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    Post Office Ready Reckoner | 12th edition of Postal Ready Reckoner | By PTC Mysore | Dated 01.03.2022

    Download Post Office Ready Reckoner in PDF

    Table of Contents 

    CHAPTER I - POSTAL NETWORK AT A GLANCE IN INDIA AS ON 31.03.2020 - 1

    CHAPTER – II - 2

    POSTAL COMMUNICATION – TRADITIONAL PRODUCTS - 2

    1. Letter - 2

    2. Inland Letter Card - 3

    3. Post Card - 4

    4. Book Packet - 4

    5. Book Packet containing printed books - 5

    6. Book Packet containing periodicals - 5

    7. Registered Newspaper - 6

    8. Blind Literature Packet - 6

    9. Pattern and Sample Packet - 7

    10. Parcel - 7

    Franking System  8

    Procedure for issue and renewal of license .. 9

    CHAPTER III ....... 10

    SERVICES ASSOCIATED WITH TRADITIONAL POSTAL COMMUNICATION .... 10

    Value additions for traditional products ......................... 10

    1. Registration: ............................................... 10

    2. Value Payable Service: ............................... 10

    3. Insurance ...................... 11

    4. Recall of Articles ........................... 11

    5. Poste Restante ......................................... 12

    6. Post Box ................................................ 12

    7. Identification cards ........................... 13

    8. Business Reply Service .................................. 13

    9. Violations of condition of Posting and action to be taken: ........................ 13

    10. Articles Prohibited from Transmission by Post ................................................... 15

    11. Traditional Post Matrix ...........................15

    CHAPTER IV ................................................ 16

    INTERNATIONAL MAILS .......................... 16

    International Mail: ..................................... 16

    1. International Letters ............................... 16

    2. International Speed post (EMS) ................................... 22

    3. International Air Parcel ............. 23

    4. International Tracked Packet ............................... 24

    CHAPTER – IV ......................................... 29

    POSTAL COMMUNICATION – PREMIUM SERVICES................................ 29

    1. Speed Post ................... 29

    2. Bill Mail Service ................... 32

    3. National Bill Mail Service ........ 33

    4. e-Post .............................. 33

    5. Direct Post ..................................................................................................... 34

    6. Business Parcel –Salient features: ............ 34

    7. Logistics Post ............................... 37

    8. Business Post ......................... 37

    9. Retail Post .......................................... 38

    10. e-Payment ............ 38

    11. Media Post ....................................................... 38

    CHAPTER – V .............................................................. 39

    MONEY TRANSFER SERVICES ....................................................... 39

    1. Domestic Money Transfer Services ..................................... 39

    2. International Money Transfer Services ........................... 41

    CHAPTER – VI .................................................................... 43

    FINANCIAL SERVICES ....................................... 43

    1. Know Your Customer ............................................ 43

    2. The Government Savings Promotion General Rules, 2018............... 43

    3. National Savings Scheme Rules ................................... 50

    1. The Post Office Savings Account Scheme, 2019 – Short Note................ 50

    2. The National Savings Recurring Deposit Scheme, 2019 – Short Note ......... 51

    3. The National Savings Time Deposit Scheme, 2019 – Short Note. ............... 55

    4. The National Savings (Monthly Income Account) Scheme, 2019 – Short Note. ..... 57

    5. The Senior Citizens’ Savings Scheme, 2019 – Short Note. ................... 58

    6. The Public Provident Fund Scheme, 2019 - Short Note. ............. 60

    7. The Sukanya Samriddhi Account Scheme, 2019 – Short Note. ................ 63

    8. The National Savings Certificates (VIII Issue) Scheme, 2019 – Short Note. ......... 64

    9. The Kisan Vikas Patra Scheme, 2019 – Short Note. .................... 66

    4. Settlement of Claim ................................ 66

    Payment of the Amount of National Small Savings Schemes Accounts/Certificates in the Name of Deceased Depositor(s) .................................... 66

    (l) Basis of Settlement of claims .................................. 66

    (2) Account/Certificate in respect of which nomination exists......................... 67

    (3). Claims supported by legal evidence .............................. 69

    (4) Claims without Nomination / production of legal evidence................... 70

    (5) Production of death certificate ................................. 73

    (6) Guidelines for sanctioning authorities ........................................ 73

    (7) Payment to minor claimants ........................................................................ 74

    (8) Claims of holders not heard for 7 years ......................................................... 75

    (9) Settlement of claims where the claimants or near relatives are residing abroad .. 75

    (10) Payment of claim ............................................. 76

    (11) Transfer of account to the name of claimant ................................................ 78

    (12) Entry of request for settlement of claim in register and grant of acknowledgement .......................................................... 78

    (13) Maintenance of Register of Deceased claim cases ......................................... 78

    (14) Procedure to be followed by Branch Post Offices ........................................... 79

    (15) Reconciliation certificate ....................................... 79

    (16) Claim arising on depositor become insane or otherwise incapable of managing his own affairs ..................................... 80

    (17) Claims of holders not heard for 7 years ................................ 80

    5. Protected Savings Scheme: - ............................................... 81

    6. INTERNET BANKING ......................................................... 82

    7. Mobile banking ........................................................... 85

    CHAPTER-V................................................................... 87

    Other Financial Services .............................................. 87

    1. Electronic Clearance Service (ECS) ....................................... 87

    2. National Pension System ...................................................... 87

    3. Atal Pension Yojana ......................................................... 89

    4. Pradhan mantri jeevan jyoti bima yojana ................................... 90

    5. Pradhan mantri suraksha bima yojana ........................................ 91

    CHAPTER – VI .................................................................. 93

    Part I - Postal Life Insurance ............................................... 93

    1 Introduction ................................................................. 93

    2. Types of policies .................................... 93

    1. Endowment Assurance (Santhosh) .......................................... 94

    2. Whole Life Assurance (Suraksha) ................................................................... 94

    3. Convertible Whole Life Assurance (Suvidha) .................................................... 94

    4. Anticipated Endowment Assurance (Sumangal) ............................................... 95

    5. Joint Life Insurance (Yugal Suraksha) ............................................................. 95

    6. Children Policy: (Yugal Suraksha) .................................................................. 95

    3. General terms and conditions ............................... 97

    4. SETTLEMENT OF CLAIMS .................................................... 104

    PART II - RURAL POST LIFE INSURANCE SCHEMES AND FEATURES .......................... 108

    1. The Rural Postal Life Insurance ........................ 108

    2. Available Plans ........................................................... 109

    Whole Life Assurance (WLA) ............................................ 109

    Endowment Assurance (EA) ............................................................................. 109

    Convertible whole Life Assurance (CWA) ............................................................ 109

    Anticipated Endowment Assurance (AEA – 20 years/15 years terms) .................... 109

    10 year Rural PLI (Grama Priya) .............................................. 110

    Children’s policy .................................................................. 110

    3. Income Tax benefits.......................................................... 110

    4. Proof of age .......................................... 110

    5. Bonus ............................................................ 112

    Incentive structure of PLI/RPLI .................................. 113

    CHAPTER – VII ....................................................................... 114

    Philately ............................................................. 114

    ANNEXURE – I ................................................ 120

    Postal Rates ..................................... 120

    Annexure II ............................ 123

    Supplementary Charges on Foreign Parcels ......................................... 123

    Annexure III ................................................................................ 124

    Gist on Postal Manuals .......................................... 124

    Guidelines to customers transacting in various Postal products in inland mail and other financial services and details the conditions subject to which posting can be made. 124

    Post office Guide – Part IV ............................................................................. 124

    Annexure IV_List of RMS Divisions/ L-1 RMS/ NSH / NPH in each Circle .................... 126

    Annexure V ....................................................................................................... 129

    List of Postal Account Offices .............................................................................. 129

    Annexure VI ...................................................................................................... 130

    Period of preservation of savings bank acounts/ certificates records in post offices .... 130

    Annexure VII Preservation Period of Records ......................................................... 132

    Annexure VIII SB/SC Interest Table ................................... 135

    Annexure IX ......................................................... 136

    TD Interest Table .................................................... 136

    Annexure X ................................................. 138

    Postal Index Number ...................................... 138

    Annexure XI ................................................................. 148

    Circle Stores Depot and Postal Stores Depot in India............. 148

    Speaking Points on Marketing ............................ 151

    Index of SB Orders issued from 01/01/2019 .................... 162


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