KYC Norms for India Post Payment Bank

Just a few months before the new crop of payment banks start their operations, their chiefs are a worried lot.

The banking regulator's ask in terms of meeting the Know Your Customer (KYC) norms has put them at par with traditional banks, and firms are concerned that the preference for "paper-based" KYC will be a cost-intensive and time-consuming exercise — and therefore a major impediment to the growth of the new age banks. 

Paytm payment bank's CEO Shinjini Kumar told ET that the industry is very "aggrieved" with the Reserve Bank of India (RBI) asking all entities to adhere to the centralised KYC system instead of just relying on the Aadhaar-based eKYC for payment banks. "We are grappling with that problem right now and we are talking to different people. We are hoping that there will be some understanding. Anyway our accounts are capped at Rs 1,00,000. There should be no reason why eKYC should not be the only way to do KYC. It is also digital and more authentic."

Chiefs of Aditya Birla Idea Payments Bank, Sudhakar Ramasubramanian and Vodafone M-pesa payments bank Suresh Sethi also aired similar concerns to ET. They argue that payment banks do not have the same manpower to collect paper-based KYC like traditional banks and given that they are capped at a balance Rs 1,00,000, they do not share the same amount of risk. While RBI had earlier accepted eKYC as a means for customer authentication at the time of opening accounts, the new norms mandate a common KYC across all financial services entities for which detailed KYC is required to be collected and uploaded as a paper form to a central KYC repository — Central Registry of Securitisation Asset Reconstruction and Security Interest of India, or CERSAI.

The idea is to streamline the KYC process and avoid duplication of KYC for customers at multiple agencies. But, for payment banks to be cast under the same net, it means that instead of just relying on the biometric based eKYC they will have to collect more details of their customers and upload them to the central registry. Sudhakar who is the CEO (designate), of Aditya Birla Idea Payments Bank said that in the case of payment banks a phased approach towards KYC will be better received since the whole idea behind the payment banks is towards financial inclusion.

"If we have too many restrictions for someone who keeps Rs 5,000 in the account, it could prevent many of the unbanked from experiencing the benefits of financial services. KYC norms can be applied in a layered manner as the customer's balance and transactions increase," he said.

Digital KYC will help ease the "entry barrier" for such people along with being a more authentic means of KYC than a physical KYC. "Currently, over 90% of all retail transactions are through cash in the country, if these transactions have to be converted into the electronic format, banking will have to be relived from some of these troubles," he added.

Source : The Economic Times

Definition of Important Postal Terms asked in Department Exam

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Grant of Productivity Linked Bonus (PLB) and non-productivity Linked Bonus (Ad-hoc) in case of Central Government employees for the accounting year 2014-15 - enhancement of the calculation ceiling - Regarding

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Income Tax Slabs & Rates for Financial Year 2016-2017 (Assessment Year 2017-2018)

INCOME TAX SLABS & RATES FOR FINANCIAL YEAR 2016 - 2017 (ASSESSMENT YEAR 2017 - 2018)

Additional tax benefit of Rs.5000/- under Section 87A, if Income is upto Rs.5,00,000/-.

3% Extra Surcharge on total Tax.

Section 80GG: Deduction amount under 80GG increased from Rs 24,000 per annum to Rs 60,000 per annum. Section 80GG is applicable for all the individuals who do not own a residential house & do not get HRA (House Rent Allowance). 

Section 87A Rebate : Benefit of Rs 5,000 upto the income of Rs 5,00,000. If you are earning below Rs 5 lakh, you can save an additional Rs 3,000 in taxes. Tax rebate under Section 87A has been raised from Rs 2,000 to Rs 5,000. Effectively, this means now the basic exemption is of Rs 3 lakh. 

Surcharge : 15 % Surcharge on income of more than 1 crore rupees yearly has been proposed, earlier it was 10 %. 

National Pension System : 40% of corpus withdrawal at the time of retirement will be tax exempted. 

Section 80EE – First time Home Buyers can claim an additional Tax deduction of up to Rs 50,000 on home loan interest payments u/s 80EE. 

The home loan should have been sanctioned in FY 2016-17 

Loan amount should be less than Rs 35 Lakh 

The value of house should not be more than Rs 50 Lakh 

INCOME TAX RATES FOR GENERAL CATEGORY (NON SENIOR CITIZENS):

INCOME TAX RATES FOR SENIOR CITIZENS (60 YEARS & ABOVE, BUT BELOW 80 YEARS):

INCOME TAX RATES FOR VERY SENIOR CITIZENS (80 YEARS & ABOVE):

    source: CHQ

DETAILS OF MEETING HELD ON 27.08.2016

Our Association meeting was held on 27.08.2016 at Hyderabad Sri. B. Suresh Kumar, Vice President, Sri. Y. Venkateswarlu, Secretary, Sri. H. Sharath Kumar, Treasurer, Sri. P.B. Srinivas, Sri. P. Varaprasad Asst. Circle Secretaries and Sri. B. Srinivasu, Asst. General Secretary(CHQ) attended and Sri. S. Prasada Rao our Ex-Circle Secretary also participated in the meeting  and disused on the issues of  Implementation of Upgrade of pay of Rs. 4600/-  w.e.f 01.01.2006 and cadre restructure  and other issues.

I           Up gradation of Grade Pay of Rs.4600/- with effect from 01.01.2006.

1.      It is decided to extend full support to CHQ team to go for a contempt on implementation of GP or otherwise in all respects.  It is opined by all the members to donate Rs.1000/- to circle body in the first week of Septemeber,2016.  All the RRs and ASP(HQ)/CWC members  are requested to take initiative and collect/credit the amount to Treasurer  POSB account . Account number will be intimated in the blog/WhatsApp within two days. On basis of further discussions amount will be remitted to CHQ on behalf of our circle

II.Cadre Restructure:

1.      As the GP of IP upgraded  from Rs.4200/- to Rs.4600/- all the opined to continue the ASP cadre.

2.      It is opined by members that there is no scope for increase of no of ASP/SP cadre , there should be  Financial  up gradation  for every five years.

3.      Revision/revamping  of Establishment norms for sub divisional IP/ASP posts – BD and all such new activities may taken into account.

4.      Bifurcation of larger Sub divisions depending upon the no. of BOs/SOs in to by increasing no of Sub divisions.

5.      Setting up of   teams for inspection/investigation and BD separately at divisional level.

The fowling some Other issues to take up with circle/Directorate level.

1.      Victimized the IP/ASPs by issuing charge sheets on the day of retirement and other higher cadres are spared  on similar such lapses.  Lapses of all other cadres may also be inquired impartially.

2.      Timely conducting of DPCs for ASP Cadre and SP cadre without postponing with petty reasons.  Otherwise action may be called for on officers/erring officers. 

3.      Restoration/Filling up  of IP(PG) posts in the divisional offices

4.      Revamping of inspection questionnaire by deleting un-wanting /unnecessary questions and increase of inspection days because of additional  questionnaire   on FInacle/McCamish /RMFS/AML/CFT norms/MMTs etc.,

5.       Provision of separate  inspection tool for IP/ASPs in all software like Finacle, McCamish, Meghdoot  etc.,

6.      Constitution of a committee by the directorate to define the role of IP/ASP/SPs in the context of  introduction of Finacale/McCamish and further incorporating  all the duties of IP/ASP by amending volume -VIII as discussed for norms in  para no 3 under the head Cadre Restructure

As the carom was not available in the meeting  it was decided to request all the members to offer their important suggestions/views about cadre restructuring by 04.09.2016 through e-mail to our association mail ID “IPASPAP@GMAIL.COM” or through WhatsApp  Especially all senior members are  further requested to give their valuable suggestions to protect the interest of cadre.  Final opinion of the our circle will be submitted to CHQ before CWC.

Extension of benefits of (Retirement Gratuity and Death Gratuity) to the Central Government employees covered by new Defined Contribution Pension System (National Pension System)- regarding.

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Promotion and Postings of Senior Administrative Grade (SAG) officers of Indian Postal Service, Group 'A' to Higher Administrative Grade (HAG) of the Service and transfers / postings of regular HAG officers of Indian Postal Service, Group 'A' - order dated 26th August 2016

ON BEHALF OF THE IP/ASP ASSOCIATION WE CONGRATULATE ALL THE OFFICERS ON THEIR PROMOTION/POSTINGS

Promotion and Posting of Junior Administrative Grade (JAG) officers of Indian Postal Service, Group 'A' to the Senior Administrative Grade (SAG) of the service - order dated 26th August 2016

ON BEHALF OF THE IP/ASP ASSOCIATION WE CONGRATULATE ALL THE OFFICERS ON THEIR PROMOTION

Transfer / Postings in the Junior Administrative Grade (JAG) of Indian Postal Service, Group 'A' - order dated 26.08.2016

OUR GS AND TEAM VISIT TO DIRECTORATE DATED 22.08.2016

L to R : Shri Yadagiri G. Nyalapelli CHQ Treasurers, Shri  Vilas Ingale General Secretary, Shri P. Ajit Kumar AGS-I and Shri Ashutosh Tripati Director General, 

L to R : Shri Roop Chand President Delhi Circle, Shri Vilas Ingale General Secretary and Shri A. K. Dash Member (P)

Vilas Ingale, General Secretary visited Postal Directorate on 22/8/2016. He was accompanied by Shri Yadagiri G. Nyalapelli CHQ Treasurer, Shri Roop Chand President Delhi Circle Branch, Shri P. Ajit Kumar AGS-I and Shri Permanand ASP (PG) Postal Directorate. Team met with Director General, Member (P) and other senior officers in the Postal Directorate and discussed the following issues. It was assured and told by all officers that Directorate is looking into these issues and few of them are at final stage of settlement. Letters on pending issues handed over personally to DG and Member (P).

1.	Issue of combined seniority list of Inspector Posts cadre since 2003 onwards.
2.	Holding of DPC for promotion to the cadre of PS Gr. B for the year 2016-17.
3.	Issue of revised Recruitment Rules for the post of Assistant Manager in MMS.
4.	Holding of PS Gr. B Examination for the year 2013, 2014, 2015 and 2016.
5.	Inter Circle Rule 38 transfer cases of Inspector Posts cadre.
6.	Holding of periodical meeting with Hon’ble Secretary (Posts).
7.	Completion of appointment formalities of candidates nominated by Staff Selection Commission for appointment as Inspector Posts 2014.
8.	Vigilance enquiry in the death case of Ms Mohini Gupta Ex-ASP Ajmer (Rajasthan).

 
BRIEF ON IMPORTANT ISSUES :
                                                     

A)   PS Gr. B examination will be held before 31^st December 2016. Directorate is yet not finalised vendor to conduct examination ‘ON LINE’. So examination is expected like previous one only and our circle / regional departmental officers will conduct. There will be (expected) only one examination for the entire vacancies of 2013 to 2016. Eligibility criteria for appearing in each year’s examination will be different and result will be declared year wise vacancies. Inspector Post Examination will there and that will be before PS Gr. B examination. Notification is expected soon.

B)   Revised recruitment rules of Assistant Manager MMS is said to be sent to Nodal Ministry for approval.

C)  For holding of DPC for promotion to the cadre of PS Gr. B for the year 2016-17, Directorate has already directed all Circles to keep the information ready. Only Tamil Nadu and Chhattisgarh circle has reported that their information is ready and waiting for the allotment of slot for submission of information by hand.As there was no response from remaining circles to Directorates letter dated 5/7/2016,reminder was issued on 22/8/2016 with a request to send required information by return of email. The information of 5 officers (who selected in regular DPC for the year 2015-16 vide memo No. 9-02/2015-SPG dated 10/11/2015) about their date of joining B cadre  is not reported by concerned circle to Postal Directorate despite series of reminders through email. Similarly, date of joining of 4 officers selected in supplementary DPC under Memo No. 9-02/2015(I)-SPG dated 9-6-2016 is also required at Directorate for updation of record and calculation of vacancies for ensuring DPC. GS has posted the details of these officers posted on this blog on 23/8/2016 with a request to ensure submission of information at once.

D)  Cadre restructuring issue also discussed and some inputs gathered which will help the Association at the time of finalisation of proposal at ensuing CWC.

E)   Directorate is working on representations received from IPs in connection with objection on gradation list of Inspector Posts 2001 and 2002. After finalization of these two years gradation list, remaining years gradation lists will be circulated.

F) JTS DPC file for the year 2016-17 is still at Directorate. After implementation of revised RRs of IPoS Gr.A cadre (which was circulated under memo No.4-10/2013-SPG dated 11^th December 2014), some technical problems arised in calculation of correct vacancies. As on date 156 JTS Gr. A offices are available (working) against the sanction strength 151. To resolve this issue, the result of DPC of STS Gr. A cadre is expected by the end of this week. Nearly 20 to 22 officers are likely to be promoted to STS and technical resignation of 3 STS Officers is under process of acceptance and thereafter JTS DPC file with correct vacancy position is said to be submitted to UPSC.

   Full support and co-operation was found extended by the officers  of Directorate to CHQ team. CHQ thanks to all.

Second meeting of the committee constituted to examine the recommendations of 7th pay commission regarding allowances.

Gazette notification for Simple Reversionary Bonus on Rural Postal Life Insurance for the year 2014-15

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CS Karnataka and his team met with Secretary (Posts)

CS Karnataka and his team met with Secretary (Posts)

Shri Vasudeo Chatra President,  Manjunatha Hubballi Circle Secretary and IP/ASPs working in Bangaluru city of All India Association of Inspectors and Assistant Superintendent Posts, Karnataka Circle Branch met with Secretary (Posts) at Bangaluru on 22/8/2016 and handed over memorandum with a request to take up the issue to grant GP of Rs. 4600/- to Inspector Posts w. e. f. 1/1/2006 with Nodal Ministry/MoF. They also discussed other pending issues and Hon'ble Secretary (Posts) assured to look into it favorably. 

source: Chq

Clarification on admissibility of Transport Allowance in the cases where the officers are drawing Grade Pay of Rs. 10,000/- in PB-4

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50 companies including World Bank, Deutsche Bank and Barclays keen on associating with postal bank initiative: Ravi Shankar Prasad

Around 50 companies including global banking institutions, like the World Bank, Deutsche Bank and Barclays, have expressed eagerness to be associated with the Centre's postal payments bank initiative, Union Minister Ravi Shankar Prasad said today 

"We will begin postal payments banking service from September 16, wherein 1.3 lakh postmen will be given hand-held devices, a moving ATM to provide banking services, insurance, money-order, as well as third-party service," Information Technology Minister said after inaugurating an incubation centre at the Software Technology Parks of India (STPI) here. 

"Some 50 companies, including World Bank, Deutsche Bank, Swiss Bank, Barclays, want to be associated with us," said the senior BJP leader. 

The Union Cabinet in June had cleared the proposal for postal payments banks with a corpus of Rs 800 crore. The proposal is to set up 650 branches of postal payments banks. 

Prasad said his ministry is taking up several initiatives to use IT and related services to improve the services, and asked IT experts to use government services through the STPI to innovate in this direction. 

"We will also begin virtual classroom facility so that we can use technology to offer better education through virtual classrooms. As a pilot project, 3,500 government schools will be given the facility, of which 770 schools are from Gujarat," Prasad added. 

Source:-The Economic Times

Children Education Allowance (CEA) - Clarification

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GENERAL BODY MEETING ON 27.08.2016

General Body meeting of our Association will be held on 27.08.2016  at 1000 hours to discuss  about Cadre Restructure, implementation  of Up gradation of Grade Pay w.e.f 01.01.2006  to submit a proposal/opinion to CHQ on behalf of our circle  during the CWC (CHQ) meeting on 10.09.2016/11.09.2016. Therefore all the members are requested to attend the meeting and make it grand success

VENUE : O/O SSPOS, HYDERABAD CITY DIVISION, HYDERABAD 

CWC Meeting (CHQ) at Ujjain on 10-9-2016 and 11-9-2016

In the above  Meeting proposal for the Cadre Restructure  will be Finalized. In this connection it is decided to conduct General Body Meeting of our Association  at Hyderabad on 27-08-2016 @ 10:00 hrs in the premises of SSPOs Hyderabad City Division, Hyderabad to discuss the following issues and submit proposal/opinion of our circle to CHQ.

1) Cadre Restructure.

2)  Implementation Up gradation of GP Rs.4600 w.e.f. 01-01-2006

Any other issue with the permission of the chair. Therefore all the members are requested to attend the meeting and share the opinion and enable to submit proposal/opinion on behalf of our Circle to CHQ

Technical Resignation & Lien- Consolidated guidelines.

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India Post Payments Bank Incorporated

The India Post Payments Bank Limited has received the Certificate of Incorporation from the Registrar of Companies, Ministry of Corporate Affairs yesterday under the Companies Act 2013. This would be the first PSU under the Department of Posts. This has happened in the wake of Prime Minister Shri Narendra Modi’s Independence Day address, raising the expectations of the people from the soon to be set up India Post Payments Bank. With this move the Department of Posts has cleared an important milestone on this journey.

With the incorporation, the Board of the India Post Payments Bank Limited is likely to be constituted soon. The incorporation of the IPPB Ltd is a significant step forward as this also paves the way for the bank to begin hiring of banking professionals to set up the bank and begin its operations in 2017. The Department of Posts is expected to complete the roll out of its branches all over the country by September 2017. This could be the fastest roll out for a bank anywhere in the world.

The aspiration for the India Post Payments Bank is to become the most accessible bank in the world riding on state of the art banking and payments technology. Coupled with the physical presence across 1.55 lakh post offices and the reach of “The Dakiya”, the India Post Payments Bank aims to become a powerful and effective vehicle of real financial inclusion in the country. It is poised to create a national payments architecture riding on a modern payments platform and ubiquitous information and communication technologies that can be accessed by all users and service providers like never before. The stakeholders of the India Post Payments Bank within the Government and outside are looking at this new entity as a catalyst to social and financial inclusion. 

source:PIB

PV Sindhu India Badminton, Rio Olympics 2016: PV Sindhu makes it to Olympic badminton finals

Indian female shuttler PV Sindhu took on Japan’s Nozomi Okuhara in the semifinal match of Women’s Single Badminton at Rio Olympics 2016. Both Sindhu and Okumura gave a tough fight to each other. However, Sindhu emerged victorious in the highly competitive match. The victory has ensured silver for the Indian athlete. Meanwhile, Okuhara would compete for the bronze medal. PV Sindhu defeated Nozomi Okuhara in a two-straight victory. The final scores are : 21-19, 21-10. This is by far, the most dominating victory of any Indian athlete at Rio Olympics 2016. If she continues with this form, Sindhu could bag the gold medal on Friday. PV Sindhu has remained the most impressive performer of the Indian contingent so far. Sindhu successfully won the Round of 16, and subsequently defeated China’s Wang Yihan in the quarterfinal. However, she had a cumbersome task in the semifinal match, taking on Japan’s Nozomi Okuhara. Earlier, Spain’s Carolina Marin defeated Chinese shuttler Li Xuerui in the semi-finals event. The finals would be played on Friday at 7:30 PM as per Indian Standard Time (IST). Sindhu would take on Caroline Marin, who has defeated her earlier at the Shanghai Grand Prix. The match is expected to be highly competitive. 

source :India.com 

Supplementary Inspection Questionnaire of HO, SO and BO relating to Mobile Money Transfer Service (MMTS)

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Seventh Central Pay Commission's recommendations — revision of pay scales- amendment of Service Rules/Recruitment Rules

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Assignment of Current Charge of Vacant posts of CPMG.

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Minister of State for Finance and Corporate Affairs office acknowledged our letter given by our GS.

Donation to CHQ .......

All are aware that GS has made an appeal on 2/8/2016 to all members to donate some  amount to CHQ to make fund position healthy. As you know that CHQ and his team is continuously taking hard efforts to get the problems of our members resolved. Therefore it is requested all the members to donate amount to CHQ voluntarily to strengthen the financial position of CHQ to resolve the our issues. Donation amount may be credited to the  following account.

Name of the account holder : Vilas S. Ingale and Yadagiri G. Nyalapelli

SB Account No.                  : 3049419758 

Name of PO                      : Dadar HO, Mumbai 400014

SOL No.                           : 40001400

29th All India Postal Tournament (2015-2016) Circulation of Final results.

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circular on National pension scheme

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HAPPY INDEPENDENCE DAY

Change of Role of SBCO in the backdrop of implementation of CBS ( SB order No. 14/2015) & Annexure to SB order 14/2015 Addendum-II

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Outsourced Postal Agents (OPA) and their Duties

1. Introduction:

a. Outsourced Postal Agents (OPAs) scheme will be applicable for Registered Post (including  Parcels),  Business  and Express Parcel and  Speed Post (domestic) articles  and will  replace  the  existing  scheme of  Outsourced  Agents  present applicable for Speed Post.

b. OPAs should be engaged where there is perceived gap in our services.  Circles may undertake this exercise before engaging OPAs.

c.  Such agents will be authorized  to undertake pickup, booking or delivery or all or combination of any of the activities.

d.  Instructions  regarding   modalities  of  the  engagement  of  such  agents  have already  been issued  by  Planning  Division  vide  No.  40-4/2016 - Pig dated 1 1.07.2016.In order to prevent fraudulent practices by the OPAs, it will be the responsibility   of   the   Circles/Regions/Divisions/Appointing   authorities   to assess credit worthiness of the OPAs.

2.  Role and Responsibilities of the Outsourced Postal Agent s (OPAs):

a.  Pick up:

i.  OPAs will collect  the articles from both retail and identified bulk customers from   their  respective  premises   and  provide   a  preliminary  receipt   with barcode   provided   by  the  Department.  They  will collect  correct  value  of postage (in  cash) from  the  cus tomers  and deposit  the  same with  the link post office/processing office (BNPL Offices, BPCs, NSH, Parcel Hubs) on the same day.   As far as possible  articles  picked  up  I booked  up  by    OPAs

should  be inducted  in  to  the  stream in identified  processing  offices/Post Offices   having   direct  begging   facilities   so   that   articles   get   delivery advantage and can be accepted even after normal working hours.

ii.  After handing over the consignments to the booking office, agent will collect receipt from  the Booking Office  in lieu  of  the consignments  and  amount given by him.

iii.  Barcodes will be  supplied to  the OPAs in duplicate. One barcode will be affixed  on the  copy of Preliminary Receipt  given to  sender at the  time of collecting the article and other will be affixed  on the article. OPA shall note the article number  on the other copy of the PR book to track the articles at a later stage.

iv.  At  the  time  of  booking of  the article,  two  copies  of  the  receipt  will  be generated, one will be pasted on the article and other will be given back to the sender through OPA.

v.  OPA  shall be  responsible for  safety and security of  the articles and its contents during his custody.

vi.   Postage pre-paid (partial or full) articles and franked articles will not be accepted by the OPAs.

vii. OPAs will be supplied with numbered preliminary receipt books (PR books) and Bar codes for proper control and monitoring by the concerned controlling officer.

viii. Account office, office where OPA will hand over the collected articles, will check the articles and PR book for correct realization of postage.

ix. OPA will ensure that articles collected before cut off time are handed over to the account office along  with postage realized  on  the same day, falling which penal action may be taken against the OPA for  misappropriation of the Government money.

x.  Account office while receiving the articles and postage from the OPA should sign and stamp on the last used preliminary receipt In the PR book.Further, the officer accepting the postage should also write the amount realized from OPA on the last used receipt.

b. Booking:

i.  OPAs  authorized for booking  shall provide a booking  facility  at the pre-approved location.

li. In case booking agent is also authorized to  provide pickup, all the consignments collected by him along with other consignments which are directly handed over by the customer at his premises will be booked by him In the module provided by the Department.

iii.  Correct realization of the postage as per service tariff and other parameters will be the responsibility of the OPAs.

iv.  OPA will  ensure that all the consignments booked by him  is affixed with proper barcode number and MPCM receipt generated. Account Office, the office to which OPA Is attached, before accepting the consignments will ensure the same.

v. Account office will also randomly check the consignments for proper realisation of the postage.

vi. Department will provide a booking module to the OPAs to book the articles In the system and make the data transmission of the booked articles. Once the system is provided and implemented, no article shall be accepted by the booking office for further transmission if booking data for same has not been uploaded.  Till the time, the system Is not made available, no agent will be authorized to book the articles.

vii.  Supervisor  of  the  Account  Office  will  be  responsible   for  verification  of Postage realized on each article and affixed  viz-a-viz cross check it with  the information available in the system.

viii.   OPAs shall not avail any credit  facility  and the  requisite  postage  shall  be credited by the OPAs while handing over the consignment before the cut-off time.

ix.  Postage  pre-paid (partial or  full) and franked  articles will not  be accepted/booked by the OPAs.

x.  Further. OPAs would not be eligible for franking license.

xi.  OPAs shall be responsible  for  safety and  security  of  the  articles  and  its contents during  the period of custody.

xii.  OPAs will be  supplied with numbered  Bar codes  for  proper  control  and monitoring by the concerned controlling officer.

xlll. While booking the articles, collected by OPAs, booking OPAs should  ensure that articles  are booked  with  the  barcode  number  provided  by collection OPA.MPCM receipts  generated on booking  of articles should be disposed of in following manner:

•       One copy should be pas ted on article

•       Other copy should be given to the collection OPA for handing over same to the sender

xiv.   In case, article belongs to a customer who has visited the counter in person, MPCM receipts generated should be disposed of in following manner:

•       One copy should be pasted on article

•       Other copy should be given to the sender

xv.  OPA will ensure that articles collected before cut off time are handed over to the  account  office  along  with  postage  realized on  the  same day,  failing which penal action may be taken against  the OPA for  misappropriation  of the Government money.

c.  Delivery:

i.  OPAs shall collect  the articles  for  delivery  from  the identified office/ link Post Office  before  the cut off time  for  delivery in Identified  area I delivery jurisdiction.

ii.  Supervisor of the office will ensure that only permitted class of the articles are handed over to the OPA. While handing over the article of the delivery to the OPA, concerned office should  ensure  transmission  of  the  data  to the OPAs. CEPT Mysore will make necessary software provisions.   It should be further   ensured that all the articles  of  eligible  category,  considering  the workload of the delivery office, is given to OPA to deliver judiciously with a view to have higher delivery percentage and ensuring door delivery of all the articles.

iii.   OPA  shall make calls  to the customers before attempting  for the delivery and will arrange delivery of the articles as per customer convenience.

iv.  OPA shall deliver all the articles on same day of collection of the articles from Identified office/ Link Post Office. Any consignment which could not be delivered for any reason will be delivered by OPA next day. However,  OPA is required to give the returns to the linked post office before the cut off time. However, OPA will provide the detailed remarks with respect to the articles which he would be keeping In custody to effect delivery after cut off time or on next day.

v. Supervisor of the delivery branch will verify the genuineness of the remarks before taking any further action.

vi.  OPA will upload the delivery data either through the mobile app or through other means on web as the case may be.

vii.  OPA will remit the CoD amount or any other fee to be collected from the addressee for the delivered articles while submitting the returns.

viii.  OPA shall be paid only for those articles  which have been delivered by him or returned after proper attempt & with valid remarks  and data Is uploaded in the system. Till the time system for data exchange Is not provided, later part will not be applicable.

ix.  OPA shall  be  responsible  for  safety and  security of  the  article and its contents during his custody.

x.  Quality of service offered by the OPAs shall be reviewed every fortnight and action to be taken accordingly to maintain the high quality of service. Further, delivery arrangements should be made in a manner so as to cope up with any exigencies or sudden flow of the articles.

d. OPAs shall also accept the complaints from customers served by them. In case it is found that there has been service level failure on the part of the OPA for which complaint has been made and in such a case compensation payable by the Department shall be recovered from the OPA.

3. Commission: Commission payable to OPAs will be as under:

PICK UP COMMISSIONS
Upto 500 gm	Rs.3 /·
500 gm to 5 kg	Rs. 14/·
More than 5 kg	Rs. 35/·
Booking Commission (In Rs.) (Per Article)
Upto 500 gm	Rs.3 /-
500 gm to 5 kg	Rs. 5/·
More than 5 kg	Rs. 7/-
Delivery Commission (in Rs.) (Per Article)
Upto 500 gm	Rs.5/-
500 gm to 5 kg	Rs. 14/-
More than  5 kg	Rs. 35/-
In case of Delivery of COD Articles, commission for collection of cash at a flat  rate of0.25% of cash collected

4. Accounting Procedures  and Payment  to OPAs: The payment to Agents will be made  by  debiting   directly  from  revenue  receipt  Head  of  account  for which detailed Account Head and SOP will be provided by DDG (PAF).

5.  Local Policy Decisions and Monitoring:

a.  The Circle/Regional  Heads are authorized  under  the  scheme to make  finer details to operationalise the scheme as per localconditions and requirements.

b. The  monitoring   of  activities   of  the  OPAs will   be  through  the  Business Development Vertical/structure working  in the Circles, Regions and Postal/RM5 Divisions  which  includes  interalia   reporting/monitoring  of  the OPAs to/by   the  ASPs/IPs/HSG-I/HSG-11  /LSG in  the  Divisional  Office. Every Division will identify one such supervising staff for the purpose of monitoring and guiding the OPAs. The Divisional Heads will report to APMG/AD (BD) in the Regional/ Circle Office. Similarly, every Region will identify one APMG/AD along with 11'/0A to monitor/ liaison with Circle Office and Divisional Office. The  officer   so  identified in  Region  will  report  to  Circle  Office  vertical  in addition  to Regional PMG/DPS. The officer so identified in regional office  in turn will report to CPMGs through PMG (Mails&BD)/DPS(Malls/BD)/DPS(HQ).The  monitoring will be done  as per the vertical structure  as  follows:

Divisional Head (Postal)

6. Numbered Preliminary receipt Book & Pre-printed Barcode Stickers: Numbered Preliminary receipt Book & Pre-printed Barcode Stickers shall be provided by the concerned Link Post Office to OPAs  using Point of Sale Software/ latest software approved for OPA by the Department of Posts.

7. Divisional Heads will make surprise visit to the OPAs and will check relevant records to ensure that all the activities are being carried out in a proper manner and no Irregularity Is involved.  Further Divisional Head will make quarterly inspection of such OPAs and account offices.  Relevant records relating to all the transactions done through OPAs shall be preserved for a period of I8 months.  In case of any pending complaints, vigilance case etc. record should be preserved for a period or 6 months after settlement of the case.