Tuesday, 30 June 2015

Guides for LGO examination from MTS / Postman to the cadre of Postal Assistant

 | Tuesday, June 30, 2015

http://sapost.blogspot.in/

Syllabus:
Paper I :: General  English  and Grammar,       Arithmetic & Tabulation
Paper II   Postal/Mail Office operations with reference to Post Office Guides

        Shri. P.Karunanithy, Retired SPOs has prepared guides for LGO examination to the cadre  of Postal Assistant  as per latest syllabus. Previous years questions and answers were incorporated in the guides. His study materials elevate so many officials to higher level in the Department of Posts.

JEEVAJEGAN PUBLICATIONS
Guide for General English
Rs. 150/-
Guide for Post Office Guides
Rs. 150/-
Guide for Mathematics
Rs. 250/-
Postage
  Rs.  50/-
Total amount to be remitted
Rs. 600/-
All books are in English version only

To get the books by Registered Post, please remit Rs. 600/- Six hundred only by Money Order to the following address:


JEEVAJEGAN PUBLICATIONS,
No.5, MOOVENDAR NAGAR EAST,
MADURAI RESERVE LINES PO,
Madurai 625014

Expected DA hike from July 2015 might be 6%

 Tuesday, June 30, 2015

As already calculated in March, 2015 & April 2015 Expected DA/DR will be 119% with effect from July, 2015, it is now confirmed with 2 points increase in May, 2015 CPI-IW. As per press release issued on today by Labour Bureau the All India Consumer Price Index for Industrial Worker for the month May, 2015 increased by 2 points and pegged at 256. The 6% increase in future DA/DR from July, 2015 i.e. DA/DR will be 119% from July, 2015 is more confirm with this increase. 

A 6 points increase in June, 2015 CPI-IW Index is needed to increase the above said calculation in expected DA/DR to 120% and the other side a 8 point decline in June, 2015 CPI-IW Index is needed to decrease the expected DA/DR to 118%. The 6 points increase and 8 point decrease is future CPI-IW index is not near to possibility.

Therefore, Dearness Allowance for Central Government Staff and Dearness Relief for Pensioners with effect from July, 2015 is likely to increase 6% and to be 119% the present DA/DR is 113%

Digital India Week

Tuesday, June 30, 2015

7th CPC likely to recommend Jan 1, July 1 as Annual Increment days

7th Pay Commission likely to recommend Jan 1, July 1 as Annual Increment issuing days

“On July 1 of each year, annual increments are given for all the Central Government employees. So, tomorrow is the “Increment Day” for all.”

The 6th Pay Commission had introduced the practice of granting annual increment for all on the same day. Until then, increments were implemented for the employees based either on their date of joining or on their promotion dates.

In order to reduce the monthly work burden and for administrative expediency, suggestions from the various departments were presented to the 6th Pay Commission to recommend a single day as increment date. The 6th Pay Commission had recommend 1st July of earch year as increment day. From 01.01.2006 onwards, July 1 was made the day of implementation of annual increments to all CG staff.

Employees who are appointed after January 1st are not eligible for that year’s annual increment on July 1. They qualify for annual increment only the next year. And those who retire on 30th June, they are not eligible for annual increment.

The new increment rule continues to make a huge impact, when employees are joining duty and retire from duty, due to complex CCS (RP) rules on increment. Pointing out the practical difficulties in implementing this scheme, the National Council JCM suggested to the 7th Pay Commission may recommend that two specific dates, Viz January 1st and July 1st.

According to the NC JCM Staff Side suggestion, those recruited/appointed/promoted during the period between 1st January and 30th June will have their increment date on 1st January and those recruited/appointed/promoted between 1st July and 31st December will have it on 1st July next year.

It was also suggested to recommend that those who retire on June 30 and December 31 should be given one increment on the last day of their service.

Reliable sources confirm that, instead of granting 1st July, the 7th Pay Commission may recommend to implement a 2 Day annual increment method.

Source: CGEN.in

Monday, 29 June 2015

A concise introduction of pay commissions for CG Employees
Central Pay Commissions and Central Government Employees…
Generally, Central Government Employees who works in different ministries and departments under the Central Government, play major roles in the smooth functioning of the country. Employees under different departments work so hard to maintain law and order, stabilizing the economy, security to the people and defending our nation from enemies. Even though they are not large in numbers, their work during major crisis like natural calamities, earthquake and floods, stands apart. They are even asked to work 24 hours a day on all working days during emergencies. Our Defence Forces have done breathtaking efforts and marvellous work to evacuate Indian citizens from foreign countries which are under civil wars. They are bold enough to cross the border of our neighbouring country to fight against terrorists who had earlier ambushed and killed our security forces. Everyone must be proud of our defence forces for their bravery and skills.
Students after completing their tough academic career in different streams, keeps their first preference to get a government job. Though the pay packages are lower than multinational companies, they think that government jobs give more security to them.
As everyone knows that the pay and allowances for the central government employees are fixed by the central government as per the recommendations of Central Pay Commissions (CPCs). The central government constitutes Pay Commissions by appointing highly placed personalities as Chairman and Members. The commission then studies the economic conditions, day today difficulties of employees, their ideas etc., and give its recommendations to revise pay packages for the employees in every ten years. The commission submits its recommendations to the central government and the government in turn, takes final decision to implement the Pay Commission. Usually, the commission is given 18 months time to submit its report on the recommendations on pay revision:
PAY COMMISSIONS:
The First Pay Commission was appointed on May 1946, and it submitted its report in May 1947.
The Second CPC was appointed on August 1957, and it submitted its report in August 1959.
The Third CPC was appointed on April 1970, and it submitted its report in March 1973.
The Fourth CPC was appointed on June 1983, and three reports were submitted in June 1986, December 1986 and May 1987 respectively.
The Fifth CPC was appointed on April 1994, and submitted its report in January 1997.
The Sixth CPC was appointed on October 2004, and submitted its report in March 2008.
SEVENTH PAY COMMISSION:
The Seventh Central Pay Commission was constituted on the 28th of February 2014 under the Chairmanship of Justice Shri Ashok Kumar Mathur, Shri Vivek Rae as full time member and Smt. Meena Aggarwal as Secretary. The Commission has been given 18 months from the date of its constitution to make its recommendations.
From the date of its constitution, the commission travelled all over the country meeting different delegates, officers, trade union leaders, associations, employees etc., under different departments to take stock of the economic conditions faced by the employees and the impact of rising prices of essential commodities on them.
Finally, the Chairman of the 7th CPC in their final meeting with the National Council JCM, has said that Commission will submit its report to the central government in September 2015. Points regarding the implementation of the 7th CPC were discussed. The Chairman denied any proposal to implement the recommendations from 01.01.2014 and said that the revised pay structures and recommendations will be implemented from 01.01.2016.
Let us hope for the best!!!

EDITORIAL POSTAL CRUSADER: JULY 2015

EDITORIAL POSTAL CRUSADER: JULY 2015

Dear Comrades,

“MAKE THE NFPE STRONGEST BY ENROLLING MAXIMUM MEMBERSHIP”

          Process of fresh verification of membership is going on. Our entire rank and file is making all efforts to enroll maximum membership in favour of all NFPE unions. This is high time when we have to prove that the NFPE is only the vanguard and first and natural choice of entire Postal Employees.

         Some disruptive forces who do not like the unity of workers have started playing their dirty game by introducing new unions in P-III and P-IV with the word “United”. So we have to make aware the members about it. Our rival unions are also making all efforts to delay the process of verification. One union  which is affiliated with  the ruling class  is also putting  so many hurdles in the verification  process as they  know that they  cannot reach to the goal and want to enjoy the facilities  granted by Govt. in the  name of  limited  trade union facilities.

         Make the members understand that this is the NFPE who has been continuously and consistently fighting for the cause of entire postal employees since its formation from 1905 in the form of Postal Club and thereafter as NFPTE/NFPE from 1954. Many historic and glorious strikes have been conducted under the banner of NFPE and have achieved so many demands. Recently recruitment in all cadres, stoppage of closure of 9797 Post Office and closure and merger of RMS Offices and  halt on Corporatization and privatization as recommended by Task Force Committee, in Postal Services  are our  great achievements, But still we have to travel a long  journey and being  in the main stream of working class  we have to fight  against the economic policies of Govt. of India which  are totally against  the interests  of working class and common man.

           We have to start our serious preparations to make 2nd September-2015 –Nation Wide General Strike on the call of Central Trade Unions, a historic success. This is a big fight of working class to resist the policies of Central Government which are Pro-capitalist and anti working class. Within the period of one year of Modi Government so many retrograde policies have been implemented. The existing labour laws i.e. Industrial Dispute Act, Contract Labour (Regulation and wages) act, Factories Act, Apparentice Act have been amended in favour of industrialists. The Government is moving ahead very fast to privatize most of the government service like Railways, Defence, Telecom, Postal, Banking, Insurance etc. by introducing FDI. Disinvestment has been started in Profit making Public Sector undertakings. Ban on recruitment in Central Government Services has further aggravated the problem of unemployment as lakhs and lakhs educated youth is wondering hither and thither for the search of job. Outsourcing, contractrization, hire and fire policies are paving way for exploitation and corruption.  So being a responsible organization we have to fight against all these retrograde policies of Government of India.

        For fighting we have to make ourselves strong and we can become stronger only by enrolling maximum membership in favour of all NFPE unions and if NFPE becomes  stronger it will be more advantageous  to Postal Employees in particular and entire  Central Government Employees and working class in general.

        So please enroll maximum membership and make the NFPE strongest.

Sunday, 28 June 2015

List of office bearers of Odisha State JCA formed under National JCA on 21.06.2015



 
Odisha State Joint Council of Action formed under the National J C A in the joint convention of Confederation of Central Govt. Employees and Workers and All India Railwaymen’s Federation on 21.06.2015 unanimously elected the following office bearers in the presence of Com. Shiv Gopal Mishra, Secretary, National Council, JCM (Staff Side), Convener National JCA and General Secretary, AIRF.

Portfolio
Name
Organization to which belong
Chairman
Com. R N Dhal, General Secretary, Confederation of Central Govt. Employees and Workers, Odisha State Coordination Committee.
Confederation of Central Govt. Employees and Workers
Convener
Com. Nirakar Satpathy, General Secretary, East Coast Railway Shramik Union , Bhubaneswar
All India Railwaymen’s Federation
Joint Convener
Com. M M Samal
Confederation of Central Govt. Employees and Workers
Com. Bruhaspati Samal
National Federation of Postal Employees
Com. Debabarata Mohanty
National Federation of Postal Employees
Com. P K Patasani
All India Railwaymen’s Federation
Com. Pitabasa Nayak
All India Railwaymen’s Federation
Com. S S Achrya
Central Ground Water Board
Com. Ishwar Ch. Sahoo
Geological Survey of India
Com. Kishore Ch. Sahoo
Govt. of India Text Book Press (Printing and Stationery)
Com. Bharat Ch. Sahoo
Central Public Works Department
Com. Parsuram Rout
Survey of India
Com. J K Mishra
Institute of Physics
Com. P C Nayak
Regional Medical Research Centre
Com. B P Acharya
Income Tax

Joint Council of Action – the need of the hour

Written By Admin on June 26, 2015 | Friday, June 26, 2015



Divisional Secretary
AIPEU, Gr.-C, Bhubaneswar
Bruhaspati Samal


We, the Central Govt. employees are passing through such a critical moment when we are fighting heart and soul to save our respective Departments from corporatization / privatization. It is seen that in almost all the Departments, the Central Govt. employees are talking less on their common day to day problems, pay and promotion related issues etc. Rather, they are talking more about the corporatization, privatization, disinvestment and anti-workers / anti-employees policies of the present Govt. Mass scale down-sizing of various Central Govt. establishments, long term ban on creation of new posts, arbitrary abolition of posts, non-filing of vacant posts, out sourcing of sensitive jobs, 100% FDI in department like Railways, 49% FDI in Defence establishment etc. have given clear indication of the motive of the present Govt. to move towards privatization of Central Govt. establishments. Presently, the Govt. has been engaged in protecting interests of domestic and global corporate houses. A process is going on now first to corporatize not only Department of Posts but several other Govt organizations and PSUs and then to gradually weaken those organizations through disinvestment and eventually either to privatize or to close such organizations. As if, the present Govt. is a Govt. of the Corporate for the Corporate.

Perhaps this is the special characteristic of Indian democracy not to accept most of the times those things from political point of view which are considered right from economic point of view. Illustratively, we can witness that those people once opposing disinvestment in UPA Govt., now considering disinvestment of nearly Rs.41000 crores during the current financial year from 15 Public Sector Undertakings including several NAVRATNA profit earning companies on the plea that nothing is left as surplus revenue with the Govt. to do welfare activities for the public and nation after incurring heavy expenditure towards payment of interest on loans, pay and allowances of the employees and subsidies. Such plea taken by the Govt to adopt the disinvestment policy is nothing but to cover up its own deficiencies of poor economic policies befooling the common citizens of India. Recently, in an exclusive interview with Headlines Today's Karan Thapar on the first anniversary of BJP-led NDA government on 1stMay, 2015, Arun Shourie, one of the most influential BJP leaders during the Atal Bihari Vajpayee government, criticised the Prime Minister for poor handling of the Indian economy. The government lacks clear thinking. There is a big gap between perceptions and promises, and projections and performances. The present economic policy is directionless. There is no big picture in economic policy. The growth claims are only to make headlines and the government only wants to manage headlines. This has been substantiated by World Street Journal recently in an article titled “India’s Modi at one year - Euphoria phase is over, Challenges loom” and several other foreign media house like New York Times.Mr. Modi’s “Make in India” drive, which aims to supercharge manufacturing growth to 12% to 14% a year, is so far mostly hype. The economy is merely limping along.

But as responsible Indian Citizens, we the Central Govt employees can neither ignore the overwhelming majority of the toiling masses nor allow the innumerable multinational companies patronized by NDA Govt. to rule us again. We have already the bitter experience of one British East India Company. So this time, the struggle programmes will not be ordinary traditional struggles for pay and promotion. This will be a struggle to save the nation as a whole. This is not the problem of the postal employees alone so that NFPE will march ahead alone. Time has come for each and every Central Govt. establishment to raise voice together against the arbitrary amendment of Labour laws. We can’t sit silent when the basic rights of the workers are being snatched away. We have to register our strong protest against the arbitrary land acquisition bill intended to snatch away the rights of the farmers. We have to move a massive organizational campaign against all the anti-employees’ policies of the Govt. We cannot repeat the same mistake and allow the Companies to rule us again.

When devastation comes, no other alternative is left but to gather under one umbrella irrespective of cast, creed and colour, irrespective of cadre and wing and to raise one voice. That’s why, we have already gathered under one umbrella in the name of National JCA comprising Confederation of Central Govt. Employees and Workers, Railways and Defence Federations for common problems of the Central Govt. Employees and in the name of Postal JCA comprising NFPE and FNPO for postal related issues. We have already proved it in the recent march to Parliament on 28th April, 2015 declaring indefinite strike from 23rd November, 2015 for all common issues of Central Govt. employees. As we know, the Indefinite Strike call given by the Postal JCA from 6th May 2015 has been deferred basing on the assurances of the Hon’ble Minister, Communications and IT. But assurances are assurances. We can’t believe on mere assurances. Under no circumstances, we will allow the Govt. to corporatize any Central Govt. establishments including postal services. As per the decision made in the meeting with Official Side on 25th February, 2015, the Staff was advised to meet and discuss the issue with the concerned departments on our demand “No privatization, PPP or FDI in Railways and Defence Establishments and no corporatization of postal services”. Accordingly the Postal JCA leaders met the Secretary (Posts) on 30th April, 2015 and Hon’ble Minister, Communications on 05th May, 2015 and discussed on all our sectional demands including “No Corporatization of Postal Services”. The replies given to the Staff Side are not at all convincing. While the GDS issues were just noted by the Chairman, National Council, JCM, the Hon’ble Minister, Communications assured to reconsider with an open mind. And we better know the open-mindedness of the present Govt. With respect to ban on creation of posts, it was replied that expectations are made for operational needs. For scrapping of PFRDA Act, we were suggested to discuss the issue with Department of Financial services. For removal of arbitrary ceiling on compassionate appointment, it was agreed that DoPT would revisit the issue. And most importantly, no assurance has been given by the Hon’ble Minister on corporatization of Postal services.

In addition, while the functional activities of the Department are drastically changing inviting innumerable new problems to the employees especially on I T modernization Project and Core Banking Solutions, the administration is exploiting us to the maximum extent as if we are bonded labourers. The fixed duty hour which we had achieved through our historic struggle movements has now been a question. With increased working hours due to acute shortage of staff and arbitrary abolition of posts, additional pressure due unachievable targets for POSB, PLI/RPLI and business products, frequent system problems due to improper software, inadequate professionals and outdated accessories, hasty migration of post offices to CBS platform without required technical, hardware and manpower support, compulsion of cent percent delivery in the absence of adequate delivery staff and support system, introduction of new products and services without proper education and training to the employees and such other problems arising out of computerization and modernization, the employees are suffering like anything. The callousness of the administration needs to be answered properly.

So now, only one voice is required. This time, the voice should be louder and unique. Together we can move the world. One, who can’t be taught by reason, shall be taught by force. And our force is our togetherness and unity. We have already proved it through our several rigorous struggle programmes from pre-independence era till date. We have fought and achieved. The glorious history of P & T Trade Union Movement tells us that nothing can stop us. We can achieve all our demands through our unity and agitation, through one platform and one voice. We have just to carry forward our glorious traditions with additions of new ideas that will suit our future needs with an eye to the current transformation. And it is quite possible in the era of digital world. Just a commitment is required. To be more active and more progressive, let’s promise to be more militant and aggressive on our issues under the banner of National / Postal Joint Council of Action. Hope, the unions/associations presently out of the JCA should consider actively to join the mass movement to save the nation.

*****
Source : http://aipeup3bbsr.blogspot.in/

Revitalising postal finance

Written By Admin on June 27, 2015 | Saturday, June 27, 2015


Editorial, Saturday, June 27, 2015

Two separate news items on postal-based finance have appeared in two different newspapers in two countries -- Bangladesh and India-- within a week.

The Bangladeshi newspaper depicts a sad picture of the country's postal financing. It reports that despite being cheaper, electronic money transfer (EMT) service through the post offices is falling behind the private sector operators. The annual transaction of postal-based EMT has declined to Tk 5.13 billion this fiscal year from Tk 10.74 billion in the previous year.

The Indian newspaper presents an optimistic move in reviving India's postal financing activities. It reveals that Indian post offices are likely to turn into payment banks soon. The Indian government is considering using the massive network of Indian postal services to bring the poor and marginal people under the umbrella of formal financial services, especially the Jana Dhan Programme. The news item also says that the Reserve Bank of India (RBI) may formally provide payment licence to give postal banking a big push. Indian finance minister, in his budget speech for FY'16 budget, disclosed the plan in February this year.

In order to make Indian postal financing widespread, automated teller machine (ATM) was introduced last year with a mega plan to cover 2,800 post offices by 2015. It has also been planned to set up some 135 thousand micro-ATMs in rural post offices.

It is interesting to note that in South Asia, Bangladesh is actually the pioneer in introducing postal ATM service. The country introduced postal cash card service in 2012 and in 2013 this card became eligible for withdrawing money from different ATM booths. Having co-branded ATM service with Sonali Bank, the largest commercial bank in the country, postal cash card holders have access to ATMs. Moreover, some 3,000 ATMs of 33 commercial banks are also useable for postal cash card through the Q-Cash payment gateway.

Using the wide network of post offices was initially mooted by the Western Union, the international money-transfer company, as an efficient method of dealing with the remittance money sent by Bangladeshis from abroad. In 2008, Bangladesh Post Office (BPO) formally introduced the service with 400 post offices across the country. The network was later extended.

The popular money order system has also been converted into electronic form to make it easier and faster. This EMT of post offices was awarded 'mBillionth Award South Asia 2011' for introduction of mobile money transfer service. Response to this service was huge after introduction. Total transactions jumped to Tk 23 billion in FY'12 from Tk 7.26 billion in FY'11. In FY'13, the amount was around 22 billion. But in FY'14, it came down to Tk 10.74 billion. The downward trend has continued in the current year.

Newspaper reports identified the aggressive marketing of private players as the major reason behind the decline of postal EMT transactions. Bkash, a Brac Bank initiative, is now the market leader while many private commercial banks are also providing the service and in some cases it is a door-to-door service. Bkash has innumerable agents throughout the country and anybody can open an account with Bkash for personal transaction. This service is available seven days a week and is available for almost 24 hours. There is no need to go to fixed service points as is the case with post offices. Post offices have weekly and other public holidays and so they are not in a position to deliver services 24x7.

Moreover, maximum post offices in Bangladesh have lack of modern facilities and are situated in old buildings or vulnerable premises. These pose a security risk for keeping big cash. There is also shortage of manpower, especially manpower equipped with technology. A large section of the workforce in the postal department is not comfortable with the quick service delivery mechanism. Many of them even find technology-based initiative a threat to their jobs. Typical bureaucracy and unwelcome attitude also discourage people to go and avail EMT service in post offices.

The postal authority is aware of these hindrances. Some initiatives were taken to overcome these but without much success. For example, appointing agent service is necessary to make the EMT vibrant. But postal authority is yet to do so. 

The proposed budget for the postal department is Tk 7.30 billion in FY'16 which was Tk 5.84 billion in FY'15. But major part of the budget is revenue expenditure. The finance minister, in his budget speech, however, said that the programme for "transforming 8,000 rural post offices and 500 union post offices to E-centres is underway." He also mentioned that e-centres are being introduced in 174 post offices on a pilot basis in the new fiscal year, and that another 250 post offices would be brought under the process.

Against this backdrop, it is important to take well-planned strategy to energise the postal financing system. Banks and financial intuitions of the country have some 9,000 branches across the country while the number of post offices is around 9886. Post office network is wider than the banking network. All it needs are some reforms and restructuring which won't cost much.

In India, there are some 1,55,015 post offices while the number of formal bank branches is 85,000. Thus post office network in India is clearly wider than banking network. That's why Indian government is trying to use the post office network which spreads all over the country including rural areas and distant parts.

Bangladesh can take cue from the Indian move in reviving postal finance. Despite Bangladesh Bank's move to encourage mobile banking and other initiatives like 'bank account of 10 taka', there is a big informal and unauthorised network of money transfer across the country. Compared to such informal network, postal network is still believed to be safer and trustworthy. Even the government's budgetary support could be easily transferred through post offices. Post offices have been maintaining postal savings bank system for long and so it should not be very difficult to turn post offices into payment banks.

ATAL PENSION YOJANA – BENEFITS AND FEATURES BY PFRDA

Written By Admin on June 28, 2015 | Sunday, June 28, 2015

Pension Fund Regulatory and Development Authority
First Floor, ICADR Building, Plot No 6, Institutional Area Phase II,
Vasant Kunj, New Delhi-110070

ATAL PENSION YOJANA – BENEFITS AND FEATURES

1. Anybody in the age group of 18-40 years can join !!

2. You can choose your pension plan from Rs 1,000/- to Rs 5,000/- per month.

3. Your contribution depends on your age and the pension plan you choose!

4. You can be a member of any existing PF/Pension scheme such as EPF/PPF/Govt. pension and still join APY!

5. You can be an Income tax payer and still join APY.

6. For (4) and (5) above, Govt. Co-contribution is not available but Govt. guarantee for pension will be available!

7. Govt. Co-contribution of 50% of subscribers’ contribution or Rs 1,000/- per annum, whichever is lower will be available for five years only to subscribers joining by 31st December 2015.

The monthly contribution chart for different age groups and pension amounts is given below:
Joining Age
Years of Contribution
Indicative Monthly Contribution under APY (Rs.)
Monthly pension of Rs. 1000.Indicative return of corpus Rs 1.70 lacs
Monthly pension of Rs. 2000.Indicative return of corpus Rs3.40 lacs
Monthly pension of Rs. 3000.Indicative return of corpus Rs 5.10 lacs
Monthly pension of Rs. 4000.Indicative return of corpus Rs6.80 lacs
Monthly pension of Rs. 5000.Indicative return of corpus Rs 8.50 lacs
18
42
42
84
126
168
210
19
41
46
92
138
183
228
20
40
50
100
150
198
248
21
39
54
108
162
215
269
22
38
59
117
177
234
292
23
37
64
127
192
254
318
24
36
70
139
208
277
346
25
35
76
151
226
301
376
26
34
82
164
246
327
409
27
33
90
178
268
356
446
28
32
97
194
292
388
485
29
31
106
212
318
423
529
30
30
116
231
347
462
577
31
29
126
252
379
504
630
32
28
138
276
414
551
689
33
27
151
302
453
602
752
34
26
165
330
495
659
824
35
25
181
362
543
722
902
36
24
198
396
594
792
990
37
23
218
436
654
870
1,087
38
22
240
480
720
957
1,196
39
21
264
528
792
1,054
1,318
40
20
291
582
873
1164
1454

SUBMIT YOUR APPLICATION FORM AT YOUR BANK BRANCH
For more information, Please call on our APY Toll free No. 1800110069

Source: PFRDA