Automatic PLI/RPLI Claim Payments Through POSB Accounts Enabled in APT 2.0
Department of Posts Issues Operational Instructions for Restarting Automatic PLI/RPLI Payments Through POSB Accounts
The Department of Posts, Directorate of Postal Life Insurance, has issued detailed operational instructions regarding the restarting of automatic payment through POSB accounts and Policy Payout Integration between McCamish and APT 2.0.
Download Automatic PLI/RPLI Claim Payments Through POSB Accounts Enabled in APT 2.0 in PDF
The Office Memorandum was issued on 06 May 2026 by the Directorate of Postal Life Insurance, New Delhi.
The newly introduced functionality enables automatic processing of PLI/RPLI payouts directly through POSB accounts for various policy claim categories including maturity claims, death claims, surrender benefits, free-look cancellation, and loan-related payouts.
Automatic PLI/RPLI Payout Through POSB Accounts Enabled
As per the operational instructions issued by the Directorate, policy claim payouts through POSB accounts are now enabled in the production environment. The corresponding accounting entries will also be automatically reflected in DTR for Head Post Offices.
The integration has been implemented between:
- McCamish System
- APT 2.0
The initiative aims to streamline policy payout processing and reduce manual accounting workload in Head Post Offices.
Types of PLI/RPLI Claims Covered
The automatic payout functionality has been enabled for the following categories:
- PLI/RPLI Maturity Claims
- Death Claims
- Free Look / Policy Cancellation
- Surrender Claims
- Loan-Related Payments
The Directorate clarified that the accounting entries for these transactions will also be automatically generated in DTR.
Cases Where Manual Accounting Is Still Required
Despite automation, the Department has identified certain special cases where manual accounting in APT 2.0 will still be mandatory.
1. Rounding-Off Issues
Where there is any rounding-off discrepancy in PLI/RPLI payouts, the accounting should be manually carried out in APT 2.0 to avoid mismatch between receipt-side and payment-side figures in DTR.
2. Death Claims With Multiple Nominees
In cases where death claims involve more than one nominee, the same disbursement mode should be used for all beneficiaries and accounting should be processed manually in APT 2.0.
Detailed Accounting Process in APT 2.0
The Directorate has also provided detailed steps for manual voucher processing and accounting workflow in APT 2.0.
Step 1 – Open Miscellaneous Receipts/Payments Module
Users should select the “Miscellaneous Receipts/Payments” option available in Treasury Module.
Step 2 – Select Transaction Type
The transaction type should be selected as “Payment”.
Step 3 – Select Payment Mode
The following payment modes can be selected:
- Cash
- Cheque
- POSB
Step 4 – Enter Customer Details
Policy number and other customer details should be entered correctly.
Step 5 – Enter Proper Account Codes
Appropriate account codes should be selected based on:
- Policy Type
- Product Type
- Claim Category
- TDS/GST Components
Step 6 – Upload Supporting Documents
Sanction vouchers generated from McCamish system must be uploaded as supporting documents.
Step 7 – Submit for Approval
After verification, the payment request will move to the approver stage.
Approval Workflow for Payments
Role of Approver
The approver can either:
- Approve the request
- Reject the request after verification
Payment Processing
Payments will be initiated based on the payment mode selected by the maker.
Cross Verification of Reports
Product-wise, payment-mode-wise, and date-wise reports should be extracted from Accounts Module for verification and reconciliation by payment offices.
Important Instructions for Cheque Rejection Cases
The Directorate has issued several important instructions to avoid payout failures in cheque-based transactions.
Instructions to Be Followed
- Verify beneficiary details thoroughly before payment initiation.
- Ensure correct selection of payment mode.
- Confirm payee availability before cheque processing.
- Avoid unnecessary or duplicate requests.
- Review failure reasons carefully before reinitiating transactions.
Role of Head Post Offices
Head Post Offices have been instructed to:
- Ensure proper accounting as per prescribed process.
- Verify DTR figures with McCamish reports.
- Rectify discrepancies immediately if noticed.
- Ensure accurate accounting entries in Treasury module.
Role of Divisional Offices
Divisional Offices are required to:
- Cross-check receipts and payments periodically.
- Verify accounting entries in SAP IT 2.0/APT 2.0.
- Ensure all McCamish payouts are correctly accounted.
- Monitor discrepancies during transition period.
Standard Accounting Procedure for PLI/RPLI
The instructions also include standard accounting procedures for various PLI/RPLI categories including:
- PLI/RPLI Maturity Benefit
- Bonus
- Death Claim
- Surrender Benefit
- Survival Benefit
- NEFT/Cheque/POSB Accounting Entries
| PLI/RPLI Category | Payment Mode | Accounting Method |
|---|---|---|
| Maturity Benefit | POSB / NEFT / Cheque | Automatic / Manual as applicable |
| Death Claim | POSB / Cheque | Manual in multi-nominee cases |
| Surrender Benefit | POSB / NEFT | Automatic |
| Loan Payment | POSB / Cheque | Automatic |
| Free Look Cancellation | POSB | Automatic |
Benefits of McCamish and APT 2.0 Integration
The integration is expected to provide several operational benefits:
- Faster policy payout processing
- Reduced manual accounting workload
- Better reconciliation of DTR entries
- Improved automation in policy settlement workflow
- Reduced accounting discrepancies
- Faster claim settlement process
Official Details
Date of Issue: 06 May 2026
Conclusion
The Department of Posts has introduced a major operational enhancement by restarting automatic PLI/RPLI payouts through POSB accounts and implementing Policy Payout Integration between McCamish and APT 2.0.
While most payouts will now be processed automatically, special scenarios such as rounding-off discrepancies and multi-nominee death claims will continue to require manual accounting intervention.
All Head Post Offices, CPCs, and Divisional Offices have been instructed to ensure strict compliance with the revised operational guidelines for smooth implementation of the new payout system.
