Sunday, November 23, 2014

Quote of the Day November 23

Lose an hour in the morning, and you will spend all day looking for it. - Richard Whately

‘Nanyatha’, a monitoring mechanism for letter box clearance - Inaugurated at Vijayawada

Sri B.V.Sudhakar, CPMG ,AP Circle and
Sri M.Sampath, PMG Vijayawada
‘Nanyatha’, a monitoring mechanism for letter box clearance through a unique ID generation, was launched by Chief Postmaster General,AP Circle B.V. Sudhakar at Vijayawada on 21.11.2014.

“The facility has been introduced with the aim of helping people know the status of letter clearance from a particular letter box,” Sri Sudhakar, CPMG said. The deparment has created a unique 12-digit number to serve as the identification number for each letter box. A bar code, printed on the rear door of the box to capture details, will be generated for the unique number. The entire application will be based on Android operating system, he said.

“The application helps us upload data on location of letter box, date and time of letter clearance and the person who cleared them on the web ( when the bar code is scanned using the smart phone,” he said. The letter box details, date and time of clearance will be sent to the central server using GPRS technology.

The server, in turn, will validate the information and accept the date and time of clearance through management information system (MIS). Denizens can log on to the website and enter the location of the letter box to get information about the date and time of clearance. A log-in name and password have been provided to postal administrators of each division for entering the website and see the MIS details comprising the name of the post office and the letter box under its jurisdiction.
Sri B.V.Sudhakar said the facility was launched in 10 of the 11 post offices in Vijayawada covering 173 letter boxes. 



May raise tax exemption limit further: Arun Jaitley

NEW DELHI: Finance minister Arun Jaitley on Saturday said that he does not favour burdening the salaried and middle-class with more taxes but would go after the evaders in widening the net.

In fact, he would encourage more money being put in the pockets of tax payers that will lead to spending and collection of more indirect taxes.

"This widening of the tax base. What does it mean? I pay the same indirect tax as my attendant. Our volume of consumption may be different. So everybody is paying indirect taxes.

"And literally almost half your taxes are indirect taxes today. He pays excise, he pays customs duty, he pays service tax. Now as far as income tax is concerned, to bring those who evade tax is widening the tax net, I am all for it," the minister said in an interaction with PTI journalists at PTI headquarters.

He was replying to a question on whether his budget would look at widening the tax base to maximise revenue.

Jaitley, who will be presenting his first full fledged budget in February, said that in his last budget he had increased the tax exemption limit from Rs 2 lakh to Rs 2.5 lakh and would even raise it further if he had more money.

"After all what are we talking about Rs 2.5 lakh today means, taking all the deductions which we have given, somebody up to Rs 3.5-4 lakh does not have to pay tax. So we have reached the situation broadly.

"One earning Rs 35,000-40,000 per month, if the person puts some money for savings, (he) won't have to pay tax. But people falling in this bracket say that they don't save anything with salary of Rs 35,000-40,000 (with) the present cost of living, the transport cost, the fees of children and so on," Jaitley said.

Therefore, the minister said, he was against reducing the exemptions to widen the tax net. "Then that's not my approach," he added.

"So I am quite willing, if I had my way and I had more money in my pocket, I would like to expand. But today the revenue position is challenging. Last time I gave several concessions, which were actually beyond my means.

"But it's all fine to bring those who evade tax under the tax net. But to bring this vulnerable section into the tax net, that can't be the policy today. In fact if you put additional money in their pockets and allow them to spend, then I collect correspondingly more indirect taxes so I will rather encourage more economic activity."

On black money within the country, he said: "It is huge quantity and more easily traceable. Because you go to real estate, you go to land, you go to mining, you go to jewellery, you go to luxury goods, you will find the domestic (black money). You go to educational institutions, you will find it there. Therefore to trace out the buyers and the recipients is also easy."

Source : TOI

Saturday, November 22, 2014

Quote of the Day November 22

The home should be the treasure chest of living. - Le Corbusier

Post delayed is post denied

Propaganda has it that we have straightened the system, and cleaned it to the extent that it will meet your expectations; professionalism, you know. Last week, on Friday,  7th of November’14, I sent certain things to my daughter, who is studying in a boarding school at Dehradun, via speed post. These were articles she needed for her practical examinations. We were assured by the head post office here, at Srinagar, by the gentleman sitting behind the speed post counter, that this packet will be for sure delivered on the 10th, Monday. She has been preparing for this examination for a long time now to file her papers, and the last step was the practical display. Having spoken to her over the phone the following Wednesday, 12th Nov, we realized that she had received nothing till date. Thursday, we started perusing with the authorities about the status of the packet. No news, but they assured again it will be delivered soon. Again following it up with the local post office, now at Humhama. They said the packet is still in Delhi and the advise was that we call up the Dehradun post office to find out tomorrow.  On asking them to gives us the required telephone numbers, the person refused; saying he had no such numbers. And when we asked to give us the telephone number of the post master, Srinagar,  he very politely refused. They had given us the receipt, but problem was to find the status, and there is no website or telephone numbers. Upon  visiting  the Humhama post office the following day, 13th of November, the  person there checked on his computer. Not giving us any details, he simply said that the package is likely to  reach Dehradun today. Again in the afternoon I sent someone to check the status. The news was that package is in Dehradun, but the delivery is still not made.

My daughter was crying on phone while  speaking to her mother, saying that our carelessness has ruined her future. Her question was that why could we not find a courier service instead, and trusted the Indian postal service. We were heartbroken, as she could not stop crying the whole time she was on phone.  Her house mistress took the phone from her, and spoke to my wife, saying that she has to now arrange everything anew, and that that too in a single day, just tomorrow, something very hard. Believe it or not, I had a sleepless night seeking a miracle for this delivery – as I knew she had prepared her project for so long and just because of our inability we made a mess of things, jeopardizing the future of this little girl.

I never pray, but that day morning I woke to seek the delivery from the Divine. Friday morning we arranged a person in Dehradun to visit the local post office to find out why this packet was not delivered. Despite having all details with him, to his surprise, he was told by the local official that they cannot handover the packet to him. He insisted that it is the question of a little child’s future. The guy there replied, “I do not want to risk my job, you can meet my boss in this regard.' For two long hours he was made to wait as the boss was in a meeting, and guess what he said; the same thing. He was finally told that the packet will be delivered on Saturday, or Monday. But  by then it would have been useless. We were completely helpless. 

We spoke to them from Kashmir, begging them to deliver it.  They said, 'send the child with a valid I-card, otherwise we do it at our will'. Imagine we had to first request  the school,  have her miss the class, take her warden along, arrange a car, and send her to the post office before they say we are now closed for the day. My prayers were granted when she, at 4 pm on 14th November, Friday, finally received her packet. This time again in tears, but tears of joy that her hard work of months will bear fruit. Next time I have anything to send anywhere, never will it be this postal service. The pain and agony we had to bear was unbearable and we found ourselves helpless at every moment we approached them. I appeal everyone to play their cards safe – I do not want anyone to go through what we went through.



Source :
Share this article :

Government to consider retiring employees for promotions

NEW DELHI: The government employees must be considered for promotions in case meetings of the Departmental Promotion Committees (DPCs) are held after their retirement, the Centre has said. 

It would not be in order if eligible employees, who were within the zone of consideration for the relevant year but are not actually in service when the DPC is being held, are not considered while preparing year-wise zone of consideration or panel and, consequently, their juniors are considered (in their places), who would not have been in the zone of consideration if the DPC had been held in time, the Department of Personnel and Training (DoPT) said in an order. 

"Appointment Committee of Cabinet has observed that DPCs often do not consider such eligible officers who are retiring before the occurrence of the vacancy in the panel year," it said adding that this "undesirable trend negate the very purpose" of government's existing instructions for inclusion of such employees. 

The DoPT has asked all central government ministries and departments under it to ensure "strict compliance" of its instructions to include retiring employees for promotions in case the DPCs are delayed. 

Such retired officials would, however, have no right for actual promotion. The DPC may, if need be, prepare extended panel, the DoPT said.

Source :

India Post to help artisans go online

NEW DELHI: India Post has been asked to develop a framework to facilitate local artisans sell their products online, telecom and IT minister Ravi Shankar Prasad said here today. 

"I have asked India Post to develop framework where India artisan like in Kashi, handloom of Meerut, artisans at Tirupur can leverage postal environment to become big brand in e-commerce," Prasad said at an event organised by Indian Institute of Management Ahmedabad on public policy making. 

The minister had on Wednesday met Department of Posts officials, where they shared India Post's plans to tap opportunities in the e-commerce sector. 

India Post, which has world's largest postal network of 1.55 lakh post offices, has seen multifold rise in business since the time it entered in partnership with e-commerce companies. 

As per industry estimates shared by India Posts, e-commerce business in India was about $6 billion in value in 2012 and is expected to reach $76 billion by 2021. 

The distribution, delivery or logistics is projected to constitute about 12% of the total e-commerce market, accounting for about $9 billion by 2021. 

Prasad said government policy needs to balance growth and equity and be participative in nature. "We need to come up with framework which is not unilateral and is participative." 

The minister shared example of Jan Dhan Yojana which has resulted in opening of about 70 million new bank accounts within couple of months and getting public idea through '' website. 

"There was no requirement to deposit single penny in bank account opened under Jan Dhan Yojana but people deposited about Rs 6,000 crore in total," Prasad said. 

He said that policy should not be directed top-down but it should emanate from bottom and go up. 

He sought suggestions from IIM and other academic institutes in formulating policy that can be inclusive of people and bring growth along with equity. 

IIM-A chairperson for marketing Dhreeraj Sharma said that the institute is discussing various management strategies and systemic interventions which can help government deliver their plans and policies in the most expeditious and effective manner. 

"We hope that discussions and interactions during the course of this conference will result in the creation of the sentiment with reference to development and implementation of public policy," Sharma said.

Source :




Chief Justice Chandrachud who delivered the 17-12-1982 historical judgment

D.S.Nakara who fought heroically after his retirement for justice to all pensioners

Pensioners can never forget 17th December. It was on this day in the year 1982 that the historic judgment by the constitutional bench headed by the Chief Justice Chandrachud in the famous case filed by Nakara was delivered to up hold the fundamental right of pension by the Pensioners.

The judgment had categorically ruled that “ (i) that pension is neither a bounty nor a matter of grace depending upon the sweet will of the employer and that it create a vested right subject to 1972 rules which are statutory in character because they are enacted in exercise of powers conferred by the proviso to Art.309 and clause (5) of Art.148 of the constitution; (ii) that pension is not an ex-gratia payment but it is a payment for the past service rendered and (iii) it is a social welfare measure rendering socio-economic justice to those who in the heyday of their life ceaselessly toiled for the employer on an assurance that in their old age they would not be left in lurch ’’

Incidentally Shri.Nakara who was born in the year 1914 and entered in Government Service in the year 1937 and retired in the year 1972 went to court and fought heroically for ten long years to get the above historic judgment in the year 1982 had passed away in the year 2009 at his age of 96. This year being the centenary year of his birth, it is appropriate to celebrate his centenary of birth along with the Pensioners Day on 17-12-2014 as the Day of “ Pensioners Day – Senior Citizens Day – and Centenary year of Birth of Nakara”.

AIPRPA CHQ Calls upon all Postal Pensioners to forge unity with other Pensioners everywhere and celebrate 17-12-2014 in a befitting manner. If you have a District or Divisional Branch of AIPRPA or not, the CHQ calls upon the Postal Pensioners to observe the day and remember Nakara to take the pledge to fight continuously until the Government is forced to withdraw the PFRDA and uphold the right to pension to all  Pensioners of Central Government and other pensioners. Moreover let us stand for the grant of Universal Pension to all Senior Citizens in the world and in our country.

Observe 17-12-2014 as:
Pensioners Day
Senior Citizens Day

Centenary of Nakara’s Birth


All India Postal Employees Union Gr-C

Gudur Dn

DASV Prasad
Circle secretary

                    Respected comrade,
                       Sub: Issues to be taken up at higher level-reg;

                       The following issues may please be taken up for readressal on  priority basis.
1.Roll backing the IP/ASP line postmasters replacing by general line officials (General secretary said in our circle conference that in Tamilnadu all such cases have al ready been rolled back.

2.Augumentation of clerical establishment in all post offices in the entire Andhra Circle.

3.Dequartalization of post offices where no minimum basic facilities and where no insufficient accommodation prevails. Circle office may ask all Divisional heads to furnish details.

                                          Thanking You

                                                                                       Yours Comradely
               K Sudhakar     
          Divisional Secretary



Friday, November 21, 2014

Quote of the Day November 21

Deep in their roots, all flowers keep the light. - Theodore Roethke

Aadhar Based Bio-Metric Attendance System for all Central Govt Employees before 26.1.2015

 Dopt said in the order that the Aadhar Based Bio-Metric Attendance system will be installed in the offices located in Delhi/ New Delhi by 31st December 2014. In other places this may be installed by 26th January 2015.

Biometric attendance system is only an enabling platform. There is no change in the instructions relating to office hours, late attendance etc. which will continue to apply. 

Introduction of Aadhar Enabled Bio-metric Attendance System - Dopt Orders issued on 21.11.2014

No: 11013/9/2014- Estt (A-III)
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Personnel & Training

New Delhi, dated 21st November 2014.


Sub: Introduction of AADHAR Enabled Bio-metric Attendance System

It has been decided to use an AADHAR Enabled Bio-metric Attendance System (AEBAS) in all offices of the Central Government, including attached/ sub-ordinate Offices, in India. The system will be installed in the offices located in Delhi/ New Delhi by 31st December 2014. In other places this may be installed by 26th January 2015

2. The equipment will be procured by the Ministries/ Departments as per specifications of DeitY on DGS&D Rate Contract from authorized vendors. The expenditure will be met by the Ministries/ Departments concerned under their O.E. The manual system of attendance may be phased out accordingly.

3. The Department of Electronics and Information Technology (DeitY) will provide the technical guidance for installing the system. The equipment already procured by DeitY have a built in AMC of three years. The Ministries/ departments may ensure that the equipment being procured by them have similar provision.

4. Biometric attendance system is only an enabling platform. There is no change in the instructions relating to office hours, late attendance etc. which will continue to apply. As per extant instructions, (contained in DoPT O.M. No: 28034/8/75- Estt-A dated 04-07-1975; No:28034/10/75-Estt-A dated 27-08-1975; No: 28034/3/82 —Estt-A dated 05-03-1982) half—a-day’s Casual Leave should be debited for each day of late attendance, but late attendance upto an hour, on not more than two occasions in a month, and for justifiable reasons may be condoned by the competent authority. In addition to debiting Casual Leave (or Earned Leave, when no CL is available). Disciplinary action may also be taken against government servants who are habitually late. Early leaving is also to be treated in the same manner as late coming.

5. These orders come into force with immediate effect.

6. All Ministries/ Departments are requested to bring this to the notice of all concerned.

(J.A Vaidyanathan)
Director (Establishment)

Special benefits in cases of death and disability in service - Revision of Disability Pension/Family pension of Pre-2006 disability pensioners/ Family Pensioners - regarding.

To view please Click Here.

Official dealings between the Administration and Members of Parliament and State legislatures - Observances of proper procedure.

To view DoPT Memo dated 19/11/2014, please CLICK HERE.

Grant of Fixed Medical Allowance (FMA) to the Central Government Pensioners residing in areas not covered under CGHS.

Fixed Medical Allowance (FMA) enhanced from Rs. 300/0 p.m. to Rs. 500/- per month w.e.f. 19/11/2014.

To view DoPT OM dated 19/11/2014, please CLICK HERE.

Kisan Vikas Patra - SAS Agents will get 0.50% commission

Levy of charges for non-maintenance of minimum balance in savings bank account: Additional Guidelines effective from 01.04.2015

Levy of charges for non-maintenance of minimum balance in savings bank account shall be subject to the following additional guidelines:

(i) In the event of a default in maintenance of minimum balance/average minimum balance as agreed to between the bank and customer, the bank should notify the customer clearly by SMS/ email/ letter etc. that in the event of the minimum balance not being restored in the account within a month from the date of notice, penal charges will be applicable.

(ii) In case the minimum balance is not restored within a reasonable period, which shall not be less than one month from the date of notice of shortfall, penal charges may be recovered under intimation to the account holder.

(iii) The policy on penal charges to be so levied may be decided with the approval of Board of the bank.

(iv) The penal charges should be directly proportionate to the extent of shortfall observedIn other words, the charges should be a fixed percentage levied on the amount of difference between the actual balance maintained and the minimum balance as agreed upon at the time of opening of account. A suitable slab structure for recovery ofcharges may be finalized.

(v) It should be ensured that such penal charges are reasonable and not out of line with the average cost of providing the services.

(vi) It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.

Above guidelines are annexed with the undermentioned RBI Order regarding Levy of penal charges on non-maintenance of minimum balances in savings bank accounts:-


November 20, 2014

All Scheduled Commercial Banks
(Excluding RRBs)

Dear Sir/Madam

Levy of penal charges on non-maintenance of minimum balances in savings bank accounts

Please refer to our circular DBOD.Dir.BC.53/13.10.00/2002-03 dated December 26, 2002 on ‘Minimum Balance in Savings Bank Accounts’ advising banks to inform customers, in a transparent manner, regarding the requirement of minimum balance in savings bank account and levy of penal charges for non-maintenance of the same at the time of opening the account.

2. In this connection, a reference is invited to paragraph 30 of Part B of First Bi-monthly Monetary Policy Statement, 2014-15 announced on April 1, 2014, regarding ‘Developmental and Regulatory Policies’ proposing certain measures towards consumer protection. One of the proposals contained therein was that banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to Basic Savings Bank Deposit Accounts and restore the services when the balances improve to the minimum required level. A reference is also invited to the recommendations of Damodaran Committee on customer service in banks which, inter-alia, recommended that ‘banks should inform the customer immediately on the balance in the account breaching minimum balance and the applicable penal charges for not maintaining the balance by SMS/Email/letter. Further, the penal charges levied should be in proportion to the shortfall observed’.

3. The policy announcement has been reviewed after extensive consultation with banks. Consequent to these deliberations and after taking into consideration the recommendation of Damodaran Committee, it has been decided that while levying charges for non-maintenance of minimum balance in savings bank account, banks shall adhere to the additional guidelines given in Annex [as above]. The guidelines come into effect from April 1, 2015.

4. These guidelines should be brought to the notice of all customers apart from being disclosed on the bank’s website.

5. In the meantime, all banks are advised to take immediate steps to update customer information so as to facilitate sending alerts through electronic modes (SMSs/emails etc) for effective implementation of the guidelines.

Yours faithfully

(Lily Vadera)
Chief General Manager

New Kisan Vikas Patras may fail to generate investors' interest

The new Kisan Vikas Patra (KVP) has been launched with much fanfare but experts doubt if they will generate interest among urban investors. "There are many fixed-income products that offer higher returns compared to these new KVPs," says Delhi-basedtax consultant Surya Bhatia.

The Public Provident Fund (PPF), for instance, offers 8.7% tax-free returns. But the interest earned on KVPs is fully taxable, so the post-tax return for someone earning more than Rs 10 lakh a year gets pared down from 8.7% to a niggardly 6% (see table). The only difference is the Rs 1.5 lakh annual investment limit in the PPF. There is no upper limit for investments in the KVPs.

New Kisan Vikas Patras may fail to generate investors' interestBut bank deposits don't have investment limits as well. Small private banks such asLakshmi Vilas Bank and Karnataka Bank and a few PSU banks are offering up to 9% on fixed deposits of 8-10 years, making them a better proposition than KVPs.

Senior citizen investors should also stay away from these re-launched instruments. They can get 25-30 basis points higher interest on bank deposits. Besides, the Senior Citizens' Savings Scheme offers them 9.2% as well as tax benefits under Section 80C. The post-tax returns in the 30% bracket work out to 35 basis points higher than what KVPs offer. The only disadvantage is the Rs 15-lakh investment limit per individual in the Senior Citizens' Saving Scheme.

Financial planners say the new KVPs should appeal to the unbanked population in rural areas. Cheque books and bank accounts are not necessary and investments and the maturity amount can be in cash. "The rural population will find these products useful. But these KVPs are irrelevant for urban investors who have access to regular banking," says Pankaaj Maalde, head of financial planning,

However, the acceptance of cash doesn't mean these instruments can be used for money laundering. The government has clarified that investors will have to comply with KYC rules applicable to other small savings schemes of the post office.

KVPs can be transferred to another person any number of times. Though this will improve liquidity, financial planners fear that financially-illiterate investors might lose out if they miscalculate the accrued interest and sell the bonds at a discount.

PSU tax-free bonds traded in the secondary debt market offer a better deal to investors because the price factors in the interest accrued till that day. These tax-free bonds are offering a better posttax yield of about 7.2% right now. Besides, there is also the possibility of capital gains if interest rates are cut.

For more evolved investors, fixed maturity plans and debt funds can be the best way to invest in debt. The returns after indexation can be significantly higher than what these KVPs are offering.


Grant of provisional pension to retired railway servants against whom departmental or judicial proceedings are in progress

Grant of provisional pension to retired railway servants against whom departmental or judicial proceedings are in progress
RBE No. 127/2014

No. 2014/F(E)III/1(1)/1
New Delhi, Dated:13.11.2014

The GMs/FA&CAOs,
Indian Railways/Production Units.
(As per 
mailing list)

Subject: Grant of provisional pension to retired railway servants against whom departmental or judicial proceedings are in progress.

Rules on payment of provisional pension are contained in rule 10 of Railway Services (Pension) Rules,1993. The amount to be paid as provisional pension has been clarified vide Boards letter No.F(E)IlI 78 PN1/11 dated 17.5.78 which inter-alia states that in such cases, 100% pension which is otherwise admissible to the railway servant should be authorized as provisionalpension, as in cases of normal

2. It is reiterated that the instruction contained in Boards letter dated 17.5.78 that provisional pension will be equal to 100% pension which is otherwise admissible to the railway servant still holds good.

3. Please 
acknowledge receipt
(Amitab Joshi)
Deputy Director Finance(Estt),
Railway Board.