RBI/2017-18/1
DGBA.GBD.No.-1/31.05.001/2017-18
July
1, 2017
All Agency Banks
Dear Sir/Madam
Master Circular - Disbursement
of Government Pension by Agency Banks
Please refer to our Master Circular RBI/2015-16/63
dated July 1, 2015 on the above subject. We have now revised
and updated the Master Circular which consolidates important instructions
on the subject issued by the Reserve Bank of India till June 30, 2017.
2. A copy of the revised Master Circular is
enclosed for your information. This circular may also be downloaded from
our website www.mastercirculars.rbi.org.in.
Yours faithfully
(S. Ramaswamy)
Principal Chief General Manager
Encl.: As above
Master
Circular – Disbursement of Government Pension by Agency Banks
Introduction
Payment of pension to retired
government employees, including payment of basic pension, increased
Dearness Relief (DR), and other benefits as and when announced by the
governments, is governed by the relevant schemes prepared by concerned
Ministries/Departments of the Government of India and State Governments.
This Master Circular consolidates important instructions on the subject
issued by the Reserve Bank till June 30, 2017. It does not replace or
supersede such existing government instructions. In case of any doubt or
apparent contradiction, agency banks may be guided by the relevant
government instructions. Various
circulars issued in this connection by the Reserve Bank of
India are summarised hereunder for information.
General Instructions
Government orders on DR, etc. on
websites
2. In order to obviate the time
lag between issue of DR orders and payment of DR to the beneficiary and to
render expeditious service to senior citizens, the following action is
required to be taken:
a.
As
soon as the sanction of Dearness Relief at revised rates is received from
Ministry of Finance, orders for payment of Dearness Relief to pensioners at
revised rates are issued and the copies of such orders are immediately sent
to Heads of all Agency Banks by e-mail as well as by FAX with instructions
to take necessary action for expeditious payment of Dearness Relief.
b.
The
orders are put on website of Ministry of Personnel, Public Grievance and
Pensions (persmin.nic.in)
c.
Copies
of orders are also sent by post to Heads of all Agency Banks and published
in leading newspapers by Indian Banks' Association.
d.
Pension
paying agency banks should act on the copies of the orders supplied by
Government to the Head Offices and/or Regional Offices of authorised banks
in the State headquarters or hosted on the website of the State Government.
e.
The
Controlling Offices/ Head Offices of agency banks should closely monitor
and supervise timely and correct disbursement of Government pension to
eligible pensioners.
Nomination
3. With a view to avoiding
inconvenience to pensioners, all pension paying branches to accept
Nomination Forms ‘A’ or ‘B’ as the case may be, submitted by Central
Civil/Railway pensioners for the payment of arrears of pension to the
heir(s).
4. In the case of Central Civil
and Railway pensioners, the pension paying banks should endorse the names
of nominees as per nomination forms ‘A’ and ‘B’ on the front page of the
pass book and the branches may be advised to ensure that the procedure laid
down in Schemes for disbursement of pension to pensioners by public sector
banks are followed scrupulously.
All India Service officers
retiring from Government of India
5. The accounting procedure to
be followed for payment of pension to All India Service Officers retiring
from Government of India while on Central Deputation is given below:
a.
PPO
number for All India Service Pensioners would incorporate, besides the 12
digit numeric component used for Central Civil pensioner, a prefix
indicating the service and the state cadre to which the pensioner belongs.
A sample PPO number for an IAS Officer of Punjab cadre would be –
IAS/Pb/438840400191.
b.
All
India Service Pensioners will have the option to draw pension only through
the authorised banks.
c.
The
Special Seal Authority (SSA) issued by the CPAO would be in blue colour to
distinguish it from authorities issued for Central Civil pensioners. In
addition, the authority will indicate the State Government to which the
payment is debitable.
d.
One
copy of the SSA will be sent to the concerned Accountant General for
information and record.
e.
The
concerned paying branches of the bank, after following the necessary
procedure for identifying the pensioner, would release the payment and add
the name of All India Service Pensioner to the scrolls prepared for State
Government Pensioners to be routed for reimbursement to the reimbursing
branches of the Reserve Bank/ State Bank as the case may be. Such scrolls
are NOT being handled under Single Window System of
pension reimbursement for Central Government Civil Pensioners and should
not therefore be sent to CPAO.
f.
The
reimbursing branches would follow the procedure for the State Government
Pensioners and send advice to Reserve Bank, CAS, Nagpur and the
corresponding scrolls to the concerned Accountant General.
g.
The
RBI, CAS, Nagpur would debit the concerned State Government Account as per
the procedure.
Credit of pension to joint
account
6. Various Central Government
Ministries and State Governments have modified the scheme for payment of
pension permitting credit of pension also to a joint account operated by
pensioner with his/her spouse in whose favour an authorisation for family
pension exists in the Pension Payment Order (PPO). The joint account of the
pensioner with the spouse could be operated either by 'Former or Survivor'
or 'Either or Survivor' basis subject to the following terms and
conditions:
a.
Once
pension has been credited to a pensioner's bank account, the liability of
the government/bank ceases. No further liability arises, even if the spouse
wrongly draws the amount.
b.
As
pension is payable only during the life of a pensioner, his/her death shall
be intimated to the bank at the earliest and in any case within one month
of the demise, so that the bank does not continue crediting monthly pension
to the joint account with the spouse, after the death of the pensioner. If,
however, any amount has been wrongly credited to the joint account, it
shall be recoverable from the joint account and/or any other account held
by the pensioner/spouse either individually or jointly. The legal heirs,
successors, executors, etc., shall also be liable to refund any amount,
which has been wrongly credited to the joint account.
c.
Payment
of Arrears of Pension (Nomination) Rules 1983 would continue to be applicable
to a Joint Account with the pensioner's spouse. This implies that if there
is an 'accepted nomination' in accordance with rules 5 and 6 of these
Rules, arrears mentioned in the rules shall be payable to the nominee.
7. Existing pensioners desiring
to get their pension credited to a joint account as indicated above are
required to submit an application to the bank branch, from where they are
presently drawing pension in the prescribed form. This would also be signed
by the pensioner's spouse in token of having accepted the terms and
conditions laid down by the Ministry/Government concerned. The facility is
applicable to existing / future pensioners.
8. The scheme of some
states/ministries add that opening of joint account with any other person
for credit of pension, except the spouse in whose favour family pension is
authorised in the PPO, shall not be permissible. Family pensioners are also
not covered under the revised scheme. For specific details, the scheme of
each individual Ministry/State Government may be examined.
Recording of PPO Number in the
passbook of Pensioners / Family Pensioners
9. It has been decided to record
the PPO number in all the pension passbooks of the pensioners/family
pensioners issued to them. This is to alleviate the difficulties reported
by pensioners/family pensioners to get duplicate Pension Payment Orders
(PPO) in case of missing of original PPO, transfer of pension account from
one bank/branch to another bank/branch, commencement of family pension to
spouse or dependent children after the death of pensioner, etc. in the
absence of ready availability of PPO numbers. Necessary instructions in
this regard have already been issued to all authorised banks by the Central
Pension Accounting Office vide their Office Memorandum
CPAO/Tech/Clarifications/P&PW/2014-15/426-497 dated September 17, 2014 and Office
of Principal Controller of Defence Accounts (Pension) vide their Circular
No.185 dated November 28, 2016. All agency banks are advised to
record the PPO numbers on the passbook of pensioners/family pensioners.
Issue of Pension Slip
10. It has been decided by
Central Pension Accounting Office (CPAO)/Ministry of Defence/Railway and
various State Governments to issue pension slips to their pensioners
including family pensioners. Accordingly, pension slips as per the
prescribed format are to be issued to these pensioners/family pensioners at
the commencement of pension and thereafter, whenever there is a change in
quantum of pension. Both halves of the Pension Payment Order (PPO) would
also need to be updated. All agency banks were advised to issue suitable
instructions to their pension paying branches.
Staggering of pension payments
11. Payment of pension only on
the last day of the month causes much hardship to pensioners as they have
to wait in queue for a long time to collect their pension. As per
instructions issued in 1995, agency banks were advised to spread disbursal
of pension over the last four working days of the month, except for the
month of March, which will continue to be credited on or after the first
working day of April.
Recovery of excess/wrong payment
made to a pensioner
12. Details of the uniform
procedure evolved for recovery of excess/wrong payments made to pensioners
drawing pensions under the Scheme for payment of pension to Central
/Civil/Defence/Railways pensioners through agency banks, are given below:
a) As soon as the excess/wrong
payment made to a pensioner comes to the notice of the paying branch, the
branch should adjust the same against the amount standing to the credit to
the pensioner’s account to the extent possible including lumpsum arrears
payment.
b) If the entire amount of
overpayment cannot be adjusted from the account, the pensioner may be asked
to pay forthwith the balance amount of overpayment.
c) In case the pensioner
expresses his inability to pay the amount, the same may be adjusted from
the future pension payments to be made to the pensioners. For recovering
the overpayment made to pensioner from his future pension payment in
instalments 1/3rd of net (pension + relief) payable each month may be recovered
unless the pensioner concerned gives consent in writing to pay a higher
instalment amount.
d) If the overpayment cannot be
recovered from the pensioner due to his death or discontinuance of pension
then action has to be taken as per the letter of undertaking given by the
pensioner under the scheme.
e) The pensioner may also be
advised about the details of over payment/wrong payment and mode of its
recovery.
Refund of excess pension payment
to Government
13. Whenever any excess /
overpayment is detected the entire amount thereof should be credited to the
Government account in lump sum immediately when the excess/overpayment is
due to an error on the part of the agency bank. If the excess/wrong payment
to the pensioner is due to errors committed by the government, they may
take up the matter with the full particulars of the cases with respective
Government Department for a quick resolution of the matter. However, this
must be a time bound exercise and the government authority’s
acknowledgement to this effect must be kept on the bank’s record. The banks
may take up such cases with government departments without reference to the
Reserve Bank of India.
Withdrawal of pension by old/
sick/ disabled/ incapacitated pensioners
14. In order to take care of
problems/ difficulties faced by sick and disabled pensioners in withdrawal
of pension / family pension from the banks, agency banks may categorise
such pensioners as under:
·
Pensioner
who is too ill to sign a cheque / unable to be physically present in the
bank
·
Pensioner
who is not only unable to be physically present in the bank but also not
even able to put his/her thumb impression on the cheque/ withdrawal form
due to certain physical defect / incapacity.
15. With a view to enabling such
old/sick/incapacitated pensioners to operate their accounts, banks may
follow the procedure as under:
·
Wherever
thumb or toe impression of the old/sick pensioner is obtained, it should be
identified by two independent witnesses known to the bank, one of whom
should be a responsible bank official.
·
Where
the pensioner cannot even put his/her thumb/ toe impression and also would
not be able to be physically present in the bank, a mark can be obtained on
the cheque/withdrawal form, which should be identified by two independent
witnesses, one of whom should be a responsible bank official.
Accordingly, the agency banks
are requested to instruct their branches to display the instructions issued
in this regard on their notice board so that sick and disabled pensioners
could make full use of these facilities. Banks are also advised to
sensitise staff members in the matter and to refer to the FAQs on pension
disbursement hosted on our website rbi.org.in in case of any doubt.
Reimbursement of pension
payments
16. Link branches of agency
banks may submit reimbursement claims to Reserve Bank of India, Public
Accounts Departments/ Central Accounts Section, Nagpur for Central/State
Government pension payments.
Continuation of either or
survivor pension account after death of pensioner
17. All agency banks disbursing
Central Government pension have been advised that in case the spouse
(Family pensioner) opts for existing joint account for credit of family
pension, banks should not insist on opening a new account when the spouse
is the survivor and having a joint account with the pensioner and in whose
favour an authorisation for payment of family pension exists in the Pension
Payment Order (PPO).
Digital Life Certificate
18. As per the present pension
scheme, pensioners are required to furnish a life certificate to the
pension disbursing bank every year in November. In view of the difficulties
faced by pensioners in submission of these certificates, and in order to
alleviate these difficulties, the Government of India has since launched
“Jeevan Pramaan”, a digital life certificate based on Aadhaar Biometric
Authentication on November 10, 2014. In order to facilitate Jeevan Pramaan,
a web portal (jeevanpramaan.gov.in) was launched on November 10, 2014. All
agency banks disbursing government pension may take necessary steps to
implement and benefit from the scheme and issue necessary instructions to
all their branches concerned and dealing staff. They are requested to work
towards creating awareness about this facility amongst their pensioner
customers through their branches, websites and other means. Banks may also
suitably amend the FAQs on pension payments.
19. There have been complaints
that life certificates submitted over the counter of pension paying
branches are misplaced causing delay in payment of monthly pensions. In
order to alleviate the hardships faced by pensioners, agency banks were
instructed to mandatorily issue duly signed acknowledgements. They were
also requested to consider entering the receipt of life certificates in
their CBS and issue a system generated acknowledgement which would serve
the twin purpose of acknowledgement as well as real time updation of
records.
Payment of Central Civil Pension
(a) Pension Payment Orders
20. Some of the Pension Paying
Bank branches do not update the amount of basic pension/family pension
whenever there is change in basic rates in both halves of the Pension
Payment Order (PPO) concerned. In this connection, paragraphs 12.17 and
19.1 of the "Scheme for Payment of Pensions to Central Government
Civil Pensioners by Public Sector Banks” are reproduced below: The details
of the scheme are available at cpao.nic.in/pdf/scheme_bookle_new.pdf“Whenever there is
change in the basic rates of pension and/or dearness relief on pension, the
paying branch shall call back the pensioner's half of the PPO and record
thereon the changes, indicating, inter-alia, the date(s) from which the
changes are effective. After this is done, those halves will be returned to
the pensioners.” (Para 12.17).
“Whenever any additional relief
on pensions is sanctioned by Government, an intimation to this effect will
be sent by the Ministry of Personnel, Public Grievances and Pensions
(Department of Pension and Pensioners' Welfare) to the authorised
representative (by name) of each nominated public sector bank at the
address given by the latter. Thereafter, it shall be the responsibility of
the banks to collect through their representatives operating at Delhi or
otherwise, the required number of copies (to be intimated in advance) of
the sanction orders, along with the ready-reckoner relating thereto, from
the Ministry of Personnel, Public Grievances and Pensions (Department of
Pension and Pensioners' Welfare) and send them immediately to their
respective Head Offices for direct transmission to the paying branches
within ten days for implementation. Each paying branch will promptly
determine the revised rates of relief on pensions payable to the Central
Government Civil Pensioners under its payment. The calculations of these
rates applicable to individual pensioners would be made as in Annexure XXII
(Page 50) and they will be noted in disburser's portion of the PPOs along
with the date from which relief would take effect, under attestation by the
Branch Manager or In-Charge before commencing payment of relief at the
revised rates and/or payment of arrears, if any, due to the pensioners on
this account…” (Para 19.1).
Agency banks may draw the
attention of their pension paying branches to the above provisions and
advise them to strictly follow the instructions.
Payment of pension to Defence
pensioners
(a) Delay in submission of
pension payment scrolls
21. The procedure for transmission
of pension payment scrolls by paying branches, link branches and
reimbursing branches is stipulated in of the booklet “Defence Pension
Payment Instructions”. The detailed instructions are available at cgda.nic.in/pdf/Defence%20Pension%20Payment%20Instructions%202013.pdf
The entire procedure detailed
therein needs to be completed as per the timeframe fixed so that the
payment scrolls are received at the Office of the PCDA (Pension), Allahabad
latest by 15th of the following month (except for the month of March
scrolls, which should invariably reach latest by 3rd week of every year).
The Pension Paying Branches/ Link Branches / Reimbursing Branches are
advised to put in place a more efficient system to ensure the following:
·
Pension
Paying Branches to submit pension payment scrolls to Link Branches within
the stipulated time (by 10th of the following month). No bunching of
scrolls is done.
·
Link
Branches to forward the original copy of the scroll along with summary
sheet and summary documents to reimbursing banks (RBI/ SBI etc. as the case
may be) by 11th of each month.
·
Reimbursing
banks should forward the original copy of the scrolls directly to CDA
(Pension), Allahabad after reimbursing pension paying bank, by debit to
Government Account so as to reach PCDA (Pension) by 15th of the following
month except for the March scrolls.
(b) Fake and fraudulent payments
22. The Office of the PCDA
(Pension) has also noticed that in some cases of payment of gratuity and
commutation amount were made to imposters on fake and fraudulent PPOs by
the pension paying branches without observing prescribed checks. Defence
pension paying branches are therefore requested to strictly follow the
procedure laid down in “Defence Pension Payment Instructions” by the PCDA
(Pension) for disbursement of pension to Defence pensioners to avoid
fraudulent payments against fake pension payment orders.
(c) First payment of pension
23. It has also been observed
that in the cases of first payment of pension, either PPO numbers were not
mentioned on the scrolls or incorrect PPO numbers were mentioned making it
difficult to verify the correctness of the payment. Further, these payments
were being shown in the main pension payment scrolls along with the regular
monthly payments of Defence Pensioners. The Pension Paying Branches/ Link
Branches / Reimbursing Branches are advised to put in place a more
efficient system to ensure the following:
a.
In the
cases of first payments of pension, pension paying branches should prepare
scrolls carefully indicating correct PPO number, amount of gratuity and
commutation against the name of each pensioner and submit the same
separately on a monthly basis in addition to the regular monthly payment
cases which will continue to be prepared separately along with separate
summary sheet.
b.
Pension
paying branches should prepare separate summary sheets for regular monthly
pension payment cases as well as first pension payment case.
(d) Single Window System
24. It has been decided in
consultation with the Office of Principal Controller of Defence Accounts
(Pension) to introduce Single Window System for reimbursement of Defence
Pension with effect from April 1, 2007. Hence, the Reimbursing Banks i.e.
RBI (PADs), SBI and its associate banks will cease to reimburse Defence
pension payments made by the banks with effect from April 1, 2007. Pension
payments transactions may be reported through Link Cell in Nagpur to
Central Accounts Section, Reserve Bank of India, Nagpur for fund settlement
as in the case of Central Civil Pension. The agency banks are required to
send the Payment scrolls to the office of the PCDA (P), Draupadi Ghat,
Allahabad.
25. All the past transactions
remaining outstanding prior to April 1, 2007 for which Pension Payment
Scrolls Advices are wanting shall be resolved through Reimbursing Branches
of RBI/SBI and its Associates.
Payment of Pension to Railway
Pensioners
(a) Fake and fraudulent payments
26. The Ministry of Railways has
detected cases of fraud wherein pension/ pension arrears have been
disbursed to unauthorised persons by some agency banks against fake Pension
Payment Orders (PPOs). Such fraudulent payments are made by pension paying
branches without observing prescribed checks such as releasing payments by
relying upon calculation sheet not signed by authorised signatory, as also
noncompliance with laid down procedures, especially regarding receipt of
PPOs by banks. Railway pension paying branches are therefore requested to
strictly follow the procedure laid down in “Scheme for Payment of Railway
Pension through Public Sector Banks” by the Ministry of Railways (Railway
Board) for disbursement of pension to Railway pensioners to avoid
fraudulent payments against fake pension payment orders.
(b) Issue of Due and Drawn
statement
27. All agency banks may issue
suitable instructions to their pension paying branches for issuance of ‘Due
and Drawn’ statement in the prescribed form to Railway pensioners, whenever
there is a change/revision in their pension, so as to avoid inconvenience
to the pensioners.
(c) Single Window System
28. The Single Window System
(SWS) has been introduced in case of the reimbursement of Railway Pension
payments by almost all agency banks. Railway pension payments made by these
banks will be reimbursed by RBI, Central Accounts Section, Nagpur.
Payment of Pension to Telecom
Pensioners
(a) Single Window System
29. Single Window System (SWS)
was introduced in the case of reimbursement of Telecom Pension payments
with State Bank of India, its Associates and Nationalised Banks with effect
from October 1, 2012. The revised scheme is available at the following
link: dot.gov.in/sites/default/files/28-9-12_1.pdfTelecom
pension payments made by these banks will be reimbursed by RBI, Central
Accounts Section, Nagpur.
Customer Service
30. All agency banks may issue
instructions to their dealing branches to adhere to the recommendations of
the Prabhakar Rao Committee relating to pension payments and accordingly
also instruct their internal auditors/inspectors to bestow due attention to
adherence to the items of work by the branches listed with respect to the
checklist (provided in Annex 1) and comment on the quality of customer
service in their reports which may be made available to Reserve Bank’s
inspecting officers, as and when they visit the branches.
31. Grievances of pensioners are
not being addressed properly at the branch level especially after the
setting up of Centralised Pension Processing Centres (CPPCs). To provide
hassle free service to the pensioners, there should be a forum for regular
interaction and settlement of grievances. Accordingly, agency banks should
appoint one/two nodal officers at each Region/Zone for monitoring the
resolution of grievances of pensioners on regular basis and the GM/CGM concerned
should review the position at monthly intervals.
32. At locations outside the
CPPCs, there should be designated nodal officers for pension related
complaints who should be easily accessible to pensioners and who should
hold regular meetings at different locations in their jurisdiction on the
lines of Pension Adalat. Each bank should establish toll free dedicated
pension line manned by trained persons with access to the database to
answer queries, note down and redress complaints.
33. Following several complaints
from pensioners alleging inordinate delay in disbursing revised pension and
arrears, agency banks were advised as under:
a.
Pension
paying banks should compensate the pensioner for delay in crediting
pension/ arrears thereof at a fixed interest rate of 8 per cent per annum
for the delay after the due date and the compensation shall be credited to
the pensioner's account automatically without any claim from the pensioner
on the same day when the bank affords credit for revised pension/ pension
arrears, in respect of all delayed pension payments made since October 1,
2008.
b.
Pension
paying banks have been requested to put in place a mechanism to obtain
immediately the copies of pension orders from the pension paying
authorities directly and make payments without waiting for receipt of
instructions from the Reserve Bank so that pensioners should get benefits
announced by the Governments in the succeeding month's pension payment
itself.
c.
System
of attending to customer service including pension payments may be reviewed
at periodical intervals.
d.
The
branch should continue to be a point of referral for the pensioner lest
he/she feel disenfranchised.
e.
All
branches having pension accounts should guide and assist the pensioners in
all their dealings with the bank.
f.
Suitable
arrangements should be made to place the arithmetic and other details about
pension calculations on the web, to be made available to the pensioners
through the net or at the branches at periodic interval as may be necessary
and sufficient advertisement is made about such arrangements.
g.
All
claims for agency commission in respect of pension payments must be
accompanied by a certificate from ED/CGM in charge of government business
that there are no pension arrears to be credited/ delays in crediting regular
pension/arrears thereof.
Training
34. In order to create better
awareness among staff about pension payment schemes/ rules, banks may
include this as an integral part of the training programmes conducted by
their training establishments.
35. Regular training session for
bank personnel dealing with pension matters may be organised in
consultation with concerned Government Department.
Annex
1
Check
list relating to Pension payments/government
business for internal inspection of bank branches
a.
Whether
the bank staff, both operative and supervisory, has been suitably
sensitised to the important and socially useful work of pension payments?
b.
Whether
there is delay in payment of pension, revision of pension, revision in
Dearness Relief etc.?
c.
Whether
there is delay in restoring full pension after 15 years as indicated in PPO
itself?
d.
Whether
there is delay at Link Branch/ Focal Point Branch/ Pension Disbursing
Branch of bank in prompt payment of pension?
e.
Whether
the bank branch ensures that the overpayments are not made to pensioners
since this will lead to hardship to the pensioner later?
f.
Whether
the Branch Manager had structured interaction with pensioners on quarterly
basis?
g.
Whether
regular training sessions for bank personnel dealing with pension matters
were organised in consultation with the concerned Government departments,
such as Central Pension Accounting Office, Controller, Defence Pensions
etc.?
h.
Whether
the Nominations to all the pension accounts have been complied?
i.
Whether
the pension accounts have been converted into joint account wherever
applicable?
j.
Whether
pension slips are issued to Central Civil/ Defence/ Railway pensioners?
k.
Whether
the bank branch has an effective complaint redressal mechanism and the
complaints of pensioners are promptly attended to and their grievances
redressed expeditiously?
l.
Whether
the pension is credited to pensioner’s account during the period of last
four working days of the month except for the month of March for which the
pension is credited on or after first working day of April as per Reserve
Bank of India instructions?
m.
Whether
the pension paying branch maintains a detailed record of pension payments
made by it in the prescribed form?
n.
Whether
pension paying branch obtains Life Certificate/ Non-employment certificate/
Employment Certificate from the pensioners in the month of November every
year?
o.
Whether
pension paying branch deducts Income Tax at Source from pension payments
wherever applicable?
p.
Whether
bank branch strictly follows the process of verification of PAN number of
existing assesses from the CD to eliminate any incorrect entry by the
assesse?
q.
Whether
paper tokens in acknowledgement of the receipt of the cheque are invariably
given by the tax collecting bank branches?
r.
Whether
the challans are stamped giving the bank’s BSR Code and the Challan
Identification Number (CIN) clearly?
s.
Whether
the stamped challans are kept in the custody of the bank staff and handed
over to the concerned tax payer only on production of the paper token?
t.
Whether
PPO number is recorded in the passbook issued to pensioners/family
pensioners
Appendix
List
of circulars consolidated by the Master Circular
No.
|
Circular
No.
|
Date
|
Subject
|
1
|
Ref.Co.DGBA(NBS)No.44/GA.64(11-CVL)
90/91
|
18.04.1991
|
Scheme for payment of pension
to Central Civil/Defence/Railways pensioners through public sector banks
-Recovery of excess/wrong payments made to the pensioners
|
2
|
Ref.Co.DGBA(NBS)No.50/GA.64(11-CVL)
90/91
|
06.05.1991
|
Scheme for payment of pension
to Central Civil/Defence/Railways pensioners through public sector banks
-Recovery of excess/wrong payments made to the pensioners
|
3
|
Ref.DGBA.GAD.No.H-
416/45.01.003/2002-03
|
21.03.2003
|
Hosting of Government Orders
for Dearness Relief (DR) etc. of State Government Pensioners on Web Sites
of State Governments.
|
4
|
Ref.DGBA.GAD.No.H-506/45.01.001/2002-03
|
12.04.2003
|
Payment of Pension to
Government Pensioners through Public Sector Banks – Steps taken by
Government to minimize delay in payment of Dearness Relief (DR) to
Pensioners – Discontinuation of forwarding Government orders in respect
of DR etc. through Reserve Bank of India.
|
5
|
Ref.DGBA.GAD.No.770/45.1.003/2003-04
|
25.02.2004
|
Hosting of Pension Circulars
on RBI's Website
|
6
|
Ref.DGBA.GAD.No.H-94/45.05.031/2004-05
|
24.08.2004
|
Acceptance of nomination in
form ‘A’ and ‘B’ – Central Civil/ Railway Pension.
|
7
|
Ref.DGBA.GAD.No.612-644/45.01.001/2004-05
|
07.10.2004
|
Implementation of procedure
for payment of pensions and other retirement benefits to All India
Service Officers retiring from Government of India while on central
deputation
|
8
|
Ref. DGBA.GAD.No.867-899/45.02.001/ 2004-05
|
18.10.2004
|
Scheme of Payment of Pension
to Defence Pensioners by Public Sector Banks – Delay in Submission of
Pension Payment Scrolls and Steps to avoid fake and fraudulent payments.
|
9
|
Ref.DGBA.GAD.No.H-3611/45.03.002/2005-06
|
10.10.2005
|
Acceptance of nomination in
form ‘A’ and ‘B’ – Central Civil/ Railway Pension.
|
10
|
Ref.
DGBA.GAD.No.H-3389-3421/45.02.001/2004-05)
|
06.01.2005
|
Scheme of Payment of Pension
to Railway Pensioners by Public Sector Banks- Steps to avoid fraudulent
payments.
|
11
|
Ref.DGBA.GAD.No.H.3452-3485/45.01.001/2004-05
|
11.01.2005
|
Payment of Central Civil
Pension – Entry of Dearness Pension in both halves of Pension Payment
Order (PPO)
|
12
|
Ref.DGBA.GAD.No.6073/45.05.031/2004-05
|
30.05.2005
|
Disbursement of Railway
Pension by Agency Banks.
|
13
|
Ref.DGBA.GAD.No.H-10746/45.03.001/2005-06
|
24.01.2006
|
Scheme of Payment of Pension
to Railway Pensioners through Public Sector Banks – Designation of FA
& CAOs of seven new zones by Ministry of Railways.
|
14
|
Ref.DGBA.GAD.No.11303/45.01.003/2005-06
|
06.02.2006
|
Disbursement of pension
through Public Sector Banks – Payment of Dearness Relief (DR)
|
15
|
Ref.DGBA.GAD.No.12736/45.03.001/2005-06
|
24.02.2006
|
Payment of Pension through
Authorised Banks – Credit of Pension to Joint Account operated by
pensioner with his/ her Spouse.
|
16
|
DGBA.GAD.No.H-
2134/45.02.001/2006-07
|
04.08.2006
|
Payment of pension through
Authorised Banks-Credit of Pension to Joint Bank Account operated by a
pensioner with his / her spouse.
|
17
|
DGBA.GAD.No.6926/45.05.005/2006-07
|
30.10.2006
|
Scheme for payment of pension
to West Bengal (Part-A) Government Pensioners by Public Sector
Banks-Credit of Pension to Joint bank Account operated by a pensioner
with his/ her spouse
|
18
|
DGBA.GAD.H-10975/45.05.031/2006-07
|
09.01 2007
|
Issue of Pension Slips.
|
19
|
DGBA.GAD.No.H-13834/45.02.001/2006-07
|
13.03.2007
|
Introduction of Single Window
System for reimbursement of Defence Pension Payments.
|
20
|
DGBA.GAD.No.H-14279/45.05.024/2006-07
|
23.03.2007
|
Scheme for payment of pension
to Arunachal Pradesh Government pensioners by public sector banks.
|
21
|
DGBA.GAD.No.H-17663/45.05.031/2006-07
|
12.06.2007
|
Issue of Pension Slips.
|
22
|
DGBA.GAD.No.H-3856/45.05.031/2007-08
|
08.10.2007
|
Issue of Pension Slips.
|
23
|
DGBA.GAD.No.7570/45.05.018/2007-08
|
15.01.2008
|
Scheme for payment of pension
to Assam Government pensioners by Public Sector Banks - Credit of pension
to Joint Bank Account operated by a pensioner with his / her spouse.
|
24
|
DGBA.GAD.No.11653/45.05.013/2007-08
|
06.05.2008
|
Payment of pension through
Authorised banks – Credit of pension to Joint Account operated by a
pensioner.
|
25
|
DGBA.GAD.No.H
12499/45.05.010/2007-08
|
04.06.2008
|
Scheme for payment of pension
to Uttar Pradesh Government Pensioners by Public Sector Banks- Credit of
pension to Joint Account operated by a pensioner with his / her spouse.
|
26
|
DGBA.GAD.No.H
12656/45.05.010/2007-08
|
05.06.2008
|
Scheme for payment of pension
to Uttarakhand Government Pensioners by Public Sector Banks- Credit of
pension to Joint Account operated by a pensioner with family pensioner/
nominee
|
27
|
Ref.DGBA.GAD.No.H
12704/45.05.005/2007-08
|
11.06.2008
|
Issue of Pension Slips.
|
28
|
Ref.DGBA.GAD.No.H
13024/45.05.006/ 2007-08
|
24.06.2008
|
Scheme for Payment of Pension
to Orissa Government Pensioners by Public Sector Banks - Credit of
pension to Joint Bank Account operated by a pensioner with his / her
spouse
|
29
|
Ref.DGBA.GAD.No.924/45.05.012/2008-09
|
23.07.2008
|
Issue of Pension Slips.
|
30
|
Ref.DGBA.GAD.No.H-1917/45.04.001/2008-09
|
21.08.2008
|
Scheme for Payment of pension
to Telecom pensioners through Authorized Banks-Credit of pension to Joint
Bank Account operated by a pensioner with his / her spouse
|
31
|
Ref.DGBA.GAD.No.1918/45.05.016/2008-09
|
21.08.2008
|
Scheme for Payment of Pension
to Andhra Pradesh Government pensioners through Authorised Banks- Credit
of Pension to Joint Pension Account operated by a pensioner with his /
her spouse.
|
32
|
Ref.DGBA.GAD.No.H-3085/45.01.001/2008-09
|
01.10.2008
|
Recommendations of the
Prabhakar Rao Committee on customer service – Pension Payments.
|
33
|
Ref.DGBA.GAD.No.2090/45.05.015/2009-10
|
01.09.2009
|
Issue of Pension Slips.
|
34
|
Ref.DGBA.GAD.No.H -
7652/45.05.031/2008-09
|
03.03.2009
|
Scheme for payment of pension
to Central Government Civil/Defence/Railway/Telecom/ Freedom Fighters/
State Governments Pensioners by Public Sector Banks-Staggering of pension
payments by PSBs.
|
35
|
Ref.DGBA.GAD.No.H-9326/44.01.001/2008-09,
dated April
|
29.4.2009
|
Issue of Pension Slips /
Updation of Pension Payment Order by Pension paying branches of Agency
banks.
|
36
|
Ref.DGBA.GAD.No.H-10450/45.03.001/2008-09
|
01.06.2009
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
37
|
Ref.DGBA.GAD.No.H-2434/
45.05.031/2009-10
|
15.09.2009
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
38
|
Ref.DGBA.GAD.No.H
2084/45.03.001/2009-10
|
01.09.2009
|
Scheme of Payment of Pension
to Railway Pensioners through Public Sector Banks-issue of Due and Drawn
statement
|
39
|
Ref.DGBA.GAD.No.H
3194/45.01.001/2009-10
|
14.10.2009
|
Scheme for payment of pension
to Central Civil/ Defence/ Railway/Telecom Pensioners/ Freedom Fighters/
State Governments' Pensioners through Public Sector Banks- Facility for
withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners.
|
40
|
Ref.DO.No.CSD.CO/8793/13.01.001/2009-10
|
09.04.2010
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
41
|
DGBA.GAD. No.H-
46/45.01.001/2010-11
|
02.07.2010
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
42
|
DGBA. GAD. No.H- 6212 &
6213/45.01.001/2010-11
|
11.03.2011
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
43
|
Ref.DGBA.GAD.No.H-6493/45.03.001/2010-11,
|
21.03.2011
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
44
|
DGBA.GAD.No.H-74/45.03.001/2011-12
|
05.07.2011
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
45
|
Ref.DGBA.GAD.No.H-6581/45.03.001/2011-12
|
09.04.2012
|
Irregularities in the Railway
pension payment by the public sector banks
|
46
|
DGBA.GAD.No.H- 6760 and 6762/5.01.001/2011-12
|
13.04.2012
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
47
|
DGBA.GAD.No.H-8024 &
8026/45.03.001/ 2011-12
|
06.06 2012
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
48
|
Ref.DGBA.GAD.No.H-8042/45.01.001/2011-12
|
07.06.2012
|
Payment of Central / State
Government pension by agency banks- Settlement of reimbursement claim for
pension payments made.
|
49
|
DGBA.GAD.No.H-562 &
563/45.03.001/ 2012-13
|
27.07.2012
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
50
|
Ref.DGBA.GAD.No.H-1594/45.04.001/2012-13
|
14.09.2012
|
Introduction of Single Window
System for Reimbursement of Telcom Pension Payments.
|
51
|
Ref.DGBA.GAD.No.H-5443/
45.04.001/2012-13
|
19.03.2013
|
Introduction of Single Window
System for Reimbursement of Telcom Pension Payments.
|
52
|
Ref.DGBA.GAD.No.H-7386/45.01.001/2012-13
|
03.06.2013
|
Payment of pension to the
Central Government pensioners- Continuation of either or survivor pension
account after death of a pensioner
|
53
|
Ref.DGBA.GAD.No.H-27/45.01.001/2014-15
|
01.07.2014
|
Redressal of Grievances of
Pensioners
|
54
|
Ref.DGBA.GAD.H.2529/45.01.001/2014-15 dated December 09, 2014
|
09.12.2014
|
Submission of a digital life
certificate based on Aadhaar Biometric Authentication
|
55
|
Ref.DGBA.GAD.No.H 4054/45.03.001/2014-15
|
13.03.2015
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
56
|
RBI/2014-15/587 : DGBA.GAD.No.H – 5013/45.01.001/2014-15
|
07.05.2015
|
Mandatory issue of
acknowledgement to pensioners on submission of life certificates
|
57
|
RBI/2015-16/340: DGBA.GAD.No.2960/45.01.001/2015-16
|
17.03.2016
|
Recovery of excess payments
made to pensioners
|
58
|
RBI/2016-17/319 DGBA.GBD.No.3235/45.01.001/2016-17
|
08.06.2017
|
Recording of PPO Number in the
passbook of Pensioners / Family Pensioners
|
|