RBI/2018-19/1
DGBA.GBD.No.-1/31.02.007/2018-19
July
2, 2018
All Agency Banks
Dear Sir/Madam
Master Circular - Disbursement
of Government Pension by Agency Banks
Please refer to our Master Circular RBI/2017-18/1 dated July 1, 2017 on
the above subject. We have now revised and updated the Master Circular
which consolidates important instructions on the subject issued by the
Reserve Bank of India till June 30, 2018.
2. A copy of the revised Master Circular is enclosed for your
information. This circular may also be downloaded from our website www.mastercirculars.rbi.org.in.
Yours faithfully
(Charulatha S Kar)
Chief General Manager
Encl.: As above
Master
Circular – Disbursement of Government Pension by Agency Banks
Introduction
Payment of pension to retired
government employees, including payment of basic pension, increased Dearness
Relief (DR), and other benefits as and when announced by the governments,
is governed by the relevant schemes prepared by concerned
Ministries/Departments of the Government of India and State Governments.
This Master Circular consolidates important instructions on the subject
issued by the Reserve Bank till June 30, 2018. It does not replace or
supersede such existing government instructions. In case of any doubt or
apparent contradiction, agency banks may be guided by the relevant
government instructions. Contents of various
circulars issued in this connection by the Reserve Bank of
India are summarised hereunder.
General Instructions
Government orders on DR, etc. on
websites
2. In order to obviate the time
lag between issue of DR orders and payment of DR to the beneficiary and to
render expeditious service to senior citizens, the following action is
required to be taken:
a.
As
soon as the sanction of Dearness Relief at revised rates is received from
Ministry of Finance, orders for payment of Dearness Relief to pensioners at
revised rates are issued and the copies of such orders are immediately sent
to Heads of all Agency Banks by e-mail as well as by FAX with instructions
to take necessary action for expeditious payment of Dearness Relief.
b.
The
orders are put on website of Ministry of Personnel, Public Grievance and
Pensions (http://www.persmin.nic.in)
c.
Copies
of orders are also sent by post to Heads of all Agency Banks and published
in leading newspapers by Indian Banks' Association.
d.
Pension
paying agency banks should act on the copies of the orders supplied by
Government to the Head Offices and/or Regional Offices of authorised banks
in the State headquarters or hosted on the website of the State Government.
e.
The
Controlling Offices/ Head Offices of agency banks should closely monitor
and supervise timely and correct disbursement of Government pension to
eligible pensioners.
f.
All
agency banks are advised to scrupulously follow all the guidelines
/instructions contained in various notifications of Government (Central as
well as States) and take necessary action immediately without waiting for
any further instructions from RBI.
Nomination
3. With a view to avoiding
inconvenience to pensioners, all pension paying branches should accept
Nomination Forms ‘A’ or ‘B’ as the case may be, submitted by Central
Civil/Railway pensioners for the payment of arrears of pension to the
heir(s).
4. In the case of Central Civil
and Railway pensioners, the pension paying banks should endorse the names
of nominees as per nomination forms ‘A’ and ‘B’ on the front page of the
pass book and the branches may be advised to ensure that the procedure laid
down in Schemes for disbursement of pension to pensioners by public sector
banks are followed scrupulously by all agency banks.
All India Service officers
retiring from Government of India
5. The accounting procedure to
be followed for payment of pension to All India Service Officers retiring
from Government of India while on Central Deputation is given below:
a.
PPO
number for All India Service Pensioners would incorporate, besides the 12
digit numeric component used for Central Civil pensioner, a prefix
indicating the service and the state cadre to which the pensioner belongs.
A sample PPO number for an IAS Officer of Punjab cadre would be –
IAS/Pb/438840400191.
b.
All
India Service Pensioners will have the option to draw pension only through
the authorised banks.
c.
The
Special Seal Authority (SSA) issued by the CPAO would be in blue colour to
distinguish it from orders issued for Central Civil pensioners. In
addition, the authority will indicate the State Government to which the
payment is debitable.
d.
One
copy of the SSA will be sent to the concerned Accountant General for
information and record.
e.
The
concerned paying branches of the bank, after following the necessary
procedure for identifying the pensioner, would release the payment and add
the name of All India Service Pensioner to the scrolls prepared for State
Government Pensioners to be routed for reimbursement to the reimbursing
branches of the Reserve Bank/ State Bank as the case may be. Such scrolls
are NOT being handled under Single Window System of pension reimbursement
for Central Government Civil Pensioners and should not therefore be sent to
CPAO.
f.
The
reimbursing branches would follow the procedure for the State Government
Pensioners and send advice to Reserve Bank, CAS, Nagpur and the
corresponding scrolls to the concerned Accountant General.
g.
The
RBI, CAS, Nagpur would debit the concerned State Government Account as per
the procedure.
Credit of pension to joint
account
6. Various Central Government
Ministries and State Governments have modified the scheme for payment of
pension permitting credit of pension also to a joint account operated by
pensioner with his/her spouse in whose favour an authorisation for family
pension exists in the Pension Payment Order (PPO). The joint account of the
pensioner with the spouse could be operated either on 'Former or Survivor'
or 'Either or Survivor' basis subject to the following terms and
conditions:
a.
Once
pension has been credited to a pensioner's bank account, the liability of
the government/bank ceases. No further liability arises, even if the spouse
wrongly draws the amount.
b.
As
pension is payable only during the life of a pensioner, his/her death shall
be intimated to the bank at the earliest and in any case within one month
of the demise, so that the bank does not continue crediting monthly pension
to the joint account with the spouse, after the death of the pensioner. If,
however, any amount has been wrongly credited to the joint account, it
shall be recoverable from the joint account and/or any other account held
by the pensioner/spouse either individually or jointly. The legal heirs,
successors, executors, etc., shall also be liable to refund any amount,
which has been wrongly credited to the joint account.
c.
Payment
of Arrears of Pension (Nomination) Rules 1983 would continue to be
applicable to a Joint Account with the pensioner's spouse. This implies
that if there is an 'accepted nomination' in accordance with rules 5 and 6
of these Rules, arrears mentioned in the rules shall be payable to the
nominee.
7. Existing pensioners desiring
to get their pension credited to a joint account as indicated above are
required to submit an application to the bank branch, from where they are
presently drawing pension in the prescribed form. This would also be signed
by the pensioner's spouse in token of having accepted the terms and
conditions laid down by the Ministry/Government concerned. The facility is
applicable to existing / future pensioners.
8. The scheme of some
states/ministries add that opening of joint account with any other person
for credit of pension, except the spouse in whose favour family pension is
authorised in the PPO, shall not be permissible. Family pensioners are also
not covered under the revised scheme. For specific details, the scheme of
each individual Ministry/State Government may be examined.
Recording of PPO Number in the
passbook of Pensioners / Family Pensioners
9. Agency banks were advised to
record the PPO number in all the pension passbooks of the pensioners/family
pensioners issued to them. This is to alleviate the difficulties reported
by pensioners/family pensioners to get duplicate Pension Payment Orders
(PPO) in case of missing of original PPO, transfer of pension account from
one bank/branch to another bank/branch, commencement of family pension to
spouse or dependent children after the death of pensioner, etc. in the
absence of ready availability of PPO numbers. Necessary instructions in
this regard have already been issued to all authorised banks by the Central
Pension Accounting Office vide their Office
Memorandum CPAO/Tech/Clarifications/P&PW/2014-15/426-497 dated
September 17, 2014 and Office of
Principal Controller of Defence Accounts (Pension) vide their Circular
No.185 dated November 28, 2016. All agency banks are advised to
record the PPO numbers on the passbook of pensioners/family pensioners.
Updation of PPO for changes in
amount of pension
10. Some of the Pension Paying
Bank branches do not update the amount of basic pension/family pension
whenever there is change in basic rates in both halves of the Pension
Payment Order (PPO) concerned. In this connection, paragraphs 12.17 and
19.1 of the "Scheme for Payment of Pensions to Central Government
Civil Pensioners by Public Sector Banks” are reproduced below: “Whenever
there is change in the basic rates of pension and/or dearness relief on pension,
the paying branch shall call back the pensioner's half of the PPO and
record thereon the changes, indicating, inter-alia, the date(s) from which
the changes are effective. After this is done, those halves will be
returned to the pensioners.” (Para 12.17).
“Whenever any additional relief
on pensions is sanctioned by Government, an intimation to this effect will
be sent by the Ministry of Personnel, Public Grievances and Pensions
(Department of Pension and Pensioners' Welfare) to the authorised
representative (by name) of each nominated public sector bank at the
address given by the latter. Thereafter, it shall be the responsibility of
the banks to collect through their representatives operating at Delhi or
otherwise, the required number of copies (to be intimated in advance) of
the sanction orders, along with the ready-reckoner relating thereto, from
the Ministry of Personnel, Public Grievances and Pensions (Department of
Pension and Pensioners' Welfare) and send them immediately to their
respective Head Offices for direct transmission to the paying branches
within ten days for implementation. Each paying branch will promptly
determine the revised rates of relief on pensions payable to the Central
Government Civil Pensioners under its payment. The calculations of these
rates applicable to individual pensioners would be made as in Annexure XXII
(Page 50) and they will be noted in disburser's portion of the PPOs along
with the date from which relief would take effect, under attestation by the
Branch Manager or In-Charge before commencing payment of relief at the
revised rates and/or payment of arrears, if any, due to the pensioners on
this account…” (Para 19.1).
Agency banks may draw the
attention of their pension paying branches to the above provisions and
advise them to strictly follow the instructions.
Issue of Pension Slip
11. It has been decided by
Central Pension Accounting Office (CPAO)/Ministry of Defence/Railway and
various State Governments to issue pension slips to their pensioners
including family pensioners. Accordingly, pension slips as per the
prescribed format prescribed in our, are to be issued to these
pensioners/family pensioners at the commencement of pension and thereafter,
whenever there is a change in quantum of pension. Both halves of the
Pension Payment Order (PPO) would also need to be updated. All agency banks
were advised to issue suitable instructions to their pension paying
branches. (DGBA.GAD.H-10975/45.05.031/2006-07 dated January 09, 2007)
Staggering of pension payments
12. Payment of pension only on
the last day of the month causes much hardship to pensioners as they have
to wait in queue for a long time to collect their pension. As per
instructions issued in 1995, agency banks were advised to spread disbursal
of pension over the last four working days of the month, except for the
month of March, which will continue to be credited on or after the first
working day of April.
Recovery of excess/wrong payment
made to a pensioner
13. Details of the uniform
procedure evolved for recovery of excess/wrong payments made to pensioners
drawing pensions under the Scheme for payment of pension to Central
/Civil/Defence/Railways pensioners through agency banks, are given below:
a.
As
soon as the excess/wrong payment made to a pensioner comes to the notice of
the paying branch, the branch should adjust the same against the amount
standing to the credit to the pensioner’s account to the extent possible
including lumpsum arrears payment.
b.
If the
entire amount of overpayment cannot be adjusted from the account, the
pensioner may be asked to pay forthwith the balance amount of overpayment.
c.
In
case the pensioner expresses his inability to pay the amount, the same may
be adjusted from the future pension payments to be made to the pensioners.
For recovering the overpayment made to pensioner from his future pension
payment in instalments 1/3rd of net (pension + relief) payable each month
may be recovered unless the pensioner concerned gives consent in writing to
pay a higher instalment amount.
d.
If the
overpayment cannot be recovered from the pensioner due to his death or
discontinuance of pension then action has to be taken as per the letter of
undertaking given by the pensioner under the scheme.
e.
The
pensioner may also be advised about the details of over payment/wrong
payment and mode of its recovery.
Refund of excess pension payment
to Government
14. Whenever any excess /
overpayment is detected the entire amount thereof should be credited to the
Government account in lump sum immediately when the excess/overpayment is
due to an error on the part of the agency bank. If the excess/wrong payment
to the pensioner is due to errors committed by the government, banks may
take up the matter with the full particulars of the cases with respective
Government Department for a quick resolution of the matter. However, this
must be a time bound exercise and the government authority’s
acknowledgement to this effect must be kept on the bank’s record. The banks
may take up such cases with government departments without reference to the
Reserve Bank of India.
Withdrawal of pension by old/
sick/ disabled/ incapacitated pensioners
15. In order to take care of
problems/ difficulties faced by sick and disabled pensioners in withdrawal
of pension / family pension from the banks, agency banks may categorise
such pensioners as under:
a.
Pensioner
who is too ill to sign a cheque / unable to be physically present in the
bank.
b.
Pensioner
who is not only unable to be physically present in the bank but also not
even able to put his/her thumb impression on the cheque/ withdrawal form
due to certain physical defect / incapacity.
16. With a view to enabling such
old/sick/incapacitated pensioners to operate their accounts, banks may
follow the procedure as under:
a.
Wherever
thumb or toe impression of the old/sick pensioner is obtained, it should be
identified by two independent witnesses known to the bank, one of whom
should be a responsible bank official.
b.
Where
the pensioner cannot even put his/her thumb/ toe impression and also would
not be able to be physically present in the bank, a mark can be obtained on
the cheque/withdrawal form, which should be identified by two independent
witnesses, one of whom should be a responsible bank official.
Accordingly, the agency banks
are requested to instruct their branches to display the instructions issued
in this regard on their notice board so that sick and disabled pensioners
could make full use of these facilities. Banks are also advised to
sensitise staff members in the matter and to refer to the FAQs on pension
disbursement hosted on our website www.rbi.org.in in
case of any doubt.
Reimbursement of pension
payments
17. Link branches of agency
banks may submit reimbursement claims to Reserve Bank of India, Central
Accounts Section, Nagpur / Government Banking Division at Regional Office
for Central/State Government pension payments.
Continuation of either or
survivor pension account after death of pensioner
18. All agency banks disbursing
Central Government pension have been advised that in case the spouse
(Family pensioner) opts for existing joint account for credit of family
pension, banks should not insist on opening a new account when the spouse
is the survivor and having a joint account with the pensioner and in whose
favour an authorisation for payment of family pension exists in the Pension
Payment Order (PPO).
Digital Life Certificate
19. As per the present pension
scheme, pensioners are required to furnish a life certificate to the
pension disbursing bank every year in November. In view of the difficulties
faced by pensioners in submission of these certificates, and in order to
alleviate these difficulties, the Government of India has since launched “Jeevan
Pramaan”, a digital life certificate based on Aadhaar Biometric
Authentication on November 10, 2014. In order to facilitate Jeevan Pramaan,
a web portal (jeevanpramaan.gov.in) was
launched on November 10, 2014. All agency banks disbursing government
pension may take necessary action to implement and benefit from the scheme
and issue necessary instructions to all their branches concerned and
dealing staff. Banks may, in addition, work towards creating awareness
about this facility among their pensioner customers through their branches,
websites and other means. Banks may also suitably amend the FAQs on pension
payments posted on their websites, and provide a link to the website of
Jeevan Pramaan.
20. There have been complaints
that life certificates submitted over the counter of pension paying
branches are misplaced causing delay in payment of monthly pensions. In
order to alleviate the hardships faced by pensioners, agency banks were
instructed to mandatorily issue duly signed acknowledgements. They were
also advised to consider entering the receipt of life certificates in their
CBS and issue a system generated acknowledgement which would serve the twin
purpose of acknowledgement as well as real time updation of records.
Single Window System for
reimbursement of Pension Payments
21. Single Window System was
introduced to facilitate prompt settlement of reimbursement claims and
reconciliation. The underlying objective is to make each pension paying bank
responsible in its own right to effect settlement without the intervention
of RBI Offices or SBI/Associates (at District Headquarters) in the process
eliminating cause of delay in reimbursement claims.
22. Under this system, Link
Branches of individual public sector banks will prepare summary sheet in
duplicate and incorporate therein the payments made by all paying branches
linked to them under each category of pension. The Link Branch will forward
by 7th of each month one copy of pension payment scroll supported by
necessary documents along with summary sheet to its Nodal Branch at
LHO/ZO/RO looking after Government business. For this purpose, each public
sector bank has to designate a Nodal Branch/Branches. The Nodal Branch/es
will consolidate the transactions received from the link branches under
their jurisdiction after duly checking the scrolls and prepare Daily
Government Debit Scroll in duplicate and forward the original copy with
scrolls and other documents on daily basis to the respective accounting
authority e.g., CPAO in case of Central Government Civil Pensioners.
Simultaneously, it will send advice through Daily Memo (serially numbered
for each financial year) to its Link Cell at Nagpur (GAD in case of SBI)
for reimbursement/ settlement with Reserve Bank of India, Central Accounts
Section, Nagpur. For the purpose of monthly reconciliation, the Nodal Point
Branch will prepare in the first week of the following month a Date-wise
Monthly Statement (DMS) in triplicate indicating date-wise position
reported to accounting authorities through Daily Government Debit Scrolls
and settled with Reserve Bank of India, Central Accounts Section, Nagpur
through Link Cell of Nagpur in the previous month. The DMS will be
submitted in duplicate to pension accounting authority (e.g. CPAO in case
of civil pension by 10th of the following month).
23. It was unanimously decided
to implement the Single Window System for reimbursement of pension payments
made to Central Government Civil Pensioners by public sector banks with
effect from November 1, 2002. Subsequently, the Single Window System was
introduced for reimbursement of Defence Pension with effect from April 1,
2007, in the case of reimbursement of Telecom Pension payments with effect
from October 1, 2012 and in case of Railway Pension payments with effect
from April 01, 2011. The procedure for disbursement, accounting and
reimbursement of Defence/Railway/Telecom pension payments will be similar
to those as applicable in the case of Central Civil Pensioners. However,
reimbursement of Railway Pensions will be subject to further conditions as
stated below:
a.
There
would be a running serial number on the paying branch scroll. It should be
ensured that no scroll number is repeated or left out.
b.
The
same check would be done on Nodal Branch Summary Scroll.
c.
At the
pension accounting authority all amounts booked against duplicate scroll
numbers, if any, would be checked and the RBI would be asked to put back
these amounts to the Government accounts.
d.
The
Nodal branches will be responsible for reconciliation with the Railways and
for settling discrepancies.
e.
As a
one time exercise, authorised banks will send the Nodal branch-wise paying
branch directory structure with complete postal address, pin code, BSR code
to Ministry of Railways and Central Accounts Section (CAS), RBI, Nagpur for
proper and prompt settlement and reconciliation.
Payment of pension to Defence
pensioners
(i) Fake and fraudulent payments
24. The Office of the PCDA
(Pension) has also noticed that in some cases of payment of gratuity and
commutation amount were made to imposters on fake and fraudulent PPOs by
the pension paying branches without observing prescribed checks. Defence
pension paying branches are therefore requested to strictly follow the
procedure laid down in “Defence Pension Payment Instructions” by the PCDA
(Pension) for disbursement of pension to Defence pensioners to avoid
fraudulent payments against fake pension payment orders.
(ii) First payment of pension
25. It has also been observed
that in the cases of first payment of pension, either PPO numbers were not
mentioned on the scrolls or incorrect PPO numbers were mentioned making it
difficult to verify the correctness of the payment. Further, these payments
were being shown in the main pension payment scrolls along with the regular
monthly payments of Defence Pensioners. The Pension Paying Branches/ Link
Branches / Reimbursing Branches are advised to put in place a more
efficient system to ensure the following:
a.
In the
cases of first payments of pension, pension paying branches should prepare
scrolls carefully indicating correct PPO number, amount of gratuity and
commutation against the name of each pensioner and submit the same
separately on a monthly basis in addition to the regular monthly payment
cases which will continue to be prepared separately along with separate
summary sheet.
b.
Pension
paying branches should prepare separate summary sheets for regular monthly
pension payment cases as well as first pension payment case.
Payment of Pension to Railway
Pensioners
(i) Fake and fraudulent payments
26. The Ministry of Railways has
detected cases of fraud wherein pension/ pension arrears have been
disbursed to unauthorised persons by some agency banks against fake Pension
Payment Orders (PPOs). Such fraudulent payments are made by pension paying
branches without observing prescribed checks such as releasing payments by
relying upon calculation sheet not signed by authorised signatory, as also
noncompliance with laid down procedures, especially regarding receipt of
PPOs by banks. Railway pension paying branches are therefore requested to
strictly follow the procedure laid down in “Scheme for Payment of Railway
Pension through Public Sector Banks” by the Ministry of Railways (Railway
Board) for disbursement of pension to Railway pensioners to avoid
fraudulent payments against fake pension payment orders.
(ii) Issue of Due and Drawn
statement
27. All agency banks may issue
suitable instructions to their pension paying branches for issuance of ‘Due
and Drawn’ statement in the prescribed form to Railway pensioners, whenever
there is a change/revision in their pension, so as to avoid inconvenience
to the pensioners. (DGBA.GAD.No.H 2084/45.03.001/2009-10 dated September
01, 2009)
Customer Service
28. All agency banks may issue
instructions to their dealing branches to adhere to the recommendations of
the Prabhakar Rao Committee relating to pension payments. A checklist may
be provided to the inspecting officers/auditors, which may at a minimum include
the items given in Annex 1. Agency
banks may also instruct their internal auditors/inspectors to comment on
the quality of customer service in their reports which may be made
available to Reserve Bank’s inspecting officers, as and when they visit the
branches.
29. Grievances of pensioners are
not being addressed properly at the branch level especially after the
setting up of Centralised Pension Processing Centres (CPPCs). To provide
hassle free service to the pensioners, there should be a forum for regular
interaction and settlement of grievances. Accordingly, agency banks should
appoint one/two nodal officers at each Region/Zone for monitoring the
resolution of grievances of pensioners on regular basis and the GM/CGM
concerned should review the position at monthly intervals.
30. At locations outside the
CPPCs, there should be designated nodal officers for pension related
complaints who should be easily accessible to pensioners and who should
hold regular meetings at different locations in their jurisdiction on the
lines of Pension Adalat. Each bank should establish toll free dedicated
pension line manned by trained persons with access to the database to
answer queries, note down and redress complaints.
31. Following several complaints
from pensioners alleging inordinate delay in disbursing revised pension and
arrears, agency banks were advised as under:
a.
Pension
paying banks should compensate the pensioner for delay in crediting
pension/ arrears thereof at a fixed interest rate of 8 per cent per annum
for the delay after the due date and the compensation shall be credited to
the pensioner's account automatically without any claim from the pensioner
on the same day when the bank affords credit for revised pension/ pension
arrears, in respect of all delayed pension payments made since October 1,
2008.
b.
Pension
paying banks have been advised to put in place a mechanism to obtain
immediately the copies of pension orders from the pension paying
authorities directly and make payments without waiting for receipt of
instructions from the Reserve Bank so that pensioners should get benefits
announced by the Governments in the succeeding month's pension payment
itself.
c.
The
branch should continue to be a point of referral for the pensioner lest
he/she feel disenfranchised.
d.
All
branches having pension accounts should guide and assist the pensioners in
all their dealings with the bank.
e.
Suitable
arrangements should be made to place the arithmetic and other details about
pension calculations on the web, to be made available to the pensioners
through the net or at the branches at periodic interval as may be necessary
and sufficient advertisement is made about such arrangements.
f.
All
claims for agency commission by banks in respect of pension payments must
be accompanied by a certificate from ED/CGM in charge of government
business that there are no pension arrears to be credited/ delays in
crediting regular pension/arrears thereof.
g.
All
agency banks disbursing pension are advised to provide considerate and
sympathetic customer service to the pensioners, specially to those
pensioners who are of old age.
Training
32. In order to create better
awareness among staff about pension payment schemes/ rules, banks may
include this as an integral part of the training programmes conducted by
their training establishments.
33. Regular training session for
bank personnel dealing with pension matters may be organised in
consultation with concerned Government Department.
Annex
1
Checklist relating to Government
Business (pension related) for internal/concurrent audit
Internal inspections should
assess branch performance in servicing pensioner customers. In this regard,
the following may be ensured:
1. A specific questionnaire
covering all aspects of pension payment may be devised for use during
inspection of pension paying branches.
2. Inspecting officers may also,
during inspections, call up pensioners at random and enquire about their
satisfaction with pension-related services.
3. A detailed check-list
relating to pension payments/government business may be given by banks to
internal auditors/inspectors in order to adhere to the recommendations of
the Prabhakar Rao Committee, constituted by the Government of India,
relating to pension payments/government business.
These include the following:
a.
Whether
there is delay in payment of pension, revision of pension, revision in
dearness relief etc.
b.
Whether
the branch manager has structured interaction with a cross section of
pensioners serviced at the branch on quarterly basis, where the number of
pensioners of all governments and departments exceeds a fixed number, say,
100 or 200.
c.
Whether
nominations have been obtained for all pension accounts.
d.
Whether
pension accounts have been converted into joint accounts wherever
applicable.
e.
Whether
the bank branch has an effective complaint redressal mechanism and the
complaints of pensioners are attended promptly and their grievances
redressed expeditiously.
f.
Whether
the pension is credited to pensioner’s account during the last four working
days of the month except for the month of March for which pension is to be
credited on or after first working day of April.
g.
Whether
the pension paying branch obtains Life Certificate/ Non-employment
certificate/ Employment Certificate from the pensioners in the month of
November every year.
h.
Whether
pension paying branches deduct income tax at source from pension payments
wherever applicable.
i.
Whether
paper tokens in acknowledgement of cheques presented are invariably given
by the tax collecting branches.
j.
Whether
the challans are stamped giving bank’s BSR code and Challan Identification
Number (CIN) clearly.
k.
Whether
the stamped challans are kept in the custody of bank’s staff and handed
over to the concerned tax payer only on production of the paper token.
Appendix
List
of circulars consolidated by the Master Circular
No.
|
Circular
No.
|
Date
|
Subject
|
1
|
Ref.Co.DGBA(NBS)No.44/GA.64(11-CVL)
90/91
|
18.04.1991
|
Scheme for payment of pension
to Central Civil/Defence/Railways pensioners through public sector banks
-Recovery of excess/wrong payments made to the pensioners
|
2
|
Ref.Co.DGBA(NBS)No.50/GA.64(11-CVL)
90/91
|
06.05.1991
|
Scheme for payment of pension
to Central Civil/Defence/Railways pensioners through public sector banks
-Recovery of excess/wrong payments made to the pensioners
|
3
|
Ref.DGBA.GAD.No.179/45.01.001/2001-02
|
17.08.2001
|
Reimbursement of pension
payments made to Central Government pensioners by public sector
banks-Single Window Concept
|
4
|
Ref.DGBA.GAD.No.130/45.01.001/2002-03
|
30.08.2002
|
Single Window System for
Reimbursement of pension payments made to Central Government Civil
Pensioners by public sector banks
|
5
|
Ref.DGBA.GAD.No.H-416/45.01.003/2002-03
|
21.03.2003
|
Hosting of Government Orders
for Dearness Relief (DR) etc. of State Government Pensioners on Web Sites
of State Governments.
|
6
|
Ref.DGBA.GAD.No.H-506/45.01.001/2002-03
|
12.04.2003
|
Payment of Pension to
Government Pensioners through Public Sector Banks – Steps taken by
Government to minimize delay in payment of Dearness Relief (DR) to
Pensioners – Discontinuation of forwarding Government orders in respect
of DR etc. through Reserve Bank of India.
|
7
|
Ref.DGBA.GAD.No.770/45.1.003/2003-04
|
25.02.2004
|
Hosting of Pension Circulars
on RBI's Website
|
8
|
Ref.DGBA.GAD.No.H-94/45.05.031/2004-05
|
24.08.2004
|
Acceptance of nomination in
form ‘A’ and ‘B’ – Central Civil/ Railway Pension.
|
9
|
Ref.DGBA.GAD.No.612-644/45.01.001/2004-05
|
07.10.2004
|
Implementation of procedure
for payment of pensions and other retirement benefits to All India
Service Officers retiring from Government of India while on central
deputation
|
10
|
Ref.
DGBA.GAD.No.867-899/45.02.001/2004-05
|
18.10.2004
|
Scheme of Payment of Pension
to Defence Pensioners by Public Sector Banks – Delay in Submission of
Pension Payment Scrolls and Steps to avoid fake and fraudulent payments.
|
11
|
Ref.DGBA.GAD.No.H-3611/45.03.002/2005-06
|
10.10.2005
|
Acceptance of nomination in
form ‘A’ and ‘B’ – Central Civil/ Railway Pension.
|
12
|
Ref.DGBA.GAD.No.H-3389-3421/45.02.001/2004-05)
|
06.01.2005
|
Scheme of Payment of Pension
to Railway Pensioners by Public Sector Banks- Steps to avoid fraudulent
payments.
|
13
|
Ref.DGBA.GAD.No.H.3452-3485/45.01.001/2004-05
|
11.01.2005
|
Payment of Central Civil
Pension – Entry of Dearness Pension in both halves of Pension Payment
Order (PPO)
|
14
|
Ref.DGBA.GAD.No.6073/45.05.031/2004-05
|
30.05.2005
|
Disbursement of Railway
Pension by Agency Banks.
|
15
|
Ref.DGBA.GAD.No.H-10746/45.03.001/2005-06
|
24.01.2006
|
Scheme of Payment of Pension
to Railway Pensioners through Public Sector Banks – Designation of FA
& CAOs of seven new zones by Ministry of Railways.
|
16
|
Ref.DGBA.GAD.No.11303/45.01.003/2005-06
|
06.02.2006
|
Disbursement of pension
through Public Sector Banks – Payment of Dearness Relief (DR)
|
17
|
Ref.DGBA.GAD.No.12736/45.03.001/2005-06
|
24.02.2006
|
Payment of Pension through
Authorised Banks – Credit of Pension to Joint Account operated by
pensioner with his/ her Spouse.
|
18
|
DGBA.GAD.No.H-
2134/45.02.001/2006-07
|
04.08.2006
|
Payment of pension through
Authorised Banks-Credit of Pension to Joint Bank Account operated by a
pensioner with his / her spouse.
|
19
|
DGBA.GAD.No.6926/45.05.005/2006-07
|
30.10.2006
|
Scheme for payment of pension
to West Bengal (Part-A) Government Pensioners by Public Sector
Banks-Credit of Pension to Joint bank Account operated by a pensioner
with his/ her spouse
|
20
|
DGBA.GAD.H-10975/45.05.031/2006-07
|
09.01.2007
|
Issue of Pension Slips.
|
21
|
DGBA.GAD.No.H-13834/45.02.001/2006-07
|
13.03.2007
|
Introduction of Single Window
System for reimbursement of Defence Pension Payments.
|
22
|
DGBA.GAD.No.H-14279/45.05.024/2006-07
|
23.03.2007
|
Scheme for payment of pension
to Arunachal Pradesh Government pensioners by public sector banks.
|
23
|
DGBA.GAD.No.H-17663/45.05.031/2006-07
|
12.06.2007
|
Disbursement of Central
Government Pension through Public Sector Banks- Issue of Pension Slip to
Defence Pensioners
|
24
|
DGBA.GAD.No.H-3856/45.05.031/2007-08
|
08.10.2007
|
Disbursement of Central
Government Pension through Public Sector Banks - Issue of Pension Slip to
Railway pensioners
|
25
|
DGBA.GAD.No.7570/45.05.018/2007-08
|
15.01.2008
|
Scheme for payment of pension
to Assam Government pensioners by Public Sector Banks - Credit of pension
to Joint Bank Account operated by a pensioner with his / her spouse.
|
26
|
DGBA.GAD.No.11653/45.05.013/2007-08
|
06.05.2008
|
Payment of pension through
Authorised banks – Credit of pension to Joint Account operated by a
pensioner.
|
27
|
DGBA.GAD.No.H
12499/45.05.010/2007-08
|
04.06.2008
|
Scheme for payment of pension
to Uttar Pradesh Government Pensioners by Public Sector Banks- Credit of
pension to Joint Account operated by a pensioner with his / her spouse.
|
28
|
DGBA.GAD.No.H
12656/45.05.010/2007-08
|
05.06.2008
|
Scheme for payment of pension
to Uttarakhand Government Pensioners by Public Sector Banks- Credit of
pension to Joint Account operated by a pensioner with family pensioner/
nominee
|
29
|
Ref.DGBA.GAD.No.H
12704/45.05.005/2007-08
|
11.06.2008
|
Issue of Pension Slips.
|
30
|
Ref.DGBA.GAD.No.H
13024/45.05.006/2007-08
|
24.06.2008
|
Scheme for Payment of Pension
to Orissa Government Pensioners by Public Sector Banks - Credit of
pension to Joint Bank Account operated by a pensioner with his / her
spouse
|
31
|
Ref.DGBA.GAD.No.924/45.05.012/2008-09
|
23.07.2008
|
Issue of Pension Slips.
|
32
|
Ref.DGBA.GAD.No.H-1917/45.04.001/2008-09
|
21.08.2008
|
Scheme for Payment of pension
to Telecom pensioners through Authorized Banks-Credit of pension to Joint
Bank Account operated by a pensioner with his / her spouse
|
33
|
Ref.DGBA.GAD.No.1918/45.05.016/2008-09
|
21.08.2008
|
Scheme for Payment of Pension
to Andhra Pradesh Government pensioners through Authorised Banks- Credit
of Pension to Joint Pension Account operated by a pensioner with his /
her spouse.
|
34
|
Ref.DGBA.GAD.No.H-3085/45.01.001/2008-09
|
01.10.2008
|
Recommendations of the
Prabhakar Rao Committee on customer service – Pension Payments.
|
35
|
Ref.DGBA.GAD.No.2090/45.05.015/2009-10
|
01.09.2009
|
Issue of Pension Slips.
|
36
|
Ref.DGBA.GAD.No.H -
7652/45.05.031/2008-09
|
03.03.2009
|
Scheme for payment of pension
to Central Government Civil/Defence/Railway/Telecom/ Freedom Fighters/
State Governments Pensioners by Public Sector Banks-Staggering of pension
payments by PSBs.
|
37
|
Ref.DGBA.GAD.No.H-9326/44.01.001/2008-09,
dated April
|
29.4.2009
|
Issue of Pension Slips /
Updation of Pension Payment Order by Pension paying branches of Agency
banks.
|
38
|
Ref.DGBA.GAD.No.H-10450/45.03.001/2008-09
|
01.06.2009
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
39
|
Ref.DGBA.GAD.No.H-2434/
45.05.031/2009-10
|
15.09.2009
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
40
|
Ref.DGBA.GAD.No.H
2084/45.03.001/2009-10
|
01.09.2009
|
Scheme of Payment of Pension
to Railway Pensioners through Public Sector Banks-issue of Due and Drawn
statement
|
41
|
Ref.DGBA.GAD.No.H
3194/45.01.001/2009-10
|
14.10.2009
|
Scheme for payment of pension
to Central Civil/ Defence/ Railway/Telecom Pensioners/ Freedom Fighters/
State Governments' Pensioners through Public Sector Banks- Facility for
withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners.
|
42
|
Ref.DO.No.CSD.CO/8793/13.01.001/2009-10
|
09.04.2010
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
43
|
DGBA.GAD. No.H-
46/45.01.001/2010-11
|
02.07.2010
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
44
|
DGBA.GAD.No.H-6212 &
6213/45.01.001/2010-11
|
11.03.2011
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
45
|
Ref.DGBA.GAD.No.H-6493/45.03.001/2010-11,
|
21.03.2011
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
46
|
DGBA.GAD.No.H-74/45.03.001/2011-12
|
05.07.2011
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
47
|
Ref.DGBA.GAD.No.H-6581/45.03.001/2011-12
|
09.04.2012
|
Irregularities in the Railway
pension payment by the public sector banks
|
48
|
DGBA.GAD.No.H-6760 and
6762/5.01.001/2011-12
|
13.04.2012
|
Pension Payment to central/
State Govt. Pensioners by agency Banks-Compensation for delay
|
49
|
DGBA.GAD.No.H-8024 &
8026/45.03.001/2011-12
|
06.06 2012
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
50
|
Ref.DGBA.GAD.No.H-8042/45.01.001/2011-12
|
07.06.2012
|
Payment of Central / State
Government pension by agency banks- Settlement of reimbursement claim for
pension payments made.
|
51
|
DGBA.GAD.No.H-562&563/45.03.001/2012-13
|
27.07.2012
|
Introduction of Single Window
System for Reimbursement of Railway Pension Payments.
|
52
|
Ref.DGBA.GAD.No.H-1594/45.04.001/2012-13
|
14.09.2012
|
Introduction of Single Window
System for Reimbursement of Telcom Pension Payments.
|
53
|
Ref.DGBA.GAD.No.H-5443/
45.04.001/2012-13
|
19.03.2013
|
Introduction of Single Window
System for Reimbursement of Telcom Pension Payments.
|
54
|
Ref.DGBA.GAD.No.H-7386/45.01.001/2012-13
|
03.06.2013
|
Payment of pension to the
Central Government pensioners- Continuation of either or survivor pension
account after death of a pensioner
|
55
|
Ref.DGBA.GAD.No.H-27/45.01.001/2014-15
|
01.07.2014
|
Redressal of Grievances of
Pensioners
|
56
|
Ref.DGBA.GAD.H.2529/45.01.001/2014-15
dated December 09, 2014
|
09.12.2014
|
Submission of a digital life
certificate based on Aadhaar Biometric Authentication
|
57
|
Ref.DGBA.GAD.No.H
4054/45.03.001/2014-15
|
13.03.2015
|
Recovery / Refund of
overpayment of pension to the Government Account.
|
58
|
Ref.RBI/2014-15/587
: DGBA.GAD.No.H – 5013/45.01.001/2014-15
|
07.05.2015
|
Mandatory issue of
acknowledgement to pensioners on submission of life certificates
|
59
|
Ref.RBI/2015-16/340:
DGBA.GAD.No.2960/45.01.001/2015-16
|
17.03.2016
|
Recovery of excess payments
made to pensioners
|
60
|
Ref.RBI/2016-17/271
DGBA.GAD.No.2646/31.02.007/2016-17
|
07.04.2017
|
Systems and Controls for
Conduct of Government Banking
|
61
|
Ref.RBI/2016-17/319
DGBA.GBD.No.3235/45.01.001/2016-17
|
08.06.2017
|
Recording of PPO Number in the
passbook of Pensioners / Family Pensioners
|
62
|
Ref.RBI/2017-18/111
DGBA.GBD/1616/15.02.005/2017-18
|
21.12.2017
|
Prompt implementation of
Governments’ instructions by agency banks
|
63
|
Ref.DGBA.GBD.No.3214/45.01.001/2017-18
|
21.06.2018
|
Customer Service provided by
agency banks
|
|