.

.

Sunday, 9 April 2017

Pension Related Issues : Check list by RBI - Part B

RESERVE BANK OF INDIA
www.rbi.org.in
RBI/2016-17/271
DGBA.GAD.No.2646/31.02.007/2016-17
April 7, 2017
All Agency Banks
Dear Sir/Madam,
Systems and Controls for conduct of government banking
Please refer to our Master Circulars DGBA.GAD.No.2/31.12.010/2015-16 dated July 1, 2015 on Conduct of Government Business by Agency Banks – Payment of Agency Commission and DGBA.GAD.No.H-1/31.05.001/2015-16 dated July 1, 2015 on Disbursement of Government Pension by Agency Banks that, inter alia, deal with Systems and Controls in agency banks for conduct of government banking.
  1. In addition to existing instructions, agency banks may ensure that internal/concurrent audit at bank branches verifies whether government business is being conducted as per rules and regulations prescribed by government/RBI. Accordingly, the internal/concurrent audit at bank branches may also examine, among other things, various aspects of government banking such as agency commission claims and pension payments. A checklist may be provided to the inspecting officers/auditors, which may at a minimum include the items given in the Annex. Accordingly, Annex 2 of the Master Circular DGBA.GAD.No.H-1/31.05.001/2015-16 on Disbursement of Government Pension by Agency Banks dated July 1, 2015 stands withdrawn.
Yours faithfully,
(D. J. Babu)
Deputy General Manager
Annex
Checklist relating to government business for internal / concurrent audit
Part A: Agency commission claims
Internal inspectors/auditors may verify the agency commission claims submitted by branches and confirm their accuracy during the course of their inspection/audit. The following may be specifically examined during the course of internal/concurrent audit at agency bank branches:
  1. The system in place to arrive at total number of transactions is robust and free of errors.
  2. Categorisation of different types of transactions (physical/electronic receipts and pension/non-pension payments) are in accordance with RBI instructions.
  3. Correctness of number of transactions reported in agency commission claims.
  4. Whether agency commission has been claimed on error scroll transactions. (Banks are not eligible for commission on error scrolls as the commission on the original transaction is being paid).
  5. Whether proper records are maintained at branches as regards government business and agency commission claims (wherever the branch has a role in making such claims).
  6. Whether the entries in the registers/printouts relating to agency commission claims are properly authenticated.
Part B: Pension related issues
Internal inspections should assess branch performance in servicing pensioner customers. In this regard, the following may be ensured:
  1. A specific questionnaire covering all aspects of pension payment may be devised for use during inspection of pension paying branches.
  2. Inspecting officers may also, during inspections, call up pensioners at random and enquire about their satisfaction with pension-related services.
  3. A detailed check-list relating to pension payments/government business may be given by banks to internal auditors/inspectors in order to adhere to the recommendations of the Prabhakar Rao Committee, constituted by the Government of India, relating to pension payments/government business.
These include the following:
(a) Whether there is delay in payment of pension, revision of pension, revision in dearness relief etc.
(b) Whether the branch manager has structured interaction with a cross section of pensioners serviced at the branch on quarterly basis, where the number of pensioners of all governments and departments exceeds a fixed number, say, 100 or 200.
(c) Whether nominations have been obtained for all pension accounts.
(d) Whether pension accounts have been converted into joint accounts wherever applicable.
(e) Whether the bank branch has an effective complaint redressal mechanism and the complaints of pensioners are attended promptly and their grievances redressed expeditiously.
(f) Whether the pension is credited to pensioner’s account during the last four working days of the month except for the month of March for which pension is to be credited on or after first working day of April.
(g) Whether the pension paying branch obtains Life Certificate/ Non-employment certificate/ Employment Certificate from the pensioners in the month of November every year.
(h) Whether pension paying branches deduct income tax at source from pension payments wherever applicable.
(i) Whether paper tokens in acknowledgement of cheques presented are invariably given by the tax collecting branches.
(j) Whether the challans are stamped giving bank’s BSR code and Challan Identification Number (CIN) clearly.
(k) Whether the stamped challans are kept in the custody of bank’s staff and handed over to the concerned tax payer only on production of the paper token.
Source: www.rbi.org

Tuesday, 4 April 2017

7 CPC Family Pension - Y Gp


7 CPC  BASIC PENSION (ORDINARY FAMILY PENSION)






FAMILY PENSION


Rank
Sep and Eqvlt

Rank
NK/Nk (TS) & Equivalent



Service
OROP
VII CPC New Basic
Basic with
DA
Service
OROP
VII CPC New Basic
Basic with
DA
Q.S.
1
2
4
Q.S.
1
2
4
0.5
3500
9000
9180
0.5
3500
9000
9180
1
3500
9000
9180
1
3500
9000
9180
1.5
3500
9000
9180
1.5
3500
9000
9180
2
3500
9000
9180
2
3500
9000
9180
2.5
3500
9000
9180
2.5
3500
9000
9180
3
3500
9000
9180
3
3500
9000
9180
3.5
3500
9000
9180
3.5
3538
9093
9274.5
4
3500
9000
9180
4
3591
9229
9413.4
4.5
3500
9000
9180
4.5
3647
9373
9560.2
5
3500
9000
9180
5
3702
9514
9704.4
5.5
3521
9049
9229.9
5.5
3702
9514
9704.4
6
3521
9049
9229.9
6
3732
9591
9783.1
6.5
3609
9275
9460.6
6.5
3918
10069
10271
7
3609
9275
9460.6
7
3918
10069
10271
7.5
3621
9306
9492.1
7.5
3918
10069
10271
8
3711
9537
9728
8
3924
10085
10286
8.5
3711
9537
9728
8.5
3924
10085
10286
9
3713
9542
9733.3
9
3924
10085
10286
9.5
3713
9542
9733.3
9.5
3971
10205
10410
10
3713
9542
9733.3
10
3984
10239
10444
10.5
3713
9542
9733.3
10.5
3984
10239
10444
11
3852
9900
10098
11
4116
10578
10790
11.5
3954
10162
10365
11.5
4116
10578
10790
12
3954
10162
10365
12
4116
10578
10790
12.5
3999
10277
10483
12.5
4148
10660
10874
13
3999
10277
10483
13
4152
10671
10884
13.5
3999
10277
10483
13.5
4152
10671
10884
14
3999
10277
10483
14
4152
10671
10884
14.5
3999
10277
10483
14.5
4281
11002
11222
15
3999
10277
10483
15
4302
11056
11277
15.5
3999
10277
10483
15.5
4302
11056
11277
16
3999
10277
10483
16
4302
11056
11277
16.5
3999
10277
10483
16.5
4302
11056
11277
17
3999
10277
10483
17
4302
11056
11277
17.5
4019
10329
10535
17.5
4302
11056
11277
18
4019
10329
10535
18
4302
11056
11277
18.5
4070
10460
10669
18.5
4302
11056
11277
19
4070
10460
10669
19
4302
11056
11277
19.5
4125
10601
10813
19.5
4302
11056
11277
20
4125
10601
10813
20
4302
11056
11277
20.5
4125
10601
10813
20.5
4302
11056
11277
21
4125
10601
10813
21
4302
11056
11277
21.5
4125
10601
10813
21.5
4302
11056
11277
22
4125
10601
10813
22
4302
11056
11277
22.5
4125
10601
10813
22.5
4302
11056
11277
23
4125
10601
10813
23
4302
11056
11277
23.5
4125
10601
10813
23.5
4302
11056
11277
24
4125
10601
10813
24
4302
11056
11277
24.5
4125
10601
10813
24.5
4302
11056
11277
25
4125
10601
10813
25
4302
11056
11277
25.5
4242
10902
11120
25.5
4302
11056
11277
26
4242
10902
11120
26
4302
11056
11277
26.5
4242
10902
11120
26.5
4302
11056
11277
27
4242
10902
11120
27
4302
11056
11277
27.5
4242
10902
11120
27.5
4302
11056
11277
28
4242
10902
11120
28
4302
11056
11277




FAMILY PENSION


Rank
Hony Hav and Eqvlt

Rank
Hav and Eqvlt



Service
OROP
VII CPC New Basic
Basic with
DA
Service
OROP
VII CPC New Basic
Basic with
DA
Q.S.
1
2
4
Q.S.
1
2
4
15
4302
11056
11277
15
4530
11642
11875
15.5
4302
11056
11277
15.5
4559
11717
11951
16
4302
11056
11277
16
4559
11717
11951
16.5
4302
11056
11277
16.5
4559
11717
11951
17
4302
11056
11277
17
4559
11717
11951
17.5
4302
11056
11277
17.5
4559
11717
11951
18
4302
11056
11277
18
4593
11804
12040
18.5
4302
11056
11277
18.5
4616
11863
12100
19
4302
11056
11277
19
4616
11863
12100
19.5
4302
11056
11277
19.5
4616
11863
12100
20
4302
11056
11277
20
4677
12020
12260
20.5
4302
11056
11277
20.5
4677
12020
12260
21
4302
11056
11277
21
4677
12020
12260
21.5
4302
11056
11277
21.5
4677
12020
12260
22
4320
11102
11324
22
4677
12020
12260
22.5
4320
11102
11324
22.5
4677
12020
12260
23
4320
11102
11324
23
4677
12020
12260
23.5
4320
11102
11324
23.5
4677
12020
12260
24
4425
11372
11600
24
4685
12040
12281
24.5
4425
11372
11600
24.5
4685
12040
12281
25
4425
11372
11600
25
4685
12040
12281
25.5
4425
11372
11600
25.5
4685
12040
12281
26
4425
11372
11600
26
4797
12328
12575
26.5
4425
11372
11600
26.5
4797
12328
12575
27
4425
11372
11600
27
4797
12328
12575
27.5
4425
11372
11600
27.5
4797
12328
12575
28
4425
11372
11600
28
4797
12328
12575












FAMILY PENSION

Rank
Hony Nb Sub and Eqvlt 

Rank
Nb Sub and Eqvlt

Service
OROP
VII CPC New Basic
Basic with
DA
Service
OROP
VII CPC New Basic
Basic with
DA
Q.S.
1
2
4
Q.S.
1
2
4
15
4530
11642
11875
15
5244
13477
13747
15.5
4559
11717
11951
15.5
5244
13477
13747
16
4615
11861
12098
16
5244
13477
13747
16.5
4686
12043
12284
16.5
5244
13477
13747
17
4757
12225
12470
17
5244
13477
13747
17.5
4831
12416
12664
17.5
5244
13477
13747
18
4904
12603
12855
18
5244
13477
13747
18.5
4980
12799
13055
18.5
5244
13477
13747
19
5055
12991
13251
19
5244
13477
13747
19.5
5055
12991
13251
19.5
5244
13477
13747
20
5055
12991
13251
20
5253
13500
13770
20.5
5055
12991
13251
20.5
5253
13500
13770
21
5055
12991
13251
21
5312
13652
13925
21.5
5055
12991
13251
21.5
5361
13778
14053
22
5055
12991
13251
22
5403
13886
14163
22.5
5055
12991
13251
22.5
5603
14400
14688
23
5055
12991
13251
23
5603
14400
14688
23.5
5055
12991
13251
23.5
5603
14400
14688
24
5055
12991
13251
24
5658
14541
14832
24.5
5121
13161
13424
24.5
5791
14883
15181
25
5163
13269
13534
25
5840
15009
15309
25.5
5270
13544
13815
25.5
5968
15338
15645
26
5270
13544
13815
26
6243
16045
16365
26.5
5270
13544
13815
26.5
6249
16060
16381
27
5270
13544
13815
27
6249
16060
16381
27.5
5270
13544
13815
27.5
6347
16312
16638
28
5270
13544
13815
28
6446
16566
16898




















FAMILY PENSION


Rank
Subedar & Equivalent

Rank
Sub Maj and Eqvlt 



Service
OROP
VII CPC New Basic
Basic with
DA
Service
OROP
VII CPC New Basic
Basic with
DA
Q.S.
1
2
4
Q.S.
1
2
4
15
6554
16844
17181
15
6783
17432
17781
15.5
6554
16844
17181
15.5
6888
17702
18056
16
6554
16844
17181
16
6993
17972
18331
16.5
6554
16844
17181
16.5
7101
18250
18615
17
6690
17193
17537
17
7209
18527
18898
17.5
6690
17193
17537
17.5
7320
18812
19189
18
6690
17193
17537
18
7431
19098
19480
18.5
6690
17193
17537
18.5
7431
19098
19480
19
6690
17193
17537
19
7431
19098
19480
19.5
6690
17193
17537
19.5
7431
19098
19480
20
6690
17193
17537
20
7431
19098
19480
20.5
6690
17193
17537
20.5
7431
19098
19480
21
6690
17193
17537
21
7431
19098
19480
21.5
6690
17193
17537
21.5
7431
19098
19480
22
6690
17193
17537
22
7431
19098
19480
22.5
6690
17193
17537
22.5
7431
19098
19480
23
6690
17193
17537
23
7431
19098
19480
23.5
6690
17193
17537
23.5
7539
19375
19763
24
6690
17193
17537
24
7539
19375
19763
24.5
6690
17193
17537
24.5
7539
19375
19763
25
6690
17193
17537
25
7539
19375
19763
25.5
6690
17193
17537
25.5
7539
19375
19763
26
6856
17620
17972
26
7539
19375
19763
26.5
6886
17697
18051
26.5
7539
19375
19763
27
7116
18288
18654
27
7539
19375
19763
27.5
7116
18288
18654
27.5
7655
19673
20067
28
7361
18918
19296
28
7655
19673
20067
28.5
7361
18918
19296
28.5
7655
19673
20067
29
7361
18918
19296
29
7827
20115
20518
29.5
7476
19213
19598
29.5
7827
20115
20518
30
7614
19568
19959
30
7827
20115
20518



0
30.5
7827
20115
20518



0
31
7827
20115
20518



0
31.5
7827
20115
20518



0
32
7827
20115
20518



0
32.5
7827
20115
20518



0
33+
7827
20115
20518
FAMILY PENSION

Rank
Hony Lt

Rank
Hony Capt



Service
OROP
VII CPC New Basic
Basic with
DA
Service
OROP
VII CPC New Basic
Basic with
DA
Q.S.
1
2
4
Q.S.
1
2
4
15
7062
18149
18512
15
7786
20010
20410
15.5
7172
18432
18801
15.5
7907
20321
20727
16
7281
18712
19086
16
8027
20629
21042
16.5
7394
19003
19383
16.5
8151
20948
21367
17
7506
19290
19676
17
8274
21264
21689
17.5
7622
19589
19980
17.5
8402
21593
22025
18
7737
19884
20282
18
8530
21922
22361
18.5
7737
19884
20282
18.5
8662
22261
22707
19
7737
19884
20282
19
8793
22598
23050
19.5
7753
19925
20324
19.5
8930
22950
23409
20
7871
20228
20633
20
9065
23297
23763
20.5
7992
20539
20950
20.5
9206
23659
24133
21
8114
20853
21270
21
9345
24017
24497
21.5
8239
21174
21598
21.5
9345
24017
24497
22
8364
21495
21925
22
9345
24017
24497
22.5
8494
21830
22266
22.5
9345
24017
24497
23
8623
22161
22604
23
9345
24017
24497
23.5
8756
22503
22953
23.5
9567
24587
25079
24
8889
22845
23302
24
9567
24587
25079
24.5
9027
23199
23663
24.5
9567
24587
25079
25
9164
23551
24023
25
9567
24587
25079
25.5
9164
23551
24023
25.5
9567
24587
25079
26
9164
23551
24023
26
9567
24587
25079
26.5
9164
23551
24023
26.5
9567
24587
25079
27
9202
23649
24122
27
9721
24983
25483
27.5
9493
24397
24885
27.5
9721
24983
25483
28
9654
24811
25307
28
10206
26229
26754
28.5
9654
24811
25307
28.5
10206
26229
26754
29
9654
24811
25307
29
10206
26229
26754
29.5
9654
24811
25307
29.5
10206
26229
26754
30
9654
24811
25307
30
10206
26229
26754
30.5
9654
24811
25307
30.5
10206
26229
26754
31
9654
24811
25307
31
10206
26229
26754
31.5
9654
24811
25307
31.5
10206
26229
26754
32
9654
24811
25307
32
10206
26229
26754
32.5
9654
24811
25307
32.5
10206
26229
26754
33+
9696
24919
25417
33+
10206
26229
26754

1396