BHARAT PENSIONERS SAMAJ PAYS RESPECTFUL HOMAGE.
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JUNE
June -2021
2021 VOL. XIV NO. 6 Single Copy : Rs. 50
New Delhi - 110014 Jangpura - A
e-mail : bharatpensioner@gmail.com
RNI REGD. NO. DELBIL/2006/17678 website : www.pensionersmedia.in
OFFICIAL MONTHLY ORGAN OF THE BHARAT PENSIONERS SAMAJ, NEW DELHI - 110 014
(Federation of All India Pensioners’ Associations)
(Associate NGO, INTERNATIONAL FEDERATION ON AGEING, TORONTO, CANADA)
DIRECT SUCCESSOR TO “PENSIONER” ESTABLISHED IN 1955
INCORPORATING ‘PENSIONERS’ COUNSELLOR
BHARAT PENSIONERS SAMAJ PAYS RESPECTFUL HOMAGE.
To its dedicated, honest and committed leader late
Comrade J. N. Rao ex BPS Vice President (WZ)
Comrade; J.Narayan Rao Born on 2nd June 1936,
a veteran BPS leader and a committed anti-nuclear
activist passed away due to covid-19 at Nagpur on
18th’May’2021. He had the credit to attend
international conferences against the usage of outer
space for nuclear arms, held at Japan, USA,
South Korea, Germany, Vietnam, France, China
& Mauritius. Carrying with him the BPS goodwill
messages to the Sr Citizens of these countries.
May God grant peace to the noble Soul and strength to those left behind
BHARAT PENSIONER 1June - 2021 HUM AUR AAP
R Subrahmanyam, IAS Secretary, o Chronic liver disease, such as alcoholic, and viral
Ministry of Social Justice and Empowerment hepatitis
Department of Social Justice & Empowerment o Chronic neurologic conditions, such as
Government of India D.O. No. Secy (SJE)/SD/ Parkinson’s disease, stroke
2020/214513 date : 13.04.2020 o Diabetes
Sub: Advisory for protection of senior citizens aged o Hypertension
above 60 years. o Cancer
Dear Chief Secretary, Advisory for Senior Citizens who are mobile:
The Senior Citizens who are aged above 60 years Do’s
and especially those with medical conditions are • Stay within the house all the time
particularly susceptible to infections during the • Avoid having visitors at home
Covid times. MSJE alongwith Ministry of Health • If meeting is essential, maintain a distance of 1
& Family Welfare and Department of Geriatric meter
Medicine, AIIMS Delhi has prepared an Advisory • If living alone, one can consider depending on
to be followed by all the senior citizens and their healthy neighbours for acquiring essentials for
care givers during these times. home
I would request that this Advisory is widely • Avoid small and large gatherings at all cost
publicised in all the districts, in all institutions • Remain actively mobile within the house
working for senior citizens and through NGOs who • consider doing light exercise and yoga at home
are working in this area. • Maintain hygiene by washing hands especially
With regards, before having meals and after using the washroom.
Yours sincerely, This can be done by washing hands with soap and
(R Subrahmanyam) Chief Secretary of States/UTs water for at least 20 seconds
Advisory for Senior Citizens during COVID-19 • Clean frequently touched objects such as
Based on the Census 2011 age-cohort data, it is spectacles
projected that there would be approximately • Sneeze and cough into tissue paper/handkerchief.
16 Crore Senior citizens (aged above 60 After coughing or sneezing dispose of the tissue
yrs) in the Country. paper in a closed bin/wash your handkerchief and
Sr Citizens between age group 60-69 yrs 8.8cr hands
Sr Citizens between age group 70-79 yrs 6.4cr • Ensure proper nutrition through home cooked
Assisted elders (above 80 years or fresh hot meals, hydrate frequently and take fresh
people who require medical assistance) 2.8cr juices to boost immunity
Indigent elders (destitute who are • Take your daily prescribed medicines regularly.
homeless or deserted by the families) 0.18cr • Monitor your health. If you develop fever, cough
Senior citizens above the age of 60 years face an and/or breathing difficulty or any other health
increased risk in Covid times. This is an advisory issue, immediately contact nearest health care
for Sr Citizens and their caregivers on how to facility and follow the medical advice
protect them from increased health risk during this • Talk to your family members (not staying with
period. you), relatives, friends via call or video
For whom is this? conferencing, take help from family members if
• Aged 60 and above particularly those with needed
following medical conditions • Due to Summer, avoid dehydration. Consume an
o Chronic (long-term) respiratory disease, such as adequate amount of water. (Caution for individuals
asthma, chronic obstructive pulmonary disease with pre-existing Heart and Kidney disease)
(COPD), bronchiectasis, post tuberculosis Don’ts
sequelae, interstitial lung disease • Come in close contact with someone who is
o Chronic heart disease, such as heart failure displaying symptoms of coronavirus disease (fever/
o Chronic kidney disease cough/breathing difficulty).
BHARAT PENSIONER 2June - 2021 HUM AUR AAP
BPS Contact details INDEX
Telephone : Office - 011 - 24376642, 011 - 49027335, 1. BPS pays respectful Homage
to Late Comrade J. N. Rao ............................. 01
Mobile/Whatsapp No.: 8860412898 (Only ‘SMS’ No 2. B P S contact details & Index...........................03
Voice Call) Contact Time: 11.30-2.30 pm only, 3. Hum Aur Aap................................................02-06
Visitors Time: 11.00-2.00 pm Membership Rates wef 4. Govt orders.................................................07-27
01.04.2020 (Individual) One year Rs. 375/- (Foreign) i) Release of terminal benefits to the family
$ 70 Two years Rs.700/- Three years Rs.1000/- of employees, who died due to Covid-19.............07
ii) ECHS Ticketing Software for efficient
Annual Affiliation (Assn/Institution etc) : Rs. 600/
functioning complete ECHS eco system ....07-08
- Annual Postage Charges by Speed Post/Regd iii) Maintenance of General Provident Fund
Book Post: Speed Post Charges : Rs. 240/- for Delhi Accounts by the Mins/Deptts- reg............09-10
/ NCR : Registered Book Post Charges : Rs. 340/- iv) Haemodialysis of chronic kidney disease
for Outside Delhi/NCR. {You may also deposit patients without referral till 31.7.21: ECHS....10
amount for membership, donation thru our website v) Processing of pension papers & Compt apptt
in the case of deceased employees- reg.........10-11
bps1955.in} Please prepare drafts/Multi City vi) Compassionate appointment-Relaxation
cheques in favour of BHARAT PENSIONERS of guidelines in the wake of Covid situation.11-12
SAMAJ OR send eMO with complete details to vii) Withdrawal of 3% fitment benefit allowed to
Bharat Pensioners Samaj - 2/13A, LGF (Back side) officials/officers already granted MACPs, on
Jangpura ‘A’ Hospital Road, New Delhi. their promotion to AAO-reg.........................12-13
(viii) Seeking clarification regarding admissibility of
You May Also Deposit subscription/ MACP and fixation of pay thereunder................13
ix) Amndt the Master Direction (MD) KYC to
Donations in BPS Bank Account Or further leverage the Video based Customer.14-17
online through psyment Portal x) Guidelines under BSNLMRS in view of
Covid-19 pandemic.....................................17-18
Details as follows : xi) Gazette Notification No.GSR 299(E)
Bank A/C: CANARA Bank New Delhi-110014, dated 28.04.2021 – Reg...............................18-19
Jangpura, Bhogal Branch A/C No: xii) Medical advance without documentation in
2007101019420. IFSC: CNRB0002007. Account emergency hospitalization on account of
Holder: Bharat Pensioners Samaj. Do intimate life threatening illnesses including Covid..........19
xiii) Pension Payment to Rly Penrs ...................19-20
details after depositing in Bank a/c by SMS/e-
xiv) Reimbursement of expenses incurred on
mail etc for correctly crediting to your account. Covid-19 related Treatment...............................20
Online payment details xv) Simplification of procedure for investigations
Visit website www.bps1955. URL : and treatment related to Covid-19-Infect.....20-21
http://www.bps1955.in/web/payment_bps.php xvi) Reimbursement of Medicines : Special Sanction
in view of Covid-19...........................................21
Appeal xvii) Certain compliances to provide relief to
taxpayers in view of the severe pandemic............22
NOTHING CAN BE ACHIEVED xviii) Benefits in promotional hierarchy under
WITHOUT STRUGGLE. EVERY MACP Scheme............................................23-24
xix) Reimbursement of cost of OPD Medicines:
STRUGGLE NEEDS MONEY Special Sanction in view of Covid-19 reg............25
xx) Benefits granted to family on death of a Govt
DONATE GENEROUSLY TO servants during service................................25-26
BPS IF YOU WISH IT TO xxi) Relaxation of Rule 80-A On death of a Govt
Servant during service..................................26-27
CONTINUE TO STRUGGLE 5. Judgements.................................................28-33
6. Thanks ..........................................................34-35
FOR YOUR WELFARE WITH 7. Grant of Fixed Medical Allowance to
THE SAME ZEAL & PASSION Widowed /Divorced/Unmarried Daughter
and DA & DR..................................................36
BHARAT PENSIONER 3June - 2021 HUM AUR AAP
• Shake hands or hug your friends and near ones • Avoid tobacco, alocohol and other drugs to avoid
• Go to crowded places like parks, markets and loneliness or boredom
religious places • If you have an already existing mental illness, call
• Cough or sneeze into your bare hands helpline (08046110007)
• Touch your eyes, face and nose • Contact helpline in case of
• self-medicate o Change in mental status, such as excessively
• Go to hospital for routine checkup or follow up. drowsy during the day, not responding, speaking
As far as possible make teleconsultation with your inappropriately
healthcare provider o New onset of inability to recognise relative which
• Invite family members and friends at home he/she could do before
Advisory for caregivers of dependent senior Don’ts
citizens • Isolate yourself
Do’s • Confine oneself in a room
• Wash your hands before helping the older • Follow any sensational news or social media
individual posts.
• Cover nose and mouth adequately using a tissue • Spread or share any unverified news or information
or cloth while attending on the senior citizen further
*****
• Clean the surfaces which are frequently used.
Secy.Genl BPS S C Maheshwari Writes
These include a walking cane, walker, wheel-chair,
1)No. BPS/SG/UT/Pensioner/021/1 dt 12.05.2021
bedpan etc
To
• Assist the older individual and help her/him in
The Honourable Union Minister
washing hands
Health & Family welfare
• Ensure proper food and water intake by senior
(For the kind attention of Dr Harshvardhan)
citizens
Sub:- Denial of CGHS facilities to Pensioners of
• Monitor his/her health
Union Territories – reg
• Contact help-line if the older adult has the
Sir,
following symptoms:
While highly appreciating your efforts to contain
o Fever, with or without body ache
Covid-19 Pandemic, Bharat Pensioners Samaj
o New-onset, continuous cough, shortness of
(Federation), the Apex Body representing all India
breath
Pensioners Associations, having reached over 10
o Unusually poor appetite, inability to feed
lakh civilian pensioners from all the departments
Don’ts
and disciplines of Government of India, an
• Go near senior citizens if suffering from fever/
Associate NGO of International Federation on
cough/breathing difficulty
Ageing, Toranto, Canada and as one of the
• Keep senior citizens completely bed-bound
institutions identified as assisting arm in resolving
• Touch the Senior Citizen without washing hands?
pensioners grievances by the Department of
Advisory for senior citizens on mental well-being
Pension and Pensioners Welfare, Government of
Do’s
India, wishes to submit the following grievances
• Communicate with relatives at home
of the pensioners of Union Territories regarding
• Communicate with neighbours, provided social
denial of CGHS facilities, for your sympathetic
distancing is followed, and gathering of people is
consideration during this acute pandemic time and
avoided
Azadi ka Amrit Maha Utsav and for early favourable
• Provide a peaceful environment
decision:
• Rediscover old hobbies like painting, listening to
1.The Union Territories are under the administrative
music, reading
control of the Central Govt., the conditions of
• Make sure to access and believe only the most
service including pay scales of the staff in the UTs
reliable sources of information
being governed by central rules at par with the
BHARAT PENSIONER 4June - 2021 HUM AUR AAP regular Central Govt. employees and pensioners. Sir, Your kind attention is invited to But after some initial period of enrolment under DGBA.GAD.No.H4054/45.03.001/2014-15 March CGHS, the authorities have stopped the facility to 13, 2015 according to which whenever any excess the UT Pensioners on the plea that they were not payment of government pension is detected, due regular Central Government employees. to an act of omission on the part of the agency This decision was challenged by some of the bank/the government, the entire amount should affected persons in various CATs who obtained be credited to the government account immediately. favourable decrees. But unfortunately even during These instructions stand reiterated vide the severe Covid -19 calamity period, CGHS DGBA.GBD.No.S-1/31.02.007/2021-22 April 1, 2021. enrolment is now limited to the parties to the This is too harsh a punishment for no fault of theirs litigations and others are still being denied the especially in case of family pensioners & the benefit. pensioners in lower /middle rung, whose survival This is not only discriminatory but is inhuman and is on pension only. Family pensioners who are amounts to denial of right to live during the present subjected to 40% cut in the family budget abruptly calamity. on the demise of the one member of the family i.e. Bharat pensioners Samaj, therefore, seek your the pensioner are often pushed to starvation intervention to mitigate the sufferings of these because of such lump-sum recovery in one go. pensioners of UTs. Bharat Pensioners Samaj, therefore, request you Thanking you , to review the said order and to advise all concerned Yours faithfully, to ensure such recovery in monthly installments Copy to Dr Jitendra Singh, The Hon’ble MOS, not exceeding 33% of the basic pension. M/O Personnel, PG &Pensions. For favour of n/a Thanking you at his level please. Yours faithfully, 2) No BPS/SG/RBI/021/01 Dated :16.05.021 Secy. Genl; To Bharat Pensioners Samaj The Honourable Governor RBI Copy to Dr Jitendera Singh MOS(PP) GOI M/O (For the kind attention of Shri Shaktikanta Das; Personnel, PG & Pensions with a request to kindly IAS; Governor) take up the issue at his level please Sub : Recovery of excess/ wrong pension payments 3) No. BPS/SG/FP/Pensioner/21/5Dtd 19.05. 021 made to the pensioners To Ref : RBI/2014-2015/500.DGBA.GAD.No.H4054/ DR. Jitendera Singh; 45.03.001/2014-15 March 13, 2015 Honourable MOS M/O Personnel,PG & Pensions Sir, Reg: Payment of provisional Family Pension to While highly appreciating your efforts to keep the spouse of pensioner died during Pandemic Country’s economy on track during Covid-19 Covid-19 Pandemic, contain Covid-19 Pandemic, Bharat Respected Sir, Pensioners Samaj (Federation), the Apex Body Bharat Pensioners Samaj, while appreciating the representing all India Pensioners Associations, various welfare measures undertaken by the having reached over 10 lakh civilian pensioners Department of Pension and Pensioners Welfare from all the departments and disciplines of under your leadership,seek your intervention to Government of India, an Associate NGO of mitigate the suffering of spouses of pensioners International Federation on Ageing, Toranto, died during Covid -19 period. Canada and as one of the institutions identified as Sir, we with a heavy heart bring to your kind assisting arm in resolving penrs grievances by the notice that, during this second wave, many of the Department of Pension and Pensioners Welfare, Central Government pensioners have succumbed Government of India, wishes to submit the following to Corona. In a bid to curb spread of novel grievance of the pensioners/family pensioners: CoronaVirus in the country, many of the State BHARAT PENSIONER 5
June - 2021 HUM AUR AAP Governments have declared Lock-down for a has been received and the Head of Office is period ranging from 15 days to a month or two. satisfied about the bonafide of the claim, he shall During this lockdown period, the concerned State sanction provisional family pension immediately Governments have issued guidelines to the offices in the case of death of a Govt servant during and also Central Government offices, in their service and that the amount of provisional family respective States, to function with bare minimum pension shall not exceed the maximum family staff. As a result of this, spouses of penrs, who pension as admissible under Rule 54 of CCS died due to Covid or any other reasons, may not Pension Rules, 1972. As the concerned Pension able to submit Form No.14, duly filled and signed Sanctioning Authority would have authorised for with all the relevant documents. In view of the payment of family pension to his or her spouse in lockdown declared by the Govt and in the absence the PPO issued to him or her at the time of issuing of functioning of govt offices with full strength, Pension Payment Order to him/her, provisional there may be delay in their submission of Family family pension can be sanctioned pending receipt Pension Application, which, in turn, may result in of Family Pension Application (Form No.14), duly delay in getting their family pension sanctioned. filled and signed with all the relevant documents As you are aware, only Centl Govt emplys/penrs, for further processing and sanctioning of Family who are residing in areas where CGHS Wellness Pension. Centres and CGHS empanelled Hospitals exist, can, Considering the hardship faced by the penr’s avail CGHS facilities in the empanelled hospitals. spouses, if the family pension is not sanctioned During this pandemic, other Centl Govt emplys/ immediately, especially during this Covid-19 penrs are being denied admission in the CGHS pandemic and also in normal course, we request empanelled hospitals when they are inflicted by your good self to consider sanctioning of Covid or for any other reasons when they desire, provisional family pension to the spouses of penrs, to get admission using CGHS Card. In view of this, who have succumbed to Corona or due to any many Centl Govt emplys/penrs/family penrs, other diseases during this pandemic, just as has during this pandemic, had to meet hospitalisation been done in the case of death of a Govt servant expenses from their own savings. Consequent to during service in terms of Dop&PW OM dated death of emplys/penrs, due to Covid or any other 27.7.2020, on receipt of a request on a plain paper health reasons, their spouses or family members for sanction of provisional family pension along are not only put to financial hardship having spent with Doctor’s Certificate relating to death with huge sum towards hospitalisation expenses, but copies of Aadhar card/Pension Payment Order/ also due to the delay in getting their family pension first page of pass book, pending submission of consequent to the delay in submission of Form Form No.14 along with other relevant documents No.14 (Family Pension Application) along with all Kindly cause to issue necessary orders, in this the required documents. Having spent their regard, at the earliest. savings towards hospitalisation, penrs’ spouses Thanking you, may find difficulties in meeting their day to day With regards expenses and medical needs, if there is delay in Yours faithfully, getting their family pension. For Bharat Pensioners Samaj In this connection, we wish to bring to your kind S.C. MAHESHWARI, SECRETARY-GENERAL attention that, in order to avoid any hardship to CC: 1. Sri Indevar Pande, IAS, SECY, DOP&PW the family of the deceased Govt servant, the Govt 2. Sri Sanjiv Narain Mathur, IAS, Joint Secretary has relaxed the provisions of Rule 80-A of the CCS (Pension), DOP&PW (Pension) Rules, 1972, - vide its OM dt 29.7.2020 3. Director (Pension), DoP&PW (copy enclosed) to the extent that if a claim for 4. Sri Rajesh Kumar, Under Secretary DOPPW family pension in Form 14 along with death 5. All the Affiliates\ certificate and bank account details of the claimant S.C. MAHESHWARI, SECRETARY-GENERAL BHARAT PENSIONER 6
June - 2021 GOVT ORDERS Release of terminal benefits to the family of Units are also requested to personally monitor the employees, who died due to COVID-19 infection progress of payments to the family of deceased or other reasons: BSNL Order employees. A progress report on the payments BHARAT SANCHAR NIGAM LIMITED (A made in respect of deceased employees may also Government of India Enterprise) CORPORATE be sent to the Corporate Office on a weekly basis OFFICE Establishment Cell Bharat Sanchar Bhawan till the such time the pandemic wanes. H.C. Mathur Lane, New Delhi- 01 dt: 13 May, 2021 This may please be treated as most urgent. To. [Arvind Vadnerkar] All Heads of Telecom Circles & All Heads of Other Director (HR), BSNL Board Administrative Units, Bharat Sanchar Nigam ECHS TICKETING SOFTWARE for efficient Limited functioning of the complete ECHS eco system Sub: Release of terminal benefits to the family of Central Organisation ECHS Adjutant General’s employees, who died due to COVID-19 infection Branch Integrated Headquarters of MoD (Army), or other reasons. Thimayya Marg, Near Gopinath Circle, Delhi Cantt- Sir, 110 010 b/49711-NSC/AG/ECHS/Workflow 11 May As you are aware, due to surge of COVID-19 2027 pandemic in our country a number of employees of All Regional Centres All Record Office : ECHS BSNL have become victims of this deadly pandemic Branch Embassy of India Kathmandu (Nepal) and passed away untimely. In this hour of grief, it ECHS TICKETING SOFTWARE must be our endeavor to support the bereaved General families in every possible way. Accordingly, it has 1. A ticketing system software has been been decided that the terminal benefits, viz. Gratuity, implemented for efficient functioning of the Leave Encashment, GSLSI, GPF/EPF, GTI (if the complete ECHS eco system which is now deceased employee was a member) etc., payable to increasingly getting automated. This ticketing the eligible family member(s) of deceased system will enable all the stakeholders to report employees may be processed with utmost priority faults online in the hardware and software being and all due payments are released within a period used by their respective organizations. The faults of 30 days. In respect of the deceased employees reported will automatically allocate the having pensionable service, the family pension responsibility for ratification to the Technical cases may be processed immediately on receipt of Support Engineer (TSE) of Source Dot Com Pvt. requisite papers and the same may be submitted to Ltd (SDCPL) and keep updating the status online. respective CCA. Similarly, the superannuation All stakeholders will be able to monitor progress benefit admissible to directly recruited employees of the faults raised and also escalate if not rectified may also be processed immediately. The above within the laid down time frame. process may also be followed in cases of death of Stakeholders an employee due to other reasons. 2. A list of stakeholders who will be provided with 2. In order to ensure that the terminal benefits are the online ticketing system is given as under:- paid to the family of deceased employees in time, it (a) Central Organisation ECHS has been decided that GM(HR) and IFA of the circle (b) All station HQ will function as nodal officers to supervise the (c) All Record Office progress of payment in each case and they will be (d) All Regional Centers responsible for timely payments of eligible dues. (e) All ECHS Polyclinics Further, the Welfare Officer of the Business Area/ (f) ECHS Helpline Unit may be deputed to apprise the families of their (g) Call centre maintained by SDCPL. due payments and also arrange to get the requisite 4. All stakeholders to request for username and procedures/papers/forms completed by the eligible password to CO ECHs at email-id jditechs-mod@nic.in family member. The Heads of Circles/Administrative using their respective official email IDs only. The BHARAT PENSIONER 7
June - 2021 GOVT ORDERS username and password will be generated by automatically close the ticket after 24 hours of SDCPL and forwarded to CO ECHS which will then resolving the projected issue. be forwarded to the respective stakeholders on their Conclusion official email ID. 5. All stakeholders are requested to use the online 5. The system will provide following two options ticketing system for rectification of any fault to raise online ticket:- observed in the 64 Kb ECHS system. (a) Ticket to request for online training of the (Col JM-Gurang) modules used in the 64Kb ECHS system. Jt Dir (Statistics & Automation) for MD ECHS (b) Ticket to report hardware and software faults. Non-Deduction of Income Tax at source from 6. Training Ticket. The stakeholders can request Pension in respect of Gallantry Awardee for training of its users twice a year due to rotation GOI- DEPARTMENT OF EXPENDITURE- CPAO of its employees and also for all newly introduced No. CPAO/IT&Tech/Gallantry Award/26/2020-21/ modules. 06 Dated- 12.05.2021Office Memorandum 7. Ticket raising for Hardware/Software Faults. The All the Authorized Banks involved in disbursement user is required to login using online credentials. of pension are to draw their attention towards The ticket raising will have following fields:- provisions of Section-10, clause 18 (i) of Income (a) New ticket generation. Tax as notified vide Ministry of Finance, (i) To raise a new ticket, click on raise new ticket Department of Revenue, CBDT Notification dated (ii) Enter own mobile number (For communication 24th November, 2000. This notification provides purpose related to the ticket raised) for exemption of application of Income Tax for the (iii) Select the issue category as Hardware/ pension received by an individual who has been Software. in the service of the Central Government or State (iv) Then select sub. category of the fault/issue to Government and has been awarded Gallantry be reported like, issue of token display, server etc. Award as may be specifically notified by the Central (v) The system will automatically define the priority Government from time to time. Family pension based on issue category. received by any member of the family of such (vi) Suitable subject be mentioned like KIOSK faulty, individuals is also exempt. The referred clause also server not functional, Doctor Module not clearly indicates that no deduction of income tax functional etc. should be made in the case of recipients of such (vii) The system will generate a ticket number and awards. click on the Submit Tab. 2. Despite these clear provisions of the Act, it has 8. Ticket Reports come to notice of this office that the above (a) The system will facilitate to give ticket status provision of Income Tax is not being complied with report under the following heads:- . in its letter and spirit by the certain pension (i) Open ticket list. disbursing banks. (ii) Complete Ticket list. 3. All the pension disbursing banks are, therefore, (iii) Closed ticket list. required to ensure that the Income Tax at source is (b) System will display a complete Audit log of the not to be deducted from pension in respect of ticket with the remarks of all users who have worked Gallantry Awardee as per the provision of Section on the ticket. 10 clause 18(i) of the IT Act, CBDT Notification (c) Once a ticket is completed by SDCPL then the dated 24th November, 2000. The provision of system will give a window of 24 hours for the user Income Tax is to be followed scrupulously without to either re-open the ticket or close the ticket fail by all pension Disbursing Banks. depending on the situation whether the issue is This issues with the approval of the Controller resolved or still not satisfactorily resolved. General of Accounts. (d) In case no action is taken by the user to either (Rokhum Lalremruata) close or re-open the ticket then the system will (Chief Controller of Pensions) BHARAT PENSIONER 8
June - 2021 GOVT ORDERS Maintenance of General Provident Fund Accounts Accounts & settlement on final payment cases by by the Ministries/Departments: CGA, FinMin OM the field offices are attended to in a timely and an No 403 Dated 12th May 2021 efficient manner. No. TA-3-104/1/2020-T A-III/cs-4261/403 Ministry (5) All the Pr.CCAs/CCAs/CAs(IC) are requested of Finance Department of Expenditure Office of to ensure strict compliance to procedural Controller General of Accounts Mahalekha guidelines/instructions laid down in Civil Accounts Niyantrak Bhawan, Block, GPO Complex. INA, New Manual in this regard. A check-list of activities for Delhi Dated: 12/05/2021 proper maintenance of the GPF Accounts 1s Office Memorandum enclosed with this OM as Annexure-A. Sub: Maintenance of General Provident Fund (6) It may also be ensured that Nominations as per Accounts by the Ministries/ Departments- reg. Rule 5 of GPF (CS) Rules,1960 are obtained and A reference is invited to the provisions of General accepted by the Head of Office concerned. A review Provident Fund (Central Services) Rules, 1960 and in this regard be conducted and the matter taken, Chapter 6 of the Civil Accounts Manual outlining up with the concerned Head of Office to obtain the the procedure for the maintenance of GPF Account same. of subscribers by the Ministries/Departments. In (Ashish Kumar Singh) order to ensure proper maintenance of GPF Dy. Controller General of Accounts Accounts and expeditious disposal of withdrawal/ Annexure-A final payment cases provisions of Civil Accounts Check List for maintaining GPF Account: Manual and the instructions issued by the 1. Maintain all records pertaining to GPF viz. Broad Government from lime to time in this regard need to Sheet, ledger, Classified/consolidated Abstract & be strictly adhered to in order to prevent PBR as per laid down procedure in prescribed form. irregularities/ discrepancies in maintenance of GPF HoOs/DDOs may be asked to ensure that GPF Accounts of subscribers and delay in disposal of details are maintained in manual PBR. final payment cases. These have also been reported 2. Review of Individual ledgers and investigation during the course of Special Audit on GPF of missing credit/debits and adjustment thereof. conducted by Audit Wing of the office of CGA. 3. Proper checking of accounting for the 2. Following checks are to be carried out by all subscriptions received through challan, the head PAOs: Check if there is any discrepancy in carry of account; Check for any duplicity of the credits forwarding of closing balance to Opening Balance to avoid any overpayments. of the next financial year of the subscriber’s GPF 4. Verification of interest calculation account. 5. Figures of debit and credit in GPF Broad sheet (i) Delay in final payment cases on retirement/death should tally with the Accounts, any mismatch to of a subscriber. be tracked out with reasons and necessary (ii) Difference between GPF broadsheet and figures adjustments effected in case of misclassification as per compilation sheet. as per procedure. (iii) Missing Debit/Credit of GPF subscription 6. Timely settlement of final payment cases on (iv) Improper maintenance of GPF ledger retirement. It may be ensured that GPF Accounts (v) Check discrepancies in Transfer-in and Transfer are properly settled and closed. – out cases 7. Dormant Account to be investigated and closed (vi) Check discrepancies in GPF final payment cases after proper scrutiny within a reasonable period to (3) Improper maintenance of GPF accounts is a avoid the chances of any ambiguity in the serious matter and affects the balances in the GPF subscriber’s GPF account. Accounts of the subscribers which could lead to 8. Verification of all the particulars mentioned in less/ over payments to some subscribers. Annual statement with the GPF ledger before issue. (4) It is necessary that each transaction relating to 9. To ensure the overall total booking made under GPF viz subscriptions’ refunds advance/ GPF Head should tally with credit side inclusive of withdrawal., credit of interest. transfer of GPF credit received through salary or challan, transfer BHARAT PENSIONER 9
June - 2021 GOVT ORDERS in amount and interest accrued on the same details COVID-19 positive designated hosp undertaking of advance/withdrawal of GPF, amount of transfer dialysis of COVID-19 positive patients, has out and amount of final payment made to this resulted in large numbers of ECHS beneficiaries account facing difficulties to undergo Haemodialysis. 10.Month-wise total credits of subscribers needs, 2. Haemodialysis is to be considered as a life saving to be tallied with schedules attached to salary bills/ emergency, hence no referral is read to be taken challans and posted in the Broadsheet subscriber from parent polyclinic. Patients may obtain wise. treatment without referral from Service/Emp/Non 11.In case of any mismatch in the figures posting Emp/Govt Hosp/Med College till 31 Jul 2021. in the accounts to be checked to track the 3. The situation shall be reviewed after 31 Jul 2021. discrepancies for rectification. 4. This is for your info and wide dissemination to 12. No entry is to be posted in account without the all the ECHS Polyclinics under their control. supporting instrument (Challan/Debit voucher/Cr. ( Col SK Gupta) Schedules/salary bill). Dir (Med) for MD ECHS 13.Any transfer entry needs to be prepared with Processing of Death/Retirement benefits/family reasons and correct corresponding contra entry pension papers and Compassionate appointment elected after verification of the related instruments. in the case of deceased employees: CBDT 14.Review of Transfer-in & Transfer-out cases. Office of the Pr. Chief Commissioner of Income Tax, Every account should be thoroughly checked Andhra Pradesh & Telangana, Hyderabad, before making transfer out and in of GPF balance. F.No.Pr.CCIT/Misc/Estt/2020-21 Date: 11/05/2021 15.Details of GPF accounts without having To nominations to be tracked out and the matter may All the Heads of Departments/Heads of Offices of take up with Head of Office to obtain the nomination Andhra Pradesh & Telengana Region. by GPF Subscribers as per Para 6.2 of the CAM. Sir, 16.Reconciliation of closing balance of GPF with Sub: Processing of Death/Retirement benefits/ the opening balance of current financial year for family pension papers and Compassionate the Previous Financial year. appointment in the case of deceased employees 17.The work relating to GPF should be processed — reg. through the GPF module of PFMS by PAO, where Ref: CBDT, new Delhi’s letter in F.No. 610/01/2021- PFMS is implemented, and check each entry TCB/739 dated 08/05/2021 & 10/05/2021 properly. Kindly refer to the above. 18. The year-end total booking under head of GPF 2. Vide above referred letters, the CBDT had directed account should be tallied in credit side with total for processing of Death/Retirement benefits/family GPF credit received through salary or Challan, pension papers and Compassionate appointment transfer in amount and amount credited as interest in the case of deceased employees expeditiously. and debit should tally with total advance/ In this connection, I am directed to request the withdrawal of GPF, amount of final GPF payment Heads of Department/Offices concerned to direct and amount of transfer out of GPF cases. the concerned to process the same expeditiously, Haemodialysis of chronic kidney disease patients in all such cases. without referral till 31.7.2021: ECHS Yours faithfully, Central Organisation ECHS Adjutant General’s (B. SRINIVASA RAO) Branch Integrated Headquarters MoD(Army) B/ Jt. Commissioner of Income Tax, 49770/AG/ECHS 05 May 2021 (OSD) (Hars)Admn.), All Regional Centres O/o Pr.CCIT, AP&TS, Hyderabad. Haemodialysis of Chronic Kidney Disease Patients Government of India Ministry of Finance/ 1. In view of the surge in the cases of COVID-19 Department of Revenue Directorate of Human and limited availability of emp hosp which are Resource Development Central Board of Direct BHARAT PENSIONER 10
June - 2021 GOVT ORDERS
Taxes Gate No.-1, 2™ Floor, J N Stadium, New Delhi- 3. In this context, it is stated that the DoPT vide
110003 F.No.610/01/2021-TCB / 739 dt: 10 May, 2021 O.M.No.14014/6/94-Estt(D) dt 09.10.88 had issued
To the ‘Compassionate Appointment under Centl
All Pr. Chief Commissioners of Income-tax (CCA) Govt’ Scheme to grant appointment on
Madam/Sir, compassionate grounds to a dependent family
Sub: Processing of Death/Retirement benefits/ member of a Govt servant dying in harness or who
family pension papers and Compassionate is retired on medical grounds. The Scheme has been
appointment in case of deceased employees—reg. updated from time to time. The main object of the
Kindly refer to the subject cited above. Scheme is to relieve the families of such Govt
2. In continuation of this Directorate’s letter of even servants from financial destitution and to help them
number F.No.610/01/2021-TCB dated 8th May 2021 get over the emergency.
regarding processing of matters for compassionate 4. Vide letter dated 4th May 2021, Chairman, CBDT
appointment to family members of deceased had directed for immediate processing of Death/
employees, I am directed to state that any issues, Retirement benefits/ family pension papers in all
in respect of the availability of vacancies for such cases of unfortunate demise of any officer/ staff of
appointments may be brought to the notice of this the Department. I am further directed to state that
Directorate on an urgent basis. in all such cases the family members of the
3. I am further directed to state that the Death/ deceased employees may also be advised about
Retirement benefits/ family pension papers in all the provisions of the Compassionate Appointment
cases of unfortunate demise of any officer/staff of Scheme and assisted in filing application for
the Department must also be processed appointment under the Scheme at the earliest. The
expeditiously under intimation to this Directorate. applications so filed may be disposed expeditiously
4, This issues with the approval of the Competent and the Directorate of HRD may be contacted on
Authority. any issue which may enable expeditious dispose
Yours faithfully, of the applications made by family members of the
(Navneet Manohar) ADG-3, HRD deceased employees under this Scheme or for any
further suggestions in respect of the Scheme.
Appointment of dependent family members of
5. This issues with the approval of the Competent
officers/officials under the existing
Authority.
Compassionate Appointment Scheme
Yours faithfully,
GoI Min of Finance/Deptt of Revenue Directorate
(Shibanka Das Biswas)
of Human Resource Development Central Bd of
Jt Director of Income-tax (TCB) Directorate of HR
Direct Taxes F.No. 610/01/2021-TCB 8th May, 2021
To Scheme for compassionate appointment –
The Pr. Chief Commissioners of Income-tax (CCA) Relaxation of guidelines in the wake of COVID
Madam/Sir, situation: Department of Posts
Sub: Appointment of dependent family members No.17-4/2018-SPGII/PT-IGOI-M/OCommunications
of officers/officials under the existing Department of Posts dt: 24.05.21
Compassionate Appointment Scheme–reg. To
Kindly refer to the subject cited above. 1. All Chief Postmasters Genl/Postmasters General
2. The Covid-19 pandemic has wreaked havoc since 2. CGM, Parcel Directorate / PLI Directorate/CEPT.
it raised its head in India and unfortunately many 3. Director, RAKNPA
officers and officials of the Deptt have lost their 4. Directors of all PTCs
lives while in service due to this disease. The 5. Addl.DG, APS, New Delhi.
situation is even more painful where the officer/ 6. All GMs (Fin)/Directors Postal Accounts/ DDAP.
official happened to be the sole bread earner in the Sub: Scheme for compassionate appointment –
family. The entire I-T fraternity stands in solidarity Relaxation of guidelines in the wake of Covid
with the families of the deceased employees. situation.
BHARAT PENSIONER 11June - 2021 GOVT ORDERS
Madam / Sir, Sub: Withdrawal of 3% fitment benefit allowed to
Kindly refer to this office OM No.17-4/2018-SPG-II officials/officers already granted MACPs, on their
dt 28.9.2020 vide which instructions on revised promotion to AAO-regarding.
“Relative Merit Points System” (RMPS) were Sir/Madam,
circulated to all circles. In para 3 of the OM, it was I am directed to refer to this office letter No. 3(4)/
mentioned that ‘in respect of all applications for 10/PA Admn.1/475-496 dated 07.02.2013 and 3(1)/
compassionate appointments received from 15/PA Admn.1/1030-1081 dated 16.10.2019 on the
January to December of a calendar year, the meeting aforementioned subject.
of Circle Relaxation Committee (CRC) for 2. The provisions of this office OM dated 07.02.2013
considering such applications for compassionate and 16.10.2016, referred above, have been examined
appointment will be held by circles once in a year in the light of provisions of circular issued by
between January to March of the next Calendar DOP&T vide OM No. 35034/3/2008 – Estt. (D) dated
year ‘. 19.05.2009 and in the light of clarification received
2. The Postal Directorate has received requests from DoP&T vide their ID Note Dy. No.1376647/
from various postal circles that in view of COVID- 19/CR dated 08.08.2019. It has been decided that
19 situation, the schedule prescribed for conducting guidelines / clarifications issued vide ibid letters
the meeting of the CRC may be extended. dt 07.02.2013 & 16.10.2019 are hereby withdrawn.
3. The matter has been examined and it has been 3. In view of above all cases falling under these
decided with the approval of competent authority categories may be reviewed and pay may be fixed
that wherever the CRC meeting has not been held strictly as per Circular regarding MACP Scheme
yet, will be concluded by 15.06.2021. Concerned issued vide DOPT OM No.35034/3/2008-Estt.(D)
circles will ensure that during the CRC meeting, no dated and 19.05.2009 and OM No. 35035/3/2015-
case of death which occurred by 31.12.2021 is left Estt.(D) dated 22.10.2019.
for consideration. It will also be ensured that that This issue with the approval of the Competent
appointment orders to recommended applicants are Authority.
issued by 18.06.2021 after CRC with instructions Yours faithfully
that selected candidates must join by 30.06.2021. Sd/-
4. The time schedule will be followed by all the Director (PA-Admn)
Circles without any exception. A report will be Enclosures
submitted to Directorate to be received by 5th of No.3 (01)/15/PA-Admn.1/1030-1081 GoI, Min of
July 2021 in the proforma enclosed on the email id Communications Deptt of Posts, Postal Accounts
ddgp@indiapost.gov.in for information of DG Wing, Dak Bhavan, New Delhi. dt: 16/10/2019
(Posts) To
Yours faithfully, The Under Secretary (SEA-II) Department of
(G. Rajeev) Director (Staff) Telecommunications
Source: Click here to view/download the PDF Sub: Regarding grant of benefit of 3% Fitment of
new recruited AAOs.
Withdrawal of 3% fitment benefit allowed to
Madam, .
officials/officers already granted MACPs, on their
I am directed to refer to your office letter dated
promotion to AAO: Department of Posts
04.04.2019 on the aforesaid subject forwarding
No.3 (01)/2015/PA-Admn.I/ 4325 to 4385 GoI, Min
therewith representations of 4 new AAQs for grant
of Comm Deptt of Posts, Postal Accounts Wing,
of 3% fitment benefit and pay fixation on promotion
Dak Bhawan, New Delhi. dt: 26.04.2021
from Sr. Accountant to AAO cadre (Pay Matrix
To,
Level-8) on the basis of qualifying LDCE-2018 after
1. All Pr.CsCA/ Director General, NICF, Ghitorni /
grant of MACP in Level-7. In this regard, it is
Director, RANKPA, Ghaziabad
intimated that the matter has been examined in the
2. All GM(F)/DA(P)/ Director (SEA-II), DOT HQ/
light of clarifications/guidelines issued vide this
CCA
BHARAT PENSIONER 12June - 2021 GOVT ORDERS
office letter dated 07.02.2013 and letter No.25/7/ and were working in Level-7 after getting MACP-
2019-CS.II(B) dt 27.08.2019 issued by Deptt of III in SA Cadre, 3% increment fitment benefit is
Personnel & Training which envisages as under:- admissible to them while fixation of their pay in
1. There are two separate cadres available in AAO cadre, their pay will be fixed in level-8. The
operational side and PAO side having different line officers who were already working in Level-8, there
of promotion. The promotional hierarchy of a Postal shall, however be no further fixation of pay at the
Assistant is LSG..HSG-II…HSG-I, PA can only time of regular promotion/grant of Non Functional
become eligible for promotion to JAO (Now merged Scale, if it is in the same grade pay as granted under
as AAO) cadre by qualifying the relevant MACPs.
examination. Thus promotion of PA to AAO is not Therefore, representations of the officers may be
in its promotional hierarchy. disposed off accordingly.
2. Those who have already earned two financial Yours Sincerely,
upgradation (TBOP/BCR) and one regular (C.S. Guleria),Assistant Director General(PA-Admn)
promotion (AAO Cadre) will not be eligible for 3
No.3 (4)/10/PA-Admn.I/475-496 GoI, Min of
financial upgradation under MACP Scheme.
Communications & Information Technology
3. The officers who have got MACP/regular
Department of Posts Dated: 07th February 2013
promotion in different hierarchy will be eligible for
To Director of Accounts,
the benefit of 3% fitment benefit at the time of
Postal, Jaipur.
fixation of pay on regular promotion to AAO cadre,
Sub: Seeking clarification regarding admissibility
as the promotion to the cadre of AAO is not in the
of MACP and fixation of pay there under.
hierarchy of PA (Postal Assistant).
Sir,
Para 2 of letter no.25/7/2019-CS.II(B) dated
Kindly refer to your office letter No. Admn/A/cs/
27.08.2019 issued by Department of Personnel &
6th CPC/F-650/2012-13 dated 11/16.1.2013 on the
Training further envisages that: –
aforesaid subject and the matter is clarified as
“Benefit of pay fixation available at the time of
under:
regular promotion shall also be allowed at the time
1. These are two separate cadres applicable in
of financial upgradation under the Scheme.
Operational side and PAO side having different
Therefore, the pay shall be raised by 3% of the
line of promotion. The promotional hierarchy of a
total pay in the pay band and the grade pay drawn
Postal Assistant is LSG—-HSG-II—–HSG-I. PA can
before such upgradation. There shall, however, be
only become eligible for promotion to JAO(now
no further fixation of pay at the time of regular
merged as AAO) cadre by qualifying the relevant
promotion/grant of Non Functional Scale, if it is in
examination.
the same grade pay as granted under MACPs.
Thus promotion of PA to AAO is not in its
However, at the time of actual promotion/grant of
promotional hierarchy.
Non Functional Scale, if it happens to be in a post
2. Those who have already earned two financial
carrying higher grade pay than what is available
upgradation (TBOP/BCR) and one regular
under MACPs, no pay fixation would be available
promotion (AAO cadre) will not be eligible for 3rd
and only difference of grade pay would be made
financial upgradation under MACP Scheme.
available. At the time of such regular promotion/
3. The officers who have got MACP/regular
grant of Non-Functional Scale to the higher grade
promotion in different hierarchy will be eligible for
pay than what has been given under MACPs, the
the benefit of 3% fitment benefit at the time of
employee shall have the option to draw the
fixation of pay on regular promotions to AAOs
difference of Grade Pays from the date of such
cadre, as the promotion to the cadre of AAO is not
regular promotion/grant of Non-Functional Scale
in the hierarchy of PA.
or the date of accrual of next increment in the pay
Yours faithfully
allowed under MACP”.
(R. Magadevan)
In view of the rule position as narrated above,
Assistant Director Gen Aca Rt
AAOs who have been promoted from SA Cadre,
BHARAT PENSIONER 13June - 2021 GOVT ORDERS Amendment to the Master Direction (MD) on KYC firm, authorised signatories and Beneficial Owners to further leverage the Video based Customer (BOs) in case of Legal Entity (LE) customers. Identification Process (V-CIP): RBI Circular RBI/ Provided that in case of CDD of a proprietorship 2021-22/35 DOR.AML.REC.No.15/14.01.001/ firm, REs shall also obtain the equivalent e- 2021-22 May 10, 2021 document of the activity proofs with respect to the The Chairpersons/ CEOs of all the Regulated proprietorship firm, as mentioned in Section 28, Entities apart from undertaking CDD of the proprietor. Madam/Sir, (ii) Conversion of existing accounts opened in non- Amendment to the Master Direction (MD) on KYC face to face mode using Aadhaar OTP based e- Please refer to the Master Direction (MD) on KYC KYC authentication as per Section 17. dt 25.02.2016, as amended from time to time, in terms (iii) Updation/Periodic updation of KYC for eligible of which Regulated Entities (REs) have to undertake customers. Customer Due Diligence (CDD) while dealing with REs opting to undertake V-CIP, shall adhere to the the customers as per the process laid out therein. following minimum standards: 2. In this regard, on a review, it has been decided to (a) V-CIP Infrastructure amend the MD on KYC to further leverage the (i) The RE should have complied with the RBI Video based Customer Identification Process (V- guidelines on min baseline cyber security and CIP) and to simplify and rationalise the process of resilience framework for banks, as updated from periodic updation of KYC. The amended provisions time to time as well as other genl guidelines on IT read as under: risks. The technlgy infrastructure should be housed I. V-CIP: in own premises of the RE and the V-CIP connection Clause (xx) of Sec 3: Amended Definition of V-CIP: and interaction shall necessarily originate from its Video based Customer Identification Process (V- own secured network domain. Any technology CIP) is an alternate method of customer related outsourcing for the process should be identification with facial recognition and customer compliant with relevant RBI guidelines. due diligence by an authorised official of the RE (ii) The RE shall ensure end-to-end encryptn of data by undertaking seamless, secure, live, informed- between customer device and the hosting point of consent based audio-visual interaction with the the V-CIP applicatn, as per appropriate encryptn customer to obtain identification information standards. The customer consent should be recorded required for CDD purpose, and to ascertain the in an auditable and alteration proof manner. veracity of the information furnished by the (iii) The V-CIP infrastructure/application should be customer through independent verification and capable of preventing connection from IP addresses maintaining audit trail of the process. Such outside India or from spoofed IP addresses. processes complying with prescribed standards (iv) The video recordings should contain the live and procedures shall be treated on par with face- GPS co-ordinates (geo-tagging) of the customer to-face CIP for the purpose of this Master Direction. undertaking the V-CIP and date-time stamp. The Clause (v) of Section 17: quality of the live video in the V-CIP shall be v. Accounts, both deposit and borrowal, opened adequate to allow identification of the customer using OTP based e-KYC shall not be allowed for beyond doubt. more than one year unless identification as per (v) The application shall have components with Section 16 or as per Section 18 (V-CIP) is carried face liveness / spoof detection as well as face out, If Aadhaar details are used under Section 18, matching technology with high degree of accuracy, the process shall be followed in its entirety even though the ultimate responsibility of any including fresh Aadhaar OTP authentication. customer identification rests with the RE. Amended Section 18 on V-CIP: Appropriate artificial intelligence (AI) technology REs may undertake V-CIP to carry out: can be used to ensure that the V-CIP is robust. (i) CDD in case of new customer on-boarding for (vi) Based on experience of detected / attempted / indil customers, proprietor in case of proprietorship ‘near-miss’ cases of forged identity, the technology BHARAT PENSIONER 14
June - 2021 GOVT ORDERS infrastructure including application software as well (vi) The authorised official of the RE performing as work flows shall be regularly upgraded. Any the V-CIP shall record audio-video as well as detected case of forged identity through V-CIP capture photograph of the customer present for shall be reported as a cyber security event under identification and obtain the identification extant regulatory guidelines. information using any one of the following: (vii) The V-CIP infrastructure shall undergo a) OTP based Aadhaar e-KYC authentication necessary tests such as Vulnerability Assessment, b) Offline Verification of Aadhaar for identification Penetration testing and a Security Audit to ensure c) KYC records downloaded from CKYCR, in its robustness and end-to-end encryption accordance with Section 57, using the KYC capabilities. Any critical gap reported under this identifier provided by the customer process shall be mitigated before rolling out its d) Equivalent e-document of Officially Valid implementation. Such tests should be conducted by Documents (OVDs) including documents issued suitably accredited agencies as prescribed by RBI. through DigiLocker Such tests should also be carried out periodically in RE shall ensure to redact or blackout the Aadhaar conformance to internal / regulatory guidelines. number in terms of Section 16. (viii) The V-CIP application software and relevant In case of offline verification of Aadhaar using XML APIs / webservices shall also undergo appropriate file or Aadhaar Secure QR Code, it shall be ensured testing of functional, performance, maintenance that the XML file or QR code generation date is strength before being used in live environment. not older than 3 days from the date of carrying out Only after closure of any critical gap found during V-CIP. such tests, the application should be rolled out. Further, in line with the prescribed period of three Such tests shall also be carried out periodically in days for usage of Aadhaar XML file / Aadhaar QR conformity with internal/ regulatory guidelines. code, REs shall ensure that the video process of (b) V-CIP Procedure the V-CIP is undertaken within three days of (i) Each RE shall formulate a clear work flow and downloading / obtaining the identification standard operating procedure for V-CIP and ensure information through CKYCR / Aadhaar adherence to it. The V-CIP process shall be authentication / equivalent e-document, if in the operated only by officials of the RE specially rare cases, the entire process cannot be completed trained for this purpose. The official should be at one go or seamlessly. However, REs shall ensure capable to carry out liveliness check and detect that no incremental risk is added due to this. any other fraudulent manipulation or suspicious (vii) If the address of the customer is different from conduct of the customer and act upon it. that indicated in the OVD, suitable records of the (ii) If there is a disruption in the V-CIP procedure, current address shall be captured, as per the existing the same should be aborted and a fresh session requirement. It shall be ensured that the economic initiated. and financial profile/information submitted by the (iii) The sequence and/or type of questions, customer is also confirmed from the customer including those indicating the liveness of the undertaking the V-CIP in a suitable manner. interaction, during video interactions shall be varied (viii) RE shall capture a clear image of PAN card to in order to establish that the interactions are real- be displayed by the customer during the process, time and not pre-recorded. except in cases where e-PAN is provided by the (iv) Any prompting, observed at end of the customer. The PAN details shall be verified from customer shall lead to rejection of the account the database of the issuing authority including opening process. through DigiLocker. (v) The fact of the V-CIP customer being an existing (ix) Use of printed copy of equivalent e-document or new customer, or if it relates to a case rejected including e-PAN is not valid for the V-CIP. earlier or if the name appearing in some negative (x) The authorised official of the RE shall ensure list should be factored in an appropriate stage of that photograph of the customer in the Aadhaar/ work flow. OVD and PAN/e-PAN matches with the customer BHARAT PENSIONER 15
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