Hand Book 2022 on National (Small) Savings Schemes | Corrected up to 30th June 2022 by Kawal Jit Singh Retired AD (SB) Postal Directorate - Postalstudy | Post Office Blog | Materials for | Exams
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Hand Book 2022 on National (Small) Savings Schemes | Corrected up to 30th June 2022 by Kawal Jit Singh Retired AD (SB) Postal Directorate

SPECIAL EDITION-2022 of “Hand Book-2022 on National (small) Savings Schemes “ corrected  up to  30th June 2022 published by Kawal Jit Singh. It will be useful for Departmental as well as Extra Departmental Post offices (EDBOs) employees in the postal circle.

Download Kawal Jit Singh Small Savings Scheme Hand Book Order form in PDF

The undersigned is a retired  Assistant Director (SB) from Financial  Services Division of Postal Directorate and wish to  submit the  following  few lines on the  subject cited  above for   your kind consideration:-


1.           The undersigned has vast experience in compiling books on Small Savings Schemes for more than 8 years and was part of the journey of implementation of CBS/RICT(DARPAN) while in service. So far following books of the undersigned duly approved by the Department have been published on Small Savings Schemes  :-


(i)          Guide   Book on Small Savings Schemes  for   GDS BPMs (now merged with Hand Book 2022 )

(ii)         Compilation of POSB Manual Vol-I (currently merged in CBS Manual)

(iii)        Compilation of POSB Manual Vol-II (currently merged in CBS Manual)

(iv)        Compilation of POSB Manual Vol-III ( latest edition 2022 now available)

(v)         Hand Book-2022  on National (small)Savings Schemes (corrected till 30.6.22 now available)


2.       The Hand Book was first published in the year 2011 and thereafter in the year 2016. Keeping in view the fact that all Small Savings Schemes are now made available upto Branch Post Offices level in the Department and also integration of some of these schemes with the India Post Payment Bank (IPPB) platform, the undersigned took another initiative to upgrade the last edition and now brough out “Hand Book-2022” on National (small) Savings Schemes with an add on interest tables relating to discontinued schemes, Procedure for operation of POSB Schemes in Bos (taken from POSB(CBS) Manual), Incentive Scheme for BPMs, Integration of POSB Schemes with IPPB, Doorstep Banking of IPPB using MICRO ATMs by Postman/GDS employees, SOP of IPPB MICRO ATMs and information about Social Security Schemes of Prime Minister Jan Dhan Yojana i.e PMJJBY, PMSBY and Atal Pension Yojana.


3.           I hope that this edition will  provide useful Guide not only to Postal Staff but also to GDS BPMs, Postmen/GDS Employees using IPPB Micro ATMs and Small Savings Agents who are interacting with the public as well as rural customers and general public. Material in this book has been so designed that even a semi-literate person can easily understand the main features of National(small) Savings Schemes and the goal of financial inclusion of Government of India can be fulfilled through Post Office Savings Bank. Also this book will generate awareness about various means of savings which are available at the doorsteps of rural people. From this Hand Book, the POSB staff can understand rules in easy and better way which will be helpful in avoiding inadvertent mistakes on their part and will help in improving the image of the Department also.


How to Buy online Hand Book On Small Savings Scheme Book by Kawal Jit Singh?

MRP of this Special Edition-2022 is Rs.450/-+ Rs.25 as Postage/Freight (total Rs.475/-) but for any official order, special discount has been arranged from the publisher as per below criteria:-

up to 5 Books:- Rs.375 (including postage)

For 6 to 15 books:- Rs. 350 (including postage)

For 16-100 books:- Rs. 325 (including postage)

For above 100 books:- Rs.300 (including postage)

5.         It is requested to arrange availability of this SPECIAL EDITION-2022 of HAND BOOK -2022 (corrected till 30.06.2022)  to all Departmental Post Offices as well as Extra Departmental Branch Post Offices in your Circle/Region which will help the staff working on all types of Post Office staff  to enhance their knowledge in their day to day work as it includes rules of all Savings Schemes in a very simple language and procedure to be followed by all Branch Post Offices in operating small savings schemes using RICT and IPPB devices.

6.         Copy of Information about latest Edition 2022 (First Page, Preface, Index and Order Form) is enclosed for ready reference.

For any further inquiry or clarification, please feel free to reach me at: Mob: (9899998054-WhatsApp), (7011348220-calling), e mail:- [email protected]


Your sincerely




Retired AD(SB)

Postal  Directorate

New Delhi

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