COLLECTION OF FORMS FROM
POSB CUSTOMERS
Incentive structure (per
form collected) for PMSBY
PMSBY :-
GDS/Postman/Counter PA-
Rs.0.50
GDS BPM:- 0.10 paisa (For
additional work as BPM)
Counter PA (additional
for maintaining data in Finacle)- Rs.0.10
Counter
Supervisor/SPM ( for verification work in Finacle)- Rs.0.05
HO Special Monitoring
Cell Officials - Rs. 0.10
Accounts branch of HO:-
Rs.0.05
Divisional Office
Monitoring Cell:- Rs.0.04
Ro/Co Monitoring Cell:-
Rs.0.02
Directorate Monitoring
Cell.:- Rs.0.02
DAP Monitoring Cell:-
Rs.0.01
Directorate Monitoring
Cell (PAF)- Rs.0.01
PMJJBY :-
GDS/Postman/Counter PA-
Rs.20.00
GDS BPM:- Rs.1.00
(additional work as BPM)
Counter PA (additional
work in Finacle)- Rs.3.00
Counter Supervisor/SPM
(For verification)- Rs.1.50
HO Special Monitoring
Cell Officials- Rs.1.50
Accounts branch of HO:-
Rs.0.75
Divisional Office
Monitoring Cell:- Rs.0.75
Ro/Co
Monitoring Cell:- Rs.0.50
Directorate Monitoring
Cell.:- Rs.0.50
DAP Monitoring Cell:-
Rs.0.25
Directorate Monitoring Cell (PAF)- Rs.0.25
Standard
Operating Procedure of PMJJBY
1. Any Postal Official (including GDS)
can pursue either a depositor having Savings Account in any EDBO/SO/HO migrated
to CBS Platform or any Indian Citizen who is ready to open a Savings Account in
any such post office which is migrated to CBS, to fill Enrollment Form of
Pradhan Mantri JeevanJyoti Bima Yojna ( PMJJBY) to get Life Insurance cover of
Rs.2 lakh from Life Insurance Corporation of India (LIC) by paying an annual
premium of Rs,330/- for one year (from 1st June or Date of
Enrollment to 31st May).
2. It has to be ensured that the Savings
Account holder or Indian Citizen who wants to open new savings account for this
purpose has already completed 18 Years of Age but not yet completed 50 years of
Age (as per Date of Birth mentioned in any of the KYC Documents showing date of
birth). If no such document is available with the customer, a certificate of
birth issued by Headmaster of the School or Sarpanch Gram Panchyat or self
declaration can be presented before the Postal Official who collects the form
to confirm age validation.
3. The Savings Account Holder or Indian
Citizen who wants to open new savings account should be pursued to maintain
balance of Rs.380/- (if it is a normal savings Account), Rs.880/- (if it is
Cheque Savings Account) and Rs.330/- (if
it is a Zero balance Account opened for any Government welfare scheme like
MGREGS/Old Age/Widow/Disability Pension etc.) within 7 days of giving the
Enrollment Form (if collected at other than CBS Post Office Counter) so that
premium of Rs.330/- will be deducted on the day of enrollment itself at CBS
HO/SO.
4. Postal Official (including GDS) who
collects Enrollment Form has to ensure that all fields with * mark has been
filled and if depositor is illiterate, a literate person has signed (with
address) as a witness on the form. He/she will fill the relevant fields
mentioned in “ To be filled by the official who collects form” part of the form
and sign for the purpose of getting incentive.
5. When
Enrollment Form is received at EDBO, GDS BPM will tally signatures available in
SS Book and Balance in the Account shown in BOSB Journal. If he/she is
satisfied that signatures are tallied, the depositor has already completed 18
Years of Age and not yet completed 50 Years of Age and balance in the account
is either equal or more than Rs.330/- or Rs.380/- or Rs. 580/- (based of type
of savings account), He/she will sign on the Form in the filed “ Signature of
Postmaster with Seal” in the part “For Office Use”. He/she will place BO Name
Stamp on the Top of the Form and Date Stamp on the left side of his signatures.
He/she will prepare a list of forms collected daily in duplicate in the
following format:-
(On the Top of the List)
Date
List Number (consecutive from 1/1)
Name of Scheme- PMJJBY
Name of BO
Name of Account Office
Name of HO
(In the List)
Sl.No.- Account Number- Name of GDS who collected Form
(At the end of list)
Total
No. of Forms
6. One copy of list will be stitched
with the bundle of Forms and sent to Account Office duly entered into BO
Journal and BO Daily Account.
7. When
Enrollment Form sent by EDBO is received at CBSHO/SO, PA who is opening BO Bags will hand over form
bundles received from BOs to SPM/Special Cell at HO under receipt in BO Daily
Account.
8. SPM/Special
Cell at HO will hand over forms to Counter PA or PA designated to do data entry
into Finacle CBS Application.
9. Counter
PA or Designated PA at SO/HO will also receive Enrollment Forms at Counter or
from other Postal Officials or from BOs. Before doing data entry into the
Finacle menu CPMY,. PA will go to IES
menu and verify signatures on the Form (if depositor is literate) and tally
signatures with signatures in Finacle. If signatures are tallied, he will
invoke Finacle menu CPMY and select scheme as PMJJBY and enter Account Number
in the relevant Field. He will click on submit and new screen will open showing
following fields auto-populated:-
CIF ID, SOL ID, Name of Depositor, date of Birth
(default date if not yet corrected in CIF), Gender, Nominee name (if
available), Nominee relationship (if available), Address of Depositor, Address
of Nominee (if available), Account Type, Aadhar Number (if available), PAN
Number (if available), Applicant’s Age (based on DOB), Phone number (if
available), E mail ID (if available).
10. If any
of the mandatory fields is not auto-populated or date of birth is populated as
1.7.1960 or Gender as Others , PA has to go to CMRC to modify the CIF. While
modifying CIF, user has to modify date of Birth as written on the Enrollment
Form and correct the Gender as F or M. Any other information like Mobile
Number, E mail ID, Aadhar Number etc. if given in the form should also be
entered in CIF and Supervisor has to verify the CIF Modification in CMRC. Once
this is done, PA will again go to the menu CPMY and select scheme as PMJJBY and
enter Account Number to get all these fields Auto-Populated.
11. If
nomination is not registered in the Savings Account, this field will be blank.
Nomination is mandatory in PMJJBY. PA has to enter Nominee Name in the relevant
field and select Relationship from the drop down given against this field.
Address of nominee also needs to be filled. PA should then click on VALIDATE
button and see if all the validations are correct. Once this is done, PA will
click on SUBMIT button and hand over form to Supervisor for verification.
Supervisor will go to verify mode of CPMY and enter Account ID to see information
populated. He should tally the same with the Form. Once he/she is satisfied, he
will click on SUBMIT button. At this time Rs.330/- will be withdrawn (debited)
from Savings Account and Rs.289/- will be Credited to PMJJBY Premium Office
Account of Sansad Marg HO (11000100) and Rs.41/- will be credited to DOP Income
Office Account of Sansad Marg HO.
12. At the
end of the day, all these withdrawals will appear in the SB LOT and SB
Consolidation of respective SO/HO @ Rs.289/- per form as Premium and Rs.41/- as
Income to DOP. On the receipt side, Amount of @ 289/-will be shown as PMJJBY
Premium Deposit and amount@Rs.41/- as PMJJBY Income to DOP by each SO/HO(Head
of Accounts will be circulated through Accounting procedure). In HO Cash Book,
this amount should be shown for HO as a whole. At the end of each month,
progressive totals under both these heads should be intimated to Divisional
Head by HO.
13. In
case of CBS SO, Designated PA will prepare a list of forms collected daily in
duplicate in the following format in MS Excel (for the purpose of calculation
of Incentive):-
Date
List Number (consecutive from 1/1)
Name of Scheme- PMJJBY
Name of BO/SO
Name of HO
Sl.No.- Account Number- Name of Postal Official who collected Form
14. One copy of list will be stitched with
the bundle of Forms and sent to Head Office duly entered into SO Daily Account.
These Forms will be preserved in HPO SO-wise and date wise in A4 size Ring
Binders alongwith list which will be filed also in the same binder.
15. At CBS HO, all Forms presented at the
HO Counter and received from SOs would be handed over to designated PA(s) who
will enter these forms in MS Excel (for the purpose of calculation of
incentive) in the following format:-
Headers
Date-
Scheme:-PMJJBY
Data to be entered:-
Sl.No., Name of BO (under HO)- List No. of BO (ie.1/1 etc.), Name of
SO(Under HO)-List No. of SO, Account Number, Name/Designation/Office of Posting
of Postal Employee including GDS who collected Form.
(After entering forms received from BOs (under HO) and SOs(Under HO),
enter forms collected at HO by other Postal Officials or at counter)
Sl.No., Account Number, Name/Designation of Official who collected
Form.
At the end:- Total No. of Forms
16. Special
Monitoring Cell at each CBS HO at the end of each month will prepare incentive
bill of PMJJBY showing date wise no. of forms collected by each Postal Official
(including GDS) and amount of incentive against each official or set of
officials before 5th of each month. Format of Incentive Bill is
given Below:-
Month
Name of Postal Official (including GDS)
No. of Forms collected/Handled in the month
Amount of incentive
Total Number of Forms collected in the month
Amount of incentive of HO Monitoring Cell
This incentive bill will be sent to Divisional Head who
will issue sanction against the amount credited into PMJJBY Income to DOP Head of
Account (will be circulated in Accounting Procedure) against information sent
by each HO and will send it back to HO before 10th of the month.
Divisional Office will send monthly statistics to its RO/HO on 10th
of the each month alongwith its Incentive Bill to RO/CO. RO will maintain
monthly statistics of the Divisions under it and issue sanction of incentive
bill of DO from same head of account. RO will send its monthly data to CO by 15th
of the month which will issue sanction of incentive Bill of RO from same head
of account. CO will maintain data of Forms collected by all the Regions and
issue sanction of Incentive for its own staff from same head of account. CO
will send monthly statistics of Forms collected to F.S Division of Directorate
and DAP.
17. On
receipt of Sanction from Divisional Head, Accounts Branch of HPO will prepare
Incentive Payment Bills for the staff and send to SOs and BOs under it. SOs, on
receipt of Bills will send the same to their BOs. BOs, SOs and Hos will charge
these bills (after payment) in the PMJJBY Income to DOP head. (Accounting Head
will be circulated in Accounting procedure).
18. F.S
Division of Directorate would maintain statistics of Forms Collected by all the
Circles and raise its incentive bill to Delhi Circle which will issue sanction
from the relevant head.
19. DAP
will issue sanction of Incentive Bill for its own staff engaged for this
activity and book the amount under relevant PMJJBY Income head.
20. DDG(PAF)
Directorate will maintain monthly statistics of Forms collected, Amount of
Premium Collected, Amount of Premium sent to LIC, Amount collected/spent on
Administrative expenses and Amount of Incentive collected/paid. PA wing will
issue sanction of its own incentive bill from relevant head of account.
Standard Operating Procedure to be followed at Sansad
Marg HPO (Delhi Circle)
1. On daily basis, Designated System Administrator
would go to menu CUUTR, select relevant scheme and enter BOD date. He will get
the total amount collected all over India for sending to LIC on the screen. He
will pass on the information to DPM/APM Treasurery who will issue orders for
remitting the amount to LIC Bank Account (will be intimated shortly) through
RTGS from Postmaster Bank Account. Designated PA will go to SBI and present
RTGS Request. On getting UTR Number, designated PA will inform this number to
Designated System Administrator who will again invoke CUUTR menu in Finacle and
select Update UTR option. He will then enter the UTR Number and Amount of UTR
in the relevant fields. He will enter same BOD Date as enrollment date and
click.
2. Designated
SA will then send mail to CEPT Team for running the batch to extract data from
Finacle. Batch file will then be uploaded to LIC through mail/SFTP.
3. Designated
SA will get response file from LIC and look into the rejected data and passed
on the relevant information to respective Hos through an e-mail. Respective HO
would get the data corrected from its staff of respective HO or get corrections
done from Infosys through raising a ticket. Infosys will extract revised file
from the backend and send to Sansad Marg HO SA through mail. Sansad Marg HO
SA will upload the modified file to LIC.
4. In Sansad Marg HO, Amount
Transferred to LIC would be accounted for as Premium Collected for LIC on
receipt side and Premium Transferred to LIC on Payment side.
Standard
Operating Procedure of PMSBY
1. Any Postal Official (including GDS)
can pursue either a depositor having Savings Account in any EDBO/SO/HO migrated
to CBS Platform or any Indian Citizen who is ready to open a Savings Account in
any such post office which is migrated to CBS, to fill Enrollment Form of
Pradhan Mantri Suraksha Bima Yojna( PMSBY) to get Accidental Insurance cover of
Rs.2 lakh from National Insurance Company Limited (NIC) by paying an annual
premium of Rs,12/- for one year (from 1st June or Date of Enrollment
to 31st May).
2. It It has to be ensured that the
Savings Account holder or Indian Citizen who wants to open new savings account
for this purpose has already completed 18 Years of Age but not yet completed 50
years of Age (as per Date of Birth mentioned in any of the KYC Documents
showing date of birth). If no such document is available with the customer, a
certificate of birth issued by Headmaster of the School or Sarpanch Gram
Panchyat or self declaration can be presented before the Postal Official who
collects the form to confirm age validation.
3. The Savings Account Holder or Indian
Citizen who wants to open new savings account should be pursued to maintain
balance of Rs.62/- (if it is a normal savings Account), Rs.512/- (if it is
Cheque Savings Account) and Rs.12/- (if
it is a Zero balance Account opened for any Government welfare scheme like MGNREGS/Old
Age/Widow/Disability Pension etc.) within 7 days of giving the Enrollment Form
(if collected at other than CBS Post Office Counter) so that premium of Rs.12/-
will be deducted on the day of enrollment itself at CBS HO/SO.
4. Postal Official (including GDS) who
collects Enrollment Form has to ensure that all fields with * mark has been
filled and if depositor is illiterate, a literate person has signed (with
address) as a witness on the form. He/she will fill the relevant fields
mentioned in “ To be filled by the official who collects form” part of the form
and sign for the purpose of calculation of Incentive.
5. When
Enrollment Form is received at EDBO, GDS BPM will tally signatures available in
SS Book and Balance in the Account shown in BOSB Journal. If he/she is
satisfied that signatures are tallied, the depositor has already completed 18
Years of Age and not yet completed 70 Years of Age and balance in the account
is either equal or more than Rs.12/- or Rs.62/- or Rs. 512/- (based of type of
savings account), He/she will sign on the Form in the filed “ Signature of
Postmaster with Seal” in the part “For Office Use”. He/she will place BO Name
Stamp on the Top of the Form and Date Stamp on the left side of his signatures.
He/she will prepare a list of forms collected daily in duplicate in the following
format:-
(At the top of the list)
Date
List Number (consecutive from 1/1)
Name of Scheme- PMSBY
Name of BO
Name of Account Office
Name of HO
(In the list)
Sl.No.- Account Number- Name of GDS who collected Form
(At the end of the list)
Total
No. of Forms
6. One copy of list will be stitched
with the bundle of Forms and sent to Account Office duly entered into BO
Journal and BO Daily Account.
7. When
Enrollment Form sent by EDBO is received at CBSHO/SO, PA who is opening BO Bags will hand over form
bundles received from BOs to SPM/Special Cell at HO under receipt in BO Daily
Account.
8. SPM/Special
Cell at HO will hand over forms to Counter PA or PA designated to do data entry
into Finacle CBS Application.
9. Counter
PA or Designated PA at SO/HO will also receive Enrollment Forms at Counter or
from other Postal Officials or from BOs. Before doing data entry into the
Finacle menu CPMY, PA will go to IES menu and verify signatures on the Form (if
depositor is literate) and tally signatures with signatures in Finacle. If
signatures are tallied, he will invoke Finacle menu CPMY and select scheme name
as PMSBY and enter Account Number in the relevant Field. He will click on the
screen and following fields will be auto-populated:-
CIF ID, SOL ID, Name of Depositor, date of Birth
(default date if not yet corrected in CIF), Gender, Nominee name (if
available), Nominee relationship (if available), Address of Depositor, Address
of Nominee (if available), Account Type, Aadhar Number (if available), PAN
Number (if available), Applicant’s Age (based on DOB), Phone number (if
available), E mail ID (if available).
10. If any
of the mandatory field is not auto-populated or date of birth is populated as
1.7.1960 or Gender as Others, PA has to go to CMRC menu to modify the CIF.
While modifying CIF, user has to modify date of Birth and Gender (F or M) as
written on the Enrollment Form and enter other information like Mobile Number,
E mail ID, Aadhar Number etc. and Supervisor has to verify the CIF
Modification. Once this is done, PA will again go to the menu CPMY and select
scheme as PMSBY enter Account Number to get all these fields Auto-Populated.
11. If
nomination is not registered in the Savings Account, this field will be blank.
Nomination is mandatory in PMJJBY. PA has to enter Nominee Name in the relevant
field and select Relationship from the drop down given against this field.
Address of nominee also needs to be filled. PA should then click on VALIDATE
button and see if all the validations are correct. Once this is done, PA will
click on SUBMIT button and hand over form to Supervisor for verification.
Supervisor will go to verify mode of CPMY and enter Account ID to see
information populated. He should tally the same with the Form. Once he/she is
satisfied, he will click on SUBMIT button. At this time Rs.12/- will be
withdrawn (debited) from Savings Account and Credited to PMSBY Premium Office
Account of Sansad Marg HO (11000100).
12. At the
end of the day, all these withdrawals will appear in the SB LOT and SB
Consolidation of respective SO/HO. Total Amount withdrawn will be shown against
PMSBY Premium Deposit.
13. In
case of CBS SO, Designated PA will prepare a list of forms collected daily in
duplicate in the following format in MS Excel ( for the purpose of calculation
of incentive):-
(At the top of the list)
Date
List Number (consecutive from 1/1)
Name of Scheme- PMSBY
Name of BO/SO
Name of HO
(In the list)
Sl.No.- Account Number- Name of Postal Official who collected Form
(At the end of the list)
Total
No. of Forms
14. One copy of list will be stitched with
the bundle of Forms and sent to Head Office duly entered into SO Daily Account.
These Forms will be preserved in HPO SO-wise and date wise in A4 size Ring
Binders alongwith list which will be filed also in the same binder.
15. At CBS HO, all Forms presented at the
HO Counter and received from SOs would be handed over to designated PA(s) who
will enter these forms in MS Excel ( for the purpose of calculation of
incentive) in the following format:-
Headers
Date-
Scheme:- PMSBY
Data to be entered:-
Sl.No., Name of BO (under HO)- List No. of BO (ie.1/1 etc.), Name of
SO(Under HO)-List No. of SO, Account Number, Name/Designation/Office of Posting
of Postal Employee including GDS who collected Form.
(After entering forms received from BOs (under HO) and SOs(Under
HO), enter forms collected at HO by other Postal Officials or at counter)
Sl.No., Account Number, Name/Designation of Official who collected
Form.
At the end:- Total No. of Forms
16. Special
Monitoring Cell at each CBS HO at the end of each month will prepare incentive
bill of PMJJBY showing date wise no. of forms collected by each Postal Official
(including GDS) and amount of incentive against each official or set of
officials before 5th of each month. Format of Incentive Bill is
given Below:-
Month
Name of Postal Official (including GDS)
No. of Forms collected/Handled in the month
Amount of incentive
Total Number of Forms collected in the month
Amount of incentive of HO Monitoring Cell
This incentive bill will be sent to Divisional Head who
will issue sanction against the PMSBY Income Head of Account (will be circulated in
Accounting Procedure) and will send it back to HO before 10th of the
month. Divisional Office will send monthly statistics to its RO/HO on 10th
of the each month alongwith its Incentive Bill to RO/CO. RO will maintain
monthly statistics of the Divisions under it and issue sanction of incentive
bill of DO under the same head. RO will send its monthly data to CO by 15th
of the month which will issue sanction of incentive Bill of RO under the same
head. CO will maintain data of Forms collected by all the Regions and issue
sanction of Incentive for its own staff under same head. CO will send monthly
statistics of Forms collected to F.S Division of Directorate and DAP.
17. On
receipt of Sanction from Divisional Head, Accounts Branch of HPO will prepare
Incentive Payment Bills for the staff and send to SOs and BOs under it. SOs, on
receipt of Bills will send the same to their BOs. BOs, SOs and Hos will charge
these bills (after payment) in the PMJJBY Incentive. (Accounting Head will be
circulated in Accounting procedure).
18. F.S
Division of Directorate would maintain statistics of Forms Collected by all the
Circles and raise its incentive bill to Delhi Circle which will issue sanction
from the relevant head.
19. DAP
will issue sanction of Incentive Bill for its own staff engaged for this
activity under same head and send Monthly statistics of DAP as a whole to
DAP(Delhi) for reconciliation of amount received from NIC and amount spent on
incentive with copy to DDG(PAF) Directorate.
20. DDG(PAF)
Directorate will maintain monthly statistics of Forms collected, Amount of
Premium Collected/sent to NIC, Amount received from NIC and spent on Incentive/Administrative
expenses for this purpose. PA wing will issue sanction of its own incentive
bill under relevant head of account.
Standard Operating Procedure to be followed at Sansad
Marg HPO (Delhi Circle)
1. On daily basis, Designated System Administrator
would go to menu CUUTR, select relevant scheme and enter BOD date. He will get
the total amount collected all over India for sending to LIC on the screen. He
will pass on the information to DPM/APM Treasurery who will issue orders for
remitting the amount to NIC Bank Account (will be intimated shortly) through
RTGS from Postmaster Bank Account. Designated PA will go to SBI and present
RTGS Request. On getting UTR Number, designated PA will inform this number to
Designated System Administrator who will again invoke CUUTR menu in Finacle and
select Update UTR option. He will then enter the UTR Number and Amount of UTR
in the relevant fields. He will enter same BOD Date as enrollment date and
click.
2. Designated
SA will then send mail to CEPT Team for running the batch to extract data from
Finacle. Batch file will then be uploaded to NIC through mail/SFTP.
3. Designated
SA will get response file from NIC and look into the rejected data and passed
on the relevant information to respective Hos through an e-mail. Respective HO
would get the data corrected from its staff of respective HO or get corrections
done from Infosys through raising a ticket. Infosys will extract revised file
from the backend and send to Sansad Marg HO SA through mail. Sansad Marg HO SA will upload the modified file to NIC.
4. In Sansad Marg HO, Amount
Transferred to NIC would be accounted for as Premium Collected for PMSBY on
receipt side and Premium Transferred to NIC on Payment side.
5. At the end of the month, Sansad Marg
HO Postmaster account would get credit of Rs.2/- per Form from NIC which would
be accounted for as PMSBY Income to DOP.
6. DAP Delhi will account far this
amount and reconcile booking (of incentive paid to staff & amount spent on
Administrative Expenses) by respective DAPs based on information received from
them about ( number of forms collected ).
7. Sansad Marg HO will intimate amount
received from NIC on the day of its receipt (expected to be first working day
of the month) to DAP(Delhi).
