SO FAR VISITED

SO FAR VISITIED
please visit postalguide100.blogspot.in - Solved question Paper IPO 2012 Paper III and model question papers for various examination

Monday, May 31, 2010

FIXED MEDICAL ALLOWANCE FOR NON-CGHS PENSIONERS ENHANCED WITH EFFECT FROM 1.9.2008 BY THE GOVERNMENT


Dear Comrades - The Department of Pension and Pensioners' Welfare has enahnced the quantum of Fixed Medical Allowance granted to Central Government Pensioners who are residing outside the CGHS area from Rs.100/- to Rs.300/- with effect from 1.9.2008.
Confederation and Staff side have demanded the enhancement to at least to Rs.600/- or Rs.500/- - But the Government has enhanced it to only Rs.300/- which is far short of our demand.

Friday, May 28, 2010

SOME OF THE MACP RELATED ANOMALIES

SOME OF THE MACP RELATED ANOMALIES HAVE BEEN DISCUSSED IN THE
FIRST MEETING OF THE JOINT COMMITTEE CONSTITUTED BY THE
NATIONAL ANOMALY COMIITEE ON 25/05/2010



The Circular released by the Secretary General Confederation communicating the issues discussed in the meeting and the results thereof is placed in the website of Confederation as well as placed hereunder for your information. The issue of "Discounting the examination based promotions while granting MACP to protect the Promotees against deprivation of any MACP to them" was not discussed in the meeting yesterday. NFPE has discussed the issue with the President Confederation Comrade S.K.Vyas and he has assured that this item would be raised in the next meeting of the Joint Committee that may take place very soon.


Circular No.12

A joint Committee on MACP met today under the chairmanship of Joint Secretary Establishment of DOPT. Following issues were discussed:

1.
Item No:1: Provide Grade Pay of the next promotional post under MACP.
Staff Side pressed for placement in the Grade Pay of the Promotional Post instead of next higher Grade Pay in the hierarchy of revised Pay Band and Grade Pay. It was insisted because the career progression only means the promotion in the hierarchy and not to a Grade Pay which is not present in the hierarchy of the respective department.

The Staff Side also gave an alternative that first two MACPs after 10 and 20 years should be to the next promotional post as per the hierarchy of respective department as under the erstwhile ACP scheme and thereafter the third MACP in the next Grade Pay of the Revised Pay Band and Grade Pay.

2.
Item No:2:Date of Effect.
It was demanded that MACP scheme may be introduced with effect from 1.1.2006. A scheme which has been recommended by the 6th CPC will be not available to those employees who have opted for revised pay scales w.e.f. 1.1.2006 but had retired or died before 1.9.2008, which is very anomalous.

3. Item No:3:Option for earlier ACP Scheme.
Staff Side pointed out that the benefit which employees were getting through two ACPs after 12 and 24 years of service is much higher than the benefit that they will get under MACP after three financial upgradations. It was therefore urged that the service conditions which were available to the existing employees cannot be adversely revised and if that happens then an option to retain the old scheme is inherent. And if the present MACP is not converted to hierarchical pattern, then at least an option may be given to retain the erstwhile scheme of ACP.

4. Item No:7:Grant of financial upgradation between 1.1.2006 and 31.8.2008.

In Para 9 of the DOPT OM dated 19.5.2009, it had been provided that earlier ACP scheme will continue to operate for the period from 1.1.2006 to 31.8.2008. However, this is not being allowed to officials who have opted for revised Pay Band and Grade Pay with effect from 1.1.2006. In some offices, it is being insisted that financial upgradation under the earlier ACP would be granted only in the pre-revised pay scales and they will have to opt for the revised pay scales only from the date they are granted the financial upgradation under earlier ACP. It was demanded that earlier ACP benefit may be given also to those officials who have come over to the Revised Pay Band and Grade Pay with effect from 1.1.2006.

5. Item No:8:Anomaly on introduction of MACP Scheme.

By an illustration in respect of Junior Engineer of CPWD, it has been pointed out that under earlier ACP they will go up to the revised Pay Band 3 with Grade Pay of 6600/- on completion of 24 years of service, whereas under the MACP Scheme, even after 30 years of service and getting third MACP they will get the Grade Pay of 5400/- only in PB-2. This is obviously less advantageous and therefore the demand for option to retain the old ACP scheme has been insisted.
The Official Side indicated that they will consider all these demands and in the next meeting they will indicate how far they can go.

6.
Item No:4: Applicability of MACP Scheme to Group D employees who have been placed in the Grade Pay of 1800/-.

The DOPT had already stated that all promotions and upgradations granted under ACP Scheme of 1999 in the post of four pay scales S-1, S-2, S-3 and S-4 shall be ignored for the purpose of MACP. In other words all the three MACP will be available to all the Group D employees who have since been placed in the grade pay of 1800/-. If an employee has completed 10 years of service he should be granted the GP of 1900/-; if completed 20 years of service he should be granted the GP of 2000/-; and if he has completed 30 years of service he should be placed in the GP of 2400/-. In some departments these MACP has not been granted to the Group D employees. The staff side therefore insisted an enabling clarificatory instructions may be issued. The Official Side agreed to issue such clarificatory instructions.

7. Item No:5: Counting 50% of service rendered by Temporary Status CLs for reckoning 10,20, and 30 years of service under MACP scheme.

It was pointed out that the Railways have already issued orders for counting 50% of service rendered by Temporary Status Casual labourers for reckoning 12 and 24 years of service under the old ACP scheme. It was also pointed out that Courts have also ordered that total service rendered as TS CLs may be counted for the purpose of ACP. The Official Side were of the opinion that 50% of service rendered by TS CLs has been counted only for the purpose of pension. The Staff Side pointed out that the TS CLs have been granted all the facilities admissible to a Temporary Employee in respect of leave, increment, pay scale etc and therefore this may be deemed as a regular service for the purpose of MACP also as has been done by the Railways. The Official Side wanted the order of the Railway Department regarding ACP and the Orders of the Courts for their examination.

8. Item No:6: Supervised staff placed in higher Grade Pay than that of the supervisor.
The Staff Side suggested that this item may be transferred to National Anomaly Committee item and discussed there. This has been agreed to.
There are 23 more items which have been suggested by the Staff Side leaders of Railways. It was pointed out that leaders of other departments may also suggest many other anomalies related to MACP. The Staff Side stated that as and when these additional items are received they may be included in the Agenda for discussion in the subsequent meetings. The Official Side agreed to.

Monday, May 24, 2010

Modified Assured Career Progression Scheme (MACPS) for the Central Government Civilian Employees.

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.

Thursday, May 20, 2010

Revision of Pay Scale of BSNL


Revision of Pay Scale of BSNL

BHARAT SANCHAR NIGAM LIMITED
(A Govt. of India Enterprise)
5th Floor, Harish Chander Mathur Lane, New Delhi - 110001
OFFICE ORDER (No. 10 of 2010)
File No. 1-16/2010-PAT (BSNL) Dated 07-05-2010

Sub: Revision of Pay Scales for Non-Executives Employees in BSNL w.e.f.01.01.2007

1.0 In prusuance of Agreement dated 07-05-2010 singned on behlaf of the BSNL Management with the representative union of non-executives employees of BSNL in terms of Department of Public Enterprises OM No. 2(7)2006-DPE(WC)-GL-XIV dated 09-11-2006, the undersigned is directed to convey the approval of the competent authority that the revised IDA Pay Scales in replacement of existing IDA Sclaes of Non-executive employees of BSNL effective from 01-01-2007, will be as under :
Sl.No. Grade Existing IDA Pay Scales(Rs.) Revised IDA Pay Scales(Rs.)
1 NE-1 4000 - 120 - 5800 7760 - 13320
2 NE-2 4060 - 125 - 5935 7840 - 14700
3 NE-3 4100 - 125 - 5975 7900 - 14880
4 NE-4 4250 - 130 - 6200 8150 - 15340
5 NE-5 4550 - 140 - 6650 8700 - 16840
6 NE-6 4720 - 150 - 6970 9020 - 17430
7 NE-7 5700 - 160 - 8100 10900 - 20400
8 NE-8 6550 - 185 - 9325 12520 - 23440
9 NE-9 7100 - 200 - 10100 13600 - 25420
10 NE-10 7800 - 225 - 11175 14900 - 27850
11 NE-11 8570 - 245 - 12245 16370 - 30630
SOME SALIENT FEATURES OF THE REVISION OF PAY SCALES FOR NON-EXECUTIVES EMPLOYEES IN BSNL...
2.0 Fitment Method :
2.1 Non-executives who where in the pre-revised non-executive pay scales before 01.01.07 will be placed in the corresponding revised non-executive pay scales as per the fitment formula given in para 2.3 below.
2.2 Non-executives joinging on or after 1.1.2007 will be placed in the initial stage of the revised pay scale in which they are appointed. In cases where emoluments in the pre-revised pay scale(s) on the date of joining BSNL [i.e. Basci Pay + DP/DA applicable on the date of joining] exceeds the sum of the pay fixed in the revised pay scale and applicable IDA thereon on the same date, the difference will be allowed as Personal Pay and it will be absorbed in future increments.
2.3 Fitment in the revised scale shall be made applicable as per following formula :
a) Basci Pay in the Pre-revised pay scale as on 01.01.2007 Plus
b) IDA neutralisation @ 68.8% on Basic Pay
c) Fitment benefit @ 30% on [Basic Pay + IDA(68.8%)]
d) The amount so arrived at, rounded off to the next multiple of 10 Rupees, shall be the Basic Pay in the revised pay scale.
2.4 Where non-executives drawing pay at two or more consecutive stages in the existing pay scale get bounched, then, in the revised IDA pay scale for every two stages so bunched, benefit of one increment will be given.
2.5 As per the fitment method mentioned in para 2.3 and para 2.4 above, scale-wise tables as on 01.01.2007 are enclosed as Annexure-I.
3.0 Annual Increment / Stagnation Increment / Pay Fixation on Promotion.
3.1 Annual Increment will be at the rate of 3% of the revised basic pay and will be rounded off to the next 10 Rupees.
4.0 Dearness Allowance :
100% DA neutralization will be adopted for all the non-executives, who are on IDA pattern of scales of pay w.e.f. 1.1.2007. Thus DA as on 1.1.2007 will become zero with link point of All India consumer Price Index(AICPI) 2001=100, which is 126.33 as on 1.1.2007. The perodicity of adjustment will be once in three months, as per the existing practice for these categories. The quarterly IDA payable from 1.1.2007 will be as per new IDA scheme as given below:-

Date of Dearness Allowance Rate of Dearness Allowance (in percentage)
01.01.2007 - 0
01.04.2007 - 0.8
01.07.2007 - 1.3
01.10.2007 - 4.2
01.01.2008 - 5.8
01.04.2008 - 6.3
01.07.2008 - 9.2
01.10.2008 - 12.9
01.01.2009 - 16.6
01.04.2009 - 16.9
01.07.2009 - 18.5
01.10.2009 - 25.3
01.01.2010 - 30.9
01.04.2010 - 34.8

5.0 House Rent Allowance:
The house rent allowance to the non-executive employees of BSNL will be at the following rates and will be payable on revised pay w.e.f. 27th February, 2009 :-
Cities with Population - Rates of HRA
50 Lakhs & above - 30% of Basic Pay
5 to 50 Lakhs - 20% of Basic Pay
Less than 5 Lakhs - 10% of Basic Pay

6.0 City Compensatory Allowance (CCA)
CCA stands dispensed w.e.f.27.02.2009. The amount equal to CCA already paid to some employees in accordance with this office letter No.1-22/2009-PAT(BSNL) dated 04-06-2009, shall be adjusted against the pay revision arrears.

7.0 Perks and Allowance:
Perks & allowances will be paid as per existing regulatory conditions applicable in case of particular perks/allowance to the non-executive employees as per the details given below, with effect from 07.05.2010.
7.2 Allowances:
7.2.1 Transport Allowance
Existing amount will continue. It will be reviewed on 01.01.2012 or as and when Transport Allowance for executives in general in BSNL is revised, which ever is earlier.
7.2.2 Transport Allowance for handicapped employees
Existing amount will continue. It will be reviewed on 01.01.2012 or as and when Transport Allowance for executives in general in BSNL is revised, which ever is earlier.
7.2.3 Special (Duty) Allowance, Island Special Duty Allowance, Hard Area Allowance
Existing amount will continue on revised basic pay. The eligibilities and attendant conditions will be applicable as in the case of BSBL Executives.
7.2.4 Special Compensatory (Remote Locality) Allowance, Special Compensatory (bad climate) Allowance, Special Compensatory (HIll Areas) Allowance, and Scheduled / Tribal Area Allowance.
Existing amount of allowance as applicable to the relevant pre-revised pay slabs will be increased by 75%. The eligibilities and attendant condtions will be applicable as in the case of BSNL Executives.
7.2.5 City Maintenacne Allowance.
Existing amount of allowance stands increased by 50%.
7.2.6 Cash Handling Allowance.
Existing amount of allowance stands increased by 50%.
7.2.7 Escort Allowance (Gr. D accompanying Cashier)
Existing amount of allowance stands increased by 50%.
7.2.8 Children Education Allowance and Hostel Subsidy.
Existing rates & amount will continue
7.3 Perks Specific in BSNL:
7.3.1 Food Allowance - Discontinued
7.3.2 Skill Up-gradation Allowance - In order to help non-executive employees of BSNL up-grade their skills, a new allowance @ 2% of revised basic pay per month will be paid
7.3.3 Rural Duty Allowance - Existing amount will continue
7.4 Other Misc. Allowance:
7.4.1 OTA - Existing rate will continue. It will be reviewed on 01.01.2012
7.4.2 TA, DA and Hotel Rates - Existing rate will continue. It will be reviewed on 01.01.2012 or as and when these allowances are revised for executives in general in BSNL, whichever is earlier.
7.4.3 Training Allowance - The rate of Training Allowance stands modified to 7.5% of revised basic pay
7.4.4 Fixed Conveyance Allowance - Existing amount of allowance stands increased by 50%

7.5 Holidays, Leave, Working Hours and LTC etc.
7.5.1 Holidays and Casual Leave - Existing arrangement in respect of non-executives employees will continue.
7.5.2 Earned Leave, Half Pay Leave & Commuted Leave - Existing arrangement in respect of non-executives employees will continue.
7.5.3 Paternity Leave - Existing arrangement in respect of non-executives employees will continue.
7.5.4 Working Hours - Existing arrangement in respect of non-executives employees will continue.
7.5.5 LTC - Existing arrangement in respect of non-executives employees will continue.
7.5.6 Earned Leave Encashment - Existing arrangement in respect of non-executives employees will continue.
7.5.7 Uniform, Stiching Charges, Rain Coats, chappals, Shoes, Washing Allowance etc. - Existing arrangement will continue till an alternate policy is worked out by a joint committee of Management and staff side.
7.5.8 Family Planning Increment - Existing amount on corresponding pre-revised scale will continue. It will be revised as and when such revision takes place for Executives.
7.5.9 Other Special Pay Existing in BSNL - Existing rates / amount on corresponding pre-revised scale will continue. It will be revised as and when suchrevision takes place for Executives

Tuesday, May 18, 2010

POSTAL JCA CIRCULAR ON ITS PROGRAMME OF ACTION INCLUDING INDEFINITE STRIKE

POSTAL JOINT COUNCIL OF ACTION

National Federation of Postal Employees
Federation of National Postal Organisations
All India Postal Extra Departmental Employees Union
National Union of Gramin Dak Sewaks


Postal JCA/1/2010 Dated 15th May 2010

Nationwide Demonstration and Strike Notice Serving on 4th June
Postcard Campaign and Meet the Public Personalities from 8th to 15th June
Black Badge Wearing and Demands Highlight Day on 29th June
Non-cooperation from 5th to 9th July
Golden Jubilee of 1960 Strike on 12th July & Strike Rally on 12th July
Indefinite Strike from July 13th

Dear Comrades / Colleagues,

The All India Postal Joint Council of Action consisting of NFPE and FNPO Federations and their Affiliated Unions and Associations and the All India Postal Extra Departmental Employees Union & the National Union of Gramin Dak Sewaks met on 14th May, 2010 in New Delhi.

The opening up of new attacks on the Postal Services and Staff and the highest order of unilateralism in taking various decisions against the interest of Postal Employees and the Postal Services as well as the gross violation of its own agreements by the Administration were the major points of deliberation in the JCA Meeting. Various other staff problems that are not receiving any real attention for long time also engaged the attention of the Postal JCA.

The Mckinsey Multinational Consultant has been appointed by the Department for effecting Structural Reorganisation! No interaction with the Staff Side has taken place nor is the Staff Side provided with any materials related to the terms and reference of the said MNC Consultant. It is widely believed that in the name of 'McKinsey' serious attacks on the RMS and Postal Structure are in the offing. Already the Department has unilaterally pushing ahead with its retrograde move of abolition of 'C' Class Post Offices in the urban areas all over India. It has also ordered down gradation of all GDS SOs into GDS BOs and closure of GDS BOs in the name of merger/upgradation. The direction of the Department is for the total destruction of 'RMS' wing and merger of the entire RMS with the Post Offices is already visible and the McKinsey is expected to nail the coffin soon. Some Circle Administrations are so impatient that even before the McKinsey report; they want to commence the attack on the RMS in violation of the agreement reached on 30th November 2009. Outsourcing of several Postal Operations like Mail Conveyance, Processing of Speed Post Articles, Data Entry Operations of several works have been accentuated.

On the other hand the Department is not coming forward to convene the meetings of Departmental Council JCM and Periodical Meeting with the Federations at the National level. Unilateral decisions like piecemeal cadre restructuring of Postmasters Cadre is being resorted to ignoring the comprehensive cadre restructuring of Group 'C' as like Railways and other Departments. Under the Project Arrow the employees are squeezed and exploited in violation of Rules and in the name of 100% delivery performance. Shortage of staff continues to haunt the services in spite of the removal of Screening Committee. The attack on the Postal Staff continues in the name of decentralization of PLI/RPLI work and no additional staff was granted to any Divisional Office anywhere for the additional work. Due to application of conditions in a mechanical way, the MACP is being denied to hundreds of Postal Employees. On one side the discrimination between the Drivers of Parliament Secretariat and MMS Drivers is created by the Government and on the other side no posts of Drivers are recruited and the existing Drivers are forced to work beyond human limits in MMS by the Department of Posts. The System Administrators are also forced beyond human endurance and they are treated as the middle ages slaves by the administration. Unilateral tightening of work norms and non-creation of work norms for several works performed by GDS is causing reduction of wages to GDS. The GDS are discriminated against on several issues despite many judgments of Court of Law and the justice continues to be denied to all types of Casual Labourers. We live in an environment of total suffocation and the Staff Side is fully side lined and ignored and the voice of the Staff Side is not heard at the higher level of Administration!

It is in this background,, the Postal JCA has come to the unanimous conclusion to undertake an All India Strike Campaign Tour during the months of June and July and unleash a series of Programmes to effect full mobilisation of Postal Employees for embarking upon a nationwide Non-cooperation Programme culminating in an Indefinite Strike from 13th July 2010. The Programme of Action and the Indefinite Strike will be for realisation of the following Charter of Demands:

CHARTER OF DEMANDS

1. Drop the move to outsource any function of the DoP including on the recommendations of McKinsey – Cancel the decision to close down 'C' Class Post Offices – Cancel the orders for down gradation of EDSOs into ED BOs and closure of EDBOs - Roll back steps of privatisation of speed post processing and mail conveyance and data entry work.
2. Stop violations in the Agreements on Status Quo of RMS & MMS as well as the merger of RMS with less than 10,000 mails – Create scientific norms for the work in CRC, Speed Post, Logistics and EPP – Cancel the orders for replacing the General Line HSG-I by ASPOs in Mail Offices.
3. Holding of JCM Departmental Council meetings; Periodical Meetings with Federations; Sending of the issue of discrimination of pay scales between the Telecom TBOP/BCR and Postal TBOP/BCR w.e.f. 1.1.1996 to Board of Arbitration; and Holding of GDS Committee Meetings periodically with GDS Unions.
4. Stop harassment of staff under Project Arrow – No extraction of work against Rules – No extraction of work beyond 8 Hours – No drafting of staff on duty and for Training etc on Sundays and Holidays – No harassment in the name of 100% Delivery – Withdrawal of all Punishments awarded to Postmen for minor non-delivery of articles.
5. Fill up all vacant posts: [a] Undertake reassessment of vacancies in PA/SA cadre to rectify mistaken calculation of vacancies in all circles; [b] Fill up all vacant posts in all cadres in Department of Posts [Postal, RMS, MMS, Admn, Postal Accounts, SBCO, Civil Wing etc] as on 31.12.2009; [c] Allow local recruitment as one time measure in Postal Accounts similar to 1997 at Sundernagar.
6. Comprehensive Cadre Restructuring of Group 'C' employees in PA/SA Cadre; [b] Withdrawal of unilateral orders on piecemeal cadre restructuring of Postmasters' cadre until comprehensive Cadre Restructuring of PA/SA cadre is completed; [c] Comprehensive Cadre Restructuring of LDC, Sorters & DEOs in Postal Accounts by amalgamation into a single Accounts Assistants cadre in the pay of Pb-1 with 2400 GP; [d] Comprehensive cadre Restructuring of PA/SA cadre in SBCO; and [e] Comprehensive cadre restructuring of Postmen/Mailguard/Multi Task Staff.
7. Grant of Pension, Departmental status to GDS extending the all benefits such as HRA/CCA, ACP etc, including Trade Union rights and welfare measurers – Remove discrimination on Bonus ceiling – Modify the 20,000 unilateral imposition of cash handling work points for GDS BPMs – Withdraw orders denying revised TRCA w.e.f. 1.1.2006 in respect of BPMs – Compute work norms to all types of work performed including NREGS, PLI,RPLI, Pension Payments etc to GDS – Implement enhanced Social Security to GDS like Ex-Gratia Gratuity and Severance Amount w.e.f. 1.1.2006.
8. Grant of Parity in Pay Scale [PB-1 with GP 2400/-] for MMS Drivers on par with Drivers of Parliament Secretariat – Recruitment of adequate number of Drivers – Sanction of OSA for the long distance logistics van drivers of MMS – Technology training to Work Shop staff and grant of Data Entry Operators scale of pay to Work Shop Staff.
9. Implement Supreme Court Orders for revision of wages from 1.1.2006 [6th CPC wages] to all RRR Candidates, Casual Labourers, Contingent staff, GDS Substitutes etc – Grant Temporary Status to eligible Full Time Status Casual labourers; Convert Part Time into Full Time; Absorb Full Time, Part Time, contingent in vacant GDS Posts.
10. Fill up all vacancies of Postmen and Mailguards - Roll back the unscientific scheme of Single Postman Beat System – Modify certain unscientific work norms of Postmen / MTS finalised by Work Study Unit - Enhance the Postman Double Duty Allowance as per the recommendations of 6th CPC.
11. Remove all local anomalies in MACP Scheme like application of benchmark for the period prior to introduction of MACP Scheme; Grant MACP on 'Average' benchmark like Department of Railways; Denial of MACP for acts of denial of regular promotion earlier to introduction of MACP; Denial to grant PB-2 while upgradation to Grade Pay 4200 and above to Group 'C' Officials etc.
12. Creation of System Administrators Cadre with higher pay scales and absorption of all System Administrators in the new cadre during initial composition – Uniform Norms for System Administrators including work hours, number of systems, distance factor – Financial compensation for special and extra work performed by System Administrators.
13. Early finalisation of Recruitment Rules for upgraded Group 'C' in PB-1 with 1800 GP – Ensure present system of absorption of GDS and TS CLS in Group 'D' posts into the new RR without insisting for the educational qualification – Filling up all the posts of Multi Tasking Staff without any delay.
14. Amalgamation of Group 'C' Accounts Cadres of DoP and DoT.
15. Roll back of the Decentralisation of PLI/RPLI work – Augment required staff strength in PLI branch of CO/RO/DPLI –Maintain centralized accounting system through the Office of DPLI Kolkata – Fill up the vacant posts of COs/ROs/DPLI Kolkata to manage huge shortage;
16. Parity of scale of pay of Ministerial Cadre in Postal Civil Wing on par with the Postal Assistants and upgradation of posts of Works Clerk Grade –II/Grade-I/Head Clerk – Filling up of all vacant posts of technical as well as ministerial posts – Creation of one Civil Wing Circle for each Postal Circle.
17. Regularise the HSG-I, HSG-II, LSG arrangements and grant Officiating Pay & Allowances to all Officials holding the posts.

PROGRAMME OF ACTION

Dear Comrades / Colleagues,

The patience of Postal Employees is grossly misunderstood by the Postal Administration as our weakness and a licence to impose whatever retrograde policies they could think of. Time has come to unite as one man and raise our strong voice against all kinds of humiliation. Let us mentally get prepared for a sustained struggle by accepting all sacrifices. No advancement was achieved without sacrifices and no advancement is possible without further sacrifices. We have presented a united platform of struggle and it is now the responsibility of the rank and file to get organised with all their ideological and other differences left aside in the common interest of all of us. We call upon you to undertake all measures unitedly by forgetting all local differences and stand as one Man with full determination. Our each and every programme decided by the Postal JCA has to be taken to the last employee of the department. Every programme has to be converted into a total success.

· On 4th June when the CHQ issues Notice of Indefinite Strike to Department, all levels of our Organisations shall serve the copy of Strike Notice to respective Administration by organising massive demonstrations.
· All India Strike Campaign Tour by CHQ leaders [Details soon to be circulated]
· The Postcard Campaign and Meet the Public Representatives like M.Ps/M.L.As shall be a tremendous success to put pressure on the Department. [Text of Postcard Campaign enclosed as Annexure.]The Honourable Members of Parliament and Members of Legislative Assemblies may be submitted a copy of this JCA Letter seeking their kind intervention to write to Shri.A.Raja Honourable MOC&IT for settlement of our justified demands.
· Black Badge wearing and Demands Highlights Day on 29th June, 2010 to draw the attention of the Government about our determination to go on strike. [Text of Badge is supplied in the Annexure]
· The Non-cooperation Programme from July 5-9 shall show to the Government / Department that without our cooperation it will not be possible for the Department to run the show anywhere including Project Arrow Offices and Speed Post Centres etc. The Non-cooperation programme should clearly prove that if we work according to Rules then the functions and operations will come to a standstill. This Programme should be a prelude to the success of the Indefinite Strike from 13th July.
· Indefinite Strike from 06.00 Hrs on 13th July 2010.

United we win! Divided we fall! Unite to win!!

With Struggle Greetings,


K.RAGAVENDRAN D.THEAGARAJAN
SECRETARY GENERAL NFPE SECRETARY GENERAL FNPO


K.V.SRIDHARAN D.KISHANRAO
GENERAL SECRETARY P3[NFPE] GENERAL SECRETARY P3 [FNPO]


ISHWAR SINGH DABAS T.N.RAHATE
GENERAL SECRETARY P4 [NFPE] GENERAL SECRETARY P4 [FNPO]


GIRI RAJ SINGH D.THEAGARAJAN
GENERAL SECRETARY R3 [NFPE] GENERAL SECRETARY R3 [FNPO]


P.SURESH A. SIDDIQUE
GENERAL SECRETARY R4 [NFPE] GENERAL SECRETARY R4 [FNPO]


PRANAB BHATTACHARJEE O.P.KANNA
GENERAL SECRETARY ADMN [NFPE] GENERAL SECRETARY ADMN [FNPO]


P.RAJANAYAGAM P.U. MURALIDHARAN
GENERAL SECRETARY AIPAEA [NFPE] GENERAL SECRETARY NUGDS


S.S.MAHADEVAIAH
GENERAL SECRETARY AIPEDEU

Sunday, May 16, 2010

POSTAL JCA OPTS FOR AN INDEFINITE STRIKE OF POSTAL EMPLOYEES



NFPE - FNPO - GDS Unions came together under the
banner of Postal Joint Council of Action once again
Considering the mounting attacks on the Postal Services and Staff and the total unilateralism on the part of the Department of Posta on all major issues as well as non-settlement of several major issues of Postal Employees, the Postal JCA came to the conclusion that there is no alternative before the Postal Trade Union Movement than organise a sustained movement of Postal Workers
Indefinite Strike would commence from 13th July 2010 followed by a nationwide Non-cooperation Movement - The Programme of Action containing several stages will commence from 1st June 2010 when the Strike Notice would be served on the Department at Directorate as well as at all levels of Postal Administration.
Full Circular of Postal JCA containing the issues - Charter of Demands -
Programme of Action would be placed in our websites after the same is
approved by the Postal JCA within a day or two.
Get Ready for Action - Get organised for defending our existence - Get ready for sacrifices and advancement

Wednesday, May 12, 2010

INDIA POST TO DELIVER UID NUMBERS

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

India’s postal system is a huge asset which is currently under-utilised, under-skilled and under-developed

India’s postal system is a huge asset which is currently under-utilised, under-skilled and under-developed. The 1.5 lakh post offices in a country of 6.4 lakh villages (that’s where the post office really matters) represent a reach unmatched by any other organisation. If it is developed and used well, it can give a leg-up to those parts of the country and their denizens who have benefited the least from the high growth of the post-reform period.

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 India, the post office began to change. It gave itself a new logo, prominent urban post offices began giving themselves a new look and you could spot PCs across counters.

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 India that stood at Rs 5.4 lakh crore. (ICICI Bank came third at Rs 2.4 lakh crore deposits.) In the same year, postal mail traffic fell by 4 per cent. So did the number of money orders, by 8 per cent, but their total value went up by 7.8 per cent. Simultaneously, the post office’s “business development activities”, the cumbersome name for newer services like Speedpost, grew revenues by 24 per cent to almost a quarter of the department’s total revenue. So like it or not, the post office is changing. It only makes sense to get it to change the right way.

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 India and the finance ministry that keep the postal department poor. All the deposits go to the central exchequer, to be passed on to states as loans in proportion to their small savings. The department earns a fee to run the inefficient and archaic savings bank system.

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

Monday, May 10, 2010

Revision of amount of security for GDS

The Department of Posts vide letter no 6-18/2010-PE-II dated 07-05-2010 has revised the amount of security to be furnished by Gramin Dak Sevaks as under:

1. GDS BPMs from Rs 10000/- to Rs 25000/- 2 Other GDS from Rs 5000/- to Rs 10000/-

The security will be furnished in the form of Fidelity Guarantee Bond or National Savings Certificate pledged to the Department or in the shape of Bank Guarantee from any nationalized Bank. The present periodicity of yearly renewal- of the Fidelity Guarantee Bond is revised to once in 5 years (quinquinnelly).The required premium for-5 years' block may be recovered and the Fidelity Guarantee Bond obtained for full 5 years block from the recognized Cooperative Credit Society.

-

Saturday, May 8, 2010

NEW PENSION SCHEME

New pension scheme
1) REGULATED BY PFRDA. (PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY)
TYPES:
TIER I: PURE PENSION SCHEME
TIER II: INVESTMENT SCHEME (CAN BE WITHDRAWN AT ANY TIME)
BOTH: COMBINATION OF TIER I AND TIER II
WHO CAN JOIN
GOVT EMPLOYEES JOINED AFTER 1.1.04 (EQUAL CONTRIBUTION FROM GOVT)
GOVT EMPLOYEES JOINED PRIOR TO 1.1.04 (NO CONTRIBUTION)
OTHER CITIZENS (NO CONTRIBUTION) OF AGE 18-55.
TIER I:
MIN : Rs. 500/- (MULTIPLES OF Re.1/- )
MAX : NO LIMIT
On attaining age 60, 60% will be paid and 40% will be annutized for monthly pension.
If closed before the age of 60, 80% will be paid and 20% will be annutized.
TIER II:
MIN : Rs. 1000/-
MAX: NO LIMIT
Lock up period: Nil
As the Govt. Employees joined after 1.1.04 are already having Tier I account, they can open only Tier II.
CONDITION:
• Contributions can be made subject to the following conditions :-
• Minimum Amount per contribution - Rs. 500/-
• Minimum Contribution per year - Rs. 6,000/-
• Minimum Number of contributions - 04 per year.
If the above conditions are not fulfilled, Rs. 100/- will be deducted from the balance.
• NPS offers Subscribers two approaches to invest their account :-
• Active Choice : Individual Fund.
• (Equity (not more than 50 %), Corporate bonds and Govt Securities)
• Auto Choice. : Lifecycle Fund.
WHO MANAGES THE FUND?
• ICICI Prudential Pension Funds Management Company Ltd.,
• IDFC Pension Fund Management Company Ltd.
• Kotak Mahindra Pension Fund Limited.
• Reliance Capital Pension Fund Limited.
• SBI Pension Funds Private Limited.
• UTI Retirement Solutions Limited.
• LIC Pension Fund Limited.
Forms for opening of NPS:
1) Subscriber applying fresh Tier-I and Tier-II account: Composite Application Form(CAF) UOS-S1.
2) Subscriber who has been registered for Tier-I and issued a PRAN (Permanent retirement account Number) card: Form UOS-S10.
3) NCIS (NPS contribution Instruction Slip)
4) S1 – Application for PRAN
FORMS SHOULD BE FILLED IN BOLD LETTERS AND IN BLACK INK ONLY
SHOULD BE SIGNED ONLY INSIDE THE RECTANGLE PROVIDED.
RS. 23/- IS TO BE COLLECTED IN ADDITION TO EACH TRANSACTION AS WELL AS FOR ALL TYPES OF SERVICE VIZZ.. CHANGE OF NOMINATON, BANK DETAILS, SWITCH OVER TO OTHER POINT OF PRESENCE (ie.. Postoffice to Banks etc..) ETC..
COLLECTED IN EPAYMENT…
NODAL OFFICE : PTC MYSORE.
DISPOSAL OF FORMS:
Except NCIS form all forms viz.. application forms, KYC documents
like ID Proof, Age Proof, Residential Proof etc.. should be forwarded to Facilitation Centre.

Wednesday, May 5, 2010

Certain Key Clarifications on MACP Scheme

Certain Key Clarifications on MACP Scheme

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 Para 8.1 of MACP says:
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.

Monday, May 3, 2010

GPF FAQ

1. What is a GPF Advance ?

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.

3. How many times in a year GPF Advance can be taken ? Is there any limit in the same during whole of our service?

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.

9. Is there any qualifying service ( or minimum length of service) for an employee to make withdrawal from fund ?

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.

10. Are there any chances of making withdrawal even if the applicant does not posses the qualifying service ?

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.

11. Should we submit any utilization certificate or completion certificate after taking GPF withdrawal ?

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.

LinkWithin

Related Posts Plugin for WordPress, Blogger...