Subject : Modified Assured Career Progression Scheme (MACPS) for the Central Government Civilian Employees.
I am directed to refer to this Directorate Office Memorandum of even number dated 18.9.2009 on the above subject mentioned above.
2. In page No 19 of the OM, the following omission has been noticed in illustration No 5:-
(a) In example 4 in Box No 4, the text appearing as "3rd MACP to the grade pay of Rs 4200 on completion of 30 years of service" may be read as "3rd MACP to the grade pay of Rs 4200 on completion of 10 years service in the grade pay of 2800 or 30 years of service, whichever is earlier".
3. This corrigendum is based on illustration No 28B of Annexure I to the OM dated 18 Septemner 2009 which prescribes that if two promotions are earned before completion of 20 year, only 3rd financial upgradation would be admissible on completion of 10 year of service in the grade pay from the date 2nd promotion or at 30th year of service, whichever is earlier.
4. This Directorate OM dated 18 Sep 2009 may be taken as amended accordingly and this change may be brought to the notice of all concerned.
The country's postal department, India Post and the Unique Identification Authority of India (UIDAI) have reached an agreement for the delivery of UID numbers to the citizens, according to a release by the ministry of communications and information technology on Saturday.
A memorandum of understanding (MoU) to this effect was signed between the two on 30 April 2010 under which India Post will deliver the UID communication for a period of two years.
India Post will use its flagship product Speed Post for the purpose and its vast network of over 155,000 post offices, about 90 per cent of which are located in rural areas.
In addition to delivery of UID communication, the postal department will also provide comprehensive business solutions of printing and mailing activities and also perform biometric authentication of each UID letter delivered, whenever or wherever required by UIDAI.
Currently, India Post is successfully implementing the distribution of around 10,000 tonnes of census material from 15 printing presses to nearly 12,000 locations across the country in connection with the 2011 census.
The department will also be responsible for the reverse logistics for collection of filled census forms from these locations and delivery to the designated destinations for processing. The project started in February 2010 will be completed in June 2011
Till not so long ago, post offices were relics of the past where the urban middle class would not venture unless absolutely necessary. The burgeoning private courier companies appeared to be driving the last nail in the coffin of the slowly declining giant. But then, just as hope always triumphs in
The post office management is now getting bolder by the day and big brothers in the government have given it permission to spend Rs 2,000 crore in the next two years to bring in an IT revolution. All post offices will be linked, a core banking solution will be installed and pre-paid cards will be introduced with which you will be able to send money from anywhere to any post office through your cellular phone. All that the person at the other end will have to do to get instant credit is have a savings bank account with his post office.
For that last leg of the operation to be completed, the post office’s savings bank operations will have to be transformed. That can happen in only one way — by converting the financial services operations of the postal department into a proper bank, giving it a banking licence. Banks have well defined procedures and processes, the skills needed to run them are standardised, as are the benchmarks by which they can be judged. And you can easily get the public sector banks to lend a helping hand to enable the Post Bank of India (PBI) to get going. Initially, PBI will be an outreach for the established banks, but over time it should be able to give vigorous competition.
A parliamentary standing committee has again reiterated the demand for such a bank to be set up. And if or when (it is really a matter of time) it is, it will be a behemoth from day one. In financial year 2008, postal savings bank schemes had total outstandings of Rs 3.4 lakh crore, which was second only to the deposits of the State Bank of
Once the post office becomes a bank with a logistical arm and not the other way round, it will be able to bury the canard that it is a loss-making outfit. In 2008, the postal department’s budgetary deficit was Rs 1,511 core. If it were a bank with assets equal to the savings bank liabilities, it should have been able to earn a very modest return on assets of 0.5 per cent, which would have put it at the bottom of the public sector banks league table. That works out to Rs 1,727 core, over Rs 200 core more than the deficit. Right now it is the Government of
Why is it necessary to reinvent the post office and improve the self-esteem of postal employees? The post office with its reach is the best placed to open bank accounts for the beneficiaries of the rural employment programme, recipients of government pensions and the like. The postman remains the best equipped to affirm a person’s proof of residence. Once the banking function of the post office gets going and expands, it will give a boost to India’s financial savings the same way bank nationalisation did and helped push up the national savings rate. The whole scenario is predicated on PBI being run efficiently and on keeping its transaction costs low with the use of information technology and processes for handling no-frill accounts currently being evolved.
The big question is, what does PBI do with its deposits which are relatively costlier as postal rates are higher than banks'. It should remain a narrow bank, eschewing retail and commercial lending and instead investing in secure but relatively high-yielding bonds issued by infrastructure companies looking for longer term funds. PBI could also subscribe to Nabard bonds whose proceeds Nabard could lend to microfinance organisations whose members could get paid through their savings bank accounts with PBI. You have a bit of a virtuous cycle there. An efficient PBI will not only boost financial inclusion but help reduce fraud in social welfare payments. All this must be made to happen
Question : 1
Government sought time to resolve this issue
Question :2
The UDCs (pre-revised scale-Rs.4000-6000) were promoted to the old cadre of tax assistant (pre-revised Scale-Rs.4500-7000) and thereafter to Inspector (pre-revised scale Rs.6500-10500). The old cadre of Tax Assistant was re-designated as Senior Tax Assistant (Pre-revised Scale-Rs.5000-8000) with effect from 20.01.2003. The pay scales of Rs.5000-8000, Rs.5500-9000, and Rs.6500-10,500 have been merged in common pay band of Rs.9300-34800 (PB-2) with grade pay of Rs.4,200 in 6CPC. In these circumstances clarification is required whether the promotions of UDCs, Old Tax Assistants and Old Tax Assistants to Inspectors shall be counted as two promotions or one promotion for the purpose of MACP.
Clarification:
Point No: 6 of annexure to MACP would apply in the cases where pay scale of feeder cadre and promotion cadre were same prior to 1.1.2006 and they were not merged into single grade pay after 1.1.2006. Like wise point no: 5 of Annexure to MACP would apply in the cases where pay scales of feeder cadre and promotion cadre have been merged in 6CPC.
What we get out of this Clarification: Direct UDCs mentioned in this illustration were promoted from the grade of UDC to old tax assistant, which has to be counted for the purpose of MACP since the pre-revised UDC scale was not merged with the higher pay scale. Further, promotion given to them from the grade of tax assistants (Senior TA) to the grade of Inspector should again be counted for the purpose of MACP as the grade of Inspector now is separate with the gradepay of Rs.4600.
Question 3:
Whether the UDCs who got earlier two promotions to the grade of old tax Assistant and Inspector after completion of 5 years and now completed 10 years of service in the grade of Inspectors, are eligible for 3rd financial upgradation after completion of 15 years. Or whether such Inspectors are to be considered for 3rd MACP upgradation after completion of 30 years of service
Clarification:
3rd MACP would be granted to such Officers after completion of 30 years of service or after completion of 10 years of service in the same grade whichever is later.
What we get out of this Clarification:
The analogy behind this clarification is UDCs mentioned in the illustration have been granted two promotions viz., from the grade of UDCs to Tax Assistants and to the grade of Inspectors within the period of 15 years. So, they will be entitled for 3rd MACP on completion of 30 years only.
Question:4
The UDCs (Rs.4000-100-8000) were promoted to the grades of DOS Level II (Rs.5000-15-8000), DOS level I (Rs.5500-200-10500) and Administrative Officer Group B(Rs.6500-34800) with grade payof Rs.4200. Now the said pay scales of Rs.5000-8000, Rs.5500-9000 and Rs.6500-10500 have been merged. In this background whether promotions granted to the said officers are to be counted for MACP?
Clarification:
The situation is required to be dealt with in accordance with Point No: 5 of Annexure to MACP
What we get out of this clarification:
UDCs who preferred the other promotional route that is UDC to Tax Assistant and to Deputy Office Superintendent will be entitled for 2nd MACP in terms of point no: 5 of Annexure to MACP after completion of 20 years of service as they have got only one effective promotion as envisaged in MACP from the grade of UDC to Tax assistants in their total service of 20 years. After 6CPC implementation pay scales of Tax assistants and Deputy Office Superintendents have been merged with the grant of grade pay of Rs.4200.
Question : 5
Whether Administrative of Group B who have completed 10 years of service in the grade of AO after earning three or more promotions, are eligible for grant of MACP in light of para 1 of annexure to MACP which says that financial upgradation under the scheme will be admissible whenever a person has spent 10 years continuously in the same grade pay.
Clarification:
The said officers would not be entitled for MACP
What we get out of this clarification:
This clarification implies that though an officer spent 10 years of continuous service in a grade, his total service and the number of promotions/ACP that could be counted for MACP allowed to him prior to the present grade would actually decide whether he is entitled for MACP now.
Question:6
The superintendents are granted non-functional upgradation i.e. grade pay of Rs.5400 in PB-2 after completion of 4 years of regular service. Whether this non-functional upgradation will be counted for the purpose of grant of financial upgradation under MACP.
Answer: This issue has to be dealt with in accordance with para 8.1 of MACP.
What
Consequent upon the implementation of Sixth CPC’s recommendations, grade pay of Rs. 5400 is now in two pay bands viz., PB-2 and PB-3. The grade pay of Rs. 5400 in PB-2 and Rs.5400 in PB-3 shall be treated as separate grade pays for the purpose of grant of upgradations under MACP Scheme.
What we get out of this clarification:
Though the clarification did not touch the issue directly, it implies that since Para 8.1 confirmed that PB-2 grade pay of Rs.5400 and PB-3 grade pay of Rs.5400 is different, upgradation from PB-2 Rs.5400 to PB-3 Rs.5400 has to be granted in case of an officer is eligible to receive MACP when he is in PB-2 Rs.5400 and non-functional upgradation from the grade pay of Rs.4800 to the gradepay of Rs.5400 after 4 years of service in the grade of Superintendents should not be counted as promotion.
Question:7
Prior to implementation of 6cpc, the superintendents/Inspectors were granted the the second financial upgradation to the pay scale of Assistant Commissioner (Junior Time Scale) in the pre-revised pay scale of Rs.8000-275-13500 under ACP Scheme on completion of 24 years of service.
As per para 8.1 of Annexure 1 of MACP scheme grade pay of Rs.5400 is now in two pay bands viz., PB-2 and PB-3 and they shall be treated as separate grade pays.
In these circumstances whether the aforesaid superintendents/Inspectors are to be placed in the grade pay of Rs.5400 in pay band 2 or pay band 3 ? Clarification is also required whether theseofficers are to be considered for third financial upgradation for the grade pay of Rs.5400 or next higher grade pay of Rs.6600 under MACP
Clarification:
Third financial upgradation would be granted in the grade pay of Rs.6600/- for these officers.
What we get out of this Clarification:
It implies that these officers should have been placed in the grade pay of Rs.5400 (PB-3) prior to grant of 3rd financial upgradation to the grade pay of Rs.6600/- under MACP.
GPF Advance is an interest free loan from your savings in General Provident Fund Account for specified reasons. You need to repay the same into your account in equated monthly installments. No interest shall be charged on the amount so taken as advance. However, you will not be paid any interest on GPF amount taken as advance. Such advances are covered under terms as per sub Rule (1) of Rule 12 of GPF (CS) RULES, 1960.
2. What are the reasons for which GPF Advance can be taken ?
One can take GPF Advance for the reasons of higher education of self, children, legal expenditure, religious vow, obligatory expenses towards betrothal, marriage and other like ceremonies, for purchase of consumer durables such as TV, VCR, washing machines, computers etc.
One can take GPF Advance any number of times in our career. However, At least 4 months time gap will between two advances and 6 months time gap for withdrawals have to be maintained. The sanctioning authority, may relax this rule in exceptional cases depending on the merits of the application.
4. What is the maximum amount that can be taken as GPF Advance ?
The amount taken as GPF Advance at a time cannot exceed one-half of available balance or three months’ pay, whichever is less. The sanctioning authority may, however, permit advance in excess of this limit (up to 75 % of the available balance), in exceptional cases depending upon the merits of the application.
5. If I am still repaying the GPF advance taken earlier, can I take another GPF Advance ?
One can take another GPF Advance when an earlier advance is yet to be repaid completely. However, the amount pending from earlier advance and the proposed next GPF advance shall be consolidated and installments should be re worked and paid accordingly.
6. Is it possible to convert a GPF Advance to a part final withdrawal ?
Yes. A GPF Advance taken can be converted into part-final withdrawal, subject to the fulfillment of conditions / approval of the competent authority.
7. What is GPF Part-final withdrawal ?
GPF Part final Withdrawal means withdrawal of fund from your savings in GPF Account, for specified reasons. This amount need not repaid back to your account. The amount withdrawn shall stand debited from your account forever. Such withdrawals are covered under terms and conditions as per Rule 15 (1)(A) and (B) of GPF (CS) RULES, 1960.
8. What are the reasons for which GPF Withdrawal can be made ?
One can make GPF withdrawal for the reasons of higher education of self, children, legal expenditure, expenses towards betrothal, marriage, purchase of consumer durables such as TV, VCR, washing machines, computers etc. Moreover, withdrawal can also be made for purchase or construction of house, repairs or renovation of house etc. If the applicant has less than 12 months to retire, there is no need to give any reason for withdrawal.
Yes. As per Rule 15 (1)(A) of the GPF Rules, the applicant should have completed 15 years of service, or should have less than 10 years to retire, as the case may be for making withdrawals.
Yes. As per Rule 15 (1)(B) of the GPF Rules, for purchase of a ready built house/flat, purchase of housing site and/or construction of a house, repairs, reconstruction of housing property already owned by employee, and / or for repaying any loan expressly taken for the above purposes etc. the condition of qualifying service does not apply.
Yes. One has to furnish a certificate that the amount withdrawn from GPF have been utilized for the purpose for which it was taken. In case of failure to do so, sanctioning authority may recover the entire advance from the pay in one lump, or in as many instalments he decides fit.
12. What is the maximum amount that can be withdrawn from GPF ?
The amount withdrawn from GPF at a time cannot exceed one-half of available balance or six months’ pay, whichever is less. The sanctioning authority /Head of the Department may, however, permit an advance upto 75% of the available balance, in exceptional cases depending upon the grounds of application. The withdrawal upto 90 % of the available balance is permitted in case of purchase/construction of house / arranging marriage of son or daughter etc.
13. How the rate of interest for GPF is fixed?
Rate of Interest for General Provident Fund is fixed every year by the Government. The present rate of interest is 8%.
14. Whether deposits made in General Provident Fund is exempted from attachment?
In terms of Section 60(1) of Civil Procedure Code, 1908 Deposits made in General ProvidentFund has got immunity with regard to attachment under a decree or order of a court of law.
15. Whom should be we nominate for receiving the amount remains in our GPF account after our death ?
Every government servant should submit nomination in the prescribed form immediately on joining the Fund. While an employee not having family may nominate any other person, the nomination should be in favour of family member(s) only in the case of one having family. The subscriber may provide in the nomination that the nomination shall become invalid in the event of the happening of a contingency specified therein e.g. a bachelor may nominate his father or mother. He can specify in the nomination that the nomination will become invalid in the event of his subsequently getting married. If the nomination is made in favour of more than one person, the proportionate share in which the amount will be payable should be specified clearly in the relevant column. At any time, the nomination may be canceled by the government servant.
16. Who are all our family members as per General Provident (CS) Rules 1960 ?
‘Family’ includes, spouse, parents, children (including adopted child/ward), minor brothers, unmarried sisters, deceased son’s widow and children and where no parents of the subscriber is alive, a paternal grandparent.
