Postal Assistant Savings Bank Control Organisation Induction Training

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Postal Assistant Savings Bank Control Organisation Induction Training Postal Assistant Savings Bank Control Organisation Induction Training Trainee Guide PA ––– SBCO Induction training --- Trainee Guide About India Post ........................................................................................ 3 Administrative setup ................................................................................. 5 Operative Network .................................................................................. 10 Accounting Network of Post Offices ........................................................ 14 Postal Manuals ........................................................................................ 15 Basic records / Registers ......................................................................... 17 IT Modernisation – INDIA POST 2012 .................................................. 19 Overview of the various Savings Schemes ............................................. 20 Savings Bank / Savings certificates ........................................................ 21 Know Your Customer (KYC) Guidelines ................................................ 38 SB - Deceased Claims– Settlement Procedure ....................................... 43 Savings Bank Control Organisation (SBCO) ......................................... 48 SBCO procedure – CBS environment ..................................................... 53 Finacle Menus ......................................................................................... 65 Prevention Of Frauds In CBS Offices ..................................................... 75 PMSBY & PMJJBY ................................................................................. 81 Atal Pension Yojana ................................................................................ 83 CCS (Conduct) Rules (1964) .................................................................... 85 Right To Information Act 2005 ............................................................... 91 Welfare Measures .................................................................................... 95 II ABOUT INDIA POST Introduction We extend a warm welcome to you to the Postal family. The organization, you have chosen to enter had a glorious past and a bright future with an ambitious project about to be commissioned. The Department has been the backbone of India‘s communication network and core of the country‘s socio-economic development for the last 150 years. It touches the lives of every citizen, be it through mail, banking, insurance, money transfer or retail service. As on 31.03.2015, it has a network of 154939 Post Offices in the country, the largest in the world, of which 139222 are in rural areas. The core activity of the Department is processing, transmission and delivery of mail. Mail is collected from 5,17,890 letter boxes, processed by network of Mail Offices and conveyed by rail, road and airlines all over the country to reach the customers. Postal operations at the post office counter encompass the entire gamut of basic postal services that include sale of stamps, booking of registered articles, insured articles, value payable articles, remittance of money through money orders, booking of parcels and Savings Bank transactions. Traditionally, these services were being provided at manually operated counters. Considering the vital need for providing benefits of technology to customers, counter operations are now being progressively computerised to provide a greater range of services to the customer from a single window. With the spread of telephony, internet and modernised banking services, citizens are used to new level of speed, transparency and quality. This has also been the experience of other postal administrations in the world. In India, customers of the postal service expect Department of Posts to provide a service level similar to industry standards maintained by banks, insurance, express industry, etc. This is the challenge that the Department faces today and you have a greater role to play in fulfilling the customer aspirations through dedicated, honest and efficient service. 3 Our Vision The vision of the organisation is ―India Post‘s products and services will be the customer‘s first choice ǁ The vision, in its broader sense, means that customer will prefer our products and services ahead of other similar options available in the industry. If a customer has to prefer our products and services, the delivery mechanism of our products and services has to be of a very high quality coupled with an efficient after sales service. This requires that all of us should always strive to achieve the standard of service that customer expects from us and sustain the high standard achieved, always. For this to be realized, we should have a clear understanding of the organisation structure, the functional levels, tasks performed, operational procedures and be updated with latest changes. This training will provide you the right inputs towards these objectives. Our Mission Our mission underlines the steps to be taken towards achieving the vision of the organisation. The mission is • To sustain its position as the largest postal network in the world touching the lives of every citizen in the country. • To provide mail parcel, money transfer, banking, insurance and retail services with speed and reliability. • To provide services to the customers on valuevalue----forforforfor----moneymoney basis. • To ensure that the employees are proud to be its main strenstrengthgth and serve its customers with a human touch. • To continue to deliver social security services and to enable last mile connectivity as a Government of India platform. You can observe that our mission, apart from stating the economic objective, also tries to realize the potential of its employees, recognizing them as a asset. The mission also underlines the social responsibilities through its objective to deliver social security services connecting the last mile. This multi- faceted approach makes India Post a viable entity in the life of the common man. Our Organisation Our organisation is a large network of offices with a 4,60,457 strong workforce delivering efficient Postal services across the country. This vast organisation is managed through administrative units and services rendered through operative units. You need to understand the various levels of administrative hierarchy and the operative network to appreciate your position in this network and the role you will play. 4 ADMINISTRATIVE SETUP In the administrative setup, the apex is the Postal Services Board (PSB). The Department functions under the Ministry of Communications and Information Technology, Government of India. The head of the department is Director General, Department of Posts who heads the Postal Services Board. The Postal Services Board consists of 6 members and Joint Secretary & Financial Advisor. The organisation setup at the Directorate is in the chart below Each member is assisted by DDGs and other staff in the day-to-day functions. The Administrative setup from the Directorate down to Post offices is shown in the chart below 5 The Department is territorially divided into 23 circles, each encompassing one or more than one state and/or a union territory. A Circle is headed by Chief Postmaster General (CPMG). The circle is divided into Regions each headed by a Postmaster General (PMG). Regions are further classified into Postal and Railway Mail Services (RMS) divisions. Postal divisions are in charge of the Postal operations in their jurisdiction whereas the RMS divisions manage the mail movement. Postal Divisions are headed by Superint endent of Post Offices (SPOs)/ Senior Superintendent of Post offices (SSPOs)/. RMS Divisions are headed by Superintendent of RMS (SRM)/ Senior Superintendent of RMS (SSRM)/. Divisions can be under the jurisdiction of PMG or CPMG. The Postal Divisions are d ivided into sub divisions headed by Inspector Posts (IP) or Assistant Superintendent of Posts (ASP). Similarly, RMS subdivisions are headed by Inspector Posts. In General each region may have a Postal Stores Depot (PSD)., headed by a superintendent, cateri ng to the needs of forms and stationery of the PO/RMS offices in the region. Each circle has Circle Stamps 6 Depot., headed by a superintendent which supplies stamps and Postal stationeries to all offices in the Circle. The organisation chart below shows this functional classification Postal accounts offices (PAOs) consolidate the accounts of a circle. We have 20 PAOs in the country. The following is the list of Postal Circles. SlSlSl Circle Headquarters Territorial jurisdiction Andhra 1 Vijayawada Andhra Pradesh and Yanam Pradesh 2 Assam Guwahati Assam 3 Bihar Patna Bihar 4 Chattisgarh Raipur Chattisgarh 5 Delhi New Delhi Delhi Gujarat, Daman, Diu, Dadra & 6 Gujarat Ahmedabad Nagar Haveli 7 Haryana Ambala Haryana Himachal 8 Shimla Himachal Pradesh Pradesh Jammu and 9 Srinagar Jammu and Kashmir Kashmir 10 Jharkhand Ranchi Jharkhand 11 Karnataka Bangalore Karnataka 12 Kerala Tiruvananthapuram Kerala, Lakshadweep and Mahe Madhya 13 Bhopal Madhya Pradesh Pradesh 14 Maharashtra Mumbai Maharashtra and Goa Arunachal Pradesh, Manipur, 15 North Eastern Shillong Meghalaya, Mizoram, Nagaland and Tripura 16 Odisha Bhubaneshwar Odisha 7 17 Punjab Chandigarh Punjab, Chandigarh U.T 18 Rajasthan Jaipur Rajasthan Tamilnadu, Pondicherry (except 19 Tamilnadu Chennai Yanam and Mahe) 20 Telangana Hyderabad Telangana 21 Uttar Pradesh Lucknow Uttar Pradesh 22 Uttarakhand Dehradun Uttarakhand West Bengal, Andaman
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