has been done in this case.
            In view of above, it is requested  that   I may be allowed  to go through the  records pertaining  to the periods covered/ supplied with the copies of records as said above,  under which  such  minus balances occurred. Thereafter, I shall give my final reply in this connection.

Thanking you Sir,

Yours  faithfully,

வேறு ஒரு கோட்டத்தில் அளிக்கப் பட்ட மாதிரி பதில் படிவம்  2:=-

From                                                                                                                          .04.2013
The   Superintendent of  Pos.,
                                Sub: Multiple frauds at Vanapadi BO a/w Karai S.O.  – Reg.
                                Ref:  SPOs., ...........  No. F1/IV/02/2011-12 dt. 27.03.2013.
With  reference  to  the  letter    cited ,  it has been mentioned  that , there is negligence on my part/lapses/ failure in my duty ,on the items detailed,   which  resulted  in   multiple frauds at Vanapadi BO.  Based   on that , I have been directed to credit the   portion of the defrauded amount , made by the  Ex-BPM Sri. A. Loganathan of Vanapadi   B.O.
In this connection  ,  I am to submit  the  following  for  your   kind  consideration and for issue of  favourable orders.
1.       As per  of POSB General Rules, 1981 the Postal Department is empowered to recover any amount  due to the Department, when it is established that it is caused by a  person concerned, it  should be  recovered from the  Land Revenue of  the party concerned through  the State Revenue Authorities.
a) In this instant case, the loss caused to the Department was  made because of the  multiple fraud committed by the  Ex-BPM, Vanapadi  Sri. A. Loganathan. It was also well established after conducting of the  Departmental enquiry and  final orders were issued.  Hence action should be taken against the  fraudulent  person  to recover the  amount of loss caused to the Department. But nothing was made in this connection, taking up with the  Revenue authorities  till date.
b) Under  CCS(CCA) Rules 1965,  there is  provision to  file a case with the Police authorities concerned against the culprit for any amount of  fraud exceeding  Rs.5000/- and this was not done in this case till date , though  years-to-gether have rolled on  and final  departmental  orders of punishment was issued against the official concerned.  But only self was pressurized  to  credit  the amount of fraud committed  by the culprit, which is  totally against the rules of the Department  and against the Laws of the Govt.
c) Instead of  making  efforts to recover the  fraud amount from the culprit and principle offender, he was let off freely  by imposing  the   final penalty of  removed from  “further engagement” vide your office  memo.  no.FI/I/02/2011-12 dt. 25.03.2013.  It  totally plugs the opportunity  to have control over the  official concerned and  let him off  silently, besides punishing  the  common staff as scapegoats.

2.       Further, to submit that, I was not  allowed  to go through the records pertaining to  which  any of the       lapses involved in  my part, as alleged ,  or  to see that, whether I was  actually on duty,  on that  dates  of  lapses occurred.  This is totally a  denial of  natural  justice.
3.       Since  there are  various Inspections / visits made by the  authorities concerned, various Pass Book verifications,  balance verifications/ Stock Book verifications etc. were made during these three years period, their  part should  also be  put under review and  proper contributory  factor should also be  fixed on their part. This was not done  in this case and  simply  the   officials  working at ground level are picked  as a scapegoat,  for  any reported lapses. This is totally against  the  basic rules of the Department and  exhibits  the bias attitude of the administration.
4.       As per Rule 106 of P&T Man. Vol. III , any recovery can be  imposed only when it is clearly established, and in  this case it was not done.
5.       As per  Rule 107 of P&T Man.Vol. III ,  the disc. Authority should  correctly assess in a realistic manner the contributory negligence, and while determining any  omission or lapses on the  loss considered and the extenuating circumstances in which  the duties were performed by the official, shall be given due weight,  but  nothing has been done in this case.
                In view of above, it is requested  that   I may be allowed  to go through the  records pertaining  to the periods covered,  under which  such of  those lapses occurred  as alleged, and     the records  connected with  my  duty  on that  dates of  occurrences and I may be  given copies of the same concerned.  After  perusing  the  records connected,  after obtaining the copies concerned,  I shall submit  my final reply  to the notice issued.

Thanking you Sir,
Yours  faithfully,
கீழே பார்க்க ..ஒரு கோட்டத்தில்  சம்பளப் பிடித்தம் நிறுத்தப் பட்ட உத்தரவை :-


NFPE அஞ்சல் மூன்று சங்கத்தின் உறுப்பினர் சந்தா 01.07.2013 முதல் Rs.50/- ஆக மாறுகிறது. 

திருவனந்தபுரத்தில் கடந்த மார்ச் திங்களில் நடைபெற்ற நமது அஞ்சல் மூன்று சங்கத்தின்  அகில இந்திய மாநாட்டு தீர்மானத்தின் அடிப்படையில்  அஞ்சல் மூன்று  உறுப்பினர்களின் சந்தா தொகை  ரூ.30/- லிருந்து ரூ.50/- ஆக உயர்த்தப் படுகிறது . இந்த சந்தா பிடித்தம் என்பது  ஜூலை 1 முதல் அமல் ஆகும் .

இதற்கான இலாக்கா மற்றும் CPMG, TN உத்திரவின் நகல் கீழே அளிக்கப் பட்டுள்ளது . அந்தந்த  கோட்ட/ கிளைச் செயலர்கள் இந்த விபரத்தை முறையாக DDO மற்றும் கோட்ட அதிகாரியிடம் தெரிவித்து  இந்த மாத ஊதியத்தில் இந்த உயர்வினை  செய்திட வேண்டுகிறோம் .இதன் அடிப் படையிலேயே பகுதிப் பணம் அனுப்பப் பட வேண்டும் என்பதால் விடுதல் இன்றிஇதனைசெய்திடவேண்டுகிறோம் .


The third successive struggle program of AIPEU-GDS (NFPE) on 32 Charter of Demands, Dharna infront of Dak Bhawan, New Delhi has been staged successfully with the participation of General Secretaries of affiliated Unions of NFPE, NFPE office bearers and CHQ office bearers of GDS Union.

        Dharna program was presided by Com.I.S.Dabas, General Secretary, P-IV (CHQ) and inaugurated by Com.Giriraj Singh, President, NFPE & General Secretary, R-III. Com.M.Krishnan, Secretary General, NFPE & General Secretary, Gr.C.,  Com.K.V.Sridharan, Leader, JCM (Staffside) & former General Secretary Gr.C., Com.K.Raghavendran, former Secretary General, NFPE, Com.S.Raghupathi, Asst. Secretary General, NFPE, Com.T.Satyanarayana, General Secretary, AIP AEA, Com.Appanraj, former General Secretary, AIPSBCOEA, Com.R.Sivannarayana, President, Gr.C (CHQ), Com.N.Subramanyan, Dy. General Secretary, Gr.C (CHQ), Com.Balwinder Singh, Financial Secretary, Gr.C (CHQ) and comrades of Delhi Circle were participated.

        The GDS CHQ represented by Com.P.Pandurangarao, General Secretary, Com.R.Dhanraj, Dy. General Secretary, Com.V.Murukan, Financial Secretary, Com.Chandra N. Chaudhary, Orgg. General Secretary, Com.M.S.Sabu, Circle Secretary (Kerala), Com. Kumaran Nambiar, Fin. Secretary, Kerala, Com.Gunasekharan, President, Pudukottain Dn. (TN).
       The program concluded with the vote of thanks paid by Com.R.Dhanraj, Dy. General Secretary, by extending revolutionary greetings and heartfelt thanks to the leaders of NFPE for their support and participation in the dharna and made it successful.


Dear Comrades,
The first meeting of the National Secretariat of the Confederation was held at New Delhi on 22.07.2013. Com. K. K. N. Kutty, National President, presided. 
Com. S. K. Vyas, Advisor, in his opening remarks, explained the background of events which led to the formation of a Joint Council of Action of Railway (AIRF) Defence (AIDEF) and Confederation and also pointed out its weaknesses and limitations. He stressed the need to further strengthen the unity. He opined that on the 15 point charter of demands, Confederation must conduct its own independent campaign and agitational programmes. If the Railway and defence Federations come forward for serious agitational programmes including indefinite strike we must join such campaign and strike action.
Com. K. Raghavendran, Ex-Working President, Confederation also addressed the meeting. Thereafter discussion on all agenda items took place.
The following are the main highlights and decision of the National Secretariat meeting
1.      Review of 24th National Conference held at Kolkata from 4th to 6th May 2013
2.      15 Pointes charter of demands and future course of action.
The meeting decided to organize independent campaign and agitational programmes culminating in indefinite strike. The specific decisions were:

(i) To organize state level joint strike conventions of C-o-C with the participation of all affiliated unions/Associations/Federations during the month of August 2013. Where ever the C-O-C functioning is not satisfactory or has no participation of district units, efforts must be taken to revamp the committee.
(ii)  To organize mass Relay dharna at different places in all important stations during the first week of September 2013 (from 02.09.2013 to 07.09.2013).
(iii)To conduct nationwide strike ballot during the last week of September 2013 (On 25, 26 and 27th September)Model of the ballot will be sent later.
(iv)To convene the Central Working Committee/Central Executive committee meetings of all affiliated unions/Associations/Federations before the 1st week of October 2013. All India Office Bearers of the Confederation may be invited to attend the meeting.
3.      Joint programme of AIRF, AIDEF and Confederation:
It was decided to make all out effort to further strengthen the Joint council of action (JCA) and also to launch serious agitational programmes culminating in indefinite strike before December 2013.
4.      Formation of State Committees and District Committees
It was decided to reorganize the COCs which are defunct or not functioning satisfactorily. This is to be done when the state level strike campaign conventions are organized. Participation of representatives of all affiliates should be ensured in the conventions.
5.      Conducting of All India Mahila Convention of the Confederation.
It was decided to conduct two day’s All India Mahila Convention at New Delhi in the 3rd week of October 2013. C-O-C Delhi has agreed to host the Mahila Convention. Delegate fee shall be Rs.600/- per delegate. Participation of maximum number of Lady comrades from all states/affiliates should be ensured.
6.      Organising Trade Union Education Camp:
It was decided to hold the Trade Union Education Camp at Mumbai in November/December 2013. Number of participants shall be 150 (maximum). Delegate fee Rs. 600/- per delegate Postal, ITEF, Audit & Accounts and Atomic Energy delegates accommodation shall be arranged by their respective Federations. C-O-C Mumbai shall function as the Reception committee. Date and Venue will be intimated later.
7.      Publication of journal
Decided to publish a monthly journal. Name of the journal shall be “CONFEDERATION NEWS” (subject to availability at RNI) Editorial Board shall consist of Com. S. K. Vyas (Advisor) Com. K. K. N. Kutty (President) Com. M. S. Raja (Working President) Com. M .Krishnan (Secretary General) com. K. P. Rajagopal (Secretary) and Com. Vrigu Bhattacharjee (Financial Secretary).
8.      Financial Review:
Financial Secretary shall present the actual picture in the next meeting. Meanwhile letters should be sent to all affiliated unions to remit the arrears of quota immediately.
9.  National Convention of Central Trade Unions on 6th August 2013.
The available National Secretariat members/leaders at Delhi will attend the convention on 6th.
President, Com. K. K. N. Kutty in his concluding remarks, briefed decisions taken in the meeting. The meeting ended at 5 PM.
All office Bearers, State Committees, other C-O-Cs and Affiliated Unions/ Associations/ Federations are requested to implement the above mentioned decisions of the National Secretariat meeting, WITHOUT FAIL.
This may be treated as most urgent/important,
Fraternally yours,
(K. K. N. Kutty)                                                                            (M. Krishnan)
President                                                                                Secretary General


 Income Tax Department issues press release to clarify that unlike previous year Salaried Employees with Total Income up to Rs.5 lakhs too have to file ITR (Income Tax Return) this year viz., Assessment year 2013-14.

       The full text of Press Release issued by CBDT (Cenral Board of Direct Tax) is as follows:
       The CBDT has, vide notification dated 1-05-2013, made E-filing of Return compulsory for Assessment Year 2013-14 for persons having total assessable income exceeding Five lakh rupees.

       The CBDT vide its earlier notifications had exempted salaried employees having total income up to Rs. 5 lakhs including income from other sources up to Rs. 10,000/- from the requirement of filing return of income for assessment year 2011-12 and 2012-13 respectively. The exemption was available only for the assessment year 2011-12 and 2012-13. The exemption was giving considering ‘paper filing of returns’ and their ‘processing through manual entry’ on system.

          However, this year the facility for online filing of returns has been made user-friendly with the advantage of pre-filled return forms. These E-filed forms also get electronically processed at the central processing centre in a speedy manner. Hence, the exemption provided during the last two years is not being extended for assessment year 2013-14. Taxpayers are encouraged to file their returns electronically. E-filing is an easy, fast and secure method of filing of income tax return. Moreover, Digital signature is not mandatory for these taxpayers and they can transmit the data in the return electronically by downloading ITRs, or by online filing and thereafter submit the verification of the return in From ITR-V acknowledgement after signature to Central Processing Centre.
        The processing for E-filed returns is faster. From 25th July to 31st July 2013 (Except 27th and 28th July being holidays), Special Return Receipt Counters are opened in IT Offices  (FOR SALARIED TAX PAYERS)

Thursday, 18 July 2013





No. 19-31/2012-WL & Sports                                                       Dated at New Delhi the 12th July 2013
             All the Head of Postal Circle
             All the Heads of Postal Regions
Subjects: - Circle Welfare Fund for Gramin Dak Sevaks – Regarding.
            This is regarding introduction of the Circle Welfare Fund for GDSs in all the Circles as part of the ‘One year initiatives of the Department of Posts,’ under the guidance of Hon’ble Minister of Communications and Information Technology. The draft Schemes of Circle Welfare Fund for GDSs formulated by the Directorate is enclosed herewith.
2.          Before finalizing the scheme you are requested to send your valuable suggestions / comment / views on the draft scheme, latest by 29th July 2013.
                                                                                                                                          Yours Faithfully
(L.N Sharma)
Deputy Directorate General
(Training & Welfare) 
(Draft Schemes will be published with all details soon) 


India Post wants to own a bank. This is a great idea. In one stroke, this can ensure that millions more will get access to formal credit, in one of the most under-banked countries of the world. The biggest advantage for India Post, among the most enduring institutions set up by the British, is its huge network and customer base. Compared to roughly 1,00,000 commercial and rural bank branches in India, there are 1,55,000 post offices, a majority in rural and semi-urban areas. As a collector of small savings, it has experience in taking deposits — about Rs 6 lakh crore at last count — but not in lending. A bank licence for only India Post would mean that the network of bank branches would more than double in one stroke.
India Post also fits the bill on other counts: a long track record of integrity and, most important — with one post office for every four villages — a massive presence in rural India, where the RBI wants 25 per cent of all branches to be located. Forget microfinance companies, even compared to government-owned banks, the postal bank's cost structure, if it assigns some banking duties to postmen, will be lower.
India Post wants the government to sanction around Rs 1,300 crore for capital adequacy and to hire more people. It should get the money. The RBI wants new banks to be set up through a wholly-owned non-operative financial holding company. So, the postal bank will need to be corporatised. It should run on sound commercial principles and at arm's length from political masters.
Post offices in countries like Germany and Japan have successfully offered banking services. There is no reason why it cannot be done here. Many post offices are already computerised. These machines should be upgraded with banking software. A bank, trusted by local communities, will also make it easier to implement the direct transfer scheme.
All that needs to be done is to give a mobile device, a micro ATM, to the postman who can double up as a banking correspondent. The RBI needs to think innovatively about inclusive banking and spreading the reach of formal credit where there is none, now.

ET Bureau Jul 16, 2013, 05.00AM IST


Direct Recruitment PA/SA Examination - LATEST UPDATE

UPDATE as on 17-JUL-2013
Aptitude Test (Paper I) for all the postal circles is completed. The List of shortlisted 
candidates for the Computer Typing / Data Entry (PAPER II) for Andhra Pradesh, 
Gujrat, Karnataka, Maharashtra, Tamil Nadu, Assam, Chhattisgarh, Jharkhand, 
Madhya Pradesh, North East, Odisha, West Bengal Postal Circles is given in the 
link below:

The list in respect of the remaining Postal Circles will be published shortly.
The above Short List has been prepared in accordance with the procedure published
in the Notification No 60-9/2009 SPB1 dated 8-5-2012. The candidates who figure
 in the above list have qualified for appearing in the Paper II based on marks in the 
Paper I.
The list is in order of Roll Number.
Paper II is tentatively scheduled on 10th,11th,24th,25th,31th August 2013 and
 1st September 2013
Admit Card for Paper II will be dispatched shortly. Admit Card can also be generated
on this website by the candidates

Tuesday, 9 July 2013


S.K. Sinha
DO No. 17-3/2013-MV
Dated 05/07/2013
There is a proposal to supply bicycles to Branch Offices for providing better postal access to the rural areas and also for delivery of mail.
2. In this context, requirement of bicycles regarding their utility in your Circle for procurement of rural business like booking of articles, money orders, etc. through hand held devices need to be re-assessed. It may be kept in view that bicycles will also be used delivery of mails pending on local terrain, climate conditions like heavy rainfall, extreme heat and cold, etc. You may also like to have views / comments on this issue from the field offices, and especially from divisions falling in difficult areas like hilly areas, and desert areas, areas having very high rainfall.

3. Kindly communicate your requirement of bicycles accordingly within one week positively.

With regards,
Yours Sincerely
(S.K. Sinha)
All Head of Circles

Decisions taken in the meeting under the Chairpersonship of Secretary (P) held on 24/06/2013 on memorandum submitted by Postmen & MTS Staff union


By Express News Service - THIRUVANANTHAPURAM
08th July 2013 12:52 PM
The State Human Rights Commission has directed the Director of Central Government Health Scheme (CGHS) to include one hospital in each district in the panel of the scheme to enable all the retired employees to get the benefits of the government’s health insurance scheme.
He also directed the Director and the Central Secretary to submit the report in this regard on August 7. The direction was following a complaint filed by Leela George, a retired central government employee.
There is only one hospital in the state empanelled in the health insurance scheme, which is in the capital city. There are only three consulting centres under the scheme which are also situated here. This makes it difficult for the pensioners residing in other districts to avail the benefits of the scheme.
The retired employees became members of the scheme by paying from Rs 15,000 to 20,000. The members of the scheme also had given up their medical allowance of Rs 3,600. The Commission also directed that the facility for free treatment for the members of the health insurance scheme  be made at the hospitals which are empanelled in the Ex-servicemen Contributory Health Scheme.