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================ Blog maintained by : P. Radhamohan Nair, Private Secretary to Post Master General, (Retired) Northern Region, Calicut, Kerala Circle=================

Friday, April 15, 2016

Incorporation of Aadhaar number in fresh Pension Payment Orders [PPOs]

NEW DELHI - 110066

CPAO/Tech/Jeevan Pramaan/2016/07
Office Memorandum

Subject:- Incorporation of Aadhaar number in fresh Pension Payment Orders [PPOs].

Attention is invited to CPAO OM No. CPAO/Tech/leevan Pramaan/ 2015-16/ 1770 dated 07.03.2016 (Annex-l) and DO letter dated 30.07.2015 from CGA to all Secretaries (Civil Ministries) regarding incorporation of Aadhaar number in the fresh PPOs (Annex-II). In this context, it is observed that progress in incorporation of Aadhaar numbers in the fresh PPOs has been very low. For the period July, 2015 to March, 2016 out of 25608 total fresh PPOs received in CPAO, only in 1907 (7.45%) cases Aadhaar number was mentioned.
2. In view of Aadhaar Cards numbers crossing 100 crores marks and implementation of Aadhaar linked Biometric Attendance System in most of the central government offices, it is very unlikely that a retiring government servant will not have Aadhaar number. Further, DOPT vide its OM No. Z-20025/9/2014-Estt (AL) dated-03.11.2014 (Annex-III) had requested all Ministries/ Departments to ensure that the Service Books of all employees have an entry of Aadhaar number.
3. In view of above, all Pr. CCAs/CCAs/CAS are once again requested to take up the matter with IS (Admn) and Heads of Offices of respective Ministries / Departments to arrange for providing Aadhaar number in all pension papers to be submitted to concerned PAOs to enable them to incorporate the same in PPO booklets.

Encl:- As above

(Sanjai Singh)
Chief Controller (Pension

ATM Inauguration at Aluva HO - 683101 in Kerala Circle

FAQ on Postal Life Insurance

What is PLI?

A contract entered into by the Government to pay a given sum of money on the death of an individual to his nominee or himself, if he survives that period.

When did PLI start?

PLI as a scheme is available since 01.02.1884.

What is the difference between PLI and other Insurance?

PLI is only for Government and Semi-Government employees. Moreover PLI is the only Insurer that offers low premium and high bonus.

Is PLI guaranteed? If so, by whom?

PLI is guaranteed by Government of India.

Is there any limit to the number of policies one can take for children?

One can take policies for two children.

When did PLI start?

PLI as a scheme is available since 01.02.1884.

What is the necessity of sending the PLI Policy Bond to office address of the Insurant? Why can this not be sent to the residence of Policy holder?

PLI policy is issued to people who are employed under Government/Semi-Government sector etc. That is why the policy bond is sent to the Office address of the Insurant.

How can a policy be transferred from one PO to other?

The system of transfer of PLI policy is very simple. The policy holder can apply to the Chief Post Master General through the Post Office where the policy stands or the PO in which he desires to pay the premium. The PO will accept the application and send to the CPMG (PLI).

Which type of PLI policy among your scheme is more beneficial to opt for without hesitation?

All policies in PLI are beneficial. Every scheme has some unique features. In EA policy, you will get your savings along with bonus after the prescribed number of years.


Who are eligible for obtaining a PLI Policy?

The employees of following are eligible for PLI policy:
Central Government
Defense Services
Para Military Forces
State Government
Local Bodies
Educational Institutions/ Government-aided
Reserve Bank of India
Public Sector Undertakings
Financial Institutions
Nationalized Banks
Autonomous Bodies
Extra Departmental Agents in Department of Posts

Whether salaried professionals in Private Sector can join PLI?

Such categories are not eligible but they can have RPLI policies subject to fulfilling other conditions.
If one spouse is working in a Government Organization but the other is not, is there any scheme in PLI for both?
We have 'Yugal Suraksha' scheme under which both can jointly get a policy. After paying a little more premium, both can be covered under this assurance scheme.

Can one continue the policy if one quits the Government service?

One can continue by making payment at any one of the 1, 55,000 post offices throughout the country, even after quitting service.

Premia Payment

What is the mode of premium deposit?

The Premium Receipt Book is issued to the Insurants for the deposit of Premium in any departmental PO, and there is a facility of recovery from pay for all employees belonging to the Central Government.

Is there any other mode of payment?

The premium can be paid through Cheque.

Is premium recovered through salary?

Yes, recovery of the premia through salary is possible, in offices where it is remitted directly to PLI. In case where it is not, it is possible by appointing a Group Leader, who collects the premia from the insurants and deposits in a post office along with PR book. However, premia are to be deposited in any post office as per convenience i.e. monthly/half yearly/ yearly where there is no recovery through salary.

Why is the premia for children's policy higher?

As both children's and parent's risk is covered.

Can one revive a lapsed policy?

If the premia are not paid for 6 months in case policy is in currency for 3 years (or) 12 months in case policy is more than 3 years old, then the policy becomes void. This needs revival to make it active. Revival shall not be allowed on more than two occasions during the entire term of the policy. Policy can be revived any time one year before maturity.

What happens if one forgets to pay one's premium in a month?

One can pay the premium in the subsequent month, by paying a minimum fine of Re. 1/- per hundred of sum assured.


Is loan facility available in PLI?

Loan can be taken from EA policy after completion of 3 years and in respect of Whole Life after completion of 4 years. Loan facility is available in AEA policies.

Is Home loan available?


What are the terms on which loan can be availed? 

  1. EA policies after 3 years from date of issue of policy
  2. WLA policies after 4 years.
  3. Interest 10% p.a. Calculated on six monthly basis
  4. Loan entitlement is calculated on a prefixed proportion of these surrender value
  5. Interest should be paid on(or) before 21st of due month (i.e. 6 monthly once)
  6. Surrender

What is surrender value of a policy?

"Surrender value" of a policy, means the amount that is payable to an assured, when he foregoes the contingent benefit of his policy and surrenders it for an immediate cash payment.

What will be the surrender value of the policy?

Surrender value depends on the surrender factor and type and term of policy.

Can one get the full amount paid with accrued bonus, if policy is surrendered prematurely?

  • Endowment Assurance policy can be surrendered after 36 months
  • WWLA policy can be surrendered after 48 months
  • Children policy can be surrendered after 60 months.
  • No surrender for AEA policy
Bonus will be taken into account after 5 years for surrender value calculation on the paid up value. But surrendering any policy prematurely is always a loss to the insurant. Hence, it is suggested not to go for surrender.
It is not a simple saving scheme but it aims to give risk coverage also. It provides immediate Insurance coverage from the date of acceptance. Full policy amount with accrued bonus will be given even if death occurs on the very next day of acceptance of the proposals for all bonafide cases.

Payment of Dearness Allowance to Railway employees Revised rates effective from 01.01.2016: Railway Board Order

Payment of Dearness Allowance to Railway employees Revised rates effective from 01.01.2016: Railway Board Order RBE No. 32/2016
Government of India 
Ministry of Railways 
(Railway Board)S.No.PC-VI/364
RBE No.32/2016No.PC-VI/2008/1/7/2/1
New Delhi, dated 08.04.2016The GMs/CAO(R).
All Zonal Railways & Production Units,
(as per mailing list)

Sub: Payment of Dearness Allowance to Railway employees Revised rates effective from 01.01.2016.
Please refer to this Ministry’s letter of even number dated 24.09.2015 PC-VI/356 RBE No.115/2015) on the subject mentioned above. The President is pleased to decide that the Dearness Allowance payable to Railway employees shall be enhanced from the existing rate of 119% to 125 % with effect from January, 2016. 

2. The provisions contained in Paras 3, 4 & 5 of this Ministry’s letter of even number dated 09.09.2008 (S.No. PC-V1/3, RBE No 106/2008) shall continue to be applicable while regulating Dearness Allowance under these orders. 

3. The additional installment of Dearness Allowance payable under these orders shall be paid in cash to all railway employees. The arrears may be charged to the salary bill and no honorarium is payable for preparing separate bill for this purpose. 

4. This issues with the concurrence of the Finance Directorate of the Ministry of Railways.

Jt.Director, Pay Commission 
Railway Board 

Employment News : 16 April To 22 April 2016

Name Of Post : Jr. Executive (Engineering electrician, Information Technology) etc
No.of Vacancies : 220
Last Date :24 .05.2016
Name Of Post : Junior associates (customer support and sales) and junior agricultural associates in Clerical Cadre
No.of Vacancies : 17000
Last Date :25.04.2016
Name Of Post : LDC, Examiner-Electrician, Store keeper, etc
No.of Vacancies : 661
Last Date :21 days after publication
Name Of Post : ASI (RM), HC (RO)
No.of Vacancies : 470
Last Date :15.07.2016
Name Of Post : Havildar
No.of Vacancies : 635
Last Date :15.05.2016
Source : http://employmentnews.gov.in/